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Super Wealth Plan

Super Wealth PlanSecure Your Dreams Today!
Description
Life is always changing and full of surprises. Unexpected events unfold when you least expect them and you really want to be prepared when they do.Super Wealth Plan provides both life insurance protection and savings in one neat package – striking the perfect balance of protection and savings that you deserve. This plan rewards you with guaranteed cash payments starting from the 6th policy year and every 3 policy years thereafter, until you reach age 80 where you’ll then be rewarded with maturity benefit. It also provides you with life insurance coverage till maturity. With Super Wealth Plan you have taken the first step towards securing your dreams.So, go ahead!!! Live your day to the fullest as Super Wealth Plan provides you with benefits in so many wonderful ways!
Benefits
Guaranteed Cash PaymentsSuper Wealth Plan rewards you with guaranteed cash payments of 10% of the sum assured starting from the end of the 6th policy year and every 3 policy years thereafter. Besides, you can opt to leave the guaranteed cash payments to accumulate and let the cash grow further!
End of Policy Year
Guaranteed Cash Payments (% of Basic Sum Assured)
6th
10%
Every 3 policy years thereafter (till age 80)
10%
At age 80 (Maturity Benefit)
100%
Guaranteed Maturity BenefitIf you maintain the policy until maturity at age 80, you’ll be rewarded with maturity benefit in the form of 100% of the sum assured in one lump sum payment.Guaranteed Lifetime CoverageIt provides you with basic life insurance protection until policy maturity at age 80.Guaranteed PremiumWith Super Wealth Plan, basic premiums are payable and guaranteed to remain unchanged throughout the policy years up to age 80. You have the flexibility to pay the premiums monthly, quarterly, semi-annually or annually.Protects the Financial Security of Your FamilyIn the unfortunate event of loss of life, it protects your family’s financial future by paying your dependent a guaranteed death benefit. The proceeds can ease your family’s financial burden, giving you peace of mind.Protection against Total and Permanent Disability (TPD)In the event of TPD before age 60, it pays you the sum assured. You can use the proceeds to take care of medical costs or settle outstanding financial commitments.Who is Eligible?You can be insured with Super Wealth Plan if you are between 0 (30 days) and 65 years old.Looking to Enhance Your Coverage?Because we understand your need for flexibility, we have given you the option to tailor the plan to suit your particular lifestyle by making a whole range of riders available – just for you!

