Ida Azerin Razali Agency

9 Strategies to Move Ahead Faster!

2010-11-21T11:40:00.000+08:00

Be totally clear about what you want

Know anything is possible
Surround yourself with great people and BIG thinkers
Always do what you promise to do
Set high standards for yourself and others and don't accept anything else
Focus on what matters and what you can control
Put in place systems that deliver every time
Take action NOW - momentum leads to greatness
Keep doing whatever it takes until you achieve your outcome - this entails passion, energy and persistence

Top Producers for October 2010

2010-11-21T11:36:00.000+08:00

Hey there! I just realized that I've missed to update the Champions for my Agency Member for Aug - September 2010! wohooo.... my sincere apology.

Ok, not to waste any time, here I would like to announce the Top Producers for my team for October 2010! :)

Congratulations to all great UT Consultants!!! Keep up the excellent effort. Sky is the limit!

Top Personal Producer October 2010

1. ASP Prameswary Titan Nadar

2. ASP Amli Hazrool Ahmad Mokhtar

3. ASP Shahrul Azizy Shuib

4. AS Kang Wai Chin

5. AS Masrina Muhamed

6. ASP Siti Suhana Hamzah

7. AS Juliana Md Sharif

8. ASP Anifah Zakaria

9. AS Norhisham Kamal

10. UTC Ismail Kassim

Top UTC October 2010

1. UTC Ismail Kassim (JB)

Top ASP October 2010

1. ASP Prameswary Titan Nadar (Cheras)

2. ASP Amli Hazrool Ahmad Mokhtar (Cheras)

3. ASP Shahrul Azizy Shuib (Cheras)

4. ASP Siti Suhana Hamzah (Bangsar)

5. ASP Anifah Zakaria (Cheras)

6. ASP Arsiah Ladi (Klang)

7. ASP Zainiza Abdul Manap (Cheras)

8. ASP Kherun Nissa Ismail (DSP)

9. ASP Rossilah Bakar (Cheras)

10. ASP Mohd Hafiz Mohd Habib (Cheras)

Top AS October 2010

1. AS Masrina Muhamed (Melaka)

2. AS Kang Wai Chin (DSP)

3. AS Juliana Md Sharif (Penang)

4. AS Norhisham Kamal (Seremban)

--
Do not be pushed by your Problems, Be led by your DREAMS! :)

Change and Grow Even Stronger 2010!

With Love & Thanks,
Ida Azerin Razali
Agency Manager
Public Mutual Berhad
HP: 012-3215190
http://bzbeezconsultants.blogspot.com

Ouchhh

2010-11-21T11:29:00.000+08:00

Hey there!

Yup, been ages I haven't update this blog. My sincere apology! Going to take necessary actions to make it a point to update atleast every 2 days? :))

Have a great weekend ait!

Loves & thanks,
Cho

How big a nest egg do you think you'll need to retire?

2010-08-22T21:56:00.000+08:00

*Based on 2,693 respondents polled on http://www.theedgemalaysia.com/ from June 26 to July 8.

62.5% - RM2million
27.4% - RM1million
5.6% - RM500,000
4.5% - RM750,000

How about you?
What is your retirement number?

Call me at 012 - 321 51 90 if you need assistance in determining your retirement number! :)

Quote Of The Month:

"The question isn't at what age I want to retire, it's at what income" - George Foreman

::Our Agency Top Performers For July 2010::

2010-08-11T11:38:00.000+08:00

Kaizen!

Congratulations to all our Top Producers for July 2010! :) To some.... your pre-Ramadhan shopping must be awesome eh? :))

Top Personal Producers

1. ASP Ris Melati Shamsuddin
2. AS Norhisham Kamal
3. ASP Mohammad Nizam Bidin
4. ASP Khulailah Abas
5. ASP Anifah Zakaria
6. ASP Shahrul Azizy Shuib
7. ASP Zainiza Abdul Manap
8. ASP Kherun Nissa Ismail
9. AS Masrina Muhamed
10. ASP Prameswary Titan Nadar

Top Agency Supervisor Probation (ASP)

1. ASP Ris Melati Shamsuddin

2. ASP Mohammad Nizam Bidin

3. ASP Khulailah Abas

4. ASP Anifah Zakaria

5. ASP Shahrul Azizy Shuib

6. ASP Zainiza Abdul Manap

7. ASP Kherun Nissa Ismail
8. ASP Prameswary Titan Nadar
9. ASP Kang Wai Chin
10. ASP Abdul Rahaman

Top Unit Trust Consultant (UTC)

1. Salwa Mohd Hussin
2. Mohamad Faisal Kemaru
3. Nik Abu Bakar
4. Amelia Addlan
5. Mohd Misbah
6. Indrah Devi

Top Agency Supervisor (AS)

1. Masrina Mohamed (Melaka)

2. Juliana Md Sharif (Penang)

3. Norhisham Kamal (Seremban)

4. Syahidun Jahaya (Nilai)

5. Zamri Abdullah (JB)

6. Hartene Samsudin (KL)

Keep up the great performance peeps! :)

Remember... for every RM30,000 SV your bring in, regardless of CASH or EPF, you'll be entitled for 1 lucky draw!!! :)) If you have RM100,000 SV, you'll have 3 draws!

Mana la tahu... kot kot menang kereta Proton Exora yang baru for new year!!! :))

Loves & Thanks,
Ida Azerin Razali

::BEGINNER ON AMANAH SAHAM OR UNIT TRUST INVESTMENT

2010-07-14T12:01:00.000+08:00

As a refresher.... :)

What are Unit Trusts?

Unit Trusts are a form of collective investment that allows investors with similar investment objectives to pool their funds to be invested in a portfolio of securities or other assets.

The manager of the fund then invests the pooled money in a portfolio which may include the asset classes such as Cash, Bonds & Deposits, Shares, Property and Commodities.

Benefits Of Unit Trust

It is tough for an individual to maintain his own portfolio of investments, he needs to keep up to date with market information and sentiment.

By investing in unit trusts most of the necessary ‘know-how’ of investing are transferred to those best equipped to handle it i.e. the professional fund managers.

The advantages and benefits of investing in unit trusts are:

Diversification

A larger pool of funds allows the fund manager managing the unit trust to purchase a wider range of investments. Rather than concentrating an investment portfolio into one or two investments or shares, a portfolio of market securities can be held. The wider the spread of investments, the less volatile (i.e. variable) the investment returns will be. In simple terms, investment into unit trusts means diversification of risk: “not putting all your eggs in one basket.”

Liquidity

Most investors require that their investment be liquid. That is, they can easily buy and sell within a short period of time. Unit trusts provide this benefit, being bought and sold easily. An excellent return that cannot be “cashed-in” (i.e. sold) does not necessarily mean a good investment as poor liquidity constitutes an additional risk factor for the investor.

