mari buat analisis sikit

lihat graf berikut bagi pelabur PCIF. Ramai yang beli PCIF pada awal pelancaran, masih tidak breakeven. masih ada yang -20%, -30%. Dan ini sangat perlahan untuk melepasi breakeven. Jadi sudah ada ramai pelabur yang jual/switch PCIF mereka. Atau, untuk turunkan negatif margin, ada yang membuat tambahan bagi menurunkan cost average.

Mari kita lihat Ittikal pula. No details comment.

Atau kita lihat fund2 yang masih baru. Enterprise fund. sejak dilancarkan pada 07, -19%.

PM fund menang banyak award

http://www.publicmutual.com.my/page.aspx?name=prs_rls_110228_1400

Public Islamic Bond Fund

Public Ittikal Fund

2 islamic fund telah berjaya memenangi award dalam kategeri masing-masing. Performance yang baik bagi setiap fund telah dinilai oleh Edge and Lipper untuk mendapat anugerah.

_________________

Public Bank’s wholly-owned subsidiary, Public Mutual bagged nine awards out of 32 awards, including the most prestigious “Best Overall Fund Group” award at the Edge-Lipper Malaysia Fund Awards for 2011, held at the Kuala Lumpur Convention Centre on 28 February 2011. This is the 8th consecutive year Public Mutual has emerged as the biggest winner at the annual awards event.

 

Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow expressed pride at the outstanding achievement despite uncertainties in 2010. “These awards reflect Public Mutual’s commitment in continuously delivering top value as well as meeting the diverse needs of our unitholders,” he said.

 

By winning these awards Public Mutual has to-date received a total of 169 industry awards. Tan Sri Teh dedicated these awards to Public Mutual’s Board of Directors, management, unitholders, unit trust consultants and staff for their unwavering support, loyalty and trust over the years.

 

The nine awards won by Public Mutual are:

 

No

Fund / Company

Category

1

Public Mutual Berhad

Best Overall Fund Group

 

2

Public SmallCap Fund

Equity Malaysia Small and Mid Caps

3 years

3

PB Asia Equity Fund

Equity Asia Pacific

3 years

4

Public Far-East Select Fund

Equity Asia Pacific Ex Japan

5 years

5

Public SmallCap Fund

Equity Malaysia Small and Mid Caps

5 years

6

Public Islamic Bond Fund

Bond Malaysian Ringgit – Islamic

5 years

7

Public Bond Fund

Bond Malaysian Ringgit

10 years

8

Public SmallCap Fund

Equity Malaysia Small and Mid Caps

10 years

9

Public Ittikal Fund

Equity Malaysia – Islamic

10 years

 

Public Mutual is Malaysia’s largest private unit trust company with 84 funds under management. It has over 2,380,000 accountholders and as at 31 January, 2011, the total net asset value of the funds managed by the company was RM40.93 billion.

 

 

Pelaburan unit trust public mutual. ambil peluang waktu ini

PELABUR YANG DIHORMATI

Terima kasih kerana masih meneruskan pelaburan bersama-sama Public Mutual Berhad. Untuk pengetahuan Tuan/Puan, majoriti dana telah berada pada kedudukan profit dimana ini selari dengan keadaan urusniaga di BSKL.

Tuan/Puan sebagai pemegang EPF/cash, yang telah layak untuk melakukan pengeluaran selepas 3 bulan disyorkan untuk melakukan penambahan unit dengan mengambil peluang keadaan dana yang kembali kukuh. Saya mencadangkan Tuan/Puan untuk mengeluarkan ¾ atau separuh kelayakan yang dibenarkan oleh KWSP semoga Tuan/Puan dapat memperolehi unit pada masa harga sedang menaik.

Untuk makluman Tuan/Puan juga, dana PIDF telah ditutup untuk penambahan unit kerana telah melebihi saiz yang dibenarkan oleh Bank Negara. Namun begit terdapat beberapa dana ISLAMIC yang dibenarkan oleh EPF untuk dilaburkan di unit amanah. Antaranya adalah:

Public Islamic Equity Fund
Public Islamic Optimal Growth Fund
Public Islamic Sector Select Fund
Public Islamic Select Treasures Fund
Public Islamic Select Enterprises Fund
Public Ittikal Fund

Saya sertakan prestasi satu dana diatas untuk perhatian Tuan/Puan dan dana-dana yang lain, boleh rujuk di http://khgpmutual.wordpress.com/.

 

Terima kasih

 

Masa sesuai untuk invest ?

Public mutual unit trust, sekarang harga sedang meningkat naik. pelabur akan kata, harga tinggi.. tunggu dulu lah. tunggu harga turun. Bila harga dah turun, ..eeii takut lah nak invest. x de profit.

So!, ini tugas UTC untuk memberi penerangan.

Homestay Bandar Kuantan

Homestay kuantan dari Fnk menyediakan unit penginapan dengan 4 bilik yang selesa sesuai untuk penginapan mereka yang berkunjung ke kuantan atas urusan rasmi, melancong, kahwin dll.

Homestay Kuantan diuruskan oleh FMM enterprise berdekatan dengan pantai batu hitam dan pantai balok. Lokasinya adalah di jalan beserah berdekatan dengan poliklinik beserah. Kalau ingin ke bandar kuantan, hanya ambil laluan jalan beserah yang jaraknya kurang lebih 5km sahaja.

