Its All About Unit Trust (Episode 1)

Saya ingin berkongsi pengalaman melabur di Unit Trust. Saya mula melabur di unit trust pada August 2007. Berapa yang saya laburkan biarlah rahsia. Di dua buah syarikat Unit Trust gergasi di Malaysia ni.

Alhamdulillah, pelaburan di syarikat pertama hanya mengambil masa 1 bulan untuk mengaut keuntungan. Dan saya mengambil keputusan untuk menjual semua unit di Syarikat ini pada January 2008. Alhamdulillah. Selama lebih 4 bulan itu, saya mengumpul untung sebanyak 16%. Banyak bukan.

Pelaburan saya di syarikat yang kedua membuat hati saya cukup gemuruh. Bayangkan, hampir 3 bulan, tiada perkembangan yang positif dari pelaburan itu. Sekejap naik, sekejap turun dan tempoh mula melabur adalah sama dengan syarikat pertama. Saya menjualnya pada January 2008 juga dengan keuntungan 2% sahaja dalam tempoh hapir 5 bulan. Sedikit sahaja, tapi lebih baik dari tiada langsung.

Saya juga membuat pelaburan di 3 buah syarikat insurans dan juga takaful, seperti yang saya katakan semalam. Pelaburan insurans dan takaful adalah pelaburan yang paling selamat. Yang ni saya tak mengambil tahu sangat mengenai berapa jumlahnya. Kerana saya melihat pelaburan saya ini untuk tempoh 30 tahun lagi. Yang pasti waktu tu, nilai pelaburan saya dalam syarikat insurans ini mungkin mampu membeli Lexus RX350 dan sebuah rumah idaman saya tu. Atau mungkin lebih dari tu.

Selepas saya menjualnya pada January 2008, Harga unit amanah di kedua-dua syarikat mula merudum akibat ketidakstabilan politik Malaysia akibat kelemahan pentadbiran oleh kerajaan. Diikuti pula kejatuhan ekonomi dunia kini yang mula meruncing. Harga unit amanah merudum sehingga lebih 50%. Bayangkan anda kerugian lebih 50% dari ape yang anda laburkan. Tentu rasa tertipu bukan. Tapi sebenarnya bukan salah di unit trust atau agennye. Salahkan ekonomi, baru betul. Tak lupa juga pentadbir negara ye.

Ada yang bertanya pada saya, bila waktu yang sesuai untuk membeli unit trust? Sekarang waktu yang sangat sesuai untuk membeli unit-unit amanah. Tapi jangan harapkan pulangan dalam jangkawaktu terdekat. Kerana harga unit amanah ini dijangka akan hanya kembali mengukuh dua tahun dari sekarang.

Kalau nak bertanya pendapat lebih lanjut, boleh saja hubungi saya. Saya sedia membantu. Saya bukan menjual, tapi sekadar berkongsi pendapat apa yang sesuai. Saya boleh dihubungi di 012-2421433.

Sekian...

Its All About Unit Trust

Hari ni decide nak tulis dalam bahasa melayu semula. Setelah jenuh memikirkan perkataan yang bombastic bagai semua tu la. So hari ni jadi melayu pula la ye. Nanti orang kata very the berangan nak jadi mat salleh berkulit jawa. Hahaha

Untuk pengetahuan semua pembaca, saya bukan agent unit trust. Tapi saya pelabur unit trust yang ada sedikit pengetahuan mengenai unit trust untuk dikongsi dengan semua pembaca blog aku. Aku takde lesen unit trust la. Nak jual kene ade lesen.

Semalam ade sorang tu suruh aku post pasal Unit Trust. Hows things work. Macam mana untung. Macam mana rugi semua la. Aku akan share dengan korang dengan pengetahuan aku yang agak sedikit ni. Kalau ade yang salah betulkanlah ye.

Macam mana unit trust works? Begini. Unit trust menggunakan unit untuk berniaga, dan yang berubah adalah nilai seunit itu. Perubahan dalam nilai seunit yang membuatkan kita untung dan rugi.