Professional Fund Management

The people making investment decisions for unit trust holders are professionals. Their training and background ensures that decision making is structured and according to basic investment principles. In the process, unit trust funds enjoy the depth of knowledge and experience that fund manager bring. In the long term, it is this expertise that should generate above average investment returns for unit trust investors.

Affordable and Investment Exposure

For the individual investor, it is sometimes difficult to gain exposure to a particular asset class. For instance, if an investor with RM3,000 wanted to gain exposure to the property market, global equity markets and bond market, it would be impossible to simultaneously hold a direct investment portfolio in all of these markets. With unit trust investments, it is possible to spread your money around to all of these asset classes at the same time, so that the investor can gain the investment exposure he requires.

Wholesale Investment Costs & Access to Investments

When making small investments, the investor faces costs and charges that are much higher. Unit trust funds are investing with large amounts, so that the economics of the transaction are more favorable i.e. the fees and charges/brokerage etc. per investment ringgit are likely to be less.

Also, because fund managers invest in larger amounts, they are able to get access to wholesale yields and products which are impossible for the individual investor to obtain.

Funds for All Type of People

There are many different types of funds that will suit to any level of risk to cater different type of people.

Safe and Secure

Unit Trusts only make investment and do not give out loans thus, the situation where liabilities more than assets will never arise.

More free time

Yes, we have to monitor our investment performance but since the fluctuation of the unit trust fund is not as frequent as stock market and that we have our Professional Fund Manager to look after the investment, we may keep track the fund on a weekly basis. More free time for us.

Attractive Returns

Unit Trust has proven that it is an excellence hedge against inflation. Unit Trust in some countries has shown a return of between 10% to 15%.

thanks to Abang Arif! :)
--

Change and Grow Even Stronger 2010!

With Love & Thanks,

Ida Azerin Razali
Agency Manager
Public Mutual Berhad
HP: 012-3215190

WALK IN INTERVIEW / CAREER TALK by PUBLIC MUTUAL BERHAD

2010-07-07T10:26:00.000+08:00

GRAND BUSINESS OPPORTUNITY SEMINAR

SEREMBAN: ROYALE BINTANG HOTEL

TIME: 8pm - 9.30pm

DATE: 8 JULY 2010 (THURSDAY)

all are invited. Please rsvp as there will be entrance ticket.

Drive safely ait! :)

::CONGRATULATIONS FOR TOP PRODUCERS JUNE 2010!::

2010-07-07T10:19:00.000+08:00

Kaizen!
Congratulations to all top producers for June 2010.

I'm sure today, all of you will be smilling when going to Public Bank to enjoy the reward of your hard work! :))

Do save some and buy your favorite thing! You deserve the best things in life... !

Top Personal Producer June 2010

1. ASP Anifah Zakaria
2. ASP Amli Hazrool Ahmad Mokhtar
3. ASP Prameswary Titan Nadar
4. ASP Zainia Abdul Manap
5. ASP Arsiah Ladi
6. AS Juliana Md Sharif
7. UTC Rahimah Nuin
8. ASP Rossilah Bakar
9. ASP Ahmad Erwan Yusof
10. ASP Kang Wai Chin

Top UTC June 2010

1. UTC Rahimah Nuin (Kota Kinabalu)
2. UTC Loh Min Chin (Klang)
3. UTC Amelia Addlan (Cheras)
4. UTC Norhastika Abu Kassim (Cheras)
5. UTC Mohamad Arif Abdul Rashid (Cheras)
6. UTC Mohamad Faisal Kemaru (Seremban)
7. UTC Saodah Omar (Penang)

Top ASP June 2010

1. ASP Anifah Zakariah (Cheras)
2. ASP Amli Hazrool Ahmad Mokhtar (Cheras)
3. ASP Prameswary Titan Nadar (Cheras)
4. ASP Zainiza Abdul Manap (Cheras)
5. ASP Arsiah Ladi (Klang)
6. ASP Rossilah Bakar (Cheras)
7. ASP Ahmad Erwan Yusof (Cheras)
8. ASP Kang Wai Chin (DSP)
9. ASP Nor Aliza Adam (Bangsar)
10. ASP Kherun Nissa Ismail (DSP)

Top AS June 2010

1. AS Juliana Md Sharif (Penang)
2. AS Hartene Samsudin (KB)
3. AS Norhisham Kamal (Seremban)

--
You are a success the moment you take actions!

Change and Grow Even Stronger 2010!

With Love & Thanks,
Ida Azerin Razali
Agency Manager
Public Mutual Berhad
HP: 012-3215190
http://bzbeezconsultants.blogspot.com

June 2010 - 1/2 year soon gone!

2010-05-30T15:30:00.000+08:00

Kaizen!

How time flies. Pejam celik, sudah menghampiri June 2010. Ini bermakna, kita semua ada lagi 1 bulan sebelum kita buat check list - 1/2 year goals! :)

Kat mana korang semua di kala ini?

Achieved?
Half Way?
Long Way?
Don't have any way?

Public Mutual wins Reader’s Digest Trusted Brand Platinum Award

2010-05-28T11:58:00.001+08:00

Public Bank’s wholly-owned subsidiary, Public Mutual, has won the Reader’s Digest Trusted Brand Platinum Award for the Investment Fund Company category in Malaysia in 2010. Previously, Public Mutual won the Gold Award for four consecutive years, from 2006 to 2009.

Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow, expressed pride at this recognition of consumers’ trust. “Winning the Platinum award is a great honour as it signifies that Public Mutual has earned the confidence of Malaysian consumers in continuously delivering top value to investors,” he said.

The Reader’s Digest’s annual Trusted Brands survey in Malaysia reflects Malaysian consumers’ choice of their trusted and favourite brands. While most Trusted Brand Award winners achieve Gold status, brands with scores of more than three times that of their nearest competitor; or with a score at least double that of their nearest competitor and an average rating of at least 4 points (out of a possible 5) on the qualitative criteria, receive a Platinum Trusted Brand Award. These qualitative criteria include trustworthiness & credibility, quality, value, understanding of customer needs, innovative and social responsibility.

Tan Sri Teh dedicated the award to Public Mutual’s board of directors, management, staff and unit trust consultants for their dedication and commitment. He also thanked investors for their unwavering support and confidence. With the Reader’s Digest Trusted Brand Platinum Award, Public Mutual has, to-date won 158 awards, of which more than 90% are recognition for excellent fund performance.

Public Mutual is Malaysia’s largest private unit trust company with 75 funds under management. It has over 2,320,000 accountholders and as at 31 March 2010, the total net asset value of the funds managed by the company was RM36.6 billion.

