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[Accesories & Hobbies]
CIMB Unit Trust @ CIMB Dana Amanah
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Originally posted by ryani83 at 28-10-2008 11:29 AM 
salam..
nk tanye, mcm sy ni blum pun ade simpanan tetap lg.. duit gaji abis tuk byar utang je.. tp tringin gak la nk menyimpan n melabur..
ade cara ke? kalau utk byar setiap bulan 100 tu ma ...
Maaf yer sebab saya lambat reply.Sibuk sangat dalam seminggu ni.Tahniah sbb ryani ada kesedaran utk menabung melalui CIMB Weath Advisors.Untuk pengetahuan ryani,permulaan utk melabur dgn CIMB ni RM500 sahaja.Lepas tu terpulang nak buat simpanan bulanan atau tidak.Utk setiap minimum pertambahan seterusnya adalah RM200.
Jika ryani rasa RM500 utk buka akaun tu berat,cuba setiap bulan asingkan RM100.Anggap yg cik ryani dah mula melabur.Cukup RM500 boleh lah hubungi saya atau pun mana2 consultant yang tersenarai di muka hadapan sekali. |
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Originally posted by eysee at 28-10-2008 04:45 PM
nasihat ikhlas dari saya, kalau belum ada simpanan dan baru belajar nak menyimpan, buatlah simpanan/investmen yang dijamin selamat atau risiko yang paling sedikit.
Masuklah dalam ASB ke yang ca ...
Betul tu eysee.Kalau nak melabur dalam unit trust ni kena medium to long term iaitu 3-5 tahun.Namun begitu nak redeem bila2 masa pun boleh.Cuma masa nak redeem tu sesuai ke tidak.Jadi fungsi konsultant adalah untuk monitor pelaburan yang dibuat oleh pelabur. |
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Originally posted by mohaz69 at 2-11-2008 02:33 PM
high risk high return..think about it..
Namun begitu unit trust adalah satu pelaburan dimana risiko dapat dikawal. |
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ummm...saya berminat dalam pelaburan dalam bentuk unit amanah ni...hehehehe
memang bagus klu simpan dalam unit amanah..
stail macam simpanan jeger..
tapi pulangan lebih sikit daripada simpanan bese..
aku galakkan korang melabur dalam unit trust..
tak kesah la dalam mana2 pun.. |
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Sama macam aku
Originally posted by syafali at 11-8-2008 09:18 PM 
Aku x boleh komen lebih2 pasal hal ni sebab aku pun penah menyamar jd client dan berkunjung ke booth PM.The same thing happen to me as well.Terpulang pada diri utk menjaga etika.Dan saya ra ...
Sama macam aku jugak. Aku pun selalu juga buat homework melalui penyamaran, pegi booth Public Mutual, last2 diorang kutuk dan caci company CIMB, takde sebab lain selain nakkan sales je. Dasar bangsat bacul dan pengecut, consultant macam ni kat mana2 company pun ada, sampah masyarakat, so please jangan duk generalizekan.
[ Last edited by Robertoz at 3-11-2008 11:09 PM ] |
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Originally posted by Robertoz at 3-11-2008 07:15 PM 
Sama macam aku jugak. Aku pun selalu juga buat homework melalui penyamaran, pegi booth Public Mutual, last2 diorang kutuk dan caci company CIMB, takde sebab lain selain nakkan sales je. Dasar ...
Hmmm...rasanya topik ni tak perlu dibangkitkan lagi.Yang penting kita profesional dan niat kita ikhlas nak tolong client.Setakat nak caci company lain,itu bukan etika kerja yang bagus.Be proud of yourself n your company. |
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Seperti dalam pesanan dari FMUTM di corong2 radio ..
"Beli unit amanah masa kita muda dan jual semasa kita tua... Saya nak telefon konsultan unit amanah saya sekarang juga " |
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Hi,
Leh include my name in CWA list..
nur diiyana
Email:diey_sm@yahoo.com
Location:Klang, KL, Shah Alam
Harap agent2 yg lain leh bagi tunjuk ajar ye  |
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Tq...i dah update nama u kat page depan.Sorry sebab lambat reply..sibuk. |
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Power Shifts: The Impact on Southeast Asia
SINGAPORE, Nov 27– Less than two months before Barack Obama enters the White House, America's intelligence community last week gave the President-elect an assessment of what the world might look like in 2025.
