Type of Unit Trust

1.Equity Funds

An equity unit trust is the most common type of unit trust. The major portion of its assets are generally held in equities or securities of listed companies.

Equity unit trust funds are popular in Malaysia as they provide investors with exposure to the companies listed on Bursa Malaysia. The performance of the units is therefore linked to the performance of Bursa Malaysia. A rising market will normally give rise to an increase in the value of the unit and vice-versa.

There is a wide array of equity unit trusts, available in the market, ranging from funds with higher risk, higher returns to funds with lower risk, lower returns.

Aggressive growth funds
These funds invest generally in companies with higher capital growth potential but with associated higher risk

Index funds
These funds invest in a range of companies that closely match (or “track”) companies comprising a particular index.

International equity funds
These funds invest primarily in overseas share markets.


2.Fixed Income Funds

These funds invest mainly in Malaysian Government Securities, corporate bonds, and money market instruments such as bankers acceptance and fixed deposits. The objective of a fixed income (or bond) funds is usually to provide regular income, with less emphasis on producing capital growth for investors. It is possible, however, for fixed income funds to generate both capital gains and losses during a period of volatile interest rate.


3.Money Market Funds

Money market funds operate in a similar way to a bank account-the unit price is normally set at a fixed amount. Money market funds invest in low risk money market instruments that are in effect short-term deposits(loans) to banks and other-low risk-financial institutions, and in short-term government securities.


4.Real Estate Investment Trusts (REITS)

REITs invest in real properties, usually prominent commercial (office) properties and provide the investor with an opportunity to participate in the property market in a way which is normally impossible to the small time investor. By acquiring units in a listed REITS, however, it is possible to invest a small amount to gain exposure to the property market and have diversification in your portfolio.


5.Exchange Traded Funds (ETF)

ETF is linked unit trust fund whose investment objective is to achieve the same return as a particular market index. ETF often have low expense ratios and can be bought and sold throughout the trading day through a stockbroker, on an exchange.


6.Balanced Funds

Some investors may wish to have an investment in all the major asset classes to reduce the risk of investing in a single asset class. A balanced unit trust fund generally has a portfolio comprising equities, fixed income securities, and cash.


7.Syariah Funds

The main objective of Syariah funds is to provide an alternative avenue for investors sensitive to Syariah requirements. Syariah funds will exclude those companies involved in activities, products or services related to conventional banking, insurance and financial services, gambling, alcoholic beverages and non-halal food products.


P/S: Nah,this is something that i learnt from book/internet..by the way,u will see that fund number 1-4 frequently in our local banks or people approached u..Bah,sama2 kita belajar tg "tuhsin" kio!!

@silent

Hello hello~ Annyonghaseyo (korean greeting to say hello) :)

Yaya is back! haha.
Sorry for the silent. busy betul this month. presentation, 2nd test, written assignment, final year project. Woah.. its really took my time away from writing here.

So.. what is our story today? I just read dr.Prim (official name from now :P) punya writing. Its really the good one since the economic now is unstable - its recession kan?. I didn't know what exactly happen to the global economy but as far as I am concern, SAVING is really something good to do. atleast for the emergency case kan... no need to lend from others. (owh ohhh.. economic speaking ni... )haha.

Before I start mumbling... want to take this opportunity to wish HAPPY BIRTHDAY to our YS friend who born in March. Let me sing a song to you :-

"Happy Birthday to you...

Happy Birthday to you...

Happy Birthday...

Happy Birthday...

HAPPY BIRTHDAY TO YOU!"

If I'm not mistaken its Azmi, Dayang Asmah, Siti Saharaneh, Hannah and Ghadaffi's birthday. ini according to friendster punya birthday. Siapa2 yang punya birthday tidak disebutkan di sini. harap maaf ya.. coz I was referring to my friendster birthday list. kalo teda tu I assumed maybe u're not in my network or I missed the date. hehe. Anyway... to the birthday boy/girl; I wish you all the best in your life and happy always ^^,

Well... well... Anyone like korea here? I do! hehe. today I want to share about Korea to you - Korean Foods.yummy~ :P. I started to like korea after watching korean drama My Name is Kim Sam Soon (I think some of us watched it coz it was aired at 8TV last time). Its really funny somehow it give some meaning to my life. hehe. Actually, it become the starting point for me to discover Korean culture, food and customs plus language. So, the journey begin...

