frannez 0 Report post Posted September 23, 2007 Dar..overdraft facilties mmg disediakan pada pelabur..1.margin for OD up to 80% dr jumlah pelaburan.2.interest charge = BLR + 1.75% i.e 6.75% + 1.75 = 8.5% p.a3.interest charge hanya dikenakan pada amaun yg digunakan4.minimum OD rm10,000 ; max rm500,000 Contoh:Invest in unit trust rm200,000 @ rm 1.00 = 200,000 units1)Margin for OD 80% = rm200,000 * 80% = rm160,0002)Interest chargeLet say investor used rm50,000 and want to pay within 30 daysrm50,000 * 8.5% / 365 days = rm11.64 per dayrm11.64 * 30 days = rm349.20Untuk info lanjut pasal OD in unit trust bole contact saya 012 6720978 Quote Share this post Link to post Share on other sites
frannez 0 Report post Posted September 24, 2007 morning all..KLCI pagi ini... Quote Share this post Link to post Share on other sites
frannez 0 Report post Posted September 24, 2007 KLCI nampak ok hari ni.. Quote Share this post Link to post Share on other sites
dar 0 Report post Posted September 24, 2007 (edited) Dar..overdraft facilties mmg disediakan pada pelabur..1.margin for OD up to 80% dr jumlah pelaburan.2.interest charge = BLR + 1.75% i.e 6.75% + 1.75 = 8.5% p.a3.interest charge hanya dikenakan pada amaun yg digunakan4.minimum OD rm10,000 ; max rm500,000 Contoh:Invest in unit trust rm200,000 @ rm 1.00 = 200,000 units1)Margin for OD 80% = rm200,000 * 80% = rm160,0002)Interest chargeLet say investor used rm50,000 and want to pay within 30 daysrm50,000 * 8.5% / 365 days = rm11.64 per dayrm11.64 * 30 days = rm349.20Untuk info lanjut pasal OD in unit trust bole contact saya 012 6720978 Hmmm... Interesting...But margin low and interest on the high side...Soalan tambahan:1. bank apa yang menyediakan OD ini?2. Interest adalah Real Daily rest atau Daily rest monthly compounded?3. How long is the process, from Cash Rm200,000.oo to purchase Unit trust unit, creation/approval of OD account and disbursement of credit into OD account?4. Is there any service charge for creation of OD Account and maintenance of account?Thanks Edited September 24, 2007 by dar Quote Share this post Link to post Share on other sites
frannez 0 Report post Posted September 24, 2007 Hmmm... Interesting...But margin low and interest on the high side...Soalan tambahan:1. bank apa yang menyediakan OD ini?2. Interest adalah Real Daily rest atau Daily rest monthly compounded?3. How long is the process, from Cash Rm200,000.oo to purchase Unit trust unit, creation/approval of OD account and disbursement of credit into OD account?4. Is there any service charge for creation of OD Account and maintenance of account?Thanksdar..setiap bank menyediakn mmg menyediakan perkhidmatan OD ni..klo melabur dalam unit trust public mutual sy suggest anda buat OD dgn Public bank..berkenaan interest tu sy da explain seblum ni..n how long is the process take n misc service charge i advise u to seek information tru public bank itself..eventhough there is service charge 8.5% p.a act u still in profit when u doing OD coz average return for our fund is 15% above (for equity fund) Quote Share this post Link to post Share on other sites
