Returns and Profits in Public Mutual

Dalam public mutual..pulangan untuk unit trust ini lebih tinggi merangkumi distribution n capital gain (untung unit).

Distribution tu dapat setiap tahun.. capital gain hanya dpt bila kita jual balik unit.

Sebagai contoh yang simple...katakan la...

kita invest RM10,000 dgn harga 0.21sen untuk PCIF..setelah ditolak service charge 5.5%= RM 550, nilai akan bkurang kpd rm9,450.

Maka Total Unit = rm9450/0.21sen = 45000unit.

Katakanlah setelah 2thn harga seunit meningkat sehingga 50sen..dan kita nak jual semua unit.. kita akan dapat...

1) Distribution = 15% x RM9450 x 2thn = RM2,835.

p/s: andaikan distribution (dividend) ialah 15% setahun...

Untung Seunit= Harga Jual - Harga Beli= 0.50sen - 0.21sen= 0.29sen seunitp/s : 0.29sen untung untuk seunit.

2) Capital Gain = Jumlah unit x untung seunit45000 unit x 0.29sen= RM 13,050.00

So..

Total Return = Distribution + Capital Gain= RM 2,835 + RM 13,050= RM 15,885

Jumlah Dlm Statement = RM 9,450 + RM15,885= RM 25,335 (untuk 2thn)

p/s: Selagi kite tidak jual, capital gain tidak dikira dlm akaun.. yg dikira hanya distribution, dan distribution setiap thn tdk tetap.. akan berubah2.

Biasanya kalau pulangan dlm akaun melebihi 100% seperti cth diatas, agent akan inform client then tanya samada nak jual unit atau tidak..perlu di ingat jugak, semakin byk kita invest semakin besarlah pulangan kita itu...

Melabur Dalam Amanah Saham : Wajarkah Meminjam?

Tahun 2007 saya menerima ‘brochure’ dari sebuah bank terkemuka tempatan yang menawarkan skim pembiayaan bagi melabur dalam sebuah dana amanah saham berharga tetap.

Tambah menarik, skim pembiayaan tersebut menawarkan perlindungan insurans bagi baki pinjaman yang belum dijelaskan.


Mereka mengatakannya sebagai ‘sambil menyelam minum air’. Nampak bagus!.Bagaimana pun saya ingin bertanya, dalam air yang bagaimanakah kita menyelam dan apakah jenis air yang kita diberi minum?


Berbalik kepada pembiayaan tersebut. Pembayaran balik bulanan berdasarkan KPA -0.10% ( 6.65% dengan KPA semasa 6.75%).


Adakah KPA -0.10% berterusan sehingga tempoh (tahun) pembiayaan tamat ? Berdasarkan pengamatan saya terhadap pakej sebelum ini, bank yang sama mengenakan KPA +0.1% pada setiap tahun sehingga tamat tempoh pembayaran balik.


Wajarkah kita meminjam bagi tujuan melabur dalam amanah saham?
Tiada jawapan yang tepat. Ianya bergantung kepada diri sendiri.


Apakah yang kita mahu? Apakah objektif kita melabur? Siapakah kita sebagai pelabur?Minima pembiayaan yang ditawarkan ialah RM 30,000 dan maksima RM 200,000.00.


Tempoh bayaran balik ialah dari 5 tahun hingga ke 20 tahun. Saya ingin mengambil contoh pembiayaan berjumlah RM 50,000.00 dan bayaran balik selama 20 tahun:


Jumlah pinjaman : RM 50,000.00

Tempoh bayaran balik : 20 tahun (240 bulan)

Bayaran balik sebulan : RM 377.22

Jumlah bayaran balik : RM 90532.80(240 bulan)


Berapakah nilai pelaburan anda pada tahun ke 20?

Saya mengandaikan dana amanah saham tersebut memberikan purata pulangan sebanyak 10% (compounded interest) :

Maka nilai pelaburan RM 50,000.00 : RM 336,375.00( 10 % setahun )

Bayaran balik (RM 377.22 @240 bulan) : RM 90,532.80

Keuntungan bersih : RM 245,842.20


Berapakah keuntungannya jika kita melabur dalam amanah saham tanpa meminjam?