((This shop located at Ampang Point.Sesapa di kl boleh laa pegi))

Last friday I went to Ampang to eat korean food. hehe. Its really delicious. I bet you want to come again once you eat there -it was in the case of me. ngeee. for this year, last friday was the 3rd time I went there. dahsssyaat. I think this time was special and weird too. 1st time I went there the owner speak english to me. 2nd time I've been there, she mix it with korean. and this time she totally speak korean with me. woaaahhh. thank God I can understand. I can speak korean but only the simple one. this onni (mean sister) she speak formal korean to me and I relpy it with unformal korean. haha. Its weird and funny but I like it. :)

((mandoo))

The food was marvellous. The Kimchi was fresh. and the price is reasonable too. Last time I went there I ate Yuek Gae Jang and this time I tried Sam Gae Tang plus mandoo - korean dumpling. haha. want to know more about this food? go to this page. Its really helpful and lots of info about korean food. Next time I plan to eat Jjang Myeon - korean black noodle. hehehe. I post you some photo k. Enjoyyyy~

(( Sam Gae Tang))

((Mandoo + Kimchi))

Owh.. before I forgot, there will be a mini gathering of X-Yayasan Sabah Student at YS house at Ampang on April 4, 2009. It organize by our super2 senior I think; the reason is - I didn't know any of them and the name also unfamiliar. haha. by the way... if you interested on join in the gathering u can do so. For more info... jump to here - XYS mini gathering. I give you some detail here if you malas to click there :P

Host : X-YS student Community

Date: April 4, 2009 (Saturday)

Time : 2:00 -6:00 pm

Location : Rumah Yayasan Sabah, Lorong Enau, Off Jln Ampang. KL

Person In Charge: Zatulhejanah. (0193348575) or mail: zatulhejanah@gmail.com

I'm not confirm yet to attend this event. but if I have nothing to do, I'll go there. lama suda nda pegi rumah ys. I heard that auntie Zaidah is the head of Ampang house now. Last time I met her, she suda ok. nda suda garang macam dulu. Auntie Norainie also there. Uncle Hamzah sudah pencen and uncle Roslan pun still there. hehe. bah.. sesiapa yg around KL boleh laa datang kali.

(( Mt.Kinabalu))

Apa lagi.. yaaa.. Rindu betul mo pulang Sabah. tungggu! On May I'll return to KK for good. So geng, kalo mo buat reunion di KK jum. coz I'll be there soon. hehe. Ini hint untuk si Atie. Program Manager for the reunion. haha. ok. set aaaa.

Okay, go to go now. Sehingga kita bertemu lagi... hehe. Wish me luck I have final exam this coming April. :)

P/s : Bon Voyage cik Sarani kita to Mesir. asal laa ko balik sini awal sangat? nda dpt jumpa pon :(

Till then, yaya sign off.

Save Yourself !!!

Jangan Malu Bertanya !!! Is it wrong to ask? Have a time to buy&read about financial/investment books?

Bingung?dont be, coz this is my self-reminder about how this life is going on..so,by remind myself,sia always wanna learn sometg which i duno,but play a great role in my life - MONEY!!

Before i started go Uni, a friend of mine told me that a good way for investment, is using your 1st salary to buy a house!!not a car,which lots of us do it now (including myself!) why?coz,the earlier u buy house,then u have long time to pay that house loan sebab masih muda bah, compared to car since u might change it someday!! but once u have that house,never stop to invest,coz that house is not profitable if u stay inside..faham?bayangkan like this,u buy a big house, isi with lots of stuff, using loan banks, then someday ur house terbakar!! habis semua barang and ur investment dalamnya,kena bayar loan lagi,so? hutang keliling pinggang bah...

Two days ago,sia start balik beli magazine Men's Health, April 2009 issue..was blessed coz see this article from Peter Lim..what he said really make sense..BTW,sia pun ada put link blog dia di sebelah atas kanan..p tinguk and learn sometg yah..anyway,sia pun akan write apa yang dia cakap dari article dia:

1. Never buy house that is more than 2.5 times from ur household total income !! Contohnya,if gaji setahun suami RM 50000,and isteri RM40000, jgn bli rumah yang lebih dari RM225000..
-apa jadi if beli juga? u end-up with no saving but spent ur money just to pay the loan..

