Amanah Saham Nasional (ASN) - aplikasinya

[ikeda]

Keuntungan gold cuma jika ada berlaku Jual beli. Jika emas d simpn shj tnpa jualbeli mana ada untung? Lg malang jika d simpn tnpa kluarkn zakat harta. Jika nav asn below 0.6000, its the time to sell gold & buy asn. Untung asn yg byk kelak boleh la beli gold semula.

Mmg ada komen sy tntg loan 200k asn pd page2 awal tread ni. Pembetulan ady, sy tak buat personal loan utk labur dlm asn, sebaliknya sy buat loan asn 200k dgn maybnk. Sama kaedh mcm loan asb oleh mbb skrg ini.

Gold Must ada jual beli,,,
Gold
Asb/asw/asd/dll
TH
B.RAKYAT,KPF,BPS1N
ASB / LASB
ASN
UT SWASTA
PROPERTY

kesemua di atas adalah kategory yang mempunyai ciri unik masing masing..
Gunakan peluang peluang di atas for your optimum return..

 

[ikeda]

ekonomi skang ntah sempat pickup rege sehinggit atau hanya impian

To achieve 1.0 adalah target to FLUSH semata-mata..
Nav jatuh adalah fokus utama saya,,dan juga dividen..

Bila NAV jatuh,,peluang anda utk get higher ROI teramat tinggi,,disamping difiden yang amamm.

Than!

 

[zam4ever]

Re-upload old file.

cheers

 

[gelygeleman]

Gold Must ada jual beli,,,
Gold
Asb/asw/asd/dll
TH
B.RAKYAT,KPF,BPS1N
ASB / LASB
ASN
UT SWASTA
PROPERTY

kesemua di atas adalah kategory yang mempunyai ciri unik masing masing..
Gunakan peluang peluang di atas for your optimum return..

betul tuan

 

[gelygeleman]

Antara bbrpa perbezaaan antara Saham Amanah, Emas, UT, hartanah & aset;

ASN - keuntungan modal, beli ketika klci merudum, simpanan yg slmat dlm buku/sijil, jualbeli cpt, harga turun naik terkawal, keuntungan dividen tetap
EMAS - keuntungan modal berterusan, beli ketika carta emas rendah, ada risiko menyimpn & ada kos simpnan d safebx (fizikal), harga turun naik terkawal, tiada keuntungan dividen,
ASB - keuntungan dividen tetap, beli bila2 masa sahaja kerana harga unit tetap
PROPERTY - peningkatan harga (keuntungan modal) hampir berterusan, pulangan melalui sewa bulanan, property di prime area semakin terhad & harga meningkat pada masa depan
UT - peningkatan modal (capital), pulangan dividen bergantung kepada prestasi saham,
KERETA - keperluan utk mmbntu mencari rezeki, lambang kemewahan/status seseorg, susut nilai yg banyak

 

[zam4ever]

Tadi selepas berbuka, berjumpa dgn kawan lama, dan bercerita tentang isu-isu pelaburan dan peleburan duit di unit trust. Macam biasa, ada yang kata menyesal tak buat switching, menyesal tak beli kow-kow emas bulan lepas, ada yang belanja semua member2 sebab jual pegangan UT dkt dana-dana tertentu dan buat keuntungan X%, dan macam-macam lagi. Tapi, ada satu soalan mudah yang dibincangkan, tetapi tiada jawapan yang mutlak. Diharap semua orang dapat membantu.

Soalannya ialah, kenapa majority unit trust (tak kisah lah, pnb, public, cimb, etc) mengenakan sales charges antara 5.0 - 5.5% to current NAV jika cash purchase, dan 3.0 - 3.5% untuk investment through EPF. Kenapa tidak 1%, 2%, 3% jika menggunakan cash, atau terus 0%. Adakah ianya arahan drpd pihak kerajaan untuk nilai % sales charge tu, kiranya regulation by gov?

Please advices.

