Read the following report from BURSA MALAYSIA. Price of unit trust is reflect from index of Bursa.

‘Stocks in Bursa Malaysia extended their winning streak to a third day Friday, gaining 3.73 points to close at 1233.82 points on the back of gains in selected heavyweights and improved buying interest despite slightly worse-than-expected export data.’

23-06-2008:
by Ang Kok Heng
Email us your feedback at fd@bizedge.com

Everyone who invests is also an investment manager himself. Although professional investment managers are employed to handle investment decisions for most of the investment products, in many areas an investor himself has to make the crucial decisions. Some of these decisions include when to invest, which one is better, how much to invest, when to take profit (how about losses), when to switch, when to add, etc. An investor himself will have to make many decisions even though financial consultants, investment advisers, financial planners and fund managers may provide advice from time to time. The final decision of an investor will very much be influenced by his risk appetite, expectation, cash flow needs, investment history, investment experience, etc Simplest investment needs decision Even the simplest investment, ie putting your excess money in fixed deposits (FD), requires a decision.

The questions that come to mind immediately are which banks provide higher interest rates, how long to place (one month, three months, 12 months etc), how to allocate between FD which provides a higher interest rate and the smaller interest-bearing savings account. Fortunately, most banks provide competitive rates and there is less need for extensive comparison. Furthermore, the interest differential between different maturity durations is small and as such, most people opt for shorter tenure of one-month maturity for FD. In view of the current low interest rates offered by banks, it may not be necessary to crack the brain to pick and choose, unless the amount is substantial. Complexity arises when some banks develop innovative products to lure customers, especially the high net worth individuals. Some of these are high interest rate foreign currency deposits, interest upfront deposits, etc.

Unit trust investment
Due to the poor performance in the stock market, many punters switch to unit trust investment.

Although professional fund managers are engaged to manage the unit trust funds, they will invest based on the requirements of the fund as stipulated in the trust deeds.

They do not have prior understanding on those investors who have invested in the fund in their investment decision process, such as how much of their assets were invested in the fund, their timing of investment, etc.

Unfortunately, most unit trust investors in Malaysia were convinced to invest by agents or financial planners.

Very few have actually conducted their own analysis to determine which is the better fund to invest in terms of investment risk (which include the type of investment, the investment decision-making process, expertise of designated fund manager, investment style, etc) and the risk-adjusted performance.

Many unit trust investors went through the ups and downs of the market and the performance of their investment also went through similar roller-coaster rides.

They might have made handsome profit during certain periods and they may also experience rapid falls in their profits during the course of the investment.

The worst experience is probably from a profit to a loss position. Some financial planners who try to help their clients may end up doubling up as “fund managers” by advising the clients to switch out or to take profit.

Whether investors ultimately benefit from this type of market timing advice is difficult to determine in the absence of statistics. Some investors may gain from such advice, but some may end up worse off.

Some may benefit in the short term in avoiding a temporary market downturn. However, they could lose out in the long run when the market eventually rebounded.

As investment is generally a long product (ie buy with the hope of price appreciation) and the role of a fund manager is to invest the money which has been allocated by investors for such purposes, market timing is generally not the duty of fund manager.

In this way, a unit trust investor becomes the first level de facto “investment manager” who will decide on the timing to invest and asset allocation as to how much to invest in the fund.

On top of the timing and asset allocation issues, a unit trust investor would most likely be shown several funds such as pure equity funds (aggressive, conservative, dividend, small cap, syariah etc), mixed assets funds (eg balance fund), bond funds, guarantee funds, country funds, regional funds (eg MENA, Greater China), commodity funds (eg gold fund).

On top of that, there are feeder funds and fund of funds to consider. Furthermore, investors may have to consider similar funds offered by several fund houses.

• Tahun 2008, ekonomi dunia mengalami kejatuhan yang sangat teruk dan impaknya HARGA UNIT TRUST TELAH JATUH MERUDUM

• Kesemua dana islamic P.Mutual mengalami kejatuhan harga dan profit yang sangat dasyat dan contohnya dapat dilihat seperti graf diatas dimana dlm setahun, kerugian PIDF adalah 29.18%
• Sejajar dengan konsep “long term investment”, kejatuhan tersebut mengalami proses pemulihan dan seperti contoh PIDF, keuntungan kembali di jana 1 tahun kebelakang

Dan DANA-DANA YANG LAIN JUGA TURUT MENGALAMI PROSES PEMULIHAN

• Terdapat beberapa dana yang telah mencapai “break even” iaitu telah melepasi harga belian pelabur. Jika para pelabur merasakan kesan psikologi yang merimaskan ketika kejatuhan tahun lepas, dan berhajat untuk melepaskan semua pegangan dalam dana, boleh lah menjualnya sekarang dan mengambil keuntungan yang ada

• UPDATE TERKINI SETIAP AKAUN PELABUR AKAN DIKEMASKINI SEDIKIT MASA LAGI SEHINGGA SISTEM PELANGGAN SAYA KEMBALI DIAKTIFKAN.