MAA - Super Fortune Plan

Super Fortune Plan
Description
MAA’s Super Fortune Plan guarantees you:
•
Annual Cash Payment
•
Lump Sum Cash at Maturity
•
Flexible premium payment term
•
Death & Total Permanent Disability Coverage
Great Savings plus+ Protection Life is beautiful, life is fun and life is full of excitement. Life needs to be enjoyed without worrying anything beyond your control. Have a peace of mind for your children’s education fund, overseas vacation, wealth accumulation & retirement planning. MAA’s Super Fortune Plan is here to assist you to achieve all these wonderful things in life. Create your fortune now!
What is Super Fortune Plan? MAA’s Super Fortune Plan is a 6, 10, 15, 20 limited pay endowment plan which matures at age 50 to 80 depending on entry ages. It provides Guaranteed Annual Cash Payment (GACP) starting from the end of the 10th policy year. Upon maturity, 120% of the original sum assured will be payable.
Who is this plan for? This plan is available for individuals aged 10 – 55 years old who:
•
Need a plan which combines savings and protection.
•
Need the flexibility in choosing the premium payment term.
•
Need guaranteed Annual Cash Payments, Lump Sum Cash at Maturity and great protection coverage.
Benefits
Guaranteed Annual Cash Payment (GACP)Super Fortune Plan provides you with a GACP of 4% of the basic sum assured from end of the 10th policy year onwards. For entry age 21 – 55 , the GACP is 6% from end of 20 years onwards.
Entry Age
Maturity Age
End of Policy Year
GACP (% of basic sum assured)
10 – 20
50
10th year onwards
4%
21 – 30
60
10th – 19th20th onwards
4%6%
31 – 40
70
41 - 55
80
You have the option to take the cash or leave it with the company to be accumulated with interest*.Currently at 4.5% and subject to review from time to time.
Guaranteed Lump Sum Cash at Maturity Get 120% of the basic sum assured when your Super Fortune Plan matures.
Flexible premium payment term You choose the payment term that you are most comfortable with. Super Fortune Plan offers 6, 10, 15 & 20 years payment term to suit your financial capability.
Death & Total Permanent Disability (TPD) coverage In the event of TPD before age 60 or Death at any time during the policy duration, you or your loved ones will receive 100% of the sum assured.
Additional protection benefits Enhance your basic cover by attaching additional benefits (riders). We have a whole range of riders for you to choose from.
Guaranteed Premium With Super Fortune Plan, basic premiums are payable and guaranteed to remain unchanged throughout the policy years. You have the flexibility to pay the premiums monthly, quarterly, semi annually or annually.
1
Death from suicide within one (1) year from issue date or date of reinstatement, whichever is later, whether the insured is sane or insane, shall limit the Company’s liability to the return of premiums paid without interest, less any indebtedness and the policy shall be terminated.
2
This plan excludes any disability caused directly or indirectly, wholly or partly, by any of the following occurrences:
i.
Self-destruction or any attempt thereat while sane or insane.
ii.
Military or naval service in time of declared or undeclared war or while under orders for warlike operations or restoration of public order.
iii.
Entering, operating or servicing, riding in or on, ascending or descending from or with any aerial device or conveyance except while the insured is in an aircraft operated by a commercial passenger airline on a regular scheduled passenger trip over its established passenger route.
More about MAA Super Fortune Plan
1. What is the minimum and maximum sum assured for this plan? The minimum sum assured is RM25,000; maximum sum assured is subject to underwriting approval.
2. Can a policyholder change from one plan to another plan, e.g. 6 years to 20 years during the policy term? No.

Public Mutual’s new fund to focus on investing in 30 selected stocks

Public Bank’s wholly-owned subsidiary, Public Mutual is launching a new fund, Public Select Alpha-30 Fund (PSA30) on 7 April 2009. The fund invests up to 30 high quality stocks listed primarily on Bursa Securities that have the potential for exponential growth when the investment climate turns favourable.
Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow said PSA30 will take advantage of current weak market conditions which have dampened the share prices of many quality stocks. “With stocks across the board trading at attractive market valuations, there are ample opportunities to pick and choose high quality stocks. Investors just need to buy and hold for the medium- to long-term to realise the full potential of the fund,” he said.
“To achieve increased diversification, the fund may invest in selected foreign markets if the returns are assessed to be promising,” he said. The selected foreign markets include Singapore, Taiwan, South Korea, Japan, Australia, New Zealand, Hong Kong, China, Thailand, Indonesia, Philippines and other markets. The equity exposure of PSA30 will generally range from 75% to 95% of its net asset value (NAV).
Tan Sri Teh also explained that as PSA30 concentrates on investing in a maximum of 30 stocks listed primarily on Bursa Securities, the fund is suitable for aggressive investors who can withstand extended periods of market volatility in pursuit of attractive long-term capital growth.
The initial issue price of PSA30 is at RM0.2500 per unit during the 21-day initial offer period from 7 April 2009 to 27 April 2009. During the offer period, a special promotional service charge of 5% of initial issue price per unit is extended to the purchase of units of PSA30 by investors. Investors who opt for Direct Debit Instruction with PSA30 during the offer period will enjoy a special promotional service charge of 5.25% of NAV per unit for as long as the Direct Debit is active. Terms and conditions apply. The minimum initial investment for the fund is RM1,000 and the minimum additional investment is RM100.
PSA30 is distributed by Public Mutual’s unit trust consultants. Interested investors can contact any Public Mutual unit trust consultant or call its Customer Service Hotline at 03-6207 5000 for more details of the fund.
Public Mutual is Malaysia’s largest private unit trust company with 68 funds under management. It has over 2,000,000 accountholders serviced by over 40,000 unit trust consultants. As at 28 February 2009, the total net asset value of the funds managed by the company was RM23.5 billion.

