ANDA BERUMUR 21 TAHUN KE ATAS? INGIN MEMAJUKAN KEJAYA BERSAMA CIMB WEALTH ADVISORS BERHAD? KELAYAKKAN MINIMUM SPM. ANDA DIJEMPUT HADIR KE GRAND BOP (BUSINESS OPPORTUNITY PROGRAM) CIMB WEALTH ADVISORS BERHAD..
PADA: RABU
TARIKH: 30 JANUARI 2008
MASA: 7:30- 9:30 MALAM
TEMPAT: HOTEL SHERATON, SUBANG..
JIKA ANDA INGIN HADIR SILA HUBUNGI SAYA FAZLINA TERMIZI 017 340 6898, UNTUK MENDAPATKAN TIKET PERCUMA.
BERSAMA-SAMALAH KITA MEMERIAHKAN NYA
Monday, January 28, 2008
Jemputan ke Grand BOP CIMB Wealth Advisors Berhad
Tuesday, January 22, 2008
KWSP Umum Dividen 5.8%
Seperti diumumkan oleh Menteri Kewangan Kedua , Tan Sri Nor Mohamed Yaacop, Kumpulan Wang Simpanan Kerja (KWSP) telah memberi dividen sebanyak 5.8% kepada pencarum-pencarumnya bagi tahun 2007.
Mstar
Tetapi tahukah anda (pencarum KWSP) boleh mendapat lebih dari dividen yang diberikan dengan menggunakan Akaun 1 KWSP? Caranya dengan menyertai skim pelaburan KWSP dalam "unit trust" . Anda boleh mendapat lebih pulangan dari pelaburan anda dan tentunya persaraan anda dimasa depan lebih menggembirakan.
Untuk maklumat lanjut hubungi saya (Nana) di talian 0173406898 atau email/YM nanaparkz@yahoo.com.
Sunday, January 20, 2008
Dari Suara Hati Unit Trust Consultant
Salam buat semua...
Hari ini 20 Januari 2008 bersamaan 10 Muharam di bulan Islam, ini bermakna sudah dua puluh hari kita berada di tahun 2008.
Sepanjang 20 hari ini, pelbagai yang belaku antara aku dan kerjaya ku di CIMB Wealth Advisors Berhad. Dahulunya pernah juga aku terfikir bahawa sukarnya untuk meneruskan kerjaya ku ini. Tetapi kini semuanya berubah sekelip mata. Aku tidak lagi merungut. Aku harus berpikiran positif dan terus melangkah ke depan.
Nantilah kejayaan ku!
Nana
Saturday, January 19, 2008
Iklan Skim Pelaburan KWSP Dalam Unit Trust
PERHATIAN!! PERHATIAN!!
MENCARUM DALAM KWSP??
TAHNIAH!!!
ANDA DIPELAWA UNTUK MENYERTAI SKIM PELABURAN KWSP DALAM UNIT TRUST "BUKAN HANYA SIMPANAN" ...SERTAILAH SEKARANG....
"BIARKAN WANG BEKERJA UNTUK KITA..."
