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.