Tiada penipuan kerana saya sudah miliki..Anda??

Program yang boleh jana wang secara percuma sekiranya ada org daftar. Pendaftaran free, sungguh tidak tipu...Jika demikian anda akan perolehi:-

20 org free mmber = RM20.00
50 org free mmber = RM 60.00
100 org free mmber = RM 100.00 + jus maqui
boleh klik dftar percuma di bhagian bawah

http://www.maquibuilder.com/mafbe4163
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What Is A Unit Trust And How Does It Work?

A unit trust is a professionally managed investment fund which pools your money with that of many other investors with similar investment objectives. The aggregate sum is then used by the fund to build a diversified investment portfolio which comprises stocks, bonds and other assets in accordance with the investment objective of the fund. 
The price of a unit reflects its total Net Asset Value, commonly referred to as NAV (the fund’s assets less its liabilities, divided by the number of units in issue). Unlike stocks, whose prices are subject to change at each trade, the fund’s NAV is calculated only at the close of each day’s trading. Hence the fund’s unit price is quoted in major newspapers on the following Business Day. 
To protect your rights and interests as investors, an independent Trustee is appointed to ensure compliance of the Manager with the requirements of the Trust Deed, Securities Commission Guidelines on Unit Trust Funds and Securities Commission (Unit Trust Scheme) Regulations 1996. The manager is also required to appoint an approved Company Auditor (within the meaning of the Companies Act 1965) for the purpose of conducting annual audits of the Fund’s accounts which must be included in the fund’s annual report. 

What are the Benefits of Investing in a Unit Trust?
 
Diversification – the spreading of risks over a wide variety of securities in different sectors. Normally to do this, you must have a substantial amount of money to buy a diversity of stocks. However, unit trust funds facilitate this by providing small savers with an opportunity to pool their savings to invest in a diversified portfolio of stocks or you could think of it as "not putting all your eggs in one basket".
 
Professional Fund Management – your ability to employ a team of well-trained, in-house investment professionals who conduct full-time regular investment research and analysis in managing the assets of the Fund. With such investment expertise, research facilities and information network, sound investment decisions may be made. 
 
Liquidity – you can redeem all or part of your units on any Business Day and the Manager will purchase them. 
 
Hassle Free – you need not trouble yourself with complicated decision making and arduous paperwork involved in investment in the securities market. 
 
Affordability – you only need a small amount of money to participate in a professionally managed portfolio of investment and enjoy the same benefits accorded to others when investing in high priced securities. At the same time, you can also reap better returns from a portfolio of investment as opposed to the limited number of securities which one can invest individually. 
 
Comparison of Unit Trusts with Direct Investments in the Stock Market & Fixed Deposits
 
Unless a person has a very large amount of cash for direct investments in individual stocks, he may not be able to achieve a sufficient level of diversification. Losses in one or more of his stocks may substantially reduce the value of his portfolio. Unit trusts, on the other hand, have a diversified portfolio and losses in some of the stocks held are offset by gains in others. Nevertheless, a person with an unverified portfolio may reap great returns if one or more of his stocks increase in value. Unit trust prices rise more gradually when some of its stocks' prices increase as the unit prices are based on the total value of the portfolio.
Fixed deposits are generally safe and the returns are guaranteed. Nevertheless the returns are generally lower and may be eroded by inflation. Unit trusts generally aim to achieve returns that are higher than fixed deposits but such investment carries the risk that losses may be incurred.
 
Who Regulates The Unit Trust Schemes In Malaysia? 
 
The Securities Commission is the main regulatory body governing the establishment and operations of unit trusts in Malaysia under the Securities Commission (Unit Trust Scheme) Regulations 1996. This requires that the Manager and Trustee execute a Trust Deed, registered with the Securities Commission. You may purchase a copy of the Trust Deed which is registered with the Securities Commission for inspection at the Manager’s office.
 
Managed funds vs. index funds
So, what's best for you? Historically, most index funds have beaten the vast majority (often over 75%) of all active funds. The reason for this is costs. Since fees leave most funds under performing the market indices, the key is to find a fund that at least matches the market and has minimal fees, i.e., go for index funds.



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New Ladies Fashion Trend

Kami adalah pemborong bag & baju online,baju lelaki & perempuan pun ada
Smua adalah ready stock yea Fesyen terbaru dr korea & Taiwan
Kalau berminat boleh beritahu i, so i boleh bagi tengok price n barang kmi


CIMB - 0107-00004276-20-7
MBB - 1647-990123-95
Mohammad Abdullah Fahmi
(email: mafbe4163@gmail.com)

After bank in do provide me with the payment details as below (send here) to proceed

Method: (Cash deposit or Transfer from your account?)
Payer Name : (Your name)
Bank in to which bank: (our Maybank or CIMB)
Bank of Transfer : (Bank name of your account)
Date of Transfer : (Date of money deposited or transferred)
Time of Transfer : (Time of money deposited or transferred)
Amount : (Money deposited or transferred)
Shipping Address : (location to send items)
Contact number : (Personal mobile phone number)
Payment Evidence Details : (Reference number, scan of physical copy slip, or print screen transferred screen)


First pay 1st serve basis, reservation hanya dgn full payment, sbb byk yg backout lepas reserve

Kos phantaran:-
SEMANJUNG : GUNA ABX/SKYNET
SBH/SRWK: E PARCEL OR LAJU BY POS M'SIA
OVERSEA: NORMAL POS OR LAJU BY POS M'SIA

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U boleh trus check page kami untuk status stok, untuk double confirm boleh “PM” kami di Facebook atau Email.