STAIRWAY TO NO.1 - Take Huge Strides Towards Success!

2010-03-13T15:00:00.000+08:00

Kaizen!

The ladder of success is best climbed on the rungs of opportunity! - Ayn Rand

CONGRATULATIONS!!! - You are doing what many people wish they could do - starting you own business and becoming your own boss! and that's an exciting journey... :)

Running a business requires a lot of planning and effort. You'll be lost if you don't have a clear set of goals in mind when you start.

This campaign will help you set and achieve your targets as you climb up the success ladder.

Along the way, you'll achieve a great amount of monetary rewards and receive a tremendous source of self-satisfaction and pride.

YES! you'll have my untiring support to step up to success! I wish you all the best and GOOD LUCK! :)

TARGET 1: TRAINING INCENTIVE

Within 6 months, you closed:

RM40,000 - RM69,999 --> Training vouchers worth RM330!

RM70,000 - RM99,999 --> T.V worth RM330 PLUS Cash RM100!

RM100,000 above --> T.V worth RM330 PLUS RM200!

The trainings:

Enhance Productivity Program (EnPro) - RM80
Cams & Adept Training & CAMS Subscription (1st year free trial) - RM100
Investment Planning Practice Series (IPPS) - RM150

GOOD NEWS!!!

For the "Training Incentive", every RM1 of qualified CASH/EPF sales submitted, will be calculated as RM1 sales for the New UTC Campaign!!!

Nabil, Amli & Anifah have confirmed passed the 1st category. Lets target for the PLUS CASH RM200!!! :)) Yes, U can! :)

TARGET 2: INCENTIVE TRIP

Achieve min of RM700,000 and you're on your way to PHUKET, THAILAND to enjoy a FULLY PAID Vacation on a little less effort than everyone else! :)

Myself got to achieve RM200,000 more than you tau! :))

Ok, all the best dudes....

::Congratulations To Top Producers For Feb 2010!::

2010-03-08T12:50:00.000+08:00

Kaizen!

Congratulations to all. Our February Group Performance has been finalized.

Here, I'm honoring Top Performers for February 2010:

TOP PERSONAL PRODUCERS:

1. Zainiza (Semenyih) - 013 379 0669

2. Nabil Fikri (Bangi & UNITEN) - 019 393 9667

3. Amli Hazrool (Bangi) - 012 638 5545

4. Hisham (Seremban) - 012 522 3223

5. Kang Wai Chin (PJ) - 012 296 9595

6. Ris Melati (Bangi) - 019 245 9545

7. Khulailah (Shah Alam) - 013 668 1365

8. Dewi Andalia (Seremban & TPM) - 012 366 0858

9. Radatulfarah (Kinrara & TPM) - 012 314 2888

10. Syahidun (Seremban) - 012 226 4102

TOP 3 AGENCY SUPERVISORS:

1. Masrina (Melaka) - 017 620 6384

2. Hisham (Seremban)

3. Hartene (KB & KL) - 017 910 0057

TOP AGENCY SUPERVISORS PROBATIONS

1. Zainiza (Semenyih)

2. Kang Wai Chin (PJ)

3. Ris Melati (Bangi)

4. Khulailah (Shah Alam)

5. Radatulfarah (KL)

6. Kherun (Shah Alam) - 016 244 6415

7. Norazrina (KL) - 019 259 9873

8. Arsiah (Shah Alam & Dengkil) - 012 353 7421

9. Nizam (PJ) - 019 270 2082

10. Ruzaimah (Penang) - 013 488 2124

TOP UTC

1. Nabil (Bangi)

2. Amli Hazrool (Bangi)

3. Dewi Andalia (Seremban)

4. Gunalan (Kundang) - 016 692 8943

5. Safura (JB) - 019 727 2323

6. Salwa (Melaka) - 013 692 3649

7. Norhafiza (Melaka) - 019 286 1058

8. Noraida (KL) - 012 291 9228

Gandakan usaha anda. Jumpa lagi ramai prospects. Buat banyak presentations and sharing dengan kawan2 serta rakan2, offline ataupun online, I'allah, EFFORT = REWARD!

So, I'm sure all of you dah pegi Public Bank today? :))

Take care peeps.

--
You are a success the moment you take actions!
Change and Grow Even Stronger 2010!

With Love & Thanks,

Ida Azerin Razali
Agency Manager
Public Mutual Berhad
HP: 012-3215190
http://bzbeezconsultants.blogspot.com/

Public Mutual emerges as the Biggest Winner for 7th consecutive year

2010-02-24T00:04:00.000+08:00

Public Bank’s wholly-owned subsidiary, Public Mutual swept 10 out of the 29 awards, including the most prestigious “Best Overall Group” award, at The Edge-Lipper Malaysia Fund Awards 2010 held at the Kuala Lumpur Convention Centre on 23 February 2010. This is the 7th consecutive year Public Mutual has emerged as the biggest winner at the annual awards event.

Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow expressed pride at the outstanding achievement despite a challenging year in 2009. “These awards demonstrate Public Mutual's commitment in continuously delivering top value as well as meeting the diverse needs of our unitholders,” he said.

By winning these awards, Public Mutual has to date received a total of 148 industry awards. Tan Sri Teh dedicated these awards to Public Mutual’s board of directors, management, staff, unit trust consultants and investors for their unwavering support and confidence over the years.

The 10 awards won by Public Mutual are:

No   Fund / Company                                         Category

1      Public Mutual Berhad                     Best Overall Group Award

2      Public Regional Sector Fund          Equity Asia Pacific                     3 years

3      Public Far-East Dividend Fund      Equity Asia Pacific Ex Japan      3 years

4      Public SmallCap Fund                   Equity Malaysia Small and Mid Caps        3 years

5      Public SmallCap Fund                   Equity Malaysia Small and Mid Caps        5 years

6      Public Bond Fund                         Bond Malaysian Ringgit             10 years

7      PB Balanced Fund                        Mixed Asset MYR Balanced    10 years

8      Public Islamic Bond Fund             Bond Malaysian Ringgit - Islamic               3 years

9      Public Islamic Bond Fund             Bond Malaysian Ringgit - Islamic               5 years

10    Public Ittikal Fund                        Equity Malaysia - Islamic          10 years

Public Mutual is Malaysia’s largest private unit trust company with 73 funds under management. It has over 2,000,000 accountholders and as at 31 December 2009, the total net asset value of the funds managed by the company was RM35.6 billion.

:: Wanna Be An Unit Trust Consultant? ::

2010-02-21T23:29:00.000+08:00

Where to Start?

Are you at least 21 years of age, possess a degree or at least SPM qualification and have strong business contacts?

YES! You are what I'm looking at... :)

To speed up the application, kindly prepare the following documents:

1. 2 copies of your IC.

