Amanah Saham Bumiputera, Taking Loans to Pay Dividend?

 

I've heard many questions on how does Amanah Saham Nasional Berhad (ASNB) provide positive dividend returns plus bonuses to their investors consistently on a year to year basis. Even during the 2008 economy downturn where the KLSE crashed to a low of 876.75 points, ASNB were able to declare positive dividend  returns for all their funds!

The oldest fund from ASNB, which is Amanah Saham Bumiputera (ASB) has been declaring the highest dividend returns on a year to year basis among all ASNB funds. Furthermore, ASB is the only fund from ASNB that provides additional bonuses to their investors. That has raised quite a number of speculation with regards to the capability and sustainability of ASB. Is it even possible for any fund to provide returns even in the harshest of economy situation?

These speculations sparked my interested in trying to determine whether ASNB (specifically ASB) is really able to provide sustainable returns. Before I go into details, I wish to declare that all information are obtained from the internet, annual reports, websites, etc and opinions made are based on my understanding and perception.

Background About Amanah Saham Bumiputera (ASB)

Amanah Saham Bumiputera (ASB) holds the title of being the first fund launched by ASNB on January 2, 1990. ASB was first introduced to help Malaysian Bumiputera to build up an alternate savings nest for retirement instead of depending entirely on EPF.

Bumiputera investors can purchase ASB units for a RM1.00 per unit and can continue to do so until a maximum of 200,000 units for adults and 50,000 units for teenagers. The price per unit of ASB is fixed at RM1.00 per unit regardless of the Net Asset Value (NAV) of the fund. In addition, there are no sales charge fee and redemption of units is also free.

ASB Dividend and Bonus for the past 6 Years

ASB's investment nature is mainly into Equities. By investing into equities, ASB is able to provide higher returns upon investment. Investors over the years have benefited greatly from ASB dividend returns as shown below:

	2012	2011	2010	2009	2008	2007
Dividend	7.75	7.65	7.50	7.30	7.00	8.00
Bonus	1.15	1.15	1.25	1.25	1.75	1.00
Total	8.90 sen/unit	8.80 sen/unit	8.75 sen/unit	8.55 sen/unit	8.75 sen/unit	9.00 sen/unit

On the average, ASB has given average returns of 8.79 sen/unit over the span of 6 years!

In money terms, say I have invested RM100,000 into ASB on the 1st of January 2007, my value of investment at the end of 2012 is RM160,579.50. Basically I will be earning an additional RM60,579.50 in a matter of 6 years time.

So what is the speculation all about?

Many have questioned on how ASB, who is invested into the Equity market is able to provide positive dividend and bonus during the World Financial Crisis in 2008?

During that crisis, our Kuala Lumpur Composite Index (KLCI) fell from 1393.25 points on January 2, 2008 to 876.75 points on 31 Dec 2008.

Yet ASB who's invested into the KLCI declares a dividend distribution of 7.00 cents/unit plus a bonus of 1.75cents/unit. How is it possible when other equity based unit trust funds were recording massive losses on their NAVs?

  

Justification No. 1 : ASB's Unit Price is fixed

To explain this point, I first have to explain how the price per unit for your common equity based unit trust fund is calculated.

Unit price of an equity based unit trust is derived from the total asset value minus liability, divided by the number of units in circulation. The assets value in this case is likely from the value/price of stocks held by that fund. Therefore during a bull market, stock prices goes up, the unit price goes up as well. During a bear market such as in 2008, the opposite occurs. As investors of common unit trust fund, we enjoy both the dividends from the fund as well as the long terms appreciation of the unit price.  

In the case of ASB, the unit price is fixed at RM1.00 per unit. The unit price never fluctuates and will remain the same even when you redeem your units for cash. Irregardless of a bull or a bearish market, investors all year round can buy and sell ASB units at a price of RM1.00 per unit.

I believe by fixing the unit price, ASB investors would not be worried about when to buy or sell units. This reduces panic sales of units during a bearish market and investors are reassured of returns regardless of market condition.

On the other hand during a bearish market, investors of common unit trust fund begin to panic and start redeeming their units. As more and more investors redeem their units, fund managers are force to start selling existing stocks in order to generate cash to pay of redeemers. Adversely, the fund size shirnks and the number of units in circulation will reduce drastically.

When a common unit trust price becomes lower and investor's confidence begin to return due to market recovery, we start seeing money being thrown back into unit trust funds. This is where opportunities are created for some investors to buy low and sell high via unit trust. Alternatively, investors who invest long term into unit trust are able to purchase more units for the same amount invested. 

Justification No. 2 : Without panic sales, ASB benefit from Dividends of Stocks

As pointed out in Justification No. 1,  since ASB is not effected by panic sales, the fund size remain consistent. ASB fund managers can then hold on to quality stocks (with great dividend payout) since they do not need to sell stocks to generate cash.

While the KLCI suffered a major beating in 2008, good solid companies continue to generate revenue even though their stock price drop during a bearish market. With company revenues not really effected by the financial crisis, dividend can still be declared to stock holders such as ASB. The dividend from companies is then translated into profit by ASB and returned to investors.

