can find the infor @ http://www.publicmutual.com.my/OurServices/Insurance.aspx

A sign...more fund coming uo..if there is CRASH...then is a opprtunity...

this juz personal view and what i read.

Listed Shariah stock requirement/compliance to take under sukuk not from conventional loan if they want to list as shariah.

For me is good, sukuk in M'sia there is demand for sukuk fund.

But come to cupon rate, i have no idea how to derive the cupon rate.

Furthmore shariab prohibt riba - (interest of money) , there the cupon rate not fix. Not mistaken based on profit sharing.

You can try Islamic FD, their rate not fix and some time is higher than conventional FD.

http://www.theedgemalaysia.com/business-ne...gest-sukuk.html

http://www.thestar.com.my/Business/Busines...-investors.aspx

http://www.thestar.com.my/Business/Busines...al-rebound.aspx

UT buying for long term -min 3year.
Too concerning bounce or what too JSE may not right type investment for you.
Do look for long term investment & own homework more before invest.

You dont mind can wait the right time - may seek to put $$$ in FD.
I personaly wait- only scare no cash to invest. When crisis come - is your guts to enter to market and see jaw droping happen.

Invetment has risk - the reason you gain the return and paper loss when wrong.

Dont need to scare, mindset/ heart must steady to wait for return.

you mean public mutual ? or investment infor/news/biz headline ?

This post has been edited by felixmask: Sep 28 2013, 06:30 PM

TOTAL INVESTMEN= RM500K
DDI = rm200/month

Total number of month = rm500k/rm200
= 2500 monthly
= 208 year 3 month.




Another is Saving calculator

http://www.miniwebtool.com/savings-calcula...ed=12&years=100

Savings Calculator
Initial principal: 200
Monthly deposit: 200
Annual interest rate: 5 %
Interest compounded: Annually
Number of years: 100


Your Savings
Final Savings Balance: 6290360.63
Initial Investment plus Monthly Contributions: 24200
Total Interest Earned: 6266160.63
Year Balance
1 2610.00
2 5140.50
3 7797.52
4 10587.40
5 13516.77
6 16592.61
7 19822.24
8 23213.35
9 26774.02
10 30512.72
11 34438.36
12 38560.27
13 42888.29
14 47432.70
15 52204.34
16 57214.56
17 62475.28
18 67999.05
19 73799.00
20 79888.95
21 86283.40
22 92997.57
23 100047.45
24 107449.82
25 115222.31
26 123383.42
27 131952.59
28 140950.22
29 150397.74
30 160317.62
31 170733.50
32 181670.18
33 193153.69
34 205211.37
35 217871.94
36 231165.54
37 245123.81
38 259780.01
39 275169.01
40 291327.46
41 308293.83
42 326108.52
43 344813.95
44 364454.64
45 385077.38
46 406731.24
47 429467.81
48 453341.20
49 478408.26
50 504728.67
51 532365.10
52 561383.36
53 591852.53
54 623845.15
55 657437.41
56 692709.28
57 729744.74
58 768631.98
59 809463.58
60 852336.76
61 897353.60
62 944621.28
63 994252.34
64 1046364.96
65 1101083.21
66 1158537.37
67 1218864.24
68 1282207.45
69 1348717.82
70 1418553.71
71 1491881.40
72 1568875.47
73 1649719.24
74 1734605.20
75 1823735.46
76 1917322.23
77 2015588.35
78 2118767.76
79 2227106.15
80 2340861.46
81 2460304.53
82 2585719.76
83 2717405.75
84 2855676.03
85 3000859.84
86 3153302.83
87 3313367.97
88 3481436.37
89 3657908.19
90 3843203.60
91 4037763.78
92 4242051.96
93 4456554.56
94 4681782.29
95 4918271.40
96 5166584.97
97 5427314.22
98 5701079.93
99 5988533.93
100 6290360.63

This post has been edited by felixmask: Sep 29 2013, 12:42 PM

Calc your self.
http://www.miniwebtool.com/savings-calcula...nded=1&years=30

juz do it...

