Defensive Approach in Unit Trust Investment, Switching & Asset Allocation Pilihan

[PerWaris]

Salam

Saya adalah PerwaRis di Carigold dan Putera.com dan amirul_nazri di forum cari. Tujuan saya open 1 new thread adalah kerana my approach dlm handling investment pelabur mungkin ada sedkit beza dpd apa yg korang biasa dengar dan baca dpd UTC lain

Unit Trust is bukan semata2 ekuity fund

Unit Trust juga ada fixed income fund (bond dan money market) yg offer capital preservation dan bg steadier income espescially during volatile environment. My point is, for those yg plan to buy investment in moderate-huge amount espescially by $$, pelabur should consider certain portion to park into fixed income fund, espescially bond.

Fixed income funds are usually invested in bonds and interest-bearing instruments and are generally steadier and offer capital preservation. The expected return for a bond fund should be two to three percentage points above the fixed deposit rate. The risks are significantly lower with bond funds when compared
with equity funds and you should consider them as an alternative to your fixed deposits.

Everyone should invest into bond fund kerana bond fund bg some liquidity in case pelabur need cash on urgent basis.

Unit Trust bukan hanya semata-mata dollar cost averaging (monthly topup)

Practise dollar cost averaging, which allows pelabur to average down by buying more units when prices are low and less when they are high. If pelabur had invested during the market high in 1997 and practised dollar cost averaging, mereka would probably be in the black by now. However, DCA it is not the only way to maximize return dan minimumkan loss...

Unit Trust have switching, as a tool to maximize return dan reduce loss also. Sebelum itu, pelabur kena faham ttg one [1] very2 common trend iaitu apabila ekuity fund turun, maka bond akan naik..ekuity fund naik, bond akan turun.

The strategy is, do switching as on when necessary based on index market movement. In general, when pelaburan ada generate untung, switch all your capital + unrealized profit from ekuity to bond fund (to lock profit), when market drop, re-switch balik to ekuity fund, di mana ur initial investment then would be capital + profit.

Kerja switching nie sebnrnya agent yg kena buat but it your responsibility to remind them as well. Please alert them, get the update on regular basis.The cost involved pula would be minimum as RM 25 (switching fee) and service charge. But fyi, service charge is nothing to loose as the return generated from bond helps to compensate the switching fee. For mutual gold (investment > 100K)...switching is free.


Saya stongly suggest kepada bakal pelabur agar buat asset allocation juga spt di bawah (sumber dpd Public Mutual dan Fundsupermart)

Conservative
Bond 50%
Equity 50%
Rate of Return: 5.6%

Moderate
Bond 45%
Equit 55%
Rate of Return: 6.6%

Agressive
Bond 30%
Equity 70%
Rate of Return: 7.4%

Assuming annualized return of Bond = 6% & Equity = 9%...Annualized return is Effective rate of return, minus tax dan inflation.

saya mengalukan2 feedback ttg post saya nie. Boleh kita berbincang sbb maybe agent lain tak sependapat ngan saya..ttg sesapa nak tahu dgn jelas ttg camna saya gunapakai switching utk dapatkan keuntungan semaksima yg boleh dan reduce loss seminimum yg mungkin,bole email saya di nazri.amirul@gmail.com.insyaallah saya akan show sample akaun clients saya

APa yg saya quote di atas is based on my 3 1/2 years experience jd agent. Difference consultant, different style, difference return..

[PerWaris]

Nie aku copy & paste bulat2 dpd 1 artikel yg di post di Bicara jutawan.com.. Backdated 2007 but still useful as peringatan..


Miskin selepas pencen -- Dengan purata caruman RM114,000 pesara belanja RM475 sebulan

KUALA LUMPUR 18 Okt. – Kumpulan Wang Simpanan Pekerja (KWSP) mempunyai caruman terkumpul berjumlah RM224 bilion sehingga Disember 2006 namun secara purata simpanan seorang pencarumnya yang mencapai usia 55 tahun cuma RM114,000.

Dengan simpanan sebanyak itu, seseorang pencarum KWSP yang bersara hanya mampu membelanjakan RM475 setiap bulan bagi membolehkannya menampung hidup sehingga usia 75 tahun.

Perbelanjaan RM475 sebulan akan meletakkan pesara berkenaan dalam kategori golongan berpendapatan di bawah paras kemiskinan.

Pendapatan orang yang dikategorikan miskin di Semenanjung kini ditetapkan RM530 sebulan, Sarawak (RM585) dan Sabah (RM685).

Pengurus Kanan Perhubungan Awam KWSP, Nik Affendi Jaafar memberitahu, pada masa ini purata caruman terkumpul kira-kira 47,500 pencarum KWSP yang akan genap umur 55 tahun pada tahun ini ialah RM114,000.

