Bursa Malaysia pulih suku pertama tahun depan

KUALA LUMPUR 26 Dis. - Bursa Malaysia dijangka pulih pada suku pertama 2009 dengan Indeks Komposit Kuala Lumpur (IKKL) didagangkan pada tahap antara 860 dan 1,000 atas keyakinan pelabur bahawa pakej rangsangan kerajaan berjumlah RM7 bilion akan memberi impak positif ke atas ekonomi.

Ketua Penyelidik Jupiter Securities Sdn. Bhd., Pong Teng Siew berkata, pakej yang diumumkan oleh Timbalan Perdana Menteri yang juga Menteri Kewangan, Datuk Seri Najib Tun Razak, dijangka meningkatkan keyakinan pelabur.

Beberapa penganalisis bagaimanapun berkata, pemulihan IKKL hanya akan berlaku pada akhir suku pertama tahun depan atau mungkin sehingga separuh kedua.

Seorang penganalisis berkata, syarikat itu tidak menjangkakan pemulihan mampan bagi kedua-dua ekuiti global dan IKKL.

"Ini hanya akan berlaku apabila pelabur dapat melihat sejauh mana serius serta tempoh kemelesetan selain penurunan pendapatan dan perkembangan lanjut dalam usaha menagani krisis kewangan global," katanya.

Beliau berkata, sejauh mana seriusnya kemelesetan global bergantung kepada setakat mana ia menjejaskan pelabur dan jumlah yang mereka terpaksa tanggung akibatnya.

"Konsensus semakin tidak boleh dipercayai lagi. Unjuran berubah dengan ketara. Ia tidak dapat menyakinkan pelabur.

"Oleh itu naik turun akan berterusan dan IKKL akan terus berada dalam keadaan tidak menentu," katanya.

Sementara itu, seorang lagi penganalisis berkata pasaran saham Asia dijangka menarik tahun depan dengan jangkaan bahawa ada sinar baru di sebalik kesuraman persekitaran kewangan global semasa.

Ketua Pegawai Pelaburan HwangDBS Investment Management Bhd., David Ng, berkata, walaupun wujud peluang untuk melabur dalam syarikat yang menawarkan pulangan munasabah, pelabur dijangka lebih memilih.

Beliau berkata, langkah-langkah monetari yang diambil oleh bank-bank pusat serta dasar fiskal kerajaan, telah membantu meningkatkan ekonomi global serta mengelak era kemelesetan pada 1930-an.

"Ini juga akan membantu meningkatkan sentimen di pasaran-pasaran saham," katanya.

Antara langkah yang diambil oleh bank-bank pusat tahun ini termasuk pengurangkan kadar faedah, suntikan dana atau pakej rangsangan fiskal, selain jaminan atas deposit tetap, katanya.

Beliau berkata, pasaran terjejas akibat kemelesetan dan nilai kini muncul semula.

Pasaran Asia, terutama di Hong Kong dan Singapura, akan mempunyai prospek yang paling menarik.

"Syarikat-syarikat Asia yang berkelas dunia dan mempunyai lembaran imbangan serta struktur pengurusan yang kukuh, akan menjadi perhatian utama pelabur," katanya.

Ketua Pegawai Eksekutif Bursa Malaysia Bhd. Datuk Yusli Mohamed Yusoff berkata, meskipun tahun ini sangat mencabar, prestasi bursa tempatan lebih baik berbanding bursa-bursa lain.

Yusli berkata, ini berikutan prestasi ekonomi Malaysia yang baik yang membolehkan syarikat berkembang dengan baik setakat ini.

Bagaimanapun, katanya impak penuh krisis global belum menjejaskan negara.

Beliau berkata, sehingga 18 Disember lalu, sebanyak 23 syarikat baru disenaraikan di Bursa Malaysia.

"Antaranya ialah UEM Land Holdings Bhd., Fibon Bhd. dan Teo Seng Capital Bhd.," katanya.

Yusli berkata, operator bursa saham itu akan memperkenalkan inisiatif baru untuk tahun depan yang merupakan antara usaha menjadikan bursa tempatan lebih menarik.