Sebagai contoh, anda melabur dalam unit trust sebanyak RM10,000 dan membeli satu dana yang diniagakan RM0.50 seunit hari itu. (Kadar yuran pengurusan adalah 6.5%)

• Modal anda = RM10,000
• Yuran pengurusan = RM650
• Jumlah yang dilaburkan = RM9,350
• Jumlah unit yang akan diniagakan = 18,700 unit (Pada kadar RM0.50 seunit)

Bagaimana keuntungan boleh diperoleh? Keuntungan dan kerugian anda bergantung 100% pada kadar unit itu diniagakan. Sebagai contoh di atas, anda membeli dengan kadar RM0.50 seunit dan pada keesokan harinya. Ianya diniagakan pada kadar RM0.55 seunit.

• Nilai Unit = 18700 unit
• Nilai pelaburan = RM10,285 (Keuntungan adalah RM285)

Begitu juga sebaliknya. Sekiranya harga yang diniagakan menyusut, kita akan rugi. Itulah risiko yang terpaksa diambil oleh pelabur-pelabur.

Bagaimana nak mengetahui nilai-nilai setiap unit? Anda boleh melihat di papan-papan unit trust di website-website syarikat unit trust ataupun di akhbar harian.

Terdapat 3 kategori dana dalam unit trust,

1. Ekuiti – Dana yang sangat agresif. Yang mana memberi pulangan yang tinggi, dan juga memiliki kerugian yang tinggi. Senang cite kalau harga unit dia nak naik, suka hati gile dia nak naik, kalau nak turun, boleh sakit jantung. So faham tak agak-agak. Pelaburannya ke syarikat-syarikat gergasi yang memberi pulangan lumayan la. Contohnye syarikat petroleum la. Minyak kan turun naik suka hati je.
2. Manage – Dana yang kedua ni pula dana yang lebih moderate. Maksudnya kalau dia nak naik, ok ok saja. Kalau dia nak turun. Ok ok la. Tapi darah tinggi bleh naik gak la. Tapi tak sampai sakit jantung. Aku tak pasti la labur kat mana.
3. Bon – Dana ketiga ni, saya panggil dana selamat. Sebab dana ni berisiko rendah. Kadar keuntungan dia pula. Boleh la. Dia naik sikit-sikit. Kadar keuntungan dia slow sikit. Tapi kadar kerugian tu. Kalau rugi tu bleh gelak2 lagi la. Selalunya dana ni akan melabur dalam projek2 kerajaan.

Memilih dana terpulang la kepada selera pelabur. Setiap syarikat unit trust memiliki lebih dari 20 dana yang menjanjikan pulangan yang baik. Anda harus bijak membeli. Tapi bagi orang islam. Anda di galakkan melabur dalam dana syariah. Kerana apa yang kita makan akan menjadi darah daging kita.

Insurans dan takaful kini melaburkan semua caruman pencarum insurans dan takaful ke dana-dana unit amanah yang mana ia akan memberikan pulangan yang lumayan kepada pencarum insurans dan takaful. Mesti tak ramai yang tahu tentang hal ni.

Dan kalau nak tahu juga, pelaburan insurans dan takaful juga saya panggil pelaburan yang sangat selamat dan memberi jaminan masa depan. Kenapa sangat selamat dan menjamin masa depan. Yang tu adalah rahsia saya, kalau nak tahu jumpa la saya. Sebab nak kongsi cerita di sini sangat susah.

Selamat melabur ok. Pastikan pilihan anda bijak dan melaburlah dengan tepat. Jangan sampai kene tipu sudah.

PruBSN Takaful - Takafulink

Gain the Flexibility to Manage Your Changing Needs

The truth about life is that needs change with time. And as needs change, so do priorities. The problem is getting your financial arrangements to change in response to life's changing priorities.

Prudential BSN's (PruBSN) Takafulink Plan is a Shariah-compliant investment-linked family Takaful plan that is designed to overcome life's uncertainties by putting you in control of your life with total flexibility. By adhering to the values you believe in, it also puts you in control of your way of life.

How Does Takafulink Plans Work For Me?

For Your Protection: We'll help you plan the level of protection suitable for you by guiding you through all elements of the Takafulink plan.

