Category Archives: Unit Trust / Mutual Fund

Unit Trust / Mutual Fund

Prudential PRUlink equity fund and PRUlink dana unggul (Syariah complianceEquity Fund) March 2010

Prudential PRUlink equity fund  and PRUlink dana unggul  (Syariah compliace Equity Fund) March 2010

Prudential PRUlink equity fund

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PRUlink dana unggul

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Prudential Islamic Master Prospectus dated 15 July 2009. What is Prudential Shariah Investment Guidelines?

Taken from Prudential Islamic Master Prospectus dated 15 July 2009

Download
Prudential Islamic Master Prospectus dated 15 July 2009

What is Prudential Shariah Investment Guidelines?

The Fund shall be, at all times, investing in activities and instruments that
are allowed under Shariah principles and shall not be investing in activities
and instruments that are prohibited under Shariah principles based on the Shariah
Adviser’s established parameters.

For local securities, we will first identify the securities which are Shariah-compliant
based on the list of securities approved by the SACSC or any prevailing Shariah
Authority in Malaysia. The Shariah Adviser will then review the securities we
propose to ensure that the investments of the Funds are in compliance with the
Shariah Adviser’s established parameters.

We adopt a strict selection process when investing in securities listed on
the Dow Jones Islamic Market Asia Pacific ex-Japan Index; we will internally
screen the portfolio and invest only in the securities set out in the approved
list provided to us on a monthly basis by the Dow Jones Islamic Market Asia
Pacific ex-Japan Index to ensure that only appropriate securities are bought.

When investing in securities other than those listed on the Dow Jones Islamic
Market Asia Pacific ex-Japan Index, we will provide the Shariah Adviser a list
of securities for screening purposes of Shariah compliance certification before
we make any investments for the Fund. All the necessary documents with the latest
information pertaining to business activities, financial statements and other
related information will be submitted to the Shariah Adviser for Shariah stock
screening process based on international standards and best practices.

To ensure strict compliance with Shariah requirements, this list of Shariah-compliant
securities will be submitted to the Shariah Adviser on an on-going basis, where
securities in the list will be reviewed for inclusion / exclusion from the list.
A particular security may change its status from being “Shariah compliant” to
become “Shariah non- compliant” due to certain factors such as reverse takeover,
mergers and acquisitions, which may result in that company’s business activities
to be non-compliant with the Shariah. Should a particular security become Shariah
non-compliant; the Fund shall exit its position or dispose the security within
a specified time frame as approved and determined by the Shariah Adviser.

The Fund is precluded from investing in transferable securities that comprise
but not limited to any of the following criteria:

• Companies involved in “haram”/ prohibited activities, such as interest-based
banking, gambling, alcohol etc; and

• Companies with high leverage, interest-bearing securities or accounts
receivables.

The Fund shall comply with the following investment guidelines in that, the
investments will not be made in companies whose core activities involve any
of the following:

• Conventional Financial Institutions based on Interest (Riba) or Uncertainty (Gharar);

This includes all interest-based conventional banks, finance houses, insurers,
moneylenders, investment companies, leasing companies, stock brokerages, futures
and options houses and other interest related businesses. However, these do
not include financial institutions which exclusively promote or provide Shariah
based financial services.

• Alcoholic Beverages;

This includes the production, packaging,
bottling, marketing, selling and/or distribution of liquor and related products.
Investments may not be made in production facilities (for example breweries).

• Gaming / Gambling / Casino / Games of chance;

This includes
the provision of these services and betting or comparable activities as well
as the production of the facilities and equipment.

• Pork production;
This includes the raising or selling of pork or pork-derived products and by-products,
the packaging, marketing and distribution of such products as well as slaughterhouses
and livestock farms that are involved in such processes.

• Non-halal food products;

This includes the production, sale,
packaging or distribution of non-halal food.

• Entertainment and leisure related to pornography or adult content;
This includes film producers, broadcasters, publishers, cinemas, cable-TV companies,
night-clubs and places of entertainment, record/music companies that are associated
with pornographic, X-rated or adult content. This also includes distributors
and marketers of such contents.

• Prostitution, unisex massage parlours, escort and related entertainment
services;

• Activities whose images are deemed to be offensive or contrary to
the teachings of Islam;

• Weapons and arms sector;

• Any other activities that are deemed non-permissible by the Shariah
Adviser.

For foreign securities, in addition to the unacceptable primary business activities,
there are several financial ratios that a company has to meet in order to be
qualified as a Shariahcompliant transferable security. The financial criteria
are as follows:

• Total debt divided by trailing 12-month average market capitalization
must be less than 33%;

• The sum of a company’s cash and interest-bearing securities divided
by trailing 12-month average market capitalization must be less than 33%;

• Accounts receivables divided by trailing 12-month market capitalization
must be less than 45%

Unit Trust Investment more than 20% YTD (Prudential Fund Management Berhad)

Unit Trust with Best YTD Return 2009

Unit Trust Investment more than 20% YTD (Prudential Fund Management Berhad)

Fund Performance as at July 2009

Top 2 Fund

1. PRUsmall cap with YTD return 46.19%

2. PRUglobal Emerging Markets with YTD return 43.50%


Top 2 Shariah Fund

1. PRUasia pacific shariah equity with YTD return 35.73%

2. PRUdana al-ilham with YTD return 35.19%


* Please download PRU Monthly Fact Sheets August 2009 for more info

PRUInvest Shield Malaysia. EPF (KWSP) Investment to Unit Trust. Which fund suit you?

