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bole saya mencelah sikit..baru jap tgk web public mutual..bila tgk performance utk setahun bagi kebanyakan trust islamic semua turun menjunam..ape maksud dia? semua negatif...adakah itu petanda semakin rugi atau apa?

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bole saya mencelah sikit..baru jap tgk web public mutual..bila tgk performance utk setahun bagi kebanyakan trust islamic semua turun menjunam..ape maksud dia? semua negatif...adakah itu petanda semakin rugi atau apa?

Bole bro kalau nak mencelah anytime..you are most welcomed

When u look setahun punya performance in particular of tahun 2008 nie..performance yg turun menjunam, negatif yg u noted is a direct reflection dpd global threat US economic, recession environment spt yg kecoh akhbar2 business melaporkan skang nie...

di tambah lagi dgn kesan inflasi that has reduce consumer spending dan political uncertainties yg telah menyumbang kepada KLCI underperformance. Sumer market shares, unit trust funds, commodity prices have affected regardless whatever company skali pun

That is common effect. But it will not prolonged. Tahun 96-97 was Asia financial year crisis...but then recover back. Tahun 1930 and 1970s also was financial year crisis...but then also recover back

Now, this time is the worst ever..but it will recover back later..i confident early to mid next year, u akan lihat performance yg turun menjunam akan mencanak2 naik semula..masa tue, sapa yg invest time skang..time tue dia akan makan besar :D

Edited by Etiqa

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Klau sudi send gak kat email sayer rullbaragas [at] putera.com

Berminat nie..... antara cimbbank ngan public bank maner lagi better.....?

salam rullbaragas (dasyat giler nickname ko :P )

Ok bro, aku tak sure which one ko more preferred samada be UTC or investor..nonetheless, aku decide to send 2 versions to hope can cover overall generall aspect of Public Mutual B)

maner lagi better ...hmmm :wub: aku suggest ko buat own comparison.

My advise, choose the best product yg di recognised.

Edited by Etiqa

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This is yesterday's news....Now, we are in the recession environment. Sesapa yg berminat nk jadi UTC, daftar cepat dgn saya sbb time2 cenggini, pelabur akan pump in to buy low price of unit trust funds.

sesapa yg berminat nak melabur..start la skang..next 1-3 years anda akan tersenyum lebar (cam salesman plak :P )

Dow dives below 10,000 on credit, recession fears By Kristina Cooke

Mon Oct 6, 6:09 PM ET

NEW YORK (Reuters) - Stocks slid for a fourth straight day on Monday, leaving the Dow below 10,000 for the first time in four years, on fears the global economy was hurtling into recession despite government efforts to contain the fast-spreading financial crisis.

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The steep declines came in the first full session since the U.S. Congress approved a $700 billion bailout of the financial industry, as lending came to a virtual halt and investors shifted their focus to the crumbling outlook for the economy and profits.

But the market cut almost half its losses in the final hour of the session, as traders speculated the sell-off may trigger a coordinated global response to thaw credit markets. The Dow plummeted as much as 800.06 points -- a record intraday point drop for the blue-chip average -- as it slid 7.75 percent to its session low at 9,525.32. By the closing bell, though, the Dow had recovered 430.18 points to end down 3.6 percent. The S&P financial sector sub-index, which had earlier been down more than 8 percent, closed down 4.2 percent.

The energy sector skidded as the price of oil dropped to an 8-month low below $88 a barrel on expectations that a recession will further hamper global fuel demand.

Wall Street's drop was part of a breakneck global sell-off, which led to trading being halted in Russia, Brazil and Peru. The emergency rescue of two big European banks and a move by several European governments to guarantee bank deposits intensified fears that the credit crisis can not be contained.

"We're clearly in the panic zone now. We've tipped over from bear market to panic," said John Schloegel, vice president of investment strategies for Capital Cities Asset Management in Austin, Texas.

"We're past the bailout now and focused back on fundamentals again and the fundamentals don't look good. People are starting to come to grips with third-, fourth- quarter earnings. If the supertanker of the U.S. economy is at a complete standstill, which it might be, that has not been adequately discounted yet," he said.

The Dow Jones industrial average fell 369.88 points, or 3.58 percent, to 9,955.50. It was the first time the Dow closed below 10,000 since October 2004.

The Standard & Poor's 500 Index skidded 42.34 points, or 3.85 percent, to 1,056.89, while the Nasdaq Composite Index dropped 84.43 points, or 4.34 percent, to 1,862.96.

For the year to date, the Dow is down about 25 percent, the S&P 500 is down 28 percent and the Nasdaq is down 29.8 percent.

BANK OF AMERICA EXTENDS SLIDE AFTER BELL

After the closing bell, there was more tough news for the banking sector. Bank of America cut its dividend, unveiled plans to sell $10 billion of new stock and said third-quarter profit was cut in half from a year ago.

Bank of America warned that credit quality continued to weaken during the quarter and said the economy has moved to a "recessionary environment." Shares of Bank of America, which had fallen 6.6 percent to $32.22 during the regular session, fell another 7 percent in after-hours trade.

In the latest development in the reshaping of the U.S. financial landscape, a person familiar with the situation said

Wells Fargo & Co and Citigroup Inc were in talks to end their high-stakes battle over troubled Wachovia Corp. The increasingly bitter dispute, which flared through the weekend, has drawn in U.S. government officials in an attempt to broker a compromise.

Wells Fargo slipped 2.7 percent to $33.64, Wachovia shares dropped 6.9 percent to $5.78 and Citigroup fell 5.1 percent to $17.41.

Among shares of energy companies, Chevron Corp lost 3.2 percent to $76.84. An index of oil services companies fell 7.8 percent. U.S. front-month crude tumbled $6.07, or 6.5 percent, to settle at $87.81 a barrel.