Jalan beserah ke kuantan banyak traffic light. sebagai alternatif, anda boleh guna jalan ke telok chempedak. disitu tiada traffic light. Urusan anda di mana-mana kantor di kuantan akan menjadi lebih mudah dengan menginap di Homestay Kuantan atau penginapan FnK kuantan.

KAMI MENANTI KEDATANGAN ANDA..fnkhomestay.wordpress.com

Ini lah bukti keuntungan pelaburan saham amanah

‘REPOST’

INI ADALAH GRAF KEUNTUNGAN DARI SAHAM AMANAH (UNIT TRUST) P.MUTUAL BAGI DANA PIDF (PUBLIC ISLAMIC DIVIDEND FUND) UNTUK TAHUN 2009. PROFIT DARIPADA TURUN NAIK HARGA SE UNIT YANG DIPEROLEHI ADALAH 33.76%.

Penunjuk prestasi yang dikira adalah dari dec 08 hingga dec 09. 33.76% untuk setahun ? WOW!! Bayangkan pelaburan anda pada tahun itu adalah RM1000, bererti keuntungan hujung tahun yang diperolehi adalah RM337.6. Kecil dari jumlah nya tetapi, jika melihat % nya, cukup tinggi.

Kita lihat angka yang lebih besar, RM10k contohnya pelaburan di dalam PIDF. Keuntungan yang diperolehi adalah RM3376. Hmm!! adakah ini tidak dikira besar ? Cukup besar jika perbandingan dengan tempat-tempat simpanan yang lain seperti bank, tabung2 dll. Tapi jangan dibandingkan dengan pasaran saham.

RM3376 untuk setahun bermakna RM281.33 sebulan selama 12 bulan. Analoginya, pendapatan tambahan untuk sebulan yang diperolehi adalah RM281.33 hasil daripada pelaburan RM10k. Tetapi ini pengiraan diatas kertas. Jika mahu ia menjadi kenyataan, maka penjualan unit tersebut harus dilakukan.

KITA LIHAT DANA YANG LAIN…..

PCIF – Public China Ittikal Fund. Dana yang mengalami kejatahunan yang amat teruk selepas pelancarannya. Dan sehingga sekarang masih lagi belum ‘break even’. Tetapi lihat sahaja graf prestasi bagi 2009. Keuntungan 42.88%, Wow!! sekali lagi wow!. Tetapi harga PCIF masih lagi tidak dapat melepasi harga sewaktu mula-mula jualan dahulu.

Tetapi kenapa ada keuntungan disini ? Bagaimana nak dapat keuntungan seperti ini. Ini lah pentingnya Regular Investment, kos seunit belian akan menjadi rendah jika kita membuat penambahan pelaburan keatas dana yang telah dibeli. Buktinya, PCIF tahun 2009 mendapat keuntungan 42.88%

LAGI dan LAGI!!

KEPADA PELABUR

Trauma 2008 akibat kejatuhan yang mendadak keuntungan dana unit trust menyebab kita menjadi ‘fobia’ terhadap pelaburan-pelaburan kita yang ada. Jika fobia ini menganggu kehidupan tuan-tuan, inilah masa yang sangat sesuai untuk lari dari keadaan ini dan letak pelaburan tuan-tuan di tempat yang selamat seperti ASB, tabung haji, FD dll seumpamanya. Tetapi jika tuan-tuan ‘Tegar’ dan memahami risiko-risiko yang ada dan untuk jangka yang panjang, tetap lah terus bersama pelaburan tuan-tuan yang ada. Sejarah, rekod dan nombor2 yang ada pada petunjuk prestasi unit trust public mutual boleh menjadi panduan dan bukti untuk Tuan-tuan berasa yakin terhadap kerja-kerja yang dilakukan oleh pengurus dana dalam mengurus dan melabur duit tuan-tuan yang ada. Sejarah, rekod dan nombor2 penunjuk prestasi dana boleh dirujuk di www.publicmutual.com.my

Setiap orang ada instinct pelaburan masing-masing

Peniaga pasar malam melabur wangnya dalam perniagaanya, pelabur hartanah melabur wangnya didalam hartanah, orang makan gaji menyimpan wangnya di tempat simpanan/pelaburan yang memberi pulangan. Setiap orang ada kepercayaan masing-masing berdasarkan pengetahuan yang mereka perolehi. Orang yang ada syarikat trading, bila diajak untuk membeli rumah membuat property income, mereka akan kata ‘ohh! saya gunakan duit saya untuk rolling bisnes saya’, begitu juga orang yang terlibat dengan property, mereka akan kata. ooohh, kenapa simpan duit di FD, beli rumah dan sewakan… kamu akan dapat keuntungan yang besar.

Dan jika ditanya kenapa orang memilih untuk simpan sahaja gaji bulanan mereka di Tabung Haji atau ASB, kerana mereka yakin akan pulangan tetap yang diberikan pada setiap tahun tanpa perlu bimbang akan risiko kehilangan wang pelaburan…Masing-masing ada kecenderungan masing-masing. Ada kepercayaan tersendiri berdasarkan faktor-faktor pengetahun, pengalaman, sejarah, rakan-rakan dan lain-lain sehingga mereka mengambil keputusan tersendiri dimana harus membuat pelaburan. Tetapi akhirnya sudah tentu pelaburan itu untuk masa hadapan yang boleh digunakan untuk menjalani kehidupan di hari tua.

