Investment 101- Basic Investments that you and me should know

Throughout our life, we often found that our investment objectives do change. As for young investors like me and you who are now working and being able to generate a steady stream of income annually, capital appreciation may be more important for us. However when we are closer to our golden retirement years, risk-free fixed steady income is more important.

It is a good thing that we do know how to determine and when to change our investment objectives, but what kind of investment portfolio does matches our investment objectives time to time...

Keep read on and learn a few investments in Malaysia that i feel we should know :) 

-Annuity

-Common Stock

-Corporate Bond

-Life Insurance

-Money Market

-Mutual Funds

-Real Estate & Property

-Real Estate Investment Trust (REITs)

Amanah Saham Bumiputera

After the press release saying that thru Maybank2u.com you can buy additional ASB units, i think it is time to see what does ASB offers.

Fund Information:

Fund Name	Skim Amanah Saham Bumiputera
Type	Income
Category	Equity
Launch Date	January 2, 1990
Objective	To generate long-term, consistent and competitive returns to the Unitholders whilst ensuring the preservation of capital at minimal risk tolerance level.
Potential Investors	Those who understand investment risk and reward and expect to benefit from long-term growth of the Fund through re-investment of distribution (if any) as well as to receive regular income (if any) on their capital.
Eligibility	MALAYSIAN BUMIPUTERA
Investment Manager	Permodalan Nasional Berhad

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Transaction Information:

Price per Unit	RM1.00
Form of Investment	Investment book, Certificate
Minimum Initial Investment	Investment book-10 units
Minimum Additional Investment	Investment book- 1 units, Certificate- in multiple of 1000 units
Maximum Investment	Children Acc- 10000 units, Adult Acc- 200000 units
Approved Fund Size	UNLIMITED
Sales Charge and Redemption Charge	NONE
Payment of Redemption	On-the-Spot redemption
Cooling Off Period	None
Financial Year End	December 31

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Fund Performance- Year end December 31 06 07 08

Net distribution per unit (sen) 7.30 8.00 7.00

Bonus per unit (sen) 1.25 1.00 1.75

MAYBANK AND PNB LAUNCH MALAYSIA’S FIRST ONLINE FACILITY FOR ASB INVESTMENTS

APRIL 20, 2009.

JOHOR BAHRU - Maybank and Permodalan Nasional Berhad (PNB) today jointly launched Malaysia’s first online facility for making additional investments in ASB units. With this facility, ASB investors can top up their ASB account online via Maybank2u.com, without the need to visit a Maybank branch or Amanah Saham Nasional Berhad’s (ASNB) office. 

This new service was launched today by the Prime Minister of Malaysia, Dato’ Sri Mohd Najib bin Tun Haji Abdul Razak, after the official opening of the Minggu Saham Amanah Malaysia (MSAM) in Johor Bahru. 

Also present at the event were the Deputy Prime Minister, Tan Sri Dato’ Haji Muhyiddin bin Mohd Yassin, Menteri Besar of Johor, Dato’ Haji Abdul Ghani bin Othman, PNB Chairman, Tun Ahmad Sarji bin Abdul Hamid, its President and Group Chief Executive, Tan Sri Dato’ Hamad Kama Piah Che Othman, Maybank Chairman Tan Sri Mohamed Basir Ahmad and President and CEO Dato’ Sri Abdul Wahid Omar. 

The new service marks a milestone as it offers ASB investors the convenience of making additional investments via Maybank2u.com from anywhere in the world. Another unique feature of this service is that it accepts additional investments to third party ASB accounts, thus allowing family members or guardians to invest for their loved ones. 

Tun Ahmad Sarji said that the new service underscores PNB’s commitment towards making unit trust investment accessible to all. “The digital generation is comfortable with using the internet for all manner of transactions, so this step is timely in capturing the evolving needs of a new generation of Malaysians. We’re happy that Maybank is willing to work with us to achieve that goal.” 

Tan Sri Hamad Kama Piah said that going online was part of PNB’s ongoing effort to fulfill its mandate. “We take our socio-economic objectives very seriously and providing an online service for investment was a logical step to take. We had the same objective in mind when at our own cost we computerised the Post Office back in the 1980s, so that Malaysians could invest no matter how remote the location. We want to achieve an investment savvy society, and reducing the barriers to investment is a key component of that goal.” 