2. 6 copies of your passport-size colour photo.

3. 1 copy of your relevant certificate of examination e.g. your degree, diploma or SPM.

4. 1 copy of your bank statement or front page of your savings passbook. Buka account RM250 (ni nak masuk commission only Public Bank)

5. Bank-in RM250 at any Public Bank (ATM machine or counter) for Public Mutual account no 3-1466169-06. This is the registration fee which is consider 'refundable' once you achieve certain sales within 6 months and thus it is actually worth it!

6. RM10 for revision class

7. RM4 for Statutory Declaration Form signature.

Also, please take note that the earliest examination date for becoming a consultant normally is 1 month from the date we submit the complete application.

Thus, act now!

Roadshow in Kota Kinabalu Recently

2010-02-19T23:37:00.000+08:00

Event: Sabah Investment Fair 2010

Venue: Kompleks Karamunsing, Kota Kinabalu, Sabah

Date: Jan 2010

UTC: IAR, Hartene, Qayyum dan Ustaz Firdaus

Achievement:

> Recruited 2 new UTCs and potential 3 UTCs on the way... need to do another round of following up! :)

Orang-orang K.K! Tunggu!!! Kami akan datang lagi bah! :))

Our Corporate Shirt

2010-02-19T23:22:00.000+08:00

Hi team!

Petang tadi saya ke Central Market dengan Hartene. Tak sangka pula banyak perubahan besar yang telah berlaku. YES! Ikut tajuk, I spent few hours looking for opportunity to create our own Corporate Shirt.

I'allah, design da siap. Will upload to yahoogroup once the designer da buat final touch up.

Can't wait for our new identity! :) The cost will be below RM50. So, make sure you dah siap2kan dari awal!

Kaizen!
Loves & Thanks,
IAR

:: Yes, WHY? ::

2010-02-18T18:18:00.000+08:00

Why I will be a successful UTC?

1. It’s the number 1 UT Company in the industry with attractive and proven track record.

2. I have the right mental attitude, confidence and determination to succeed.

3. I have the right leader to groom me into a self-starter, motivator and a decision maker

4. I believe, I have the capability to develop, enhance and master my skills to serve better

5. I believe, I belong to the right industry at the right time to enable me to produce very high income

6. I feel highly motivated and believe this financial product can help individuals to enhance their financial standing.

7. I believe our financial products are the best in the market and it offers better savings and investment opportunities to others.

8. I am committed, focused and I know my priorities.

9. I am open to changes, willing to learn, committed to trainings/meetings, loyal to company and my agency leader.

10. I know this is not a coincidence. The biz, the company and the agency leader. I believe my prayers have been answered!

Gong Xi Fatt Caii

2010-02-13T17:51:00.000+08:00

I would like to wish all my investors, consultants and friends a very Happy Chinese New Year!

May the year of TIGER brings you happiness, luck and prosperity!

Loves & Thanks,

Ida Azerin Razali

Public Mutual Berhad

Clarification on Individuals Undertaking the Activities of Distributing and Marketing of Unit Trust

2010-02-07T01:15:00.001+08:00

Introduction

This FAQ provides clarification and guidance to Question 8 of the current FAQ on the Single Licensing Regime (In Reference to the Licensing Handbook). The Question prescribes that a registered person dealing in unit trust and attached to a UTMC cannot be attached to another principal.

Following the FAQ with regard to the position of unit trust consultants, the SC has received several enquiries requesting for further clarification on the implementation of Question 8 and other issues with regard to individuals licensed for financial planning and interns attached to licensed financial planning firms.

1. Can a Unit Trust Consultant who is attached to a UTMC, CUTA or IUTA, be allowed to distribute unit trust products of other UTMCs, CUTAs or IUTAs?

No. A Unit Trust Consultant (UTC) is not permitted to market and distribute unit trust products other than the products of his principal, to which he is attached to.

A UTC is only allowed to market and distribute the products of its Principal, which may be a UTMC, CUTA or a IUTA. He cannot distribute products of another UTMC at the same time.

This is to ensure that the UTC provides dedicated advice to the investor with respect to his principal's products.

2. Can a Unit Trust Consultant be attached to more than one UTMC?

No. As mentioned above, a UTC can only be attached to one UTMC and cannot distribute unit trust products directly or indirectly of other UTMCs. He should also not have other arrangements to distribute products of other UTMCs.

3. Are employees of the IUTA, who are registered as UTCs with FIMM allowed to distribute unit trust funds independent of their employers?

No. The employees of a IUTA who are UTCs by virtue of their responsibilities in the IUTA, cannot become a UTC and attach themselves independently with any UTMC, CUTA or IUTA.

4. Can an individual who holds a financial planning license and is a unit trust consultant, attach himself to more than one UTMC?

No. A UTC can only be attached to one UTMC, as its Principal. The individual, who holds a financial planning license, should distribute the unit trust products of his Principal and pursuant to a financial plan. This is consistent with the approach as described in Question 1 and 2 above.

5. Can an individual who holds a financial planning license, who intends to become a CUTA continue to be attached to a UTMC?

No. The Financial Planning license holder must detach himself or herself from the UTMC prior to the CUTA seeking registration with FIMM. The CUTA can be attached to several UTMCs. As mentioned in Question 1 above, the CUTA and its representatives can only distribute unit trust products pursuant to a financial plan and with respect to the products of the UTMCs that the CUTA has arrangements with.

6. Are interns of a CUTA allowed to be registered as UTCs with FIMM either to distribute unit trust products on behalf of the CUTA or to distribute unit trust products independent of the CUTA?

No. An intern is not allowed to become a UTC, regardless of whether it is in his or her capacity as an intern of the CUTA or independent of the CUTA. This requirement is consistent with the framework for CUTAs, which does not allow the individual licensed financial planning representative to have an arrangement with UTMCs. This also follows the principle of interns assisting the financial planners of a CUTA and must not operate to avoid the requirement for FPs of CUTAs to be detached from UTMCs.

SC Website

::We are looking for dedicated and QUALITY… UNIT TRUST CONSULTANT! ::

2010-02-06T12:41:00.000+08:00

Requirements:

> At least 23 years old

> Minimum SPM qualification, preferably with experience in Sales, Marketing, Finance, Accounting or Insurance

> Multilingual

> Pleasant personality with strong interpersonal and communication skills

> Independent, matured in thinking, hungry for success & knowledge, teachable, coachable, fun and energetic person with the ability to think out of the box and possess entrepreneurship quality

> Bumiputra are encouraged to apply

> Applicants should be Malaysian citizens or hold relevant residence status

Responsibilities:

Promoting a comprehensive range of unit trust products

Building long-term profitable relationships with new and existing customers

Benefits:

Highly competitive incentive structure and benefits programme in the industry

The potential to earn unlimited income

Flexible working hours

Overseas trips, awards and public recognition

A wide range of financial planning and professional sales tools

Sales incentives and campaigns to support your sales effort

Subsidised Certified Financial Planner (CFP) certification course and diverse training programmes

Numerous recruitment incentives and subsidies for agency building

And much, much more

Be part of our team and start writing your own cheque of your desired income!

