Alhamdulillah, perjalanan kami (saya dan isteri) ke Vietnam amat seronok. Kepada peniaga-peniaga baju, telekung, tudung, kain dan baju t-shirt yang berkualiti tinggi, anda boleh dapati di sana. Dan harga-nya ... emmm .. amat murah dan boleh diperniagakan di Malaysia.
Saya dan isteri saya fokus kepada telekung, kain dan tudung sahaja. Permintaan yang agak tinggi, akan
membuatkan kami terpanggil ke Vietnam semula nanti. Insya'Allah.
Untuk sesiapa yang berminat dengan bag galas tahan lasak, jenama DIETER & NORTH FACE terdapat di sana. Dan harga-nya ... fuhhh sungguh murah dengan kualiti yang ada.
Hotel BOSS yang kami duduki hanya berdepan dengan pasar besar mereka (Ben Thanh Market) dan makanan halal ala Malaysia pun boleh didapati di sana. Jangan terkejut jika peniaga-peniaga berkominikasi dengan kita di dalam Bahasa Malaysia. Macam pasar malam di sini rasa-nya suasana di Ben Thanh tu. Anggaran 40% adalah pelancong-pelancong Malaysia.
Jika ada niat nak pergi, jangan lengah-lengahkan lagi yaaaa.
Wassalam
Ahmad Shah & Salina (Cory)
Monday, April 1, 2013
Wednesday, February 20, 2013
Jom !!! Jadi Unit Trust Consultant di PUBLIC MUTUAL BERHAD
Salam Semua:
Tak berminatkah anda untuk menjadi "Unit Trust Consultant" di Public Mutual ?
Satu kerjaya yang amat mudah untuk menjana kehidupan yang lebih baik di masa hadapan.
Modal-nya amat minima tetapi mendatangkan hasil yang maksima di dalam jangkamasa panjang. Insya'Allah, anda pasti berjaya jika mengikuti program yang telah diaturkan oleh pihak Public Mutual. Cukup mudah.
Jangan bimbang jika anda:
* Tak tahu nak cakap apa bila jumpa bakal pelabur.
* Gabra bila nak propose plan.
* Nak mula percakapan yang macam mana.
* Sibuk dengan urusan harian anda.
* Tak cukup modalnak mulakan karier anda dengan Public Mutual.
* Kurang sambutan dari kawan-kawan, sahabat-sahabat dan adik-beradik terutama-nya.
* Proses mencari bakal pelabur.
* Dan lain-lain lagi.
Teknik-teknik akan diberi oleh pelatih-pelatih di Public Mutual dan "Agency Leader" anda.
Jika hendak berjaya, tiada ALASAN. Jom !!! bersama-sama saya meneruskan kerjaya sebagai "Unit Trust Consultant" di Public Mutual.
Nak harap gaji bulanan, tak cukup untuk melancong ke luar negara, menunaikan ibadah umrah/haji, nak beli rumah besar sikit, kereta besar sikit, kerosot sana & kerosot sini, dan sebagai-nya. Jika anda bermula dari sekarang, Insya'Allah, matlamat anda akan tercapai.
Hubungi saya jika berminat:
Ahmad Shah
Agency Supervisor
Public Mutual
Sungai Petani Branch
Hp: 012 477 1676
Tak berminatkah anda untuk menjadi "Unit Trust Consultant" di Public Mutual ?
Satu kerjaya yang amat mudah untuk menjana kehidupan yang lebih baik di masa hadapan.
Modal-nya amat minima tetapi mendatangkan hasil yang maksima di dalam jangkamasa panjang. Insya'Allah, anda pasti berjaya jika mengikuti program yang telah diaturkan oleh pihak Public Mutual. Cukup mudah.
Jangan bimbang jika anda:
* Tak tahu nak cakap apa bila jumpa bakal pelabur.
* Gabra bila nak propose plan.
* Nak mula percakapan yang macam mana.
* Sibuk dengan urusan harian anda.
* Tak cukup modalnak mulakan karier anda dengan Public Mutual.
* Kurang sambutan dari kawan-kawan, sahabat-sahabat dan adik-beradik terutama-nya.
* Proses mencari bakal pelabur.
* Dan lain-lain lagi.
Teknik-teknik akan diberi oleh pelatih-pelatih di Public Mutual dan "Agency Leader" anda.
Jika hendak berjaya, tiada ALASAN. Jom !!! bersama-sama saya meneruskan kerjaya sebagai "Unit Trust Consultant" di Public Mutual.
Nak harap gaji bulanan, tak cukup untuk melancong ke luar negara, menunaikan ibadah umrah/haji, nak beli rumah besar sikit, kereta besar sikit, kerosot sana & kerosot sini, dan sebagai-nya. Jika anda bermula dari sekarang, Insya'Allah, matlamat anda akan tercapai.