Basic Benefits Death: The sum covered and the remaining value in Participant's Unit Account (PUA)* and Individual Special Account (ISA)** will be paid should death occur.
*PUA is the account where units are allocated, depending on the amount of linked contribution paid.
**ISA is the account where supplementary benefit contributions are allocated.

Total and Permanent Disability (TPD): The sum covered will be paid should TPD occur before the age of 60 while the units in your PUA and the value in your ISA will remain in your account.

Supplementary Benefits

Accidental Death and Disablement, Accidental Medical Reimbursement: Provides accident benefits to supplement your main protection plan.

Medical Cover: Provides fixed cash payments for Hospitalisation Assistance, Intensive Care Assistance and Surgical Procedure Assistance, in the event of hospitalisation due to illness or injury.

Major Medical Cover: Provides medical cover for Hospital and Surgical and Outpatient Treatment Benefits in the event of hospitalisation or out-patient treatment due to illness or injury. This also includes Emergency Medical Assistance.

Hospital Benefit: Provides daily cash assistance in the event of hospitalisation.

Disability Provider, Crisis Cover Income: Provides annual payable benefit in the event of TPD or critical illness before age 60.

Crisis Shield: Provides protection against a critical illness, ready for when you need it most.

Weekly Indemnity: Provide weekly cash assistance if a participant becomes temporarily disabled due to accidents.

Contributor: Pays an annual benefit in the event of critical illness. Payment will cease upon death of participant.

Spouse or Parent Contributor: In the event of death, TPD before age 60 or diagnosis of critical illness on the spouse or parent of participant, the benefit will assist the participant with future contributions to the Takaful plan. Payment of annual benefit will cease upon death of participant or upon reaching age 60.

For Your Savings Needs

We'll also help you plan your savings by providing you with a variety of funds to invest in. A proportion of your contributions are allocated to buy units from your choice of the Takafulink funds. The contributions are allocated according to the certificate year and its corresponding percentages. Choose the Shariah-approved Takafulink funds that suit your investment needs and risk tolerance.

Takafulink Dana Ekuiti: Aims to maximise returns over medium to long term by investing in high quality Shariah-approved shares listed on the Bursa Malaysia. For participants with high risk tolerance and medium to long term investment horizon.

Takafulink Dana Bon: Aims to provide medium to long term accumulation of capital by investing in selected Shariah-approved securities. For participants with low to moderate risk horizon and medium to long term investment horizon.

Takafulink Dana Urus: Is a managed fund that seeks to maximise returns over medium to long term. This is achieved by investing in Shariah-approved shares and securities through Takafulink Dana Ekuiti and Takafulink Dana Bon and in any other such Takafulink funds that may become available in the future. For participants with moderate to high risk tolerance and medium to long term investment horizon.
Surplus Sharing

Every participant is entitled to share the underwriting surplus and investment profit, if any. Underwriting surplus arising from the Tabarru' Fund will be distributed to the participants by crediting back to their ISA and buying additional units in PUA while the investment profit will be shared between the participants and the company at a pre-agreed ratio.

The Plan Give You More Flexibility

• Vary the amount of Takaful protection for death and disability without affecting your contribution.
• Enhance your Takaful coverage by adding critical illness, accident, medical, disability and other supplementary benefits.
• Build up a healthy retirement fund by choosing any of the Shariah-approved Takafulink funds that yield a potentially higher return than a bank's savings account over the long term.
• You may switch your investment between Shariah-approved Takafulink funds at any time. The minimum amount that can be switched is RM1,000.
• Make withdrawals to meet your changing needs at any time. The minimum withdrawal is RM1,000. It is available provided the value of remaining units is at least RM4,000.

**Subjected to term and condition

Who Can Take Up The Plan?

Anyone between 18 and 60 years old can take up the plan. You can also take up this plan for your child who is under 18 years of age.
How Do I Start

First, determine your protection needs, such as your basic cover and other optional and supplemental benefits. Then, decide on an affordable amount to set aside every month. With the Takafulink Plan, you can start protecting your health and financial future for as little as RM3.33 a day.

For more information/enquiries please contact me:
Zafril (+6012-2421433/+6019-2022839)

PruBSN Takaful - Takafulink Cerdik

Nurture their aspiration starting now. Ensure a bright future for them.