To further elaborate this point, let's take a look at the top 10 stocks held by ASB at the end of 2008:

22.07% of ASB's portfolio is invested into Sime Darby Berhad. Guess how much dividend was declared by Sime Darby to stock holders for Financial Year end 2008? Take a look below:

Taken from Sime Darby Press Release Archive

Total Gross Dividend from Sime Darby is 49cents/share! 

I don't have the actual number of shares held by ASB in Sime Darby in 2008, but I can roughly guess by the following calculation:

ASB's Asset Value (Aset Bersih) as of 31 Dec 2008 : RM 62.723 billion

Asset Allocated to Equity (72.53% of Asset Value) : RM 49.493 billion

22.07% of Equity Allocation invested in Sime Darby : RM10.04 billion

Sime Darby share price on 2 Jan 2008 : RM 11.60 per share

Assuming ASB bought all Sime Darby shares on 2 Jan 2008 at RM11.60 per share, ASB would have approximately 866 million shares in Sime Darby. Dividend earned would be 866 million shares multiplied by 49 cents/share. That's approximately RM424.1 million in dividend earned from Sime Darby alone!*

*this is an approximation calculation, not an actual figure from ASB

Looking into ASB's 2008 annual report, ASB received dividend income totaling up to RM 3,156.95 million as shown in table below (circled red):

To me it makes much sense that even during 2008 Financial Crisis, ASB is able to deliver returns to their investors thanks to profitable dividends from the companies they invest in. 

Summary

By doing this case study, I've managed to answer some of the doubts I have in mind about ASB. Accusation  has it that during the 2008 crisis, ASB had to take loans in order to pay off the investor's dividend. From what I see, that accusation is all but another rumor.

I'm not a Bumiputera and neither do I take sides with the ruling government. What I've presented here are my findings as an investor and I'm glad that fellow Bumiputera friends are earning better then decent returns from ASB.

Cheers and Happy Investing!

Clement Jouling ialah Perunding Unit Amanah berlesen (Licensed Unit Trust Consultant) dan seorang 'Dealer' berdaftar emas dan perak bagi syarikat "Gold Silver Resources". Sekiranya anda berminat untuk mengetahui lebih lanjut tentang pelaburan unit amanah serta jual beli emas dan perak boleh hubungi beliau nombor dan alamat email yang tertera.

Amanah Saham Bumiputera (ASB) vs Unit Trust Fund

Comparison	ASB	Malaysia Equity based Unit Trust Fund
Unit Price	The unit price for ASB is fixed at RM1 per unit. ASB is what you call a fixed price fund. That means if you invest RM1000 into ASB, you'll get a 1000 units in return. After twenty year, if you intend to redeem your units, the 1000 units is sold at the price of RM1/unit as well. With the unit price fixed, investors need not worry about when is the best time to redeem their units.	The unit price of Unit Trust varies according to the daily Net Asset Value of the fund. Normally if the stock market is bullish, the unit price of a unit trust goes up and vice versa. Say for example you invest RM1000 into a fund that is currently price at RM1/unit. You'll get 1000 units in return. After 20 years, say the price per unit has gone up to RM1.50/unit, selling your 1000 units will return you RM1500. Investors are exposed to the possibliity that the unit price at the point of redemption could be lower then the price when they purchase the unit. This however can be mitigated using the Dollar Cost Averaging method.
Dividend + Bonus	Annually, ASB will announce it's dividend and bonus returns. For 2012, ASB distributed 8.9% worth of dividend  and bonus. Investors can choose to reinvest by purchasing more ASB units or withdraw the distribution.	Most unit trust funds declare yearly dividend. The dividend varies from one fund to the other. Dividend can range from 1% - 10% depending on the performance of the fund. However during a bear market, most equity based fund will not announce any form of dividend. Dividend is normally reinvested via purchasing  of more units from that fund.
Average Annual Returns	ASB's average return is  8.82% per annum for the past 3 years.	Top performing Malaysia Equity (Islamic) Unit Trust fund such as Kenanga Syariah Growth Fund (KSGF) averaged about  19%  per annum for the past 3 years. Investors should be advised that the longer the period of investment, the lower the average annual returns would be.  KSGF for example averaged about 12.63% per annum over a period of 5 years.
Fund Flexibility	As of 31 Dec 2013, ASB manages about RM110 billion worth of funds. For example, 22.92% of ASB funds are invested into financial insitution comprising of Maybank, CIMB, Public Bank and RHB. If ASB decides to sell all their shares, the resulting price drop of these 4 banks is unimaginable. Like it or not, ASB is tied down with the responsibility to stay invested in these companies in order to prevent the above scenario above happening.	Unit Trust Fund size ranges between RM 10 million to RM500 million. By having a smaller fund size, fund managers can afford to trade (buy and sell) shares without worrying about the impact on a particular company. The flexibility to invest allows unit trust funds to prevent any catastrophic losses during a bearish market. This is also why unit trust fund tend to perform better during a bull market.
Stability	Investing in ASB provides the feeling of stability for many investors. Even during a bear market, ASB is able to announce dividend to investors as seen during the 2008 economy crisis. By fixing their unit price at RM1/unit, investors are reassured that no matter what happens to the market, they are still able to redeem their units at RM1/unit. To read more about how ASB is able to declare dividend even during a bear market, click HERE.	As mentioned earlier, the unit price of an equity based unit trust fund varies according to the share market. During the 2008 economy crisis, KSGF loss about 26.02%. However the fund was able to rebound back with a 30.42% gain in 2009. The orice volatility of a unit trust fund is one of the reason why many investors are afraid to invest into unit trust.
Investment Limit	Each investors is limited to a max investment amount of RM200,000 only.	Investors can invest as much as they want. The fund will stop selling units once the fund size limit is achieved.
Annual Fund Management Fee	The Fund Management fee for ASB is 0.35% for 2012.	The Fund Management fee for Equity Based Unit Trust Fund ranges from 1.2% - 2.0%
Sales Charge Fee	None	Between 1% - 5.5% depending on type of fund
Syariah Compliant	There's still an ongoing debate whether ASB is a syariah compliant fund or not.	Whether a unit trust fund is syariah compliant or not is clearly stated in the prospectus.
Invest via EPF	ASB does not allow investment via EPF withdrawal.	Certain approved unit trust fund such as KSGF allows EPF withdrawal for investment.
Who Can Inevst?	Open to Bumiputera only	Open to Malaysians
Who Should Invest?	Investors who  prefer stability and consistent returns ranging from 7-9% per annum.	Investors who are willing to take risk in order to enjoy higher returns ranging from 10% - 20% (after deducting annual fund management fee) depending on the period of investment.
Potential Profit	Sample Calculation : ASB returns  per year - 8.5% Initial Amount Invested - RM10,000 Yearly Contribution - RM2,400 Profit after 20 years = RM177,094.20	Sample Calculation : Unit Trust returns  per year - 12% Amount Invested - RM10,000 Yearly Contribution - RM2,400 Profit after 20 years = RM290,139.90