Didalam forum-forum internet yang saya ikuti, jika perbincangannya adalah berkenaan property, mereka akan mengatakan property adalah yang terbaik. Jika perbincangan adalah ASB, ASB adalah terbaik dan jika perbincangannya unit trust, maka unit trust lah yang terbaik. Jadi bagaimana membuat keputusan ?

Ikut kemampuan, ikut kemahuan dan lihat profile diri sendiri kecenderungan kearah mana. Semuanya berbalik kepada bagaimana kita mengurus kewangan. Peniaga pasar malam, guna wang mereka untuk rolling modal, mereka juga hidup senang boleh menampung kehidupan seharian, boleh membesarkan anak, boleh mempunyai kereta dan boleh mempunyai rumah. Mereka tidak  main property, mereka tidak masuk unit trust. Tetapi mereka percaya dan yakin akan apa yang mereka lakukan, dan yang pastinya berjaya.

Begitulah juga kita, bagaimana kita menguruskan kewangan. Yang penting, simpanan harus dilakukan. Dimana tempat untuk disimpan? Kita harus mendapatkan knowledge yang secukupnya. Unit trust ? Ya, ia satu tempat simpanan yang baik. ‘Figure’ yang menceritakan segala-galanya

P/S: Pengiraan keuntungan dana-dana diatas adalah dikira berdasarkan setahun 2009.

PIDF dah penuh ? exceed fund size.

samada aku x alert atau takde info dari PM pasal nih. One of my client was rejected her additional unit to PIDF. Sib baik PM terus buat cheque, klu x bercinta gak nak uruskan tu..

So, what’s the option ? Buka fund baru… Ready another RM1k for new fund. Pas tu leh buat additional kalau ada duit..

PIDF ni second alternative beside Ittikal. Ittikal mahal, then ppl would like to go for PIDF. Mai tgk sikit fund dia..

Tgk tu graf nya !! ‘lu pikir lah sendiri’

 

Kita lihat fund syariah yang lain untuk ganti PIDF. Kita amik yang performance dia better based on fund performance.

First, list dulu senarai fund syariah.

 

	Public Ittikal Fund		Public Islamic Equity Fund
	Public Islamic Opportunities Fund		Public Islamic Dividend Fund
	Public Asia Ittikal Fund		Public Islamic Asia Dividend Fund
	Public Islamic Sector Select Fund		Public China Ittikal Fund
	Public Islamic Select Treasures Fund		Public Islamic Optimal Growth Fund
	Public Islamic Select Enterprises Fund		Public Islamic Asia Leaders Equity Fund
	Public Islamic Alpha-40 Growth Fund

 

Lepas tu kita tapis, tgk yg perform based on current performance..

PIEF, ni aggressive fund…. skrg graf tgh menaik.. mmg kebanyakan nya naik lah……

 

fund ni ? islamic income fund.. baru nih… x perasan pun .. hehehe klik sini untuk tgk fund performance for current year. http://www.publicmutual.com.my/application/fund/performance.aspx

Yang lain2.. blh ke public mutual website… tgk performance for each fund.

 

PIA40GF new islamic fund

Public Islamic Alpha-40 Growth Fund (PIA40GF)

PIA40GF is an Islamic equity fund that seeks to achieve capital growth by investing up to a maximum of 40 selected Shariah-compliant blue chip stocks, index stocks and growth stocks listed primarily on Bursa Securities and regional markets.

“PIA40GF adopts a more focused investment strategy and is able to achieve potentially higher returns over the medium- to long-term