Hubungi saya jika berminat:
Ahmad Shah
Agency Supervisor
Public Mutual
Sungai Petani Branch
Hp: 012 477 1676
Monday, July 2, 2012
MENGENALI BULAN SYAABAN & MALAM NISFU SYAABAN
Bulan Syaaban muncul lagi. Syaaban menandakan umat Islam semakin menghampiri Ramadhan. Marilah kita sama-sama merenung sejenak apakah pengertian Syaaban dan Malam nisfu Syaaban. Masih ramai umat Islam di luar sana keliru dan musykil tentang amalan-amalan yang sepatutnya dikerjakan pada bulan Syaaban, dan terutamanya pada malam kelima belasnya. Sebelum itu, marilah kita sama-sama mendalami dan mengenali sedikit sebanyak info tentang bulan Syaaban ini.
PENGERTIAN SYAABAN
Bulan Syaaban merupakan bulan kedua selepas Rejab. Bulan Syaaban juga merupakan bulan yang penuh dengan keberkatan. Sebahagian ahli hikmah menyatakan bahawa sesungguhnya bulan Rejab adalah kesempatan untuk meminta ampun dari segala dosa, dan pada bulan Syaaban adalah kesempatan untuk memperbaiki diri dari segala macam cela dan pada bulan Ramadhan adalah masa untuk menerangkan hati dan jiwa.
Syaaban dimengertikan sebagai berpecah-pecah atau berpuak-puak. Dikatakan masyarakat Quraisy pada waktu itu berpecah kepada beberapa kumpulan untuk mencari sumber air di padang pasir. Dan apabila datangnya Rasulullah S.A.W, baginda mengekalkan nama itu sehinggalah sekarang. Rasulullah S.A.W telah menyebut tentang pelbagai kelebihan bulan Syaaban dalam hadis-hadisnya. Diantara hadis yang paling masyhur ialah; Rasulullah S.A.W bertanya kepada sahabat-sahabatnya;
“Tahukah kamu sekelian mengapa dinamakan dengan bulan Syaaban?” Para sahabat menjawab, “Allah dan RasulNya lebih mengetahui” Sabda Rasulullah S.A.W, “Kerana dalam bulan itu berkembanglah kebaikan yang banyak sekali.” (Dipetik dari kitab Raudatul Ulama)
MALAM NISFU SYAABAN
Nisfu dalam bahasa arab bererti setengah. Nisfu Syaaban bererti setengah bulan Syaaban. Malam Nisfu Syaaban adalah malam lima-belas Syaaban iaitu siangnya empat-belas haribulan Syaaban. Maka, Nisfu Syaaban adalah peristiwa hari ke-15 dalam bulan Syaaban tahun Hijrah. Umat Islam mempercayai yang pada malam Nisfu Syaaban, amalan akan dibawa naik oleh malaikat untuk ditukar dengan lembaran amalan yang baru setelah setahun berlalu.
Nabi Muhammad s.a.w. menggalakkan umatnya untuk bangun malam dan berjaga serta beriktikaf sepanjang malam kerana tidak mahu amalan diangkat dalam keadaan tidur atau lalai. Malam Nisfu Syaaban merupakan malam yang penuh berkat dan rahmat selepas malam Lailatul qadr. Saiyidatina Aisyah r.a. meriwayatkan bahawa Nabi S.A.W tidak tidur pada malam itu sebagaimana yg tersebut dalam sebuah hadis yg diriwayatkan oleh Imam Al-Baihaqi r.a: “Rasulullah S.A.W telah bangun pada malam (Nisfu Syaaban) dan bersembahyang dan sungguh lama sujudnya sehingga aku fikir beliau telah wafat. Apabila aku melihat demikian aku mencuit ibu jari kaki Baginda S.A.W dan bergerak. Kemudian aku kembali dan aku dengar Baginda S.A.W berkata dlm sujudnya, “Ya Allah aku pohonkan kemaafanMu daripada apa yg akan diturunkan dan aku pohonkan keredhaanMu daripada kemurkaanMu dan aku berlindung kpdMu daripadaMu. Aku tidak dapat menghitung pujian terhadapMu seperti kamu memuji diriMu sendiri.” Baginda Rasulullah sendiri telah menggalakkan kita agar beramal pada malam kemuliaan nisfu syaaban dengan sabdanya :
Ertinya : “ Apabila tiba malam Nisfu Syaaban , maka hendaklah kalian bangun pada malamnya (melakukan ibadat) dan berpuasa pada siangnya, ini kerana Allah swt (turun merahmati hamba-hambaNya) pada malam tersebut mulai dari terbenamnya matahari ke langit dunia. Allah swt berfirman ” Adakah dari kalangan hamba-hambaKu yang memohon keampunan, maka akan Ku ampunkannya. Adakah dari kalangan mereka yang memohon rezeki , maka akan Ku turunkan rezeki untuknya. Adakah dari kalangan mereka orang yang ditimpa bala, maka akan Ku sejahterakannya. Adakah dari kalangan mereka yang begini dan adakah dari kalangan mereka yangt begini sehinggalah terbit Fajar “.