“So we are very honoured to have the YAB Prime Minister launch this service at MSAM, because it is part and parcel of the same strategy, our “ White Ocean ” strategy of achieving social goals through value innovation. Value innovation here is to continuously create value for our investors by always moving forward with our products and services. MSAM contributes by providing a platform for information and education on financial planning and investment, and at the same time showcasing the technologies made available by service providers that can make investment less time-consuming and complicated. Through the exhibits and the myriad activities we have planned for this week, we want to make sure that Malaysians, especially our youth, have the knowledge and facilities as well as every opportunity to plan for their own financial freedom.” 

Meanwhile, Tan Sri Mohamed Basir said that the new service will appeal to those who are technologically inclined as well as encourage other investors to become more savvy by leveraging on technologies for their investment needs. 

“We are pleased to work with PNB to offer this innovative alternative for investors to increase their ASB investments,” he said. “Given the continuous interest in ASB unit trusts among the public, this new service will certainly reinforce Maybank’s leadership in online banking for which we command over 54.8% of market share today.” 

Maybank President and CEO, Dato’ Sri Abdul Wahid Omar said, “The introduction of this service offers an efficient and safe electronic payment alternative as investors do not need to travel to PNB agent offices or carry cash when making additional investments. They also do not need to queue or wait to be served at the counter. They are not restricted by locality to invest and can even ask their loved ones to do for them.” 

“Maybank offers the largest network of over 380 branches where the public can make investments in its ASNB stable of unit trusts and we will work with ASNB to provide even more valued added services to investors in the future,” he added. “Our users have benefitted tremendously from Maybank2u.com which today offers an array of services, including payments to the largest number of payee corporations which number 700. Business partners on the other hand, benefit from our large customer base of over 3.6 million internet banking users.” 

Investors who wish to use the online service must register as a Maybank2u.com customer and have an active ASB membership number. The investor is only required to enter the ASB membership number, a security Transaction Authorisation Code (TAC) and select his savings or current account to pay for the additional purchases. All successful transactions can be printed for record. 

The minimum investment amount is RM1 and the maximum is RM200,000 subject to the investor’s purchase limit and funds available in the customer’s savings/current account. The new service currently only allows for additional investments and in this first phase is available online from 12.01 am to 5 pm ( Federal Territory working days). Those who wish to view their investment status or make withdrawals are still required to go to any Maybank or ASNB offices.

CIMB-Principal China Recovery Structured Fund (Part 2)

This is the breakdown of the CIMB-Principal China Recovery Structured Fund

Fund type	Structured Product/ Income
Investment Manager	CIMB- Principal Asset Management Berhad
Launch Date	20 April 2009
Fund Size (units)	300 million units

Distribution Policy

Subject to the availability of income for distribution, the Manager aims to make annual distributions. The distribution will be declared on the last Business Day of the financial year-end or such other later date as the Manager will determine from time to time (each a “Distribution Period”).

Investment Time Horizon	5 Years

Initial Investment 

Minimum RM10,000 or multiples thereof, or such amounts as the Manager may from time to time decide. Please note that investment is only accepted during the Offer Period.

Additional Investment 

Minimum RM10,000 or multiples thereof, or such amounts as the Manager may from time to time decide. Please note that additional investment is only accepted during the Offer Period.

Redemption / Withdrawal

20,000 units or multiples thereof, or such amounts as the Manager may from time to time decide. You need to keep a minimum balance of 20,000 units or such amounts as the Manager may from time to time decide. There is no restriction in the frequency of withdrawal.

Cooling-Off Period

You have six (6) Business Days after your initial investment (i.e. the date the application is received by CIMB-Principal Asset Management) to reconsider its appropriateness for your needs. Within this period, you may withdraw your investment at the NAV per unit on the day the units were first purchased and have the Application Fee repaid. Please note that the cooling-off right is only given to an investor who is investing with CIMB-Principal Asset Management or any Approved Distributor for the first time. However, corporations/institutions, CIMB-Principal Asset Management’s staff and person(s) registered to deal in unit trust of CIMB-Principal Asset Management or any Approved Distributor are not entitled to the cooling-off right.

Annual Fee

  Application Fees: Fixed at 1.5% of the Initial Offer Price per unit

  Management Fee: Nil

  Trustee Fee: 0.08%* per annum of the NAV
 
  * Subject to a minimum fee of RM18,000 per annum

Switching Fee

No switching facility is available for this fund. Hence switching fee is not applicable.

