Kemelut politik tidak jejaskan potensi Malaysia

Utusan Malaysia,

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Kuala Lumpur 25 Jun, - Ketidaktentuan dalam senario politik tempatan dilihat tidak akan menjejaskan potensi Malaysia sebagai destinasi pelaburan dalam pasaran Negara-negara baru muncul.

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Pengarah Eksekutif Principal Global Investor, Tim Dunbar mendakwa, di dalam dunia pelaburan, aspek keuntungan merupakan faktor paling penting yang mendahului perkara-perkara lain.

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Beliau berkata, politik bukan risiko utama dalam pelaburan kerana secara teorinya pelaburan itu sendiri memang suatu aktiviti mencari keuntungan yang berisiko.
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“Meskipun Malaysia tidak pernah mengalami dalam perubahan politik sepertimana hari ini tetapi situasi politik negara secara umumnya masih baik...

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“Sebab itu, saya berpendapat iklim pelaburan di Malaysia masih efisien dan berpotensi,” katanya di sini hari ini.

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Beliau berkata demikian dalam taklimat media mengenai peluang-peluang pelaburan dalam pasaran baru muncul global.

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Dalam taklimat itu, Dunbar berkata, negara-negara baru muncul merupakan pasaran baru yang cukup berpotensi untuk diterokai oleh para pelabur. Sambil enggan menamakan Negara yang memiliki pelaburan terbaik, beliau berkata, negara-negara baru muncul akan menjadi pasaran yang begitu menguntungkan dalam tempoh tiga hingga empat tahun lagi.
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Di antara faktor yang menjadikan pasaran ini sebagai lokasi pelaburan strategik adalah pengeluaran komoditi yang kukuh harganya, pertumbuhan dalam rizab pertukaran wang asing, struktur inflasi yang rendah dan tidak terjejas dengan krisis subprima Amerika Syarikat, kata beliau.
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Katanya, Negara-negara baru muncul itu juga mempunyai imbangan akaun sebanyak satu perempat daripada Keluaran Dalam Negara Kasar dunia.

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PRODUK TAK ISLAMIK ..

CONVENTIONAL FUND
>
<
Equity
- Local
1. CIMB-Principal Equity Aggressive Fund 1
(formerly known as SBB Strategic Equity Fund)
2.CIMB-Principal Equity Aggressive Fund 2
(formerly known as SBB Sector Rotation Fund)
3.CIMB-Principal Equity Fund
(formerly known as SBB Premium Capital Fund)
4.CIMB-Principal Equity Fund 2
(formerly known as SBB High Growth Fund)
5.CIMB-Principal Equity Fund 3
(formerly known as SBB Value Fund)
6.CIMB-Principal Equity Fund 4
(formerly known as SBB HGF Sequel Fund)
7.CIMB-Principal Equity Income Fund
(formerly known as SBB Equity Income Fund)
8.CIMB-Principal KLCI-Linked Fund
(formerly known as SBB Index-Linked Fund)
9.CIMB-Principal KLCI-Linked Fund 2
(formerly known as SBB Composite Index Fund)
10.CIMB-Principal Small Cap Fund 2
(formerly known as SBB Emerging
Companies Growth Fund).
-Regional
11.CIMB-Principal Asian Equity Fund
(formerly known as SBB Asian Equity Fund)
-Global
12.CIMB-Principal Global Growth Fund
(formerly known as SBB Global Growth Fund)
-Hybrid
13.CIMB-Principal Equity Growth Fund
(formerly known as SBB Crystal Equity Fund)
14.CIMB-Principal Equity Growth & Income Fund
(formerly known as SBB Double Growth Fund)..
>
>
Fixed Income
-Local
15.CIMB-Principal Bond Fund 2
(formerly known as SBB Bond Fund)
16.CIMB-Principal Returns Guaranteed Fund Series 1
(formerly known as SBB Returns Guaranteed Fund).
.
.>
Money Market
17.CIMB-Principal Money Market Fund
(formerly known as SBB Money Market Fund)..
>
>
Mixed Asset
-Local
18.CIMB-Principal Balanced Income Fund
(formerly known as SBB Savings Fund)
-Global
19.CIMB-Principal Global Balanced Fund
(formerly known as SBB Global Balanced Fund)
-Hybrid
20.CIMB-Principal Balanced Growth Fund
(formerly known as SBB Retirement Balanced Fund)
.
.

