PostGrad Asia 2008 & Carrer Fair March 29, 2008
Posted by farrahaiza in Uncategorized.add a comment
Wanna a change in life? Maybe this could help:
PostGrad Asia, 28-29 June 2008 . More info here.
MCTF Career and Training Fair, 4-6 April 2008.
More than 50 top companies have confirmed their participation in this year’s career fair. Some of them are Sime Darby, Astro and many more. More info click here.
Anda boleh menjadi jutawan dalam masa 20 tahun! March 24, 2008
Posted by farrahaiza in Jutawan, Unit Trust, Why invest.1 comment so far
Percayakah anda juga boleh menjadi jutawan dalam masa 20 tahun?
Apakah yang anda perlu laburkan sebulan untuk mencapai RM1 juta pada kadar pulangan 15% ?
Hanya RM667.90 sebulan selama 20 tahun
Jika anda ingin mengumpul 3 juta pula dalam masa 30 tahun, berapakah jumlah yang anda perlu laburkan sebulan pada kadar pulangan 15% ?
Hanya RM433.32 sebulan selama 30 tahun
Nota: 15 % kadar pulangan diambil kira sebagai kadar pulangan jangkaan kebanyakkan Unit Amanah.
Jadi, mengapa anda tidak bertindak sekarang? Dengan menjadi jutawan, anda dapat bersara lebih awal, membiayai pengajian anak-anak, membeli rumah idaman, melancong dan banyak lagi.
Public Ittikal VS ASB March 23, 2008
Posted by farrahaiza in Islamic fund, Why choose Public Mutual, Why invest.add a comment
Public Ittikal adalah satu instrumen pelaburan yang sesuai untuk jangkamasa panjang. Pulangan Ittikal untuk tempoh 10 tahun bermula Mac 1998 hingga Mac 2008 adalah sebanyak 207%. Pulangan Ittikal adalah melebihi pulangan Public Shariah Index pada kadar 57.6%. Sila lihat Carta di bawah.
Mari kita lihat apakah perbezaan wang yang anda laburkan dalam tempoh 10 tahun antara Ittikal dan ASB.
Jika anda melabur dalam Ittikal RM5,000 ( saya mengambil contoh saya) pada tahun 2006, nilainya akan menjadi RM21,468 pada kadar pulangan setahun adalah 18%. Manakala jumlah pelaburan di dalam ASB setelah 10 tahun adalah RM8,855 pada kadar pulangan setahun sebanayk 8%. Perbezaannya adalah RM12, 600!! Dalam kedua-dua perbandingan tersebut, saya telah meletakkan 2% sebagai kadar purata inflasi tahunan.
Jadi betulkah ASB ni pelaburan tanpa risiko? Pada pendapat saya, risikonya tetap ada. Dalam contoh di atas, risikonya adalah anda kehilangan peluang pulangan sebanyak RM12,600 (perbezaan pulangan Ittikal dan ASB utk 10 tahun lalu). Bagaimana pula dgn Ittikal, apakah risiko yang ada? Harga unit Ittikal bergantung kpd prestasi pasaran saham, maknanya risiko tu memang wujud, pulangannya mungkin sangat rendah 5%, atau lebih teruk lagi -20%, tetapi kemungkinan ini terlalu rendah. Kebarangkalian untuk memperoleh pulangan 15% ++ adalah lebih tinggi. Pengurus Dana meletakkan pelaburan didalam portfolio yang berbeza ( diversifikasi). Jadi sebarang penurunan di satu portfolio akan di off set dengan pulangan di portfolio yang lain. Jika anda risau dengan kejatuhan prestasi pasaran saham seperti baru-baru ini, kesan tersebut hanya sementara. Ketika prestasi pasaran saham menurun, pelabur digalakkan 1) Membeli unit tambahan 2) Jika tiada wang, bersabar 3) Atau switch fund (caj akan dikenakan).
