Global & Local Outlook

In April, the DJIA and the tech-heavy Nasdaq embarked on a brilliant run after the G20 pledged a decisive 1 trillion U.S. dollar global rescue plan to strengthen the World’s financial architecture as well as further relaxation of the mark-to-market accounting rule by FASB that sparked the buying interest especially in the financial stocks. Adding to the buoyant mood, the first quarter earnings numbers contained no major disappointments and some even delivered outright good results (by the financial names), plus the well received reaction from the marketplace on the stress test methodology unveiled by the Treasury kept the rally rolling on. At the tail end of the month, despite the H1N1 flu pandemic had placed Mexico City as the epicenter of the outbreak, the impact of which has now spread further into many U.S. cities as well as other countries, but the U.S. key equity indices, DJIA and Nasdaq were relatively holding firmly – ending higher by 7.35% and 12.35%, respectively. Looking forward, concerns over a prolonged global economic downturn appear to be receding recently following aggressive policy measures undertaken by various governments worldwide in an attempt to galvanise economic activities. These measures are expected to reach a favourable inflection point and begin to improve when global credit conditions stabilise and downside risks to economic growth dissipate. In addition, the strenuous efforts by central banks to resolve the impasse in the banking system in the developed economies are also

Equity Market Review

After going through a gyrating first-quarter in 2009, the Kuala Lumpur Composite Index (KLCI) regained its strong footing and strengthened in tandem with its regional peers to touch a six-month high of 996.6 points in late April to register an impressive monthly gain of 13.55% following the government’s announcement of the liberalisation of the services and financial sectors. Although the local bourse eased slightly towards the tail end of the month on concerns about the impact of the outbreak of the Type A (H1N1) flu pandemic on the global economy, the domestic market performance was relatively remarkable led by financial and plantation names. However, despite the market’s rebound in April, the Malaysian market still lags other Asian markets that rallied in the last two months. Nonetheless, the Malaysian market is still showing energetic momentum and rising optimism influenced by increased fiscal spending, accommodative monetary policy and better second half outlook for 2009 as the fiscal stimulus packages have
started to filter down into the real economy. The recent announcement of the liberalisation of 27 services sub-sectors which will not be subject to the imposition of equity conditions is also seen as a positive factor moving forward.

The acquisition of Sime Darby Holdings Ramunia generally are not optimistic about the market

Kuala Lumpur on the 17th hearing) Ramunia Holdings Limited (RAMUNIA, 7206, at board of trade in services group) shares rose after a stop last Friday, dropped 5 cents to 58 cents closing. This is a sharp rally a week ago as a strong contrast, when market rumors of Sime Darby Berhad (SIME, 4197, the Main Board of Trade Services Group) will acquire oil and gas equipment in the home assembly plant.
To judge from the price fall, Ramunia Holdings Chairman and 33.1% shareholding of the largest shareholder of Zul “Aman will be required to data aziz to convince other shareholders, and Sime Darby led the transaction.

He said: “Sime Darby is the world’s largest enterprise groups, we work in its member companies is 20 percent held a major event. Ramunia Holdings is to acquire a very famous brand. We also have a sound balance sheet, which is beneficial to The. “

Sime Darby shares through its wholly-owned member of Sime Darby Engineering Sdn Bhd (Sime Darby EngineeringSdn Bhd), offer 32 million to 200 million ringgit to buy the assets of Holdings Ramunia; them to pay 46.2 million ringgit in cash, and the remaining 100 million ringgit was 85,800,000 new shares, equivalent to Sime Darby’s 20% stake in the project.

Why We Choose to Invest Unit Trust?

With the various types of investment products, in recent years, people often look for a simple, professional management of investment opportunities, investment to meet their basic needs. Here are some reasons for people to invest in unit trusts:

Children’s education

Unit trust funds, can help you pay rising costs of education for your children or grandchildren. The sooner you start the program, followed by the burden of you. In this case, the time you are the greatest allies. To educational planning more detailed information.

Home Ownership

Unit trust funds, can help you pay off your mortgage before the house or buy more to upgrade your existing house. With any plan, start early next year. A lot of brick-built castle. Go to the Home Ownership Scheme further details.

Retirement

Aging and retirement are inevitable. This is never too early to plan to retire, even if you have the comfort of the employees provident fund (CPF). You can select a comfortable retirement nest planning of the nursing homes, orchards and enjoy. Unit trust funds, can help achieve this task. To retirement schemes more details.

Cash reserves

The only certainty in life is uncertainty or unexpected emergencies. Unit trust funds, can help you set aside some cash Rainy.

How to select which Unit Trust Fund to Invest

There are many unit trusts to choose from, but to consider the type of fund or funds are most likely to meet your needs, you have to narrow your choices. The next logical step is to decide which unit trust fund investment

Checks will identify most, if not all, investors will see the performance or investment results. Unfortunately, it is impossible to forecast the future of the unit trust investment performance. This will depend on the types of funds, general market trends and investment fund manager selection.

Will provide the majority of the Fund’s performance over the last tables, usually indicates that the total rate of return since its establishment, the number of the initial investment will be worth a few years ago no longer have any income today.