dar 0 Report post Posted September 24, 2007 dar..setiap bank menyediakn mmg menyediakan perkhidmatan OD ni..klo melabur dalam unit trust public mutual sy suggest anda buat OD dgn Public bank..berkenaan interest tu sy da explain seblum ni..n how long is the process take n misc service charge i advise u to seek information tru public bank itself..eventhough there is service charge 8.5% p.a act u still in profit when u doing OD coz average return for our fund is 15% above (for equity fund) Ala... engkau kan dari satu group dengan Public Bank... Takkan tak boleh dapat info ni..Nak tanya kat Public bank boleh... tapi engkau yang promote MUtual fund... bagi la... complete servicekalau nak suruh pergi tanya Public bank branch... sapa pun boleh cakap...yang interest tu tak jawab sepenuhnya lagi... Memang daily rest.. Daily rest yang macam mana?Profit dengan interest 8.5%, tapi kena ingat OD tu kena service interest montly atau daily (bergantung daily interest yang macam mana) tu...Lepas tu margin OD adalah 80% daripad total Mutual fund... Dah kurang lagi tu...Lepas tu average return macam diberitahu is not fix, tapi interest dah fix selagi BLR stay at 6.75%Lagi satu, Mutual fund ada charge utk beli, jual dan maintenance...Sebab itu tanya kalau diconvert jadi OD.. adakah charge jual, mtce masih dikenaan dan ada charge lain ke???Taknak nanti bila nak buat atau dah buat... kena macam-macam charge pulak...yang paling penting... time to process tu... taknaklah dari bagi cash sampai boleh guna OD... ambik masa dua bulan... kacau la...Hmmm.... saya tanya adalah kerana nak tengok advantage Mutual Fund utk dijadikan OD facilitiesKalau menarik nak invest jugak... sebab ASB saya dah max... Quote Share this post Link to post Share on other sites
frannez 0 Report post Posted September 25, 2007 bro..ni tambahan info dr post sy pasal ODContoh:Invest in unit trustrm200,000 @ rm 1.00 = 200,000 units1)Margin for OD 80% = rm200,000 * 80%= rm160,0002)Interest chargeLet say investor used rm50,000 and want to pay within 30 daysrm50,000 * 8.5% / 365 days = rm11.64 per dayrm11.64 * 30 days = rm349.203)Upon settlementa)if the price increase to rm1.50=200,000 units * rm1.50 = rm300,000=return 50%b)if price decrease to rm0.65=200,000 units * rm0.65 = rm130,000(call margin)4)Call margin 85%- a situation where the investor must top-up the capital (rm160,000) when the value is below a certain rate (85%)rm160,000 * 85% = rm136,000if the current value is rm130,000rm136,000 - rm 130,000 = rm 6,000 (investor must topup the difference)berkenaan brp lame masa diambil utk approve OD biasanya dalam 2 minggu dr awal purchase unit sehinggalah kepada disbursement into OD acc....btw check ur PM.. Quote Share this post Link to post Share on other sites
frannez 0 Report post Posted September 25, 2007 Morning all..ni aku pastekan senarai harga fund public mutual.. Quote Share this post Link to post Share on other sites
frannez 0 Report post Posted September 25, 2007 Bursa Malaysia ditutup tinggiUtusan MalaysiaKUALA LUMPUR 24 Sept - Harga saham di Bursa Malaysia ditutup lebih tinggi hari ini disokong oleh kegiatan membeli semasa saham berharga murah bagi saham-saham mewah, kata para peniaga.Mereka berkata saham tempatan kekal dalam lingkungan negatif untuk hampir sebahagian sesi pagi tetapi kegiatan membeli semasa saham berharga murah pada sesi tengah hari membantu pasaran mengakhiri hari dagangan dengan lebih tinggi.Seorang peniaga berkata mata wang tempatan yang lebih teguh dan pengukuhan pasaran saham global menggalakkan pasaran tempatan untuk naik.Pada pukul 5 petang, KLCI menokok 11.30 mata kepada 1,317.24. Ia dibuka 1.76 mata lebih tinggi pada 1,307.7.Indeks Papan Kedua naik 0.55 mata kepada 104.54, Indeks Perusahaan menokok 25.86 mata kepada 2,601.67 dan Indeks Kewangan