Technology companies, which often have significant overseas exposure, slid sharply. Shares of Oracle Corp, the world's third-largest software maker, fell 6.1 percent to $18.30 on Nasdaq, after German rival SAP AG said it saw business drop off at the end of the third quarter.

Shares of eBay Inc fell 5.5 percent to $17.89 on Nasdaq after the online auctioneer said it plans to cut 10 percent of its work force and spend about $1.3 billion on acquisitions to bolster its online payment and classified units as it tries to counter a weak U.S. economy.

Trading was active on the New York Stock Exchange, with about 1.95 billion shares changing hands, roughly in line with last year's estimated daily average of roughly 1.90 billion, while on Nasdaq, about 3.45 billion shares traded, sharply above last year's daily average of 2.17 billion.

Declining stocks outnumbered advancing ones by 15 to 1 on the NYSE and on the Nasdaq, by about 6 to 1.

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salam....sebenarnya nak tanya macam mana nak join perniagaan amanah saham nie?...mcm ala2 agent insurans ke?...cuma bertanya kalau salah tolong betulkan!...e-mail saya [email protected]

Edited by taknaim

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salam....sebenarnya nak tanya macam mana nak join perniagaan amanah saham nie?...mcm ala2 agent insurans ke?...cuma bertanya kalau salah tolong betulkan!...e-mail saya [email protected]

Salam taknaim

Kalau nak join, kena byr pengeras RM 250 utk amik exam FMUTM..pastue bila pass dan ko deliver RM 50K within 6 month, pengeras tue akan di pulangkan balik

Agen insurans and Unit Trust Consultant mmg lebih kurang sbb kami dalam financial planning community..cuma produk ajer different sket.

Check ur email bro...

" No need to be wealthy to start invest..but you need to invest to be wealthy"

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dah dapat info...pengeras RM250 untuk apa bro?...hehehehe

Pengeras tue as wang pendaftaran Public Mutual dan wang peperiksaan...nie commont bro

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If you invest in local market fund..then your exposure is lesser to below crisis..ini kerana local market fund is 100% trade in Ringgit sahaja, espescially epf allowed fund..

So don't worry B)

Mata wang utama Asia jadi mangsa krisis di AS

Oleh Kamarulzaidi Kamis

[email protected]

Bank pusat, pelabur global bertindak sokong nilai dolar

MATA wang utama Asia termasuk ringgit menjadi mangsa aktiviti menyokong nilai dolar Amerika Syarikat (AS) oleh bank pusat dan pelabur institusi utama global bagi mengelak kejatuhan teruk nilai rizab antarabangsa dan pelaburan mereka susulan pelaksanaan pakej menyelamat AS bernilai AS$700 bilion serta kegiatan spekulasi berikutan jangkaan pertumbuhan perlahan ekonomi Asia kesan krisis kewangan AS.

Paling teruk terjejas adalah mata wang Korea apabila nilai won jatuh 4.7 peratus kepada 1,364.05 bagi satu dolar AS, paras terendah dalam tempoh tujuh tahun.

Mata wang rupee India mencatat penyusutan untuk hari ketiga berturut-turut semalam apabila susut sehingga 0.7 peratus kepada 48.14 berbanding dolar AS, terendah sejak Disember 2002 sebelum pulih sedikit menjelang penutup ke paras 48.08 berbanding dolar AS.

Mata wang baht Thailand pula mencatat penurunan hari kelimanya apabila susut 0.2 peratus kepada 34.46 berbanding dolar AS.

Ringgit juga tidak terkecuali menjejaki aliran menurun mata wang utama Asia apabila jatuh bagi hari keempat berturut-turut semalam apabila ia susut 0.1 peratus lagi kepada RM3.489 bagi satu dolar AS.

Paras itu adalah yang terendah dalam tempoh 13 bulan. Nilai mata wang tempatan itu menurun enam peratus daripada RM3.289 berbanding dolar AS pada awal tahun ini.

Ringgit yang dibuka rendah semalam, susut mendadak ke paras terendah RM3.5078 berbanding dolar AS, sebelum pulih sedikit menjelang penutup.

Pakar Kewangan Institut Perbankan Universiti Islam Antarabangsa Malaysia (UIAM), Prof Dr Ahamed Kameel Meera, berkata penarikan keluar modal asing daripada rantau ini bagi menyokong dolar AS adalah punca utama penurunan nilai mata wang Asia.

"Pelaksanaan pakej menyelamat AS$700 bilion oleh AS, sepatutnya menyebabkan nilai dolar AS susut berbanding mata wang utama global lain, tetapi perkara itu tidak berlaku, kerana sebilangan bank pusat utama global khususnya Eropah dan Jepun serta pelabur institusi menarik keluar pelaburan dari seluruh dunia untuk menampung kejatuhan mata wang itu," katanya.

Tindakan itu, katanya, bagi menghalang penyusutan berterusan nilai dolar AS kerana ia dikhuatiri akan mengheret sistem kewangan negara lain ke dalam kegawatan.

"Dolar AS adalah mata wang rizab antarabangsa. Jika dolar AS 'tumbang', maka ia akan mengheret banyak negara lain yang memiliki aset berasaskan dolar seperti Eropah, Jepun dan China ke dalam masalah kewangan.

"Sementara itu, kebanyakan bank pusat utama global ketika ini memiliki rizab yang besar dalam mata wang dolar AS. Ini menyebabkan mereka terus mempertahankan mata wang itu meskipun langkah itu dijangka tidak akan bertahan lama," katanya.

Ketua Ahli Ekonomi, CIMB Investment Bank Bhd, Lee Heng Guie, pula berkata, jangkaan pertumbuhan ekonomi lebih perlahan di Asia, menyebabkan aliran keluar modal asing dari rantau ini.

"Penarik keluar modal dibuat kerana ada jangkaan bahawa krisis kewangan AS akan berpanjangan dan belum ada tanda ia akan berakhir, sekali gus menyebabkan prospek pertumbuhan negara Asia menjadi lebih malap daripada sebelumnya," katanya.

