Lowyat.NET: Latest topics by ejleemy

Protected Whois

ejleemy — Fri, 07 Sep 2007 15:39:45 +0800

Hey guys, I have a question. Say I plan to register a domain and wish to protect my identity when people run a /whois, how can I do about it ? Is there any charges for that kind of service ?

Public Mutual Promotion Update (September)

ejleemy — Mon, 03 Sep 2007 12:05:27 +0800

Special Promotional Service Charge Rate of 5.45% on EPF Extended until 28 September 2007

Eligible funds :-
1. Public Regular Saving Funds (PRSF)
2. Public Index Fund (PIX)
3. Public Islamic Balanced Fund (PIBF)
4. Public Islamic Dividend Fund (PIDF)

Bursa Pursuit

ejleemy — Thu, 30 Aug 2007 10:16:24 +0800

29 Aug 2007
BURSA MALAYSIA AIMS TO ENGAGE WITH YOUNG INVESTORS THROUGH NEW RETAIL PROGRAMME

Up to RM500,000 to be won in Bursa Pursuit virtual stock challenge

Bursa Malaysia today launched a retail programme aimed to expose, engage and educate the young generation on looking at the stock market as an investment option. This four-month long campaign is the first phase of the exchange's long-term commitment to familiarise and engage the younger target segment into identifying opportunities for investment or career in the capital market. The programme is targeted to the investing population age group of 20 to 29 years of age.

Bursa Malaysia Berhad Chief Executive Officer, Dato' Yusli Mohamed Yusoff said, "There is a strong need for us to engage new retail investors into our capital market. Our ultimate aim is to persuade the younger segment to consider the stock market as a natural investment option."

The retail programme covers a two-pronged approach. The first aims to reach out to the young and create awareness through a hip and innovative advertising campaign entitled 'What If...". The latter focuses on the message of what investors can potentially miss out on should they not consider the stock market as an investment opportunity. The second approach will utilise an online investment challenge game called Bursa Pursuit as a medium to engage and educate.

Bursa Pursuit is a virtual stock challenge with real-life trading experience, minus the actual monetary risk. This exciting stock game features educational elements such as trading tools and analyst reports and most importantly, engages participants in the actual analyzing, buying, selling and monitoring aspects of stock trading.

Dato' Yusli added, "We believe that it is imperative to educate young investors to adopt informed investment strategies. Early exposure in trading will hopefully instill in our young the interest in finding out more ways to tap into investment opportunities available in the capital market. We hope that through Bursa Pursuit, participants can look forward to a new learning experience as they are exposed to the basics of stocks and trading."

Bursa Pursuit, which will run from 1 October 2007 to 30 November 2007, will give participants the opportunity to win prizes valued up to RM500,000. This online game opens with a virtual capital of RM250,000 and is open to participants above the age of 18 years. Those interested to participate can register online and the official registration period is 7 September 2007 till 23 November 2007. Bursa Pursuit will consist of 3 leagues: the main league for any individuals above 18 years of age; sub-league with a minimum of 5 players and maximum of 15 players; and a pro-league for individuals licensed by the Securities Commission. Weekly prizes worth RM2,000 each will be given to top 5 performers from the main league. A grand prize of RM100,000 will be awarded to the player/team with the highest virtual earnings from each league at the end of the game. Bursa Malaysia will also run roadshows at campuses and public spots within the Klang Valley to encourage sign-ups.

The retail programme which was launched in Maison in Kuala Lumpur saw local celebrities such as Serena C, Melissa Indot, Arafah Edruce, Moots of Pop Shuvit, DJ Blink, DJ Fuzz as well as Hitz FM DJs Hunny and Junior, showing support and signing up to participate in Bursa Pursuit's Celebrity League.

For more information on this online investment challenge, please visit www.bursamalaysia.com and click on 'Bursa Pursuit'.

Full link here :
http://www.klse.com.my/website/bm/media_ce..._163218938.html

Becoming A Millionaire

ejleemy — Tue, 28 Aug 2007 08:17:18 +0800

Have you ever calculate how much (amount) and how long (no. of years) do you need to save in order to become a millionaire ? The chart will give you some idea.

An example on how to use the chart.

Person A 30 years now would need to save RM 804.40 per month in an investment scheme that offers 10% average compounded annual return to become a millionaire by age of 55.

More info can click the link here

Auto Insurance

ejleemy — Mon, 27 Aug 2007 15:07:38 +0800

I'm about to renew my car insurance in 2 months. Right now, I'm using Pan Global, and am considering shopping for other company insurance. The reason I chose Pan Global was because of their service. I paid the fee online with CC, and they sent a runner to my place to collect all the neccesary documents and helped me renew road tax too. I didn't make any claim recent years so I do not know how good is their claim service.

What auto insurance company do you think is the best ? In terms of best rate, best service etc.