2. 20% from your net-income is the target amount to save monthly !!
- memang susah if kita bercakap tg menyimpan,ada ja yng mau dibeli,but make it as habit..u can start from 10% dulu,kemudian suit urself naik ke 20%..believe me,this is like exercising ur mind of long term investment..ingat,jgn menyimpan with what's left after spending but berbelanjala apa yg tgl after meyimpan!!

Ada lg yang dia cakap,but ini yang sia rasa most important aat the moment for us..Then, sia juga mau shared my knowledge yang sia dapat selama ini..macam sia cakap tadi,investment!! whatthe hell is that? well,banyak bah now investment or real estate or unit trust from banks..Sia plan mau join Public Mutual unit trust from Public Bank,so far among the best malaysia..but duno whether it is volatile..but that is a risk to take! but dun worry,u still can take unit trust from Maybank,coz it is secured by goverment's bon..so whatever happen inthe market, it's always profit come to you..

kamu fahamka? macam ini,bayangkan dimana profit kamu dapat from menyimpan after 10-20 years? so,if kamu meyimpan,kamu pun mau extra duit,itula part of unit trust!! they use ur simpanan to invest,and after certain time (kamu pilih 5,10 or 15thn),bulan2 bayar, dapatla hasil dia..kira macam Amanah Saham Bumiputra!!

Why i bring this matter? coz sia mau highlight pada JM,Jags..where do you put your money from oversea? spending spree? For the God's sake, have an investment esp unit trust,coz u wont be there till u retired,kan? both of ur currency, Euro and Pounds have a strong value if change to RM,jadi i rely dun want u all waste that value..sia banyak jumpa pesakit yang muda2 kerja di Oversea,gaji tinggi but dun have plan for future..once plg sini sudah,berusia,sakit and cant do operation coz cant afford the fee...As what i said,we learn from somebody's experienced,kan?

Jags,that is very good when u have sometg to tell/advice regarding ur engineering field..glad i have so many friends in engine/IT/teaching field..hopefully, a friend of mine from accountancy will give us advice here too..Anybody??

Now press repeat

Omg QUEEN! nice ain't it? Bohemian is a weird great song,it just randomly changes melody, but still sounds so awesome.

Today, at work, I cannot but be baffled about this one little thing.

Tada! Dun dun dun...

On the left, we have a normal 15inch laptop.
On the right, we have a 10inch netbook (that is mine by the way ;p)
And in the middle, some say it's one of the first laptop ever made by mankind...

A freakin' 20inch laptop! Woohoo.
http://www.rockdirect.com/viewNotebook.php?pName=XTREME%20SL%20PRO

This can hardly be called a laptop, you need to have a quite wide lap, its a wide-laptop!
It's really big, even the carry case is like a large camping bag. The box is bigger than me!
Duuuude, I will never buy one of these. Ever.

Should I Write a Title?

Hi everyone,
Happy again to read Mr. Prim Updates, Until i forgot to ask what so important on 19th March.
My guess is you're engaged?? Congratz. Hehehe, Correct me if i'm wrong.

Right now, 6:44pm GMT+1 20th March, i must admit i'm too close to lose my sense of control towards my anger. My rages are now exploding inside.. I'm thinking of killing someone maybe?
By God, i don't even have the heart to kill a cat on board this barge... despite of the so called military cadets training while i was in school.. (Kunun Ganas Habis) Hahaha..
I'm thinking also to write some insults in this blog just to pour my rage out... But my sense of respect to your guys deny it all.

This is the toughest short project i've endured in my whole life. Here, this 2 weeks trip, i think i've learned loads of experiences equivalent to 2 years of experiences.
Its too complicated to write it all here... Just enough for you guys to know that i had a big problems regarding my jobs and responsibilities.. Which i've failed to solve accordingly.
Either way it was settled... And i got smacked and critics from all over the edges.
It's over and I manage to stand on my feet now...

And NOW, I'm on navigation to Palermo, Italy... Still cruising on 6 to 8 knot speed. Some people said it will takes about 5-6 days depending on the weather. Right now, weather is promising, happy to have a steady ride. Leaving Alicante, Spain at about 7pm GMT+1 Yesterday...
Fuhh... Spent 3 days shopping in Alicante makes me broke! Hahaha..
Its quite expensive here maybe because its a touristic place. Spent 160 Euros on 4 persons dinner on chinese food was quite a bloodsucker, isnt't it? Usually in Almeria, Spain before i spent maximum at 40 Euros at about the same types of food.
Bought also several Guess handbags for my moms and aunts, for about 600 Euros.
I'm not quite a shopping guy, but i don't know what happen in Alicante.. Maybe like a hormone things happening to me? Hahaha.. Dr. Prim?? Anyway its like just relieving my stress a bit.
Stress are making me older than my real age, isn't it?