This article was copied from PM website.

Public Mutual has announced distributions for five of its funds. The total gross distributions declared are for the financial year ended 31 May 2009

Public Ittikal Fund

6.00 sen per unit

Public Islamic Equity Fund

1.75 sen per unit

KISOH MAT REMPAIT
Lagu / Lirik : Fairuz Hafeez

Naing kisoh mat rempait dok seraik-seraik
Suke sangak merempait biarpung garaik
Dok kire jalang steraik ataupung sempait
Kuna liper punyalah baek

Satauh haraih deme pakat berlumbe
Dok ingak setarang nyawe bukang percume
Jalanraye bukannye hok dime saje
Tapaih hok kite semue

(Chorus)

Tengoh sedak merempait kubo menyelait
Dok dang gih tekang brek jatauh tergulaik
Aduh aduhlah sakait deme bertempaik
Datang polis terapaik deme tersepait
Cari penyakait (Cari lagi nyakait)
Bulehlah sakait (Kang buleh sakait)

Ingatlah waktauh sihat sebelung sakait
Dang gih masauk lang spital susah nok tubaik
Siang ke urang tue wak kuor duit
Nok bulaih ke anoknya balaik

(Solo & Repeat until end of chorus)

Kepade adik-adik jadilah baek
Jangang diikaut sangak prangai dok molek
Hidup di dunie mesti beringat sikait
Barulah sumue dok suspek
Uraung kampung semue respek
Barulah sumue dok suspek
Uraung kampung semue respek

Lagu / lirik : Fairuz Hafeez

Mat Rempit semua, insaflah sebelum tergolek !
Hati-hati naik motor, jangan sampai accident !

http://fairuzhafeez.co.cc

Since PNB hold all the new application for OD ASB, this is an opportunity to unit trust holder to apply OD Unit trust from Public Bank.

***********************

Dear Mr Kamarul,

We thank you for your interest in Islamic financing.

This product is actually similar to overdraft facility under conventional banking except this product operates based on Shariah principles (Al Bai Bithaman Ajil). The purpose is actually for working capital, refinancing of assets, Investment and also personal use. However, the purpose of obtaining the Cash Line Facility-i and all activities related to it must not contravene the Shariah principles e,g gambling activities, sale of liquor,etc.

Presently the profit rate is based on fixed rate between 7.5% to 8.9% . Maximum tenure 3 years. A collateral in the form of property or Islamic Fixed Deposit is required.

For Unit Trust, we only accept Islamic UT under Public Mutual and the purchase of UT is on cash basis (EPF withdrawal is not allowed).

For further details on the requirements and to obtain the application form, you may approach any of our nearest branch.

Mohd Khalil Ismail
Manager, Product Development
Banking Operations
Public Islamic Bank

From:        Kamarul Hawari bin Ghazaliq <khg9973@yahoo.com> on 19-06-2009 02:35 PM

To: islamicbkg@publicislamicbank.com.my
cc: customersupport@publicbank.com.my

Subject: Email Type (Enquiry) from Kamarul Hawari bin Ghazaliq

This email is sent from Public Bank Contact Us form.

Personal Information
——————–
Title*              : Mr.
Full Name*          : Kamarul Hawari bin Ghazaliq
Mobile Phone        : 017-7712224
Email Address*      : khg9973@yahoo.com

Enquiries / Feedback
——————–
Subject*                    : Enquiry
Category*                   : Personal Banking
Type of Product / Service*  : Islamic Banking
Specific Product / Service* : Cash Line Facility-i

Comments
——–
Dear Customer Service.

I would like to know detail about your product cash line facility-i. I heard that we can apply the OD using unit trust. Can you explain a little bit detail about this.

Regards

Dear respected investor,

Here i made a report on the current performance of PM unit trust fund.

1. Ittikal from 18.6.07 – 16.609: 2 years back. As you see in the chart, the price of ittikal still did not achieved break even price as jun 07. Means that, the price per unit that we buy two years ago is still high compare to the today’s price.