Setelah Baginda S.A.W selesai sembahyang, Baginda berkata kpd Saiyidatina Aisyah r.a. “Malam ini adalah malam Nisfu Syaaban. Sesungguhnya Allah Azzawajjala telah datang kepada hambanya pada malam Nisfu syaaban dan memberi keampunan kepada mereka yg beristighfar, memberi rahmat ke atas mereka yg memberi rahmat dan melambatkan rahmat dan keampunan terhadap orang2 yg dengki.”
Hari nisfu Syaaban adalah hari dimana buku catatan amalan kita selama setahun diangkat ke langit dan diganti dengan buku catatan yang baru. Catatan pertama yang akan dicatatkan dibuku yang baru akan bermula sebaik sahaja masuk waktu maghrib, (15 Syaaban bermula pada 14 hb Syaaban sebaik sahaja masuk maghrib).
FADHILAT BULAN SYAABAN
Di antara amalan-amalan yang digalakkan pada bulan Syaaban adalah :
Memperbanyakkan puasa sunat
Sebagaimana yang telah dijelaskan terdahulu bahawa Rasulullah S.A.W lebih gemar untuk berpuasa sunat dalam bulan Syaaban berbanding dengan bulan-bulan yang lain. Justeru itu adalah patut bagi kita selaku umat Baginda mencontohinya dalam memperbanyakkan puasa sunat bagi menyemarak dan mengagungkan bulan Syaaban ini. Begitulah tingginya pekerti Nabi Muhammad nabi junjungan kita.
Di dalam kitab Durratun Nasihin ada menyebut sebuah hadis yang menyatakan bahawa Rasulullah S.A.W. bersabda yang maksudnya: "Barangsiapa berpuasa tiga hari pada permulaan Syaaban dan tiga hari pada pertengahan Syaaban dan tiga hari pada akhir Syaaban, maka Allah Taala mencatat untuknya pahala seperti pahala tujuh puluh nabi dan seperti orang-orang yang beribadat kepada Allah Taala selama tujuh puluh tahun dan apabila dia mati pada tahun itu maka dia seperti orang yang mati syahid."
Memperbanyak doa, zikir dan berselawat kepada Rasulullah S.A.W.
Kita sebagai umat Islam juga digalakkan untuk memperbanyak doa, zikir, dan berselawat kepada Rasulullah S.A.W. Sabda Rasulullah S.A.W.: "Barangsiapa yang mengagungkan bulan Syaaban, bertaqwa kepada Allah, taat kepada-Nya serta menahan diri dari perbuatan maksiat, maka Allah Taala mengampuni semua dosanya dan menyelamatkannya di dalam tahun itu dari segala macam bencana dan penyakit." (Dipetik dari kitab Zubdatul Wa'izhin)
Bertaubat Kita juga digalakkan untuk melalukan taubat kepada Allah SWT. Diriwayatkan dari Umamah Al Bahili Radiallahuanhu, dia berkata: Rasulullah S.A.W. bersabda yang maksudnya: "Manakala masuk bulan Syaaban, sukacitalah dirimu dan perbaiki niatmu." Sabda Nabi s.a.w. : Apabila masuk bulan Syaaban, baikkanlah niatmu padanya, kerana kelebihan Syaaban atas segala bulan seperti kelebihanku atas kamu. Barangsiapa berpuasa sehari pada bulan Syaaban, diharamkan Allah tubuhnya dari api neraka. Dia akan menjadi tauladan Nabi Allah Yusuf a.s.di dalam syurga. Diberi pahala oleh Allah seperti pahala Nabi Allah Ayub a.s. dan Nabi Daud a.s. Jika dia sempurnakan puasanya sebulan di bulan Syaaban, dimudahkan Allah atasnya Sakaratulmaut dan ditolakkan (terlepas) daripadanya kegelapan di dalam kubur, dilepaskan daripada huru-hara Mungkar dan Nakir, ditutup Allah keaipannya di hari kiamat dan diwajibkan syurga baginya. Barangsiapa berpuasa pada awal hari khamis pada bulan Syaaban dan akhir Khamis daripada Syaaban, dimasukan dia ke dalam syurga. (dari kitab Al-Barakah). Berkata Siti Aisyah r.a., bulan yang lebih dikasihi oleh Rasululah s.a.w. ialah bulan Syaaban.”
Sabda Nabi s.a.w.: “Syaaban adalah bulanku dan Ramadhan adalah bulan umatku. Syaaban ialah mengkifaratkan (menghapuskan) dosa dan Ramadhan ialah menyucikan dosa (jasmani rohani). Sabda Nabi s.a.w.: “Bahawa puasa Syaba'an kerana membesarkan Ramadhan. Siapa yang berpuasa tiga hari daripada bulan Syaaban, kemudian dia bersalawat atasku beberapa kali sebelum berbuka puasa maka di ampunkan oleh Allah dosanya yang telah lalu, diberkatikan rezeki baginya” antara lain sabdanya lagi: “Bahawa Allah Ta'ala membukakan pada bulan itu tiga ratus pintu rahmat”.
