Type of Unit Trusts...

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.

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

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

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.


P/S: Nah,this is something that i learnt from book/internet..by the way,u will see that fund number 1-4 frequently in our local banks or people approached u..Bah,sama2 kita belajar tg "tuhsin" kio!!

Jangan Malu Bertanya !!! Is it wrong to ask? Have a time to buy&read about financial/investment books?

Bingung?dont be, coz this is my self-reminder about how this life is going on..so,by remind myself,sia always wanna learn sometg which i duno,but play a great role in my life - MONEY!!

Before i started go Uni, a friend of mine told me that a good way for investment, is using your 1st salary to buy a house!!not a car,which lots of us do it now (including myself!) why?coz,the earlier u buy house,then u have long time to pay that house loan sebab masih muda bah, compared to car since u might change it someday!! but once u have that house,never stop to invest,coz that house is not profitable if u stay inside..faham?bayangkan like this,u buy a big house, isi with lots of stuff, using loan banks, then someday ur house terbakar!! habis semua barang and ur investment dalamnya,kena bayar loan lagi,so? hutang keliling pinggang bah...

Two days ago,sia start balik beli magazine Men's Health, April 2009 issue..was blessed coz see this article from Peter Lim..what he said really make sense..BTW,sia pun ada put link blog dia di sebelah atas kanan..p tinguk and learn sometg yah..anyway,sia pun akan write apa yang dia cakap dari article dia:
1. Never buy house that is more than 2.5 times from ur household total income !!
-Contohnya,if gaji setahun suami RM 50000,and isteri RM40000, jgn bli rumah yang lebih dari RM225000.. -apa jadi if beli juga? u end-up with no saving but spent ur money just to pay the loan..
2. 20% of your net-income is what your monthly saving !!
- memang susah if kita bercakap tg menyimpan,ada ja yng mau dibeli,but make it as habit..u can start from 10% dulu,kemudian suit urself naik ke 20%..believe me,this is like exercising ur mind of long term investment..ingat,jgn menyimpan with what's left after spending but berbelanjala apa yg tgl after meyimpan!!

Ada lg yang dia cakap,but ini yang sia rasa most important aat the moment for us..Then, sia juga mau shared my knowledge yang sia dapat selama ini..macam sia cakap tadi,investment!! whatthe hell is that? well,banyak bah now investment or real estate or unit trust from banks..Sia plan mau join Public Mutual unit trust from Public Bank,so far among the best malaysia..but duno whether it is volatile..but that is a risk to take! but dun worry,u still can take unit trust from Maybank,coz it is secured by goverment's bon..so whatever happen inthe market, it's always profit come to you..

kamu fahamka? macam ini,bayangkan dimana profit kamu dapat from menyimpan after 10-20 years? so,if kamu meyimpan,kamu pun mau extra duit,itula part of unit trust!! they use ur simpanan to invest,and after certain time (kamu pilih 5,10 or 15thn),bulan2 bayar, dapatla hasil dia..kira macam Amanah Saham Bumiputra!!

Why i bring this matter? coz sia mau highlight pada JM,Jags..where do you put your money from oversea? spending spree? For the God's sake, have an investment esp unit trust,coz u wont be there till u retired,kan? both of ur currency, Euro and Pounds have a strong value if change to RM,jadi i rely dun want u all waste that value..sia banyak jumpa pesakit yang muda2 kerja di Oversea,gaji tinggi but dun have plan for future..once plg sini sudah,berusia,sakit and cant do operation coz cant afford the fee...As what i said,we learn from somebody's experienced,kan?

Jags,that is very good when u have sometg to tell/advice regarding ur engineering field..glad i have so many friends in engine/IT/teaching field..hopefully, a friend of mine from accountancy will give us advice here too..Anybody??

WOMEN as explained by Engineers.....

PART 1


PART 2

PART 3

PART 4



PART 5

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thanks to my fren,i get this post from him..

this is AWE-wait for it-SOME !!!

