Saturday, December 20, 2008

Public Mutual masa gawat?


klik for larger image

As usual , like what i do every time i update my blogs , ill take a look on my NUFFNANG status.
like u all know, my blog has the worst traffic of all time. 21-30 UV per day if there is no promotion.

what i want to share with u is what on my keywords list, which mean, what people type linked to my blog. one of the keyword is "Public Mutual masa gawat" in english : Public Mutual during recession.

Public mutual is the no1 Unit trus company in malaysia. ( u can google this company's info if u dont trust me )

there are a lot of unit trust company in Malaysia such as MAA Mutual, CIMB wealth advisor so on and so forth

do u know how to retire rich?
yeah, u are not working anymore but u have a lot of money

the answer is UNIT TRUST.
yaa, AMANAH SAHAM.

If u already working, u must have ur EPF account.
and u have 2 accounts in EPF right? account 1 & account 2

what can u do with ur account 2?
- home loans etc <-- im not sure what else can u do with the money in account 2 what can u do with ur account 1? - invest it in UNIT TRUST additional info = the money inside account 1 cant be withdraw untill u reached 55 y o

Why should i gamble my pension money for an UNIT TRUST investment?

1) u r not gambling
2) u need more money for ur retirement!
3) statistics show that malaysian finished using their pension money in account 1 for only 5-10 years ( if im not mistaken. pls correct me if im wrong.. i didnt remeber the exact figures) 4)the dividen is higher compare to what EPF can give u How about recent economy condition? is it ok to invest? -this is my 2nd time talking about investing during recession. u can read my
previous post about it but the post is in malay lah.

During recession, stock prices fall down dramatically. which means, lower price.

logically, buy something during SALE is cheaper or buy something when there is no SALE is cheaper?

buy now, sell it later.

buy it 0.1 sen, sell it for 0.34 sen

its just a simple mathematic laah!

What will happen if the economy continuously falling down?
-that is why im talking about UNIT TRUST, not SHARE MARKET. u will never lost until u sell ur UNIT cheaper than the price when u first bought it.

This is a long term investment. u need to be patient to hit the JACK POT.
the last time i checked the FUND prices in Public Mutual funds, most of the FUND price fall 0.1-0.2 sen.

u buy now, u sell it 3-5 years later. i can guarantee u big bucks.
just like i said before, the world economy is like a spinning wheel. itll rotate whatever happened before. 97' recession is eventually stable after 2-3 years. for 08' recession, itll stable eventually.
none of the G20 leaders want to destroy their countries economy. fyi, G20 ,planned to fix this prob for 16month.

god's willing, itll be ok.

last but not least. be greedy while others afraid. which means, buy now or never! i mean, if u dont want to invest now, invest it on coming recession.

u have the money during recession, u have the power . however, u need to invest wise to be powerful after recession

more infos:
bisnesharian@gmail.com

7 comments:

Loke said...

haha. for many people who don't really know about the fundamentals, recession is a bad time to do any investment. and some young people nowadays never thought of retirement. they only think of today's comfort. never the long term comfort.

renaye
http://renaye.nutang.com

Bisnes Harian said...

yup2.
ey,recession is a blessing actually

Arcane said...

Salam bro, u r clearly a Public Mutual agent, or a relative of one, or a close friend of one. I have been investing with two giant unit trust companies in Malaysia, CIMB WA and Public M, for more than 8 years. Both of them gv good returns, sometimes CIMB gv higher returns than Public for global funds, and sometimes Public gv higher returns for local conventional funds.
If u see closely at the advertising banner, there's an asterisk besides the No. 1 in Public, like this = 1*, it's a disclaimer clarifying that Public M is no. 1 in terms of AUM or NAV, not in terms of returns. However, all the Public M agents have cleverly used the no. 1 without any asterisk when marketing their products, that's really a misleading tactics.
However, both of them are good giant companies...

ahmad said...

U can read this article from an advertising expert if u do not believe me. :

From StarBiz Saturday December 6, 2008

Is advertising misusing the power of the Asterisk?