In investment there no such guarnatee 10% return. The sample you given is sweet illustration for us to start saving.

How old are you ?

Im not to destory your saving plan, but when come to works and economic - our WORLD Financial system hv same flaw sometime- when too good repeated aka bubble there is correction happen- you might related to Asian Financial Crisis 97 and SubPrime Crisis 2008.

You must aware type of investment you invest becoz it come with a risk to have 10% gain.
You may need to do homework more before believe of what your agent saying. You hear the good thing, but they wont tell you the bad thing.
You dont worry, juz a tuition fee you learn to be Financial Genius.

If you juz started- you may try to undesrtand by slow invest the fund. Later you may interest to Low risk fund such and Bond fund. Then diversify your fund...later can go to property and stock.

If you have the fund return share to us...by time i invest may be different return. Time to time been..not all fund will return the same...some give you return 10% at 1year..subsequence drop like bird shit never wake up.....

Dont too concern of which fund can give 10%, which i/we wont know what will happen tomorow. To gain, you need to invest. What to invest do homework, you put in few factor- is own personal factor which may different each other opinion and needs.
Example theme fund are Reits, Property or OnG in equity type fund. Some are country theme like Indonesia or Singapore or Emerging Country.

Some scare of Equity type then can choose Bond Fund or Money Managment Fund. You must understand type of fund available in the market..which more that your money to invest. Disclamier i can suggest which fund, becoz i wont know yesterdar Hisotry may not represent future performance.
Some individual like history performance and etc....

This post has been edited by felixmask: Sep 29 2013, 01:52 PM

you juz 2 year... I tell you my grandpa been doing for 60years. How old is my grandpa is 79year old..still everyday looking at stock to invest...

able patient and withstand heart attack see his stock plunge to zero value. It's require emotion and patient to gain from investment.

This post has been edited by felixmask: Sep 29 2013, 01:54 PM

purple color...one

Meanz i learn from mistake of believe ppl, there is no such guarantee 10% or 5% gain. If there is loss $$$, you treat the loss as pay for tuition fee to realize your mistake. But you gain knowledge..which your parent and school wont able to teach you.


So....keep reading lwn yat forum and post more question if you dont understand. We all happy when we free to answer you...


I cant explain more..need to find my wife at shopping mall.

By the way the sample is static contribution of x year with x%. You may need to factor when you hv increment and bonus you may need to invest more to archieve your goal. 30year is way long way with juz rm200 per monthly. Spending all you money you wont arhcieve your goal in short term..you may need to increase your saving. Increase your saving with x% factor also.

This post has been edited by felixmask: Sep 29 2013, 01:58 PM

All Investment want money...Pray IB dont increase broker fee.

there other bond fund available in Public Mutual to choose. Sales charges has increased 1% since 1 oct 2013

This post has been edited by felixmask: Oct 15 2013, 05:17 PM

Higher return come with higher risk.



http://www.c2vtrader.com/Risk-And-Money-Management.php

you have answer...return higher than FD.

FD basically is BANK fix income product to their bank customer and part of bank business way taking deposit to give loan.

While BOND is a structure fix income security which promise given by a enterprise/company(NON BANK) to loan money rather borrow thru commercial bank.

Loan money from bank the interest may be higher and volatile rate, the reason enterprise/company may be prefer using BOND to gain financial, only way attract investor by giving higher than FD rate.

By LAW FD is only offer by bank, non other than bank which take/put your money in their account by return % rate is Investment structure.

Furthermore BANK FD is insured by PIDM up to rm250k max, and always NOT categorize as investment product.

Sharing how bank making money
http://www.youtube.com/watch?v=jqvKjsIxT_8

You try to google BOND and FD definition.