2. It’s same goes to PIDF – The price is still lower compare to the average cost of our unit.

CONCLUSION

AS THE CURRENT WORLD ECONOMIC IS SLOWLY RECOVERED, OUR UNIT TRUST PRICE IS STILL LOW COMPARE TO THE PRICE BEFORE ECONOMIC RECESSION. SO, IF WE ADD UNIT NOW, IT WILL LOWER DOWN OUR AVERAGE COST PER UNIT.

There are a lot of places you can save your money such as bank, tabung haji, insurance, koperasi and etc.  As an unit trust consultant, i would suggest to you to save or invest in unit trust fund. This is because of the return that can give by unit trust is more higher compare to other places. One of the investor who are invested on november last year has gain a good profit 14.04% as at today. Although the current economic situation is not fully recovered, this guy can get their profit if he sell all his unit.

Whatever it is, save your money for the futures and choose the best saving place to gain high profit return.

PM has been declared its fund PIDF with 1.25sen for each unit.

http://www.publicmutual.com.my/page.aspx?name=prs_rls_090505_0835

KUALA LUMPUR, May 4 — Rising optimism over the improving health of the global economy plus strong gains on heavyweights led to the benchmark Kuala Lumpur Composite Index breaching the 1,000-points psychological barrier today. The CI ended 18.62 points higher at 1,009.36 today. The last time Bursa Malaysia hit the above 1,000 level was in October last year. Some analysts are now projecting the CI to touch 1,077 points by the middle of the year.

However, Shahrul Kamal Ramli who is with equity sales for Macquarie Securities Group, said technical indicators and the flood of liquidity in the market seemed to point towards a modest room for upside before correction sets in. “KLCI had a strong run up since March. We are now in a base building process where most emerging-markets may confirm the extending up trend towards year-end as falling interest rates and easing inflation make equities more attractive than before,” he told Bernama here today. “While an intermittent correction is still likely, the increasingly positive sentiment worldwide prompts any market dip as a chance to buy on weakness,” he added. Shahrul added the global markets had strengthened as investors chose to focus only on positive economic data while ignoring the negative and Malaysia too had a fair share of market moving news. Among the stirring news was the announcement of RM5 billion for Valuecap Sdn Bhd to buy undervalued stocks in the local bourse. This was followed by the second stimulus package, while Bank Negara Malaysia (BNM) also did a string of rate cuts, and further liberalised the services sector. The political situation in the country has also taken a turn for better. The government continued with its efforts to boost investment and make the services sector more competitive. “The decisions came amid official warnings that the economy could shrink by as much as one per cent this year.” Malaysia was also hard hit by the global economic crisis, with exports down 15.9 per cent in February from a year ago. Shahrul said liberalising the services sector was also a good move. “The services sector is the largest, contributing 55 per cent to Malaysia’s gross domestic product last year.” The move to rely on services to at least 60 per cent is crucial as it would lessen the country’s reliance on electronics exports and commodities, Shahrul said. He added, however, despite the present positive sentiment, global equities markets may turn volatile later this week when the Federal Reserve is scheduled to release its findings on bank stress tests, which will show how many US banks lack sufficient reserves. Investors will also get a clearer picture of the US job market on Friday with the release of the April unemployment report, he said. “Late last year, foreign selling was at peak and fading come January-February 2009. “Foreign investors do nibble on their small positions but are yet to re-enter the KL market in a major way. Foreign funds view Malaysia as slightly expensive compared to other markets. “Signs of moderation in the pace of decline in economic activity have emerged and the domestic economy is expected to improve in the second half of the year. Until then, the key buyers of KL market remain mostly local,” he said. Meanwhile, Jupiter Securities Sdn Bhd’s head of research, Pong Teng Siew said the local market had entered into a small bull run since March this year with 20 per cent increase in the CI. “The uptrend in the KLCI is likely to continue until middle of the year supported by improving liquidity in the market,” he told Bernama in a telephone interview. He added that the additional units of Amanah Saham Wawasan 2020 and Amanah Saham Malaysia announced by Permodalan Nasional Bhd recently helped to boost the market. “A lot of funds in the market will make a difference. If the index keeps on rising, there’s a chance investors will invest in new funds,” Pong said. – Bernama

Najib bets on rapid economic reforms

Najib bets on rapid economic reforms KUALA LUMPUR, April 23 — Changes to the Malaysian economic landscape will come fast and furious. Next week, the Najib administration will consider lifting the ceiling for foreign ownership of banks, allowing international investors to own more than 30 per cent of a financial institution

________

Share prices close higher in bullish market

KUALA LUMPUR, April 23 — Share prices on Bursa Malaysia closed higher today on improved sentiment with strong interest seen in plantation, property, and information and communications technology (ICT) related stocks, dealers said.

