SUSPICIOUS : Uni Gold and General Fund

[tokmat™]

okeh tokmat
tunggu rolling asb 100k duluk haha
gile betul amik loan ratus2 ribu

rolling tapi hasilnya mantap...
apa salahnya....

 

[zackman57]

Unigold fund

baiklah TT...
tolong buat kajian kes ini....

kita mulakan dengan pelaburan berjumlah RM10,000.00

tolong jelaskan semua aspek yg berkaitan dengannya.....

penjelasan TT amat sia hargai....

Pelaburan berjumlah RM10,000.00

Daily Pricing
The pricing of the funds shall be computed on daily basis. The Net Asset Value Per Unit (NAV) of the Unit-Linked fund is based on forward pricing.(as at 15 Jan 2011 is 0.6548)
The NAV is the price at which a Policyholder buys and sells the units of the chosen funds.

Premium Allocation
a) Basic Premium
The Basic Premium allocated for investment will follow the allocation rates set out in the table below. The allocated premium is used to purchase units.

From the above table, for the first policy year, RM800 will be used to purchase units, before deducting any charges. The illustration will vary according to the policy year and Basic Premium amount.

Kesimpulannya :
Rm10,000 - (rm2,000 x 40%) = RM8,800.00
(Nilai Pelaburan Tahun Pertama)

NAV = (rm8,800 x 0.6548) = 5762.24unit

Kadar keuntungan bulanan adalah minima 3.7% sebulan
(5762.24 x 3.7% = 213.2028 unit = rm146/month)

b) Single Or Regular Top-Up Premium
95% of the Single or Regular Premium Top-Ups will be allocated into investment to purchase units. For example, out of RM1,000 Top-Up Premium, RM950 will be used to purchase units, before deducting any charges.

Sum Assured Multiple Factor

Example:
Life Assured’s age is 35, Sum Assured is RM10,000 and Annual Premium is RM300. Based on the chosen Sum Assured, the premium paid will be apportioned to Basic Premium and Regular Top-Up Premium (if any) as follow:

Factor Above:
Basic Premium = Sum Assured / Sum Assured Multiple Factor
= 10,000 / 50
= RM200

Regular Top-Up Premium = Annual Premium – Basic Premium
= 300 – 200
= rm100
*Nota: Nilai Annual premium bergantung kepada Nilai Assured@Pelaburan (Lebih tinggi nilai pelaburan, lebih tinggi nilai annual premium)

The Benefits Of Uni Wealth Link
• Monthly Service Charge*
A monthly service charge will be deducted from the accounts. The amount charged is based on the mode of payment:

Insurance And Other Charges*

* The charges above are not guaranteed and may be revised by Uni.Asia Life Assurance Berhad by giving at least three (3) months written notice prior to the next policy anniversary of such revision. However, the maximum annual increment will not exceed the Malaysia Consumer Price Index (CPI) increase or any such other index used to determine consumer price increase as decided by Uni.Asia Life Assurance Berhad over the relevant period.

Fund Management Charges**
Uni Gold and General Fund :1.5% p.a. of the fund value

These management charges are accrued on a monthly basis.
**The charges above are not guaranteed and may be revised by Uni.Asia Life Assurance Berhad by giving at least three (3) months written notice. However, the maximum annual increment will not exceed the Malaysia Consumer Price Index (CPI) increase or any such other index used to determine consumer price increase as decided by Uni.Asia Life Assurance Berhad over the relevant period.

Harap kajian kes yang saya berikan mencukupi kerana ia adalah fakta dari Uniasia Life Assurance BHD, adalah dilarang membuat sebarang perubahan.

 

[zackman57]

wah wah wah
tokmat dah masuk
sapu habis tokmat hehe

saya kira dulukk

10k x 3.7% monthly x 12 bulan = 4440 setahun profit
campur 10,000 = 14440 setahun
tolak management fee - 13940

betul ke? tak kira tolak zakat lg ni dan 1.5% tu..
1.5% tu yearly ke?

kalau boleh buat loan best ni

100,000 x 3.7% x 12 = 44400 setahun profit
tolak installment loan (ikut kiraan loan maybank asb 20 thun) = 7512 setahun
44400 - 7512 - 500 = 36388
kemudian tiap2 tahun just byr loan 100k, profit 36k setahun..
kayo den kayooooo

pastu simpan dan just compounding..

p/s - kalau salah kira tlg betulkan hehe

Sangat menarik...

 

[eday84]

heh tak guna gak kira bnyk2
tak amik faktor utk NAV tu

erm klau 2.5k initial investment dan topup yearly 1000 macammana tuan tanah?

 

[zackman57]

Unigold fund

Harus diingatkan bahawa ini bukanlah skim cepat kaya atau yang sewaktu dengannya...

Kepada pelabur yang sentiasa bijak mencari peluang, buatlah kajian dengan berhati-hati dan janganlah membuat sebarang spekulasi tanpa membuat rujukan kepada Uniasia Life Assurance Bhd.

Bukan senang nak senang,
Bukan susah nak susah...

Kepada yang benar-benar berminat untuk menyertai Dana Unigold & General ini, sila PM saya. )))

Terima kasih.

 

[zackman57]

Unigold

heh tak guna gak kira bnyk2
tak amik faktor utk NAV tu

erm klau 2.5k initial investment dan topup yearly 1000 macammana tuan tanah?

OKlah tu, tambahan rm950(mengikut NAV semasa) akan terus dilaburkan..
)))

 

[eday84]

OKlah tu, tambahan rm950(mengikut NAV semasa) akan terus dilaburkan..
)))

ermm..
dlm 200 lbh gak la kan setahun

 

[zackman57]

unigold

ermm..
dlm 200 lbh gak la kan setahun

Itu nilai paling rendah. Agency akan membuat compounding keatas pelaburan tuan dan nilai profit yang diperolehi akan bertambah...
paidpaidpaid

Adalah diingatkan, NAV adalah daily basis. Setahun pelaburan menjadikan profit lebih baik dari mana-mana Institusi kewangan. paidpaidpaid

InsyaAllah....

 

[General Juhziz]

bro klu aku xmau protection bleh x???nk labur dlm fund unigold ja???aku rse membazirlah klu masuk insuran lg..cz aku dh ade takaful pruBSN

 

[tokmat™]

ada lagi thread ni ke...? :-?
dah 2 thread ni.....