Public Mutual swept 7 awards, including Best Overall Group Award

Public Mutual swept 7 awards, including Best Overall Group Award


Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow (right) receiving the prestigious Best Overall Group award from YAB Dato' Sri Mohd Najib bin Hj Tun Abdul Razak, Deputy Prime Minister and Minister of Finance 1 (left).
Public Bank’s wholly-owned subsidiary, Public Mutual emerged for the sixth consecutive year as the biggest winner at The Edge-Lipper Malaysia Fund Awards 2009 by winning 7 of the 24 awards, including the prestigious “Best Overall Group” award.
Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow expressed pride that once again Public Mutual emerged as the biggest winner at The Edge-Lipper Malaysia Fund Awards 2009. “These awards reflect Public Mutual's commitment to do its utmost to give value to our investors,” he said. He dedicated these awards to Public Mutual’s board of directors, management, staff, agency force and the investors for their unwavering support and trust over the years.
Tan Sri Teh and the management team were on stage to receive the awards from YAB Dato' Sri Mohd Najib bin Hj Tun Abdul Razak, Deputy Prime Minister and Minister of Finance 1 during the award presentation ceremony held at the Mandarin Oriental, Kuala Lumpur.
No
Fund / Company
Category
1
PB Growth Fund
Equity Malaysia
5 years
2
Public SmallCap Fund
Equity Malaysia Small and Mid Caps
5 years
3
PB Balanced Fund
Mixed Asset MYR Balanced
5 years
4
Public Islamic Bond Fund
Bond Malaysian Ringgit - Islamic
5 years
5
Public Bond Fund
Bond Malaysian Ringgit
10 years
6
PB Balanced Fund
Mixed Asset MYR Balanced
10 years
7
Public Mutual Berhad
Best Overall Group Award

Public Mutual is Malaysia’s largest private unit trust company with 67 funds under management. It has over 2,000,000 accountholders serviced by over 40,000 unit trust consultants. As at 31 December 2008, the total net asset value of the funds managed by the company was RM23.3 billion.

Bangun Pagi(Wake-up in The Morning)

Consultant A:
Bangun pagi, fikir pasal politik, fikir pasal negara, pikir pasal Menteri Besar, pikir pasal gosip dan bermacam-macam lagi. So, resultnya untuk hari itu ialah PENING = NO SALES = NO MONEY = TAK BOLEH JADI KAYA LE.

Consultant B:
Bangun pagi, ASK.. tengah hari ASK .. petang ASK .. lewat petang ASK .. malam ASK .. lewat malam ASK lagi (yang ni, jawab sendiri) = HAPPY = SALES = MONEY = CEPAT KAYA

Jadi, go & ASK:

1. To become valued customers.
2. To become our downline.

Wassalam

What is SUKUK ?

Sukuk (Arabic: صكوك‎, plural of صك Sakk, "legal instrument, deed, check") is the Arabic name for a financial certificate but can be seen as an Islamic equivalent of bond. However, fixed income, interest bearing bonds are not permissible in Islam, hence Sukuk are securities that comply with the Islamic law and its investment principles, which prohibits the charging, or paying of interest. Financial assets that comply with the Islamic law can be classified in accordance with their tradability and non-tradability in the secondary markets.
Conservative estimates by the Ten-Year Framework and Strategies suggest that over $700 billion of assets are managed according to Islamic investment principles.[1] Such principles form part of Shari'ah, which is often understood to be ‘Islamic Law’, but it is actually broader than this in that it also encompasses the general body of spiritual and moral obligations and duties in Islam.
Sharia-compliant assets worldwide are worth an estimated $500 billion and have grown at more than 10 per cent per year over the past decade, placing Islamic finance in a global asset class all of its own. In the Gulf and Asia, Standard & Poor's estimates that 20 per cent of banking customers would now spontaneously choose an Islamic financial product over a conventional one with a similar risk-return profile.
With its Arabic terminology and unusual prohibitions, Sukuk financing can be quite mystifying for the outsider. A good analogy is one of ethical or green investing. Here the universe of investable securities is limited by certain criteria based on moral and ethical considerations. Islamic Finance is also a subset of the global market and there is nothing that prevents the conventional investor from participating in the Islamic market.