JUMLAH SIMPANAN ASAS DALAM AKAUN 1 UNTUK UNIT TRUST
| UMUR (TAHUN) | SIMPANAN ASAS DLM KWSP (RM) | JUMLAH MIN YG BOLEH DI INVEST (RM) |
| 18 | 1000 | 6,000 |
| 19 | 2000 | 7,000 |
| 20 | 3,000 | 8,000 |
| 21 | 4,000 | 9,000 |
| 22 | 5,000 | 10,000 |
| 23 | 7,000 | 12,000 |
| 24 | 8,000 | 13,000 |
| 25 | 9,000 | 14,000 |
| 26 | 11,000 | 16,000 |
| 27 | 12,000 | 17,000 |
| 28 | 14,000 | 19,000 |
| 29 | 16,000 | 21,000 |
| 30 | 18,000 | 23,000 |
| 31 | 20,000 | 25,000 |
| 32 | 22,000 | 27,000 |
| 33 | 24,000 | 29,000 |
| 34 | 26,000 | 31,000 |
| 35 | 29,000 | 34,000 |
| 36 | 32,000 | 37,000 |
| 37 | 34,000 | 39,000 |
| 38 | 37,000 | 42,000 |
| 39 | 41,000 | 46,000 |
| 40 | 44,000 | 49,000 |
| 41 | 48,000 | 53,000 |
| 42 | 51,000 | 56,000 |
| 43 | 55,000 | 60,000 |
| 44 | 59,000 | 64,000 |
| 45 | 64,000 | 69,000 |
| 46 | 68,000 | 73,000 |
| 47 | 73,000 | 78,000 |
| 48 | 78,000 | 83,000 |
| 49 | 84,000 | 89,000 |
| 50 | 90,000 | 95,000 |
| 51 | 96,000 | 101,000 |
| 52 | 102,000 | 107,000 |
| 53 | 109,000 | 114,000 |
| 54 | 116,000 | 121,000 |
| 55 | 120,000 | 125,000 |
SILA HUBUNGI:
Fazlina Termizi
017 340 6898
norfazlinatermizi@gmail.com
Thursday, January 17, 2008
Career with CIMB Wealth Advisor
"Build a fulfilling and rewarding career with us"
CIMB Wealth Advisors seeks unit trust consultants to meet the increasing demand in financial services. Join us to create, preserve and protect wealth in this in industry today and enjoy the flexibility of building potentially unlimited income at your own time. As a member of our leading team, you can expect the following benefits:
- Great potential income
- Car loan subsidy
- Three annual incentive trips ( Asian & European Countries)
- Intensive on-ground training and support from the best in the industry (Charisma Agency & CIMB Wealth Advisors Berhad)
RECRUITMENT & CAREER DEVELOPMENT PROGRAM
Date: Every Wednesday
Time: 8:00pm to 9:30pm
Venue: Charisma Agency, Damansara Intan
For more information please don't hesitate to contact me at :
Fazlina Termizi
017 340 6898
nanaparkz@yahoo.com
Monday, January 14, 2008
Iklan- CIMB ISLAMIC GLOBAL EQUITY FUND
Do you want to invest in the world’s major markets?
Both in developed and emerging economies..
In some of the most valuable brands in the world…
And knowing you are investing in an ethical way..
No investments in alcohol, tobacco, weapons & more
If the answer is YES, then invest in CIMB Islamic Global Equity Fund today!
For more information please contact:
Fazlina
0173406808
norfazlinatermizi@gmail.com
Sunday, January 13, 2008
New Fund- CIMB ISLAMIC GLOBAL EQUITY FUND
CIMB-Principal Launches Its 1st Global Shariah-compliant Equities Fund
8 Jan 2008
Kuala Lumpur: CIMB-Principal Asset Management Berhad launched the CIMB Islamic Global Equity Fund today, its first global equity fund which complies with Shariah principles. With this fund, investors now have access to equities in numerous emerging and developed markets, thereby reducing their exposure to volatility in any single market or region.
Datuk Noripah Kamso, Chief Executive of CIMB-Principal Asset Management Berhad, said: “The CIMB Islamic Global Equity Fund offers a balanced solution that gives investment access to emerging markets while providing investors with long-term stability arising from the strong fundamentals of developed markets. The Fund’s broad diversification across Asia-Pacific, Europe, North and Latin America significantly reduces the overall volatility of the portfolio.”
Datuk Noripah explained that investors can now benefit from a globally diversified portfolio comprising long-term core investments with exposure to satellite asset classes such as the emerging markets of Brazil, Chile, Hungary, Indonesia, Mexico, Philippines, Poland, South Africa and Thailand.
Despite the anticipated slowdown in the US economy, the International Monetary Fund (IMF) recently upgraded its global economic forecasts on the strength of emerging markets, as their strong performance is increasingly a critical driver of global growth. Since 1998, GDP per capita in the emerging markets has risen 4.5% a year, twice the rate of the developed economies. Economic statistics also show that ASEAN countries and Japan have grown less dependent on the United States, with direct trade links to the world’s largest economy diminishing as a percentage of GDP.
Datuk Noripah continued: “The improving outlook in Europe and Japan is also expected to compensate for slower US growth. In Europe, improved consumer confidence and lower unemployment will continue to drive domestic demand growth, while continued integration of new member states into the European Union should fuel exports. Global growth is further supported by the economies of Latin America which have experienced 4 consecutive years of solid growth, with the region’s GDP increasing by 17.6% with an average annual growth rate of 4.3%, the second time in the past 25 years.”