Please take note that you’ll be joining us as an ASSOCIATE, not as an EMPLOYEE. We will be your ASSOCIATE and MENTOR, not EMPLOYER. Therefore, you will be paid based on your PERFORMANCE, not your TIME.

Interested candidates, please call or email: +6012 321 51 90 or idaazerin@gmail.com

--
You are a success the moment you take actions!
Change and Grow Even Stronger 2010!

With Love & Thanks,
Ida Azerin Razali
Agency Manager
Public Mutual Berhad
HP: +6012 321 51 90
http://bzbeezconsultants.blogspot.com

:: History Of Unit Trusts ::

2010-02-06T12:02:00.000+08:00

History of Unit Trusts
Malaysia introduced the unit trust concept relatively early compared to its Asian neighbours, when, in 1959, a unit trust was first established by a company called Malayan Unit Trust Ltd.

The unit trust industry in Malaysia has therefore a history of more than four (4) decades. The development of this industry can be presented in chronological order as follows

The Development of Unit Trusts

The Formative Years: 1959 -1979

The first two decades in the history of the unit trust industry were characterised by slow growth in the sales of units and a lack of public interest in the new investment product.

Only five unit trust management companies were established, with a total of 18 funds introduced over that period. The industry was regulated by several parties including the Registrar of Companies, The Public Trustee of Malaysia, Bank Negara Malaysia and the Ministry of Domestic Trade and Consumer Affairs.

The 1970s also witnessed the emergence of state government sponsored unit trusts, in response to the Federal Government's call to mobilise domestic household savings.

The Period from 1980 to 1990

This period marks the entry of government participation in the Unit Trust Industry and the formation of a Committee to regulate the unit trust industry, called the Informal Committee for Unit Trust Funds, comprising representatives from the Registrar of Companies (ROC), the Public Trustee of Malaysia, Bank Negara Malaysia (BNM) and the Capital Issues Committee (CIC).

The 1980s marked a significant development in the history of the industry when the Skim Amanah Saham Nasional (ASN) was launched by Permodalan Nasional Berhad (PNB) in 1981. Despite only 11 funds being launched during this period, the total units subscribed by the public swelled to an unprecedented level because of the overwhelming response to ASN.

The 1980s also witnessed the emergence of more unit trust management companies, which were subsidiaries of financial institutions. Their participation facilitated the marketing and distribution of unit trusts through bank's branch network which widened investor reach.

The Period from 1991 to 1999

This period witnessed the fastest growth of the unit trust industry in terms of the number of new management companies established, and funds under management. The centralisation of industry regulation, with the establishment of the Securities Commission on 1 March 1993, coupled with the implementation of the Securities Commission (Unit Trust Scheme) Regulations in 1996 and extensive marketing strategies adopted by the ASN and ASB (Amanah Saham Bumiputera), played key roles in making unit trusts household products in Malaysia. Consequently, the total asset value of funds under management grew more than threefold from RM15.72 billion at the end of 1992 to RM59.95 billion at the end of 1996. The period also saw greater product innovation and deregulation of the industry.

Although the pace of growth of local unit trust funds has moderated since the financial crisis of 1997-1998, it has nevertheless maintained its upward trend.

The Period from 2000 to current

The unit trust industry has a very promising start to the 21st century. The industry recorded double digit growth for first 7 years, growing from RM43 billion in Net Asset Value(NAV) in Year 2000 to RM169 billion as at 31 December 2007. However, this strong growth has been punctuated by some extraordinary financial crisis in 2008, starting from the fallout of the subprime loans in the USA, bursting of the property bubble, the global credit crunch, the banking crisis and the rapidly falling share prices worldwide. As at 31 December 2008, the unit trust industry saw its NAV dropping to RM134 billion. While the industry NAV has dropped by 20% over the last 10 months, the industry Net Asset Value to Bursa Malaysia Market Capitalization has increased from 15% to more than 20%. In relative terms, the unit trust industry drop is less severe than the fall in share prices in Bursa Malaysia due to the diverse nature of its assests.

taken from FIMM website

:: Our Newly Registered UTC for Jan 2010 ::

2010-02-06T11:58:00.000+08:00

Congratulations on passing the CUTE in Jan 2010! & Welcome to our agency :)

1. Safura Abd Rahman (JB)
2. Nabil Fikri Mohd Ishak (Serdang)

::Group Top Achievers for Jan 2010::

2010-02-06T11:10:00.000+08:00

CONGRATULATIONS!!!!

What a superb start of the year 2010! :)

Congrats once again to the Top Performers Jan 2010!

Top Producer for Jan 2010:
1. Norhisham Kamal (Seremban)
2. Zainiza Abdul Manap (Semenyih)
3. Juliana Md Sharif (Penang)
4. Arsiah Ladi (Dengkil)
5. Kang Wai Chin (PJ)
6. Khulailah Abas (Shah Alam)
7. Prameswary A/P Titan Nadar (Serdang)
8. Nor Aliza Adam (PJ)
9. Hasneeta Mohd Hashim (Subang)
10. Shazana Abdul Rashid (Ampang)

Top Unit Trust Consultant for Jan 2010:

1. Prameswary A/P Titan Nadar (Serdang)
2. Mohamad Ariff Abd Rashid(Ampang)
3. Azlan Shah Ahmad Azahari(Linda's husband - KL)
4. Norul Suhaida Musa (Ampang)
5. Abdul Qayyum Faizal (Bangi)

Top Agency Supervisor Probation for Jan 2010:

1. Norhisham Kamal (Seremban)
2. Zainiza Abdul Manap (Semenyih)
3. Arsiah Ladi (Dengkil)
4. Kang Wai Chin (PJ)
5. Khulailah Abas (Shah Alam)
6. Nor Aliza Adam (PJ)
7. Hasneeta Mohd Hashim (Subang)
8. Shazana Abd Rashid (Ampang)
9. Kherun Nissa Ismail(Shah Alam)
10.Ruzaimah Rahim (Penang)

Top Agency Supervisor for Jan 2010:

1. Juliana Md Sharif (Penang)
2. Masrina Mohamed (Melaka)
3. Hartene Samsudin (KL)
4. Zamri Abdullah(JB)

U're a success the moment you take actions!