Be A Unit Trust Consultant (Public Mutual - No.1)

Why would I want to be a Unit Trust Consultant?
Because YOU deserve to have a well-paid and fulfilling career in an industry that is enjoying explosive growth in Malaysia.

The Malaysian unit trust industry is vastly untapped
The local unit trust industry is a multi-billion Ringgit industry because of its vastly untapped potential. In a period of just 15 years since 1992, the amount managed by private unit trust companies grew from a mere RM400 million to RM71.005 billion! (source: Lipper, 28 January 2008)

The Malaysian Private Unit Trust Industry's Growth Rate from 1992-2007

Great Opportunities to earn unlimited income
According to the Securities Commission, in December 2007, the Malaysian unit trusts boasted 15.32% equity penetration rate*. In comparison to the same period, United Kingdom's equity penetration rate was 41.62%. (source: London Stock Exchange and Investment management Association, UK)

Malaysia unit trust equity penetration rate

In December 1992, the Malaysian unit trusts equity penetration rate was merely 6.40%. This means that Malaysia's rate is low in comparison with more developed countries like the UK and Malaysia's ratio is rising rapidly.
For you, all these translate into plenty of opportunities to earn potentially unlimited income as a un it trust consultant.

Why would I want to join Public Mutual?

Because Public Mutual is the biggest and the best!


No.1** unit trust company in Malaysia

There are 28 private unit trust companies in Malaysia and Public Mutual has the largest market share of 40 percent as at end-December 2007.

Market Share of Private Unit Trust Industry as at 31 December 2007

So, what's in it for me?
Unit trust consultants of Public Mutual enjoy great benefits. Amongst them are:
Highly competitive incentive structure and benefits programme in the industry.
The potential to earn unlimited income.
Flexible working hours.
Overseas trips, awards and public recognition.
A wide range of financial planning and professional sales tools.
Sales incentives and campaigns to support your sales effort.
Subsidised Certified Financial Planner (CFP®) certification course and diverse training programmes.
Numerous recruitment incentives and subsidies for agency building.
And much, much more...
Public Mutual's Sales and Financial Planning tools are among the best in the industry

Now What?
If you would like to learn more, immediately contact our branches and speak to the manager.

Take hold of this opportunity NOW if you seriously crave to enhance your personal and professional life.

* The equity penetration rate can be defined as the combined value of all assets managed by a country's unit trust industry DIVIDED by its total equity market capitalization** Amongst private unit trust companies in terms of total fund size managed. Source:The Edge-Lipper, 21 January 2008.

