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Author: kirawang

UNIT TRUST PUBLIC MUTUAL; MACAMANA NAK UNTUNG CEPAT DAN BANYAK?

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Post on 11-1-2009 12:51 PM |All posts
Untuk singa,..siap ada episod episod macam rancangan TV lak.

Untuk Goyang, saya akui, kita buat apa apa pon, mmg kita akan alami kesukaran.
Tapi once kita dah dapat tune, semua dah jadi senang.
Again saya ulang, saya punya commitment untuk tahun 2008, hanya 60 percent je.
Itu pon dah berada top list no 4 untuk bagi kategori Top producer bagi satu malaysia..
Kadang2 rasa jemu jugak..

kalau bagi tambah effort 20% lagi, jadi 80%, tah tah dapat No 1, satu malaysia..
Mmg U trust ni  instrument pelaburan yang senang nak kaya untuk consultants dan senang kaya untuk pelabur jika mereka mempunya consultants yang commited..
GENG CONSULTANT UNIT TRUST..
Kirawang, GROUP AGENCY MANAGER,  UNIVEST GROUP, PUBLIC MUTUAL BHD.
www.univestgroup.com.my.. 012 381 1974, shaari71@gmail.com

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Post on 11-1-2009 12:57 PM |All posts
Originally posted by mytrade at 9-1-2009 04:31 PM


Cenggini la contoh UT agents yg berwibawa...sbb apa aku ck camtu sbb agents berwibawa akan mendidik pelabur...klu pelabur dah ada pendidikan pelabur sendiri akan ada jawapan pasal soalan apa, ...
Aku komen sikit dah la...tp kemusykilan berapa ramai UT agent sendiri yg terdidik dgn konsep UT???




Rasanya mereka semua terdidik, tapi samada mreka nak execute or implement atau tidak. Kadang2 mereka lalai...tak ambil serius.
ada yang pentingkan buat sales, buat sales, buat sales...hanya layak jadi salesman je..

Untuk consultants yang masih tak clear dengan mechnism dngan UT, sit down dengan mentor or business masing masing.

Kala mereka tak tahu, FIRE MEREKA...

Habis lah aku kena marah ni....
GENG CONSULTANT UNIT TRUST..
Kirawang, GROUP AGENCY MANAGER,  UNIVEST GROUP, PUBLIC MUTUAL BHD.
www.univestgroup.com.my.. 012 381 1974, shaari71@gmail.com

PORT KAMI BERSTRATEGI UTK PRODUCE WANG DI CARI.COM
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Post on 11-1-2009 01:55 PM |All posts
Seterusnya saya ajar U all, macamana nak menambah untung dengan pendekatan very basic dan mudah, diharap pelabur pon senang juga untuk nak memahami..Saya cuba menggunakan bahasa yang paling mudah.

Like say, kalau U invest dalam satu jangkamasa, your return 20% setahun. Dengan kebijaksanaa consultants,  mereka boleh beri more than 20%, base on kecekapan dn kepandaian meerka..

Graph dibawah, saya ambil untuk jangkamasa yang singkat untuk fund public China Ittikal Fund.

?t=1231648797

Jika anda melabur 10k pada 3 December 08, harga masa tu untuk PCIF ialah 0.1403 sen
Unit anda ialah 71275.84 unit

Selepas seminggu, 10 december 08, harga meningkat ke 0.1515 sen.
Yr investment value dah jadi RM 10,798.28

Dlam seminggu, sudah meningkat dalam 8%.
Tolak service charge charge 5.5%, net bersih  2.5% dalam seminggu.
Klaau EPF inv, yg perlu dicharge 3%, untung dah reach  5% seminggu..(bukan setahun macam EPF..)
tak puas hati lagi ke...?  

Untuk consultant..what happen jika market turun besoknya..
Macam dalam graph tu..

10 december ..U all park kat islamic money market or bond jap..
Kalau  U all dah parking kat Money market , biarkan untung utk cash investment yang ditolak dengan charge 5.5% tadi , iaitu 2.5%. (realised profit) kat situ.

switching fee..
kalau anda bukan Mutual Gold member yg hnya dapat free, U all akan dikenakan charge sebanyak rm25.00.
So, yr net untung  ialah rm10, 773

market tengah menurun...dan birkan dia turun, U all dah boleh tidur nyenyak..

Pada 12 Dec (2 hari slps tu) price jatuh ke 0.1452.
Kalau anda tak switch tadi, yr GROSS PROFIT  akan drop jadi 3.5%, (refer pd graph) growth..Toalk service charge, that means masih negative.