Golongan muda paling ramai keluar KWSP

KUALA LUMPUR 25 Nov. - Golongan muda merupakan yang paling ramai mengeluarkan pelaburan mereka melalui inisiatif 'Bukan Hanya Simpanan' di bawah Simpanan Asas Kumpulan Wang Simpanan Pekerja (KWSP) membabitkan pengeluaran RM808.53 juta bagi suku ketiga tahun ini.

Ketua Pegawai Eksekutif KWSP, Datuk Azlan Zainol berkata, golongan tersebut menyumbang kepada peningkatan ketara pengeluaran pelaburan ahli iaitu 107,564 berbanding 122,887 pada suku kedua berikutan bertambahnya bilangan ahli yang layak untuk berbuat demikian.

''Ahli yang layak untuk membuat pengeluaran meningkat 42.9 peratus. Pada tempoh yang sama tahun lalu, hanya 75,239 ahli sahaja yang membuat permohonan pengeluaran.
''Bagaimanapun jumlah pengeluaran adalah lebih rendah berbanding suku ketiga 2007 membabitkan pengeluaran RM874.44 juta,'' katanya dalam satu kenyataan yang dikeluarkan hari ini.

Menurut Azlan, penurunan jumlah pengeluaran adalah disebabkan kebanyakan ahli muda mempunyai jumlah simpanan yang kecil untuk dilaburkan kerana mereka hanya dibenarkan membuat pelaburan tidak lebih daripada 20 peratus daripada simpanan dalam Akaun 1 yang melebihi Simpanan Asas.

Simpanan Asas yang dilaksanakan pada Februari 2008 yang mana sejumlah simpanan dalam Akaun 1 ditetapkan mengikut peringkat usia bagi membolehkan ahli memperoleh simpanan minimum sekurang-kurangnya RM120,000 ketika mencapai usia 55 tahun.

INCOME DISTRIBUTION FOR CIMB ISLAMIC DALI EQUITY FUND

We are pleased to declare an income distribution of 10.0 sen per unit (gross) for the unit holders of CIMB Islamic DALI Equity Fund (formerly known as SBB DANA AL-IHSAN 2) on September 11, 2008.

Cum Date	:	10 September 2008
Ex-Date	:	11 September 2008
Distribution Date	:	11 September 2008
Reinvest Date	:	12 September 2008
Gross Distribution	:	10.0 sen

The amount of the income distributed will depend on the unit holder’s balance of units as at 10 September 2008 in the register of unitholders.

Unitholders will be notified of the net distribution and tax credit through the Tax Voucher.

Please note that the gross payout per unit for CIMB Islamic DALI Equity Fund will amount to 10.0 sen, or approximately 6.83% of its NAV per unit as at 25 August 2008.

Dana Syariah CIMB tawar pulangan 23.6%

KUALA LUMPUR 20 Ogos - CIMB Islamic Bank Bhd. (CIMB Islamic) hari ini melancarkan produk terbarunya, Market Select yang menawarkan pulangan maksimum sehingga 23.6 peratus setahun untuk pelaburan bertempoh lima tahun.

Di sebalik keadaan ekonomi semasa yang tidak menggalakkan, dana perlindungan modal Syariah terbaru itu diyakini dapat menarik pelaburan berjumlah RM200 juta dalam tempoh tawarannya sehingga 19 September ini.

Market Select menawarkan pulangan yang tinggi berbanding deposit tetap dengan mengambil faedah daripada pertumbuhan pasaran baru yang sedang berkembang, selain jaminan perlindungan modal sehingga tempoh matang, kata Ketua Perbankan Runcit CIMB Bank, Peter England. CIMB Bank merupakan cabang perbankan konvensional Kumpulan CIMB.

Beliau berkata, secara umumnya, pelaburan dalam Market Select memberi pulangan purata tahunan sebanyak 16.5 peratus bagi pelan pelaburan selama tiga tahun dan 23.6 peratus untuk pelaburan lima tahun.

England berkata, produk itu akan dilaburkan di 17 buah negara termasuk Amerika Syarikat, Eropah dan Jepun dan pasaran baru muncul di Asia seperti China, India, Malaysia, Indonesia, Filipina dan Thailand.