The Takaful Concept

Takaful is a mutual assistance certificate based on the principles of shared responsibility, cooperation and common interest. Each participant contributes on the basis of Tabarru’ (donation) into a fund that will be used to support each other in times of need.

Give the proper education for your children

A strong education is the most valuable gift that you can give to your children. However, the increasing education cost in University and life journey that is hard to predict force us to put a side a provision to ensure your children’s education will not be affected. By choosing Takafulink Cerdik, you will be confident that you have already provided them an everlasting whole life gift. There is no other plan that is as complete or as simple as Takafulink Cerdik. That is the reason why this plan is the right plan for you and your children.

Protect The Education and Well Being Of Your Children Future

Takafulink Cerdik Plan is a fixed contribution investment link plan that matured when your children’s ages reach 25 years old. This plan does not only give protection for the education and well-being of your children, it is also flexible enough to suit you and your children ever changing needs.

Now you can give your children two most valuable gifts – education and protection – in one innovative combination of a unique plan.

Basic Benefits

Death: The sum covered and the remaining value in Participant’s Unit Account (PUA)*, Individual Special Account (ISA)** and Investment Unit Account (IUA)*** will be paid should death occur.

* PUA is the account where units are allocated, depending on the amount of linked
contribution paid and surplus and/or profit arising.

** ISA is the account where supplementary benefit contributions and surplus and/or profit arising shall be paid.

*** IUA is the unitized account where Takaful Saver supplementary benefit contribution allocated.

Total and Permanent Disability (TPD): The sum covered will be paid should TPD occur before the age of 25 while the units in your PUA, IUA and the value in your ISA will remain in your account. Should the child die or suffer from TPD before the age of 5, the proportion of the Sum Covered that shall be paid are as follows:

Accidental Death and Disablement: Accident benefits to supplement your main protection plan.

Medical Cover: In the event of hospitalisation due to illness or injury, fixed cash payments will be given for Hospitalisation Assistance, Intensive Care Assistance and Surgical Procedure Assistance.

Major Medical Cover: Provides medical cover for Hospital and Surgical and Outpatient Treatment Benefits in the event of hospitalisation or out-patient treatment due to illness or injury. This also includes Emergency Medical Assistance. Hospital Benefit: Provides daily cash assistance in the event of hospitalisation.

Disability Provider: Benefit payable annually in the event of TPD or critical illness before age 25. Crisis Shield: Provides protection against a critical illness, ready for when you need it most.

Contributor: Pays an annual benefit in the event of critical illness. Payment will cease upon deathof participant.

Parent Contributor: In the event of death, TPD before age 60 or diagnosis of critical illness on the parent of participant, the benefit will assist the participant with future contributions to the Takafulplan. Payment of annual benefit will cease upon death of participant or upon reaching age 25.

Takaful Saver: A regular contribution investment-linked rider for investment purposes only, where the contributionswill be used to purchase units in the Investment Unit Account (IUA). For takaful terms of less than or equal to 20 years, the Takaful Saver rider attachment is made compulsory at a 1:1 ratio to the basic plan.

Takaful Saver Contributor: Pays Takaful Saver contribution in the event of illness of participant.

Takaful Saver Parent Contributor: Pays Takaful Saver contribution in the event of death, total and permanent disability before the age of 60, or diagnosis of critical illness on parent of participant.

For Your Savings Needs

We will also help you plan your savings by providing you with a variety of funds to invest in.

A proportion of your contributions are allocated to buy units from your choice of the Takafulink funds. The contributions are allocated according to the certificate year and its corresponding percentages.

This certificate mayqualify you for the RM3,000 education tax relief.

In the event of non-payment of the regular contributions, the charges will continue to be deducted until such time when the value in the PUA and/or ISA has depleted to zero and the certificate shall be deemed as lapsed.

Choose the Shariah-approved Takafulink funds that suit your investment needs and risk tolerance.

Takafulink Dana Ekuiti: Aims to maximise returns over medium to long term by investing in high quality Shariah-approved shares listed on the Bursa Malaysia. For participants with high risk tolerance and medium to long term investment horizon.

Takafulink Dana Bon: Aims to provide medium to long term accumulation of capital by investing in selected Shariah-approved securities For participants with low to moderate risk horizon and medium to long term investment horizon.