Cheers and Happy Investing.

Clement Jouling ialah Perunding Unit Amanah berlesen (Licensed Unit Trust Consultant) dan seorang 'Dealer' berdaftar emas dan perak bagi syarikat "Gold Silver Resources". Sekiranya anda berminat untuk mengetahui lebih lanjut tentang pelaburan unit amanah serta jual beli emas dan perak boleh hubungi beliau nombor dan alamat email yang tertera.

We need to look at the small things we spend our money on ‘unconsciously’ every day

Financial Snacks by Lee Mun Wai

What has a cup of coffee made with espresso and steamed milk got to do with your finances? Actually, nothing! However, LEE MUN WAI wants to introduce you the “Latte Factor” which has everything to do with your finances.

THE “Latte Factor” is based on an extremely simple concept − we need to look at the small things we spend our money on unconsciously' every day and redirect that spending to enrich ourselves.

Putting aside that odd ringgit or two a day for your future instead of spending it on purchases such as expensive lattes, bottled mineral water, cigarettes, too much alcohol, magazines that you don't read, and handbags that are kept in the cupboards, you'll be amazed the difference your latte factor can make between accumulating wealth and living from paycheck to paycheck.

We often don't even realise how much we are actually spending on these little purchases. If we did think about it and changed our habits just a tad, we could actually change our destiny.

Just to prove the point, let's assume we manage to redirect RM10 every day. That's RM300 a month into our special Latte Account for the next 30 years. Assuming an interest rate of 6% per annum, we will have in excess of RM300,000 in our account!

Get your Latte Account working just a little harder by setting up a well-constructed and efficiently managed investment portfolio to return you 12% p.a., you will amazingly become a millionaire in the next 30 years! 

Are you surprised?

Do this for the next one week. Identify your actual “Latte Factor” by tracking your daily spending in detail and then calculate just how much you could save in a few years.

The “Latte Factor” is not rocket science; it just makes good financial sense. This simple exercise can possibly be life-changing. It all adds up, so start checking out on your lattes today with your financial planner.

Source: http://biz.thestar.com.my/news/story.asp?file=/2013/4/15/business/12967140&sec=business

Clement Jouling ialah Perunding Unit Amanah berlesen (Licensed Unit Trust Consultant). Sekiranya anda berminat untuk mengetahui lebih lanjut tentang pelaburan unit amanah, boleh hubungi beliau terutamanya buat anda yang berada di Kota Kinabalu dan sekitarnya.

Ringgit Cost Averaging (RCA)

Ringgit Cost Averaging @ Pemurataan Kos Ringgit

RCA adalah satu teknik pelaburan yang digunakan untuk mengurangkan pendedahan kepada risiko pelaburan berjumlah besar. Ia dilaksanakan melalui pelaburan satu jumlah tetap pada waktu tempoh tetap ( samada bulanan atau suku tahunan) tanpa menghiraukan harga unit ketika itu.

Contohnya, pelabur boleh memilih untuk membuat pemotongan gaji terus / Standing Instruction sebanyak RM200 atau RM300 ke dalam akaun dana unit amanah anda. Bagi para pelabur wang simpanan KWSP pula, pelabur memilih untuk membuat pelaburan setiap suku tahunan mengikut jumlah kelayakan sebagai contoh RM5,000 atau RM10,000.

Jumlah dan kekerapan pelaburan walaubagaimanapun bergantung kepada kemampuan kewangan dan matlamat kewangan masa depan anda.

Bagaimana RCA berfungsi?

Lebih banyak unit dibeli apabila harga rendah dan kurang unit dibeli semasa harga melambung tinggi. Walaupun ia adalah satu teknik pelaburan yang efektif dan berkesan kerana pelabur mengumpul unit bagi pelaburan mereka. Oleh itu, pelabur dinasihatkan untuk memilih jumlah yang dirasakan selesa untuk melabur di bawah semua keadaan pasaran.

