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Archive for April 2008

Selamat Pagi,

Rahsia yang ingin saya dedahkan ini bukanlah rahsia bagi orang-orang kaya. Ia sangat berguna bagi orang-orang biasa seperti kita. Mungkin kita merasa amat susah untuk menjadi seorang jutawan. Tinggalkan perasaan itu! Megikut buku “Law of Attraction“, you attract whatever you give your attention, energy, and focus to whther positive or negative. Buangkan segala pemikiran yang negatif. Sekarang, berikan fokus, tenaga dan komitmen anda untuk menjadi seorang jutawan dengan langkah mudah yang saya kongsikan hari ini.

Adakah anda mempunyai lebihan RM500 setiap bulan dari pendapatan anda? Tahukah anda bahawa wang sebanyak RM500 boleh menjadi RM1,091,819 dalam masa 27 tahun! Dengan mempunyai displin dan komitmen untuk menyimpan hanya RM500 setiap bulan dengan kadar anggaran pulangan 12%, kini anda bergelar jutawan! Ini belum lagi dicampur dengan wang pencen atau wang simpanan KWSP anda! Amat mudah bukan? Anda kini tertanya, portfolio simpanan / pelaburan yang manakah sesuai dipilih untuk menjadi jutawan dengan mudah ini? Pilihlah pelaburan Unit Amanah kerana mengikut rekod-rekod yang lepas, kadar pulangannya adalah antara 10%-15%. Malahan ada yang lebih! Tidak percaya? Kita jumpa, dan saya boleh tunjukkan pelaburan peribadi saya.

Mungkin anda akan berkata, saya tiada RM500!. Saya mencadangkan 2 langkah bijak berikut:

1) Mulakan simpanan tetap dengan hanya serendah RM100. Yang penting anda konsisten. Anda boleh tambahkan pelaburan bila-bila masa apabila mendapat wang tambahan seperti kenaikan gaji atau bonus! Percaya atau tidak, selagi anda tidak memulakan langkah pertama anda, anda akan merasa susah untuk menyimpan. Apabila langkah pertama berjaya, langkah seterusnya akan menjadi lebih mudah kerana anda akan menjadikannya tabiat (habit) yang positif!

2) Buat bajet bulanan dan kenalpasti apakah perbelanjaan yang sebenarnya anda boleh elakkan atau kurangkan. Contohnya: makan di luar! Masaklah sendiri di rumah kerana ia lebih menjimatkan dan sebagai ibu, saya percaya masakan dari air tangan anda sendiri dapat mengukuhkan lagi hubungan kekeluargaan yang erat dan bahagia. Wang yang telah dikenalpasti tadi kini boleh dijadikan simpanan tetap anda. Sungguh mudah bukan. Kurangkan belanja, tingkatkan pelaburan!

Letakkan tangan di kepala anda dan katakan “saya mempunyai minda jutawan!” atau” saya dalam proses untuk menjadi seorang jutawan”

Selamat berjaya!

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Book title: How Buffet Does It.

I just finished reading this book which I bought in KLIBF last week.

I would like to suggest that all beginners in investing area to read this book. I read this book to gain as much knowledge as I can ( maybe to be the Buffet’s Protege), hoping that I would select the right investment product for my future.

He shared 24 simple investing strategies that we can also apply. There are:

1) Choose simplicity over complexity. This is the essence of Buffet’s philosophy. He invest in easy to understand, solid , enduring businesses for success.

Buffett “If you don’t understand a business, don’t buy it”

2) Make your own investment decision. Become a value investor. It’s proven to be a very rewarding technique over the long term. To make you own decision, you will need to learn about the basic accounting in the stock market. Start reading investment book or financial periodicals.

3) Maintain proper temperament. People tend to act emotinally when the price goes down. But how does the Buffet approach? Drop in share price mean a buying opportunity for him. You need the kind of temperament that can help you ride out the storms and stick to your long term plans. If you can stay cool while those around you are pancking, you can prevail.

Buffett “Let other people overreact to the market. Keep your head when others do not, and you will benefit”

4) Be patient. Think 10 years, rather than 10 minutes. If you aren’t prepared to hold a given stock for a decade, don’t buy it in the first place.

When did he learn about the need for patience in investing? When he was 11 years old. He made his first stock purchase: 3 shares of Cities Service Preferred at $38 a share. Shortly thereafter, he sold his 3 shares when the price hit $40, earning him a net profit of $5. A few years later, this same stock was selling for $200! Can you imagine?