Berdasarkan kepada bayaran balik di atas iaitu RM 377.22 dan purata pulangan 10% setahun;

Jumlah pelaburan setiap bulan : RM 377.22

Tempoh pelaburan : 20 tahun (240 bulan)

Jumlah pelaburan (pokok) : RM 90,532.20(240 bulan)

Nilai pelaburan pada tahun ke 20: RM 273,102.27( purata 10% setahun )

Perbezaan:

Nilai pelaburan bulanan : RM 273,102.27(RM 377.22 sebulan/240 bulan)

Nilai pelaburan RM 50,000 : RM 245,842.20(tolak bayaran balik pinjaman)

beza : RM 27,260.07

Mana satukah untung? Melabur melalui pinjaman atau melabur secara tetap setiap bulan? Lihat kepada diri kita. Kemampuan kita. Disiplin diri kita.


Jika kita boleh membuat bayaran balik RM 377.22 setiap bulan selama 240 kali ke dalam akaun bayaran balik pinjaman bank tidakkah lebih baik kita masukkan terusRM 377.22 ke dalam akaun pelaburan amanah saham kita?


Tidak perlu bersusah payah. Masih bank yang sama. Masih kaunter bank yang sama. Tetap 240 kali kita pergi ke bank yang sama.


CUMA: masukkan dalam akaun amanah saham BUKAN akaun bayaran balik pinjaman


Tidakkah anda mahu untung RM 27,260.07 hanya dengan menyimpan duit melalui penggunaan slip yang berlainan?


Daripada slip bayaran pinjaman kepada slip pelaburan tambahan. Kedua-dua slip ini ada didepan anda bila anda berada di bank. Pilihlah!!


Tiada modal diperlukan. Slip bayaran pinjaman disediakan. Slip penambahan pelaburan pun disediakan. Malah pen pun disediakan oleh pihak bank !!


CUMA: Gunakan kebijaksanaan anda!!!. Berfikir tidak dikenakan bayaran. Percuma.

UNTUNG: RM 27,260.07 !!!

Bagaimana pula dengan perlindungan insuran bagi baki pinjaman tidak berbayar?

Perancangan Dalam Pelaburan dan Simpanan Masa Tua

Berapakah Jangkaan Simpanan Kita Menjelang Tua?

Jom kita lihat :

Dengan permulaan dengan menyimpan sebanyak RM2000 dalam mana2 Unit Amanah, diikuti dengan menyimpan sebanyak RM100 tiap2 bulan selama 10 tahun (120 bulan):

Pelaburan Mula: RM2000

Simpanan Tiap2 Bulan: RM100

Tempoh: 10 Tahun @ 120 bulan

Anggaran Minima Pulangan Setahun: 10%

Jumlah simpanan= RM 2000 + RM12,000= RM14,000

Jumlah Pulangan selama 10 tahun= RM 26,224.89

dan berapa pula anggaran pulangan untuk 20 tahun?

mari kita lihat:

Pelaburan Mula: RM2000

Simpanan Tiap2 Bulan: RM100

Tempoh: 20 Tahun @ 240 bulan

Anggaran Minima Pulangan Setahun: 10%

Jumlah simpanan= RM 2000 + RM24,000= RM26,000

Jumlah Pulangan selama 20 tahun= RM 89,058.00

Ya...RM 89,058.00 dengan hanya menyimpan secara berdisiplin sebanyak RM100 tiap2 bulan selama 20 tahun dalam pelaburan yang memberikan purata pulangan sebanyak 10% setahun...dan setakat ini Unit trust telah pun menjangkau ke 20%...kalau lebih..do your math!

Do's and Don'ts of Choosing a Unit Trust Fund

Do

1. Decide which type of unit trust fund meets your saving needs.
2. Shop around for a reliable unit trust company
3. Check whether investment limits, frequency of income payments, etc, are suitable
4. Check past performance records
   

Don't

1. Don't choose any unit trust fund just because its performance has been good, make sure it is the right fund for you.
2. Don't pay too much attention to short term performance, good consistent performance over all periods is the best lead.
3. Don't decide on a unit trust fund just because it has low charges, good performance is far more important
4. Don't borrow to invest in unit trust unless you are absolutely aware of the risk involved.