Edited by Etiqa

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Insyaallah..aku berpegang kpd kata2 menteri nie in relation to global economic woes..aku urge sesapa yg berminat,ayuh..melabur la skg..

Malaysia diyakini tidak meleset - Nor Mohamed

Nor Mohamed Yakcop

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DUBAI 9 Okt. - Malaysia akan terus mencatat pertumbuhan positif bagi tahun ini dan 2009 dan tidak menuju kemelesetan, kata Menteri Kewangan Kedua, Tan Sri Nor Mohamed Yakcop.

Bagaimanapun, katanya, ketika kerajaan yakin terhadap pencapaian pertumbuhan 5.7 peratus tahun ini, sasaran 5.4 peratus bagi tahun depan akan terpaksa dikira semula kerana kegawatan kewangan global.

"Kita percaya kita boleh mengharungi krisis ini sungguhpun kita tidak boleh berpuas hati dan terpaksa sentiasa berwaspada dalam konteks kegawatan yang berubah setiap hari," katanya kepada pemberita Malaysia petang semalam semasa majlis koktel bersempena acara Cityscape Dubai yang sedang berlangsung di sini.

Beliau menghadiri Mesyuarat Menteri-menteri Kewangan ASEAN yang diadakan di sini.

Nor Mohamed berkata, negara di seluruh dunia akan menerima kesan kegawatan kewangan global, bergantung kepada lama dan tahap kemelesetan di Amerika Syarikat dan Eropah.

Menurutnya, inflasi tidak lagi merupakan kebimbangan besar bagi Malaysia.

Katanya, inflasi menjadi kebimbangan besar beberapa bulan lalu, tetapi ia tidak lagi sekarang berikutan kejatuhan ketara dalam harga komoditi.

Nor Mohamed juga menegaskan bahawa Malaysia tidak mengalami krisis perbankan, dengan berada dalam persekitaran yang berbeza dengan AS dan Eropah kerana sistem perbankan negara ini terus kukuh dengan pinjaman yang tidak dijelaskan yang rendah dan nisbah modal wajaran risiko yang tinggi.

Ekonomi Malaysia, katanya kini dipelbagaikan dengan baik dengan eksport menyumbang kurang daripada 20 peratus dari pertumbuhan manakala penggunaan domestik dan pelaburan telah menjadi enjin pertumbuhan utama.

Nor Mohamed berkata, eksport Malaysia kini menuju pasaran yang lebih kepelbagaian, dengan lebih banyak barangan ke China dan India.

Eksport ke China telah meningkat kepada sembilan peratus daripada jumlah eksport berbanding dengan cuma dua peratus beberapa tahun lalu, katanya.

Beliau yakin bahawa kedua-dua China dan India akan mencatat pertumbuhan tinggi dan terus mengimport dari Malaysia.

Nor Mohamed berkata, apa yang Malaysia perlukan sekarang ialah mengekalkan keyakinan dan memastikan negara ini mengekalkan tahap keyakinan dan memastikan jaringan keselamatan sosiol turut membantu mereka yang mendapat kesusahan.

Krisis kewangan semasa, katanya turut menyediakan peluang bagi Malaysia, khususnya dalam perbankan Islam.

"Pada ketika seperti sekarang, apabila dana daripada Timur Tengah kerugian wang di AS dan Eropah, mereka akan digalakkan datang ke Malaysia yang merupakan salah satu daripada pusat perbankan Islam terbesar di dunia," kata Nor Mohamed.

Sebagai tambahan kepada pelaburan portfolio, katanya para pelabur Timur Tengah boleh juga melabur dalam projek pembangunan yang sedang dilaksanakan di Malaysia dan tidak sebaliknya membeli aset-aset ikon di AS dan Eropah yang telah pun mengalami banyak kerugian dari segi nilai.

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nie aku copy paste dpd Aini, full time UTC di Johor Bahru.komen beliau yg to me is good to read..comment org yg penuh ilmu di dada

I believe we all love our Malaysia too..

Setiap rakyat mahupun pemimpim.. masing2 memainkan peranan dalam menghadapi situasi ekonomi..

kite usaha, doa dgn sabar dan yakin.. yg Maha Esa akan memakbulkan doa kite..

Pada pendapat saya yg tak arif dalam ekonomi.. (tapi nak bagi pendapat gak.. )

situasi ekonomi negara kite sekrang ni masih dalam keadaan stabil.. cuma sedikit lembap..

walaupun eksport ke US dah menurun.. matawang ringgit menurun, pasaran saham BSKL menurun

pelabur asing dah kurang.. inflasi meningkat.. interest rate naik..

tapi kite masih ada pelabur dalam negara.. pelancong masih datang ke malaysia..

kite masih ada pembangunan.. kite masih ada sumber petrol & gas asli..

kite masih ada segalanya di tanah air Malaysia ni.. kite masih mampu membeli utk keperluan hidup..

dan paling penting.. kite masih boleh cari makan.. sama ada makan gaji mahupun berniaga

tapi adatlah.. ekonomi ni ada pasang surutnya.. kemampuan kite juga mungkin dah berkurangan..

kite tak boleh expect everything to be perfect all the time..

bermacam2 usaha kerajaan utk menstabilkan ekonomi negara kite..

dan pelbagai cara perlaksaan & langkah2 yg diambil utk kepentingan rakyat...

tanpa kite sedari yg selama ni... kite sudah pun menikmatinya dari dulu lagi..

mcm kata weta_studio.. economy still maintain lagi...

kerajaan menggalakan lebih ramai usahawan..

ramai org berniaga masa bulan puasa haritu dan ramai juga org yg membeli..

hatta interest rate naik, banyak jugak kereta baru keluar masa nak raya haritu..

harga barang naik, org tetap berbelanja utk berhari raya..

baju baru, kereta baru, perabot baru, hanphone pun nak baru tuh.... alahai...

so jelas sekali.. rantaian keperluan ni masih berjalan.. supply & demand still running well..

apa2 pun..sama2 la kite berdoa utk malaysia...

