Fund Highlight - Public Ittikal Fund

Public Ittikal Fund Performance
1. Return of 38.80% for 1-year (31/03/2009-31/03/2010)
2. Return of 13.36% for 3-years (30/03/2007-01/03/2010)
3. Return of 68.26% for 5-years (31/03/2005-31/03/2010)
Click on below image for details...


Enjoy FREE Insurance with Public Ittikal Fund

This insurance is specially designed to cover Public Mutual unitholders who maintain a minimum of 5,000 units and above in Public Ittikal Fund. The amount of Takaful/coverage will be equal to the number of units invested in the ratio of RM1 Takaful coverage for each unit subject to a maximum amount of RM100,000 per unitholder. Unitholders who qualify will be given group term life and group personal accident coverage.

Group Term Life (with Total & Permanent Disability) - GTL Coverage

1. This is a term life insurance that covers death & total permanent disablement due to natural and accidental causes 24 hours a day worldwide.
2. Total permanent disability (TPD) shall mean the complete inability of an insured to engage in any gainful occupation or employment for compensation, profit or gain for the remainder of his lifetime as a result of accident injury, sickness or disease.
More info on Free insurance...


EPF now allowed to invest in Public Ittikal
Now you can optimise your EPF savings with funds that invest in offshore markets! Public Mutual has 11 new EPF-approved funds (including the award-winning Public Ittikal Fund), which have the mandate to invest up to 30 percent of the fund's net asset value in overseas markets. Take this opportunity to diversify your EPF monies with foreign equity exposure through these funds. More info...

Are you ready for Retirement?

For many, retirement can be one of the best and most enjoyable periods of your life if you plan ahead. The bad news is only 5% of Malaysians are prepared for retirement, despite a growing awareness for the need to prepare for one's retirement, many do not translate their plans into action.

Those in their 20s think they are too young to think about retirement, while those in their 30s or 40s think their doing enough because they have their EPF savings. By the time they are 55, it is just too late.

Effects of Inflation
In 1973, a car costs RM7K. In 2010, it costs RM43K. The price has gone up 6x. To buy a house in 1973 it costs RM50K, in 2010 it costs RM350K. The price went up 7x. Those days a fresh graduate pay was RM1K. In 2010, a fresh graduate pay is RM2K. The income went up ONLY 2x! So guys, this is the effect of inflation.

Furthermore, putting your money in a bank doesn't help much to counter the effects of inflation. The inflationary rate is now 4-5%. Banking FD is about 2.75%. If you put your money there, this means that the value of your money is becoming smaller.



Where do you want to be at retirement?
If you do not plan now, probably you will not have enough savings in your retirement years. You will either end up continue working in your post retirement years, or asking money for support, perhaps from your children.

However if you do your planning NOW, you could very well be on the way to enjoying your retirement years.



PROCRASTINATION
So what are you waiting for? What is keeping you from planning for your retirement?

Flexible Savings vs Forced Savings

Do you have a force savings program? Or do you have a flexible savings one, where when you have extra money then only you save, and when you need money, then you take out the money that you have saved.

What is the difference between these two?

	Flexible Savings	Forced Savings
Characteristic	Spend first, save the balance	Save first, spend the balance
Advantage	Have liquidity for short term goals.	Have adequate money during retirement years.
Disadvantage	Less money during retirement. Because you save money and also spend money, in the end there is not much money left. Need to supplement income during retirement years.	Need strong discipline to maintain a strong habit to save a fixed amount regularly
Risks	Inflationary risks or Purchasing power risks. Although savings money in a bank provides liquidity, the lower interest rate returns from banks will eventually lower the value of your money.	Market risks. Unit trusts provide good vehicle for you to perform forced savings. Risks are minimized in unit trusts by diversifications.

Invest Your EPF Savings with Public Mutual

Why you should invest your EPF?
EPF only provide you with a return of 4-5%, and what is our inflation rate? Based on my calculation, the actual inflation rate should be more than 4%. So, EPF just preserve your value of money against inflation, you gain nothing at the end of the day. Let say, last year you have your coffee at RM 1.00, this year you have it at RM 1.10, is 10% up!!! Look at your petrol cost, 5%, fool or not?

No need worry, just trust me!!! EPF investment into unit trust will yield positive results in long term.

The cost of living is constantly on the rise and many Malaysians now realise they will need to make their retirement funds work harder. By investing your EPF monies in unit trust products, you are giving yourself more opportunity to overcome the effects of inflation and enjoy your golden years.

"About 70% of contributors who withdraw their EPF savings at the age of 55 tend to spend all their savings within 3 years"
~Employees' Provident Fund (EPF) ~
(Source: NST, 27 Dec 2008)

Is ASN / ASB syariah-compliant?

I heard that ASN and ASB are non-compliance to syariah requirements. Someone told me that they do not have a syariah committee. Anyway, I will not comment further on this issue. Perhaps somebody can do a research or get PNB to comment further on this.

However with Public Mutual we offer you a sure alternative of investing in unit trust the Islamic way, with full compliance to the syariah principles.