''Kita juga akan meneroka pasaran negara-negara yang bakal menjadi pasaran baru muncul pada masa depan iaitu Rusia, Afrika Selatan, Brazil, Mexico, Kazakhstan, Mesir, Turki dan Vietnam,'' katanya pada sidang akhbar selepas pelancaran Market Select di sini hari ini.

Satu lagi ciri menarik Market Select ialah dana itu membolehkan para pelabur menjual balik tanpa menunggu tiba tempoh matang dan mengambil peluang meraih keuntungan ketika aliran pasaran meningkat tanpa sebarang penalti, tambah beliau.

Produk Market Select memerlukan pelaburan pokok minimum sebanyak RM25,000 dan pelaburan gandaan RM1,000.

CIMB Global Fund Managers

Do you know that CIMB Wealth Advisors global funds are managed by a team of World Class No 1 Global Fund Managers?

Franklin-Templeton
-Over 60 years (not 20 or 30 years!!! ) of investment experience
-Currently managing USD$550 BILLION in over 29 countries around the world

Principal Group
-Established in 1879
-Currently managing USD$205 BILLION; and manages the LARGEST pension fund in the USA

Schroeders
-Currently managing USD$220 BILLION by 300 fund managers in 34 offices around the world

Kerana itulah CIMB Principal MENA Equity Fund bagi the latest return --> 12% in 4 months ( from Feb - June 2008 ). Track record sebelum ni --> 430% in 5 years.

ANNOUNCEMENT OF NEW FUND

CIMB ISLAMIC GLOBAL EMERGING MARKETS FUND (iGEM)

We are pleased to announce to you our new Islamic fund, CIMB Islamic Global Emerging Markets Fund (iGEM), which will be launched on 2^nd July 2008. The Initial Offer Period (IOP) for this fund is from 2^nd July 2008 to 22^nd July 20 08. Thus, the commencement date for iGEM falls on 23^rd July 2008.

The Fund aims to provide investors with medium to long term capital appreciation through investments in the global emerging markets that conform to Shariah principles. The benchmark for the Fund is Dow Jones Islamic Market Emerging Markets Index.

The Fund seeks to achieve its objective by investing principally in Shariah compliant equity securities of companies domiciled or with their core business in the world’s emerging markets, which the fund manager believes are undervalued and have the potential for significant growth.

Up to 98% of the Fund’s NAV will be invested in global emerging market securities that conform to Shariah principles and at least 2% of the Fund’s NAV will be invested in Shariah-compliant liquid assets for liquidity purposes.

Kindly note that this fund is open for CASH INVESTMENTS only.

10 Dana Unit Amanah Islamic Terbaik (1 year)

Latest top 10 ranking (Equity Malaysia) base 1 year total return (%) 30/04/07 - 30/04/08...

1) CIMB Islamic Equity - 12.45%
2) CIMB Islamic DALI Equity - 11.06%
3) CIMB Islamic DALI Equity Growth - 9.59%
4) CIMB Islamic Enhanced Index - 7.59%
5) MAAKL Al-Faid - 6.36%
6) ASM Dana Al-Aiman - 5.52%
7) Public Islamic Equity - 5.33%
8) ING OA Inv-ING Equity Islam - 5.02%
9) Public Islamic Dividen - 4.55%
10) Kenanga Syariah Growth - 4.37%

10 Dana Unit Amanah Islamic Terbaik (3 years)

Latest top 10 ranking (Equity Malaysia) base 3 years total return (%) 29/04/05 - 30/04/08...

1) CMS Islamic - 94.15%
2) CIMB Islamic DALI Equity - 79.21%
3) CIMB Islamic Equity - 72.95% ***
4) ING OA Inv-ING Equity Islam - 71.59% ***
5) MAAKL Al-Faid - 69.18% ***
6) CIMB Islamic DALI Equity Growth - 65.15%
7) MAAKL Syariah Index - 65.08%
8) Public Ittikal - 63.08%
9) CIMB Islamic Enhanced Index - 62.20%
10) Public Islamic Equity - 61.20% ***

***Not available for 5 years return.

Source from Personal Money issue #82 (June 2008)

DALI 1 Declare Dividen 7 sen

INCOME DISTRIBUTION OF 7 SEN PER UNIT FOR CIMB ISLAMIC DALI EQUITY GROWTH FUND (formerly known as SBB DANA AL-IHSAN FUND)

We are pleased to declare an income distribution of 7 sen per unit (gross) for the unit holders of CIMB Islamic DALI Equity Growth Fund (formerly known as SBB Dana Al-Ihsan Fund) on June 6, 2008.