Andaikan anda ingin menyimpan RM12,000 setiap tahun untuk tabung pendidikan anak anda. Selain melaburkannya sekaligus dan menanggung risiko memasuki pasaran tinggi, anda memilih untuk melabur RM1,000 setiap bulan dalam unit amanah seperti dalam jadual di bawah:

Pada akhir hujung tahun, keputusannya begini:

Purata harga seunit sepanjang tempoh adalah RM0.1928 tetapi purata kos seunit anda adalah RM0.1900, ini bermakna pelabur membeli murah 1% dari harga seunit di sepanjang tempoh.

Dan dari RM12,000 yang dilaburkan, kini pelaburan beliau bernilai RM13,692.10 bersamaan dengan keuntungan 12%.

Contoh pengamal RCA?

• Pelabur yang melabur menggunakan wang tunai mengikut amaun yang tetap melalui potongan gaji contohnya RM200/bulan.
• Pelabur yang melabur Unit Amanah menggunakan wang EPF  mengikut amaun yang tetap sekali setiap 3 bulan.

Teruskan pelaburan anda dengan amalam RCA!

Clement Jouling ialah Perunding Unit Amanah berlesen (Licensed Unit Trust Consultant). Sekiranya anda berminat untuk mengetahui lebih lanjut tentang pelaburan unit amanah, boleh hubungi beliau terutamanya buat anda yang berada di Kota Kinabalu dan sekitarnya.

6 Simple Steps to Wealth

By Aktive Learning | MoneyMatters.sg – Wed, Feb 6, 2013

By Brian Halim (guest contributor)

Many believe there is a great secret to becoming wealthy. Few realize that the simple basics are all you need to build wealth. The “secret” to wealth is not much of a secret. A variety of simple concepts and actions can be applied to achieve prosperity. Follow the following six steps and you will be on your way to building your wealth.

1. Spend less than you earn

The number one rule of personal finance is this: You cannot spend more than what you earn. You must live within your means, and take care that you never outspend your income.

2. Reduce Debt

Pay down your debt, and you free up resources that can be used to improve your net worth. If you are leveraging on your loan, repay your loans diligently. Reduce the amount of interest you pay, and instead use that money to your advantage.

3. Grow Income

If you want more, you need to earn more. Look for ways to grow your income. Maximize the lifetime earnings of your career as well as seek non-career options to profit like part-time jobs. Staying overtime in an office that does not pay you extra will not help you, unless it will lead to a promotion.

4. Save for the Future

Your emergency fund can protect you against financial setbacks or unforeseen emergencies. Be prepared and stay calm.

5. Invest in Yourself

Wealth also depends on your human capital. Invest in yourself by getting an education, and/or developing a skill. It does not necessarily need to be a degree. All you need is a marketable skill, or a knowledge base that can help you improve your finances.

6. Play Good Defense

Be sure to avoid the worst finance mistakes that people make. They can derail your gains and even ruin all of the hard work you put in to grow your net worth. When reading the above actions, it is easy to dismiss them. If it were so easy, everyone would be wealthy. The steps that lead to wealth are simple concepts. Applying these concepts is much harder.

7. Building Blocks of Wealth: Discipline, Patience, and Persistence

In addition to the steps above, you also need to develop three qualities to ensure maximize the chances that you will achieve wealth.

7(a). Discipline

Discipline requires a measure of self-control in expenditure. Rather than buying everything you want, prioritize and purchase only what is important to you. This will help get rid of debt and build your savings. Earning money requires discipline. Growing your income means that you have to get up early and do extra work. Occasionally, you might have to complete tasks you find unpleasant. Knowledge and skills too are acquired only after you exercise the discipline to study and to practice them.

7(b). Patience

In today’s world, we are bombarded with promises of instant gratification. We want that expensive car now. You can have your vacation with a credit card. A 60-inch television can be yours if you qualify for in-store financing. The inability to wait and save up the money for what we want leads to debt and financial insecurity.

Results require time. A good emergency fund takes months, or even years, to build. Dollar-cost averaging in your investment portfolio requires decades of patience.

7(c). Persistence

Persistence is the ability to keep with your wealth-building efforts. It is easy to give up when you do not see quick results, or when you see your neighbors enjoying their over-leveraged lifestyles. However, in the long run, those neighbors are likely to have very little wealth, since most of the goods they enjoy have been bought with debt. It is hard to see that when everyone around you is having fun while you follow a more practical course. But stay the course.

Take action now. There will be many temptations along the way. It is up to you to decide which path to take. Follow the simple concepts of building wealth with discipline, patience, persistence, and you will achieve financial freedom. The concepts behind wealth are that simple, but it takes hard work to put them into practice.

By guest contributor Brian Halim, a professional accountant who blogs at A Path to Forever Financial Freedom. Posted via www.MoneyMatters.sg, your guide on how to make more money, save smarter, invest intelligently, and enjoy your money like a pro. Click here to get our free report on what you must know about financial freedom.