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Sharing Info...................

Golden of Rules Investing

1. Do not borrow to invest

2. Do not invest all your money

3. Do not invest money you need soon

4. Do not get emotional and panic

5. Do keep investing and stay invested

6. Do diversify

7. Do take professional advice :P

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Does long-term investing work when bourse swings wildly?

By Noripah Kamso

FUND managers, me included, are forever telling investors to expect returns over the long-term. Results may vary from year to year, but over the long-term you may expect about nine per cent to 12 per cent potential returns annually.

We like to say things like: “In a bad year, the downside can be 10 per cent or more†and “In a good year the upside could be as high as 15 per cent or moreâ€.

We also caution that risk and reward are inextricably intertwined, hence one should not expect to reap high returns without undergoing high risk and volatility.

However, we usually conclude, over the long-term it makes sense to invest in equities.

Now all that advice sounds good in theory but it’s hard to believe in it in reality when the market soars 26 per cent one year, then plunges 15 per cent another year, before swinging back up again. An investor wouldn’t be blamed for thinking, “This is madness! I don’t have the appetite for all these wild swings. What are those fund managers talking about?â€

I hope, in this article, to shed some light on the issue and show that there is a method to the madness after all. Let’s look at how the stock market has performed since it started in 1976, as measured by the Kuala Lumpur Composite Index (KLCI):

Interesting points to note from this data are (See chart):

# In its 31 years of existence, the KLCI has hit the magic nine per cent to 12 per cent return range exactly once

# In seven of those years, the KLCI lost more than 10 per cent

# In 14 of those years, the KLCI gained more than 15 per cent

# Therefore, in 21 out of its 31 years of existence, the KLCI has either really disappointed investors or made them extremely happy Going by this performance, it would seem as if fund managers don’t know what they’re talking about, because the stock market has either performed outstandingly well or very poorly.

It is true that in the majority of its years, the KLCI has been pretty volatile. That’s why we advise investing over the long term, to ride out the volatility that will happen from year to year.

If investors were to analyse the numbers from 1977 until 2007, they would be surprised to learn that the KLCI enjoyed annualised returns of 9.15 per cent per annum.

Well how about that? This figure lies within the magic range of nine per cent to 12 per cent annual returns. Analysis also shows that the KLCI has registered an average yearly return of 13.33 per cent since its inception.

It is very important that investors expect returns to fluctuate widely from year-toyear, and they should probably even welcome this volatility. It is the market’s erratic journey over the long term that enables investors to get the nine per cent to 12 per cent annualised returns range. This is why a fund manager can sound like a broken record sometimes because the ending of the story doesn’t change. The important thing to realise is this: in order to get to the end of the story one must begin it, by investing.

So, when is the best time to invest? In my view, it is in the investor’s best interest to invest as much and as close to the beginning of the year as possible. In fact, I would take that year-end bonus and just invest it straight away. And I’m not saying this just because I’m in the business of managing people’s funds.

The reason is very simple and clear: in 21 out of the last 31 years, the KLCI registered a positive return. Therefore funds invested at the beginning of every year would have yielded positive returns two out of every three years, or 67 per cent of the time.

Alternatively, investors should invest regularly whenever they can, either using the ringgit-cost averaging or value averaging methods, which I will explain in detail in a later article.

In conclusion, long term investing works because it rides out stock market volatilities to give the potential returns in the nine per cent to 12 per cent range. Investors should start investing to not miss out on these potentially attractive returns.

Datuk Noripah Kamso is the chief executive of CIMB-Principal Asset Management Bhd.

Source : http://www.btimes.com.my/Monday/OurP...010114/Article

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Nowadays, Unit Trust Consultant like me is not just handling investment and selling unit trust..we talk more and more focus about financial planning....

Summary TO YOUR RETIREMENT CHECKLIST

· Planning for retirement is a lifelong process. Determining your retirement needs by identifying your potential retirement expenses and sources of retirement income is an important step.

· Starting to invest early for retirement and contributing as much as possible to tax-advantaged retirement plans are ways to leverage your retirement nests.

· Determining an appropriate asset allocation -- how you divide your money among stocks, bonds, savings and cash -- is a time-tested strategy for helping you pursue your financial goal.

· It's essential to determine an appropriate annual withdrawal rate of your assets during retirement so you don't outlive your money.

· Developing an appropriate estate plan is the important final stage of crafting an effective retirement plan & legacy.

Checklist

· Try to accumulate enough emergency savings and insurance coverage so that you can address unexpected financial crises without spending money earmarked for retirement.

· Update beneficiary & nominations designations on all retirement accounts and other financial paperwork.

· Consider changing the date of your retirement if it would make it easier to retire with enough money for the future.

· Rebalance your retirement account's asset allocation as deemed necessary

Edited by Etiqa

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article menarik yang blh share..i copy paste from thread kirawang of forum cari.com.my :blush:

CREDIT CRUNCH :

MUSTAHIL BERLAKU DALAM EKONOMI ISLAM

http://jemaah-islam.blogspot.com

KRISIS KREDIT INI UMPAMA PENYAKIT SIPLIS

Pada zaman kegemilangan Islam, penyakit siplis tidak dijumpai dalam Negara Islam. Ia dikenali sebagai penyakit orang Eropah(European Man Disease). Ini kerana perlaksanaan hukum Islam memustahilkan penyakit ini merebak.

Begitu juga dengan krisis kredit in, ia mustahil berlaku dalam negara Islam. In kerana asas ekonomi Islam sama sekali berbeza dengan kapitalisme.Penyakit kronik ini akan membawa kepada ajal kapitalisme sebentar lagi.

