Personal Finance Money Tips

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

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 ...

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% ...

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 ...

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 ...

Case Study: Consolidating Personal Loan, Mortgage and Credit Card Debt

I received a query on debt management. Hi, Mr Lau, First of all, many thanks to you for giving me the free e-book. Its’ worth reading, cause I’m aware of unit trust investment now. As introductory, I’m female, age 33, working in a factory. I’m in debt, honestly. I’m in debt of personal loan, housing loan, credit card loan. However I’m also having passive income, if that’s correct to describe my monthly income from 3 acre land of kelapa sawit. But honestly I’m not a decision maker in financing. Would you please advise me on below problem; Debt ...

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