Source: http://my.news.yahoo.com/6-simple-steps-wealth-064740946--sector.html

Clement Jouling ialah Perunding Unit Amanah berlesen (Licensed Unit Trust Consultant). Sekiranya anda berminat untuk mengetahui lebih lanjut tentang pelaburan unit amanah, boleh hubungi beliau terutamanya buat anda yang berada di Kota Kinabalu dan sekitarnya.

Do you dream of early retirement - when you are still young?

Financial Snacks by Joyce Chuah

To be able to afford to retire young is a dream held by many as it is an indication of financial success. Early retirement usually does not mean ceasing from work but freedom from having to work due to financial needs. So where can we start? Grace Chuah writes:

Decide on the life-style you wish to have in retirement.

Some have a simple lifestyle − walking, gardening, and local holidays − but for others, enjoyment means overseas holidays, fine dining, living in high end condos. One consideration is also whether or not you want to continue working and earning active income during your retirement years', though at a more relaxed pace.

Calculate how much you need in order to fund your retirement lifestyle.

Mortgage repayments, children education and living and medical bills (ideally covered by medical insurance) are major expenses. If you need RM5,000 spending money per month, a capital sum of RM1mil (retirement nest egg) at a consistent dividend yield of 6% per annum will be simple enough to cover retirement costs.

However, one needs to factor in inflation. At 7% inflation rate, RM5,000 becomes RM7,000 and at 6% inflation rate, a RM200,000 education fee becomes RM335,000 in five years' time. The only way to overcome inflation is to invest.

Work out the strategy to meet the gap between what you would have and what you would need during retirement.

To close the gap, you need to build up your nest egg, readjust your desired retirement lifestyle or postpone your retirement to a later age. Cut down on unnecessary spending. What matters more is how much you save, not what you earn. Pay yourself first every month and increase this amount as your income increases. Invest your retirement savings in a long-term portfolio and rebalance it annually.

Take action now.

A retirement age is an artificial finish line but nonetheless serves as a goal-post. When we start planning early, we have the advantage of time to enjoy the effect of compounding returns over time and to fine-tune our investment strategies and recover from mistakes early.

Remember the quote “Someone's sitting in the shade today because someone planted a tree a long time ago”. Plant the tree for yourself today.

Source:http://biz.thestar.com.my/news/story.asp?file=/2013/2/4/business/12656861&sec=business

Clement Jouling ialah Perunding Unit Amanah berlesen (Licensed Unit Trust Consultant). Sekiranya anda berminat untuk mengetahui lebih lanjut tentang pelaburan unit amanah, boleh hubungi beliau terutamanya buat anda yang berada di Kota Kinabalu dan sekitarnya.

Rancang Kewangan Anda

SOAL kewangan memang menjadi topik hangat setiap kali menjelang tahun baru. Boleh dikatakan setiap individu yang bekerja mempunyai azam baru dan semangat untuk memastikan perjalanan kewangan mereka berjalan dengan lancar sepanjang tahun itu.

Tiada istilah terlambat bagi setiap individu untuk memulakan sesuatu perancangan kewangan yang baik.

Pengerusi Eksekutif dan juga Ketua Perunding Kewangan Hijrah Wealth Management Sdn. Bhd., Rohani Datuk Mohd. Shahir mempunyai panduan untuk resolusi kewangan 2010.

Menurut Rohani, sebelum memulakan resolusi setiap individu perlu terlebih dahulu mengetahui kedudukan kewangan sekarang.

Caranya ialah dengan menyenaraikan semua hutang dan harta serta kemaskini semua perbelanjaan bulanan.

“Untuk berjimat apa yang penting kita perlu simpan wang sebelum dibelanja. Pastikan tabungan sekitar enam hingga lapan bulan kos saraan hidup.

“Prinsip asasnya ialah belanja apa yang perlu bukan apa yang kita mahu. Selain itu kita perlu tetapkan matlamat untuk kurangkan hutang dan jangan tambah hutang baru pada tahun 2010 ini,” ujar Rohani yang mempunyai lebih 25 tahun pengalaman dalam bidang pengurusan kewangan.

Rohani tidak menafikan ramai antara rakyat Malaysia yang terikat dengan komitmen pembiayaan bulanan, hutang peribadi, kad kredit dan sebagainya.

Antara persoalan yang harus ditanya pada diri si penghutang ialah adakah mereka mempunyai tabung kecemasan dan adakah pekerjaan mereka kukuh? Dan jika jawapannya ‘ya’ maka perkara pertama yang perlu dilakukan ialah menjelaskan hutang-hutan peribadi terutama kad kredit.

“Caranya ialah dengan menyenaraikan baki yang paling rendah hingga yang tinggi, cuba bayar lebih setiap bulan bagi melangsaikan hutan yang baki terendah secepat mungkin baki terendah dan ulang tindakan ini kepada hutang kad kredit seterusnya dengan kesan snow ball.

“Kemudian boleh mulakan pelan perbelanjaan dengan cara menyediakan bajet perbelanjaan. Pastikan sentiasa fokus terhadap apa yang ‘diperlukan’ dan bukan apa yang ‘dimahukan’.

“Mulakan pelan tabungan dan sasarkan untuk capai cukup untuk lapan bulan kos saraan hidup (perbelanjaan bulanan). Periksa berapa yang mampu disimpan dan tambah 20 peratus daripada jumlah simpanan tersebut,” jelas beliau.