PRODUK ISLAMIK...

ISLAMIC FUND
>
>
Equity
- Local
21. CIMB Islamic DALI Equity Growth Fund
(formerly known as SBB Dana Al-Ihsan)
22. CIMB Islamic Enhanced Index Fund
(formerly known as SBB Dana Al-Hikmah)
23. CIMB Islamic Micro Cap Fund
(formerly known as SBB Dana Al-Faiz)
24. CIMB Islamic Small Cap Fund
(formerly known as SBB Dana Al-Azam)
-Hybrid
25. CIMB Islamic DALI Equity Fund
(formerly known as SBB Dana Al-Ihsan 2)
26. CIMB Islamic Equity Fund
(formerly known as SBB Dana Al-Ikhlas)
.
.
Fixed Income
27. CIMB Islamic Sukuk Fund
(formerly known as SBB Dana Al-Hafiz)
.
.
Mixed Asset
-Local
28. CIMB Islamic Balanced Income Fund
(formerly known as SBB Dana Al-I'tidal)
-Hybrid
29. CIMB Islamic Balanced Fund
(formerly known as SBB Dana Al-Mizan)
.
.

Understanding Risk

Any investment carries with it an element of risk. Therefore, prior to making any investment, prospective investors should consider the following risk factors:

1. Market Risk
Any purchase of securities will involve an element of risk, As unit trust funds principally invest in listed stocks they may be prone to changing market conditions as a result of global, regional or national economic conditions, governmental policies or political developments. Market uncertainties and fluctuations in the market caused by these uncertainties will affect the net asset value(NAV) of unit trusts which may fall or rise, thus causing the income generated by the fund to fluctuate.

2. Liquidity Risk
The various securities that are purchased by a fund may encounter liquidity risk. Liquidity risk relates to the fund’s ability to quickly and easily trade at a reasonable price, in and out of positions. Should a fund comprise a security that has become temporarily or permanently illiquid or difficult to sell, the fund manager may need to sell the security at a discount to its fair value, which eventually affects the fund’s value.

3. Management Risk
Performance of the fund depends on the experience, expertise, knowledge and investment techniques of the fund manager. Poor management of a fund can cause considerable losses to the fund, which in turn may affect the capital invested.

4. Inflation Risk
Ideally the purpose of any investment is to secure returns that are greater that the inflation rate. While a fund will constantly seek to maximize returns and exceed inflation rate, it may occasionally experience losses, which result in returns that will not keep pace with inflation in the short run.

5. Interest Risk
Fixed income securities and bonds are particularly sensitive to movements in interest rates. When interest rates rise, the value of fixed income securities and bonds fall and vice versa, thus affecting the NAV of the fund. The general interest rate of the country may affect the value of the investment even if the fund(e.g Syariah Fund) does not invest in interest bearing instruments.

Type Of Unit Trust

1. Equity Funds
An equity unit trust is the most common type of unit trust. The major portion of its assets are generally held in equities or securities of listed companies.
Equity unit trust funds are popular in Malaysia as they provide investors with exposure to the companies listed on Bursa Malaysia. The performance of the units is therefore linked to the performance of Bursa Malaysia. A rising market will normally give rise to an increase in the value of the unit and vice-versa.
There is a wide array of equity unit trusts, available in the market, ranging from funds with higher risk, higher returns to funds with lower risk, lower returns.

a. Aggressive growth funds
These funds invest generally in companies with higher capital growth potential but with associated higher risk

b.Index funds
These funds invest in a range of companies that closely match (or “track”) companies comprising a particular index.

c.International equity funds
These funds invest primarily in overseas share markets.