Why You choose Unit Trust???

With the proliferation of various types of investment products in recent years, people often look for a straight forward, professionally managed investment opportunity that caters for basic investment needs. Public Mutual Berhad has succeeded in meeting those needs with its unit trust funds.

Children's Education
Unit trust can help you to cover the spiralling cost of education for your children or grandchildren. The sooner you start your plan, the lesser will be the burden. Time can be your greatest ally. Go to Education Planning for more details.

Home Ownership
Unit trust can help you to pay off your mortgage earlier, purchase a bigger house or upgrade your existing house. As with any plan, start early. Many bricks build a castle. Go to Home Ownership Planning for more details.

Retirement
Growing old and retiring is inevitable. It is never too early to plan for retirement even though you have the comfort of the Employees' Provident Fund (EPF). You have the right and choice to retire in dignity. Retire comfortably. Plan a nest for your retirement home, orchard and the likes. Unit trust can help do the job. Go to Retirement Planning for more details.

Cash Reserves
The only certainty in life is the uncertainty or unexpected emergencies. Unit trust can help you to set aside some cash for rainy days.
Regardless of your own needs and wants, unit trust makes

Investment in Unit Trust..

The Role of Regulator

The Securities Commission Act 1993 provides that the Securities Commission (SC) is responsible for regulating all matters relating to unit trust schemes. The SC has drawn up a set of Guidelines on Unit Trust Funds (Guidelines) to ensure a fair and consistent application of policies in considering proposals by management companies of unit trust funds.

The Guidelines are formulated with the objective of providing a regulatory framework that would protect the interests of the investing public and facilitate an orderly development of the unit trust industry. The requirements of the Guidelines are to be complied with by all parties involved in a unit trust scheme.

In addition to the above Act and Guidelines, all unit trust management companies must comply with the Companies (Amendments) Act 1997, the Securities Industry Act 1983 and Trustee Act 1949.

The Role Of The Trustee

Whatever may happen to their performance over time, unit trust managers have a reputation for the stability of their funds that is second to none. Much of this is due the legal framework in which they operate. The government lays down strict rules that unit trusts have to follow and the machinery for ensuring that this is done.

Every individual fund has its own independent trustee, although for administrative simplicity, it is not unusual for unit trust management companies to engage one trustee for all funds. The trustee can be the Public Trustee of Malaysia or any independent trustee of Malaysia or any independent trustee companies.

The trustee's primary role is to see that the terms of the fund's deed are adhered to. The deed is a set of rules under which the trust is run, setting out such things as the investment scope of the fund.

The funds' assets are always in the custody of the trustee. Although the manager makes the decisions about the management of those assets, when to buy and sell, he cannot get his hands on them directly.This system ensures that the funds will not be used for fraudulent purposes.The manager has to deal via the trustee who will ensure that the day-to-day work of running the trust, the funds' accounts, valuations and calculations of unit prices are carried out properly and in accordance with both the deed and the rules laid down by the SC.

The trustee is also responsible for seeing that all the relevant paperwork is carried out. The trustee takes responsibility for overseeing the creation and cancellation (release) of units in the fund. The Guidelines also stipulate that unit trust managers have to produce semi annual and annual reports to its unitholders.

Where Would The Trust In Units Be Without The Trustee ?

Guidelines On Unit Trust Funds

In addition to the regulatory and safeguarding roles of the Regulator and Trustee respectively, the Guidelines provide additional safety features to protect the interest of the investing public. The Guidelines describe the characteristics of the investments permitted as opposed to prescribing the investments (which was previously investment in authorised Malaysian assets only) Furthermore, the Guidelines also reinforce the safety net by ensuring the funds are not overly exposed to high risk stocks and any single group of companies. The Guidelines are subject to review by the Securities Commission as and when it deems fit and necessary to protect and ensure the growth of the industry.