Takafulink Dana Urus: Is a managed fund that seeks to maximise returns over medium to long term. This is achieved by investing inShariah-approved shares and securities through Takafulink dana ekuiti andTakafulink dana bon and in any other such Takafulink funds that may become available in thefuture. For participants with moderate tohigh risktolerance and medium to long term investment horizon.

Past actual performance is not a guide to future performance which may be different. The investment risk of thefunds will be borne solely by you and the performance of the fundsis not guaranteed.

The value of the fund may fall below the amount of contributions you paid depend on the performance of the underlying assets.

Every participant is entitled to share the underwriting surplus and investment profit, if any. Underwriting surplus arising will be distributed to the participants by crediting back to their ISA and buying additional units in PUA while the investment profit will be shared between the participants and the company at a pre-agreed ratio.

The Plan That Gives You More Flexibility****

Vary the amount of Takaful protection for death and disability without affecting your contribution.

Enhance your Takaful coverage by adding critical illness, accident, medical, disability and other supplementary benefits.

Build up a healthy retirement fund by choosing any of the Shariah-approved Takafulink funds that yield a potentially higher return than a bank’s savings account over the long term.

You may switch your investment between Shariah-approved Takafulink funds at any time. The minimum amount that can be switched is RM1,000.

Make withdrawals to meet your changing needs at any time. The minimum withdrawal is RM1,000. It is available provided the value of remaining units is at least RM4,000.

****Subject to terms and conditions

Who can take up Takafulink Cerdik Plan?

Anyone who have children age between 1 and 15 years old can take up the plan. Parents own the certificate and they will match the plan for the benefits of their children.

How do I start?

First, determine your children protection needs, such as their basic cover and other optional and supplemental benefits. Then, decide on an affordable amount to set aside every month. With the Takafulink Plan, you can start protecting your children health and financial future for as little as RM3.33 a day.

For more information/enquiries please contact me:
Zafril (+6012-2421433/+6019-2022839)

PruBSN Takaful - Takaful Saver

A regular contribution investment-linked family takaful riders for investment purpose only where contributions (after deducting upfront wakalah charge) will be used to purchase units in the Investment Unit Account (IUA).

For as little as RM 10 a month, you can add on Takaful Saver supplementary benefit to enable you to buy more units. Takaful Saver does not have any takaful cover and 95% of the contribution is allocated to buy units.

The contribution direction into selected investment funds will follow Takafulink contribution direction i.e. participants are not allowed to decide a different contribution direction for Takaful Saver.

We also provide Supplementary Benefits riders along with Takaful Saver which is:

Takaful Saver Contributor: Pays an annual benefit (Takaful Saver contribution) in the event of critical illness. Payment will cease upon death of participant.

Takaful Saver Parent Contributor or Takaful Saver Spouse Contributor: In the event of death, TPD before age 60 or diagnosis of critical illness on the spouse or parent of participant, the benefit will assist the participant with future contributions to the Takaful Saver. Payment of annual benefit will cease upon death of participant or upon reaching age 60.

Takafulink Fund

Choose the Shariah-approved Takafulink funds that suit your investment needs and risk tolerance.

Takafulink Dana Ekuiti: Aims to maximise returns over medium to long term by investing in high quality Shariah-approved shares listed on the Bursa Malaysia. For participants with high risk tolerance and medium to long term investment horizon.

Takafulink Dana Bon: Aims to provide medium to long term accumulation of capital by investing in selected Shariah-approved securities For participants with low to moderate risk horizon and medium to long term investment horizon.
Takafulink Dana Urus: Is a managed fund that seeks to maximise returns over medium to long term. This is achieved by investing in Shariah-approved shares and securities through Takafulink Dana Ekuiti and Takafulink Dana Bon and in any other such Takafulink funds that may become available in the future. For participants with moderate to high risk tolerance and medium to long term investment horizon.

Who can take up Takaful Saver?

Anyone between 18 and 60 years old can take up this rider. You can also take up this rider for your child who is under 18 years of age.

For more information/enquiries please contact me:

Zafril (+6012-2421433/+6019-2022839)