2. Fixed Income Funds
These funds invest mainly in Malaysian Government Securities, corporate bonds, and money market instruments such as bankers acceptance and fixed deposits. The objective of a fixed income (or bond) funds is usually to provide regular income, with less emphasis on producing capital growth for investors. It is possible, however, for fixed income funds to generate both capital gains and losses during a period of volatile interest rate.


3. Money Market Funds
Money market funds operate in a similar way to a bank account-the unit price is normally set at a fixed amount. Money market funds invest in low risk money market instruments that are in effect short-term deposits(loans) to banks and other-low risk-financial institutions, and in short-term government securities.

4. Real Estate Investment Trusts (REITS)
REITs invest in real properties, usually prominent commercial (office) properties and provide the investor with an opportunity to participate in the property market in a way which is normally impossible to the small time investor. By acquiring units in a listed REITS, however, it is possible to invest a small amount to gain exposure to the property market and have diversification in your portfolio.

5. Exchange Traded Funds (ETF)
ETF is linked unit trust fund whose investment objective is to achieve the same return as a particular market index. ETF often have low expense ratios and can be bought and sold throughout the trading day through a stockbroker, on an exchange.

6. Balanced Funds
Some investors may wish to have an investment in all the major asset classes to reduce the risk of investing in a single asset class. A balanced unit trust fund generally has a portfolio comprising equities, fixed income securities, and cash.

7. Syariah Funds
The main objective of Syariah funds is to provide an alternative avenue for investors sensitive to Syariah requirements. Syariah funds will exclude those companies involved in activities, products or services related to conventional banking, insurance and financial services, gambling, alcoholic beverages and non-halal food products.

Getting Started?

There are four major ways to start investing in unit trusts:

Lump Sum Purchases
This is where an investor has a lump sum to invest into a unit trust. This may be the only investment the investor wishes to make. Over a period of time (3-20 years), the initial investment will increase as distribution and other income is earned by the fund. When redemption or sale of the units take place, the unit-selling price will reflect the accumulation and compounding of capital over the relevant periods. It is this compounding effect over time which makes accumulation type investments, such as unit trusts, so attractive to the investor.

For example, someone who has recently inherited a sum of money may wish to invest the funds into a unit trust and hold it for an extended period to save for some specific purpose. e.g. children's education. At the end of the holding period, the proceeds of the sale of the units will be the initial investment plus the returns on that amount, accumulated over the period.

Regular Savings
Some people invest in unit trusts by making regular (e.g. monthly) contributions to their fund. This is an ideal, disciplined and useful way to accumulate capital for a future need. By making regular contributions over a period of time, the sum accumulated at the end of the period will increase. This is commonly known as dollar cost averaging.
At the end of the period, the redemption (or sale) price of the units held will represent the accumulation of all contributions, plus returns generated from the total contributions since the first purchase was made. The effect is more noticeable the longer the holding and contribution period. This form of savings is the basis of most pension fund accumulation e.g. the Employees Provident Fund.

EPF Transfers
Investors may also invest in unit trust funds through transfers of eligible amounts from his EPF account 1. EPF members who have savings of at least RM6,000.00 (Based on 18 Years old) in account 1, are eligible to withdraw RM1,000.00 from their EPF savings to invest in unit trusts.

Note: Amount of investment may vary, depends on basic savings in EPF account 1 over age of investor.

Simple Calculation
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= Amount in EPF account 1 - basic savings = Balance x 20% = Amount to invest in unit trusts
Roughly... a Minimum of RM1,000.00 can be invest from

..Age 20, EPF Account 1: RM8,000.00
..Age 25, EPF Account 1: RM14,000.00
..Age 30, EPF Account 1: RM23,000.00
..Age 35, EPF Account 1: RM34,000.00
..Age 40, EPF Account 1: RM49,000.00
..Age 45, EPF Account 1: RM69,000.00
..Age 50, EPF Account 1: RM95,000.00
..Age 55, EPF Account 1: RM125,000.00


.... call me for more details....

Borrowing
Although an investor may obtain a loan from a financial institution for the purpose of investing in unit trust funds, investors should seek appropriate advice as there are additional risks involved when using borrowings to finance an investment in unit trust funds.

