炒基金的奥妙

热情和时间是直接投资成功的催化剂；追求稳定性的投资者宜做间接投资；不能一味信奉基金代理商推荐给你的商品，仔细看一下基金商品过去的业绩而不是现在的业绩，不要固执的选择收益率超过平均收益率的基金商品，从长期投资来考虑不要选择债券和股票混合型基金而应该选择单纯的股票型基金，不要这山望着那山高。

Mutual Fund Investments & Why should you invest in Mutual Funds?

Mutual Funds & How does a Mutual Fund work?

EDUCATION PLANNING

A well-known proverb goes, " Give a man a fish, and you feed him for a day. Teach him how to fish and you feed him for a lifetime." Whether or not your children love seafood, that pithy saying holds a valuable deepwater truth: There can be no greater gift than leaving your kids with the best university education you can afford. Time spent at university usually results in countless experiences, both inside the lecture hall and outside, that enrich a young man or woman's life for decades after. The Chinese have a compelling way of describing this phenomenon: " Learning is a treasure that will follow its owner everywhere."  On top of that, a tertiary education translates into a markedly higher earning capacity than a mere secondary education can. Over the course of a 30-year working career, that difference can amount to several million ringgit.

Because of that stark truth, most of us dream of being able to say not proudly but honestly,  " I have more than enough money to pay for my children's university education." Sadly, the vast majority of Malaysian parents cannot make that statement, and mean it, if the university education they're eyeing for their kids lies far beyond our shores. The reason: Current and future exorbitant costs. Simply put, the real cost of obtaining an education can be daunting, especially at private local colleges and overseas universities. To add salt to that particular wound, education costs have been escalating faster than the overall cost of living in most countries, including Malaysia. That's why so many people feel that saving or generating enough money to pay for their kids' tertiary education seems as unattainable to them as a tantalizing piece of cheddar dangling out of reach is to a lab rat. MORE INFORMATION PLEASE CALL : 019.805 7777 We Will Provide Suitable Invesment Plan For You

RETIREMENT PLANNING

A small proportion of people seem to dread the thought of retirement. Enough stories are told of individuals --usually male --, who, having spent their whole live toiling and finding significance solely in their careers, then inexplicably keel over and die within a year of retirement. But for most of us the thought of a happy, well-funded retirement is an attractive one. Such thinking is certainly justified in this day and age. After all, prior to the Industrial Revolution the very concept of retirement was essentially unheard of. But the exponential growth in human wealth this century and the accompanying increase in expectations and lengthening lifespan have all worked together to stamp what we may well call the 'Right of Retirement' into our very souls.

That is a good thing. Yet to be able to truly enjoy retirement we must be wise in converting a portion of our active income into swelling streams of passive income. For only when our retirement is free of the worries common to all who lack sufficient money, can we truly say that our latter years will be a period of reaping the just rewards of a lifetime of industry. The road to this happy destination may be a trifle narrow, but it is not difficult to embark upon.  MORE INFORMATION PLEASE CALL : 019.805 7777 We Will Provide Suitable Invesment Plan For You

What is unit trust?

Unit Trust is a collective investment scheme that pools the savings of a large number of investors. The money collected is invested by the fund manager in different types of stocks, bonds, or other securities in various proportions depending upon the objective of the fund.
The income earned through these investments and the capital appreciation realized by the scheme, after deducting the trading costs and expenses of managing and administering the fund are paid out to the unit holders in proportion to the number of units owned by them.
Most of the unit trust funds in Malaysia are open-ended funds (the fund sells as many units as you and other investors want to buy and buys as many units you want to sell). This makes unit trust funds very liquid investments – though the price at which you sell may be less than your purchase price if the value of the fund has dropped.
You can make an initial investment with as little as RM1,000 and buy additional units when you have more money or invest a fixed amount on a regular monthly schedule via a bank account. Thus unit trust is the most suitable investment for the common man as it offers an opportunity to invest in a diversified, professionally managed portfolio.
Each Fund has a defined investment objective and strategy.

MORE INFORMATION PLEASE CALL : 019.805 7777

We Will Provide Suitable Invesment Plan For You

TYPES OF UNIT TRUST

Unit trusts are considered good instruments for medium- to long-term financial plans. However, it is important that you choose the appropriate fund depending on your risk profile and investment objectives. Listed here are the types of unit trusts currently available in the market:

Income funds:
Invest in fixed income securities and huge dividend-yielding shares with the view to pay out most of the returns. Suitable for investors seeking income and some level of growth at low risks.
Capital growth funds:Invest primarily in shares with the view to maximise capital growth over the long-term (i.e. through a higher unit price). Appeal to high-risk investors keen on capital accumulation.
Aggressive growth funds:Similar to capital growth funds but with investments in aggressive, fast track shares that promise high returns - with higher risk. Generally suitable for high-risk investors.
Balanced funds:
Have three objectives: income, moderate capital appreciation and capital preservation. Invest across a broad spread of asset categories including shares, fixed income securities and cash. Well-diversified and suitable for investors looking for reasonably safe investments where the risks are lower and which produce average returns.
Index funds:
Invest in a basket of shares that tracks a selected stock market index.
Bond funds:Invest only in fixed income securities such as bonds and short-term money-market instruments. All bond funds are subject to interest rate risk and most to credit or default risk of the issuers.
Money market funds:Invest only in short-term money market instruments such as treasury bills, negotiable certificates of deposit and bankers acceptances, with maturity of less than 90 days. Since the funds invest in money market instruments, the returns, while small, are generally more attractive compared to saving deposits. Good for investors looking for liquidity, and perhaps a temporary place to park their funds before they commit to other funds.
Islamic funds:Managed according to Syariah principles; invest in shares and fixed income securities which excludes non-halal shares and interest-bearing money market instruments.
State funds:Managed by the state development corporations for investors from the respective states.


MORE INFORMATION PLEASE CALL : 019.805 7777
We Will Provide Suitable Invesment Plan For You