Disebabkan anda telah park tadi kat M market..
pd 12 dec, anda masuk balik kat PCIF dengan harga rendah...0.1452
so apa yang berlaku..?

Your unit akan bertambah..
kerana value dalam m market tadi RM 10 773, switch back kat PCIF dengan harga 0.1452
unit anda dah jadi...
74194.21

Refer pada 17 dec pulak.

Price dah meningkat jadi 0.1516
Your value dah jadi Rm 11,247.84

bersamaan 11.24%, kalau tolak dengan service charge 5.5, untung net dah 5.74% dalam masa 14 hari.....

walobagaimanpon...utk consultants..
U all bukannya malaikat yang boleh  tahu, bila tahap highest or bottom..
tapi u all kena justify base on pemahaman dan kecerdikan or kebijaksanaan anda..
Jika anda buat 2-3 kali setahun, kalau pelabur anda lari ke agents lain..
pelabur2 anda tu mmg bodoh. unless mereka tu buat lg kerap lg dr u all..
tapi buat dengan dengan betul..silap switching, lintang pukang...
jadi lebih rugi ada le..bukan lagi untung...

Untuk investors..
U all jangan expect yr consultant switch sokmo sokmo bese on market movement.
senang tengok diatas kertas, tapi sukar untuk sesuatu yang kita tak tahu apa yang berlaku dimasa depan..

bersambung........

[ Last edited by  kirawang at 11-1-2009 04:35 PM ]
GENG CONSULTANT UNIT TRUST..
Kirawang, GROUP AGENCY MANAGER,  UNIVEST GROUP, PUBLIC MUTUAL BHD.
www.univestgroup.com.my.. 012 381 1974, shaari71@gmail.com

PORT KAMI BERSTRATEGI UTK PRODUCE WANG DI CARI.COM
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Post on 11-1-2009 02:58 PM |All posts
berapa kerap kita boleh buat switching tu tuan..
adakah setiap kali switch caj rm25 akan dikenakan?
berapa lama pula gain yg kita lock di money market patut dibiarkan?
dan apa yg patut dibuat dgn gain yg kita dah lock td?

wah unit trust ni mmg ada seni ;)
kena dgn seninya..hidup kita pun akan lebih berseni..kini, akan dtg dan selamanya

maceh
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Post on 11-1-2009 10:06 PM |All posts
Originally posted by kirawang at 9-1-2009 10:00 AM
Sambungan

Untuk Consultants.
kenapa U all kena manage properly in order to bagi higher return pada yr investors..?

Bia mereka invest dengan cara buy and hold, mereka dapat 15% setahun cont ...


Jangan beli barang dari peniaga? Hang memang sinis gak kirawang, gaya macam Tun Mahathir
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Post on 12-1-2009 07:29 AM |All posts
Market takes the lead ahead of economic recovery by abt 6-8 months...

This was informed by my GAM...Tuan Kirawang, what is ur comment? if is true, adakah current uptrend in KLCI index is an earlier indicator??

sorry out of topic sat...  


[ Last edited by  amirul_nazri at 12-1-2009 07:31 AM ]
"Market" has "memory" to repeat "history"
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Post on 12-1-2009 09:32 PM |All posts
Originally posted by linsyah at 11-1-2009 02:58 PM
berapa kerap kita boleh buat switching tu tuan..
adakah setiap kali switch caj rm25 akan dikenakan?
berapa lama pula gain yg kita lock di money market patut dibiarkan?
dan apa yg patut dibuat  ...


Amirul dan linsyah..panggil saya kirawang..
Bukan Tuan,..rasa macam Org Indon pulak..

Switching tak kisah, berapa kali anda mahukan..
Kalau anda bukan Mutual Gold member yang dah invest 100K, RM25 dikenakan..
Yg U all lock tu, boleh buka after market drop...
GENG CONSULTANT UNIT TRUST..
Kirawang, GROUP AGENCY MANAGER,  UNIVEST GROUP, PUBLIC MUTUAL BHD.
www.univestgroup.com.my.. 012 381 1974, shaari71@gmail.com

PORT KAMI BERSTRATEGI UTK PRODUCE WANG DI CARI.COM
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Post on 12-1-2009 09:33 PM |All posts
Originally posted by Tongny at 11-1-2009 10:06 PM


Jangan beli barang dari peniaga? Hang memang sinis gak kirawang, gaya macam Tun Mahathir



sinis ke...?

mereka meerka  cakap...celupar..
GENG CONSULTANT UNIT TRUST..
Kirawang, GROUP AGENCY MANAGER,  UNIVEST GROUP, PUBLIC MUTUAL BHD.
www.univestgroup.com.my.. 012 381 1974, shaari71@gmail.com

PORT KAMI BERSTRATEGI UTK PRODUCE WANG DI CARI.COM
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Post on 12-1-2009 09:35 PM |All posts
Originally posted by amirul_nazri at 12-1-2009 07:29 AM
Market takes the lead ahead of economic recovery by abt 6-8 months...

