ALASAN BAGI MEREKA yg belum mendengar pasal unit amanah

12May10

Salam,

berikut adalah alasan-asalan biasa ,sesetengah di antara kita yg menolak melabur di unit amanah.

saya sebagai perunding unit amanah hanya ingin berkongsi kaedah untuk mengandakan WANG ANDA.

UNIT AMANAH MERUPAKAN medium terbaik untuk tujuan ;

1. tabung pendidikan anak-anak

2.tabung ‘pencen’ anda di hari tua.

3. tabung kahwin ’3 tahun lagi’

4.tabung fardhu haji….5-10 tahun lagi …

5.tabung beli rumah cash ke?

6. tabung utk makan angin

7. tabung nak beli kereta ke?

8. tabung semasa kecemasan…

(1) I have an agent servicing me nowRespond: Are you satisfied with current agents? puashati ke dgn servis dia,berapa kali setahun dia updated pasal pelaburan -CAMS It’s common to have more than 1 agent. baguslah anda dah buat keputusan yg bijak ,jika puashati dgn agen masakini,teruskan.

(2) I prefer to invest in investment-linked fund Respond: Invest 30-40% dari nilai premeium,60-70% untuk protection Investment-linked funds do not offer many choices. Lower liquidity Higher premium Lower return Can’t use EPF to invest Can’t get maximum control of investment

(3) Why should I invest with Public MutualRespond: No. 1 Trusted brand 44% market share Award winning Consistent return Ease of transaction, ie, convenient Subsidiary of Public Bank, a well known & very strong bank.

(4) I prefer to invest in ASB / PNB’s funds, eg, ASN, ASM, Wawasan 2020. Respond: Ada Dana islamic , dgn sedikit risiko ,untung berganda dari ASB Public Mutual has funds that are performing better than ASB’s funds. Public mutual also has funds that pay out 2 types of income, ie, distribution & capital gain.

(5) Investing in Unit Trust is risky Respond: Everything is at risk including our life. Among other investment like property or shares, Unit Trust is considered one of the lower risk investments & each fund is well diversified and this can lower our investment risk.

(6) Returns are too slow Respond: The returns are more attractive compared to FD & EPF in mid to long term. simpan di bank lagi ciput …sikit sikit lama-lama purata 10% setahun!

(7) I feel safer to leave my money in EPF Respond: Inflation – EPF is safe but do you know that the return of EPF at 5% may not be able to hedge against inflation which could be 5%-6%. If you diversify some of your EPF fund into Unit Trust, you will be able to enjoy higher return of 10%-12% p.a. to hedge against inflation. bukan semua dari epf yg buleh dilaburkan, 20% dari akuan 1 je …tu pon bergantung pada umur keluar sedikit dari epf,letak di public mutual ada lagi kelebihan lain-insurans percuma, mutual gold status. ISLAMIC-ADA dana islamic yg hanya melabur pada syarikat yg patuh syariah

(8) I have no EPF / no money Respond: Since you do not have EPF, do you have other source of funds for retirement? bukan banyak pon?rm1000 je…nak top-up rm100 sebulan @ 3 bulan sekali pon buleh….ada duit top-up…tak ada duit biarlah…sedar sedar 4 tahun lagi duit rm1000 tadi menjadi rm1300! I suggest that you create a proper financial planning starting now. If you can allow me to share with you on how you can improve your cash flow, then we can see where you can allocate some fund for investment. Would you like to be a unit trust consultant where you can have the opportunity to earn some income for yourself? ada sijil SPM, jom jadi macam saya agen! ada rezeki bertambah pendapatan…mana tahu rezeki saudara…

(9) IUTA gives more choices of funds Respond: Yes, they do. May I know which IUTA you are referring to? How many choices do they offer so far? Do you know that Public Mutual is no. 1 nationwide in terms of assets under management and has offered 53 funds so far. In addition to that, our funds are leaders in many categories. Compare to investment with IUTA, there is no personal touch and you have to monitor your own investment. If you invest with us, we will monitor your funds and keep you updated. betul,IUTA biasanya kat bank…memang cair laa bila officer bank buat persembaham,tapi benda sama je ..unit amanah,tapi saya buleh bagi service lebih lagi..malam ,sinag ,buleh jumpa. officer bank  waktu pejabat je , kadang-kadang officer tu kerja kontrak je …lain tahun lain org …hahah pening ,

(10) Stock market is not performing. I don’t think it is the right time to invest. Respond: When the market is down, Unit Trust’s unit price is cheaper. Therefore can gain more units. As opposed to when the market is high. Market performance is always in a cycle. There will always be market recovery. So, invest in Unit Trust now. You have the potential to maximize return. memang stok market tak buleh dijangka, jika dapat tentu tiada istilah ekonomi meleset,pasaran merudum…tiada siapa yg dapat tentukan . jadi ,sebagai pelabur , kita hanya terus masuk pasaran …pasaram merudum dapat unit banyak , pasaran melonjak , ‘makan’ untung…. yg penting buat keputusan …BUKAN ‘WAITING????

(11) I prefer to keep my money in insurance education plan Respond: Insurance education plan can only be liquidated upon maturity. Whereas unit trust investment can be liquidated at anytime. Insurance education plan is not 100% investment plan. Therefore the return are lower as compared to unit trust. Therefore, for greater flexibility and better returns, unit trust is a better option which can also be used to complement insurance education plan. HAAAA….SOALAN CEPUMAS , masih ramai yg keliru , unit amanah tiada tempoh ‘MATANG’ INI BERMAKNA SAUDARA ADA HAK TERHADAP DUIT YG DISIMPAN DI UNIT AMANAH…melabur pada tahun 2010…tahun 2015 nak keluar semua pon buleh ….masuk bulan ni, bulan depan nak keluar pon buleh …5-7 hari terus masuk ke dalam bank saudara.

(12) I have invested with other unit trust company. Their performance is better than Public Mutual. Respond: Should look out for consistency of fund performance since Unit Trust investment is medium to long term investment horizon. Public Mutual’s funds are pretty consistent in their performance. Don’t put all money into one basket. Should diversify. Furthermore, Public Mutual is the biggest winner in Lipper Fund Award 2009. Public Mutual has the biggest fund size, RM34 billion in the market. We are able to leverage the risk during volatile period. TAHNIAH LAH ,,dah buat keputusan yg bijak dgn melabur di unit amanah , apakata ,cuba dgn saya pulak…

(13) I prefer to invest in property or stock, which can make more money. Respond: High volatility. Higher capital required. Capital being tied down. You need to have knowledge & expertise. Unit trust investment is more stable compared to stocks especially when investor takes advantage of DCA. Public Mutual is a ready buyer. Leverage on fund manager. Availability of offshore investment. Property Unit Trust Not liquid – takes time to dispose, difficult to find buyer. Incomplete / new – risk of not being developed Risk of not getting rental – bad pay master Property market is cyclical Public Mutual is a ready buyer Liquidity Peace of mind – dividend. DCA during down market

(14) I am not interested. I’ve lost money investing in unit trust before. Respond: Market is up & down. Invest in 3 years & above. Switching. Long term Quarterly fund review: 5 years return on average 14% to 15%. Years more than 10% return on average.

(15) I prefer to keep my money in FD. Respond: The interest rate is not sufficient to hedge against inflation.

(16) Let me think about it. I want to discuss with my spouse. Respond: It’s good to discuss with your spouse for investment matter. In fact, it’s very difficult to make your spouse understand about unit trust investment. Let us meet together to further explain this investment.

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