KESAN TERHADAP US, EU DAN ASIA

Pengerusi Federal Reserve (FED), Ben S. Bernanke, dan Setiausaha Perbendaharaan Amerika Syarikat, Henry Paulson, mengumumkan US memerlukan bantuan antarabangsa untuk menangani krisis kredit yang sedang melanda. Malah mereka turut mengakui bahawa krisis ini telah melanda US sejak 14 bulan lepas. Ini memaksa FED melakukan bailout terhadap BEAR STEARN sebanyak US30billion, FANNIE MAE & INDY MAC (US200billion), AIG (US85billion) WALL STREET (US700billion). Perkembangan terbaru menunjukkan AIG, Lehman dan Wall Street memerlukan bantuan tambahan. US juga memberi amaran, sekiranya antarabangsa tidak turut serta membantu kesannya akan dirasakan keseluruh dunia. Malah krisis ekonomi dunia yang lebih teruk dari tahun 1930 mungkin terjadi jika ia tidak ditangani dengan baik.

Kesan ini sememangnya dirasakan diseluruh dunia.

Bursa saham Miscex Russia jatuh 19% secara mendadak dan merupakan tahap terendah dalam tempoh 2 dekad. Petunjuk bursa saham bagi 23 buah Negara mendapati ia telah turun sebanyak 30% ke paras terendah sejak tahun 1970. Di German kerajaan terpaksa memberi bantuan sebanyak USD68billion untuk menyelamatkan Hypo Real Estate. Manakala kerajaan Perancis menyuntik 6.4billion Euro terhadap Belgian Bank. Manakala banyak lagi bank-bank Eropah yang sedang tenat seperti Fortis, ING(Belanda), KBC (Belgium), Natixis(Perancis) dan UniCredit (Itali). Dalam masa US menuntut kerjasama Eropah, pemimpin EU tidak henti-henti menyalahkan US dan menuntut US bertanggungjawab.

Tabung Kewangan Antarabangsa (IMF), menyatakan Asia akan menerima kesan dari krisis kredit ini kerana Asia adalah pengeluar produk utama kepada US dan Eropah.

Walauoun memiliki rizab tukaran asing sebesar USD3trillion dan kadar simpanan yang relative tinggi berbanding Eropah dan US, negara-negara Asia turut terhimpit akibat dari krisis kredit ini, Pasaran saham merudum teruk dari Tokyo hingga ke Mumbai. Paling menakutkan sedikit masa lagi adalah penarikan keluar modal syarikat Eropah dan US untuk menampung kerugian mereka yang berkemungkinan besar menyebabkan kegawatan ekonomi yang lebih parah berbanding 1998. Reuters melaporkan Malaysia antara negara yang dijangka akan menerima kesan teruk kerana 1/3 hutang Malaysia adalah dibuat oleh pelabur asing. Pelabur-pelabur asing ini telah mula menarik modal mereka keluar yang dijangka mengakibat ramai yang akan dibuang kerja dan kegawatan ekonomi.

KRISIS ADALAH LUMRAH KAPITALISME

Dr. Thahir Abdul Muhsin Sulaiman menyebut krisis dalam system ekonomi kapitalisme memang bersifat suatu kitaran. Ertinya perrtumbuhan ekonomi yang terjadi hanyalah putaran menuju puncak dan akan jatuh ke lembah krisis kembali.

Harry Shutt dalam Destroy of Capitalisme(2005) menyebut bahawa kapitalisme kini sedang mengalami gejala-gejala utama kegagalan secara sistemik. Misalnya semakin pertumbuhan ekonomi yang semakin lesu dan semakin sering terjadinya krisis kewangan.

Jurubicara Hizbut Tahrir Indonesia, Ustaz Ismail Yusanto pula menyebut sistem sistem ekonomi kapitalisme sebagai self-destructive(menghancurkan diri sendiri)

BAGAIMANA KRISIS KREDIT INI BERMULA?

Di Amerika Syarikat, jumlah mereka yang tidak mampu membeli rumah adalah terlalu ramai. Wujudnya terlalu ramai orang yang tidak layak meminjam(sub prime) ini telah memberi kesan buruk kepada sektor hartanah, perbankan, pembinaan dan insurans sehingga satu tahap kritikal sekitar 1990an. Untuk itu US mula membenarkan golongan sub prima ini membuat pinjaman untuk membeli hartanah tetapi dengan kadar faedah dan perlindungan insurans yang sangat tinggi.

Kesannya, harga hartanah tadi melambung berkali ganda. Kemudian mereka malah menerbitkan bon dari hutang-hutang sub prima tersebut. Maka nilai non real hartanah terus meningkat sehingga ia menjadi trend di US. Di satu sisi sektor hartanah, perbankan dan insurans kelihatan perkembang. Hakikatnya adalah seperti data Moody’s ratio of Credit Downgrades to Upgrades adalah pola kredit perbankan yang semakin menurun sejak 1993 yang membahayakan sektor perbankan itu sendiri.

Krisis sub prima ini mula dirasakan sejak 2007, apabila mereka tidak mampu membayar hutang bon-bon yang diterbitkan dan bank tidak mampu untuk memberikan pinjaman untuk pembiyaan semula. US cuba menangani krisis ini dengan membuat spekulasi terhadap pasaran hadapan komoditi seperti bahan makanan dan bahan api untuk menjual lebih banyak dollar tetapi hanya berjaya buat seketika.

Dalam masa yang sama, krisis sub prima mencapai takat didih sehingga bank tidak cukup kredit. Permasalahan paling kritikal adalah nilai real hartanah yang dijadikan bon adalah terlalu kecil berbanding bon yang dikeluarkan. Tentunya bank hartanah seperti Indi Mac, Fannie Mae dan Lehman Brothers paling teruk menerima kesannya, diikuti syarikat inusrans terbesar dan merebak ke pasaran saham Wall Street. Sekarang, krisis yang bermula di Negara Uncle Sam ini telah merebak ke seluruh dunia.