Cum Date: 5 June 2008
Ex-Date : 6 June 2008
Distribution Date : 6 June 2008
Reinvest Date : 9 June 2008
Gross Distribution : 7 sen

The amount of the income distributed will depend on the unit holder’s balance of units as at 5 June 2008 in the register of unitholders.

Unitholders will be notified of the net distribution and tax credit through the Tax Voucher.

Please note that the gross payout per unit for CIMB Islamic DALI Equity Growth Fund will amount to 7 sen, or approximately 6.66% of the Fund’s NAV as at May 13, 2008

3 + 1 Education Plan

CIMB Wealth sasar 400 pelan pendidikan sebulan

KUALA LUMPUR 6 Mei - CIMB Wealth Advisors Bhd. (CIMB Wealth) menyasar menjual 400 Pelan Pendidikan 3 Dalam 1 setiap bulan yang dilancarkannya pada hari ini.

Ketua Pegawai Eksekutifnya, Tan Beng Wah berkata, sasaran itu mampu dicapai kerana pelan tersebut berpotensi menawarkan pulangan lebih tinggi berbanding pelan pendidikan lain apabila pelabur menambah nilai pelaburan secara kerap bagi mendapat pulangan yang lebih cepat.

"Pelan itu kekal aktif walaupun pelabur meninggal dunia atau mengalami hilang upaya kekal kerana pemiliknya dilindungi sehingga tempoh matang selepas dana pelabur dipindahkan kepada warisnya.

"Selain itu, bagi memenuhi keperluan pelabur yang berbeza, pelan ini menawarkan pilihan sama ada dalam versi konvensional Islam," katanya pada majlis pelancaran pelan tersebut di sini, hari ini.

Hadir sama, Pengerusi CIMB Wealth, Tunku Datuk Ahmad Burhanuddin .

Pelan tersebut merupakan produk yang menggabungkan pelaburan dalam saham amanah, takaful dan insurans serta khidmat penamaan amanah dalam satu pakej mudah.

Menurut Beng Wah, pelancaran pelan itu tepat pada waktunya ketika masyarakat berdepan dengan senario mencabar untuk membuat simpanan bagi tujuan pendidikan tinggi.

"Kos pendidikan semakin meningkat dari tahun ke tahun dan pada masa sama, ibu bapa masih bergantung dengan pinjaman, biasiswa dan hasil pelaburan lain untuk membiayai pendidikan tinggi anak mereka.

"Faktor itu jelas memberi gambaran apabila perlunya satu pelan simpanan pendidikan yang mudah tetapi efektif kepada masyarakat," jelasnya.

10 Dana Unit Amanah Islamic Terbaik (1 year)

Latest top 10 ranking (Equity Malaysia) base 1 year total return (%) 30/03/07 - 31/03/08...

1) CIMB Islamic DALI Equity Growth - 16.02%
2) CIMB Islamic Equity - 14.58%
3) CIMB Islamic DALI Equity - 14.53%
4) ING Equity Islam - 11.89%
5) CIMB Islamic Enhanced Index - 11.61%
6) Alliance Dana Adib - 10.78%
7) MAAKL Al-Faid - 10.22%
8) RHB Islamic Growth - 10.11%
9) Public Islamic Equity - 10.09%
10) Public Islamic Dividen - 9.09%

10 Dana Unit Amanah Islamic Terbaik (3 years)

Latest top 10 ranking (Equity Malaysia) base 3 years total return (%) 31/03/05 - 31/03/08...

1) CMS Islamic - 82.52%
2) CIMB Islamic DALI Equity - 71.12% ***
3) ING Equity Islam - 68.92% ***
4) CIMB Islamic Equity - 64.91% ***
5) MAAKL Al-Faid - 63.27% ***
6) MAAKL Syariah Index - 62.40%
7) CIMB Islamic DALI Equity Growth - 59.84
8) Alliance Dana Adib - 59.42% ***
9) Public Ittikal - 56.77%
10) Public Islamic Equity - 56.70% ***

***Not available for 5 years return.

Source from Personal Money issue #81 (May 2008)

Malaysia Islamic Equities: Three-Year Performance

CIMB – Principal Asset Management won an award for “Malaysia Islamic Equities: Three-Year Performance” for CIMB Islamic Dali Equity Growth Fund by Asian Investor 2008 Investment Performance Awards.
In addition, Principal Global Investor also won an award for the Global Equities Category: Five Year Risk-Adjusted Performance.