The CIMB Islamic Global Equity Fund seeks to provide investors with medium to long-term capital appreciation through investments in global equities which are undervalued and have the potential for significant growth. The Fund will invest 70% to 99% of its Net Asset Value in Shariah-compliant equities listed on the stock exchanges in the emerging and developed markets of Asia Pacific, Europe, North and Latin America. The Fund will be managed by Principal Global Investors, a diversified asset management organization and a member of the Principal Financial Group®, with expertise in equity, fixed income and real estate investments. It managed US$306 billion in assets as at 30 September 2007.
Datuk Noripah concluded: “With a minimum investors can have investment access to renowned companies such as Exxon Mobil, Microsoft, Cisco Systems and Vodafone.”
The CIMB Islamic Global Equity Fund is distributed by CIMB Wealth Advisors. The initial selling price per unit will be RM0.50, and the approved fund size is 300 million units. The fund's initial offer period ends on Monday, 28 January 2008.
http://www.cimbislamic.com/index.php?ch=islam_about_news&pg=islam_about_news_oview&ac=1255&tpt=2
*For more information, please call/sms me, Fazlina (nana), at 0173406898
8 Jan 2008
Kuala Lumpur: CIMB-Principal Asset Management Berhad launched the CIMB Islamic Global Equity Fund today, its first global equity fund which complies with Shariah principles. With this fund, investors now have access to equities in numerous emerging and developed markets, thereby reducing their exposure to volatility in any single market or region.
Datuk Noripah Kamso, Chief Executive of CIMB-Principal Asset Management Berhad, said: “The CIMB Islamic Global Equity Fund offers a balanced solution that gives investment access to emerging markets while providing investors with long-term stability arising from the strong fundamentals of developed markets. The Fund’s broad diversification across Asia-Pacific, Europe, North and Latin America significantly reduces the overall volatility of the portfolio.”
Datuk Noripah explained that investors can now benefit from a globally diversified portfolio comprising long-term core investments with exposure to satellite asset classes such as the emerging markets of Brazil, Chile, Hungary, Indonesia, Mexico, Philippines, Poland, South Africa and Thailand.
Despite the anticipated slowdown in the US economy, the International Monetary Fund (IMF) recently upgraded its global economic forecasts on the strength of emerging markets, as their strong performance is increasingly a critical driver of global growth. Since 1998, GDP per capita in the emerging markets has risen 4.5% a year, twice the rate of the developed economies. Economic statistics also show that ASEAN countries and Japan have grown less dependent on the United States, with direct trade links to the world’s largest economy diminishing as a percentage of GDP.
Datuk Noripah continued: “The improving outlook in Europe and Japan is also expected to compensate for slower US growth. In Europe, improved consumer confidence and lower unemployment will continue to drive domestic demand growth, while continued integration of new member states into the European Union should fuel exports. Global growth is further supported by the economies of Latin America which have experienced 4 consecutive years of solid growth, with the region’s GDP increasing by 17.6% with an average annual growth rate of 4.3%, the second time in the past 25 years.”
The CIMB Islamic Global Equity Fund seeks to provide investors with medium to long-term capital appreciation through investments in global equities which are undervalued and have the potential for significant growth. The Fund will invest 70% to 99% of its Net Asset Value in Shariah-compliant equities listed on the stock exchanges in the emerging and developed markets of Asia Pacific, Europe, North and Latin America. The Fund will be managed by Principal Global Investors, a diversified asset management organization and a member of the Principal Financial Group®, with expertise in equity, fixed income and real estate investments. It managed US$306 billion in assets as at 30 September 2007.
Datuk Noripah concluded: “With a minimum investors can have investment access to renowned companies such as Exxon Mobil, Microsoft, Cisco Systems and Vodafone.”