Bond definition http://en.wikipedia.org/wiki/Bond_(finance)

Recently BOND ipo; maybe you ineterst to apply.
http://www.danainfra.com.my/index.php?opti...id=69:frontpage

This post has been edited by felixmask: Nov 10 2013, 10:39 PM

are u planning to do ONE LUMP SUM or regular TOP UP?

duration to keep? do you expectation to withdraw $$$ , example new car, renovation, children edu, new hse, open business..etc
or Purely Retirement income.
Pls bear with me since we don't hv background of you. Best you get Financial planner to advice you, i can brief as below few scenario i can think;

Few info investor must aware by investor
Current market hv move peak now under correction .
In every 10year; there will/maybe having a financial crisis.
We cant/don't time the market in UT investment.

I suggest below alternate way can practice/meet your personal financial
Case 1) You age below 45 or Investment duration of 15year
You can practice lump sum as you not keen/listen/worry of the market every 10year.

Case 2) You maybe planning to to use the money less than 10year or Saving cum Investment
You can practice regular contribution slowly deduct. If you hv flexi mortage, you can put your money in the account to be deduct. Able to save the mortgage interest and regular saving. or you may interest to put in Bond fund..


Above juz example scenario i can think , the most important is your Financial and Risk Profile

Do you own risk profiling; then you able to select type of fund meet your profile
http://www.publicmutual.com.my/InvestmentP...owYourRisk.aspx
http://www.bankislam.com.my/en/Pages/RiskP...stionnaire.aspx
http://www.cimbclicks.com.my/content/einvest-guide.html
http://www.hsbc.com.hk/1/2/hk/investments/ut
http://www.fundsupermart.com.my/main/artic...k_Profiling.pdf
http://www.pacificmutual.com.my/?mobj=001&...content&pid=209

If you done above profiling, then you able to understand which fund that suitable you.

Disclaimer , is my 2sen and other sifu can provide different opinion/view/thought/suggestion of mine.
My suggestion not the best.

This post has been edited by felixmask: Nov 14 2013, 09:40 AM

Want to do switching is sell $$$ the current fund and move the $$$ to new fund.

Each fund has different NAV, like buying Kancil and switch Myvvi every year to avoid depreciation value by buying new one and sell the old one.Juz a sample.

Regular Swtiching wont BENEFIT/Shortterm cash profit/Formula can over take Fund manager, becoz the entry price enter NAV and distribution will be a gap different when switching. Not all the time swtiching you get a positive gap everytime. Market alwasy volatile.

There ppl who do so(SWITCHIN) before fund the distribution declare, switch to fund those fund after/declare distribution ; simple reason DONT want the FUND got TAX give to Gov. , Not everytime the GAP is postive.

I didnt include the SC and Switch fee and etc in 1st year which you may forgotten eaten your 5.5%.

Example NAV buy Fund A is 0.50 sen, after 11 month or 1 month before distribution, may not know what the Distribution. Let said the Fund A rise to 0.60, tink hv earn 0.10 sen - you may switch - to those other FUND B after distribution.

Not everytime the fund can rise 0.10sen after 11 month, we may not know the future outlook. It may rise to 0.60 on the month 6 and move average back to 0.52 sen on the 11month. The gap is very important if want to play short or regular switching or luckily to see so everytime. UT not like stock, which ppl can spread rumor on individual to rise or speculation on individual on particular date.UT is collection of pool of stock which has fixed financial day, and not speculative by individual stock by a market of the fund investing.

The risk taken is to avoid the distribution and making assumption it will rise in every fund. Some fund may stuck the range 0.50 - 0.55 so to other fund as well with smaller, there wont any Benefit when do so when the fund NAV move small varying with 1 year.
Comparedoing switching after 3year, becoz outlook equities not good and want to move to safer/less volatile fund like bond fund.

There is a risk the NAV switch fund will go UP, becoz the NAV not alwasy will rise but depend on the market of the fund.
If investor never do research properly/or knowing the market outlook may loss juz to play short like stock.

Juz my 2sen...Dont time the market in UT, not everytime is correct.
UT is not investment for less than 1 year, is alwasy long term above 3year.
UT is alwasy associate OLD MAN like me...cannot get heart attack..

Are you joking or serious?

You buy...then I switch into.


PM noting to do recently....

This post has been edited by felixmask: Nov 20 2013, 09:40 PM