History of Unit Trusts

Malaysia introduced the unit trust concept relatively early compared to its Asian neighbours, when, in 1959, a unit trust was first established by a company called Malayan Unit Trust Ltd.
The unit trust industry in Malaysia has therefore a history of more than four (4) decades. The development of this industry can be presented in chronological order as follows:

The Development of Unit Trusts
The Formative Years: 1959 -1979
The first two decades in the history of the unit trust industry were characterised by slow growth in the sales of units and a lack of public interest in the new investment product. Only five unit trust management companies were established, with a total of 18 funds introduced over that period. The industry was regulated by several parties including the Registrar of Companies, The Public Trustee of Malaysia, Bank Negara Malaysia and the Ministry of Domestic Trade and Consumer Affairs.
The 1970s also witnessed the emergence of state government sponsored unit trusts, in response to the Federal Government's call to mobilise domestic household savings.

The Period from 1980 to 1990
This period marks the entry of government participation in the Unit Trust Industry and the formation of a Committee to regulate the unit trust industry, called the Informal Committee for Unit Trust Funds, comprising representatives from the Registrar of Companies (ROC), the Public Trustee of Malaysia, Bank Negara Malaysia (BNM) and the Capital Issues Committee (CIC).
The 1980s marked a significant development in the history of the industry when the Skim Amanah Saham Nasional (ASN) was launched by Permodalan Nasional Berhad (PNB) in 1981. Despite only 11 funds being launched during this period, the total units subscribed by the public swelled to an unprecedented level because of the overwhelming response to ASN.
The 1980s also witnessed the emergence of more unit trust management companies, which were subsidiaries of financial institutions. Their participation facilitated the marketing and distribution of unit trusts through bank's branch network which widened investor reach.

The Period from 1991 to 1999
This period witnessed the fastest growth of the unit trust industry in terms of the number of new management companies established, and funds under management. The centralisation of industry regulation, with the establishment of the Securities Commission on 1 March 1993, coupled with the implementation of the Securities Commission (Unit Trust Scheme) Regulations in 1996 and extensive marketing strategies adopted by the ASN and ASB (Amanah Saham Bumiputera), played key roles in making unit trusts household products in Malaysia. Consequently, the total asset value of funds under management grew more than threefold from RM15.72 billion at the end of 1992 to RM59.95 billion at the end of 1996. The period also saw greater product innovation and deregulation of the industry.
Although the pace of growth of local unit trust funds has moderated since the financial crisis of 1997-1998, it has nevertheless maintained its upward trend.

The Period from 2000 to current
In 2005 the unit trust industry experienced another year of strong growth which saw the net asset value of managed funds capitalising 14.2% of Bursa Malaysia’s market at RM98.5 billion at the end of 2005. Further, the liberalisation of overseas investment rules (such as the increase in overseas investment limit from 10% to 30%) by Bank Negara Malaysia has seen unit trust management companies launching numerous offshore funds or realigning investment strategies of domestic funds to invest offshore up to the permitted limit which resulted in the launch of 10 offshore funds with an intended overseas investment exposure of more than 50%. As at the third quarter of 2006 the number of offshore funds with an intended overseas investment exposure of more than 50% is 38 which is clear evidence of the continued interest by the investing public for a better slice of the overseas market.

Apakah dia Unit Trust?

Masih ada yang bertanya.. masih ada yang tertanya-tanya.. tidak kurang juga yang tahu tapi tidak mahu membantu.. masih ramai yang tak mahu ambil tahu... untuk mereka yang ingin dibantu... bacalah...

Apakah dia Unit Trust (amanah saham)?

Amanah saham adalah 1 bentuk pelaburan terkumpul yang membenarkan pelabur-pelabur yang mempunyai objektif pelaburan yang sama dimana dana/modal mereka dikumpulkan dengan tujuan untuk dilaburkan kedalam portfolio of securities atau aset-aset.