PERISTIWA PENTING DI BULAN SYAABAN
Mengenali bulan Syaaban tanpa mengetahui peristiwa penting yang berlaku di bulan Syaaban terasa tidak lengkap. Terdapat beberapa peristiwa penting yang berlaku sepanjang bulan Syaaban. Antaranya ialah malam Nisfu Syaaban, penukaran arah kiblat, dan peperangan bani Mustaliq.
PENGERTIAN SYAABAN
Bulan Syaaban merupakan bulan kedua selepas Rejab. Bulan Syaaban juga merupakan bulan yang penuh dengan keberkatan. Sebahagian ahli hikmah menyatakan bahawa sesungguhnya bulan Rejab adalah kesempatan untuk meminta ampun dari segala dosa, dan pada bulan Syaaban adalah kesempatan untuk memperbaiki diri dari segala macam cela dan pada bulan Ramadhan adalah masa untuk menerangkan hati dan jiwa.
Syaaban dimengertikan sebagai berpecah-pecah atau berpuak-puak. Dikatakan masyarakat Quraisy pada waktu itu berpecah kepada beberapa kumpulan untuk mencari sumber air di padang pasir. Dan apabila datangnya Rasulullah S.A.W, baginda mengekalkan nama itu sehinggalah sekarang. Rasulullah S.A.W telah menyebut tentang pelbagai kelebihan bulan Syaaban dalam hadis-hadisnya. Diantara hadis yang paling masyhur ialah; Rasulullah S.A.W bertanya kepada sahabat-sahabatnya;
“Tahukah kamu sekelian mengapa dinamakan dengan bulan Syaaban?” Para sahabat menjawab, “Allah dan RasulNya lebih mengetahui” Sabda Rasulullah S.A.W, “Kerana dalam bulan itu berkembanglah kebaikan yang banyak sekali.” (Dipetik dari kitab Raudatul Ulama)
MALAM NISFU SYAABAN
Nisfu dalam bahasa arab bererti setengah. Nisfu Syaaban bererti setengah bulan Syaaban. Malam Nisfu Syaaban adalah malam lima-belas Syaaban iaitu siangnya empat-belas haribulan Syaaban. Maka, Nisfu Syaaban adalah peristiwa hari ke-15 dalam bulan Syaaban tahun Hijrah. Umat Islam mempercayai yang pada malam Nisfu Syaaban, amalan akan dibawa naik oleh malaikat untuk ditukar dengan lembaran amalan yang baru setelah setahun berlalu.
Nabi Muhammad s.a.w. menggalakkan umatnya untuk bangun malam dan berjaga serta beriktikaf sepanjang malam kerana tidak mahu amalan diangkat dalam keadaan tidur atau lalai. Malam Nisfu Syaaban merupakan malam yang penuh berkat dan rahmat selepas malam Lailatul qadr. Saiyidatina Aisyah r.a. meriwayatkan bahawa Nabi S.A.W tidak tidur pada malam itu sebagaimana yg tersebut dalam sebuah hadis yg diriwayatkan oleh Imam Al-Baihaqi r.a: “Rasulullah S.A.W telah bangun pada malam (Nisfu Syaaban) dan bersembahyang dan sungguh lama sujudnya sehingga aku fikir beliau telah wafat. Apabila aku melihat demikian aku mencuit ibu jari kaki Baginda S.A.W dan bergerak. Kemudian aku kembali dan aku dengar Baginda S.A.W berkata dlm sujudnya, “Ya Allah aku pohonkan kemaafanMu daripada apa yg akan diturunkan dan aku pohonkan keredhaanMu daripada kemurkaanMu dan aku berlindung kpdMu daripadaMu. Aku tidak dapat menghitung pujian terhadapMu seperti kamu memuji diriMu sendiri.” Baginda Rasulullah sendiri telah menggalakkan kita agar beramal pada malam kemuliaan nisfu syaaban dengan sabdanya :
Ertinya : “ Apabila tiba malam Nisfu Syaaban , maka hendaklah kalian bangun pada malamnya (melakukan ibadat) dan berpuasa pada siangnya, ini kerana Allah swt (turun merahmati hamba-hambaNya) pada malam tersebut mulai dari terbenamnya matahari ke langit dunia. Allah swt berfirman ” Adakah dari kalangan hamba-hambaKu yang memohon keampunan, maka akan Ku ampunkannya. Adakah dari kalangan mereka yang memohon rezeki , maka akan Ku turunkan rezeki untuknya. Adakah dari kalangan mereka orang yang ditimpa bala, maka akan Ku sejahterakannya. Adakah dari kalangan mereka yang begini dan adakah dari kalangan mereka yangt begini sehinggalah terbit Fajar “.
Setelah Baginda S.A.W selesai sembahyang, Baginda berkata kpd Saiyidatina Aisyah r.a. “Malam ini adalah malam Nisfu Syaaban. Sesungguhnya Allah Azzawajjala telah datang kepada hambanya pada malam Nisfu syaaban dan memberi keampunan kepada mereka yg beristighfar, memberi rahmat ke atas mereka yg memberi rahmat dan melambatkan rahmat dan keampunan terhadap orang2 yg dengki.”