Announcement of New Fund

CIMB ISLAMIC COMMODITIES STRUCTURED FUND 1 & 2

Introducing the brand new Fund which capitalizes on commodities, CIMB Islamic Commodities Structured Fund 1 & CIMB Islamic Commodities Structured Fund 2.

CIMB Islamic Commodities Structured Fund 1 was close-ended fund which would invest at least 95 percent of its net asset value (NAV) in a three-year Islamic Dynamic Best of Commodity Structured Product to be issued by CIMB Investment Bank and up to five percent of its NAV in liquid assets.

CIMB Islamic Commodities Structured Fund 2 is similar in structure, but invests in a five-year Islamic Dynamic Best of Commodity Structured Product making it ideal for investors who desire stable investment returns via potential annual distributions over the fund's tenure.

Minimum initial investment amount is RM10,000. The Offer Period for these Funds is until 4 June 2008 (45 days after the launch date).

The initial offer price per unit plus application fee is 50 sen and the approved fund size is 600 million units for each fund.

ANNOUNCEMENT OF NEW FUND

CIMB ISLAMIC DALI EQUITY THEME FUND

We are pleased to announce to you the new fund – CIMB Islamic DALI Equity Theme Fund, which will be launched on 28 February 2008. The Initial Offer Period (IOP) for this fund is until 19 March 2008.

The Fund aims to provide investors with medium to long term capital appreciation through investments in securities of Malaysian companies that will benefit from prevailing investment themes and that conform with Shariah principles.

Please take note that CIMB Islamic DALI Equity Theme Fund is open for CASH & KWSP investment.

Asalnya nak launch 18hb, tapi lewat sikit dapat approval...so jangan lepaskan peluang ini untuk maximumkan return KWSP anda ketika hari tua....

Dividen LTAT 16 peratus

Utusan Malaysia 13/02/2008

KUALA LUMPUR 13 Feb. - Datuk Seri Najib Tun Razak hari ini mengumumkan dividen Lembaga Tabung Angkatan Tentera (LTAT) sebanyak 16 peratus, iaitu yang tertinggi sejak 10 tahun lalu.

Menurut Timbalan Perdana Menteri, sebanyak 120,000 pencarum akan menikmati dividen bagi tahun 2007 itu yang melibatkan pembayaran RM552.2 juta.

Dividen LTAT bagi 2006 ialah sebanyak 15 peratus.

p/s : Dividen LTAT boleh lebih dari 15%...tapi ASB kurang dari 10%...??? Why...??? Kenapa...??? Mengapa...???

Tabung Haji umum Dividen 2007

Dividen tujuh peratus -- * Tertinggi sejak 2001 * Bayaran terbesar Tabung Haji

PUTRAJAYA 5 Feb. – Tabung Haji hari ini mengumumkan pemberian dividen sebanyak tujuh peratus kepada kira-kira 4.2 juta pendeposit aktifnya bagi tahun 2007, iaitu dividen yang tertinggi sejak tujuh tahun lalu.

Menteri di Jabatan Perdana Menteri (JPM), Datuk Dr. Abdullah Md. Zin berkata, kadar dividen itu meliputi lima peratus dividen tahunan dan dua peratus lagi dividen khas yang pertama kali diberikan kepada pendeposit Tabung Haji.

Menurutnya, kadar dividen tujuh peratus itu membabitkan pembayaran keseluruhan sebanyak RM1.05 bilion kepada pendeposit Tabung Haji iaitu pembayaran terbesar sejak penubuhan Tabung Haji pada 1963.

Katanya, pembayaran dividen itu akan dikreditkan ke dalam akaun pendeposit pada 10 Februari ini.