melonjak 43.45 mata kepada 10,560.8.Bagi siri Indeks FTSE-BM, FBMEmas naik 19.71 mata kepada 8,814.21 dan FBM30 menambah 91.15 mata kepada 8,352.80.Saham untung mengatasi rugi pada 515 berbanding 314 manakala 249 saham tidak berganjak, 305 tidak didagangkan dan 24 digantung.Jumlah dagangan meningkat kepada 1.145 bilion saham bernilai RM1.828 bilion berbanding dengan 1.120 bilion saham bernilai RM1.715 bilion pada Jumaat lepas.Antara saham paling aktif, Iris turun satu sen kepada 23.5 sen manakala SINOPEC-C1 tidak berubah pada 17.5 sen.Golden Plus turun 53.0 sen kepada RM1.63, BOC-C1 naik tiga sen kepada 16.0 sen dan PETROCH-C1 menokok sembilan sen kepada 37.0 sen.Antara saham berwajaran berat, Maybank naik 10 sen kepada RM11.20, Tenaga menokok 45 sen kepada RM9.85 manakala Bumiputra-Commerce susut 20 sen kepada RM11.MISC dan Telekom masing-masing tidak berganjak pada RM9.80 dan RM9.55, manakala Public Bank menokok lima sen kepada RM9.55.Bursa Malaysia meningkat RM1.10 kepada RM11.20 dan Gamuda menambah 55 sen kepada RM8.60.Jumlah dagangan di Papan Utama susut kepada 626.844 juta saham bernilai RM1.647 bilion berbanding dengan 681.340 juta saham bernilai RM1.564 bilion pada Jumaat lepas.Jumlah dagangan di Papan Kedua meningkat kepada 67.647 juta saham bernilai RM55.154 juta daripada 58.402 juta saham bernilai RM38.533 juta sebelumnya.Jumlah dagangan di Pasaran Mesdaq turun kepada 102.450 juta saham bernilai RM52.055 juta berbanding 212.192 juta saham bernilai RM78.177 juta yang dicatatkan pada Jumaat lepas.Waran panggilan bagaimanapun melonjak kepada 348.117 juta saham bernilai RM73.131 juta berbanding 168.236 juta saham bernilai RM33.843 juta sebelumnya.Niaga janji perniagaan langsung menambah kepada 81.523 juta saham bernilai RM61.376 juta daripada 79.235 juta saham bernilai RM166.641 juta.Mengikut sektor, barangan pengguna menguasai 18.102 juta saham yang didagangkan di Papan Utama, barangan perusahaan 43.527 juta, pembinaan 77.976 juta, dagangan dan perkhidmatan 153.685 juta, teknologi 3.788 juta, infrastruktur 30.867 juta, kewangan 87.650 juta, hotel 8.645 juta, hartanah 130.871 juta, perladangan 37.778 juta, perlombongan 33,300 saham, REITS 2.148 juta, tertutup/dana 197,800, ETF 688,000 dan pinjaman 30.888 juta. - Bernama Quote Share this post Link to post Share on other sites
sixx 0 Report post Posted September 26, 2007 aku berminat nak invest yg monthly. boleh bg suggestion? Quote Share this post Link to post Share on other sites
slymer 0 Report post Posted September 26, 2007 Aku ada gak baca2 penjelasannya skit di awal2 page 1..tp sbnarnya aku x berapa jelas..aku baru td 26/09/07 pagi td melabur RM 5k kat kwn aku..so dia bwk aku pg public bank dan bank in duit aku tuh..sbnarnya aku main labur je sedangkan aku skit pn xpaham..jadi dgn 5k tuh.. berapa yg aku dpt bila genap setahun 26/09/08 nnti ..?aku btul2 xtahu lansung... Quote Share this post Link to post Share on other sites
frannez 0 Report post Posted September 26, 2007 aku berminat nak invest yg monthly. boleh bg suggestion?mozou..check ur pm! Quote Share this post Link to post Share on other sites