Rohani juga berpesan, untuk mengelakkan perbelanjaan di luar dugaan seperti perubatan dan sebagainya, sebaiknya individu mempunyai pelan perlindungan, bukan sahaja untuk diri sendiri malah ahli keluarga juga.

“Ini penting dan jika memilih polisi pastikan anda ambil polisi hospital dan pembedahan untuk menampung kos hospital supaya tidak timbul masalah kewangan kelak,” tambahnya.

Penuhi kehendak

Kereta dan rumah memang merupakan impian bagi semua yang bekerja.

“Ansuran kereta dan rumah merupakan 50-60 peratus daripada gaji individu, jadi seeloknya jangan membuat hutang atau membeli kereta yang mana ansurannya melebihi 30 peratus daripada gaji anda.

” Sebaiknya, letakkan deposit di antara 10-20 peratus dan berhutang jangan melebihi lima tahun. Jangan terpedaya dengan skim bayaran pendahuluan ’0′ dan berhutang sehingga sembilan tahun.

“Beli kereta atas dasar keperluan bukan kerana ingin bergaya, jika perlu kereta sedan jangan pula pilih kenderaan pelbagai guna (MPV),” kata Rohani lagi.

Lazimnya keperluan untuk menyediakan tabung kecemasan adalah antara tiga hingga enam perbelanjaan bulanan. Jadi jika terjadi perbelanjaan di luar jangkaan, ini boleh digunakan dan sediakan ini dulu sebelum melabur.

“Sistem sampul surat sesuai bagi mengenal pasti ke mana wang pergi setiap bulan. Amalkan ini supaya perbelanjaan terkawal walaupun mempunyai anak ramai kerana ia sudah terbukti berkesan.

“Ada pasangan suami isteri yang mengamalkan sistem ini selama 20 tahun dan mereka telah berjaya mengumpul tabungan mencecah RM400,000.

“Bayar untuk perbelanjaan diri dulu. Kemudian asingkan wang pada awal bulan mungkin dalam lingkungan 10 hingga 20 peratus daripada gaji dan letakkan dalam akaun yang tidak ada kad mesin pengeluaran wang automatik (ATM).

” Bila mencukupi mulalah melabur dan teruskan setiap bulan. Jika disimpan RM100 sebulan dengan pulangan 10 peratus setahun dalam tempoh 30 tahun akan menghasilkan RM226,048 pada akhir tempoh,” ujarnya.

Jangan Terpedaya

Rohani turut berpesan agar berhati-hati dengan sebarang bentuk pelaburan yang menjanjikan pulangan segera.

Jika seseorang itu dijanjikan pulangan setiap bulan dengan kadar yang tidak munasabah, sebagai contoh melebihi dua peratus sebulan, dikatakan tiada risiko, tiada barangan dan hanya perlu ‘cari orang’, besar kemungkinan ia skim cepat kaya.

Jika berlaku keadaan itu langkah paling bijak ialah buat semakan di Bank Negara Malaysia (BNM) atau Suruhanjaya Sekuriti (SC) tentang kesahihan skim tersebut kerana setiap syarikat penerima wang mestilah berlesen dari dua agensi tersebut.

Bagi individu yang memasang niat untuk membuat pinjaman peribadi, janganlah ambil hanya kerana ia mudah nak dapat. Pastikan anda benar-benar perlu baru ambil. Sebagai contoh untuk perubatan, tetapi sebaiknya sediakan polisi perubatan untuk ini.

“Jangan juga melabur dengan menggunakan pinjaman peribadi sebab anda kena tolak kos pinjaman sebelum mendapat keuntungan bersih di atas pelaburan,” pesan Rohani.

Sumber: Utusan Online

Clement Jouling ialah Perunding Unit Amanah berlesen (Licensed Unit Trust Consultant). Sekiranya anda berminat untuk mengetahui lebih lanjut tentang pelaburan unit amanah, boleh hubungi beliau terutamanya buat anda yang berada di Kota Kinabalu dan sekitarnya.

Dari RM100 menjadi RM60 ribu

 

Setiap hari semakin ramai yang sms dan email, minta saya terangkan sama ada tentang pelaburan Unit Trust melalui KWSP mahu pun cash dan ada juga yang email terus minta berjumpa untuk terangkan dengan lebih lanjut.

Seronok rasanya sebab nampaknya semakin ramai dah ada kesedaran untuk mulakan pelaburan awal-awal lagi, sebab ramai yang contact saya di kalangan orang muda.

Tak kisah lah anda nak invest sikit atau banyak, saya cuba bantu mana yang boleh, niat saya bukan untuk mengejar komisen semata-mata tetapi membantu orang ramai untuk memulakan simpanan dan pelaburan untuk masa depan yang lebih baik.

Syukur… saya dah jumpa kerjaya separuh masa yang sesuai iaitu kerjaya yang flexible, modal rendah, memberi manfaat pada diri sendiri dan juga orang lain. Masalah sikit-sikit tu adalah, mana ada kerja yang mudah dalam dunia ni, buat kerja apa-apa pun mesti ada juga dugaan dan rintangan, kan?

Apa yang penting kita terus fokus kepada apa yang diusahakan sekarang.  

Ok, sekarang saya nak celoteh tentang nilai RM100..berapakah nilai RM100 untuk anda?

