Hi everyone!

In case there's anybody here need new UTC (Public Mutual) or want to invest but dunno how, feel free to contact me.

Especially those who want to invest via EP£ acc 1, service charge are heavily discounted until April 2021.

Starting this May 2020, investment via EP£ acc 1 will only charged 1.5%, compared to 3% previously.

The only thing I can promise to my client is, you will never regret to have me as your servicing UTC.

😊😊😊

Indeed, if client do it through i-invest portal.

I'm referring to investment via manual @ form.

Thus, I'm offering my service.

Since different clients have their own preferences.

I'm covering East Sabah area since I'm registered under Sandakan Branch.

😊😊😊

For better comparison, this is the latest Monthly Fund Report (MFR of May 2020) for both fund.


PeISMF benchmark are;

= 90% S&P Global 1200 ESG Shariah + 10% 3-month Islamic Interbank Money Market rate.


PBGTHF benchmark are;

= 50% S&P Global 1200 Information Technology Index + 40% S&P Global Health Care Index + 10% 1-month KLIBOR rate.


PeISMF top 5 holding consists of;
- Apple Inc
- Alphabet Inc
- Microsoft Corp
- MasterCard Inc
- Visa Inc

**PeISMF exposure to US market are 71.02%


While PBGTHF top 5 holding consists of;
- iShares Global Healthcare ETF
- Health Care Select Sector SPDR
- Vanguard Healthcare Index
- Microsoft Corp
- Apple Inc

** PBGTHF exposure to US market are 86.06%


Which means, if US market are bad, PBGTHF are more affected compared to PeISMF.

However, since both fund are focusing more into Technology sector the most, both fund are quite stable.

Much welcome.

It is my duty to make any prospect well-informed about the fund that caught their interest.

In the end, it's client money. Hard earned money.

So, of course if I put my shoes as a client, I would be very upset if my investment doesn't do any good.

Explaining which fund are affected by which market is how my approach work.

At least it gives the client better insight on which market to focus or avoid.

8% return is totally doable.. Some even get it higher.

With two condition ;

1. The agent must be PROACTIVE.
2. The RIGHT fund are selected.

If the agent are passive one, then it's better to just leave it in EP£ account.

Mind you, EP£ are outperforming their promise in term of dividend/return, which is they must give at least 2.5% return annually.

(Spoiler : EP£ are government Bond Fund. Bond fund can promise minimum return.)

Promising return of xx% to the client is wrong. For example, somebody said "I guarantee you 10% return p.a".

But if he/she said, "I will do my best to get up to 10% return", then technically it doesn't break the rules.

Dividend fund;

1. Dividend are either ACCIDENTAL or annual/bi-annual/quarterly/monthly.
2. Dividend fund risk are vary, from low risk to very high risk.
3. Not all dividend fund are income fund, but all income fund are dividend fund.


Income fund;
1. Simplest explanation for income fund is, it is similar as FD.
2. Risk are much lower (which make the return also bit lower).
3. Dividend are given annually/bi-annual/quarterly/monthly.