Campaign

Early Bird Promotion* : Invest between 20 April - 8 May 2009 and enjoy 2% p.a. interest.

Bundling with CIMB-Principal Greater China Equity Fund.* 

Enjoy a low sales charge of 2.5% for investment into CIMB-Principal Greater China Equity Fund.

 FREE limited edition Royal Selangor Tumbler* for every RM50,000 investment.

* Terms and conditions apply.

CIMB-Principal China Recovery Structured Fund

Today CIMB officially launches the new structured product namely CIMB-Principal China Recovery Structured Fund.

Story write up taken from Bernama

KUALA LUMPUR, April 20 (Bernama) -- CIMB-Principal Asset Management Bhd expects its newly-launched fund, CIMB-Principal China Recovery Structured Fund, to provide higher returns than the current fixed-deposit rate despite uncertainties in the global markets.

Chief executive officer J. Campbell Tupling said the fund rides on China's economic recovery.

"Sentiments in China are slowly improving with its US$585 billion stimulus plan. Positive developments are visible in major sectors encompassing infrastructure, housing, innovation, health and education.

"This will enable China to chart high growth potential," he said at the launch of the fund.

Tupling said the fund has an approved fund size of 300 million units with an initial offer price of 50 sen per unit.

He said at least 95 per cent of the fund's net asset value will be invested into China's recovery structured product while the remaining in liquid assets.

"The fund aims to provide investors with regular income over the tenure of the fund and may potentially provide higher returns than the current fixed-deposit rate," he added.

Minimum investment for the fund is RM10,000. The fund is open for investment for 45 days and closes on June 3.

-- BERNAMA

Amanah Saham Malaysia

Since tomorrow the ASM will be on sale, i think i shall start with what is ASM :)

FUND INFORMATION

Fund Name	AMANAH SAHAM MALAYSIA (ASM)
Type	Income
Category	Equity
Launch Date	April 20,2000
Objective	To provide Unitholders with a long-term investment opportunity that generates regular and competitive returns through a diversified portfolio of investments.
Potential Investors	Those who understand investment risk and reward and expect to benefit from long-term growth of the Fund through re-investment of distribution (if any) as well as to receive regular income (if any) on their capital.
Eligibility Malaysian	Akaun Dewasa (18 years and above) Akaun Bijak (18 years and above as Guardian for minors age 6 months old and above but below 18 years)
Investment Manager	Permodalan Nasional Berhad

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TRANSACTION INFORMATION

Price per Unit	RM 1.00
Form of Investment	Investment book
Minimum Initial Investment	Investment book - 100 units
Minimum Additional Investment	Investment book - 1 unit
Maximum Investment	Unlimited, subject to availability of units of the Fund
Approved Fund Size	7.7 billion units
Sales Charge	None
Redemption Charge	None
Form of Investment	Investment book
Payment of Redemption	On-the-spot
Cooling-off Period	None
Financial Year End	March 31

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FUND PERFORMANCE

Year End 31 March	2005	2006	2007
Net Distribution per unit (sen)	7.20	6.75	6.80

It's all about ASNB

AMANAH SAHAM NASIONAL BERHAD (ASNB), is the Management Company of ASN, ASN 2, ASN 3, ASG Pendidikan, ASG-Kesihatan, ASG-Persaraan, ASB, ASW 2020, ASM and ASD, a wholly-owned subsidiary company of Permodalan Nasional Berhad (PNB).

ASNB was established on May 22, 1979 , to manage the unit trust funds launched by PNB. Having been in the industry for more than 25 years, ASNB has confirms to maintain its position as a leading unit trust manager, controlling more than 40% of the total units in circulation.

We are a premier investment organisation committed to enhance the economic wealth of the Bumiputera community in particular and contribute towards the growth and prosperity of the nation for the benefit of Malaysians.

Here are the NAV of the Unit Trusts managed by ASNB

TODAY'S PRICE :20 APRIL 2009

Fund	NAV(RM)	Service Charge(%)	EPF Charge(%)
ASN	0.5927	5.00	-
ASN 2	0.8667	5.00	3.00
ASN 3	0.9199	5.00	3.00
ASG-Pendidikan	0.7948	5.00	3.00
ASG-Kesihatan	0.8120	5.00	3.00
ASG-Persaraan	0.8430	5.00	3.00
ASB	1.0000	-	-
ASW 2020	1.0000	-	-
ASM	1.0000	-	-
ASD	1.0000	-	-