They said that sentiment was spurred by the government’s decision yesterday to remove the 30 per cent Bumiputera equity condition in 27 service sub-sectors with immediate effect.

At close, the benchmark Kuala Lumpur Composite Index (KLCI) rose 10.06 points or 1.04 per cent to 978.64 after opening 0.37 of a point higher at 968.95 this morning.

________

The unit trust performance still consider at lowest price as compared to the previous three years performance. We still can take advantage to average down our cost per unit based on fact that the fund price is far more better as refer to today’s price.

KLCI hits high note

KUALA LUMPUR, April 10 – Share prices on Bursa Malaysia closed higher today with the KLCI at 941.38, the highest in six months fuelled by positive sentiment following the new…read more

Let see the effect of new cabinet minister line up by newly appointed prime minister.

Index KLSE – The KLCI ended 10 points higher at 917.9

The local stock market rebounded on April 9, after two days of losses, following overnight gains on Wall Street and ahead of the Prime Minister’s announcement on the new Cabinet line-up, which was announced in the afternoon.

Sentiment across Asia was also boosted by positive economic news from Japan. Japan’s stock market rallied from an unexpectedly positive reading on core machinery orders, which rose 1.4% month-on-month in February 2009 after four months of contractions – and well above expectations of a 7.9% drop. The data is a gauge of capital expenditure and could suggest business spending is nearing bottom.

Investor sentiment has improved over the last month as economic data – initially from the US but also now increasingly from elsewhere – start to show signs of a bottoming for the US and global economy. This has made investors more confident of investing in equities again, as economists are finally seeing some light at the end of the long dark tunnel.

The sustainability of global markets’ recent gains – and scope for more – will depend on upcoming US economic data. They will either help confirm or dispel investors’ recent optimism about the economy, noting that Wall Street has built in very strong expectations of a recovery later this year.

The KLCI was in positive territory the whole day. The KLCI ended 10 points higher at 917.9. Market breadth was positive with advancing stocks beating declining ones by a 2.7-to-one margin. Trading volume was high with 715 million shares changing hands.

Actively traded stocks include Maybank-OR, Johan, KNM, MRCB, Berjaya Corp, Resorts, TM and Mulpha. Major gainers include Tanjong plc, LPI, KL Kepong, MAS and Kossan. Losers include Wijaya, DKSH and UPA. Meanwhile, crude palm oil prices surged over 4% to above RM2,250 per tonne in the afternoon session.

Unit Trust Price

Ittikal was increased by 3.36% as compare to price at december 2008

PIDF was increased by 4.6% as compare to price at december 2008

PIEF was increased by 3.56% as compare to price at december 2008

*The detail price can be seen in www.publicmutual.com.my

Posted in Financial, Unit Trust ]]> http://khgpmutual.wordpress.com/2009/04/09/new-cabinet-minister/feed/ 0 khg9973 http://khgpmutual.wordpress.com/2009/04/06/index-kl-updated/ http://khgpmutual.wordpress.com/2009/04/06/index-kl-updated/#comments Mon, 06 Apr 2009 02:37:29 +0000 khg9973 http://khgpmutual.wordpress.com/2009/04/06/index-kl-updated/ ]]>

Green mean profit. The KL stock index as at today 6 march 2009. Is it the market start to recover ?

Looking for a researcher who are willing to work in image processing area.

Please click here to read comment from UZAR.

http://www.zaharuddin.net/content/view/805/72/

The richest man in the world said – buy America (stock)

Simple theory in investment – buy at lowest price, sell at highest price

Pelabur yang dihormati, secara ringkas nya beberapa fakta untuk dikongsi di dalam keadaan ekonomi tidak menentu

1. Lihat harga semasa dana anda dan bandingkan dengan harga waktu belian dahulu

2. Sudah pasti harga sekarang JAUH lebih rendah, seperti contoh ittikal dimana harga sekarang adala lebih kurang 0.68 sen. Ittikal pernah mencecah RM1 pada beberapa awal 2008

3. Tambah unit dana anda seberapa banyak yang mampu untuk merendahkan harga belian terdahulu. Maka teori beli sewaktu harga rendah dapat di praktikan

4. Adalah penting untuk ‘belajar’ atau mendapat sedikit pengetahun berkenaan unit trust anda bagi memudahkan keputusan dibuat

Keadaan sekarang boleh dirujuk kepada teori ekonomi atau economic clock. Perancangan adalah penting untuk memperolehi kelebihan dan keuntungan pada masa akan datang

Selamat melabur