PruInvest Shield

PRUInvest Shield. EPF (KWSP) Investment to Unit Trust. Which fund suit you?

  1. Go to PRUInvest Shield website
  2. Use the EPF Calculator to calculate how much you can invest
  3. Answer all questions to determine Risk Profiler
  4. Several unit trust fund will be suggested to you based from your profile.
  5. Then contact me for an appointment to start your investment by your EPF (KWSP) fund

* Please download PRU Monthly Fact Sheets August 2009 for more info

Contoh pengiraan pengeluaran EPF/KWSP untuk Unit Trust

 

Syarat pengeluaran

1. Hanya 20% daripada (Akaun 1 – Simpanan Asas) boleh dikeluarkan. Tidak lebih RM20%
2. Minimum RM1000
3. Hanya 3 bulan sekali

Jika anda ingin mendapatkan nasihat Unit Trust/Insurans.

Boleh email kepada saya di zetty.zahar@gmail.com . Emailkan no phone anda. Dan saya akan call anda.

Jadual Simpanan Asas Dalam Akaun 1 Mengikut umur

18 – RM1,000
19 – RM2,000
20 – RM3,000
21 – RM4,000
22 – RM5,000
23 – RM7,000
24 – RM8,000
25 – RM9,000
26 – RM11,000
27 – RM12,000
28 – RM14,000
29 – RM16,000
30 – RM18,000
31 – RM20,000
32 – RM22,000
33 – RM24,000
34 – RM26,000
35 – RM29,000
36 – RM32,000
37 – RM34,000
38 – RM37,000
39 – RM41,000
40 – RM44,000
41 – RM48,000
42 – RM51,000
43 – RM55,000
44 – RM59,000
45 – RM64,000
46 – RM68,000
47 – RM73,000
48 – RM78,000
49 – RM84,000
50 – RM90,000
51 – RM96,000
52 – RM102,000
53 – RM109,000
54 – RM116,000
55 – RM120,000

Contoh Pengiraan Kelayakan

Jika umur 22

Jumlah Akaun 1 anda ada RM4000, rujuk kepada jadual di atas, paling kurang anda perlu simpan RM5000 di dalam Akaun 1.
Oleh itu anda tidak layak untuk mengeluarkan KWSP/EPF untuk tujuan pelaburan

Jika umur 22

Jumlah Akaun 1 anda ada RM8000, rujuk kepada jadual di atas, paling kurang anda perlu simpan RM5000 di dalam Akaun 1.

RM8000 – RM5000 = RM3000
20% x RM3000 = RM600

Minimum pengeluaran adalah RM1000. Oleh itu anda tidak layak untuk mengeluarkan KWSP/EPF untuk tujuan pelaburan

Jika umur 25

Jumlah Akaun 1 anda ada RM20,000, rujuk kepada jadual di atas, paling kurang anda perlu simpan RM9000 di dalam Akaun 1.

RM20000 – RM9000 = RM11,000
20% x RM11,000 = RM2200

Oleh itu anda layak untuk mengeluarkan KWSP/EPF untuk tujuan pelaburan dengan minimum RM1000 atau maximum RM2200.

Mengapa keluarkan EPF/KWSP dan laburkan ke unit trust?

Jawapan yang mudah. Interest yang lebih tinggi.

KWSP memberi hanya 5% interest setahun.

Unit Trust paling kurang 20% setahun.

Simple matematik

A = P(1 + r)^n

Masuk RM2000 untuk 20 tahun

A = RM2000(1 + 20%)^20 = RM76,675.19

Ini adalah jumlah wang anda hanya memasukkan RM2000 sekali sehaja.
Jika anda masukkan RM2000 sekali 3 bulan atau hanya setahun sekali. Bayangkan jumlah wang anda.

Kepada ibu bapa yang menyimpan untuk anak anda. Lebih baik disimpan di unit trust.

Sejak lahir ibu bapa hanya simpan RM50 sebulan untuk anak anda.

Setahun = RM50 x 12 = RM600. Simpan sampai anak 18tahun.

Akaun Simpanan Biasa (Interest 0.25% setahun)
Pada umur 18 tahun anda mengumpul  = RM11,660.17

Unit Trust (Interest 20% setahun)
Pada umur 18 tahun anda mengumpul = RM92,844.00
Duit ini sudah cukup untuk anak anda melanjutkan pelajaran di universiti.

Mana lebih untung?

Jika anda ingin mendapatkan nasihat Unit Trust/Insurans.

Boleh email kepada saya di zetty.zahar@gmail.com. Emailkan nombor phone anda dan saya akan call anda.