This was informed by my GAM...Tuan Kirawang, what is ur comment? if is true, adakah current uptrend in KLCI index is an ea ...


Semuanya berkemungkinan Amirul.
Cuba U all notice, KLCI hampir 930 mata hr ni..

Tak siapa duga kan?
GENG CONSULTANT UNIT TRUST..
Kirawang, GROUP AGENCY MANAGER,  UNIVEST GROUP, PUBLIC MUTUAL BHD.
www.univestgroup.com.my.. 012 381 1974, shaari71@gmail.com

PORT KAMI BERSTRATEGI UTK PRODUCE WANG DI CARI.COM
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Post on 12-1-2009 09:36 PM |All posts
nanti saya sambung..

Menulis kat thread ni, kena serius dan berfikir....
GENG CONSULTANT UNIT TRUST..
Kirawang, GROUP AGENCY MANAGER,  UNIVEST GROUP, PUBLIC MUTUAL BHD.
www.univestgroup.com.my.. 012 381 1974, shaari71@gmail.com

PORT KAMI BERSTRATEGI UTK PRODUCE WANG DI CARI.COM
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Post on 12-1-2009 11:41 PM |All posts
kirawang...nk tnya...bila masa yang terbaik nak beli unit?adakah setiap profit perlu di"secure" @ lock?
yang lain..based on cerita kirawang mmg ok.tapi mcmna kita nk predict fund price tu akan jatuh or naik..


p/s: sori..budak baru blaja..
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Post on 14-1-2009 12:21 AM |All posts
lagi satu kan tuan tanah...adakah switching ni (based aper yg u ajar so far) praktikal atau bole diguna pakai utk mereka2 yg invest less than RM 5k? pls advice...from my opinion, not so gud sbb reak turn dier tak sebanyak kalo kita taruk RM10k kan?

sori bro, jez nak mintak pandangan ni....
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Post on 14-1-2009 12:23 AM |All posts
as an agent, mana nak dapat instinct buat switching ni? ada cara tak?
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Post on 16-1-2009 02:18 PM |All posts
Originally posted by aku_thinktruth at 12-1-2009 11:41 PM
kirawang...nk tnya...bila masa yang terbaik nak beli unit?adakah setiap profit perlu di"secure" @ lock?
yang lain..based on cerita kirawang mmg ok.tapi mcmna kita nk predict fund price tu akan j ...


Nak beli UT tak kisah bila2, kalau buat switching.

Bukan setakat profit, principle perlu dlock bila tak nak velue drop.
Predict mmg susah, so u kena cari consultants yang tahu economy background dimana beliau banyak mambaca .
GENG CONSULTANT UNIT TRUST..
Kirawang, GROUP AGENCY MANAGER,  UNIVEST GROUP, PUBLIC MUTUAL BHD.
www.univestgroup.com.my.. 012 381 1974, shaari71@gmail.com

PORT KAMI BERSTRATEGI UTK PRODUCE WANG DI CARI.COM
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Post on 16-1-2009 02:24 PM |All posts
Originally posted by goal_hunter at 14-1-2009 12:21 AM
lagi satu kan tuan tanah...adakah switching ni (based aper yg u ajar so far) praktikal atau bole diguna pakai utk mereka2 yg invest less than RM 5k? pls advice...from my opinion, not so gud sbb r ...



Very subjective, 5 ribu dah boleh switching..
ada yg 5K invest pon dah switch, ada yang 10K,,ada yang 50K,,,ada yg 100K (mutual gold only).
so sebelom U invest tanya consultant ada dia buat switching ke tidak dan kalau dia buat min berapa dia buat..

btw, saya akan sambung, sekarang kat oversea..
GENG CONSULTANT UNIT TRUST..
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www.univestgroup.com.my.. 012 381 1974, shaari71@gmail.com

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Post on 16-1-2009 03:14 PM |All posts
Originally posted by aku_thinktruth at 12-1-2009 11:41 PM
kirawang...nk tnya...bila masa yang terbaik nak beli unit?adakah setiap profit perlu di"secure" @ lock?
yang lain..based on cerita kirawang mmg ok.tapi mcmna kita nk predict fund price tu akan j ...


kalau hanya lock profit dan biarkan balance exposed to flunctuate is not a good idea..lama kelamaan, if market keep downward, total investment value akan jadi lesser ..even lesser...

swicth all and then prepare to swicth back to gain more units, when market pickup, untung lebih besar..begitula so on and so on..
"Market" has "memory" to repeat "history"
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Post on 20-1-2009 08:30 AM |All posts
Originally posted by iena_kindaichi at 5-1-2009 06:32 PM
susah gak nak memahami bahasa ekonomi ini............