frannez 0 Report post Posted September 26, 2007 Aku ada gak baca2 penjelasannya skit di awal2 page 1..tp sbnarnya aku x berapa jelas..aku baru td 26/09/07 pagi td melabur RM 5k kat kwn aku..so dia bwk aku pg public bank dan bank in duit aku tuh..sbnarnya aku main labur je sedangkan aku skit pn xpaham..jadi dgn 5k tuh.. berapa yg aku dpt bila genap setahun 26/09/08 nnti ..?aku btul2 xtahu lansung...slymer..kenapa ko x tanya kawan ko tu terang2 seblum melabur?ko tau x fund ape die invest kan ko?berapa units ko dapat?berpa hrga per unit?seme tu basic ko kene tau..aku pun x tau fund ape yg ko invest.kalo tau bole la aku buat calculation investment ko..nasihat aku ko tanya balik kawan ko tu..make sure die monitor investment ko.. for ur own good Quote Share this post Link to post Share on other sites
frannez 0 Report post Posted September 27, 2007 KLCI mantap pagi ini... Quote Share this post Link to post Share on other sites
frannez 0 Report post Posted September 28, 2007 KLCI terus mantap dari hari ke hari.. Quote Share this post Link to post Share on other sites
ola oli 0 Report post Posted September 29, 2007 a'kum mr frannez, dgr kwn2 kg kata skrg CIMB wealth lg top drp Public Mutual..apa tu,kenyataan berasas ke.. Quote Share this post Link to post Share on other sites
frannez 0 Report post Posted September 29, 2007 (edited) salam ola oli...mana ko dapat fakta ni bro..top dr segi apa?ni fakta sebenar total fund size:Public Mutual (RM20,600 Million),CIMB Wealth Advisors (RM 3,473Million),CIMB-Prinsipal (RM 2,314Million)..klo ko gabung 2 company ni pon tak leh lawan PM gak.sekarang ni CIMB Wealth Advisor ( SBB Mutual) dah jatoh tangga ke 3, dipintas oleh AmMutual (AmBank-RM 8,321M)plz refer to Lipper Fund Table, The Edge.. Edited September 29, 2007 by frannez Quote Share this post Link to post Share on other sites
ola oli 0 Report post Posted September 30, 2007 mcmtu ke..baru jelas..klu dikira dr segi purata performance dana2 plak, CIMB tgh mencanak ke..? bkn apa, blh la sy nilai bila ada individu yg bg kenyataan2 tertentu.. btw, klu sy brminat nk invest skit utk cuba2 blajar blh tlg tnjuk ajarkan.. Quote Share this post Link to post Share on other sites
dar 0 Report post Posted September 30, 2007 (edited) salam ola oli...mana ko dapat fakta ni bro..top dr segi apa?ni fakta sebenar total fund size:Public Mutual (RM20,600 Million),CIMB Wealth Advisors (RM 3,473Million),CIMB-Prinsipal (RM 2,314Million)..klo ko gabung 2 company ni pon tak leh lawan PM gak.sekarang ni CIMB Wealth Advisor ( SBB Mutual) dah jatoh tangga ke 3, dipintas oleh AmMutual (AmBank-RM 8,321M)plz refer to Lipper Fund Table, The Edge..Size fund menunjukkan berapa capitalsation fund... tapi yang paling penting berapa average return Daripada Public Mutual (RM20,600 Million)CIMB Wealth Advisors (RM 3,473Million)CIMB-Prinsipal (RM 2,314Million)U pernah kira/dapat info ke frannezFortune500 - Wall Mart paling besar asset, tapi adakah ROI Wall Mart paling bagus???Tidak..... Edited September 30, 2007 by dar Quote Share this post Link to post Share on other sites
Luq 0 Report post Posted September 30, 2007 Size fund menunjukkan berapa capitalsation fund... tapi yang paling penting berapa average return Daripada Public Mutual (RM20,600 Million)CIMB Wealth Advisors (RM 3,473Million)CIMB-Prinsipal (RM 2,314Million)U pernah kira/dapat info ke frannezFortune500 - Wall Mart paling besar asset, tapi adakah ROI Wall Mart paling bagus???Tidak.....ya lar...kadang2 the biggest is not the best and the smallest is not the worst...my frennezzz...best baca info2 & citer2 yang berguna bout unit trust dlm thread ni...very informative...but kawan don't memperlekehkan your competitor...as a client we have the right to compare...as Shapfie Afdal said....tengok2...compare2...betui ka PM is the biggest? how bout PNB?p/s ...i penah keja kat Wal Mart...x de yang best punn....cekik darah lagi....remember...the biggest is not the best..heheh Quote Share this post Link to post Share on other sites