Err.. i think i'm okay now...
Manage to reduce half of my anger i think.. Thank God! Hahaha.. Love Kadubasville so much!!!
Thanks for reading!!
All the best to All...


P:S Anyone in need of engineering jobs, feel free to contact me. Sometimes i have lots of offer and i don't have anyone to recommend it to.

Been So Long...

Hi Everyone,

been so long didnt write anytg here!! Well,so many stuffs happen, and most importantly today ( March 19th ) is the big important day for me..Thanks God, everytg goes well...

Well, Iphone 3G already enter Malaysian market via Maxis, so have that oppurtunity to get it if u are 'infoTech' dude..well,im using iphone 2G ( first generation ) and it really worth to have it, coz the function and applications are all cool..unless u don have credit card coz need to get the applications from itunes..

Then, our Prime Minister is going to step down despite our global economic crisis, and problems in UMNO as well ( really hope someday i can study political course ), and people hatred and dislike about Deputy PM to become PM is growing up..hell yah,for me i want PM who is clear from any scandals or corruptions..but,this is how the political world works!

So far,i also recently watched movie "Taken" by Liam Neelson ( acted as bad fellow/teacher in Batman Begins )..i enjoyed that movie,full of father's love and how far u will go for ur children sake..really love it,and u can grab it at RapidRaja,the link that got in our blog here..

Now, i also into the QUEEN's music..hope u all recognized them, a rock band music from British, popular during 70's till now..kinda seangkatan with Deep Purple and Scorpions all that..i really enjoy their songs like 'Bohemian Raphsody", "I was born to love you", "Love of my life"...its so beautiful/full of meaning songs..i really cant imagined how people during 80's can made that great song!!!

Until then, really glad that our hits going to reach 1K, even though we cant beat like mahathir where he reached 1 million hits within 1 week..but thanks for everybody who read here, esp to Jags, Joy and Yaya..

Jagung is now Temperamento Española

Hi or Hola Everyone..

Its already over 1 week i'm Offshore..
And I didn't do ANYTHING at all.. No work or whatsoever.. Absolutely free time.
The worst part is, i have to standby in my office.. The superitendent said i must! Just in case Somebody need my service.
All i do is freakin' chatting and pusing2 sana sini..
Easy Money it is... But if you in my place, you sure think like i am now.
I call my parents every single day while i'm offshore... Maybe for at least 30 Mins.
But what should i do for another 11hrs and 30 mins of my working hours?
Actually... we are waiting for the divers to finish their job.. installing buoys to the underwater pipeline.. But surely they're freakin' laziest Bastard.. They're charging my company per hour rates.. so, of course, too much excuse for them, i mean delaying their work so they can charge more.

Tomorrow predicted bad weather here in the gulf around Mallorca. Maybe the wind will blow at about 30-40 knot.
And also this rough sea predicted for at least until next Sunday...
Adding 1 more week of my "vacation". Despite it will be very difficult to sleep...
as this barge will be rocking like a "cradle".
SeaSick is now out of story.. i guess i'm used to it.
Afraid? Hmm.. I guess rough sea really makes a man a "man", So to speak.

Another thing bothers me a lot on this barge is.. the FOOD.
Apart from several barge i've been in my life.. here i found the worst food.
I don't know what to say.. Usually i fish and cook for myself..
But the current Superitendent didn't allow this... So this Barge is NO FISHING and NO COOKING.. yeah.. i'm angry with him.. But of course i can't do nothing about it.
I'm expecting 3-5 Kg's of my weight will be reduced when i go home later.
huh.. i already miss kampong food. (tapun-tapun) :)
I guess its just like RPK said:
"We can take a man out of a Kampong, But we can't take a Kampong out of a man".
Hahaha... :))

I guess i wrote too much already...
My Best Wishes to All my X-YS Friends.
Until Next time.. Bye.

Warmest regards,


Jagung
Somewhere around La Palma de Mallorca


P/S:
Thanks Dr. Prim for your tips about my wisdom tooth. Although i can't understand any of it hahaha... It's nice to have a doctor as a friend by the way. Salute you my friend.