Satu pengurus dana yang professional (cth CIMB Wealth Advisors) kemudiannya melaburkan dana-dana yang telah dikumpulkan kedalam satu portfolio yang meliputi kelas-kelas aset seperti yang disenaraikan dibawah:

1. Tunai (Cash)
2. Bon dan Deposit (Bonds & Deposits)
3. Saham-saham (Shares)
4. Hartanah (Property)
5. Komoditi-komoditi (Commodities)

Dengan itu, pemegang unit (pelabur) tidak perlu membeli securities secara terus / langsung. Pemegang unit ini pula akan dibahagikan unit-unit yang layak. Apabila nilai dana (fund) naik atau turun, nilai unit juga akan naik dan turun. Bilangan unit-unit yang diberikan pula bergantung kepada harga unit pembelian pada permulaan pelaburan dan jumlah wang yang dilaburkan.

Pulangan pelaburan kepada pemegang unit (pelabur) biasanya dalam bentuk income distribution dan capital appreciation. Ia akan dikeluarkan dari himpunan aset-aset untuk menyokong dana amanah saham (unit trust fund). Setiap unit menerima pulangan yang sama, ditentukan oleh aras pembahagian dan/atau capital appreciation dalam 1 tempoh masa tertentu.

Pelabur-pelabur amanah saham kebiasaannya adalah mereka yang menyimpan untuk melabur,

mereka yang tidak mempunyai masa atau kesanggupan untuk memegang portfolio bagi pelaburan-pelaburan terus saham. Mereka lebih suka melabur di dalam satu tempat yang selamat, tempat pelaburan yang mempunyai reputasi yang menepati tujuan-tujuan mereka. Selain itu, Amanah saham membenarkan pelabur-pelabur mengakses dengan mudah kepada pendedahan pelaburan yang kebiasaannya tidak ada untuk mereka.

Oleh kerana pelabur-pelabur mahukan pulangan-pulangan yang maksima dari sumber-sumber kewangan mereka, maka amanah saham memberikan laluan yang paling ideal untuk mereka mendedahkan diri kepada pelaburan-pelaburan, yang mana dalam jangka masa panjang, boleh menghasilkan pulangan yang sangat banyak kepada pelaburan simpanan tunai dan deposit tunai mereka!

Kos bagi potensi pulangan-pulangan yang tinggi ini tentunya risiko. Setiap pelaburan mempunyai risiko. Dalam jangka masa pendek, pulangan-pulangan pelaburan bagi semua produk amanah saham adalah lebih rendah dari yang ditawarkan untuk fixed deposits. Namun dalam jangka masa sederhana hingga jangka masa panjang (cth: 3 - 20 tahun) pelaburan-pelaburan amanah saham keseluruhannya memberikan pulangan yang sangat lumayan pada kadar risiko yang sangat munasabah.

....... Huraian lanjut akan diberikan lagi... tunggu...

Guidance..

Investors interested in:------------Should invest in:
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Growth-----------------------------Stock Funds
Income-----------------------------Bond Funds
Safety of Principal---------------Government Bond Funds
Immediate Liquidity----------------Money Market Funds
Maximizing Current Income----Corporate Bond Funds

Regular Investment

Invest regularly at a specific interval takes the guess work and emotion out of investing. The disciplined approach of Ringgit cost averaging in a Unit Trust Fund of your choice evens out fluctuation in unit price. Investors could save themselves a lot of time, effort and money by beginning a plan.


What is Ringgit-Cost Averaging (RCA)?
RCA is a strategy in which you invest a fixed amount on a regular basis, usually monthly purchase of units in a unit trust fund. Your regular investment purchases less units when prices are high and more units when prices are low. By averaging the unit price paid, your average cost per unit will be lowered.

How Does It Work In Unit Trust Investment?

The table below shows investor A consistently invests RM3,000 on monthly basis into a unit trust fund for 10 months.


