Personal Finance Money Tips

A Malaysian compiling Lots of tips and advices on personal financial planning - Protect, accumulate, preserve, and manage your WEALTH wisely!

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How Fundsupermart will Revolutionize the Unit Trust Industry in Malaysia

I've attended a training session by iFast Capital Sdn. Bhd last week. Frankly speaking, I would say that it is the future of unit trust investing in Malaysia. Who is iFast Capital Sdn. Bhd iFAST Financial Pte Ltd is Singapore's leading online distributor of unit trusts as well as the leading operator of an investment platform for financial advisers and financial institutions. They are operating the successful platform of Fundsupermart.com in Singapore. Now, they had come to Malaysia and launched the Fundsupermart.com.my which distributes about 70 unit trust funds from eight different unit ...

How to inspect the property before you buy

There is an article at The Star about inspecting the property. Architect Anthony Lee shared some useful tips. I have been hunting for properties lately. These tips are published just on time. We shouldn't overlook minor defects because it might lead to major problems requiring corrective renovation in the future, hurting your pocket even more. The tips include: checking outside the house for big trees - too close may cause structural problems checking the fences and gates (inspect the base) checking the roof gutter - make sure they run on a straight line - water ...

Get back your Money

Whenever I spend money on something, I'll make sure that I get back more than the value I paid for.This is especially true when it comes to books. I spend thousands of ringgits buying books every year. The books not only serve as classy decoration, I also learn a lot and being entertained during the process of reading.The Last time I spent US$9.95 to buy the Adsense Secret ebook, it had guided me to better tweak the adsense ads on this blog. I have made back that money many folds.Before ...

AmCommodities Active-Capital Protected (AACP) Fund

When the market is going south with political uncertainty and the fear global economic recession, capital protected funds have become the next hot investment product. AmInvestment Bank Group launched an unconventional capital protected fund, called AmCommodities Active-Capital Protected (AACP). Some quick facts: invest in commodity market authorised fund size of 200 million units RM1 per unit public offering: Sept 8 to Oct 7, 2008 minimum investment: RM5,000 mature in three years seek capital protection from ringgit-denominated zero coupon negotiable instruments 10% of the fund would be invested in an option linked to an actively managed commodity investment strategy expect 8-10% ...

How to Calculate Your Investment Portfolio Return?

Investing in various asset classes and never bother to track and monitor its return, is like flirting with several girls at the same time and never bother whom will ultimately be your wife. Don't blindly invest and forget. It is like flirting without knowing what you will get. You just need an extra step to calculate the return of your investment portfolio. Let's say you invest in several asset classes. Your gold investment gives over 100% return last year. Your stock investment turned sour after the 8th of March Malaysian general election. ...

Ride on the Oil Palm Industry Boom

Recently I've got some clients asking my opinion about the oil palm investment opportunity. A few days later, I received an exclusive offer (is it really exclusive?) from Alliance Bank to participate in the Country Heights Grower Scheme (CHGS). By investing a minimum of RM7000 per plot of 1/4 acres, you will enjoy the upside exposure of oil palm boom. Did I invest in it? No, I didn't. But don't go away yet. Read on to find out more. What is CHGS? According to the brochure: Country Heights Grower Scheme is an innovative concept ...

Picking the right Structured Fund

One of the famous rules of investing is -- never lose money. There is one kind of investment vehicle that are attractive to investors looking for downside protection, at the same time who would also like to see gains from upside movements in the markets. Simply put it this way - you want to earn money when the market ist good. But you don't want to lose money if the market goes down. photo credit: MShades In a volatile market like the current situation, a structured fund is being regarded as a ...

Centennial Max Plan: Structured Single Premium Investment-Linked Insurance

In this volatile market, more investors are looking for conservative investment with capital preservation. That's why there are so many structured fund being launched recently, including PNB Structured Investment Fund and Takaful MyAl-Afdhal. The latest structured investment fund from Great Eastern is the Centennial Max Plan. If you are looking for something that has potential to beat the return of Fixed Deposit and gives a capital protection feature, structured funds might be your cup of tea. Below is the information taken from Great Eastern about the newly launched Centennial Max Fund. FREQUENTLY-ASKED ...

Investment-linked funds performance last year

I am glad to receive investment-linked funds annual report for last year in CD format from insurance companies. The first copy I received is from AIA. Later, I got a few copies mailed from Great Eastern. Previously, all the report were printed in hard copy format. Annual Report in CD format I personally feel that it is a good move. Not only it is greener because of less paper being wasted, it also saves us a lot of office space. I can keep the report in my PC. Whenever I need to ...

Should You Invest in PNB Structured Investment Fund?

Permodalan Nasional Bhd (PNB) just launched a new Structured Investment Fund (SIF). This RM3 billion closed-end fund will invest in structured products and a property trust that owns PNB buildings. Some people may not know who are PNB. But I am sure you have heard of Amanah Saham Nasional (ASN). PNB is currently managing RM76 billion worth of funds from 8.8 million unitholders of ASN, ASW, ASG, etc. What's a structured investment fund? A structured investment product is generally a pre-packaged investment strategy which is based on derivatives (ie. options etc) but which ...

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