 

[techtoon82]

Tadi selepas berbuka, berjumpa dgn kawan lama, dan bercerita tentang isu-isu pelaburan dan peleburan duit di unit trust. Macam biasa, ada yang kata menyesal tak buat switching, menyesal tak beli kow-kow emas bulan lepas, ada yang belanja semua member2 sebab jual pegangan UT dkt dana-dana tertentu dan buat keuntungan X%, dan macam-macam lagi. Tapi, ada satu soalan mudah yang dibincangkan, tetapi tiada jawapan yang mutlak. Diharap semua orang dapat membantu.

Soalannya ialah, kenapa majority unit trust (tak kisah lah, pnb, public, cimb, etc) mengenakan sales charges antara 5.0 - 5.5% to current NAV jika cash purchase, dan 3.0 - 3.5% untuk investment through EPF. Kenapa tidak 1%, 2%, 3% jika menggunakan cash, atau terus 0%. Adakah ianya arahan drpd pihak kerajaan untuk nilai % sales charge tu, kiranya regulation by gov?

Please advices.

sales charger utk membayar unit trust consultant, fund manager, insuran dan team yg manage unit trust tu. Diorang ni buat keja cari saham mana yg patut dilaborkan. hari2 mengadap mnatang ni ja

 

[gelygeleman]

sales charger utk membayar unit trust consultant, fund manager, insuran dan team yg manage unit trust tu. Diorang ni buat keja cari saham mana yg patut dilaborkan. hari2 mengadap mnatang ni ja

Diorg ni hari2 ngadap komputer tapi lebih pakar FB dari UT

 

[zam4ever]

Diorg ni hari2 ngadap komputer tapi lebih pakar FB dari UT

Thanks techtoon and gelygeleman,

Bahaya juga ini, dibuatnya market signal tunjuk petunjuk buy, mereka ter sell, market signal tunjuk petunjuk sell, mereka ter buy. Gara-gara ter trade waktu ter chat via FB.

cheers

 

[gelygeleman]

Property is simpanan harta yang merely like gold iaitu kalis inflasi..
Ut or bond,,adalah tempat buat duit secara part time,,hanya sedikit sahaja effort yang diperlukan,,berbanding dengan property...

Cuba kita lihat pasaran property di Japan yang sudah tidak mengalami kenaikan harga..dan baru baru ink di us pun terjadi benda yang sama...

Selagi pendapatan minima Malaysia masih di takuk lama,,,ada kemungkinan kemampuan akan membatasi kelayakan memiliki,,,,market shrink..

Sekadar pandangan sahaja.

Ya, jpn sbuah ngara yg tlh mghadapi property bubble. Apakah yg d mksudkn dgn property bubble? Adakah ciri2 property bubble tsb telah ada d Msia? Selagi pemaju boleh mnjual habis semua unit rmh or kdai d show room sblm mula mmbinanya, masih jauh utk property bubble berlaku. Di bwh di jelaskn apakh yg dkatakn property bubble :

The end of a property bubble is characterised by a strong downward correction in prices in all locations. This occurs when prices have reached a level where it is not supported by underlying fundamentals such as the level of affordability among most buyers and the dynamics of supply and demand.

When a property bubble is forming, buyers will be enjoying asset inflation, which in turn improves disposable income and purchasing power. However, when the bubble bursts, a strong negative spiral effect will emerge, with erosion in disposable income and purchasing power. At the same time, is will also heighten the level of loan defaults and cause non-performing loans ( NPL ) to rise. This*will put pressure on the finacial health of banks. In the worst case, a banking crisis could be emerge. The ingredients for a property market are a hot property market; corrections to country's economy where people start to lose their jobs and the tenants are hard to find; sharp increases in interest rates and financing becomes difficult to obtain.

A property bubble can also be formed if there is excessive lending group of investors. This is a situation of irrationality where speculators borrow large amounts thinking that prices will keep risiing. At the peak of such speculative activities, prices will eventually come down because these investors do not have holding power. Excessive lending can occurs when aggressive competition among financial institutions leads to lower underwriting standards. This increases the risk of delinquency, or an increase in NPL , when the interest rates of the cost of living goes up.

A significant increase in NPL will ultimately cause property prices and rents to fall. This means the security offered for the loans goes down and the possibility of loan defaults increases when there is lower or no rental income. Such a situation worries financial institutions, which wiill "chase" borrowers, some of whom would be forced to sell off their pproperties.