Item yg sold out, boleh direstock semula/pre order dgn full payment
details spt ni :-

•  All pre order clothes and bags need to be submitted before 1 pm of every 15th and 30th of the month. All order must be submitted with complete details and full payment to proceed.
• Item estimated to arrive after 2-4 weeks :) 
• Out of stock item will be informed as soon as we are being informed by factory. Out of stock item can be replaced with other item or refunded. Please place order only if you can wait for it.Thanks :)

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Postage fee:

Semenanjung

* BAG = RM 8.00
* 1pc BAJU = RM 6.00
* 1pc PERFUME = RM 6.00

Sabah & Sarawak

 * Bag = RM 11.00
* 1pc BAJU = RM 8.00
* 1pc PERFUME RM 9.00

Add RM2 untuk setiap  pcs tambahan

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The Award Lists just get longer for Public Mutual.

On June 30, 2008, Public Mutual received the BrandLaureate Award 2008 in the Financial Services - Investment Funds Category. This is the second consecutive year the company is awarded the prestigious accolade which is presented to the best brands from various industries in Malaysia and the Asia Pacific region. Public Mutual director Dato’ Lee Kong Lam accepted the award on the company’s behalf during the awards ceremony at Sunway Resort Hotel.

Winner for the awards were selected based on a points system covering brand strategy, brand culture, integrated brand communications, brand equity and brand performance. Public Mutual’s parent company, Public Bank, also won the award for brand excellence in the Financial Services – Banking & Finance Category at the same awards ceremony.

The secret of investing in Unit Trust

There are 3 common strategies used in unit trust investment.

1. Ringgit Cost Averaging

Regularly invest a fix amount in a unit trust fund regardless of market trend is called the Ringgit Cost Averaging strategy. The actual market performance is fluctuating. When the equity market is high, you buy less unit with the same amount. When the market is low, you buy more unit. For long term, you will get much more unit in the lower price range.

2. Portfolio Re-balancing

Portfolio re-balancing is the process of bringing the different asset classes back into proper relationship following a significant change in one or more. More simply stated, it is returning your portfolio to the proper mix of stocks, bonds and cash when they no longer conform to your plan.
Example:
You start investing 50% in equity and 50% in fixed income fund.
1 year later, the equity rises and now your portfolio consist of 80% equity and 20% fixed income fund.
To re-balance your portfolio, you should sell 30% of your total fund in equity and invest it in fixed income fund so that the portfolio is maintained.
This is the simple principle of buying low, and selling high.
If you are investing with Fundsupermart, you can easily do fund switching of your unit trust portfolio by logging into your account online. There are no switching fees involved and you can switch between different unit trust companies.

3. Switching

Switching will lock in the gain you made in your unit trust investment. Switching fees are low and definitely lower than the upfront service charge. When you are making profit from an equity fund, you can switch it to some lower risk fund to lock the gain instead of selling it for cash. When the market turn low, you can switch it back to equity fund.

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Savings Return turned negative? Unit Trust is your answer!

Let's see this simple equation:

Real Interest Rate = Rate-(tax+rate of inflation)

Based on the article published on The Star ( the link to the article here)

Based on the January 2009 Consumer Price Index of 3.9%, savings which offer the best rate (Fixed Deposit offers the rate of 2.50%) are already in the red!!! Which means, even if you save all your money safely in the bank, your money is losing value every moment. This is the POWER OF INFLATION!

So why are you keeping your money there? Oh ya.. I know, you will said it's safe, no risk..ya, sure! Of course no risk, cause it's a CERTAINTY that you will be losing the value of your money!

Sure enough, when Fixed Deposits offer interest rates of more than 10%, you will go for FD and deemed unit trust a risk..but now?

FD always offer certainty, and now it's certain to LOSE, and unit trust is the opportunity (instead of risk) to earn REAL INTEREST.

Shares recovery! Have you missed it?

For those who have not taken the advice of Warren Buffet that you should be greedy when others fear, you would have missed this recovery.

Ultimately, we should have an asset allocation depending on our financial needs. If you still have a stable job, you should be thinking of dumping in the most money into your investments now. You shall be handsomely rewarded when the market fully recovers. Over the 6 weeks the S&P 500 have recovered by 28%. This is also happening in other countries stock exchanges. Although it is still too early to tell if the market has reached its bottom but if one takes a long term view, this period is the best to invest when prices of shares and unit trust funds are still at its very bottom. History will repeat itself and people who have invested during periods of low will ultimately be rewarded when the market recovers. So take a long term view and let’s jump back into the market.