Manfaat melabur secara Islam?
1) Pengurusan Dana yang Professional
- Unit amanah patuh Syariah diuruskan berlandaskan kehendak Syariah oleh para profesional yang diluluskan.
2) Kepelbagaian
- Unit amanah pathu Syariah membantu anda mempelbagaikan pelaburan-pelaburan anda dalam sebuah portfolio sekuriti-sekuriti patuh Syariah bagi meminimumkan risiko dan kemeruapan.
3) Pertumbuhan modal/aliran pendapatan
- Unit amanah patuh Syariah memberi anda peluang untuk menikmati pertumbuhan modal dan/atau aliran pendapatan sebagai pulangan pelaburan anda
4) Berlandaskan kehendak Syariah
- Jawatankuasa Syariah atau Penasihat Syariah yang dilantik akan memastikan operasi dan pelaburan dana-dana adalah mengikut kehendak Syariah
5) Kecairan
- Unit amanah patuh Syariah membenarkan anda membeli dan menjual pelaburan anda dengan senang dan dengan pengelutan minimum. Pelabur-pelabur akan menerima hasil penebusan mereka dalam masa 10 hari.
6) Kemudahan dan kemampuan
- Anda boleh memulakan pelaburan anda dengan hanya RM1,000 dan pelaburan tambahan minima sebanyak RM100
7) Pndedahan Pelaburan
- Unit amanah patuh Syariah membolehkan anda mempelbagaikan pelaburan-pelaburan anda dan mendapat pendedahan kepada kelas-kelas aset patuh Syariah dan/atau negara-negara yang berlainan
8) Pengawalan
- Unit amanah patuh Syariah dikawal/selia oleh Suruhanjaya Sekuriti untuk melindungi kepentingan para pelabur
9) Manfaat-manfaat Pulangan Berganda
- Unit amanah patuh Syariah memberi anda peluang melabur semula pendapatan/pengagihan untuk mengumpul kekayaan. Elemen penting dalam pulangan berganda ialah masa - semakin lama tempoh masa, semakin besar pertumbuhannya.


Kelebihan Pelaburan di Public Mutual
1) Pulangan yang tinggi - better than ASB / ASN / EPF / Tabung Haji / Fixed Deposit
2) Minimal risk via diversification
3) Free takaful insurance (depending on the fund)
4) Pelaburan yang berlandaskan Islamik
5) Selamat – sebab ada pemegang amanah (trustee)
6) Syarikat pelaburan swasta no. 1 dan terbesar di Malaysia
7) Pengurus dana yang berpengalaman lebih 20 tahun
8) Modal permulaan serendah RM 1000(permulaan). Penambahan boleh di lakukan bila2 masa dengan minimum perlaburan RM100
9 ) Kemudahan simpanan jangka panjang yang flexible.


Mengapa ?
Pemimpin Industri
- Syarikat unit amanah swasta yang terbesar di Malaysia dengan jumlah nilai aset bersih sebanyak RM23.5 bilion* bagi lebih 2,000,000 pemegang akaun
- Pemimpin dalam industri unit amanah swasta Islam di Malaysia, dengan menguasai lebih daripada 52.3% bahagian pasaran.
- Sebagai anak syarikat milik penuh Public Bank, Public Mutual disokong oleh sumber-sumber kaya Bank.

Trek rekod yang unggul dalam memenangi anugerah
- Pengurus dana unit amanah yang paling banyak menerima anugerah di Malaysia, iaitu sebanyak 134 anugerah industri sejak 1999.

Pengalaman yang luas
- Mempunyai 28 tahun pengalaman dalam pengurusan dana.

* Sumber: The Edge-Lipper, 30 Mac 2009

Produk Pelaburan Islam Public Mutual
Anda boleh memilih mana-mana fund yg sesuai berdasarkan pulangan dan risiko yang anda mahu.

- Public Islamic Equity Fund (PIEF)
- Public Islamic Opportunities Fund (PIOF)
- Public Islamic Dividend Fund (PIDF)
- Public Islamic Balance Fund (PIBF)
- Public Asia Ittikal Fund (PAIF)
- Public China Ittikal Fund
- Public Islamic Asia Dividend Fund

Why I left from being a salaryman to financial consultant

Prior to this, I have been in the IT industry for almost 16 years. My last position was a senior programmer at a local company. It was very secure and stable company. I felt secure and happy working there.

Having been employed for many years, I see and realized that many of my colleagues and friends are also so occupied with work to earn a living, and that they do not have the time to do proper financial planning. Prices of services and goods are going up and up. Savings in the bank alone won't help much because the FD (fix deposit) rate is very low compared to the rate of inflation. So the money you save in the bank, will become smaller in value!

Therefore, it gives me great satisfaction to be able help them in saving and investing so that they can build a retirement fund enough for them to last through their retirement years.

In addition, I realised that my 3 children were growing up fast. In 6 years time, my eldest son was going to college. And they have a dream, which is to be able to study overseas. I realised how important this dream to them, and being a father, I wish to be able to help them realised their dream and give them a quality overseas education and a brighter future.

Most of you will agree with that, being a salaryman, I can never achieve this.

This is why I have taken the bold step to become self-employed and the best vehicle I have chosen is as a financial consultant with the biggest unit trust investment company in Malaysia.