Month----NAV per unit (RM)----Monthly investment (RM)----Units accumulated
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1 ---------------0.8876------------------------3,000------------------------ 3,379.90
2 ---------------0.8963----------------------- 3,000------------------------ 3,347.09
3 --------------- 0.9231-----------------------3,000------------------------ 3,249.92
4 --------------- 0.8756-----------------------3,000------------------------ 3,426.22
5 --------------- 0.8428-----------------------3,000------------------------ 3,559.56
6 --------------- 0.8289-----------------------3,000------------------------ 3,619.25
7 --------------- 0.7936-----------------------3,000------------------------ 3,780.24
8 --------------- 0.9981-----------------------3,000------------------------ 3,005.71
9 --------------- 1.0169-----------------------3,000------------------------ 2,950.14
10 -------------- 1.1231-----------------------3,000------------------------ 2,671.18
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---------------------------------------Total: 30,000------------------------ 32,989.23

Results:
Average cost per unit: RM0.9094
Average NAV (10 months): RM0.9186

As illustrated, with a monthly investment amount of RM3,000, investor A is able to accumulate more units when the NAV is low and fewer units during the time NAV rising. During the 10 months, investor A accumulated 32,989.23 units at average cost of RM0.9094. The average cost is lower than the average NAV for the same period which is RM0.9186.

Before you begin

1. Decide how much money you wish to invest monthly, making sure that you are able to invest consistently

2. Select the Unit Trust Fund(s) applicable to your risk profile

3. Select your preferred payment mode which allows auto-deduction from your bank account or credit card on a monthly basis

Types of Payment Mode for Regular Investment

At CIMB Wealth Advisors, we take away the hassles of investment by allowing regular investment via:

(a) Auto-Payment through your CIMB Bank MasterCard

(b) Progressive Payment Instruction through your Savings or Current Account maintained with CIMB Bank

(c) Auto debit service through your Savings or Current Account maintained with Maybank, Bank Simpanan Nasional, RHB Bank, EON

For more info please contact me.

World Bank: Positive outlook for Malaysia

16-06-2008:

KUALA LUMPUR: In the midst of a challenging environment, the World Bank remains positive on the outlook of growth for Malaysia.

“We remain very optimistic in general for East Asia and Malaysia specifically. We see a government that is working hard on the issues that it’s being confronted with. We believe the growth can be sustained,” said World Bank vice-president of East Asia and Pacific Region, James Adams.

“It is not just with Malaysia but more generally, the price changes for last year have presented strong economic challenges to governments. All governments are struggling with those issues and we are pretty confident the governments will come to grips with that,” he added.
Speaking to reporters on the sidelines of the World Economic Forum on East Asia, Adams said the recent changes the Malaysian government had put into place showed that it was committed to coming to grips with the problems it was facing.

“I think the Malaysian government has been an interesting government in terms of macro policy. By international standards it has done a consistently good job. It’s easy to go through a prescription of what the books tell you to do.

“What is hard is for governments reflecting on their particular circumstances to decide how they can implement it effectively, given the political and economic concerns. On those measures, I think Malaysia has done a good job and so we are pretty confident that that record is going to continue,” said Adams.

He said the concern on inflation today was what complicates decisions on policies.
“It makes it hard. When you have price stability, you have more flexibility. I think what we are seeing is, there is no lack of attention on this issue. Everybody sees inflation as a key constraint. The challenge is what policy prescription in a country’s specific situation is best to deal with that,” he pointed out.

“If you are an oil exporter, you are benefiting right now in terms on oil price but you still have to manage the inflation. Every country has to look at its particular circumstances and make decisions on that,” he added.

Nevertheless, Adams reckoned the speed of adjustment to changes in the economic environment had improved. “The speed of adjustment relative to historical times has increased. We know a lot more of what’s going on in the economy and how that can be effectively addressed and that’s the encouraging message that one sees,” he said.

“We see a pragmatic adjustment to the new realities. The speed of adjustment has been aggravated in terms of the special problems the US has been confronted such as the financial and the subprime crises. But we see that evolution is continuing.

“We are quite optimistic that the overall growth rates are going to be sustained. It’s not clear where the US is but it appears to be growing marginally. Most people are predicting 1% growth. I think it’s everybody’s interest that the growth rate increase but that will happen after the financial problems of the subprime crisis are over,” he added.

