Friday, July 11, 2008

Investment - Unit trust + funding from EPF

Guys,meand my sajoha class of 93 got interesting discussion in our exsmsj 93 yahoogroups. I'm a bit tired to do editing, just copy and paste what we've discussed.


Aizam Matjin posted on 6:18pm, 11/07/08;

Aku advice orang pesal investment in Unit Trust especially guna duit epf.

Sebelum ni, minimum yang perlu di tinggalkan dalam EPF adalah 55k, tapi bermula tahun ini, jumlah minima telah dikurangkan/ ditambah mengikut had umur. Jadi untuk umur kita, sekurang-kurangnya mest ada 27k, 22k perlu ditinggalkan balance 5k tu cuma boleh ambil 20% sahaja, so kita boleh start dengan 1k investment.

Ok, pesal syer ni aku tak berapa pasti nak beli yang mana, tapi kalau CIMB nyer trust fund aku boleh recommend. Strategi aku untuk customer ialah diversified. Aku tak mengharap pada 1 jenis fund sahaja untuk make profit.

For epf investment, for the first 2 years, aku advise customer to withdraw every 3 month to build up your capital in Unit Trust. Bila investment dah cecah 20k, aku akan buat portfolio, diversified dalam 4-5 fund. Bila dah dapat targeted profit, switch dalam money market atau bond untuk sementara. Then enter balik bila masa sesuai. Buang karan jer masuk balik epf.

Untuk umur kita aku tak galakkan bond fund simpan dalam bond untuk masa lama, maybe we should go 60% equity dan 40% balance fund. Ataupun 80% in equity fund and 20% balance fund. Kita masih muda, jadi walaupun share market Malaysia ni crash macam mana pun, still ada masa untuk recover.

Di US retirement fund dipanggil 401k kalau tak salah. Regarding US nyer market, depa tengah prepare nak perang, tatau la bila nak recover. Pastu dengan isu suprima lagi.

In Unit trust, kalau kita guna strategi yang betul dan buat regular investment, u can enter the market in all condition. As long as kita sabar untuk mengumpul unit-unit dan kita tak tamak. Dapat jer target profit EXIT, jangan nak tunggu market naik lagi la, nak tanya bini dulu la, nak nengok tahun depan la. Tau tau jer market dah drop balik. Kalau u miss the opportunity to sell , you kena tunggu the next market cycle baru price akan naik balik. Tunggu la lagi 5 tahun untuk dapatkan profit tuh ... ahahahaha

Ok people.. thanks for reading.

P/S: My offer still on sesiapa yang dah ada minimum 27k in akaun 1 dan nak mula planning for retirement fund, sms or call me.

Aizam Matjin

017 500 3205



Rizalzin Hashim Mohammed posted on 7:39pm, 11/07/08;

Below is the guidelines from EPF.

Basically what it means is, at our age, kalau ikut lampiran tu lah
(which aku tak leh nak copy&paste kat sini, sorry guys), at 32 y.o,
Jumlah Simpanan Asas Dalam Akaun 1 yang patut dikekalkan ialah RM
22,000. Aku ambik example ni sbb most of us is/going to be 32 this yr.
The longer you consider this scheme i.e kalau umur dah 35, jumlah
simpanan asas naik to RM29,000. Why at 35 if you can do now! Hehehe.
Anyway, the balance tu je yang boleh invest dlam UT, itu pun 20% shj
tuan2 & puan2.

So the calculation is somewhat like this:
Aku guna Mat Jin punya scenario

At 32
Simpanan Dlm Akaun 1: RM27,000
Simpanan Asas: RM 22,000
Calculation: Simpanan A1 - Simpanan Asas x 20% :(27,000 - 22,000)x 20%
= RM1,000
So boleh la beli UT with capital at RM1,000

Betul tak Aizam? Pls confirm.

Oh lupa, EPF guidelines yg aku d/l dr web. Aku dah upload kat Files -
korang boleh tgk kat situ. Filename: Panduan Kelayakan Pelaburan.pdf

Cheers

1.0 PENGENALAN
Mulai 1 November 2007, KWSP telah melaksanakan beberapa pembaharuan
dalam SKIM KWSP secara berperingkat di bawah inisiatif strategik
'Bukan Hanya Simpanan' seperti mana yang diperuntukkan di bawah Akta
KWSP 1991 (pindaan 2007). Ini termasuklah inisiatif untuk
memperkenalkan Simpanan Asas bagi menentukan amaun yang layak
dilaburkan oleh ahli daripada Akaun 1 di bawah Pengeluaran Pelaburan
Ahli (PPA)
2.0 DEFINISI SIMPANAN ASAS
Simpanan Asas ialah satu jumlah simpanan dalam Akaun 1 yang ditetapkan
mengikut umur bagi membolehkan ahli memperoleh simpanan
sekurang-kurangnya RM120,000 pada umur 55 tahun. Ahli boleh melaburkan
simpanan dalam Akaun 1 yang melebihi simpanan asas dalam produk dan
menerusi insititusi pelaburan yang diluluskan oleh Menteri Kewangan.
3.0 SYARAT-SYARAT YANG DITETAPKAN
3.1 Mulai 1 Februari 2008, ahli boleh melaburkan simpanan di bawah PPA
tidak melebihi 20% daripada jumlah simpanan yang melebihi Simpanan
Asas dalam Akaun 1.
3.2 Pelaburan ini boleh dibuat setiap 3 bulan sekali dan jumlah
minimum pelaburan ialah RM1,000.00.
3.3 Jumlah Simpanan Asas dan contoh pengiraan adalah seperti di LAMPIRAN.
3.4 Syarat-syarat am prosedur di bawah Pengeluaran Pelaburan Ahli yang
lain masih kekal dan tidak berubah.
4.0 PERTANYAAN
Untuk maklumat lanjut, sila layari laman web KWSP www.kwsp.gov. my atau
menghubungi Pusat Panggilan Telefon KWSP di talian 03 8732 6000 atau Emel
enquiry@epf. gov.my
KUMPULAN WANG SIMPANAN PEKERJA


Love to hear what you think!

2 comments:

  1. bro, my father's name was wrongly spelled. it's mohammed.

    cheers!

    ReplyDelete
  2. oopppsss sori...... ammendment done

    ReplyDelete

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