Buffett “Don’t dwell on the price of stocks. Instead, study the underlying business, its earnings capacity, its future and so on”

I’m attracted with this Q & A with Buffett:

“How long will you wait”. Buffett replied ” If we are in the right place, we will wait indefinitely”

5) Buy businesses, not stocks. Business performance is the key to picking stocks. Study the long term track record of any company that is on your buy list.

Buffett ” Don’t think about stock in the short-term. Think about business in the long term”

6) Look for a company that is a Franchise. He always invest in company that produces products that are needed and desired, that has no close substitutes, that does not eat up capital and not subject to price regulation. Example, he invested in See’s Candies. This company has been selling candy successfully for more than 70 years and most likely will be selling candy for the next 70 years.

Will be continued later friends. Alternatively, you can buy this book from the nearest BookStore 😉

Have a nice day

Start investing early to gain the benefits of compounding interest. Here, I show to you the comparison between two different womans that I named it as Fara and Aiza ( hanya nama samaran :p) .

Fara

Start her first investment at the age of 21 years old thru regular annual contribution of RM1,000 until she reach 30 years old. She didn’t make any withdrawal nor additional investment by age of 30. So, the total investments is RM10,000. Given the average rate of return of 10%, she gained RM117, 941 at the age of 50. See below’s table:

Aiza

Start her investment 10 years late than Fara that is at the age of 31 years old. She made same annual  contribution of RM1,000 until she reach 50 years old. With the total investments is RM20,000. Given the average rate of return of 10%, she gained RM63,002 by the age of 50. See below’s table:

Eventhogh Fara’s total deposits is smaller than Aiza by variance of RM10,000, there’s a huge different in total return of investment by age of 50 years old. See, it’s RM54,938! Thanks to the power of compounding interest who have benefited Fara for investing early! Warren Buffet start his first investing in stock at the age of 11 years old. No wonder he can beat Bill Gates to be the richest man in the world.

Use this calculator to verify the above comparisons. The calculator provides the opportunity to compare three separate scenarios depicting investments made at different age. It shows that the early investment continues to give more return that the late investment.

So, don’t procrastinate! It does cost you forever! Making your money working and growing is all about TAKING ACTION.

Assalamualaikum,

Public Mutual melancarkan Fund baru hari ini, iaitu PIOGF yang melabur di pasaran tempatan. Anda boleh melabur melalui EPF akaun 1. Sungguh mudah. Anda hanya perlu semak baki akaun 1 anda dan buat satu salinan kad pengenalan. Saya akan kirakan kelayakan pelaburan anda melalui panduan EPF ini. Anda tidak perlu menghantar borang ke PM atau Pejabat EPF untuk melabur. Semuanya akan diuruskan oleh Unit Trust Consultant anda! Hubungi saya sekarang 😉 . Jangan bertangguh kerana ia merugikan anda! ______________________________________________________________________________________________

Public Bank’s wholly-owned subsidiary, Public Mutual will launch a domestic Islamic fund, Public Islamic Optimal Growth Fund (PIOGF) on 8 April 2008 (Tuesday). Investors who wish to achieve an optimal combination of capital appreciation and income growth over the long-term can invest in the PIOGF. PIOGF is open for EPF Members Investment Scheme.

Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow said PIOGF is an Islamic equity fund that seeks to provide income and capital growth by investing in Shariah-compliant stocks which offer attractive dividend yields and growth stocks in the domestic market. “PIOGF invests 50% of its equity investment in Shariah-compliant growth stocks in the domestic market while the remaining 50% of its equity investment is invested in Shariah-compliant stocks which offer attractive dividend yields,” he added.

Tan Sri Teh explains that PIOGF is a capital growth and income fund that is suitable for medium to long-term investors with aggressive risk-reward temperaments. The equity exposure of PIOGF will generally range from 75% to 95% of its net asset value (NAV). PIOGF distributes annual income to the investors on a best effort basis.

The Initial Offer Price of PIOGF is at RM0.2500 per unit during the 21-day initial offer period of 8 April 2008 to 28 April 2008. The minimum initial investment is RM1,000.

PIOGF is distributed by Public Mutual unit trust consultants. Interested investors can contact any Public Mutual unit trust consultant or call its Customer Service Hotline at 03-6207 5000 for more details of the fund.

Public Mutual is the largest private unit trust company in Malaysia, and it manages 61 funds for more than 1,650,000 accountholders. As at 31 December 2007, the total NAV of the funds managed by the company was RM28.4 billion.     