It is a sobering picture, one in which the United States will lose its dominant position, and where rapid population growth and climate change will put energy, food and water resources under extreme pressure, and technology proliferation will offer terrorist groups opportunities to conduct mass attacks.
The emerging multi-polar system will be prone to instability as China, India and Japan jockey for influence, markets and energy resources. This means that America's current role as regional balancer will be of greater importance than it is today, even as US power declines.
The report, Global Trends 2025: A Transformed World, was prepared by the National Intelligence Council (NIC), which provides US decision-makers with medium- and long-term assessments of critical global drivers and scenarios. The report draws on expertise from the US intelligence community, as well as academicians and experts from the US and across the world.
Southeast Asia does not figure prominently in the report, which focuses on more troubled areas such as the Middle East, Central Asia and Sub-Saharan Africa.
Yet, despite only occasional references to Southeast Asia, the trends the NIC identifies will exert a profound impact on the region.
The single most important factor is anticipated changes in Asian geopolitics. The NIC forecasts that by 2025, the current US-dominated unipolar system will have been transformed into a truly multi-polar one.
The catalysts of this transformation will be the rise of China and India, an increasingly globalised economy, and an accelerated shift in economic power from the West to the East. The US is likely to remain the most powerful country in the world, but its economic and military power will have been eroded.
By 2025, China and India will have become Asia's two main powerhouses.
China will be the world's second-biggest economy, a leading military power, the largest importer of natural resources and an even bigger polluter than it is today.
Instead of emulating Western models of democracy and free markets, developing countries may be increasingly attracted to Beijing's state-centric model.
India will be the world's third-largest economy, with greatly enhanced military capabilities. Its partnership with the US will strengthen as a hedge against China, but New Delhi will eschew a formal alliance with Washington.
The outlook for Japan is less rosy. Its shrinking workforce and declining tax revenues will see the country become an "upper middle rank power".
The report also predicts that Tokyo, threatened by China's growing military power, will either move closer to America or accommodate itself to China's regional primacy.
The emerging multipolar system will be prone to instability as China, India and Japan jockey for influence, markets and energy resources. This means that America's current role as regional balancer will be of greater importance than it is today, even as US power declines.
The evolving relationship between China and India could pose severe challenges for Asean. The report anticipates that Chinese and Indian strategic concerns over sea-lane security and access to energy resources will fuel a naval arms race.
Sino-Indian naval rivalry will likely be played out in the Indian Ocean and Southeast Sea, and in South-east Asia's strategic maritime chokepoints, especially the Strait of Malacca.
China's insatiable demand for energy resources will bolster Beijing's interest in exploiting ultra-deep offshore energy fields. This could raise tensions between China and certain Asean countries over their respective territorial claims in the South China Sea. Ominously, the report suggests that an increasingly powerful and nationalistic China may demand more deference from its Southeast Asian neighbours.
On terrorism, the NIC paints a mixed picture. It predicts that the threat posed by transnational terrorist groups such as Al-Qaeda and Jemaah Islamiah will have diminished by 2025. Nonetheless, descendants of these groups will survive and could obtain nuclear or biological weapons.
Terrorists may also look to disrupt the world economy by targeting Southeast Asia's sea lanes.
The impact of climate change on South-East Asia by 2025 is likely to be severe. Water scarcity will hit agricultural production, and could result in increased migration to Australia.
The melting of the Arctic could open ice-free shipping lanes along the Northwest Passage during the summer as early as 2013. Significantly shorter shipping distances between the North Pacific and North Atlantic will be a boon to China, Japan and Korea, but will be a major blow to ports in South-East Asia, especially Singapore.
On the brighter side, water scarcity should enable Singapore to cash in on its leading position as a provider of clean-water technology.
When it comes to Asian regionalism, the report is surprisingly positive.