Bayangkanlah setiap bulan kalau kita bawa RM100 ke pasar raya untuk shopping, sekelip mata saja boleh habis RM100 tu, kadang-kadang untuk benda-benda yang tak berfaedah pun tetapi just imagine kalau kita pejam mata simpan RM100 sebulan di Unit Trust, selepas 20 tahun kita boleh menjana lebih kurang RM60k – RM70k dengan unit trust..

Iye, simpan RM100 saja sebulan boleh kumpul RM60k dalam masa 20 tahun. Jumlah yang dilaburkan lebih kurang RM20k saja.

Kalau kita alert dengan keadaan ekonomi dan buat strategi top-up lebih semasa harga rendah, pulangan kita akan jadi lebih banyak.

Jadi, mulakanlah pelaburan seawal yang mungkin, kalau dah ada niat tu jangan tangguh-tangguh duk rasa awal lagi untuk mulakan pelaburan, bak kata pakar kewangan,  

” There is never too early to start investing”.

Saya dah dengar ramai luahan klien yang mulakan pelaburan lewat ni, mereka menyesal kerana tak mula melabur awal-awal lagi..saya bukan buat-buat cerita ya, ini kisah benar.

Hubungi saya untuk mulakan pelaburan anda, demi masa depan yang lebih gemilang

Clement Jouling ialah Perunding Unit Amanah berlesen (Licensed Unit Trust Consultant). Sekiranya anda berminat untuk mengetahui lebih lanjut tentang pelaburan unit amanah, boleh hubungi beliau terutamanya buat anda yang berada di Kota Kinabalu dan sekitarnya.

Hitung wang keperluan persaraan

 

Semua maklum akan kepentingan wang dalam kehidupan. Ini kerana apa sahaja urusan kehidupan melibatkan wang, sama ada keperluan mahupun kehendak. Dalam menjalani kehidupan, kita pasti pernah mengalami masalah kekurangan wang, lebih-lebih lagi pada pertengahan bulan.

Bayangkan, masalah kewangan turut dialami oleh mereka yang mempunyai pendapatan tetap mahupun tidak, apatah lagi bagi mereka yang terhenti aliran pendapatannya. Mereka yang dimaksudkan tidak lain dan tidak bukan ialah golongan pesara.

Oleh itu, amat penting untuk kita merancang kewangan sedari mula mempunyai punca pendapatan.

Seseorang perlu mula menghitung wang yang diperlukan sebagai persediaan awal bagi memenuhi keperluan persaraan tenteram kelak. Sebagai contoh, andaikan keperluan tahunan ialah RM50,000 (kira-kira lebih kurang RM4,000 sebulan).

Anggarkan bahawa wang simpanan persaraan akan menjana pulangan sebanyak 7% setahun. justeru, kita memerlukan sekurang-kurangnya RM714,286 (RM50,000/0.07) dalam simpanan untuk menampung perbelanjaan persaraan.

Perancangan kewangan persaraan memerlukan disiplin yang tinggi. Sentiasa fokus dalam mencapai matlamat tabungan. Elakkan daripada membuat pengeluaran wang simpanan persaraan sewenang-wenangnya bagi mempastikan ia mencukupi untuk menampung perbelanjaan sehingga akhir hayat.

Setelah menetapkan jumlah wang yang diperlukan, langkah seterusnya ialah untuk memberi komitmen penuh kepada jumlah yang hendak disimpan dan menguruskan portfolio pelaburan dengan berhemah. Plan pelaburan kendalian daripada syarikat unit trust No.1 dalam Malaysia misalnya menawarkan kadar dividen dari 10-30% setahun tertakluk kepada prestasi dana.

Juga, berbelanjalah mengikut keperluan dan maksimumkan simpanan untuk persaraan.

Betul ke pelaburan unit amanah berisiko tinggi?

Seperti yang saya war-warkan sebelum ini, saya adalah Part Time Unit Trust Consultant dan sentiasa berjumpa prospek especially yang mempunyai simpanan KWSP tetapi tidak transfer sebahagian daripada simpanan KWSP mereka ke Dana Unit Trust.

Secara ikhlasnya, saya bagitahu golongan ini, mereka memang tidak berapa bijak merebut peluang sebab tidak menggunakan peluang yang diberikan KWSP untuk menggandakan simpanan KWSP mereka melalui Pelaburan Unit Amanah. Inia dalah  kerana KWSP tidak akan mampu memberikan dividend melebihi 10% setahun dek kerana kekangan peraturan pelaburan yang ditetapkan oleh mereka.

Anda nak tahu apa alasan yang diberikan oleh golongan sebegini?

Mereka kata melabur dalam Unit Amanah adalah BERISIKO TINGGI.

Para pembaca blog sekalian, sebenarnya pelaburan dalam dana unit amanah memberi peluang kepada pemegang unit untuk mengurangkan risiko pelaburan dengan melakukan proses penyebaran risiko dengan melabur dalam pelbagai instrumen pelaburan seperti saham dan sekuriti yang luas dalam syarikat, sektor atau lokasi yang berlainan.

Kepelbagaian portfolio mengurangkan risiko pelaburan berbanding pelaburan secara langsung dalam pasaran ekuiti mahupun sekuriti. Sekiranya berlaku kejatuhan aset pelaburan tertentu, kenaikan harga dan nilai aset lain dalam portfolio pelaburan dapat menampung kerugian tersebut.