‘‘Sejak lima tahun lalu, Tabung Haji telah dapat memberikan dividen kepada para pendepositnya dengan kadar yang amat kompetitif dan munasabah berbanding pelaburan dalam sektor perbankan Islam,’’ kata Abdullah pada sidang akhbar mengumumkan kadar dividen tersebut di sini.

Latest Islamic Fund Ranking Year 2007

10 Dana Unit Amanah Islamic Terbaik (1 year)

Latest top 10 ranking (Equity Malaysia) base 1 year total return (%) 29/11/06 - 31/12/07...

1) CMS Islamic - 78.97%
2) ING Equity Islam - 61.01%
3) CIMB Islamic Equity Aggressive - 51.65%
4) CIMB Islamic DALI Equity - 50.11%
5) CIMB Islamic DALI Equity Growth - 49.52%
6) CIMB Islamic Equity - 48.59%
7) RHB Islamic Growth - 48.12%
8) Alliance Dana Adib - 44.07%
9) PB Islamic Equity - 46.58%
10 PRUdana al-ilham - 46.14%

10 Dana Unit Amanah Islamic Terbaik (3 years)

Latest top 10 ranking (Equity Malaysia) base 3 years total return (%) 31/12/04 - 31/12/07...

1) CMS Islamic - 123.64%
2) ING Equity Islam - 97.16% ***
3) CIMB Islamic DALI Equity - 86.81% ***
4) MAAKL Al-Faid - 83.41% ***
5) Public Ittikal - 81.65%
6) CIMB Islamic Equity - 80.31% ***
7) MAAKL Syariah Index - 79.89%
8) Public Islamic Equity - 77.48% ***
9) Kenanga Syariah Growth - 75.28%
10) Alliance Dana Adib - 74.66% ***

***Not available for 5 years return.

Source by Personal Money issue #78 (February 2008)

New : CIMB Islamic DALI Equity Theme Fund

Sedikit info pasal CIMB new Fund yang akan launch pada 18 February 2008.

CIMB Islamic DALI Equity Theme Fund (Local)

Fund benefits
- Identifies future emerging investment theme
- Invest in stocks in the most promising sectors based on sustainable investment themes
- Take advantage of investment themes early on to capitalise on its opportunities
- Invest in Malaysian companies benefiting from global & domestic investment themes
- Shariah compliant - Investments in an ethical way, approved by experienced Shariah advisors
- Eligible for EPF Members Investment Scheme
- No foreign exchange rate risk - Pure domestic play

Investment Strategy
- Up to 98% of NAV in Shariah-compliant Malaysian equity securities
- At least 2% of NAV in Shariah-compliant liquid assets

Sector outlook on key investment themes
- Oil & Gas
- Plantation
- Retail
- Construction

Annual Management Fee Up to 1.50%
Trustee Fee 0.08%*
Application Fee Up to 6.5%
Application Fee (EPF)Up to 3%
Withdrawal Fee Up to 1.0%**

*subject to minimum of RM18,000 p.a.
**chargeable within 3 months from the commencement date

Lagi satu new fund CIMB Principal MENA Equity Fund...invest kat Middle East and North Africa Region (Oil)...memandangkan conventional...maka tak payah ler cite banyak-banyak...

EPF to start ’em young on investments

This is under the EPF's new “Beyond Savings” scheme where members can withdraw a portion of their savings from their Account One that is in excess of a “basic savings,” which varies according to age.

This basic amount increases according to the age of the contributor and would ensure that he had at least RM120,000 by age 55, said EPF organisational development division head Hizwani Hassan.

Under the new scheme, contributors can withdraw at least RM1,000 and up to 20% of the excess amount once every three months.

For example, the basic savings amount for a contributor aged 25 is RM9,000 while a person aged 35 must have at least RM29,000 before he can make a withdrawal.

Currently, members can invest 20% of the excess of RM55,000 in Account 1. This scheme will be scrapped on Feb 1.

“The amount of savings put aside in Account 1 progressively at various pre-determined age levels is to enable members to accumulate the minimum savings that will enable them to reap RM500 a month for 20 years (after retirement),” said Hizwani.

For an employee to achieve the RM120,000 basic savings, it is estimated that an 18-year-old, at current contribution rates, will have to earn at least RM444 a month with a 3% yearly increment and at 4% annual EPF dividend, he said.