KRISIS KREDIT MUSTAHIL BERLAKU DALAM EKONOMI ISLAM

1)Perbezaan fundamental adalah Islam memandang matawang sebagai alat tukaran sedangkan kapitalisme memandang matawang komoditi dagangan.

2) Sistem matawang Islam adalah bersandarkan emas dan perak. Sedangkan kapitalisme hanyalah fiat money yang hampir tiada sandaran emas. Kapitalis telah menerapkan sistem matawang bersandarkan hutang (debt based moneytary system) yang membolehkan mereka menjana wang dari hutang yang mana ia dijadikan asas ekonomi.

3) Islam melarang riba sedangkan faedah adalah asas bagi sistem matawang bersandarkan hutang yang telah diterapkan sejak 1973 hingga kini.

4) Dalam Islam tiada perkongsian non real sebagaimana sektor non real yang mendominasi ekonomi kapitalisme yang lahir dari spekulasi.

__________________

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One very good article dalam akhbar Berita harian hari nie..bole refer link di bawah utk tatapan penuh.

bacalah dgn penuh keinsafan..saya full time Unit Trust Consultant bersedia membantu anda sekiranya anda berminat nak melabur atau nak joint us in Public Mutual

servis saya bole cover whole malaysia.. :blush:

http://www.bharian.com.my/Current_News/BH/...011611/Article/

7 kesilapan lazim dalam mengurus wang

JIKA anda bercadang mengukuhkan kedudukan kewangan, anda mesti mengenal pasti terlebih dulu kesilapan pengurusan kewangan yang lazim dilakukan supaya anda dapat belajar daripadanya.

Gagal Merancang

Alasan yang selalu diberikan oleh mereka yang tidak merancang kewangan ialah "Saya sibuk dengan kerja dan keluarga hingga tidak sempat untuk menguruskan kewangan saya".

Sebenarnya, walaupun anda hanya tergolong dalam golongan berpendapatan sederhana, tabiat `merancang kewangan' akan membolehkan anda menjadi seorang berjaya mengumpul kekayaan di kemudian hari kelak.

Berbelanja Melebihi Kemampuan

Dewasa ini, kita sering berbelanja melebihi kemampuan akibat desakan rakan dan juga iklan di sekeliling kita. Ramai yang sanggup menghabiskan wang semata-mata untuk mengikut arus peredaran masa dan tidak mahu dianggap ketinggalan zaman.

Akibatnya, ramai yang hanya mempunyai baki yang amat sedikit dalam akaun bank di hujung bulan selepas ditolak bayaran pelbagai pinjaman, kad kredit, bil dan sebagainya.

Berbelanja Menggunakan Kad Kredit

Tabiat beli dulu dan bayar kemudian adalah perkara biasa dewasa ini. Hampir setiap orang mempunyai sekurang-kurangnya satu kad kredit. Malah, ramai yang memiliki lebih daripada satu kad.

Dengan bayaran minimum setiap bulan, ramai yang akan berpotensi untuk terus berbelanja. Mereka tersalah anggap mengenai bayaran minimum terbabit, dan tidak menyedari bahawa lama kelamaan ia akan menjadi hutang yang menggunung di kemudian hari.

Jika tersilap langkah, tidak mustahil anda juga boleh menjadi muflis akibat tabiat sedemikian. Justeru, pastikan anda menggunakan kad kredit secara berhemat.

Lewat Menabung Untuk Hari Tua

Untuk memulakan persaraan, kita mesti memastikan yang kita mempunyai wang mencukupi bagi menampung gaya hidup yang diinginkan selepas bersara. Bagaimanapun, masih ramai terutama mereka yang sudah hampir bersara, masih bergelut untuk mencapai jumlah simpanan diperlukan.

Sepatutnya, setiap kali gaji naik, simpanan kita turut naik. Sebaliknya, apa yang berlaku adalah setiap kali gaji naik, perbelanjaan pula yang bertambah.

Melabur dalam Produk yang Tidak Bersesuaian

Terdapat pelbagai produk pelaburan di pasaran. Untuk memastikan kita melabur dalam produk pelaburan yang menepati profil risiko dan ganjaran yang diinginkan, kita memerlukan ilmu pengetahuan mengenai selok-belok pelaburan. Justeru, pastikan anda meneliti ciri sesuatu produk pelaburan berkenaan dan mengkaji kumpulan pengurusannya sebelum melabur.

Tidak Menabung untuk Waktu Kecemasan

Sesetengah orang beranggapan yang membeli insurans adalah perbuatan membazir wang. Tetapi tahukah anda bahawa tanpa insurans, kedudukan kewangan kita akan tergugat terutama jika kita hilang pendapatan/pekerjaan.

Tanpa insurans atau wang simpanan, seluruh keluarga akan merana dan ketika itu juga agak terlambat untuk memikirkan bagaimana ingin mencari sumber pendapatan yang lain dengan kadar segera.

Terlampau Memikirkan Pasal Wang

Dalam usaha memupuk tabiat merancang kewangan, janganlah pula terlampau taksub mengumpul kekayaan sehingga lupa akan perkara lain yang amat bermakna dalam hidup kita seperti keluarga, kesihatan, kepuasan berkarier serta rakan dan taulan.

Akhir sekali, kita perlu sentiasa mengingatkan diri mengenai kepentingan merancang kewangan. Jika kita tidak bersungguh-sungguh dalam membina kekayaan dan menguruskan kewangan, besar kemungkinan kekayaan tidak akan berpihak kepada kita.

Edited by Etiqa

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Note: Inflation rate now is 8% ++

Sumber dpd http://www.fundsupermart.com.my/ ... TML.tpl?articleNo=5

Don’t rely on your EPF

Many Malaysians believe their retirement can be funded by their Employee Provident Funds (EPF) savings. This is unrealistic. By relying solely on your EPF savings, you underestimate the amount needed to retire and overestimate how much you can withdraw once retired.