::What Are Unit Trusts? Or Amanah Saham?::

2010-02-06T11:07:00.000+08:00

Unit Trusts are a form of collective investment that allows investors with similar investment objectives to pool their funds to be invested in a portfolio of securities or other assets.

A professional fund manager then invests the pooled funds in a portfolio which may include the asset classes listed below:

• Cash
• Bonds & Deposits
• Shares
• Properties
• Commodities

Unit holders do not own the securities in the portfolio directly. Ownership of the fund is divided into units of entitlement. As the fund increases or decreases in value, the value of each unit increases or decreases accordingly.The number of units held depends on the unit purchase price at the time of investment and the amount of money invested.

The return on investment of unit holders is usually in the form of income distribution and capital appreciation, derived from the pool of assets supporting the unit trust fund. Each unit earns an equal return, determined by the level of distribution and/or capital appreciation in any one period.

Unit trust investors are typically those with savings to invest, who neither have the time nor the inclination to hold portfolios of direct investments or shares. Rather, they prefer to invest in a secure, reputable investment vehicle which suits their purposes. Unit trusts allow investors to have easy access to a wide range of investments not normally available to them.

As investors seek to maximise returns on their financial resources, unit trusts provide an ideal way for them to gain exposure to investments that, in the long run, should produce returns superior to cash savings and fixed deposit investments.

The cost of these potentially higher returns is of course the risk that accompanies the investment. In the short term, the certainty of investment returns of most unit trust products is less than those offered by fixed deposits. However, in the medium to long term (i.e. 3-20 years), unit trust investments generally provide better returns at acceptable levels of risk.

taken from: FIMM website

Last Month of 2009

2009-12-05T21:02:00.000+08:00

Kaizen! (means continuous and never ending improvement - in Japanese), is sort of greetings that we greet among the group members in Manogran Agency.

Time flies. All of us are definitely older that when I first started this blog. I realized that my last post was somewhere in July 09! OMG!!!

It's something that I would like to change prior to 2010.

Yes, we need to start doing different actions in order to create a different results in 2010! :)

Salam perkenalan buat semua. Hope, this website is benefitial to all of us.

Take care.

Loves & Thanks,
IAR
012-3215190

G20 forecasts growth in 2010 - Stimulus measures will boost world economy

2009-07-02T11:15:00.000+08:00

March 30, 2009 - Malay Mail

LONDON: Group of 20 leaders predict that the world economy will start to grow again by the end of 2010 in a draft communique for their London summit this week reported by the Financial Times on Sunday.

The 24-point draft reiterates pledges to avoid protectionism but is sketchy about a global approach to a fiscal stimulus package.

In a report on its website, the newspaper said the fiscal stimulus measures taken by individual countries will increase global output by more than two percentage points and create more than 20 million jobs.

With action to support the financial and banking systems and increased resources for the International Monetary Fund, the world economy could expand by the end of next year, the communique added.

The leaders of the 20 major economies meeting in London on Thursday say that a "global crisis requires a global solution", the FT reported.

"We are determined to restore growth now, resist protectionism, and reform our markets and institutions for the future... We are determined to ensure that this crisis is not repeated," they pledge.

They state their belief in "an open world economy based on market principles, effective regulation, and strong global institutions" to ensure "a sustainable globalisation with rising prosperity for all".

"We will not retreat into financial protectionism," they say.

Responding to warnings made by Germany and others that massive injections of capital into the economy could cause inflation, the communique also said the G20 are committed to "working together to avoid unintended impacts on others".

Elsewhere, the communique said tax havens and "non cooperative jurisdictions" will face sanctions, and will be named and shamed in a separate document to be published at the summit.

On executive pay and bonuses, which has sparked major public anger since the crisis hit, the G20 say remuneration should "reward actual performance, support sustainable growth and avoid excessive risk-taking."

It told banks that the quality and quantity of their capital must improve but "capital requirements should not be strengthened until a significant and sustained economic recovery is assured and the transition managed to ensure that the extension of credit is not constrained".

The draft communique also said emerging and developing economies "must have greater voice and representation" in international financial institutions, opening the way to reforms of the IMF and World Bank, the FT reported. - AFP/de

::Top Producers BzBeez Consultants MAY 2009::

2009-06-06T09:43:00.000+08:00

Kaizen!

The moment all been waiting for... :)

Congratulations to our CHAMPIONS! :)

Top Agency Supervisor (AS)

Personal Service Values

1. Juliana Md Sharif
2. Hartene Samsudin
3. Masrina Muhamed

Total Group Service Values

1. Hartene Samsudin
2. Juliana Md Sharif
3. Masrina Muhamed

Top Agency Supervisor Probation (ASP)

Personal Service Values

1. Zamri Abdullah
2. Kherun Nissa Ismail
3. Ris Melati Shamsudin
4. Shazana Abdul Rashid
5. Radatulfarah Abdul Rahman
6. Kang Wai Chin
7. Norazrina Jaafar
8. Abdul Rahaman Hassan

Total Group Service Values

1. Zamri Abdullah
2. Eswati Azni Jaafar

Top Unit Trust Consultant (UTC)

Personal Service Values

1. Norhisham Kamal
2. Hasneeta Mohd Hashim
3. Johar Hassan
4. Ahmad Erwan Yusof
5. Nor Aliza Adam

OVERALL CHAMPION FOR MAY 2009...

Congratulations to...

1. Zamri!
2. Hisham Kamal!
3. Juliana!
4. Kherun!
5. Has!
6. Abg Joe!
7. Erwan!
8. Ris!
9. Hartene!
10. Shazana!

I challenge you to raise your bar... set a higher target (monthly) to achieve your dreams...! :)
I can see lots of places changing place from last month's performance. What a great challange to all my World Greatest Consultants! :)

Sape2 yg lom ada dlm list top 10, apa kata U work hard & smart to grab the spot! :)

U're a success the moment you take action.
Make Dreams Real.
Kaizen!

---Change and Grow Stronger 2009!
Double your activities, Double your Service Values!
With Love & Thanks,
Ida Azerin Razali
Agency ManagerPublic Mutual Berhad
012-3215190
idaazerin@gmail.com

New Unit Trust Consultant Campaign 2009 (Jan to Dec 2009)

2009-06-06T09:40:00.000+08:00

Looking for additional income to support your growing family members and/or looking for additional income to increase your saving rate to retire early???

Join us today and enjoy the great benefits we can offer you.
Be it full and/or part-time.

Incentive 1: Joining Incentive Refund

Achieve RM50,000 in total personal sales within six month from the date of joining and we will refund your Computerised Unit Trust Exam (CUTE) and Joining Fees.

So, basically your business capital is zero.