Pening kepala kan???
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Post on 20-1-2009 08:32 AM |All posts
Dulu penah jumpa sorang ajen UT..kawan dah kenal lama...
dah hampir2 nak join lee...tak le byk tapi dah bajet duit tu..tak usik2 lee..
tapi hasil dari penerangan yang aku sendiri tak faham biji butir nya....terus tak jadi..
kejam nya aku...
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Post on 20-1-2009 03:09 PM |All posts
Originally posted by mama_boomboom at 20-1-2009 08:32 AM
Dulu penah jumpa sorang ajen UT..kawan dah kenal lama...
dah hampir2 nak join lee...tak le byk tapi dah bajet duit tu..tak usik2 lee..
tapi hasil dari penerangan yang aku sendiri tak faham biji ...


mmg ak phm pd mula....kdg2 tak phm pun...yg pting survey2 dulu...
once dah join insyaAllah little by little akan phm gak..
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Post on 20-1-2009 03:29 PM |All posts
nk tanya..
aku invest mlalui EPF...tp pengeluaran dari EPF lum diluluskan sbb ada data tk lengkap....so unit terbeli akan floating ...
soalan : berapa akan floating....sbb PM dah buy pada 15Dis...arini baru g EPF utk settlekan problem...
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Post on 20-1-2009 03:54 PM |All posts
Originally posted by mytrade at 20-1-2009 03:29 PM
nk tanya..
aku invest mlalui EPF...tp pengeluaran dari EPF lum diluluskan sbb ada data tk lengkap....so unit terbeli akan floating ...
soalan : berapa akan floating....sbb PM dah buy pada 15Dis ...


Submission captured 15 Dis., so price of units bought @ 15 Dis.
                     
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Post on 20-1-2009 06:26 PM |All posts
Originally posted by mytrade at 20-1-2009 03:29 PM
nk tanya..
aku invest mlalui EPF...tp pengeluaran dari EPF lum diluluskan sbb ada data tk lengkap....so unit terbeli akan floating ...
soalan : berapa akan floating....sbb PM dah buy pada 15Dis ...


units floating still based on submission dated 15hb like sis frapa quote..bro, are u referring to your account under me? data apa yg tak lengkap?  
"Market" has "memory" to repeat "history"
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Post on 20-1-2009 10:15 PM |All posts
Originally posted by amirul_nazri at 20-1-2009 06:26 PM


units floating still based on submission dated 15hb like sis frapa quote..bro, are u referring to your account under me? data apa yg tak lengkap?    


database aku kt epf tk complete...rekod cap jari takder...so epf tkleh process....aku dah g settle tadi...cuma aku musykil aritu sbb unit dah terbeli pd 15hb tp epf htr surat terkepil borang invest soh dtg settle masalah tu..tu yg takut klu PM akan jual smula unit aku..
word 'floating' tu aku dpt dari sorang agent PM depan EPF shah alam tadi...dia nk propose fund tp aku dgn bangganya ckp nk settle pasal invest ler ni.. so ada la borak2 sikit...lupa dah nama dia...
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Post on 20-1-2009 11:44 PM |All posts
Originally posted by mytrade at 20-1-2009 10:15 PM


database aku kt epf tk complete...rekod cap jari takder...so epf tkleh process....aku dah g settle tadi...cuma aku musykil aritu sbb unit dah terbeli pd 15hb tp epf htr surat terkepil borang invest soh dtg settle masalah tu..tu yg takut klu PM akan jual smula unit aku..
word 'floating' tu aku dpt dari sorang agent PM depan EPF shah alam tadi...dia nk propose fund tp aku dgn bangganya ckp nk settle pasal invest ler ni.. so ada la borak2 sikit...lupa dah nama dia...


  dengan bangganya bro...impressive

PM takkan cansell floating units kecuali ada instruction from EPF yg submission has been rejected. So, no worries. Investment u still safe
"Market" has "memory" to repeat "history"
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Post on 21-1-2009 12:01 PM |All posts
nih tak kira lg bile unit yang loaded dan unloaded.. kalau switcj takyah kira service caj 5.5% tuh..
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