However, with the slowdown in the US thereby causing a decline in export demand from there, Adams said the decrease in export demand from the US had been offset by the growth in the European nations.

“We continue to see a very strong dynamic East Asia. We do see some shifting going on in terms of the sources of markets. Growth rate in US slowing and the input growth rate is slowing. But the better growth rates of Europe some what compensated for that,” he pointed out.

CIMB Islamic DALI Equity Theme Fund Doubles Fund Size

19 June 2008

Kuala Lumpur: The CIMB Islamic DALI Equity Theme Fund, launched by CIMB-Principal Asset Management Berhad in March 2008, has more than doubled its fund size due to overwhelming response. The Fund’s size has now been increased to 1.35 billion units from 900 million units. This is the second time the Fund has been increased from its initial size of 600 million units to 900 million units in May 2008.

According to Datuk Noripah Kamso, Chief Executive of CIMB-Principal, the encouraging response is proof that investors recognise the investment opportunities the Fund has to offer. “This Fund invests in Malaysia’s promising sectors, hence we were confident that it would be well-received by investors who seek to offset their investment volatility caused by other markets. It was structured in the best interest of the investors, as an option to re-route their eligible EPF contributions into this Fund,” she said.

The CIMB Islamic DALI Equity Theme Fund is a Shariah-compliant fund that invests in Malaysian companies that will benefit from prevailing global and domestic investment themes. The Fund invests in sustainable sectors that potentially give long-term, enhanced returns. These include the oil and gas sector, which is driven by global energy demand, the plantations sector, which enjoys escalating crude palm oil prices, and the construction sector, which is expected to benefit from development projects under the Ninth Malaysia Plan.

According to Tan Beng Wah, Chief Executive Officer of CIMB Wealth Advisors, the Fund gives investors the opportunity to build a portfolio comprising specific sectors of domestic equities as part of their core asset allocation strategy. He said: “We are happy to inform investors that additional units are now available for those who have yet to take advantage of this investment opportunity and also for our investors who want to increase their exposure to this opportunity.”

The CIMB Islamic DALI Equity Theme Fund seeks to provide investors with medium to long term capital appreciation by investing in Malaysian securities according to prevailing investment themes. The Fund will invest up to 98% of its Net Asset Value in Shariah-compliant equities listed on Bursa Malaysia.

Artikel dah lama tapi bagus untuk rujukan...

Malaysia

Published: 01 December, 2007 Page: 128

CIMB Group

The figures speak for themselves, with Tier 1 capital, assets and net profits up between 47.64% and 64.04% in the year.

CIMB Group has proven itself to be Malaysia’s most successful bank, thanks to a strategic transformation process aimed at creating a strong and dynamic banking group in south-east Asia, as well as the domestic Malaysian market.

The process began with the creation of a universal banking platform through several strategic M&As between 2005 and 2006. In 2005, CIMB completed the takeover of stockbroker GK Goh Securities, which led to the formation of CIMB-GK, headquartered in Singapore, offering institutional and retail broking, research, wealth management, investment banking and advisory services. The same year, CIMB announced a merger with BCB. The acquisition of SBB last year further strengthened the group’s consumer banking franchise, particularly in areas like credit cards and direct banking. As a result, the bank’s share price soared 36% and CIMB Group’s ranking rose from 11th to third-largest listed company by market capitalisation on Bursa Malaysia.

The bank’s financial performance and product innovation were achieved despite an overarching transformation agenda across the group. The systems and IT integration with the merged SBB was completed in seven months, arguably one of the speediest integration processes worldwide. This exercise involved 46 merger teams, 383 branches and numerous group-wide divisions working to integrate every aspect of the business. Despite the additional workload, CIMB Group made significant progress in long-term capacity building while surpassing its primary financial targets.

“We merged three banks in record time, launched a new brand identity and outperformed our targets over the past 12 months,” says chief executive Nazir Razak. “Clearly, this award recognises our success and the fact that CIMB Group continues to lead the pack in regional expansion, innovation and foresight.