Incentive 2: Incentive Trip

Achieve a minimum total personal sales of RM700,000, you will book yourself a seat to BALI! As compared to the standard National Sales Convention (NSC) Incentive Trip qualification requirement of RM900,000, a low RM700,000 qualification to the NSC is our wonderful way of saying welcome to all our new UTCs.

If you like challenges, RM1,500,000 to go to Seoul! and RM2.875M to go to DUBAI!!!

YES, they all are FREE Trips! :)

Don’t miss the boat! Join us today and enjoy these amazing benefits.

Call/Sms: 012-3215190 (IDA) Now!

Public Mutual Named “Best Malaysia Onshore Fund House” by AsianInvestor

2009-05-23T01:42:00.000+08:00

Public Mutual’s Chairman, Y. Bhg. Tan Sri Dato’ Sri Dr. Teh Hong Piow (right) proudly receiving the Best Malaysia Onshore Fund House award from Ms. Rebekka Kristin (left), Associate Publisher of AsianInvestor

Public Bank’s wholly-owned subsidiary, Public Mutual has won AsianInvestor’s “Best Malaysia Onshore Fund House” award for the second consecutive year. Public Mutual’s Chairman, Y. Bhg. Tan Sri Dato’ Sri Dr. Teh Hong Piow received the award from Ms Rebekka Kristin, Associate Publisher of AsianInvestor, during Public Mutual’s Annual Awards Night on 17 May 2009 at the Sunway Pyramid Convention Centre, Kuala Lumpur.

AsianInvestor is a Hong Kong-based leading publication dedicated to the region’s asset management industry. It introduced the AsianInvestor - Investment Performance Awards in 2001 to celebrate the excellence in investment performance by the fund managers in Asia Pacific.

According to Ms Kristin, Public Mutual was named “Best Malaysia Onshore Fund House” due to its resilient performance in a year of financial uncertainty. “This award acknowledges the outstanding achievements of everyone at Public Mutual who has worked so hard for, in what is truly a challenging industry at the moment,” she said.

Meanwhile, Tan Sri Teh expressed pride that Public Mutual is once again receiving this international recognition, which also marks the company’s 135th industry award since 1999.

“This esteemed award demonstrates Public Mutual's commitment in continuously delivering top value as well as meeting the diverse needs of our unitholders,” he said. He dedicates the award to the Board of Directors, Management, Staff and Unit Trust Consultants of Public Mutual for their dedication and hard work in making the company an industry leader. He also thanks the unitholders for their continued support and confidence in Public Mutual.

Public Mutual is Malaysia’s largest private unit trust company with 69 funds under management. It has over 2,000,000 accountholders serviced by over 42,500 unit trust consultants. As at 8 May 2009, the total net asset value of the funds managed by the company was RM27.4 billion

::Maybank, Public Bank most trusted::

2009-05-15T10:52:00.000+08:00

KUALA LUMPUR: Malayan Banking (Maybank) and Public Bank won top honours in the bank category in the Reader’s Digest Trusted Brands Awards 2009.

Reader’s Digest Asia group advertising director Simon Cholmeley said the ultimate measure of success for any brand was the level of consumer trust and confidence it enjoyed.

“The winners of the awards are the leaders in their categories – the top choices of consumers. These brands have proven their commitment to quality, value, innovation, and to answering consumers’ everyday needs,” he said at the award giving ceremony here yesterday.

“In today’s increasingly complex market, consumers need an objective benchmark to refer to when making a purchase decision. It helps to know which brands are most trusted by other consumers,” he added.

In the category of most trusted investment fund companies, Amanah Saham Nasional Bhd and Public Mutual were the winners, while Maxis took the top honours in the phone service category.

“Made in Malaysia” brands were the top choice of local customers, with home-grown labels named winners in 20 trusted brand categories.

The awards were given based on the Reader’s Digest Asia Trusted Brands survey, which reflected affluent Asian consumers’ choice of their most trusted and favourite brands.
Deputy International Trade and Industry Minister Datuk Mukhriz Mahathir presented the awards.

The survey was carried out by research firm The Nielsen Co, with respondents voting for their most trusted brands in 43 categories of products and services.

The brands were assessed and ranked quantitatively and qualitatively based on six determining factors: trustworthiness and credibility, quality, value, understanding of customer needs, innovation and social responsibility.

According to the survey, 79% of Malaysian respondents said a brand’s social responsibility performance was an important factor in their purchase decisions

http://biz.thestar.com.my/news/story.asp?file=/2009/5/6/business/3840353&sec=business

::Top Producers BzBeez Consultants April 2009::

2009-05-08T00:19:00.000+08:00

Kaizen!

The moment all been waiting for... :)

Congratulations to our CHAMPIONS! :)

Top Agency Supervisor (AS)

Personal Service Values
1. Juliana Md Sharif
2. Hartene Samsudin

Total Group Service Values
1. Juliana Md Sharif
2. Hartene Samsudin
3. Masrina Muhamed

Top Agency Supervisor Probation (ASP)

Personal Service Values
1. Norazrina Jaafar
2. Mohammad Nizam Bidin
3. Ris Melati Shamsudin
4. Kherun Nissa Ismail
5. Syahidun Jahaya
6. Zainiza Abdul Manap
7. Kang Wai Chin
8. Arsiah Ladi
9. Shazana Abdul Rashid
10. Dr. Farah Alwi

Total Group Service Values
1. Zamri Abdullah

Top Unit Trust Consultant (UTC)

Personal Service Values
1. Johar Hassan
2. Hasneeta Mohd Hashim
3. Ahmad Erwan Yusof
4. Norhisham Kamal
5. Noorhisyam Razali
6. Azri Hamim Adzis
7. Khalid Aswad Abdul Wahab

OVERALL CHAMPION FOR APRIL 2009...

Congratulations to...

1. Rina!
2. Abg Joe!
3. Nizam!
4. Has!
5. Erwan!
6. Ris!
7. Hisham Kamal!
8. Kherun!
9. Don!
10. Cik Jul!

I challenge you to raise your bar... set a higher target to achieve this month! :) Sape2 yg lom ada dlm list top 10, apa kata U work hard & smart to grab the spot! :)

U're a success the moment you take action.

Make Dreams Real. Kaizen!

---
Change and Grow Stronger 2009!
Double your activities, Double your Service Values!

With Love & Thanks,
Ida Azerin Razali
Agency Manager
Public Mutual Berhad
012-3215190
idaazerin@gmail.com

BzBeez Consultants Activities in April 09 - 1

2009-05-04T08:37:00.000+08:00

3 out of 4 BzBeez Consultants completed their Sunshine Program @ Cheras Branch, 25th Feb - 22nd April 2009. They were: Hartene Samsudin, Syahidun Jahaya & Shazana Abdul Rashid.