Sesuai dengan saranan Dave Ramsey dan Warren Buffet dan ramai lagi pelabur sofistikated, Unit Trust ini adalah untuk jangkamasa panjang. Untuk pelaburan Ittikal saya, saya bercadang untuk menambah lagi pelaburan. Insyallah, tambahan RM5,000 lagi 
Disini juga saya sertakan strategi pelaburan Unit Trust yang dicadangkan oleh Dave Ramsey dan yang diamalkan olehnya:
Standard Diversification
o 25% Growth and Income (large cap, big companies)
o 25% Growth (mid-cap, mid-sized companies)
o 25% International
o 25% Aggressive growth (tech, web, health care, bio-tech, small co. , emerging markets)
Conservative Diversification:
o 25% Balanced
o 25% Growth & Income
o 25% Growth
o 25% International
Nota: Public Ittikal adalah Growth Fund. Minimum pelaburan adalah RM1,000, dan tambahan pelaburan adalah serendah RM100.
Perbezaan asas antara beberapa jenis simpanan/pelaburan March 23, 2008
Posted by farrahaiza in Public Mutual, Unit Trust, Why invest.5 comments
Di dalam buku Total Money Makeover yang ditulis oleh Dave Ramsey, saya tertarik dengan petikan berikut “Savings without a mission is garbage. Your money needs to work for you, not lie around” .
Saya tertarik kerana, ia memberi kesedaran kepada kita bahawa adakah portfolio simpanan atau pelaburan kita sekarang ini menguntungkan? Dan sebagai umat Islam, menjadi kewajipan untuk kita menilai adakah ianya halal?Disini saya kongsikan beberapa perbezaan asas dari segi pulangan antara beberapa jenis simpanan yang lazimnya dimiliki oleh orang-orang biasa:
Akaun simpanan biasa
Simpanan mimima sangat rendah, berisiko rendah dan juga mempunyai pulangan yang sangat rendah. Biasanya orang ramai menggunakannya untuk akaun masuk pendapatan.
EPF
Simpanan wajib untuk simpanan hari tua ini secara umumnya memberi pulangan yang agak rendah. Sebagai contoh 2007 – 5.8% Tabung Haji Simpanan yang bagus untuk semua umat Islam terutamanya sebagai simpanan untuk menunaikan Ibadat Haji. Pulangan pada tahun 2007- 7%.
ASB
Terlalu banyak isu dibincangkan sejak beberapa tahun yang lepas. Dan saya yakin bahawa pelaburan ASB bercanggah dengan Syariah. Pada Tahun 2006 saya telah keluarkan duit saya dan masukkan ke dalam Islamic Unit Trust. Ada pendapat mengatakan ianya Harus. Ada pendapat yang mengatakan ianya Haram. Namun begitu, saya sekadar berkongsi pulangan ASB seperti berikut:
2003 9.25%
2004 9.25%
2005 9.25%
2006 8.55%
2007 9.00%
Saham
Selain berisiko tinggi, mempunyai pulangan yang tinggi dan memerlukan duit yang banyak, anda juga memerlukan ilmu, keprihatinan dan kepakaran yang tinggi terhadap pelaburan tersebut. Ayah saya pelabur yang aktif main saham sebab dia dah pencen, banyak masa nak melepak kat OSK Securities :p
Fixed Deposit
FD adalah simpanan yang dijamin selamat dan menjanjikan pulangan tetap tetapi rendah. Purata pulangan FD ialah 3%-4%
Unit Trust
Unit Trust have a diversified portfolio. Jadi kerugian in certain portfolio will be offset by gains in others. Secara umumnya, UT adalah antara pelaburan yang selamat dan menjanjikan pulangan yang memuaskan berbanding pelaburan yang lain. Sebagai umat Islam, kita wajib memilih Shariah UT dan kini telah banyak syarikat kewangan menawarkan Islamic UT. Saya kini telah memiliki 3 pelaburan UT yang berbeza iaitu Public Ittikal, Public Islamic Select Treasures Fund dan Public Islamic Dividend Fund. Kesemuanya daripada Public Mutual.
Adam Khoo:The 7 steps to Financial Abundance March 22, 2008
Posted by farrahaiza in Dave Ramsey, Jutawan.1 comment so far
Today, I would like to share The 7 steps to Financial Abundance wrote by Adam Khoo in this book. I’m yet to finish reading it, currently at Chap 10.
Step 1: Adopt the Million-Dollar Mindset. Millionaires think and see the world very differently. This is why they take different actions and produce such different results. Where most people see problems, those with the millionaire’s mindset see money-making opportunities. Millionaire’s mindset is further discovered in the Chapter 3 on Nine Habits of Self-Made Millionaire later.
