Are you Rich enough? Wealthy enough?

Which groups are you in?

*** “I’m not interested to be rich”

*** “Duit banyak pun bukan boleh masuk kubur…..”

*** “I’m rich already, why need to do other things?”

Are you wealthy? – Determine you wealthiness….

DO YOU HAVE THE RIGHT MINDSET AND THE RIGHT ATTITUDE?

INVESTING IN UNIT TRUST – THE BEST WAY FOR YOU TO BE RICH + WEALTH

WHY Invest in Unit Trust?

Good Reason No 1 – For Retirement

Good Reason No 2 – For Education

Good Reason No 3 – For Haj

Good Reason No 4 – For Buying A House

WHAT IS THE ULTIMATE REASON TO INVEST? – FOR YOUR OWN FINANCIAL FREEDOM

Example, If you can have RM1,000,000.00 as WORKING CAPITAL MONEY, and keep it in an investment fund that give average of 12% pa through out your wholelife,

-> You will benefit RM120,000.00 p.a.

-> Your monthly living  / pocket money ~ RM10,000.00 until you die…>


BASIC ATTITUDE ~ REINVEST YOUR RETURN


Warren Buffet’s Rules

Rule No 1 – Do Not Loose Your Capital

Rule No 2 – Follow Rule No 1

Common Skeptic…..

Trust Fund???   Unit Trust?…. errr…

You Sure make money aaaa….?  YES

You sure don’t loose money aaaa….?    YES

Can give guarantee aaaa…?    YES

Say YES to ALL, but first, get the fundamental first, right???

GUARANTEE????

Rule No 1 – Do Not Redeem (it’s just a paper loss)

Rule No 2 – Do Not Redeem – your capital

What is UNIT TRUST FUND?  A Unit Trust Fund is a collective investment scheme, which pools the savings of investors with similar investment objectives in a special ‘trust’ fund managed by professional fund manager. The pooled monies in the unit trust fund will then be invested in a diversified portfolio of securities and other assets in accordance with unit trust’s investment objectives and as permitted under the Securities Commission’s (SC) Guidelines on Unit Trust Funds.


BENEFIT INVESTING IN UNIT TRUST FUND

-> Affordability – Unit Trust are very affordable. Investors can start with an investment amount as low as RM500.00.

-> Diversification – Rather than concentrating an investment portfolio of one or two investments or shares, a portfolio of market securities can be held. The wider the spread of investments, the less volatile (i.e. variable) the investment returns will be. In simple terms, investment into unit trusts means diversification of risk: “not putting all your eggs in one basket.”

-> Liquidity – Most investors prefer their investment to be liquid. That is, they can easily buy and sell without difficulties. Unit trusts provide this benefit, easily bought and sold. An excellent return that cannot be “cashed-in” (i.e. sold) does not necessarily mean a good investment as poor liquidity constitutes an additional risk factor for the investor.

-> Professional Fund Management – The people entrusted to manage unit trusts are approved professionals. Their training and background ensures that decision making is structured and according to sound investment principles. In the process, unit trust funds enjoy the depth of knowledge and experience that fund manager can bring. In the long term, it is this expertise that should generate above average investment returns for unit trust investors.

-> Investment Exposure – For the individual investor, it is sometimes difficult to gain exposure to a particular asset class. For instance, if an investor with RM5,000 wants to gain exposure to the Malaysian property market, global equity markets and the Malaysian bond market, it would be impossible to simultaneously hold a direct investment portfolio in all of these markets. With unit trust investments, it is possible to spread your money around to all of these asset classes at the same time, so that the investor can gain the investment exposure he requires.

-> Wholesale Investment Costs & Access to Other Asset Classes – When making direct investments in the Bursa malaysia, the investor faces costs and charges that are much higher. With unit trust the economics of the transaction are more favorable i.e. the fees and charges/brokerage etc. per investment ringgit are likely to be less. Because fund managers invest in larger amounts, they are able to get access to wholesale yields and products which are impossible for the individual investor to obtain. For instance, unlike unit trust funds, most individual investors cannot have direct access to the Malaysian Government Security market because, amongst other reasons, the amount of each transaction could run into millions of Ringgit.

-> The Comfort of Regulation – With the introduction of unit trusts in Malaysia came regulation from various regulators, especially the Securities Commission. The entire range of variables relating to the unit trust industry is governed by various legislations.The sole purpose of such regulations is to protect the interest of the investing public. Regulations provide investors with a level of comfort that they are investing in a safe investment mechanism.

Different between Unit Trust Investment and other types of savings – Average Potential Return….(pa)

Saving Account                1% – 2%

Fixed Deposit                    3% – 4%

Tabung Haji                        4.75%

EPF (KWSP)                        4% – 7%

ASB / ASN / ASW             7% – 9%

Unit Trust : 10% – 15%

Return Gain for FD, EPF, ASB/ASN & Unit Trust – Based on RM1,000 investment

1,000

FD

EPF

ASB

Unit Trust

Year

3%

5%

8%

12%

15%

1

 1,030.00 1,050.00 1,080.00 1,120.00 1,150.00

2

 1,060.90 1,102.50 1,166.40 1,254.40 1,322.50

3

 1,092.73 1,157.63 1,259.71 1,404.93 1,520.88

4

 1,125.51 1,215.51 1,360.49 1,573.52 1,749.01

5

 1,159.28 1,276.29 1,469.33 1,762.34 2,011.36

10

 1,343.92 1,628.92 2,158.93 3,105.85 4,045.56

Still don’t trust?

HOW TO INVEST???

Method 1: LUMP SUM – Minimum RM500.00.

Method 2: Regular Saving Plan – Lump Sum + Monthly saving (minimum RM200).

Method 3: EPF / KWSP Saving (Account 1*).

For more details, contact:

Mardiah Bt Mohamed Aris

HP No: +6012 – 6172962

Email: mardiah.aris@yahoo.com

Website: https://malaysiainvest.wordpress.com

Blog: http://c-investment.blogspot.com

“If you fail to plan, you are planning to fail”