Pulangan Simpanan & Pelaburan

Berikut adalah merupakan purata pulangan semasa untuk akaun simpanan (saving account) dan pelaburan :

Bank biasa, faedah(riba) : 1%
Al-Mudharabah : 3%
KWSP : 4-5%
Tabung Haji : 3-4%
ASB : 7-8%
Koperasi Bank Rakyat : 15%
Unit amanah : 12% ke atas & bergantung kepada harga pasaran semasa
Saham BSKL : Bergantung kepada harga pasaran semasa

Untuk pelaburan, sekali lagi perlu diingatkan, walaupun kadar pulangan boleh dijangka. Namun, ia tidak memberi sebarang jaminan bahawa nilai pulangan yang diperolehi pada tahun berikutnya adalah sama, atau lebih tinggi atau pun lebih rendah berbanding dari tahun sebelumnya. Ianya bergantung kepada harga pasaran semasa.

Sebagai seorang pelabur seseorang itu harus menyedari sepenuhnya mengenai risiko yang terbabit. Seperti di dalam unit amanah, terdapat beberapa dana-dana yang ditawarkan. Pelabur harus bijak memilih dana-dana mengikut kesesuaian,objektif pelaburan dan profil risiko. Ini kerana setiap dana-dana tadi mempunyai risiko yang tersendiri seperti berisiko sederhana (moderate risk) atau pun berisiko tinggi (high risk).

Carta di atas (*sumber daripada Personal Money 2002) menunjukkan risiko dan anggaran pulangan pelaburan (Return Of Investment - ROI). Ini termasuklah simpanan tetap (fixed deposit), insurans, bon-bon, pelaburan hartanah, dan syir (share). Pelabur boleh mempelbagaikan pelaburan mereka seperti bon, hartanah dan syir untuk meluaskan lagi perolehan tetapi semakin tinggi pulangan yang diingini oleh seseorang pelabur maka semakin tinggi jugalah risiko yang perlu ditanggung.

Seseorang pelabur hendaklah mempunyai pengetahuan yang cukup di dalam bidang pelaburan dan mengetahui risiko yang bakal dihadapi.

Understanding Unit Trust (v2)

Masih ramai x tau kewujudan unit amanah (unit trust) ni kat Msia, selain ASB dan produk2 lain dlm PNB. Tahukah anda bahawa anda juga bole membeli/melabur unit amanah di company2 commercial yang lain, dan ada antara mereka yg menawarkan pulangkan sehingga 7-8 fold drp apa yg anda dpt dalam ASB.

Theoritically, ini adalah beberapa benefits am (including ASB) investing in unit trust:

Affordability
Unit trusts are very affordable. Investors can start with an investment amount as low as RM100.

Diversification
Rather than concentrating an investment portfolio of one or two investments or shares, a portfolio of market securities can be held. The wider the spread of investments, the less volatile (i.e. variable) the investment returns will be. In simple terms, investment into unit trusts means diversification of risk: "not putting all your eggs in one basket."

Liquidity
Most investors prefer that their investment to be liquid. That is, they can easily buy and sell withour difficulties. Unit trusts provide this benefit, easily bought and sold. An excellent return that cannot be "cashed-in" (i.e. sold) does not necessarily mean a good investment as poor liquidity constitutes an additional risk factor for the investor.

Professional Fund Management
The people managing unit trusts are approved professionals. Their training and background ensures that decision making is structured and according to sound investment principles. In the process, unit trust funds enjoy the depth of knowledge and experience that fund manager can bring. In the long term, it is this expertise that should generate above average investment returns for unit trust investors.

(taken from FMUTM website at www.fmutm.com.my)

Papa nk share kelebihan melabur dalam unit trust, sekadar informasi utk dikongsi bersama....


What are Unit Trusts ?


Unit Trusts are a form of collective investment that allows investors with similar investment objectives to pool their funds to be invested in a portfolio of securities or other assets.

A professional fund manager then invests the pooled funds in a portfolio which may include the asset classes listed below:

Cash
Bonds & Deposits
Shares
Property
Commodities

Unit holders do not purchase the securities in the portfolio directly. Ownership of the fund is divided into units of entitlement. As the fund increases or decreases in value, the value of each unit increases or decreases accordingly.The number of units held depends on the unit purchase price at the time of investment and the amount of money invested.
The return on investment of unit holders is usually in the form of income distribution and capital appreciation, derived from the pool of assets supporting the unit trust fund. Each unit earns an equal return, determined by the level of distribution and/or capital appreciation in any one period.

Unit trust investors are typically those with savings to invest, who neither have the time nor the inclination to hold portfolios of direct investments or shares. Rather, they prefer to invest in a secure, reputable investment vehicle which suits their purposes. Unit trusts allow investors to have easy access to a wide range of investment exposures not normally available to them.
As investors seek to maximise returns on their financial resources, unit trusts provide an ideal way for them to gain exposure to investments that, in the long run, should produce returns superior to cash savings and fixed deposit investments.

The cost of these potentially higher returns is of course the risk that accompanies the investment. In the short run, the certainty of investment returns of most unit trust products is less than those offered by fixed deposits. However, in the medium to long term (i.e. 3-20 years), unit trust investments generally provide superior returns at acceptable levels of risk.

070707

Salam semua,

eheheh smalam lepas je jemput faris lepas isya', main2 la ngan die..pastu papa borak2 la...skali die ckp....

""Okkaayyyyy...""

papa tguling2 gelak sbb tkejut, festaim die ckp gitu..slalu "akhe"...takpon bahasa die la...

pastu cite kt mamafaris..huhh..die x caye..die kate papa salah dgr..tipu la..

malam tu mase die tukar lampin faris...agaknye faris nk tunjukkan kebenaran..die pon skali lg ckp..


""Okkaayyyyy...""

p/s: papa is always right...walaupon x subscribe astro MAX...