The CIMB Islamic Global Equity Fund is distributed by CIMB Wealth Advisors. The initial selling price per unit will be RM0.50, and the approved fund size is 300 million units. The fund's initial offer period ends on Monday, 28 January 2008.
http://www.cimbislamic.com/index.php?ch=islam_about_news&pg=islam_about_news_oview&ac=1255&tpt=2
*For more information, please call/sms me, Fazlina (nana), at 0173406898
Friday, January 4, 2008
IKLAN KEJAP
CIMB UNIT TRUST:
ANAK BUAH CIMB GROUP
CEO DATO' NAZIR TUN ABD RAZAK
DIKOPORATKAN 17 DISEMBER 1990
DILULUSKAN OLEH BANK NEGARA MALAYSIA
ANUGERAH 2 TAHUN BERTURUT-TURUT “MALAYSIA FUND HOUSE OF THE YEAR 2006 & 2007”
DIURUSKAN OLEH PROFESIONAL MAN. OF CIMB
PLAN JANGKA MASA PANJANG MIN. 3-5 TAHUN
PULANGAN TINGGI 10-15% p.a
DANA ISLAM YANG TERBESAR DI MALAYSIA
DANA ISLAM DAN KONVESIONAL
TAX DIKECUALIKAN
E-SWITCHING PERCUMA 4KALI setahun
BENEFIT:
BONUS (UNIT)
DIVIDEN (RM)
CAPITAL GAIN
CTH: 0.55 >1.55 =1.00
KELAYAKAN:
RETIREMENT PLAN
KWSP (A/C 1 SHJ )
-MELALUI KWSP MESTILAH JUMLAH A/C 1 SEKURANG-KURANGNYA RM9000 DAN BERUMUR 25 TAHUN KE ATAS
CASH PLAN
-MIN. RM 1000
EDUCATIONAL PLAN
AUTO DEBT / REGuLAR SAVING
MIN. RM 100 SETIAP BULAN
DAFTARLAH SEKARANG....
“EVERY TIME IS THE RIGHT TIME TO INVEST”
LET’S MAKE YOUR MONEY WORK HARDER FOR YOU
SILA HUBUNGI:
FINANCIAL ADVISORS
FAZLINA 017 340 6898
UNIT TRUST 101
Salam buat semua...saya Nana berkongsi dengan anda semua tentang apa itu unit trust CIMB atau unit amanah dan kebaikannya. Selamat membaca J. Kalau ingin mengetahui lebih lanjut tentang pelaburan ini hubungi saya 0173406898.
CIMB merupakan salah satu institusi kewangan terbesar yang terdapat di Malaysia dan CEO CIMB ini adalah Dato' Nazir Tun Razak yakni anak kepada bekas perdana menteri kedua Malaysia dan juga adik bongsu kepada Timbalan perdana menteri Malaysia, Dato Najib Tun Razak. Telah di korporatkan pada 17 Disember 1990. Sebelum bergelar CIMB, dahulunya dikenali sebagai SBB Mutual. Merupakan syarikat unit trust yang pertama yang diluluskan untuk menjalankan pelaburan ke luar negara pada 1995. Seterusnya menjadi syarikat unit trust yang pertama dianugerahkan status IUTA ( Institutional Unit Trust Agents). CIMB unit trust merupakan juga adalah mempunyai dana islam yang terbesar di Malaysia. Dan yang terbaru, CIMB akan melancarkan dana baru yang iaitu Islamic Global Equity untuk pelaburan melalui tunai (cash) pada 8 Januari 2008.
Unit trust atau unit amanah ini konsepnya sama seperti ASB (amanah saham bumiputera). Yang membezakan unit trust CIMB dengan amanah saham bumiputera adalah unit amanah CIMB tidak memberikan pinjaman kepada pelabur-pelaburnya dan juga memberi pulangan melebihi amanah saham bumiputera atau lebih dikenali dengan ASB. Antara kelebihan unit trust ini adalah tiada had untuk melabur dan pulangan tinggi dari 10% - 15% dan lebih tidak seperti ASB akan memberi pulangan kepada pelabur-pelaburnya secara tetap 7% - 9% ,tetapi pada tahun ini ASB memberikan pulangan 8% dan jumlah wang pelaburan terhad yakni sehingga rm 250,000 sahaja. Selebihnya tidak akan dikira sebagai pulangan.