Bursa Malaysia ditutup lebih tinggi - Utusan Malaysia 06th February 2009

KUALA LUMPUR 6 Feb - Harga saham di Bursa Malaysia memperlihatkan peningkatan pada penutupan dagangan hari ini, sejajar dengan aliran meningkat dalam pasaran-pasaran serantau didorong oleh kenaikan di Wall Street semalaman, kata peniaga.
Penanda aras Indeks Komposit Kuala Lumpur (KLCI) ditutup 16.69 mata lebih tinggi pada 896.64 berikutan kenaikan di kaunter-kaunter berkaitan perladangan dan perbankan. Ia dibuka 5.17 mata lebih tinggi pada 885.12.
Saham Hong Kong naik tiga peratus, Indeks Harga Saham Komposit Korea meningkat 2.75 peratus kepada 1,210.26 mata, iaitu paras penutupan tertinggi sejak 7 Januari, manakala Nikkei Jepun mengukuh 1.6 peratus.
Dalam pasaran tempatan, pengumuman “bajet mini” oleh Timbalan Perdana Menteri Datuk Seri Najib Tun Razak juga meningkatkan sentimen pasaran.
Indeks Perusahaan naik 42.69 mata kepada 2,107.10, Indeks Kewangan meningkat 141.57 mata kepada 7,124.64 dan Indeks Perladangan menambah 150.93 mata kepada 4,549.51.
FBMEmas 111.75 mata lebih tinggi pada 5,871.13, FBM30 naik 119.77 mata kepada 5,794.02, FBMMesdaq turun 20.13 mata kepada 3,375.45 dan FBM2BRD meningkat 18.29 mata kepada 3,925.11.
Saham untung mengatasi saham rugi dengan jumlah 322 berbanding 156, manakala 195 kaunter tidak berubah, 584 tidak diniagakan dan 33 yang lain digantung urus niaga.
Jumlah dagangan bertambah kepada 397.698 juta saham bernilai RM664.159 juta daripada 315.914 juta saham bernilai RM466.514 juta semalam. Bagi saham berwajaran tinggi, Sime Darby meningkat 20 sen kepada RM5.60, Maybank naik lima sen kepada RM5.45 dan Tenaga kekal pada RM5.75. Jumlah dagangan di Papan Utama bertambah kepada 332.425 juta saham bernilai RM648.070 juta daripada 238.491 juta saham bernilai RM455.383 juta semalam.
Di Papan Kedua jumlah dagangan meningkat kepada 30.006 juta saham bernilai RM8.118 juta daripada 16.664 juta saham bernilai RM4.146 juta.
Pasaran Mesdaq mencatatkan pertambahan jumlah dagangan kepada 20.599 juta saham bernilai RM6.255 juta daripada 15.332 juta saham bernilai RM4.404 juta.
Waran, bagaimanapun, susut jumlahnya kepada 13.250 juta saham bernilai RM1.186 juta daripada 44.718 juta saham bernilai RM2.241 juta sebelumnya.
Berdasarkan sektor, barangan pengguna menguasai 5.297 juta saham yang diniagakan di Papan Utama, barangan perusahaan 50.740 juta, pembinaan 34.867 juta, perdagangan/perkhidmatan 114.639 juta, teknologi 4.658 juta, prasarana 12.943 juta, kewangan 29.658 juta, hotel 3.406 juta, harta 50.941 juta, perladangan 23.696 juta, perlombongan tiada, REIT 1.535 juta dan dana tertutup 44,900. - Bernama

ML207 - Sediakan Payung Sebelum Hujan Yang Lebat

All you want to know about the..... MedicaLife 207
Don't let the rising medical costs bring you down
Your life is always precious, especially to your loved ones. It's a sad reality but life can be changed forever through a freak accident, a sudden heart attack or a dread disease. Its effects can be devastating, especially on your family! So, don't let yourself be caught unprepared for these sudden mishaps.
Protect yourself against the rising cost of medical treatment with MedicaLife 207.
MedicaLife 207 prepares you for these costly expenses and ensures comprehensive coverage in medical, surgical and hospital costs, ambulance fees and other related medical charges.
MedicaLife 207 also provides protection against accident and death. All policyholders of MedicaLife 207 will be enrolled as members of a MCO (Manage Care Organisation).
One of the MCO roles is to facilitate your convenient admission to and discharge from participating hospitals. MedicaLife 207 offers you a way to be free of the usual hassle in claims procedures through the issuance of a Medical Card. Use this Medical Card for immediate hospital admission and on discharge, you only need to settle the amount for co-insurance (if applicable only) and excess charges, if any.

Public Mutual declares distributions for 3 funds

Public Mutual declares distributions for 3 funds


Public Bank’s wholly-owned subsidiary, Public Mutual declares distributions for three of its funds. The total gross distributions declared are for financial year ended 31 December 2008:
Fund
Gross Distribution / Unit
Public Savings Fund
7.50 sen
Public Focus Select Fund
1.25 sen
Public Islamic Enhanced Bond Fund
1.75 sen
Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow said Public Savings Fund which was launched in 1981, is our maiden fund. “Public Savings Fund aims to achieve long-term capital appreciation while at the same time producing a reasonable level of income,” he added.

Meanwhile, Public Focus Select Fund which was launched in 2004, aims to achieve capital growth through investments in medium-sized companies in term of market capitalisation from diversified economic sectors.

As for Public Islamic Enhanced Bond Fund, it was launched in 2006 with the aim of providing a combination of annual income and modest capital growth primarily through a portfolio allocation across Islamic debt securities and equities that comply with Shariah requirements.

Public Mutual is Malaysia’s largest private unit trust company with 67 funds under management. It has over 2,000,000 accountholders serviced by over 40,000 unit trust consultants. As at 28 November 2008, the total net asset value of the funds managed by the company was RM21.9 billion.



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