Malaysia’s pension scheme is meant to provide contributors with the basic necessities. Unless you plan to make drastic lifestyle changes after you retire, there is a big chance of exhausting all your funds in just a few years, with escalating living costs and increased longevity.

Living on a quarter of your income

The amount that we have in our respective EPF accounts depends on how much we make. For salaried employees, the mandatory contribution rate to the country’s pension fund is 23% of the employee’s monthly salary; 12% is contributed by the employer and the rest is deducted from the individual’s pay.

At age 55, contributors can opt to take the sum along with annual EPF dividends declared to finance the rest of their life. Any withdrawals made before this age, such as to buy a property or pay for medical and educational expenses, will reduce the amount that you receive at retirement age.

All things being equal, with a monthly contribution of 23%, those relaying solely on EPF funds for their retirement will have to live on slightly less than a quarter of their current income every month. Is it possible to live frugally on this sum?

Even EPF officials have consistently highlighted the need for contributors to supplement their retirement funds with other sources of income. According to Deputy Finance Minister Datuk Seri Ahmad Husni Hanadiah, the average Malaysian will have approximately RM120,000 in their EPF account at the age of 55. This amount provides the retiree with RM500 a month to live on for 20 years.

While it can be argued that this meagre sum can be stretched to provide for basic necessities (families earning this amount are classified “hardcore poor†and are eligible for government aid), it is not sufficient to provide for those that live beyond the age of 75.

Inflation Surpasses Returns

Inflation is another reason why you should not depend solely on your EPF funds for your retirement. Inflation pushes up the cost of living. At the very core, inflation means we have to pay more for the same amount (and quality) of goods and services consumed. It eats away the value of your EPF funds. For example, a yearly 5% dividend declared by EPF translates to a real return of 1% if inflation for that particular year averages out at 4%.

As shown in Table 1, the EPF’s annual dividends have been just slightly more than the country’s inflation rate, which is measured by the consumer price index (CPI).

However, one criticism of the CPI is that it does not reflect the actual consumption patterns of different regions and different income groups. This is could be due to controlled prices for a generic brand of several items in the CPI’s basket of goods and services, including cooking oil, white bread and rice. Controlled prices do not reflect actual market prices paid by the majority of Malaysians, especially those living in cities.

Revisions to the CPI basket are also infrequent - the last revision was in 2005. Recognising these shortcomings, the government reportedly reassessed the composition of the CPI and is considering publishing separate inflation rates for urban and rural areas.

CPI is also a poor reflection of inflation experienced by individuals. In June 2008, the CPI jumped to a 26-year high of 7.7%. However, in reality, most people experience a jump in prices which exceed 7.7%. It is more likely that the good and services purchased, especially in the urban areas, reflect the 40% increase in fuel prices and the 18% increase in electricity tariffs.

As more and more producers start passing down rising transportation cost to consumers, we believe inflation will continue at higher levels for some time. This will eat into the value your EPF savings, especially if annual returns declared for this year do not surpass 5.7%, the estimated inflation rate for 2008.

What Can Be Done

The first step is to stop depending on the EPF. Take responsibility for your retirement and invest with a clear goal in mind. The objective is to invest in assets such as equities that have historically been able to provide inflation-beating returns.

To get started, here are some tips

1. Invest now

The sooner you start investing, the sooner you start building your wealth. Take a long-term view and invest small sums over a long period.

2. Take a look at how much you will need to retire

This is, at best, a guesstimate of the expenses that you will incur when retired. Aim for a higher percentage of your current income, for example 65% to 80% of what you are earning now to sustain the same lifestyle once you stop earning.

3. Diversify.

This can be easily done with unit trust funds. It is possible to invest your EPF funds in approved local funds but your selected investments must make better returns than EPF’s annual dividends. However you still need to diversify your portfolio with different asset classes and geographical coverage.

4. No matter what happens

whether the market falls or climbs - always keep retirement as a financial goal and stay invested.

Edited by Etiqa

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Mungkin boleh jadi panduan untuk semua consultants yg masih baru dlm biz nie...Sam Walton 10 Rules of Building a Business :rolleyes:

Rule 1 - Commit to your business.

Believe in it more than anybody else. If you love your work, you’ll be out there every day trying to do it the best you possibly can, and pretty soon everybody around will catch the passion from you like a fever.

Rule 2 - Share your profits with all your associates, and treat them as partners.

In turn, they will treat you as a partner, and together you will all perform beyond your wildest expectations. Remain a corporation and retain control if you like, but behave as a servant leader in a partnership

Rule 3 - Motivate your partners.

Money and ownership alone aren¡¯t enough. Constantly, day-by-day, think of new and more interesting ways to motivate and challenge your partners. Set high goals, encourage competition, and then keep score.

Rule 4 - Communicate everything you possibly can to your partners.

The more they know, the more they’ll understand. The more they understand, the more they’ll care.

Rule 5 - Appreciate everything your associates do for the business.

A paycheck and a stock option will buy one kind of loyalty. But all of us like to be told how much somebody appreciates what we do for them.

Rule 6 - Celebrate your successes.

Find some humor in your failures. Don’t take yourself so seriously. Loosen up, and everybody around you will loosen up. Have fun. Show enthusiasm - always. When all else fails, put on a costume and sing a silly song.

Rule 7 - Listen to everyone in your company.

And figure out ways to get them talking. This really is what total quality is all about. To push responsibility down in your organization, and to force good ideas to bubble up within it, you must listen to what your associates are trying to tell you.

Rule 8 - Exceed your customers expectations.

If you do, they’ll come back over and over. Give them what they want ¡ª and a little more. Let them know you appreciate them

Rule 9 - Control your expenses better than your competition.

This is where you can always find the competitive advantage

Rule 10 - Swim upstream.

Go the other way. Ignore the conventional wisdom. If everybody else is doing it one way, there’s a good chance you can find your niche by going in exactly the opposite direction.