Unit trust ini boleh juga dikatakan pool of money ataupun tabung dana yang mana memuatkan duit-duit pelabur yang melabur di dalam CIMB. Kesemua duit para pelabur akan disatukan didalam tabung dana tadi. Pelabur-pelabur yang melabur dalam unit amanah ini terdiri daripada dua jenis iaitu secara korporat (corporat) dan perseorangan (personal). Perseorangan pula boleh dibahagikan kepada kepada tiga yakni tunai (cash), kwsp atau epf tetapi hanya akaun 1 sahaja, dan juga auto debit (auto debt). Duit-duit pelabur yang terdiri daripada syarikat dan juga perseorangan akan diuruskan oleh Professional Manager of CIMB di bawah CIMB Asset Management. Tugas Professional Manager of CIMB adalah mengagihkan duit para pelabur ke beberapa portfolio,yang mana portfolio tersebut terdiri daripada simpanan tetap (fixed deposit), bond, bursa saham kuala lumpur (KLSE), projek-projek besar kerajaan (Malaysia government sector(MGS),dan juga pelaburan ke luar negara (offshore).Antara lain-lain perbezaan unit amanah CIMB dengan amanah saham bumiputera ialah trustee. Trustee adalah badan-badan luar yang tiada kaitan dengan CIMB Group, yang memantau Professional Manager of CIMB menjalankan tugas dengan baik. Contohnyer sekiranya pelabur memilih dana islamic, trustee tadi akan memantau professsional manager melaburkan duit pelabur tadi ke tempat-tempat yang halal. Antara trustee yang yang bekerjasama dengan unit amanah CIMB adalah Amanah Raya Berhad, Arab Malaysian, HSBC, Maybank, Am Trustee, Universal Trustee dan lain-lain lagi. Trustee-trustee ini menerima arahan daripada SC (security comission) dan diluluskan oleh BNM (Bank Negara Malaysia).
Jadi proses unit amanah di bawah naugan CIMB ini sememangnya selamat. Untuk mendapat pulangan 10 – 15 % p.a , pelabur-pelabur mestilah mengikut pelan yang ditetapkan iaitu 3 – 5 tahun medium ke jangka panjang. Walaupun begitu wang pelaburan pelabur tidak akan di kunci (lock) sebelum tempoh berkenaan. Medium ke jangka panjang tadi untuk memaksimakan wang pelaburan para pelabur, melebihi jumlah wang yang dilaburkan. Sekiranya pelabur-pelabur mengikut pelan yang ditetapkan nescaya pelabur-pelabur sekalian tidak akan mengalami kerugian.
Antara faedah atau jenis pulangan yang diberikan oleh unit trust adalah dalam bentuk bonus yakni diberikan dalam bentuk unit, dividen dalam bentuk Rm, dan juga keuntungan atas modal (capital gain). Keuntungan atas modal bermaksud pulangan melebihi modal yang dikeluarkan. Sebagai contoh pelabur membeli pada harga 0.50 dan kemudiannya menjualkan nya denagan harga 0.90. Bermakna pelabur memperolehi keuntungan sebanyak 0.40 seunit.Tetapi hanya unit amanah sahaja yang mempunyai keuntungan atas modal.
Mengapa unit trust ini diwujudkan adalah kerana untuk menampung inflasi yang semakin meningkat di negara Malaysia ini. Inflasi boleh juga dikategorikan sebagai money virus, yang mana ianya mengurangkan nilai wang. Secara sedar atau tidak setiap tahun pasti inflasi ini bertambah. Harga barangan keperluan meningkat, lama-kelamaan nilai matawang ringgit malaysia ini menurun dan sedikit nilainya. Sebagai contoh harga secawan kopi 2 tahun lalu adalah rm 0.70 tetapi sekarang anda perlu membayar secawan kopi yang sama dengan harga rm 1.40. Harga telah berganda walaupun ianya sama. Secara purata kerajaan mengumumkan inflasi di kawasan bandar adalah diantara 6% berdasarkan akbar The Star pada 27 May 07.
Salam Permulaan!
Hi Semua,
Nama saya Nana atau penuhnya Norfazlina Termizi. Saya ni sebenarnya asal orang Tapah tapi sekarang penduduk tetap di Ampang.
Dalam blog saya akan berkongsi dengan semua tentang maklumat Unit Trust dan perjalanan saya sebagai Unit Trust Consultant ini.
Apa-apa pertanyaan tentang unit trust atau lain-lain boleh dilanjutkan dalam blog ini. Atau hubungi saya di 0173406898.
Selamat melabur dan selamat berhibur dalam blog saya :) .
Tuesday, January 1, 2008
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