It lauds the Asean Plus Three process, involving the 10 Asean states, China, Japan and South Korea, as a remarkable pan-Asian venture which could facilitate greater economic integration, insulate the region from global financial turmoil and give East Asia "greater representation at the global table".
Asian regionalism could also help bridge historical animosities and engender a new sense of regional community.
If the report proves correct, Southeast Asia will need to harness that community spirit by 2025 if it is to meet the challenges posed by a world transformed.
– Straits Times |
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nk tanya agen agen...cimb ni bleh jd mcm bank citigroup yg kt u.s nak bnkrup...takut jgk kan..lebur je duit.. |
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Originally posted by mohaz69 at 30-11-2008 09:51 PM
nk tanya agen agen...cimb ni bleh jd mcm bank citigroup yg kt u.s nak bnkrup...takut jgk kan..lebur je duit..
Kalau CIMB tutup pun,duit client tak hilang sbb ia diamanahkan kepada pemegang amanah utk setiap dana.CIMB WA cuma menolong client utk mendapat keuntungan sebanyak mungkin sepanjang tempoh pelaburan. |
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The coming of age of Islamic structured products.
Malaysia's structured products market is benefiting from the development of a liquid Islamic capital market.
Islamic finance is coming of age. Today, for the first time, Islamic structurers in Malaysia and the Middle East are starting to create new financial products and infrastructure from scratch ?developments that do not simply wrap their conventional counterparts in a Shar抜ah structure but which are Islamic from start to finish.
Already this year, in its effort to develop a wholesale Islamic capital market, Malaysia抯 Syariah Advisory Council has approved a Shariah-compliant commodity exchange and it has also given the go-ahead for securities borrowing and lending, which will support the creation and redemption of Islamic exchange-traded funds, or ETFs. The first Islamic ETF was launched in January this year.
A broad universe of Shariah-compliant underlyings is particularly significant for the structured products market, and most of all for equities structurers. Shariah-compliant underlyings often have no volatility market, which makes it difficult for providers to manage their risks, and they are typically illiquid, expensive and difficult to access.
Fixed-income structurers have an easier time of it. The increasing popularity of Islamic bonds has given them more to work with and, in fact, sukuk issuance is now starting to spread outside the Islamic world as borrowers learn to appreciate their value as a way to access new markets. A German state recently issued a sukuk and the UK is also considering one.
But the conventional structured products market in Asia is overwhelmingly dominated by equity and this is where the greatest development in Islamic products is focused.
It has taken a long time to get to this stage. Norfadelizan Abdul Rahman, the head of product development at Bursa Malaysia, describes the evolution of Islamic finance this way: adoption, conversion and, today, genuine architecture. In the past, most Shariah product innovations were focused on adoptions ?the study of conventional products and their Shariah justifications for use in the Islamic space,?he said at a recent forum on Shariah structured products in Kuala Lumpur.
The adoption phase led to the approval in Malaysia of warrants, crude palm oil futures and preference shares, starting in the mid-1990s. This process also allowed 85% of all companies listed on the stock exchange to be approved as Islamic stocks.
The next level of development involved taking conventional products that were not suitable under Shariah law and coming up with ways of converting or replicating them. Back in 1998, Islamic financiers created Shariah-compliant stock index futures and, more recently, Islamic real estate investment trusts and ETFs.
The global economic slowdown has affected Islamic markets as well, but Malaysian investors in general have not shared the bad experiences of structured product investors in Hong Kong and Singapore.
Malaysia is protected in a sense, given the regulatory structure,?says Angeline Ong, head of structured products at Citi in Malaysia. Malaysia has been sheltered from cases like the Lehman minibonds and so on ?most of our products are quite conservative in nature and principal-protected by banks in Malaysia. However, some investors in equity and commodity products are expecting zero returns, so they are experiencing something of what the clients in Singapore and Hong Kong are going through, but to a much lesser extent.
Malaysian investors buy structured products in a variety of forms. Direct investment in derivatives-based products has only been allowed since 2005 and is still restricted to rich investors. The minimum investment size is either M$250,000 ($70,300) or M$100,000, though the lower figure is only for so-called qualified high-net-worth individuals.