ADVERTISINGH BY SLEDGEHAMMER

YOU know the routine. You see those screaming ad headlines that will rivet your attention from across the page. But most times what you don’t realise is that there is an asterisk next to a seemingly unbelievable claim in the headline. Taking a leaf out of legal document verbage where asterisks always come in handy for elaborate footnotes, the modern day asterisk helps qualify almost anything under the sun.
You can see this in the bank ads about interest rates, airlines ads declaring amazing fares and of course, telcos crusading low, low, low prices.
I, for one, have come to the realisation that I’ll never get an AirAsia ticket for RM0. I am not one of those 500,000 travellers who’ll get a free seat; it will remain as distant as running a midnight marathon in the sewers. Even if my irreverent webmaster Gary Tay deployed an army of discount-hungry students who’d swarm to their website in every micro-click second. No chance. Zilch.
Isn’t it frightening how we can be hypnotised purely by the magic of the infamous asterisk? Vulnerable consumers fall for this timeless gimmick on a daily basis.
The using of asterisks, while legally justified by the fine print, however has a way of masking the bigger truth. You could always say something without actually saying it. Instead of using asterisks for reasons of brevity for readers who’s lives evolves around back-breaking details (who?), it has now become a lazy ad person’s way out when he is barren of real ideas.
Plonk in the superlative headline, mind-boggle the consumer to extraordinary disbelief and escape under the dark cover of darkness with asterisk in tow.
Which is why it is encouraging to note the Advertising Standards Authority in Singapore recently issue a circular stating all airlines and travel agencies are required to list the full fares of flight and travelling packages in ads. Emirates in Malaysia adheres to this ruling.
This was incorporated into the Singapore Code of Advertising Practice (SCAP) about a month ago. The code was enforced because consumers were faced with too many hidden costs when they booked their travel packages.
Putting aside asterisks for a moment, online media is a new scary playground on how mind-benders can get subversive in areas beyond advertising.
Despite its perverted logic, you can actually run the world from a panic room. I believe the notion that no man is an island is getting outdated as fast as islands are disappearing*.
While some readers may spring to the conclusion that I’m ad-bashing this week in my column, let me get more off my chest. This whole idea of ad making stemming from the perception that we are all about drama and flash will remain a prevalent double-edged sword in our business.
These are moments of truths we must face, or our new young generation will think we’ve gone senile before our time. That’s why I must end my article with this gem…
Here’s a disarming (but relevant) observation from a true Malaysian ad icon Yasmin Ahmad who rounded off a recent press conference honouring illustrious advertising people (including herself) at a Hall of Fame luncheon hosted by the Association of Accredited Advertising Agents:
“While I recognise that advertising lubricates the cogs of marketing, there is a dark side to our business. I cannot fathom how ads championing fair skin are getting away with it? Is being dark skinned bad? Just because rich people have money to advertise expensive products it doesn’t mean they can impose their thoughts irresponsibly on the masses. If we can turn the tide on these untruths, we’ll be the first country in the world to respect the consumer for who he or she is.”

*Terms andconditions apply


Harmandar Singh, also notoriously known as Ham, is editor-in-chief of MARKETING magazine and believes the devil is in the details.

Bisnes Harian said...

on how PM agents promoting PM to their clients, its all depend on their strategy. even though consumer@clients have the rights to know clearly all about a product, they also need to do a little bit of research: seek the truth.

i admit it, its unethical to promote something that is wrong to consumers. i think, most of PM agents also didn't know that PM is no1 in terms of AUM on NAV like what arcane said, instead of no1 in UNIT TRUST field.

as for my point of view, there is nothing wrong with PM as the no1 Unit trust in malaysia because of its performance is on the same level / better with other performed UT in malaysia.

thanx for the infos arcane!

Strobery.itu.aku said...

agree with loke.
they never thought of retirement.
they will only think about NOW.
for the future, they will think about it in the future laa..
hey,you are only 20 then why should you think of being older when it is not the time.
duhh..
that is what they are thinking about.

me,myself an insurance agent.
sometimes,
it is soo hard 2 let they think about financial protection.
because they are sooo young.
i dont mean to cause any offence here.
but im struggling to tell the teens nowadays how important the protection 4 themselves.
esp. malay.
what is on their mind is 'im still young.i'll come 2 insurance when im 30's...
on that time surely it will cost much2 higher because of the risk.
age increases,
risk increases.

Q - org muda dijamin xde penyakit ek?dijamin xkn kemalangan sebelum umur 30.lalala


p/s: sorry lari topic.

IkanStim said...

its okay strobery
yeah,it is an unfortunate fact u know.

malays, 70-89% didnt have any insurance protection but still, avoiding insurance agent.

melayu oh melayu

penulis ikanstim = penulis bisnesharian