Yeah,within this 1week, i watched few great movies,which most of it,havent come to our local panggung yet..Thanks for all the software which can make me watch this for free,hehe..well,im not a movie-goer,but i enjoyed watching in my laptop bah.. So,lets enjoy it.. Grand TORINO about a car, asian neighbourhood, gangster and an old white man..to take revenge with legal way,this old man sacrified himself for the justice..and,really nice to see how a retired soldier/construction businessman help a growing up boy,from ASEAN..haha,wish that boy come from malaysia,specifically sabah..haha

MIRACLE AT St.ANNA
4 american black guys soldier during world war 2..sia suka juga coz selama ini always about white people fighting for america,but dunno where were the 'Red Indian' or black people..very nice movie about love,superstitious and promises..and to see a black guy with Italian boy together,with different language, macam ayam and itik bah..satu cakap lain,satu ingat lain..

SLUMDOG MILLIONAIRE haha,a poor man turn out be a millionaire,just because wanna make sure his girlfriend can see him thru TV,coz she works in the kitchen, a house belongs to gangster..best part is,all the questions (macam soalan2 dari jamaludin hassan bah), happens in that man's life..macam siapa pelakon terkenal movie dalam xxxx movie,dia tau coz pernah dapat autograf that actor..and,which city cambridge hall located in britain,dia tau coz dia tukang pembuat kopi di syarikat telekomunikasi yang setiap bandar di dunia,got maps di syarikat dia..kebetulan,dia ada kawan kerja di bahagian Britain's section..hahaha

THE READER
Gosh, i love Kate Winslet!! 1st time saw her during Titanic movie..well,i didnt go to cinema bah,but my friend in hostel invited me go to his house and watched vcd..and,my friend just wanna see that naked-body-for-painting scene saja!!haha,and that was the 1st and last time saw her (and her body figure as well!) now,with this movie,really great..a woman and young boy relationship?if di sabah mg sudah kena sogit ni..2hours and macam first hour,semua about their explicit scenes,wau..and to see her body figure again,really shocked me!!after i compared time dia muda2 masa Titanic..well,just try ask any guys yang watched titanic,mesti dorang ingat lgtg that body-figure scene,and once u all see this movie,i bet some of them will be in bad mood.well,we all grow older,kan?
The Curious case of Benjamin Button this is an awesome movie!!really!! i did read it in my iPhone,and that short story happened during 1840,but the way the Director put it,i cant imagined how beautiful the scenes..well,it was directed by the same director of "Forest Gump"..it was about a guy who was born kind with some contrast with the norm,already old at 80's, n later died with the baby's form..cool eh?honestly,i dont like the story from the novel,but that movie really get me...well,until i watched that movie too,i never say/agree that Brad Pitt is an handsome guy,but he really though in that acting,with no wrinkle....and the best script that i likes; "would u like me when im younger with acne?bed wet?and scared anytg under the stairs?" SE7EN POUNDS
Again, sad movie from will smith..maybe u all are wondering, why "seven pounds"?not seven organs or seven kilogram?haha..well,they took it from a novel too, " A merchantless of nile".something about redemption,how to reapy for ur mistakes,gitu2la..a story about a man try to make sure,7 people yang dia mau pilih to donate his properties,and also organs are well deserved it..so,he went and approached them personally..why do so?coz,he took 7 lifes including his wife,by his mistakes thru car accident..anybody wana try? p/s: well,its a good suggestion Yaya..maybe we can do that so=)sia setuju..

warning !!!

Well,since CNY is just around the corner, it always mean that raining for the whole days..otherwise,there wont be 2 death cases in Beluran about boat sinking and drowning !!
so just be careful guys coz time2 ni memang best pmandi sungai,pancing udang or show-off with ur swimming skill,eh?

nowdays pun,KK kuat hujan,bikin takut bawa kereta!! tapi best juga coz urang bertapuk dirumah n susah datang hospital..haha

p/s: kepada cikgu-cikgu kita disini,plz make sure anak2 murid anda enda punteng pigi mandi sungai yah..

But then,once again in KK, still about school children, lot of street children already go work or become "penjaja"..some people feel pity for them,some are not coz they are PTI..and if u just let them wondering around,of course social issues are the main concerns!! and just to see them jual ikan somewhere at field?gosh..especially in wetmarket..anybody been in Sandakan wet market before?terrible!!

they will just follow u and begging to buy the black plastic@bahai..yeah,i felt pity but the fact is still the fact that they are illegal imigrants and its totally tarnished our state image..but,this is not our duty,coz we have enforcement for this matter? the question is,how strict and success this enforcement? I just wish,somehow we will have another type of Chong Kah Kiat where he was brave enough to make sure all the immigrant quarters being destroyed..kudos to him!



p/s: each of you should have ur own view regarding this matter,right?