frannez 0 Report post Posted September 30, 2007 Size fund menunjukkan berapa capitalsation fund... tapi yang paling penting berapa average return Daripada Public Mutual (RM20,600 Million)CIMB Wealth Advisors (RM 3,473Million)CIMB-Prinsipal (RM 2,314Million)U pernah kira/dapat info ke frannezFortune500 - Wall Mart paling besar asset, tapi adakah ROI Wall Mart paling bagus???Tidak.....kalau dah buat research, one will find out mmg public mutual is the best... unit trust companies yg lain spt AmMutual,CIMB wealth advisors (SBB), RHB unit trust, MAAKL Mutual, OSK, Hwang DBS dan lain pun bagus, bkn kata x bagus, untung jugak unit trust lain pun... tapi Uni trust companies lain stakat ni takleh nak compete lagi dgn public mutual...public mutual is the BIGGEST AWARD winner utk 4 tahun berturut2 di malaysia... awarded by LIPPER dan STANDARD & POORS...award ni diberi kan kepada fund2 unit trust berdasarkan kepada consistent return,preservation dan total return.. meaning public mutual gondol majority anugerah best funds performance utk pelbagai kategori...they also awarded as the BEST fund manager in ASIA 2006 by FAILAKA ADVISORS yg berpusat di Dubai (cuba check post saya sebelum ni)... anugerah ni diberikan pada 20 may baru2 ni....need to say more? Quote Share this post Link to post Share on other sites
frannez 0 Report post Posted September 30, 2007 mcmtu ke..baru jelas..klu dikira dr segi purata performance dana2 plak, CIMB tgh mencanak ke..? bkn apa, blh la sy nilai bila ada individu yg bg kenyataan2 tertentu.. btw, klu sy brminat nk invest skit utk cuba2 blajar blh tlg tnjuk ajarkan..ola oli ni fund comparison dari segi return company2 unit trust di malaysia..fund kami Public Islamic Opportunities Fund (PIOF) perform bagus dgn bg return yg tinggi compare dgn company lain SBB (CIMB) dan lain2 company.. p/s bro..please check ur pm! Quote Share this post Link to post Share on other sites
frannez 0 Report post Posted September 30, 2007 ya lar...kadang2 the biggest is not the best and the smallest is not the worst...my frennezzz...best baca info2 & citer2 yang berguna bout unit trust dlm thread ni...very informative...but kawan don't memperlekehkan your competitor...as a client we have the right to compare...as Shapfie Afdal said....tengok2...compare2...betui ka PM is the biggest? how bout PNB?p/s ...i penah keja kat Wal Mart...x de yang best punn....cekik darah lagi....remember...the biggest is not the best..hehehLuq..saya tidak sama sekali berniat memperlekehkan mana unit trust yang lain..setiap unit trust ade kelebihan nye sendiri..cuma prove kenapa public mutual is the best unit trust company di Malaysia sudah sy jelaskan seblum ni..PM mmg the biggest unit trust in Malaysia dalam kategori private unit trust company kat malaysia ni.. Quote Share this post Link to post Share on other sites
mawario 0 Report post Posted October 1, 2007 frannez........ mana dia borang untuk letak nama waris tu....... dia tak pos sekali ker.... Quote Share this post Link to post Share on other sites
zippo 0 Report post Posted October 1, 2007 frannez........ mana dia borang untuk letak nama waris tu....... dia tak pos sekali ker....Meriah nampak Quote Share this post Link to post Share on other sites