Hari nisfu Syaaban adalah hari dimana buku catatan amalan kita selama setahun diangkat ke langit dan diganti dengan buku catatan yang baru. Catatan pertama yang akan dicatatkan dibuku yang baru akan bermula sebaik sahaja masuk waktu maghrib, (15 Syaaban bermula pada 14 hb Syaaban sebaik sahaja masuk maghrib).
FADHILAT BULAN SYAABAN
Di antara amalan-amalan yang digalakkan pada bulan Syaaban adalah :
Memperbanyakkan puasa sunat
Sebagaimana yang telah dijelaskan terdahulu bahawa Rasulullah S.A.W lebih gemar untuk berpuasa sunat dalam bulan Syaaban berbanding dengan bulan-bulan yang lain. Justeru itu adalah patut bagi kita selaku umat Baginda mencontohinya dalam memperbanyakkan puasa sunat bagi menyemarak dan mengagungkan bulan Syaaban ini. Begitulah tingginya pekerti Nabi Muhammad nabi junjungan kita.
Di dalam kitab Durratun Nasihin ada menyebut sebuah hadis yang menyatakan bahawa Rasulullah S.A.W. bersabda yang maksudnya: "Barangsiapa berpuasa tiga hari pada permulaan Syaaban dan tiga hari pada pertengahan Syaaban dan tiga hari pada akhir Syaaban, maka Allah Taala mencatat untuknya pahala seperti pahala tujuh puluh nabi dan seperti orang-orang yang beribadat kepada Allah Taala selama tujuh puluh tahun dan apabila dia mati pada tahun itu maka dia seperti orang yang mati syahid."
Memperbanyak doa, zikir dan berselawat kepada Rasulullah S.A.W.
Kita sebagai umat Islam juga digalakkan untuk memperbanyak doa, zikir, dan berselawat kepada Rasulullah S.A.W. Sabda Rasulullah S.A.W.: "Barangsiapa yang mengagungkan bulan Syaaban, bertaqwa kepada Allah, taat kepada-Nya serta menahan diri dari perbuatan maksiat, maka Allah Taala mengampuni semua dosanya dan menyelamatkannya di dalam tahun itu dari segala macam bencana dan penyakit." (Dipetik dari kitab Zubdatul Wa'izhin)
Bertaubat Kita juga digalakkan untuk melalukan taubat kepada Allah SWT. Diriwayatkan dari Umamah Al Bahili Radiallahuanhu, dia berkata: Rasulullah S.A.W. bersabda yang maksudnya: "Manakala masuk bulan Syaaban, sukacitalah dirimu dan perbaiki niatmu." Sabda Nabi s.a.w. : Apabila masuk bulan Syaaban, baikkanlah niatmu padanya, kerana kelebihan Syaaban atas segala bulan seperti kelebihanku atas kamu. Barangsiapa berpuasa sehari pada bulan Syaaban, diharamkan Allah tubuhnya dari api neraka. Dia akan menjadi tauladan Nabi Allah Yusuf a.s.di dalam syurga. Diberi pahala oleh Allah seperti pahala Nabi Allah Ayub a.s. dan Nabi Daud a.s. Jika dia sempurnakan puasanya sebulan di bulan Syaaban, dimudahkan Allah atasnya Sakaratulmaut dan ditolakkan (terlepas) daripadanya kegelapan di dalam kubur, dilepaskan daripada huru-hara Mungkar dan Nakir, ditutup Allah keaipannya di hari kiamat dan diwajibkan syurga baginya. Barangsiapa berpuasa pada awal hari khamis pada bulan Syaaban dan akhir Khamis daripada Syaaban, dimasukan dia ke dalam syurga. (dari kitab Al-Barakah). Berkata Siti Aisyah r.a., bulan yang lebih dikasihi oleh Rasululah s.a.w. ialah bulan Syaaban.”
Sabda Nabi s.a.w.: “Syaaban adalah bulanku dan Ramadhan adalah bulan umatku. Syaaban ialah mengkifaratkan (menghapuskan) dosa dan Ramadhan ialah menyucikan dosa (jasmani rohani). Sabda Nabi s.a.w.: “Bahawa puasa Syaba'an kerana membesarkan Ramadhan. Siapa yang berpuasa tiga hari daripada bulan Syaaban, kemudian dia bersalawat atasku beberapa kali sebelum berbuka puasa maka di ampunkan oleh Allah dosanya yang telah lalu, diberkatikan rezeki baginya” antara lain sabdanya lagi: “Bahawa Allah Ta'ala membukakan pada bulan itu tiga ratus pintu rahmat”.
PERISTIWA PENTING DI BULAN SYAABAN
Mengenali bulan Syaaban tanpa mengetahui peristiwa penting yang berlaku di bulan Syaaban terasa tidak lengkap. Terdapat beberapa peristiwa penting yang berlaku sepanjang bulan Syaaban. Antaranya ialah malam Nisfu Syaaban, penukaran arah kiblat, dan peperangan bani Mustaliq.
