Public Mutual declares distributions for 2 funds

Public Bank’s wholly-owned subsidiary, Public Mutual declares distributions for two of its funds. The total gross distributions declared for the financial year ended 31 August 2009

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Public Mutual declares income distributions for six of its funds

Public Bank’s wholly-owned subsidiary, Public Mutual has announced distributions for six of its funds. The total gross distributions declared for the financial year ended 31 July 2009.

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Public Mutual declares over RM80 million income distributions for its investors

Public Mutual has announced over RM80 million income distribution for two of its Islamic funds. The total gross distributions declared are for financial year ended 30 April 2009

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UNIT TRUST - Kenapa melabur dalam unit trust?

kepelbagaian: ini bermaksud, duit yang dilaburkan akan di pecah2 kan ke banyak portfolio termasuk stoks, bon, sekuriti, money market dan pelbagai lagi dibawah pengurusan fund manager. dengan cara ni, dpt mengurangkan risiko dan pulangan akan diperolehi pada risiko yang minima.

pengurusan yang profesional: dana aset akan di uruskan oleh pengurus dana (fund manager) profesional yang berpengalaman. pelaburan di buat based on extensive research, market analisa, dan pemerhatian yang terperinci dalam ekonomi.

kecairan: bermaksud pelabur boleh kluarkan semula wang yg dilaburkan dlm tempoh 10 hari waktu berkerja. tiada cas akan dikenakan bagi setiap pengeluaran.

senang: transaksi yang mudah untuk membeli dan menjual semula unit amanah. pelabur akan di update kan info mengenai pelaburan melalui interim report dan laporan tahunan.


3 bentuk keuntungan:

capital gain: cth, masa beli harga nav per unit RM0.30. slepas sesuatu jangka masa, harga nav per unit dah berubah menjadi RM0.40. maknanya dekat situ, kita dah kaut keuntungan RM0.10 untuk setiap unit.

dividend: dividend biasanya akan diumumkan pada tahun berakhir kewangan untuk sesuatu dana. maksudnya peratus keuntungan yang diperolehi dari pelaburan kita tersebut. cth, investment RM10k, tahun berakhir seterusnya, dividend declared 10%, so kita dah untung RM1000.

bonus: bonus akan diberi dalam bentuk pertambahan unit. cthnya, setiap pelabur diberi tambahan 1% unit mengikut nilai nav yang terkumpul. tetapi bonus xsemestinya berlaku setiap tahun. dia bergantung kepada pasaran.

p/s: melaburlah dlm dana yang dijamin halal. insya Allah keuntungan pun halal.

* courtesy of CG Forum

7 Types of Investment Vehicles in Malaysia

1. SAVING / CURRENT ACCOUNT - Normally we all sure have a saving account either with MAYBANK, CIMB, AMBANK, RHB BANK etc to receive our monthly paycheck. This type of account usually give a dividend but normally around 1% - 2% per annum.

2. FIXED DEPOSIT (FD) - We can decide to set aside any amount of money (usually 5k above) within certain period of time from 1 month - 36 month. The return usually around 3% - 4% per annum depends on the times period.

3. TABUNG HAJI - Most of the Muslim like to save in here. In that way they can save enough money to go for Haj. Tabung Haji declare 7% dividend for the year 2007. It was the highest ever been since 2001.

4. EPF / KWSP - As an employee, you are required to contribute to the EPF under the EPF Laws, which are intended to protect your interest beyond your working life. Currently there are 2 type of account which is Account 1 (70%) & Account 2 (30%). Account 1 is for your retirement & investment meanwhile Account 2 is for owning a house, medical treatment, education etc. The strong market performance in 2007 has enabled the EPF to declare a dividend rate of 5.80% for the year. BUT due to worldwide financial crisis, they only declares dividend 4.50% for the year 2008.

5. ASB - Most of the BUMIPUTERA have this type of saving. AMANAH SAHAM BUMIPUTERA (ASB) is a unit trust fund handle by the Malaysian government. Its average return nowadays around 7% - 9%

6. UNIT TRUST - This is what we do promote nowadays, its projected return is around 8% - 15% per annum. Why is it 8% - 15% only, its because as an agent or Unit Trust Consultant (UTC) we are not allow to tell or give promises to the client regarding the higher return because it is against the etiquette. We never know what will happen in the near future. We also cannot predict the market outcome. This average return is based on the conservative fund solely. But for the past few years back, there are several funds achieve a profit more than 20% each year due to the good market fluctuation.

7. STOCK MARKET - Woow... this one if you have guts & have a lot of money to spend on, then you can play the market. You can gain profit 400% in one day & you can also lost 400% in a blink of an eye too or even more if you don't have the knowledge.


Base on this 7 types of investment, its all are up to you to make the decision.
If you all want to know more about this unit trust, can contact me for more details

H/P : 012-354 1944 or
email : peszals [at] gmail [dot] com or mfaizal.ishak [at] gmail [dot] com