“Looking ahead, we will continue to drive efficiency into the different arms of our business, with a very clear view of providing value-added and differentiated products and services to our customers across the region.

“We are on our way to achieving our vision, which is to be south-east Asia’s most valued universal bank. Being voted best bank in Malaysia for the second year running is another feather in our cap as we strive for that goal.”

Fikirkan..

DaLam Kesempitan ada KESEMPATAN

buat pilihan bijak melaburlah dalam CIMB Unit Trust sekarang.

Hubungi saya segera untuk maklumat lanjut:

Syamsul

0196798639/0196666404

Unit Trust Consultant

CIMB Wealth Advisors

Kelebihan melabur Amanah Saham

Kelebihan melabur Amanah Saham

Dana-dana Amanah Saham memberikan anda sesuatu yang mudah, senang dan kaedah pelaburan yang selamat serta menjimatkan masa berbanding melabur secara terus dalam saham pasaran atau pasaran-pasaran lain yang sah.

Sebagai seorang pelabur anda boleh menikmati kepakaran dari pengurus-pengurus Dana profesional sepenuh masa tanpa perlu bimbang jenis-jenis keselamatan untuk membeli dan bila untuk mendapatkan/menjual saham dari pasaran.

Dengan melabur melalui dana-dana Amanah Saham anda akan mempunyai peluang untuk menambahkan wang anda melalui portfolio aset-aset yang telah dipelbagaikan yang mana adalah mustahil untuk anda menguruskannya sendiri.

Secara ringkasnya, kelebihan-kelebihan yang anda akan nikmati melalui pelaburan Amanah Saham adalah:

Perkhidmatan pelaburan profesional.
Peluang-peluang yang banyak dengan risiko yang rendah.
Mampu dibeli.
Kesenangan.
Kecairan.

Rahsia Kekayaan

Rahsia Kekayaan

Sama ada anda mahu melabur dalam saham atau deretan kelas-kelas aset yang besar, saham amanah memberikan anda satu kelebihan yang sangat sukar bagi pelabur mencapainya sendirian. – kepelbagaian.
Ramai orang melabur tetapi kenapa sebilangan sahaja yang menjadi kaya. Kenapa?
Kerana ramai orang melakukan pelaburan namun menganggap pelaburannya sebagai simpanan.

Simpanan Lawan Pelaburan.

Jadi apa perbezaan antara simpanan dan pelaburan?

Simpanan adalah dana/simpanan yang anda buat untuk membuat/mencapai sesuatu, cth percutian, bila anda telah mempunyai sejumlah simpanan, anda keluarkannya dan membelanjakannya untuk percutian. Selepas percutian tersebut segalanya telah habis dan anda akan mulakannya semula untuk perkara lain.

Membina kekayaan adalah sangat berlainan. Orang yang mahu membina kekayaan akan melabur wang mereka untuk jangka masa panjang di dalam aset-aset yang berkembang seperti saham-saham dan hartanah. Inilah pelaburan.

Strategi mereka adalah untuk menggunakan pendapatan hasil dari pelaburan mereka dan meninggalkan modal yang dilaburkan. Mereka tidak keluarkan modal, jadi ia kekal dilaburkan berkembang dan berganda, dan menghasilkan lebih banyak pendapatan setiap tahun.
Jika anda lakukannya, ia akan mengambil masa yang agak lama untuk mencapai matlamat pelaburan anda, tetapi dalam jangka masa panjang, anda akan rasai penantian tersebut sangatlah berbaloi. Setelah beberapa tahun berlalu, anda akan mempunyai peningkatan aliran pendapatan tambahan dari pelaburan anda dan dengan itu juga taraf hidup anda juga pasti akan meningkat!

Haruskan saya menyambung untuk menyimpan modal semasa bersara?

Mengekalkan modal adalah strategi yang bagus untuk timbunan kekayaan. Sudah tentu bila anda telah berhenti kerja nanti, strategi anda mungkin berubah. Pada masa itu ada baiknya untuk mula mengeluarkan sebahagian dari modal anda dan mempastikan baki modal masih boleh bertahan untuk selama mana yang anda mahu.