Thursday, May 10, 2012
Jom ke Guangzhao, China
Destinasi anda seterusnya ?
Boleh fikirkan untuk ke Guangzhao, China.
Pertama-nya : Pengalaman kita.
Kedua-nya : Kehidupan mereka dan anda akan berasa amat bersyukur dilahirkan di Malaysia.
Ketiga-nya : Cara mereka bekerja.
Keempat-nya : Barangan yang boleh dibeli dengan kadar yang amat rendah sekali terutama baragan kulit.
Kelima-nya : Bagi para peniaga-peniaga yang hendak mecari barangan yang murah dan agak berkualiti.
Jangana lupa bawa makanan sendiri sebab anda mungkn tidak akan suka makanan mereka. Bawa makanan
seperti maggi, roti kering, roti gardenia, serodneng kering, keju dan apa2 yang patut. Makanan mereka agak
mahal juga.
Just ambil AIR ASIA dari LCCT dan terus ke sana.
Wassalam
Ahmad Shah
Boleh fikirkan untuk ke Guangzhao, China.
Pertama-nya : Pengalaman kita.
Kedua-nya : Kehidupan mereka dan anda akan berasa amat bersyukur dilahirkan di Malaysia.
Ketiga-nya : Cara mereka bekerja.
Keempat-nya : Barangan yang boleh dibeli dengan kadar yang amat rendah sekali terutama baragan kulit.
Kelima-nya : Bagi para peniaga-peniaga yang hendak mecari barangan yang murah dan agak berkualiti.
Jangana lupa bawa makanan sendiri sebab anda mungkn tidak akan suka makanan mereka. Bawa makanan
seperti maggi, roti kering, roti gardenia, serodneng kering, keju dan apa2 yang patut. Makanan mereka agak
mahal juga.
Just ambil AIR ASIA dari LCCT dan terus ke sana.
Wassalam
Ahmad Shah
Wednesday, April 14, 2010
Kebaikan Buah Delima
Buah delima adalah salah satu buah yang terdapat di dalam syurga yang kaya dengan unsur zat besi sebagaimana firman Allah: (Q:55:6) Maksudnya :"Pada keduanya juga terdapat buah-buahan serta pohon-pohon kurma dan delima. Buah delima atau dari segi saintifiknya Punica granatum mempunyai pelbagai keistimewaan, selain dari sedap dimakan ,ia juga mempunyai kebaikan dari segi kesihatan.Zat besi yang terdapat dalam buah delima dianggap sebagai unsur penting dalam pembentukan darah merah. Seseorang yang kekurangan zat besi akan mengalami penyakit anemia. Dengan hanya sebiji buah delima mampu memberi khasiat yang banyak kepada kita. Buah Delima mempunyai kadar antioksidan yang paling tinggi diantara buah-buahan yang lain. Delima, sejenis buah lain yang disebutkan di dalam Al-Qur`an, mengandung potassium yang besar volumenya, selain dari mineral-mineral lain seperti fosfor, kalsium, besi, dan sodium, dan vitaman-vitamin A, B1, B2, B3, dan C. Bereaksi bersama sodium, potassium mengatur ekuilibrium air tubuh dan menjaga detak jantung agar tetap normal..(bagi ibu dan perkembangan fetusnya). Dengan memelihara keseimbangan kadar potassium-sodium, buah ini juga menunjang kepekaan saraf dan otot agar berfungsi secara teratur( kajian mendapati rahim wanita lebih utuh/kuat sesuai dengan kepekaan nya menunjang pergerakan bayi yg dikandung) , mencegah edema, dan mengurangi kadar gula yang beredar di dalam darah ( ibu yang baru pertama kali mengandung atau lebih dari 3 kali pregnancy No.). Delima menghilangkan rasa letih otot dan memungkinkannya bergerak dengan mudah,dan juga menguatkan jantung. Antara kebaikannya yang lain: *menghalang pembentukan sel kanser *mencantikkan kulit *mencegah dr nyanyuk *memberi tenaga *elok utk pesakit tekanan drh tinggi dan rendah *elok utk sistem penghadaman *mngurangkan berat badan *prevent morning sickness( utk org mengandung) *memperelokkan rahim Maklumat Pertanian - Ternakan, Tanaman, Perikanan & AgrotourismSekadar Info,Rujukan dan Ilmu.
Public Mutual emerges as the Biggest Winner for 7th consecutive year
Public Bank’s wholly-owned subsidiary, Public Mutual swept 10 out of the 29 awards, including the most prestigious “Best Overall Fund Group” award, at The Edge-Lipper Malaysia Fund Awards 2010 held at the Kuala Lumpur Convention Centre on 23 February 2010. This is the 7th consecutive year Public Mutual has emerged as the biggest winner at the annual awards event.
Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow expressed pride at the outstanding achievement despite a challenging year in 2009. “These awards demonstrate Public Mutual's commitment in continuously delivering top value as well as meeting the diverse needs of our unitholders,” he said.