“Jumlah simpanan ini tidak mencukupi berdasarkan anggaran mereka akan menggunakan wang itu selama 20 tahun berikutan jangka hayat yang semakin panjang serta kos sara hidup yang terus meningkat,” katanya kepada Utusan Malaysia dalam satu temu bual di pejabatnya di sini.
KWSP mempunyai kira-kira 11 juta pencarum dengan 47,500 orang akan mencapai umur bersara pada tahun ini.

Menurut Nik Affendi, bagi memastikan pencarum KWSP dapat bersara dengan selesa, setiap ahli dana pencen itu perlu mengubah sikap mereka yang berharap sepenuhnya kepada caruman KWSP untuk menampung hidup selepas bersara.

“Caruman KWSP setiap bulan hanya melibatkan 11 peratus daripada gaji mereka, jadi masih terdapat 89 peratus pendapatan pencarum yang boleh digunakan untuk membuat pelaburan yang akan menghasilkan pulangan tetap pada usia tua,” ujarnya.

Nik Affendi menasihatkan para pencarum supaya berhemah ketika membuat pengeluaran awal sebelum persaraan membabitkan pelbagai skim yang telah disediakan oleh KWSP termasuk pengeluaran rumah, pendidikan dan kesihatan.

“Jika mereka mempunyai sumber lain, simpanan KWSP harus dijadikan sebagai pilihan terakhir,” tegasnya.

Ditanya mengenai langkah-langkah yang telah diambil bagi memastikan simpanan persaraan setiap ahli bertambah, katanya, struktur akaun ahli KWSP telah disusun semula daripada tiga akaun kepada dua mulai 2 Januari lalu.

Sebelum ini, sebanyak 60 peratus daripada caruman bulanan ahli dikreditkan ke dalam Akaun I manakala 30 peratus ke dalam Akaun II dan 10 peratus ke dalam Akaun III.

Penstrukturan itu menyebabkan Akaun I – yang khusus untuk tujuan persaraan dan hanya boleh dikeluarkan setelah pencarum mencapai usia 55 tahun – ditingkatkan sebanyak 10 peratus kepada 70 peratus.

Selaras dengan perubahan itu, ujar Nik Affendi, pengeluaran kesihatan yang sebelum ini hanya boleh dibuat daripada Akaun III kini boleh dikeluarkan daripada Akaun II.

Wang dalam Akaun II yang melibatkan 30 peratus caruman ahli juga boleh dikeluarkan untuk pembiayaan perumahan, kesihatan, pendidikan dan apabila cukup umur 50 tahun.


Majority neglect retirement plans

Friday March 14, 2008.
The Star Online

KUALA LUMPUR: More than half of Malaysian workers have not prepared for retirement while those who have, only started planning after age 40, according to a survey.

The average age working Malaysians began preparing for retirement was 41, while retirees said they did so at 47.

“That’s way too late. It doesn’t give them enough time to build their retirement fund,” Axa Affin Life Insurance Bhd branding and communications head Cheah Leng Sooi said in announcing the findings of the AXA Retirement Scope 2008.

In the survey carried out by research house Synovate, 313 working people aged 25 and above and 319 retirees aged below 75 in urban areas were interviewed over the telephone.

The survey, part of a global study conducted in 26 countries and involving 18,000 respondents, was undertaken for the first time in Malaysia, from July 23 to Aug 27 last year.

Among those who had planned for retirement, most began after they married, had children, or fell into financial difficulties or had health problems, Cheah said.

Their sources of retirement income included life insurance, Employees Provident Fund and personal savings.

The retired saved an average of RM478 a month, and the working RM704, figures that were considered low compared with other countries.

“Malaysian retirees feel that their retirement income is insufficient to cover household expenses. Their average income is RM1,243 but the amount they need is RM1,568 – a deficit of RM325,” she said.

In comparison, Singapore’s average retirement income is RM3,690, and the amount needed RM3,465; while Thailand’s average income is RM1,276, and the amount needed RM903, according to the survey.

The disparity between high and low income earners in Malaysia is wide, the high-income retirees having four times more than those with low income, the survey found.

Despite insufficient income, three-quarters of the retirees said their quality of life had improved if not remaining the same, while 83% of the working group expect their quality of life to improve or remain the same.


Jika diamati artikel diatas memang menakutkan.Persoalannya sekarang adakah simpanan kita mencukupi setelah kita bersara nanti atau kita masih lagi perlu bekerja untuk menampung kehidupan selepas bersara???

Tahniah kepada yang telah bersedia dan kepada yang belum bertindak saya nasihatkan bertindaklah sekarang sebelum terlambat. Masa begitu cepat berlalu..

Ingin Maklumat lanjut atau ada sebarang pertanyaan tentang perancangan hari tua anda atau pelaburan bersama Public Mutual boleh PM saya.Boleh juga sama2 berkongsi pendapat di sini semoga menjadi panduan buat kita semua.