The Federation of Malaysian Unit Trust Managers (FMUTM)

The first unit trust fund in Malaysia was launched in 1959. Who would then have imagined that years later there would be billions of ringgit in funds under management?

The rapid growth of the industry in recent years has led to the formation of the Federation of Malaysian Unit Trust Managers on 7 August 1993.

The Federation was set up with four objectives :

1. To promote the industry
2. To agree on standards of practice for the protection of the interests of unitholders.
3. To maintain the good name of the industry
4. To improve regulations, tax and other rules affecting the sales of unit trusts.
5. The Federation is represented by most of the unit trust managers in the Industry.

Benefit from Unit Trust...

Professional Investment Management
A unit trust combines the capital of many investors to employ experienced management in purchasing securities of many companies. The management of a unit trust provides diversification of investments and supervision which few investors could individually afford. Investment management is a full time job requiring specialised knowledge and training.

It involves the study of a variety of factors.
Some of the factors which have to be examined are,

• Comparisons of all industries in the economy,
• Relative studies of companies within a promising industry,
• Personal contact with management of promising corporations,
• Evaluating the effect of international events, both monetary and political,
• Determining the results of government policies on each industry
  

Professional management is also interested in studying less obvious factors such as wage rates, which might affect the economy or the profitability of certain companies or corporations. It requires careful study of individual companies within the industry to determine which of the many companies offer the best prospects for the investors. It requires comparing this company with the best companies in other promising industries. Since all this factors are constantly changing, re-evaluation and study have to be continuous.

Diversification

• Diversification means spreading one's investments among many securities. It is an important method of reducing risk. It decreases the danger of damaging losses, which can occur through having all of one's eggs in one basket.
• Diversification is difficult and expensive for a small investor because the cost of purchasing numbers of shares in many companies at the same time is disproportionately high.
  Unit trusts with their resources are able to make widely diversified investments available to even the smallest investor.
• Diversification involves the ownership of many different securities. All the securities owned by an individual investor or unit trust fund are referred to as an investment portfolio.

Liquidity

• An investor can sell his units, wholly or partially, at the following trading day's unit buying price. Units have a high liquidity, that is, they can be readily converted into cash.
• It has to be remembered, however, that unit trust’s units will be redeemed at the prevailing buying price on the following day after receipt of the repurchase form.
• The unit price may be higher or lower than the price at which the investor started the plan. Unit trusts should be regarded as a long term, rather than short term investment.
  

Advantages of Compounding

• Many unit trust funds provide facilities for investors to reinvest their distributions. For those who opted for distribution reinvestment, the fund will automatically credit the distributions into the account, rather than sending distribution warrants.
• This process of reinvesting the income from the original investment and also of reinvesting the return on the total accumulating investments is called compounding.
• As an illustration, if at 25, you invested RM100 at the beginning of every month at an interest growth of 10% per annum until age 65, your investment would have grown to RM638,000 ! The key element to compounding is time.
• The longer the period of time, the greater the growth.
  

Regularity of Investing

• Many people do not have substantial sums of cash available to invest, but they can develop an investment account, investing smaller sums regularly in a unit trust.
• Most unit trust funds have plans available to make it possible for smaller investors to invest relatively small amounts monthly.
• It is easy and inexpensive for an individual to acquire units through deposits of RM100 or more a month in a unit trust fund.
  

Fund Administration - The Convenient Factor

• Few people have the experience, time or facility to properly set up an investment programme, much less to supervise it constantly.
• Unit trust managers have emerged as professional organisation devoted to solving the investment problems of people from all walks of life.

Unit trusts relieve their investors of the need to handle their own securities transactions. Investors in unit trust funds are not obliged to concern themselves with matters such as,

• Obtaining quotations on securities being bought and sold
• Delivery and payment for the securities involved in each transaction
• Safekeeping of cash and securities
• Accounting and bookkeeping procedures, etc
  

Investors of unit trust funds will receive semi annual and annual reports which describe

1. The portfolio of the funds
2. Investment changes made in the period
3. Distributions paid, if any
4. Fund manager's opinion on the economic and market outlook