By winning these awards, Public Mutual has to date received a total of 148 industry awards. Tan Sri Teh dedicated these awards to Public Mutual’s board of directors, management, staff, unit trust consultants and investors for their unwavering support and confidence over the years.
The 10 awards won by Public Mutual are:
No
Fund / Company
Category
1
Public Mutual Berhad
Best Overall Fund Group Award
2
Public Regional Sector Fund
Equity Asia Pacific
3 years
3
Public Far-East Dividend Fund
Equity Asia Pacific Ex Japan
3 years
4
Public SmallCap Fund
Equity Malaysia Small and Mid Caps
3 years
5
Public SmallCap Fund
Equity Malaysia Small and Mid Caps
5 years
6
Public Bond Fund
Bond Malaysian Ringgit
10 years
7
PB Balanced Fund
Mixed Asset MYR Balanced
10 years
8
Public Islamic Bond Fund
Bond Malaysian Ringgit - Islamic
3 years
9
Public Islamic Bond Fund
Bond Malaysian Ringgit - Islamic
5 years
10
Public Ittikal Fund
Equity Malaysia - Islamic
10 years
Public Mutual is Malaysia’s largest private unit trust company with 73 funds under management. It has over 2,000,000 accountholders and as at 31 December 2009, the total net asset value of the funds managed by the company was RM35.6 billion.
Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow expressed pride at the outstanding achievement despite a challenging year in 2009. “These awards demonstrate Public Mutual's commitment in continuously delivering top value as well as meeting the diverse needs of our unitholders,” he said.
By winning these awards, Public Mutual has to date received a total of 148 industry awards. Tan Sri Teh dedicated these awards to Public Mutual’s board of directors, management, staff, unit trust consultants and investors for their unwavering support and confidence over the years.
The 10 awards won by Public Mutual are:
No
Fund / Company
Category
1
Public Mutual Berhad
Best Overall Fund Group Award
2
Public Regional Sector Fund
Equity Asia Pacific
3 years
3
Public Far-East Dividend Fund
Equity Asia Pacific Ex Japan
3 years
4
Public SmallCap Fund
Equity Malaysia Small and Mid Caps
3 years
5
Public SmallCap Fund
Equity Malaysia Small and Mid Caps
5 years
6
Public Bond Fund
Bond Malaysian Ringgit
10 years
7
PB Balanced Fund
Mixed Asset MYR Balanced
10 years
8
Public Islamic Bond Fund
Bond Malaysian Ringgit - Islamic
3 years
9
Public Islamic Bond Fund
Bond Malaysian Ringgit - Islamic
5 years
10
Public Ittikal Fund
Equity Malaysia - Islamic
10 years
Public Mutual is Malaysia’s largest private unit trust company with 73 funds under management. It has over 2,000,000 accountholders and as at 31 December 2009, the total net asset value of the funds managed by the company was RM35.6 billion.
Thursday, November 12, 2009
Finally ... Jumpa Jugak Kawan-Kawan ex-ITM Arau Diploma in Banking
Kepada Kawan-Kawan yang budiman, InsyaAllah ... reunion kat Penang kut ....
Monday, April 6, 2009
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!
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.
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’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.
Wednesday, February 18, 2009
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.
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.
Wednesday, February 11, 2009
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
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.
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.
Saturday, February 7, 2009
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.
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
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
Sunday, February 1, 2009
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.
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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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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Tuesday, December 30, 2008
Apa Dah Jadi Dengan Umat Islam ? Kenapa Kita Masih Kurang Sedar ?
Israel pertimbangkan cadangan gencatan senjata - Utusan Malaysia
31/12/2008 11:01am
BANDAR GAZA 31 Dis. – Israel hari ini mempertimbangkan cadangan gencatan senjata 48 jam ketika pemimpin dunia mendesak negara Yahudi itu menamatkan serangan dan bedilan jet pejuang ke atas Genting Gaza.
Jurucakap Menteri Pertahanan Israel, Ehud Barak berkata, beliau menunjukkan minat terhadap usul gencatan senjata sementara namun menekankan ini tidak bermakna ia dapat menghalang Israel dari kemungkinan menggunakan tentera darat.
Pegawai Israel memberi amaran bahawa tindakan ketenteraan yang setakat ini telah meragut 374 nyawa akan berterusan berminggu-minggu ketika serangan udara dan bedilan artileri masuk hari kelima.
Pejuang Hamas terus melancarkan roket semalam dan mengancam untuk meningkatkan serangan ke atas Israel.
“Kami ingin mengkhabarkan kepada pemimpin musuh, sekiranya kamu meneruskan serangan maka kami akan melancarkan serangan roket yang lebih jauh berbanding sebelum ini,” kata jurucakap sayap tentera Hamas, Briged Ezzedine al-Qassam, yang mengenakan topeng ketika membuat ulasan di televisyen.