Step 2: Set clear Financial Goals. The major reason why people never achieve any level of wealth, is because they never have clue or answer this questions came into his or her life “What are you financial goals?”. The four levels of Wealth will be covered soon in Chapter 5. There are financial, stability, financial security, financial freedom and financial abundance.
Step 3: Create a financial plan. Once you have a specific financial target of how much you want to earn, you have to develop an effective financial plan. For example, if you set to achieve 1 million in a specific date, you should target how much you want to save / invest per month and by other means like increase your main income. The chapter 4 & 5 taught how to craft a financial strategy.
Step 4: Massively increase your income. Adam shared on how to massively increase income about doubling or tripling! It then further shared in Chapter 6, 7, 8, 9, 10, 11, 12.
Step 5: Manage your money and reduce expenses. Dou you realize that increasing income is only one side of wealth equation? Millionaires become rich not because how much they earn, but rather how much they are able to save and invest. The chapter 13 and 14 shared on how you can reduce expenses by 20-30% without compromising you standard of living. I can’t wait to reach this Chapter.
Step 6: Grow you money at Millionaire return. By reducing your expenses, you will be able to accumulate a surplus of duns that you can use to build your fortune thru investment, stock, property and so on. Chapter 15 & 19 revealed investment techniques that can allow you to earn 15-25% per year with minimal risk.
Step 7: Protect you fortune. Millionaires engage professionals like insurance advisor, lawyers, financial advisor etc to protect their wealth from potential creditor or government (thru tax) and other party. What do you think about his 7 steps? You may purchase this book at price RM49.90 but got this at discounted price RM39 last 2 weeks at Kinokuniya.
Dave Ramsey MM & SS #3
Money Myths(MM) #3
Myth: Debt is a toll and should be used to create prosperity
Truth: Debt adds considerable risk, most often doesn’t bring prosperity, and isn’t used by wealthy people nearly as much as we are led to believe.
Shocking Stats (SS) #3
Shocking stats : 80% of graduating college seniors have credit card debt-before they even have job!
Hulurkan Bantuan kepada adik Nurul Aysha Safiya March 20, 2008
Posted by farrahaiza in Bantuan.1 comment so far
Assalamualaikum,
Bersama kita membantu adik Nurul Aysha Safiya bt Samsulrizal (4 tahun) yang memerlukan bantuan anda yang prihatin.
Semoga bantuan yang kita hulurkan dapat meringankan beban keluarga beliau.
Hulurkan bantuan anda kepada :-
Nama : Samsulrizal b. Ramli (bapa adik Nurul)
Maybank Acc : 162 106 168 490
Syukran
Lies that makes you broke! March 19, 2008
Posted by deman2k in Uncategorized.add a comment
What comes out in your mind when somebody talks about money or seem very focus on being rich?
Is it one these?
- Money is the root of all evil
- Rich people are greedy
- Money is not important
- Family is more important than money
- Love is more important than money
- Money can’t make me happy
and so on the list goes…
If it is, I have one good prediction for you: You’re either broke or are going to be broke soon! (Refer The Millionaires Mind T.Harv Ecker)
Binggo!
Now to ensure that you’ll not stay broke or soon to join the list of people who are broke, spend some times reading these two posts:
22 Useless Myths That Can Cost You Money
Lies I Told Myself That Kept Me Broke and Lazy
Dave Ramsey on TMM (Total Money Makeover) March 17, 2008
Posted by farrahaiza in Dave Ramsey, Islamic Unit Trust, My Total Money Makeover, Unit Trust, Why invest.add a comment
This is a very quick review on Dave’s tool in his TMM:
Baby step 1: Save approximate RM250 (in the book is US1,000) for your emergency fund. It should be saved in most liquid account like the normal savings account so that we could use it during emergency like when car need repair, etc. Pls note that Hari Raya is not emergency okey.
Baby step 2: Start the Debt snowball. It’s not complicated, but it’s difficult. It requires us to list down our debts and start attacking the debt with smallest to largest so as to have some quick wins. I really love this principle.
Baby Step 3: Finish the emergency fund. A fully funded emergency fund covers 3-6 months of expenses. So, we would have enough money in 3-6 months if we lost our income.