By Feb 1, 1.76 million contributors will be eligible to invest RM23bil from Account 1, compared to 850,000 people who are eligible to invest RM96bil currently.

Meanwhile, from Feb 1, about 150,000 employees aged between 55 and 75 will have to make mandatory EPF contributions.

EPF deputy CEO Ibrahim Taib said that the new ruling was introduced in view of Malaysians living longer and to encourage those above 55 to continue working.

Under the scheme, employees will contribute 5.5% and employers 6%, he said at the EPF headquarters here yesterday, adding that employees can also opt to contribute more.

Currently, contributions from those aged 55 and above are voluntary, and the amount is agreed upon between employers and employees.

Those who fail to contribute will be liable to three years' jail and can be fined up to RM10,000 or both under the EPF Act, Ibrahim said.

For non-citizens aged 55 to 75 who chose to contribute after Aug 1, 1998, the rate is 5.5%, while employers pay RM5 a month.

As of Dec 31 last year, there were 5.57 million EPF contributors and 144,467 were between 55 and 75 years old, said Ibrahim.

KWSP Isytihar Dividen 5.8 Peratus Bagi 2007

KUALA LUMPUR, 22 Jan (Bernama) -- Menteri Kewangan Kedua Tan Sri Nor Mohamed Yakcop hari ini mengumumkan dividen 5.8 peratus bagi Kumpulan Wang Simpanan Pekerja (KWSP) bagi 2007, lebih tinggi daripada 5.1 peratus pada 2006.

Katanya, dividen lebih tinggi itu dibantu oleh pasaran saham yang lebih kukuh dan juga kecekapan KWSP dalam mengurus dananya yang berkembang.

"Ia adalah peningkatan yang besar. Pasaran saham baik dan KWSP berkesan dan cekap dalam mengurus dana yang besar dan berkembang," kata Nor Mohamed kepada pemberita selepas melawat ibu pejabat KWSP di sini.

"Kita mampu mengisytiharkan dividen yang semakin tinggi sepanjang beberapa tahun. Saya anggapnya sebagai pulangan yang menarik pada 5.8 peratus," katanya.

KWSP ialah dana keenam terbesar di Asia dengan jumlah peruntukan aset sebanyak RM312 bilion.

-- BERNAMA

Jumlah Simpanan Asas Dalam Account 1 KWSP

***Klik pada jadual untuk gambaran lebih besar

Pada 17hb January 2008, KWSP telah mengeluarkan jadual terkini untuk pencarumnya mengeluarkan simpanan account 1 untuk tujuan pelaburan...

How to calculate service charge...?

Below is an example of how the calculation is done when the fund service charge (sales charge) is 6.5% :

Initial investment = RM10,000.
NAV per unit = RM0.5000.

Service charge per unit :
= NAV per unit x Service Charge (%)
= RM0.5000 x 6.5%
= RM0.0325

Total service charge incurred :
= Service charge per unit + NAV
= RM0.0325 + RM0.0500
= RM0.5325

Units credited to your account :

= Initial invested /NAV per unit
= RM10,000/RM0.5325
= 18,779.342 units

Nett amount invested :
= NAV x Total units
= RM0.5000 x 18,779.324
= RM9389.662

Total service charge :
= Initial invested - Nett amount invested
= RM10,000 - RM9389.662
= RM610.338

New fund CIGEF launching today...!!!!

ANNOUNCEMENT OF NEW FUND – CIMB ISLAMIC GLOBAL EQUITY FUND

We are pleased to announce to you the new fund, CIMB Islamic Global Equity Fund, which will be launched on 8^th January 2008. The Initial Offer Period (IOP) for this fund is from 8^th January 2008 to 28^th January 2008.

CIMB Islamic Global Equity Fund aims to provide investors with medium to long-term capital appreciation, through investments in the global markets that comply with the Shariah principles. Kindly note that this fund is open for CASH INVESTMENTS only.

The Fund seeks to achieve its objective by investing principally in equity securities which are Shariah-compliant selected from investment markets around the world, which the fund manager believes are undervalued and have the potential for significant growth. Asset allocation:

• 70% to 99% of the Fund's NAV can be invested in Shariah compliant global equities.


• The balance of the Fund’s NAV will be invested in Shariah-compliant liquid assets.