The initial issue price of PIA40GF and PIINFBF is RM0.2500 per unit

Public Mutual’s new Islamic funds seek higher potential returns

Public Bank’s wholly-owned subsidiary, Public Mutual is launching two new Islamic funds, Public Islamic Alpha-40 Growth Fund (PIA40GF) and Public Islamic Infrastructure Bond Fund (PIINFBF) on 16 November 2010. PIA40GF is an Islamic equity fund that seeks to achieve capital growth by investing up to a maximum of 40 selected Shariah-compliant blue chip stocks, index stocks and growth stocks listed primarily on Bursa Securities and regional markets. PIINFBF on the other hand, is an Islamic bond fund that seeks to provide annual income to investors through investments in sukuk of companies in the infrastructure sector. Public Mutual’s Chief Executive Officer Ms. Yeoh Kim Hong said, “PIA40GF adopts a more focused investment strategy and is able to achieve potentially higher returns over the medium- to long-term as it concentrates its investment in a portfolio of not more than 40 stocks.” She added that 88%1 of the securities currently listed on the local bourse are Shariah-compliant representing about two-thirds of Bursa Malaysia’s market capitalisation. Investors seeking to invest in securities that comply with Shariah principles will have access to an extensive selection of Shariah-compliant stocks across diversified industries and sectors via PIA40GF. The equity exposure of PIA40GF will generally range from 75% to 98% of its NAV. To achieve increased diversification, the fund may invest up to 30% of its NAV in selected foreign markets, which include Singapore, Taiwan, South Korea, Japan, Australia, New Zealand, Hong Kong, China, Thailand, Indonesia, Philippines and other markets. PIA40GF is suitable for investors who would like to participate in the long-term growth potential of a concentrated portfolio of up to 40 stocks which comply with Shariah requirements. Meanwhile, PIINFBF allows investors to access the sukuk market, which is usually inaccessible to the average investor as it is a market for institutions where the standard transaction lot is RM5 million. Sukuk issued by companies in the infrastructure sector are generally underpinned by predictable cash flows and stable income stream over the respective issuer’s concession period. Yeoh said the infrastructure companies that PIINFBF may invest in include power plant concessionaires, telecommunication service providers, toll-road concessionaires and port operators. According to Yeoh, PIINFBF invests up to 98% of its NAV in a portfolio of sukuk of companies involved in the infrastructure sector and the balance of its assets in Islamic money market instruments. To achieve increased diversification, the fund may invest up to 25% of its NAV in foreign sukuk, which include Singapore, United Kingdom, Japan, Australia, Hong Kong and other permitted markets. PIINFBF is suitable for investors seeking the stability of annual income with some safety of principal via participating in sukuk issued by companies in the infrastructure sector. The initial issue price of PIA40GF and PIINFBF is RM0.2500 per unit and RM1.00 per unit respectively during the 21-day initial offer period from 16 November to 6 December 2010. The minimum initial investment for both funds is RM1,000 and the minimum additional investment is RM100. During the offer period, special promotional service charges as low as 5% of initial issue price per unit are extended to the purchase of units of PIA40GF. Investors who opt for Direct Debit Instruction with PIA40GF during the offer period will enjoy a special promotional service charge of 5.25% of NAV per unit for as long as the Direct Debit is active. Terms and conditions apply. Interested investors can contact any Public Mutual unit trust consultant or call its Customer Service Hotline at 03-6207 5000 for more details of the funds. Public Mutual is Malaysia’s largest private unit trust company with 82 funds under management. It has over 2,320,000 accountholders and as at 29 October 2010, the total net asset value of the funds managed by the company was RM40.2 billion.

Pelaburan Emas..

This article was cited from http://mysuperkids.net/pelaburan-emas-lebih-untung-drpd-asb-tunggu-jgn-tergesa-gesa/

if you have any query, please visit to the website and communicate with the author.

_________________________

Banyak orang memperkatakan kadar pulangan daripada pelaburan emas lebih menguntungkan daripada ASB akhir-akhir ini. Jika anda perasan, golongan yang terlibat biasanya mereka yang ada kepentingan;
-    penjual emas atau ajen menjual emas,
-    agen amanah saham berkaitan emas,
-    penjual buku tentang pelaburan emas
-    mereka yang dah banyak koleksi emas sibuk menceritakan betapa bijaknya mereka melabur dalam emas.

Antara kata-kata yang biasa didendangkan adalah; purata kadar kenaikan emas adalah 22%  setahun untuk dua tahun lepas (2008-09), berbanding ASB yang hanya memberi 8-10% sahaja. Tu belum lagi dibandingkan dengan Tahung Haji yg for sure lebih rendah.

Betul ke pelaburan emas ini lebih untung drpd ASB?

Perlu diingat, golongan yang sibuk memperkatakan harga emas akan naik lebih banyak didorong oleh perasaan optimist, kalau tidak, siapa yang nak beli produk mereka. Betul? Ini termasuk pedagang emas antarabangsa. Cuma sebagai pelabur jalanan, optimist sokmo boleh membawa padah jika kita melabur semberono.

Tidak dinafikan, harga emas dah naik dua kali ganda sejak tahun 2007 (USD 600) kerana didorong oleh harga minyak yang naik mencanak-canak. Kalau nak tahu, golongan-golongan yang optimist hanya akan berbincang sekitar statistic ini sahaja. Namun bagaimana nak tahu harga emas akan berganda semula tiga tahun dari sekarang? kita tengok sejarah…

Jika anda membeli emas pada tahun 1995 (ekonomi Malaysia yang tinggi), anda takkan membawa pulang sebarang untung jika menjualnya 10 tahun selepas itu; pendek kata 0% sepanjang 10 tahun. Ini juga sama jika anda melabur dalam emas sejak tahun 1990, hampir tiada untung 15 tahun kemudian.

Compare kadar pulangan tersebut dengan ASB atau Tabung Haji, mana lagi untung?

Sabar, slow n steady, hasilnya.. boleh katakan berbaloi jugak lah..

Unit trust adalah salah satu tools investment. Dulu-dulu ada tangga pelaburan, mula dengan saving biasa, insuran, unit trust, property, dan paling tinggi share market. Sekarang dah tambah satu tangga lagi, GOLD.

Strategy kita sebagai orang biasa, MENYIMPAN. kata azizi ali, simpanan adalah upah kepada kita penat bekerja. Oleh itu saving sepatutnya menjadi habit untuk mencapai kewangan peribadi yang bebas.. financial freedom..