Baby step 4: Invest 15% of your income in Retirement. You tool is Mutual Fund. He suggested to invest in Growth -stock mutual funds for long term. Growth-stock mutual funds are lousy short term investment because they go up and down in value, but they are excellent long terms investments when we are leaving the money longer than 5 years. He choosed mutual fund that have a good track record winning for more than 5 yrs, preferably 10 yrs. He didn’t took 1-3 years because he thinks long term. He also spread the retirement investment ie: 25% Growth and income, 25% Growth, 25% International, 25% Aggressive growth.
Baby step 5: Invest for college funding. Make sure the Kids are fit too. Dave said we need to do some reasearch on the cost of attending college. Find out the college costs today and predict the costs when our kid is abut to enter the college let say in 10 years time. Stay away from loans; make plan to avoid borrowing. If you have scholarship, go! The first rule will be always pay cash for the kids college fee.
Baby step 6: Pay off your home mortage. You mortage term should be only 15 years duration. It is the best.
Baby step 7: Build wealth. Why we build wealth? The reasons is to have FUN, INVEST and GIVE.
Money Myths(MM) #2
Myth: Debt consolidation saves interest, and you have one smaller payment.
Truth: Debt consolidation is dangerous because you treat only the symptom.
Shocking Stats (SS) #2
Shocking stats : 49% American could cover less than one month’s expenses if they lost their income
My TMM progress
1- Starting last week, I’ve stopped made payment by Credit Card. All payment made by cash and Maybank Debit Card.
2- Today, we just have a big shopping: 1) RM2000 invest in PISTF 2) RM2000 invest in PIDF. 3) While hubby invest in RM1,600 in PIDF.
3- To get rid off my two credits card: Maybank & Citibank. My Hubby is the lucky one. he don’t own any Credit Card
I was listening to Radio 24 yesterday, while driving back home yesterday. The DJ said something that really caught my attention. Some investors says that “ Bursa Malaysia is like having Mega Sales right now”. The market price is down and therefore, some investors taking this opportunity to buy more shares. I also found one article that I cannot recall the source right now. What Warrant Buffet does when market is in turmoil? He replied, “ Just smile and buy”
Dave Ramsey “The Total Money Makeover” March 15, 2008
Posted by farrahaiza in Books, Dave Ramsey, My Total Money Makeover.5 comments
I just finished reading this book today @ 11.10pm. I took 8 days to complete this superb book. Totally agree with the his proven plan for financial fitness that was shared in this “ The Total Money Makeover “.
In this book, he shared the truth about debt and money and give steps and tools to set ourselves free financially. For Dave, Personal Finance is 80% behavior and only 20% knowledge. When I read this book, I was not read about mathematics or magic system but about changed lives. Many Money Myths (MM) and Shocking Stats (SS)was discovered. Many people’s success stories was shared. I’m motivated to be like them!
Dave shared …you have to change your life. When you change you life, you will get out of debt, give and invest at an unbelievable rate. His proven plan has inspired hundreds of thousands ordinary people to change their family tree..they have become DEBT-FREE.
I’m so excited to start my Total Money Makeover. My journey is just about to begin. I shall share Dave’s principles and tools later since my eyes is getting very sleepy right now. I’m too excited to share with all of you. My husband is also motivated to become DEBT FREE. But before I shut down my laptop, let me share the first MM & SS.
Money Myths(MM) #1
Myth: I didn’t have time to work on a budget, retirement plan or estate plan.
Truth: You don’t have time not to
Shocking Stats (SS) #1:
90% of people in our culture buy things they can’t afford.
Happy weekend my dearest friends!
Berita Baik! March 14, 2008
Posted by farrahaiza in Public Mutual, Why invest.1 comment so far
Berita baik untuk semua para pelabur.
Caj perkhidmatan bagi semua jenis Equity dan Balanced Fund kini telah dikurangkan daripada 6.5% ke 5.5%.
Para pelabur melalui simpanan KWSP juga menikmati faedah yang sama. Caj perkhidmatan diturunkan kepada 3% .
Public Mutual menurunkan caj tersebut bagi menggalakkan lebih banyak bakal pelabur dan juga sediada pelabur menambah pelaburan bagi meningkatkan simpanan anda yang lebih baik untuk masa depan. Usah bertangguh. Rebut peluang sekarang untuk melabur memandangkan harga pasaran sedang menurun. Kita dapat lebih banyak unit jika melabur sekarang.