• Approved fund size is 300 million units. The fund’s initial offer period ends on Monday, 28 January 2008.

Choose your number...

There are 3 types of people in this world :

1. Who don’t know what happen...
2. Who only see what happen...
3. Who make things happen...

So, you are in number...???

I know you must belong to the no 3 group...congratulation...!!!

Only risk taker can be success in their life....

Method pelaburan Unit Trust

Hmmm...ramai lagi yang tak berapa faham tentang bagaimana cara membuat pelaburan Unit Trust nie...
Actually cara untuk membuat pelaburan terdiri daripada 3 cara iaitu :

1. Lump sum
2. Regular saving
3. EPF (Account 1)

1) Lum sum
Lum sum bermaksud pelaburan sekali gus dalam 1 amount...RM1000, or RM10,000 or RM100,000...Kemudian tanpa melakukan pertambahan modal atau membuat penambahan jarang-jarang sekali...

2) Regular Saving
Regular saving adalah bermaksud menyimpan secara bulanan melalui auto debit dari account bank...ianya tidak terikat pada mana-mana syarat, ikut pada kemampuan pelabur serendah min RM100 dengan tanpa ada tempoh matang/ikatan tertentu...

Melalui regular saving, pelabur boleh membuat pelaburan bertujuan samada untuk pendidikan anak, persaraan, simpanan, pelancongan, perkahwinan, membeli rumah atau sebagainya...bergantung pada tujuan anda...

Kelebihan regular saving ialah anda akan membuat Dollar Cost Averaging (DCA) di mana setiap bulan NAV anda akan berada pada tahap purata...ianya lebih menguntungkan...

3) EPF
Pelaburan melalui EPF perlu memenuhi syarat-syarat tertentu seperti berikut :

• Pengeluaran hanya dari account 1 sahaja.
• Perlu ada jumlah baki yang mencukupi (refer tajuk terdahulu untuk penerangan lanjut)
• Boleh dikeluarkan setiap 3 bulan sekali selagi memenuhi syarat.
• Minimum setiap pelaburan RM1000

Apa pun perlu diingat...pelaburan unit trust adalah medium to long term...tapi kalau dah rezeki insyaAllah dalam tahun pertama dah boleh gain more than 50%...

CIMB is Tops

The Star - 03 Jan 2008

PETALING JAYA: The CIMB group topped the league table as the biggest corporate dealmaker in Malaysia for 2007, based on data compiled by Bloomberg.

The country’s top investment adviser increased its domestic market share on all fronts, from helping local companies to selling around RM35bil worth of bonds last year.

The amount comprised RM19.1bil worth of domestic bonds and RM15.88bil worth of Islamic papers.

That gave the bank a 35% share in the conventional debt market and 42% share in the Islamic bonds market.

Its nearest rival, AmInvestment Bank Bhd, sold a combined RM10bil worth of Islamic and conventional debt papers in 2007, chalking an average market share of 11%.

In the initial public offering market, CIMB helped companies raise RM1.28bil from listing on Bursa Malaysia, or slightly more than half of the total volume of RM2.4bil recorded in 2007.

CIMB’s involvement in mega merger and acquisition (M&As) deals last year boosted the group’s ranking in the region.

The firm, headed by chief executive officer Datuk Nazir Razak, climbed from seventh to second place behind JP Morgan in the South- East Asian market for 2007, with M&A arrangements worth US$21.66bil (RM71.7bil).

CIMB also participated in 33 deals in China and Hong Kong valued at US$6.2bil (RM20.5bil) during the year.

Another local banker, RHB Investment Bank Bhd, jumped to seventh place in the South-East Asia region ranking, with total deals amounting to US$14.5bil (RM48bil).

The biggest advisory arrangement for CIMB during the year was the US$11.9bil (RM39.3bil) takeover of Maxis Communications Bhd in May by Binariang GSM Sdn Bhd.

The privatisation exercise went on to become the biggest announced M&A exercise in South-East Asia and third largest in Asia Pacific (excluding Japan) in 2007.

The largest M&A deal in the region during the year was the US$15.1bil takeover of Australia’s Coles Group.

During the year, the Asia Pacific region saw US$780bil worth of deals announced, or 16% higher compared with 2006.