Tempat nak simpan dimana ? itu lah di tempat2 yang disebut tadi. mana2 saja pilihlah dengan bijak.. sebelum menjadi bijak, dapatkan knowledge.. mcamana nak dapatkan knowledge,.. mudah saja… boleh belajar sendiri, baca buku, search internet…. dan paling senang, upah orang… dan ‘orang’ itu adalah… klu unit trust, consultant nya lah…

Bakul tempat simpan telur yang lain2, saya tidak tahu…. saya hanya tahu unit trust, itu pun x habis berguru…. tapi asasnya, INSYAALLAH…cukup.. nak simpan kat bakul2 yang lain, dialu-alukan. ‘don’t put your egg into one basket’.

Unit trust, medium to long term.. kena bersabar… invest dan buat additional, kerana dolar cost averaging. Ini contoh client saya. client jerung saya…{click pada image untuk view yang jelas}

jumlah pelaburannya adalah 160k, dan sekarang dia dah ada 161k (unrealized profit).. nak realized, kena jual… positif profit tu, baru je dapat dalam sebulan 2 nih.. sepanjang pelaburan dalam kurang lebih 2 tahun yang lepas, profit negatif, almost 30k. hari2 call, tanya….. pening consultant nak explain… Namun, berkat kesabaran consultant… client mmg x sabar, hehehee sbb duit nya banyak… akhirnya, dah breakeven for overall money he invested.

‘JIKA PELABURAN ITU MENGGANGGU KEHIDUPAN KITA’, baik keluar cepat2 dari pelaburan tersebut… sbb hidup jadi x tenang.. buat apa..

Inilah yang saya azam pada pelabur ini. hidupnya x tenang, waktu kejatuhan dulu… (hidup saya juga jadi x tenang…) so, bila dah ada profit seperti sekarang….. cabut cepat2… selamatkan duit cepat2x…nnti tergolek DOG lagi. sebab, unit trust ni, slow n steady, medium to long term (walaupun ada lagi fund yg terlingkup mcm PCIF)… so, kalau x sabar, letak je di tmpt lain yg lebih gerenti.. mcm fixed deposit ke,etc..

 

Is it unit trust fully recovered ?

Most of fund has been reached to its break even since 2008/2009 except a few fund such as PICF. Unit trust is part of your egg that you put into a few basket. Based on the history, more longer you save, it will give a good profit your investment. But don’t forget on DCA. It might be used to maximize our portfolio.

Disclaimer

lelong at taman seri mahkota aman

2 Storey Terrace House
	Property Code : PB217060	Auction Price : RM 150,000.00
	Land Area : 1496 sq.ft	Auction Date : 2010-11-11
	Tenure : N/A	Restriction : N/A
	Location : No. 8, Lorong Seri Mahkota Aman 25, Taman Seri Mahkota Aman, 26070, Pahang

Serve client

To all my clients, mohon maaf kalau service to all of you tidak memuaskan. Terutamanya yang berada jauh. Apa yang kita boleh buat, kalau saya tidak dapat entertaint ke tempat saudara/i, kita communicate tru email, facebook, surat, post express etc.

If you think to change agent, let me know and i don’t have objection on that. I just need to sign a letter and you deserve to have an agent yang lebih dekat dan can entertaint personally.

 

Regular saving

Dollar cost averaging (DCA) is an investment strategy, that may be used with any currency. It takes the form of investing equal monetary amounts regularly and periodically over specific time periods (such as $100 monthly) in a particular investment or portfolio. By doing so, more shares are purchased when prices are low and fewer shares are purchased when prices are high. The point of this is to lower the total average cost per share of the investment, giving the investor a lower overall cost for the shares purchased over time.^[1]

Dollar cost averaging is also called the constant dollar plan (in the US), pound-cost averaging (in the UK), and, irrespective of currency, as unit cost averaging or the cost average effect.^[2]

good leadership

There are many qualities that are needed to be a good leader or manager.

• Be able to think creatively to provide a vision for the company and solve problems
• Be calm under pressure and make clear decisions
• Possess excellent two-way communication skills
• Have the desire to achieve great things
• Be well informed and knowledgeable about matters relating to the business
• Possess an air of authority

price war on BLR

There may be a price war to give out cheaper bank loans

By TEE LIN SAY
linsay@thestar.com.my

KUALA LUMPUR: There may be a new round of price war among banks for consumer loans, with the new mortgage rate going down to as low as base lending rate (BLR) -2.3%. The current BLR rate is 6.3%.

Some analysts said this comes as a surprise to the market after a mutual understanding was reached earlier to set a minimum rate of BLR-1.9%.

The new mortgage rate is now down to BLR-2.2% since end-July and some banks have started offering BLR-2.3%.

A home loan officer from CIMB Bank Bhd told StarBiz that housing loans have been revised downwards.

Which one shall I take? So many choices! Can’t believe it.

“Previously we were offering BLR-1.9%. Now, we are revising the rate to BLR-2.1%. We had been losing some market share to foreign banks and decided to join in the price war,” he said.

The BLR is a minimum interest rate calculated by banking institutions based on a formula which takes into account the institutions’ cost of funds and other administrative costs. The BLR is measured against the overnight policy rate (OPR). This year, Bank Negara has raised the OPR by 75 basis points in three rounds of rate hikes points to 2.75%.

This means that the BLR also goes up by 75 basis points to 6.3% currently. The BLR is one of the major components used by banks to determine the pricing of home loans.