You can look at the performance of the funds, but do not pay too much for one year or less attention to external factors beyond the control of the management company that may affect the results. Ideally, funds should be able to show that long-term consistent performance. Check the effectiveness of the company’s other funds, to ensure that it is not just a luck Fund. However, be warned that past performance does not guarantee that the next figure. A fund has performed well, in the past may not do so in future, and vice versa. To the Fund to compare the performance of the Fund.

Finally, do not let another type of fund you enjoy easy to take, because it produces better results than you initially select. The Fund may be more dangerous, may not be able to meet your requirements.

Notes to do so select a unit trust

Do

• Decide what type of unit trust funds, to meet your savings needs.
• Shop around and reliable unit trust company.
• Check whether the restrictions on investment income payments and frequency fit.
• Check the past track record.

Not to

• Not to select any unit trust fund, because of its good performance. In contrast, in order to ensure that funds to meet your financial goals and risk appetite.
• Do not pay too much attention to the performance of a short period of good performance over all time is the best advantage.
• Do not decide on a unit trust, but because it has a relatively low cost. Strong management of the Fund are more important.
• Not to borrow money to invest in unit trusts, unless you are absolutely aware of the risks involved.

7

Lifestyle Investment For A Lifetime Of Fulfillment

Life is a long and winding journey during which you will have many ups and downs and many questions go unanswered. What do you want to be? Where do you want to go? Where will you be when you retire? Can you get there from where you are now? Do you have a retirement plan? Do you have young children who may need your financial support later?

Everyone has to retire one day. What is your retirement plan? Take up a new hobby? Go on a world tour? Buy a vacation home? No matter what your dreams are, the ultimate question is, “Will you have the financial resources to realize your dreams?”

Education Investment For Your Child’s Bright Future

“Knowledge Is Power”. A sound education is the best gift you can give your child because no one can ever take that away. More than just opening doors to career opportunities and financial security, a tertiary education will broaden your child’s intellectual horizon.

Today, only 3%* of students who have completed their higher school education have the opportunity to further their studies in local public universities. What about the other 97%*?

Going overseas or pursuing a twinning programme or enrolling in private universities in Malaysia are among the alternatives available. The problem persists: these alternatives are extremely costly.

Personal Investment That May Turn Your Dreams Into Reality

Are you saving for a dream home or a dream vacation? A comfortable retirement or your child’s education? No matter what you are saving for, the question remains “Will you have enough money for the future?” The answer is “Yes” with the right financial planning!

Financial planning goes beyond mere numbers. It is a matter of understanding your life today and your aspirations for the future. Many people plan for their future without a strategy in place and without realizing that effective money management requires expertise.

To achieve total financial fitness, you need financial planning that combines your desires and resources to build a “road map” to achieve your financial goals. That is why mutual fund now offers you the Personal Investment, a personalized financial programme that is specially designed for you that may turn your dreams into reality!

How To Choose The Right Way To Invest In Unit Trust

Through lump-sum

Minimum lump sum investment in unit trusts are usually in a series of ringgit 500 to ringgit 2000. Although there are no restrictions on how much you can save and invest in unit trust funds, it is often desirable to spread your holdings of different funds, especially if you are a very large investment.

If you are concerned about the stock market likely to decline as you invest your lump sum, you can consider investing gradually through regular savings schemes.

Through regular savings plans

Regular Savings Plan investors will permit a month at a fixed number of unit trust funds, of their choice, from low-ringgit. This is one of the most convenient way of saving on a monthly additional investments are usually paid by bank standing instructions.

Regular Savings Plan is flexible, because it is not restricted to a particular period of time. This can improve return on unit trust funds to long-term implementation. One advantage of regular savings plans are, they even out fluctuations in unit price. The same monthly investment will buy more units at lower prices less, the price high. The impact of ringgit cost averaging, because it is the so-called, is to make the overall cost of the unit a bit cheaper. Of course, another advantage of the cash at the whole lot or in part without penalty of any business day. Regular Savings Plan can significantly improve the rate of return in the long run.

How Unit Trust Set the Price

In order to accelerate growth and enhance investor protection of the unit trust industry, the Securities Commission introduce a single-pricing system (SPR) on July 1, 2007, that is, there will be only one price – the net asset value (net asset value) per units – to quote the sale and redemption of unit trusts.

Are the United States Strategic Petroleum Reserve in order to ensure full transparency and information disclosure of upfront costs. Different from the past, the dual pricing system under which the price quoted includes fees, a single pricing regime will reflect only the net asset value (net asset value) of unit trust funds, and all costs will be disclosed. Enhance the transparency of prices and charges will allow investors to compare the cost of investing in unit trusts with a variety of distribution channels and should lead to a more competitive cost environment.

Based on this new ruling, how many units will you have the right number should you pay for your investment?

Based on this new ruling, how many units will you have the right number should you pay for your investment?

This example is only a guideline as how to calculate the assumption that the Fund’s net asset value per unit is RM0.2500 and the amount of investment in ringgit, RM5000.00.

Units credited to your account:
= Amount invested /NAV per unit
= RM5,000/RM0.2500
= 20,000 units

Service charge per unit:
= NAV per unit x Service Charge (%)
= RM0.2500 x 5%*
= RM0.0125
* assuming service charge is 5 %

Total service charge incurred:
= Service charge per unit x Units credited to investor
= RM0.0125 x 20,000 units
= RM250

Finally in progression of the above, the total amount you should pay will be:
= Amount invested + Service charge incurred
= RM5,000 + RM250
= RM5,250