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How to Excel as a Part Time Consultant

Set a Goal, Target on Sales, Commission, Recruitment & Rank

If possible, do plan for sales budget/target sales generation. Do it as Yearly Goal and/or Monthly Goal and/or Weekly Goal and/or Daily Goal. All Goals must be planned and written down.

The target will indirectly motivate you to go for it. Only then, the CONSISTENT attitude will come.

Example of my goal setting (when I was part time consultant)… :blush:

Talk to everybody about UT Investment at least 2 persons per day

Make appointment and Meet customer at least one in a day

Target closed sales minimum RM 10K (via epf or cash) a week (10K x 4 weeks x 12 months=RM 500,000 per year)

Time Management

Use every available time

Coffee break: 20 mins/day X 5 days/wk X 50 wks/year = 800 mins = 83 hrs = 10 days = 1/3 months pay

Lunch : 1 hr/day X 5 days/wk X 50 wks/year = 250 hrs = 31 days = 1 month pay

Evening = 3 hrs/day X 5 days/wk X 50 wks/year = 750 hrs = 93 days = 3 months pay

15 mins reading time,30 mins planning,5 mins visualization,1 day rest day for the loved ones

Getting Leads

Talk to 2 people a day

Referral from clients ( but at first, u must established the relationship with them, provide good service after sales) ;)

Attend road shows when u free (by participating in the roadshows, u are exposing urself to cold market.) :P

Motivation

Read Motivational/Sales related Books,

watch CDs/Tapes, (or watch inspiring movies such as The Pursuit of Happyness, Men of Honor etc.)

listen to Positive Friends/Team/Uplines,

Imagine/dream your success and attend a lot trainings and Seminars

look towards your family members in the future..for sure u want to give them a better lifestyle rite... B)

Edited by Etiqa

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Nie adalah simplify one good article yg aku extract from PM magazine..just wanna share with newbies dan those yg berminat nak menceburi this biz. cool.gif


7 Peraturan vs Perkara yg tidak boleh di lakukan ketika “meeting” dgn pelanggan-pelanggan anda

Peraturan #1 Menjalin hubungan dahulu, Meminta Rujukan kemudian

Jangan menjual produk dan perkhidmatan sebelum anda menjalin perhubungan. Kenali mereka terlebih dahulu sebelum Menyogokkan hujah-hujah jualan anda kepada mereka. Sentiasalah bersikap sabar dan ikhlas.

Pelanggan-Pelanggan anda hanya mengesyorkan org yg mereka percayai kepada keluarga dan rakan-rakan mereka.

Oleh itu berusahalah untuk membina hubungan yang kukuh dengan mereka. Pupuklah hubungan itu dan selepas itu, rujukan akan datang dengan sendirinya

Peraturan #2 Jangan bercakap tentang soal agama..ia soal peribadi

Terutama kepada mereka yg bukan se agama dgn anda. Jgn cuba menyangkal pegangan mereka. Sebarang provokasi beerti anda melangkaui sempadan, walhal anda berjumpa dgn mereka utk memaklumkan tentang pelaburan unit amanah anda.

Peraturan #3 Jangan mendiskriminasi

Isu Bangsa seseorang tidak patut di persoalkan. Walau apa pun perasaan tidak puas hati anda tentang isu-isu tertentu, pendamkan sahaja


Peraturan #4 Jangan Sentuh Soal Politik

Soal Politik tidak perlu di perbincangkan sangat walaupun ia merupakan salah satu faktor yg mempengaruhi prestasi pasaran pelaburan.

Org yg meminati isu nie, they are very fanatic dan jika pendapat anda berbeza, they might turn to be your provokator and subsequently loss biz nie..Biarkan ahli politik sahaja yg bercakap tentang politik but u is a UTC.

Peraturan #5 Jangan merokok – Kurang sopan

Org yang anda berjumpa itu mungkin alah pada asap rokok dan jika tidak pun, dia mungkin bukan perokok dan tidak suka udara bersihnya dicemari asap rokok anda. Tanpa asap rokok pun, persekitaran sudah cukup tercemar. Kalau anda perlu merokok, buat la selepas perjumpaan.

khusus utk rrajasa, throttlebody dan herwan..jgn merokok time berdiscuz

Peraturan #6 Jangan merendah-rendahkan pelanggan anda

Sentiasa mengandaikan pelanggan2 anda bijak belaka. Bercakap mengikut tahap kebijakpandaian dan kebolehan mereka. Jangan sesekali bercakap seolah2 anda mengajar mereka melakukan sesuatu atau lebih teruk lagi, ingat mereka *****

Buat sedikit assumption, sekiranya mereka berpangkat tinggi, maka tidak perlulah anda menerangkan konsep amanah saham..straight to the point

Peraturan #7 Jangan menyebut nama org yg terkenal

Menyebut nama org yg terkenal tidak membantu proses jualan anda. Ini tidak membuatkan anda di sayangi pelanggan2 anda atau bakal2 pelanggan sebaliknya mereka ingat anda hendak menunjuk. Contoh’ minggu depan saya nak jumpa Tan Sri” etc.

Sebenarnya pelanggan anda tidak peduli samada jaringan kenalan anda terdapat org yg terkenal atau tidak.

Apa yg mereka titikberatkan ialah, tahap professional anda dlm pengurusan pelaburan mereka, bagaimana anda dpt menolong mereka mencapai objektif pelaburan mereka.

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Saya telah menukar display name saya dpd etiqa kpd PeR_Waris...

INi bertujuan untuk menyelaraskan penglibatan saya dlm forum2 dlm internet agar guests, prospek pelabur mengenali saya based on 1 identiti sahaja...

just sbg panduan, sy bole dijumpai di forum carigold.com dan forum cari.com (nick name = amirul_nazri, kat forum nie takleh change la plak)

TQ
blush.gif

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