Lagipun, objektif pelaburan Unit Amanah adalah untuk jangka masa lebih dari 3 tahun dan bukannya untuk jangka masa pendek.

Hakikat yang perlu kita terima adalah, walaupun menyimpan dalam KWSP pun ada RISIKO juga iaitu risiko Inflasi. Tahun lepas, inflasi adalah 4%, dan dividend KWSP adalah 6%, jadi pencarum hanya memperolehi keuntungan sebenar 2% sahaja!

Tahukah anda bahawa kebanyakan Dana Shariah Unit Amanah yang diluluskan oleh EPF rata-rata memberi pulangan antara 10%-15% setahun?

Sekiranya kita tak ambil tindakan dari awal, memang boleh mengggigit jari…mana taknya, RM10,000.00 dengan 12% dividend boleh jadi RM96,463.00 selepas 20 tahun.. tapi dengan dividend EPF, RM10,000.00 hanya menjadi RM32,071.00 dalam tempoh yang sama.

Saya pasti anda adalah seorang yang bijak dan ingin mengambil tindakan PANTAS dan tidak mahu menangguhkan peluang KEEMASAN ini…FAST ACTION…FAST RESULT…  

Ok, jumpa lagi dalam posting seterusnya atau anda boleh emailkan saya di clementjouling@yahoo.com untuk kita berjumpa bagi saya menerangkan lebih lanjut tentang cara pemindahan simpanan KWSP ke Dana Unit Amanah.

Salam Hormat.

Clement Jouling ialah Perunding Unit Amanah berlesen (Licensed Unit Trust Consultant). Sekiranya anda berminat untuk mengetahui lebih lanjut tentang instrumen pelaburan dan pelaburan unit amanah, boleh hubungi beliau terutamanya buat anda yang berada di Kota Kinabalu dan sekitarnya.

Kelebihan membuat simpanan tetap bulanan dalam unit trust

RCA (Ringgit Cost Average) atau simpanan tetap bulanan dalam unit trust adalah satu strategi pelaburan yang bertujuan untuk mengurangkan pendedahan kepada risiko yang berkaitan dengan membuat satu pembelian tunggal yang besar dengan melaburkan jumlah tetap dalam pelaburan unit amanah pada selang masa yang tetap (sama ada bulanan atau suku tahunan), tanpa menghiraukan kitaran pasaran.

Justeru, para pelabur tidak perlu bimbang mengenai ‘market timing’ dan membolehkan pelabur tetap fokus pada matlamat pelaburan jangka panjang.

Sebagai contoh, pelabur boleh menyimpan dan melabur RM500 hingga RM1,000 daripada gaji mereka kepada dana unit amanah ataupun pelabur boleh membuat pelaburan sebanyak RM1,500 atau RM3,000 setiap suku tahun. Jumlah dan kekerapan pelaburan bergantung kepada sumber kewangan dan matlamat masa depan pelabur.

Dengan melabur secara berkala, iaitu satu jumlah yang tetap pada tempoh waktu tetap, para pelabur boleh membeli lebih unit apabila pasaran lebih rendah dan kurang unit ketika pasaran menaik. Strategi ini akan menghasilkan kos purata pelaburan yang lebih rendah daripada purata harga pasaran pada tempoh tertentu.

Mari kita lihat ilustrasi di bawah untuk melihat manfaat RCA melalui pelaburan unit amanah yang dibuat secara berkala:

 Katakan Encik Ali sebagai pelabur memutuskan untuk melabur dalam satu dana unit amanah dengan simpanan bulanan sebanyak RM400 sepanjang tempoh 24 bulan.

Merujuk kepada Jadual di atas, Encik Ali dapat mengumpul lebih units ketika Nilai Asset Bersih (NAB) seunit rendah dan kurang units apabila NAB tinggi dengan simpanan sebanyak RM400 sebulan. Dalam 12 bulan pertama semasa pasaran menaik (Jadual 1), Encik Ali mengumpul sebanyak 8,026.47 unit dengan purata kos sebanyak RM0.5980 seunit, iaitu kos yang lebih rendah daripada purata NAB seunit sepanjang tempoh tersebut iaitu RM0.6008.

Dalam 12 bulan kedua (Jadual 2) pula semasa pasaran menaik, Encik Ali mengumpul sebanyak 9,270.36 unit dengan purata kos sebanyak RM0.5178 seunit, iaitu kos yang lebih rendah daripada purata NAB seunit sepanjang tempoh tersebut iaitu RM0.5183.

Inilah konsep yang saya kongsikan pada bakal pelabur saya yang membuat simpanan bulanan di unit trust syarikat unit amanah No.1 di Malaysia.

Bertindaklah sekarang untuk membuat simpanan secara bulanan apabila berlaku kecemasan pada hari akan datang..di samping berpotensi mendapat pulangan pelaburan yang tinggi daripada unit trust.

Clement Jouling ialah Perunding Unit Amanah berlesen (Licensed Unit Trust Consultant). Sekiranya anda berminat untuk mengetahui lebih lanjut tentang instrumen pelaburan, pelaburan unit amanah dan perancangan kewangan, boleh hubungi beliau terutamanya buat anda yang berada di Kota Kinabalu dan sekitarnya.