Source:Public Mutual

Adakah anda ingin tahu bahawa dengan berlengah dalam membuat pelaburan itu merugikan anda? Ini sebabnya:

1. Inflasi

Dengan tidak melabur anda sebenarnya menghadapi risiko terhadap kadar inflasi. Inflasi memang tidak dapat dielakkan dalam situasi pasaran masakini. Dengan mengambil purata kadar inflasi sebanyak 3% setahun, anda kini boleh tahu berapa tahunkah wang anda akan susutnilai (depreciate) sebanyak separuh nilai dengan hanya menggunakan ‘Rule of 72’. Cara pengiraan: 72 bahagi purata kadar inflasi.

Contoh: 72/3 = 24 tahun

Bayangkan anda mempunyai wang sebanyak RM100,000 tahun ini, dalam masa 24 tahun lagi nilainya hanya RM50,000 sahaja. Jadi, cukupkah wang anda untuk menyara persaraan anda nanti? Oleh yang demikian, kita perlu melabur wang kita kedalam pelaburan yang memberi pulangan melebihi 3% supaya nilai wang kita tidak susut begitu sahaja. Katakan anda menyimpan wang ke dalam Fixed Deposit dan mendapat pulangan tetap sebanyak 3%. Jumlah wang yang anda simpan masih sama, tetapi disebabkan kadar inflasi sebenarnya anda tidak mendapat pulangan! Ingat sebelum ini Dave berkata “ Savings without a mission is a garbage’

2. Kuasa ‘Compound Interest’

Bagi menjadikan modal pelaburan kita berkembang , kita tidak harus mengabaikan kuasa ‘compound interest’ . Tahukah anda Albert Einstein menggelar ia sebagai ‘8th wonder of the world’?

Mari kita lihat definasi ‘compund interest’ iaitu:

Interest that accrues when earnings for a specific period are added to principal; thus interest for the following period is computed on the principal plus accumulated interest.

Ini bermakna anda tidak akan keluarkan pulangan dari dividen yang anda dapat. Anda hanya membiarkan sahaja pelaburan anda berkembang. Pulangan yang seterusnya akan dikira ke atas principal dan dividen yang terkumpul setiap tahun. Contoh yang mudah, katakan anda menyimpan RM10,000 ke dalam Unit Amanah yang memberi pulangan purata 15% setiap tahun. Dengan tidak mengeluarkan langsung wang tersebut, pelaburan anda dalam masa 15 tahun akan menjadi begini:

compoundingtablesmall.jpg

Setelah 10 tahun anda akan mendapat RM40,456!. Jika anda membiarkannya untuk tempoh lagi 10 tahun, anda akan mendapat RM72,434,766! Patutla Einstein menggelar ia sebagai ‘8th wonder of the world’.

Gunakan ‘compund interest calculator’ ini untuk mengesahkan contoh di atas:

ASB:

 compounding_asbs.jpg

Unit Trust:

 compounding_uts.jpg

Contoh lain kuasa ‘compound interest’ antara Simpanan Biasa dan Unit Trust disini.

2-4-08

KUALA LUMPUR: Public Mutual Bhd has declared distributions of 15 sen per unit for Public Aggressive Growth Fund (PAGF) and 10 sen per unit for Public Regular Savings Fund (PRSF) for the financial year ended March 31, 2008. In a statement yesterday, Public Mutual’s chairman Tan Sri Teh Hong Piow said PAGF and PRSF had generated a five-year return of 150.8% and 119.2%, respectively, for the period ended March 7, 2008, according to The Edge-Lipper Fund Table.

He said these funds had outperformed the benchmark Kuala Lumpur Composite Index, which registered a gain of 103.9% for the same period.

After 13 years on top, Bill Gates is no longer the richest man in the world. That honor now belongs to his friend and sometimes bridge partner Warren Buffett. Source:Forbes 

His advice to young people: “Stay away from credit cards (bank loans) and invest in yourself and remember:

A.      Money doesn’t create man but it is the man who created money.

B.      Live your life as simple as you are.

C.      Don’t do what others say, just listen them, but do what you feel good.

D.      Don’t go on brand name; just wear those things in which you feel comfortable.

E.      Don’t waste your money on unnecessary things; just spend on them who really in need rather.

F.      After all it’s your life then why give chance to others to rule our life.”  “The HAPPIEST people DO NOT necessarily have the BEST of all. They simply APPRECIATE what they find on their way” 

Start investing today for your better financial freedom tomorrow