StarBiz called up the customer service departments of some of the major banks for verification. While rates change depending on the mortgage taken, some banks have become very aggressive in their rates.

It appears that CIMB’s rate is now BLR-2.1%, Hong Leong Bank Bhd is BLR-2.3%, OCBC Bank (M) Bhd is BLR-2.3% and UOB Bank is BLR-2.3%.

While the website of Malayan Banking Bhd shows that it is offering BLR-1.8%, one of its home loans officers contacted said it could offer up to BLR-2.2% depending on the loan taken.

“The price war has also spilled over to credit cards, with offers to absorb the government annual service tax. This was previously borne by card holders,” said an analyst from UOB KayHian.

The analyst added that the start of government infrastructure projects and robust property launches would drive business loan demand in the second half, in time to mitigate the impact from slower external trade.

Business loan is now 44.7% of total loans as at end of July 2010.

Property brokers agree that the outlook for the property sector has been improving.

Zerin Properties CEO Previndran Singh has a “neutral to positive” outlook on the property sector in Malaysia.

“Prices are not moving up as fast, but interest is returning. Yes, there are issues of products being mismatched, but they are not big issues,” he said.

A real estate agent from Reapfield Properties Sdn Bhd said interest in Malaysian property was moderate. People were adopting the “wait and see” attitude because of the rising interest-rate environment.

However, she said there was “lots of interest in our properties below RM2mil”. There was less movement among the higher end homes.

She added that her client list included foreigners from Singapore who were keen to invest in Malaysia due to its affordability.

The UOB analyst said banks’ net interest margin was expected to trend up again after Bank Negara made another 25 basis points hike to the overnight policy rate on July 8. Average lending rate inched up to 5.19% in July from 5.05% in June.

This impact might be offset by the new round of price war among banks for consumer loans.

Loan growth fell from 12.5% in June to 11.9% in July due to higher repayment by the real estate and finance sectors. Consumer loans remained the driver on resilient demand for big-ticket items

The banking system’s capitalisation remained strong with risk-weighted capital ratio and core capital ratio sustained at 15.1% and 13.2% respectively.

The level of non-performing loans including impaired loans remained stable, accounting for 2.1% of net loans. Loan loss coverage was stable at above 90%.

Unit trust – beli pada harga rendah atau regular invest

fund pcif sewaktu dilancarkan dulu menjadi target sebab nama ittikal dan tmpt  dilaburkan di china. tapi sehingga skrg masih blm break even. TETAPI walaupun blm breakeven, tidak semestinya tidak dpt keuntungan.

Kepada yg membeli sewaktu harga pembukaan, mereka masih rugi jika tiada penambahan unit dilakukan. Mungkin sudah ada yang menjual atau switch ke fund yang lain.

Tapi lihat kejatuhan pada graf tersebut. Jika sesiapa yang membeli pada waktu tersebut, mereka telah memperolehi keuntungan.

Pentingnya melakukan penambahan unit kepada dana yang rugi. kerana harga kos akan menjadi rendah dan apabila fund manager perform iaitu dana kembali perform, kita akan memperolehi keuntungan hasil daripada harga kos yang rendah.

Pentingnya pelabur mengambil inisiatif mendapatkan sedikit pengetahuan dan mengatur sedikit strategi. Walaupun unit trust biasanya disebut sebagai pelaburan jangka panjang, namun berapa panjang dana tersebut ia tidak menjamin kita memperolehi keuntungan jika tidak melakukan sesuatu terhadap dana tersebut.

Kesimpulannya, lakukan sesuatu pada dana yg tidak perform. Samada switch, repurchase atau lower down cost perunit. Berhubungan dgn ejen, minta proposal daripada ejen. it’s our hard earn money.

house for auction

2 Storey Terrace House Property Code : PB205212 Auction Price : RM 150,000.00 Land Area : 1367 sq.ft Auction Date : 2010-08-25 Tenure : N/A Restriction : N/A Location :

Lorong Seri Kuantan 28, Taman Mewah, Kuantan 25250, Pahang

Property Code : PB204706	Auction Price : RM 220,000.00
Land Area : 2399 sq.ft	Auction Date : 2010-08-03
Tenure : N/A	Restriction : N/A
Location : Lorong Seri Kemunting 22, Perkampungan Seri Kemunting, 25100 Kuantan, Pahang

Property Code : PB204911	Auction Price : RM 105,000.00
Land Area : 1496 sq.ft	Auction Date : 2010-09-25
Tenure : N/A	Restriction : Bumi Lot
Location : Lorong Pandan Aman 1/4, Taman Pandan Aman, Kuantan 25150, Pahang