Water Filter

ejleemy — Wed, 22 Aug 2007 13:40:23 +0800

Hi all, I got a little question on the water filter for residential use (condo).

I notice the branded ones could cost 4 digit figure (ie. diamond), and the cheap one could cost much much lower (could find them from hypermarket like carefour, tesco). So do the expensive ones really make that much difference ? Any tip to pick a good and cheap water filter ?

Oh, btw, the water is for normal use, not for drinking.

Payout Time Formula

ejleemy — Wed, 15 Aug 2007 08:46:23 +0800

When we open up newspaper on stock market section, there's a column calls P/E after the volume. Ever wondering what does it really do ?

According to investopedia defination,

P/E ratio also known as Price-Earnings Ratio is a valuation ratio of a company's current share price compared to its per-share earnings.

Stock market is essentially a mathematical model with price and earnings, plus plenty other variables. When you are given the price and earnings of 2 stocks/funds, how can you tell which is a better buy ?

Here I offer you one of the methods I use. Follow the link here for further illustration.

Public Islamic Asia Balanced Fund (PIABF)

ejleemy — Tue, 14 Aug 2007 01:52:27 +0800

Fund Name : Public Islamic Asia Balanced Fund (PIABF)

Fund Category : Balanced Fund (Syariah)

Fund Objective : Income and Capital Growth

Approved Fund Size : RM 375 Mil. (or 1.5 Bil. Units)

Equity Range of Fund : 40% - 60%

Investor Profile : Conservative To Moderate Risk-Reward Temperant

Selected Foreign Market : Japan, Taiwan, Philippines, Hong Kong, Indonesia, Singapore, New Zealand, Thailand, South Korea, China, Australia and other approved Market.

Benchmark : Dow Jones Islamic Market Index (DJIM)

Benchmark Performance :
1 year (21st July 2006 to 31st July 2007) = 22.39%
3 year (21st July 2004 to 31st July 2007) = 49.90%

Syariah Advisor : Islamic Banking and Finance Institute Malaysia S.B. (IBFIM)

Bonus : Free Insurance, Takaful Coverage - Group Term Life (with TPD) + Group Personal Accident - RM 1 NAV = RM 1 coverage

T&Cs For the Bonus :
For Firstholder aged between 18-59 years old
Min NAV of RM 5,000 at any point of time
Subject To a Max of RM 100,000

EPF Investment : NOT open for EPF investment

Management Fee : 1.55% of NAV

Trustee : Amanah Raya Berhad

Trustee Fee : 0.08% of Total NAV or minimum of RM 18,000

Promotional Offer Period : 5.45% Service Charge For 21st Aug 2007 to 10th Sept 2007 (21 Days)

NAV / Unit : RM 0.25

Switching Rule : Not applicable during promotional offer period except low-loaded fund

Requirement For Switching : Minimum 1000 units AND RM 1,000

Investment Amount : PII - RM 1,000. PAI - RM 100

Cooling Off Period : 6 Days for first time Public Mutual investors.

For Reference Only - Other PM Islamic Fund Performance (shown in chart below)

List of Potential Stocks :

Samsung Electronic (Korea)
POSCO
Hyundai Heavy Industries
Taiwan Semiconductors (Taiwan)
Hon Hai Percision Industry
MediaTech
China Mobile (China)
Li Ning
China Merchants Holdings
Nintendo (Japan)
Semicorp Marine (Singapore)
Singapore Telecommunications
Keppel Corporation

Fund Prospectus will be available on 20th Aug 2007.

Public Mutual has demonstrated its ability in investing in islamic market and just recently won the Failaka award for "Best Fund Manager Asia 2006". Now they are adding another fund to the Asian Islamic fund market.

Ok, a lot of people will ask is this a good fund to buy ?

My answer is a balanced fund does not suit everyone. It is cheaper in cost to purchase an equity fund and a bond fund separately. However, one can always take advantage of the lower service charge during the promo period and switch to another fund that suits his/her investment portfolio.

This link will show you how to invest with the method.

A disappointing performance by EPF

ejleemy — Mon, 06 Aug 2007 12:50:53 +0800

Click Here to see the analysis.

Can Mutual Funds Lose Money In Long Term ?

ejleemy — Thu, 02 Aug 2007 12:58:24 +0800

We have seen all the extraordinary mutual fund gains from newspaper ads everyday. But they have hardly mention about the losses part. Some agents even claim that mutual funds do not lose money in long term, is it true ?

As our market are relatively young, I compiled some good info from the competitive SG UT market. Lets take a look here.

Feel free to discuss.

Public Mutual Promotion Update

ejleemy — Wed, 01 Aug 2007 12:06:12 +0800

Great News !

1) Special Promotional Service Charge of 5.45% on all EPF investmen into PIX, PRSF, PIBF extended till 30/8

2) Failaka Awards Celebration Promotion includes PFEPRF. Closing for this promotion on 20/8

Thanks.