The first generation of Malaysian structured products will mature in the first half of next year, so it will be interesting to see the final performance of such products and how this will impact the market and investor sentiments,?says Aida Mastura, head of investor sales at Citi Malaysia.
Regular investors cannot buy structured products directly. Instead, they must buy them through structured deposits, which have a minimum investment amount of M$100,000, or through funds, which have been allowed to invest in structured products only since May 2006.
Structured deposits, which the securities commission prefers to call floating-rate negotiable instruments of deposit, are the biggest part of the market by far, making up about two-thirds of the total.
In the Middle East, Islamic structurers often rely on a form of benchmarking that is wrapped in an agreement called a wa'ad, whereby the bank promises to buy a portfolio of Shariah-compliant equities from the investor, plus a profit that is benchmarked to a conventional call option.
Even though these structures look very similar to their conventional cousins, they still present unique challenges for structurers. Shariah-compliant products are more expensive because there are more fees built into the structure ?such as the cost of the extra legal work and the cost of getting scholarly sign-offs ?and bid-offer spreads are much bigger on Shariah-compliant underlyings.
But one of the biggest problems is volatility. You find with Islamic stocks that volatility is quite high, which means that to offer products with an Islamic underlying I need to be able to manage my risk,says Chaudry. But there is no volatility market.
RBS's solution is to manage the underlying at a fixed level of volatility by adjusting the exposure to it;for example, the investor is 100% exposed to the underlying when it is trading at the target volatility level and reduces his exposure when it is higher.
As the products and techniques on offer are becoming more sophisticated, so too are Malaysia investors, but, even so, the structured product market is still in its infancy. The country savings rate is 36% of its gross national product and even higher in the Islamic market.
Islamic banks have too much cash and not enough assets to buy into,?says Lee Kok Kwan, head of treasury at CIMB. There is always a lot of liquidity on the deposit side.?
This is one of the principal motivations for Malaysia to develop its Islamic capital market ?to provide a way for all these deposits sitting in Islamic banks to find a productive use in the economy. The creation of new Islamic underlyings and a greater diversity of products should certainly help in that effort.
Article by Nick Ferguson
Finance Asia, 15 December 2008
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cimb unit trust dgn agen lain ke ngan cimb unit trust yg kat cimbclicks tu..yg kite boleh buat transaction sdiri tu?
apa beza dia? |
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Originally posted by linsyah at 6-1-2009 10:59 AM 
cimb unit trust dgn agen lain ke ngan cimb unit trust yg kat cimbclicks tu..yg kite boleh buat transaction sdiri tu?
apa beza dia?
Terima kasih kerana ajukan soalan ini.Ok,untuk pengetahun linsyah dan semua,perbezaan nya adalah dari segi sales charges di mana sales charges yang dikenakan oleh cimbclicks 2.5% manakala melalui konsultant adalah 6.5%.Lagi satu anda kena monitor sendiri pelaburan anda,jika dengan konsultant,anda akan mendapat khidmat nasihat dan juga pemantauan pelaburan oleh konsultant.
Kalau anda mahir dan berpengetahuan mengenai dana2 CIMB,anda boleh gunakan cimbclicks sahaja.Jika tidak,lebih baik melalui konsultant.
Tepuk dada,tanya selera. |
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tq syafali..
maknanya fund2 yg ada kat cimbclicks adalah beza ngan fund2 yg dikendalikan oleh consultant? |
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Originally posted by linsyah at 7-1-2009 12:43 AM
tq syafali..
maknanya fund2 yg ada kat cimbclicks adalah beza ngan fund2 yg dikendalikan oleh consultant?
Fund2 yg ada di cimb clicks dikendalika juga oleh konsultant CIMB WA.Cuma tak semua fund yg kami kendalikan di jual di CIMB Clicks. |
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Category: Shop Online/Classified
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Author
.Saya pertama kali dengar kes macam ni.Boleh pm saya siapa agen tu?Pelaburan dijamin untung jika anda stay for 3-5 years.:victory:
Post time 3-11-2008 03:47 PM
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