Today’s fund price

Date	Fund	Fund Abbreviation	NAV	Chg	Chg %
27/7/2010	PUBLIC AGGRESSIVE GROWTH FUND	PAGF	0.6629	0.0006	0.09%
27/7/2010	PUBLIC ASIA ITTIKAL FUND	PAIF	0.2605	0.0001	0.04%
27/7/2010	PUBLIC AUSTRALIA EQUITY FUND	PAUEF	0.2463	-0.0010	-0.40%
27/7/2010	PUBLIC BALANCED FUND	PBF	0.7327	0.0002	0.03%
27/7/2010	PUBLIC BOND FUND	PBOND	0.9888	-0.0012	-0.12%
27/7/2010	PUBLIC CAPITAL PROTECTED SELECT PORTFOLIO FUND	PCPSPF	1.0789	-0.0003	-0.03%
27/7/2010	PUBLIC CHINA ITTIKAL FUND	PCIF	0.1911	0.0000	0.00%
27/7/2010	PUBLIC CHINA SELECT FUND	PCSF	0.1738	-0.0002	-0.11%
27/7/2010	PUBLIC CHINA TITANS FUND	PCTF	0.2248	-0.0002	-0.09%
27/7/2010	PUBLIC DIVIDEND SELECT FUND	PDSF	0.2669	0.0002	0.07%
27/7/2010	PUBLIC ENHANCED BOND FUND	PEBF	1.0450	0.0003	0.03%
27/7/2010	PUBLIC EQUITY FUND	PEF	0.3120	-0.0001	-0.03%
27/7/2010	PUBLIC FAR-EAST ALPHA-30 FUND	PFA30F	0.2464	0.0003	0.12%
27/7/2010	PUBLIC FAR-EAST BALANCED FUND	PFEBF	0.2053	-0.0006	-0.29%
27/7/2010	PUBLIC FAR-EAST CONSUMER THEMES FUND	PFECTF	0.2729	-0.0001	-0.04%
27/7/2010	PUBLIC FAR-EAST DIVIDEND FUND	PFEDF	0.2331	0.0000	0.00%
27/7/2010	PUBLIC FAR-EAST PROPERTY & RESORTS FUND	PFEPRF	0.2195	-0.0006	-0.27%
27/7/2010	PUBLIC FAR-EAST SELECT FUND	PFES	0.2707	0.0001	0.04%
27/7/2010	PUBLIC FAR-EAST TELCO & INFRASTRUCTURE FUND	PFETIF	0.3210	0.0008	0.25%
27/7/2010	PUBLIC FOCUS SELECT FUND	PFSF	0.2355	-0.0003	-0.13%
27/7/2010	PUBLIC GLOBAL BALANCED FUND	PGBF	0.2054	0.0000	0.00%
27/7/2010	PUBLIC GLOBAL SELECT FUND	PGSF	0.1892	-0.0003	-0.16%
27/7/2010	PUBLIC GROWTH FUND	PGF	0.5266	0.0000	0.00%
28/7/2010	PUBLIC INDEX FUND	PIX	0.6915	0.0018	0.26%
27/7/2010	PUBLIC INDUSTRY FUND	PIF	0.5415	-0.0004	-0.07%
28/7/2010	PUBLIC INSTITUTIONAL BOND FUND	PINBOND	1.0149	0.0002	0.02%
27/7/2010	PUBLIC ISLAMIC ASIA BALANCED FUND	PIABF	0.2245	0.0003	0.13%
27/7/2010	PUBLIC ISLAMIC ASIA DIVIDEND FUND	PIADF	0.2163	0.0002	0.09%
27/7/2010	PUBLIC ISLAMIC ASIA LEADERS EQUITY FUND	PIALEF	0.2468	0.0008	0.33%
28/7/2010	PUBLIC ISLAMIC BALANCED FUND	PIBF	0.2801	0.0001	0.04%
28/7/2010	PUBLIC ISLAMIC BOND FUND	PIBOND	1.0833	0.0002	0.02%
28/7/2010	PUBLIC ISLAMIC DIVIDEND FUND	PIDF	0.3140	0.0000	0.00%
27/7/2010	PUBLIC ISLAMIC ENHANCED BOND FUND	PIEBF	1.0645	-0.0011	-0.10%
28/7/2010	PUBLIC ISLAMIC EQUITY FUND	PIEF	0.3091	-0.0002	-0.06%
28/7/2010	PUBLIC ISLAMIC INCOME FUND	PI INCOME	1.0807	0.0001	0.01%
28/7/2010	PUBLIC ISLAMIC MONEY MARKET FUND	PIMMF	1.0102	0.0001	0.01%
27/7/2010	PUBLIC ISLAMIC OPPORTUNITIES FUND	PIOF	0.3469	0.0003	0.09%
28/7/2010	PUBLIC ISLAMIC OPTIMAL GROWTH FUND	PIOGF	0.2672	-0.0001	-0.04%
28/7/2010	PUBLIC ISLAMIC SECTOR SELECT FUND	PISSF	0.2769	0.0005	0.18%
28/7/2010	PUBLIC ISLAMIC SELECT BOND FUND	PISBF	1.0823	-0.0001	-0.01%
28/7/2010	PUBLIC ISLAMIC SELECT ENTERPRISES FUND	PISEF	0.3192	-0.0001	-0.03%
28/7/2010	PUBLIC ISLAMIC SELECT TREASURES FUND	PISTF	0.2809	-0.0003	-0.11%
27/7/2010	PUBLIC ITTIKAL FUND	PITTIKAL	0.8311	0.0003	0.04%
28/7/2010	PUBLIC MONEY MARKET FUND	PMMF	0.9964	0.0001	0.01%
27/7/2010	PUBLIC NATURAL RESOURCES EQUITY FUND	PNREF	0.2552	-0.0004	-0.16%
28/7/2010	PUBLIC OPTIMAL GROWTH FUND	POGF	0.2564	0.0009	0.35%
27/7/2010	PUBLIC REGIONAL SECTOR FUND	PRSEC	0.2392	0.0003	0.13%