Perdana Menteri Israel, Ehud Olmert petang semalam berbincang dengan Barak dan Menteri Luar, Tzipi Livni mengenai cadangan Perancis untuk gencatan senjata 48 jam, namun pejabat Olmert menyatakan bahawa beliau telah mengeluarkan arahan agar perincian mesyuarat tidak didedahkan. – AFP
31/12/2008 11:01am
BANDAR GAZA 31 Dis. – Israel hari ini mempertimbangkan cadangan gencatan senjata 48 jam ketika pemimpin dunia mendesak negara Yahudi itu menamatkan serangan dan bedilan jet pejuang ke atas Genting Gaza.
Jurucakap Menteri Pertahanan Israel, Ehud Barak berkata, beliau menunjukkan minat terhadap usul gencatan senjata sementara namun menekankan ini tidak bermakna ia dapat menghalang Israel dari kemungkinan menggunakan tentera darat.
Pegawai Israel memberi amaran bahawa tindakan ketenteraan yang setakat ini telah meragut 374 nyawa akan berterusan berminggu-minggu ketika serangan udara dan bedilan artileri masuk hari kelima.
Pejuang Hamas terus melancarkan roket semalam dan mengancam untuk meningkatkan serangan ke atas Israel.
“Kami ingin mengkhabarkan kepada pemimpin musuh, sekiranya kamu meneruskan serangan maka kami akan melancarkan serangan roket yang lebih jauh berbanding sebelum ini,” kata jurucakap sayap tentera Hamas, Briged Ezzedine al-Qassam, yang mengenakan topeng ketika membuat ulasan di televisyen.
Perdana Menteri Israel, Ehud Olmert petang semalam berbincang dengan Barak dan Menteri Luar, Tzipi Livni mengenai cadangan Perancis untuk gencatan senjata 48 jam, namun pejabat Olmert menyatakan bahawa beliau telah mengeluarkan arahan agar perincian mesyuarat tidak didedahkan. – AFP
Public Mutual declares distributions for 2 funds
Public Bank’s wholly-owned subsidiary, Public Mutual declares distributions for two of its funds. The total gross distributions declared are for financial year ended 30 November 2008:
Fund
Gross Distribution / Unit
Public Islamic Balanced Fund
1.00 sen
Public Far-East Dividend Fund
0.35 sen
Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow commented that Public Mutual is pleased to be able to continue to declare distributions on its funds despite a very challenging market condition. “Public Islamic Balanced Fund and Public Far-East Dividend Fund have consistently declared annual distributions since their launch in 2005 and 2006 respectively.” he added.
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-strong unit trust consultants. As at 31 October 2008, the total net asset value of the funds managed by the company was RM21.5 billion.
Fund
Gross Distribution / Unit
Public Islamic Balanced Fund
1.00 sen
Public Far-East Dividend Fund
0.35 sen
Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow commented that Public Mutual is pleased to be able to continue to declare distributions on its funds despite a very challenging market condition. “Public Islamic Balanced Fund and Public Far-East Dividend Fund have consistently declared annual distributions since their launch in 2005 and 2006 respectively.” he added.
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-strong unit trust consultants. As at 31 October 2008, the total net asset value of the funds managed by the company was RM21.5 billion.
Sunday, December 7, 2008
Do You KNow ?
* Do You Know that Total Private Net Asset Value (NAV) at amount of RM$66,949 millions ?
* Do You Know that Investors keep on increasing from Day-To-Day to buy secured
investment ?
* Do You Know that we Malaysian got a lot of surplus money & yet to invest in secured
investment tools ?
* Do You Know that we Malaysian still beleive in "Skim Cepat Kaya" because of fastest
return ?
* Do You Know that PUBLIC MUTUAL is still No.1 (leader of the private unit trust company)
controlling at approximately 39% from the total market. The No. 2 rival controlling at
approximately 13.5% from the total market ?
+ Public Mutual 39%
+ Aminvestment 13.5%
+ CIMB Group 12.2%
+ Prudential 5.4%
+ Hwang-DBS 5.4%
+ OSK 5.3%
+ HLG 3.6%
+ ING 3.2%
+ Pacific Mutual 2.6%
+ MAAKL 1.9%
Do You Know that YOU SUPPOSE TO GO FOR NO.1 ???? OH YESSS !!!!
Happy Invest
* Do You Know that Investors keep on increasing from Day-To-Day to buy secured
investment ?
* Do You Know that we Malaysian got a lot of surplus money & yet to invest in secured
investment tools ?
* Do You Know that we Malaysian still beleive in "Skim Cepat Kaya" because of fastest
return ?
* Do You Know that PUBLIC MUTUAL is still No.1 (leader of the private unit trust company)
controlling at approximately 39% from the total market. The No. 2 rival controlling at
approximately 13.5% from the total market ?
+ Public Mutual 39%
+ Aminvestment 13.5%
+ CIMB Group 12.2%
+ Prudential 5.4%
+ Hwang-DBS 5.4%
+ OSK 5.3%
+ HLG 3.6%
+ ING 3.2%
+ Pacific Mutual 2.6%
+ MAAKL 1.9%
Do You Know that YOU SUPPOSE TO GO FOR NO.1 ???? OH YESSS !!!!
Happy Invest
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