Retired Policeman

ejleemy — Mon, 30 Jul 2007 15:08:51 +0800

Ok, I have this friend X, he is going to be 55 and will retire from police force this year. He worked as a high ranked police officer in the politics area mostly in another state. He's interested to work after retirement, but seek 'senang' type of job, so prefer not those 40 hour/week job. Something like 20 hour/week would be perfect.

Right now he's considering a security manager job from genting. It might not be a 'senang' job for him considering his age. So my question is... any other job I can recommend him to try ?

Lump Sum Vs Dollar Cost Averaging

ejleemy — Mon, 30 Jul 2007 10:28:47 +0800

Ever wonder how does Dollar Cost Averaging actually help an investor ? Is it the right investment method for everyone ? Let's take a look.

Dollar Cost Averaging - Technical Analysis

Amazing Gain, But is it really that good ?

ejleemy — Fri, 27 Jul 2007 08:19:34 +0800

I came across a fund with an amazing growth for the recent months. Amanah Saham Kedah with 261.14% growth in the recent 12-month performance, far ahead of any other fund. But is it really that good ? The fund has been around for quite a few years, but morningstar doesn't give it any star. Why is that ? Click here to find out.

Little Market Timing Tip

ejleemy — Thu, 26 Jul 2007 11:58:24 +0800

For those who are interested to take advantage of this,

Best day to make purchase (UT, ETF, portfolio of stocks) = Monday
Best day to dispose = Friday

Best Month to sell = February

More info click here

Is Public Mutual Really That Good ?

ejleemy — Mon, 23 Jul 2007 08:40:12 +0800

Put all the things into mathetmatical form and we will see how it really looks like. Follow link here.

MF - Does Past Performance Predict Future ?

ejleemy — Thu, 19 Jul 2007 14:23:53 +0800

Hi all, we have heard a lot about there's no guarantee success of a mutual fund based on its historical record. Ever wonder how true is that ?

Click here to find out.

PIBOND And PEBF Will Be Closed Next Month

ejleemy — Wed, 18 Jul 2007 13:27:24 +0800

With effect from 1/8/2007, PIBOND (Public Islamic Bond Fund) and PEBF (Public Enhanced Bond Fund) will be closed for investment except for those DDI (Direct Debit Instruction) submitted before the said date.

The bond funds - PSBF (Public Select Bond Fund), PIEBF (Public Islamic Enhanced Bond Fund) and PISBF (Public Islamic Select Bond Fund) will remain open.

Too bad for the investors, PIBOND and PEBF have been performing very well in the past. See the chart of PEBF in the last 2+ years. It held a strong performance for a lower risk fund with 0.25% service charge only.

PIBOND on the other hand managed to pull out a 7.45% avg annual return with standard deviation (a risk measurement) of 2.01 only in the last 3 years !!! (compared to our KLCI of 10+ std dev).

Education Planning

ejleemy — Tue, 17 Jul 2007 14:15:10 +0800

A handy guide for education planning.

http://www.publicmutual.com.my/documents/M...dition_2007.pdf

Warran Buffet Interview

ejleemy — Sat, 14 Jul 2007 09:38:27 +0800

There was a one hour interview on CNBC with Warren Buffet, the second richest man who has donated $31 billion to charity. Here are some very interesting aspects of his life:

1. He bought his first share at age 11 and he now regrets that he started too late!

2. He bought a small farm at age 14 with savings from delivering newspapers.

3. He still lives in the same small 3-bedroom house in mid-town Omaha, that he bought after he got married 50 years ago. He says that he has everything he needs in that house. His house does not have a wall or a fence.

4. He drives his own car everywhere and does not have a driver or security people around him.

5. He never travels by private jet, although he owns the world's largest private jet company.

6. His company, Berkshire Hathaway, owns 63 companies. He writes only one letter each year to the CEOs of these companies, giving them goals for the year. He never holds meetings or calls them on a regular basis. He has given his CEO's only two rules.
Rule number 1: do not lose any of your share holder's money.
Rule number 2: Do not forget rule number 1.

7. He does not socialize with the high society crowd. His past time after he gets home is to make himself some pop corn and watch Television.

8. Bill Gates, the world's richest man met him for the first time only 5 years ago. Bill Gates did not think he had anything in common with Warren Buffet. So he had scheduled his meeting only for half hour. But when Gates met him, the meeting lasted for ten hours and Bill Gates became a devotee of Warren Buffet.

9. Warren Buffet does not carry a cell phone, nor has a computer on his desk. His advice to young people: "Stay away from credit cards and invest in yourself and
Remember:
A. Money doesn't create man but it is the man who created money.
B. Live your life as simple as you are.
C. Don't do what others say, just listen them, but do what you feel good.
D. Don't go on brand name; just wear those things in which u feel comfortable.
E. Don't waste your money on unnecessary things; just spend on them who really in need rather.
F. After all it's your life then why give chance to others to rule our life."