28/7/2010	PUBLIC REGULAR SAVINGS FUND	PRSF	0.5871	0.0031	0.53%
27/7/2010	PUBLIC SAVINGS FUND	PSF	0.6615	-0.0007	-0.11%
28/7/2010	PUBLIC SECTOR SELECT FUND	PSSF	0.2844	0.0017	0.60%
27/7/2010	PUBLIC SELECT ALPHA-30 FUND	PSA30F	0.3301	0.0000	0.00%
28/7/2010	PUBLIC SELECT BOND FUND	PSBF	1.0186	0.0002	0.02%
27/7/2010	PUBLIC SMALLCAP FUND	PSMALLCAP	0.9099	-0.0003	-0.03%
27/7/2010	PUBLIC SOUTH-EAST ASIA SELECT FUND	PSEASF	0.2550	0.0016	0.63%
27/7/2010	PB ASEAN DIVIDEND FUND	PBADF	0.2505	0.0020	0.80%
27/7/2010	PB ASIA EQUITY FUND	PBAEF	0.2584	0.0000	0.00%
27/7/2010	PB ASIA REAL ESTATE INCOME FUND	PBAREIF	0.2409	-0.0001	-0.04%
27/7/2010	PB AUSTRALIA DYNAMIC BALANCED FUND	PBADBF	0.2973	-0.0016	-0.54%
27/7/2010	PB BALANCED FUND	PBBF	0.7888	0.0001	0.01%
27/7/2010	PB CAPITAL PROTECTED DRAGON FUND	PBCPDF	1.0393	-0.0002	-0.02%
27/7/2010	PB CAPITAL PROTECTED RESOURCES FUND	PBCPRF	1.0625	0.0003	0.03%
28/7/2010	PB CASH MANAGEMENT FUND	PBCMF	1.0038	0.0001	0.01%
28/7/2010	PB CASH PLUS FUND	PBCPF	1.0029	0.0001	0.01%
27/7/2010	PB CHINA ASEAN EQUITY FUND	PBCAEF	0.3160	-0.0005	-0.16%
27/7/2010	PB CHINA AUSTRALIA EQUITY FUND	PBCAUEF	0.2388	-0.0007	-0.29%
27/7/2010	PB CHINA PACIFIC EQUITY FUND	PBCPEF	0.1628	0.0000	0.00%
27/7/2010	PB EURO PACIFIC EQUITY FUND	PBEPEF	0.1759	-0.0002	-0.11%
28/7/2010	PB FIXED INCOME FUND	PBFI	1.0334	0.0003	0.03%
27/7/2010	PB GROWTH FUND	PBGF	0.7580	-0.0001	-0.01%
28/7/2010	PB INFRASTRUCTURE BOND FUND	PBINFBF	1.0089	0.0006	0.06%
27/7/2010	PB ISLAMIC ASIA EQUITY FUND	PBIAEF	0.2097	0.0000	0.00%
27/7/2010	PB ISLAMIC ASIA STRATEGIC SECTOR FUND	PBIASSF	0.1806	0.0004	0.22%
28/7/2010	PB ISLAMIC BOND FUND	PBIBF	1.0937	0.0008	0.07%
28/7/2010	PB ISLAMIC CASH MANAGEMENT FUND	PBICMF	0.9982	0.0001	0.01%
28/7/2010	PB ISLAMIC CASH PLUS FUND	PBICPF	1.0033	0.0001	0.01%
28/7/2010	PB ISLAMIC EQUITY FUND	PBIEF	0.2581	0.0001	0.04%
27/7/2010	PB SINGAPORE ADVANTAGE-30 EQUITY FUND	PBSGA30EF	0.2579	0.0000	0.00%
23/7/2010	PBB MTN FUND 1 *	PBBMTN1	1.0295	0.0003	0.03%

BLR naik, kesan kepada property, homestay

BLR naik lagi!……kalau plan nak beli property, kena tgk2 gak positive cash flow macamana… kalau x jadi beban nanti bukan jadi aset.

Kalau ada homestay, pastikan revenue dari homestay dapat bayar montlhy installement rumah… klu x, negative cash flow. lama2 terlingkup nanti.

____________________________

KUALA LUMPUR: Several banks will be increasing rates on lending and deposit from Monday after Bank Negara raised its key policy rate for the third time this year.

Malayan Banking Bhd (Maybank) will revise upwards deposit and base lending rates (BLR), effective July 13, in line with the increase in the overnight policy rate (OPR) by 25 basis points.

Maybank said it would raise deposit rates by up to 25 basis points while the BLR would be increased by 25 basis points to 6.3% per year. The base financing rate (BFR) of Maybank Islamic Bhd will similarly be revised upwards by 25 basis points to 6.3%.

CIMB Bank and CIMB Islamic Bank announced yesterday that they would increase their BLR and base financing rate BFR by the same quantum.

Meanwhile, Bank Islam Malaysia Bhd would raised its base financing rate (BFR) by 25 basis points to 6.30% per annum effective July 13.