Hartene with Mr. Khoo, Cheras Branch Manager

Shazana with Mr. Khoo, Cheras Branch Manager

Don (all the way from Nilai) with Mr. Khoo, Cheras Branch Manager

Don berjaya mendapat Top 4 dalam Musical Chair! :)

Shazana & Hartene playing the Musical Chair...

One of the games...

He is missin in action... huhuhu

Group Picture...

The TEAM with Mr. Khoo

C U in DUBAI! :)

:: The Psychiatrist ::

2009-05-04T08:33:00.000+08:00

Many people blame their lack of success on what they perceive to be personal obstacles to their growth and development.

~ They blame everyone and everything ~

They were their problems like a badge and use them as an excuse for failure. Some enlist the services of a coach or analyst to help address the problem. Unfortunately, most of them never change and never become successful.

Ofthen, they themselves are the CAUSE & the EFFECT.

I learned this in college. I was always a a fast learner and could cram for almost any exam a one-night session. I didn't like reading and rarely did homework. I'd cut classes and finally developed a guilty conscience because all of my college friends were working much harder than I was.

I decided there was something wrong with me and made an appointment with the school psychiatrist. When I got there, the doctor asked, "What's your problem?"

I said I felt I was a poor student because I preferred goofing off to working.

When he asked my grades and I said A-, he replied, "That doesn't sound like a problem".

He added that if I was happy, well-adjusted and successful, I didn't need a psychiatrist.

From an academic point of view, I'm not sure he gave me the right answer. From a peace-of-mind and well-being point of view, he most certainly did.

Ought to, is not a strong motivator.

Want to, is.

Being out of sync and unhappy with where you are is a problem. But having fun and doing well certainly is not. There are many ways to succeed in life. We should all do what we want, not what we out and not what we should. We can't hide behind our weaknesses.

Complaining about them or bragging will not evoke sympathy. Everyone has weak spots. Achievers find the courage to fix them. If you want to be successful, don't find excuses for failure.

Find ways to succeed. Don't expect a psychiatrist, counselor or coach to prescribe a magic pill to make it easy.

~ GOALS & DREAMS - Norman G. Levine ~

There are so many considerations on your journey to success. I'm too young to become a millionaire, I'm too old, I don't have enough knowledge, I can't speak good english, I don't know math, my Mom won't allow me, my cat force me to stay at home, it was raining heavily, changing of the government policy made me frustrated, the prime minister is this n that, I don't have a car, my girlfriend is sick, sakit perut and the list can goes on and on...

Sampailah, fast forward when you're 65 years old... Looking back on your journey... sharing with your grandchildren etc...

What would you want to share with them? "I'm GLAD I've done this and that... it has brought me to where I am today..." or you want to share "I WISH I've done this and that... I wish I'd grab the opportunity... I wish I'd taken that actions... "

by that time my friends, it was just too late... (or some might says KFC was founded when Kol Sanders was 65 yrs...)

Do you want to use that excuses to wait when you're 65 to be successful? Well, the choice is yours my friends :)

Focus on your GOALS... Focus on your supporters who really want you to achieve your GOALS. Sometimes, they can be so mean to you. But their intention is purely, to bring the best out of you - to achieve your desired GOALS.

Looking back, your success is their success & your failure, is their failure too. In life, never be selfish... When you're down, focus in supporting your team member to achieve their GOALS. In doing so, you'll be inspire to take actions to be like them also :)

cheers!
IAR

6 Success Formulas

2009-04-30T01:19:00.000+08:00

We were having a Seminar yesterday evening @ Jalan Sultan Sulaiman, training centre. En. Jamal shared about these Success Formulas which is very valuable to each and everyone of us. For those who cannot attend last night, here I'm sharing with you the 6 S.F :)

-->

6 SUCCESS FORMULAS

1. Be very specific about your GOALS

2. Develop STRATEGIES

3. Take consistent ACTIONS

4. Turn failure into FEEDBACK

5. A powering BELIEF system

6. VALUES our driving force

You’re a success the moment you take actions!

Knowledge without actions is useless. Indeed it is true.

Possibilities & Possibilities for you to create.

2009-04-15T17:33:00.000+08:00

Live is abundance. I once saw this "Opportunity dances with those who are ready on the dance floor".

I just shared fantastic news with my investor. He & his wife, called me up one day in mid October 2008 to get to know about Public Mutual. They wanted to start saving for their retirement funds.

During that time, bad news were everywhere. Many big names in the USA banking sectors went bankcrupt. Malaysian just experiencing economic slowdown during that quarter. FEARS are everywhere.

This smart couple probably has read about the investment philosophy of Mr. Warren Buffett - "Be fearfull when others are greedy, & be GREEDY when others are fearfull".

He & his wife invested with me their EPF as well as CASH. Indeed, they understand that Unit Trust is for mid to long term investment.

Guess what??? He went in on Oct 2008, at that time, Public China Ittikal was 12cent! & no one could imagine that within a matter of 6 months, China Ittikal has increased to 16cent! Gosh... Almost 20% return.

& I am so happy for this couple. They definitely, are enjoying the dancing floor right now :)

as for most of us... while it is still not too late to take position now (since China Ittikal was launched at 25cent), would it wise to take position now, in anticipation for the next 3-5 yrs from now?

All the best!

-------------------------------------------------------------------------------------------------
My name is Ida Azerin Razali & I'm a Financial Consultant with Public Mutual Berhad. My team & I are ever ready to serve to your retirement needs.
Email: iar_agency@yahoogroups.com or sms 012-3215190 for support.

Sow your seeds today for a bounti-full tomorrow! :-)

::Do You Have A Robust Retirement Plan?::

2009-04-12T14:54:00.000+08:00

Only 34% of Malaysians putting aside money regularly for retirement funds.

YOUNG parents Xavier Arumugam and Kavitha Nair has been putting aside a fixed sum every month into their savings accounts as part of their retirement nest egg after deducting expenses for the household, medical insurance as well as education plans for their children and house loan installment.

Both of them had also voluntarily increased their employees contribution to 15% for the Employees Provident Fund (EPF) compared to the usual contribution rate of 11%.

FACTS: 99.9% of the contributors will withdraw their EPF savings in a lump sum and 70% will use up money in 3 years.

“We are aware though, that we do not have a formal retirement plan in place besides the EPF,” Kavitha admits.

According to Great Eastern Life Assurance (M) Bhd executive vice-president and chief marketing officer Loke Kah Meng, only 34% of Malaysians are putting aside money regularly for their retirement funds, but these may not take into account inflation, the rising cost of living and medical expenses in future, which could be a major financial burden.

“Although EPF savings is one of the main channels to provide for retirement, 99.9% of the contributors would withdraw their EPF savings in one lump sum once they reach 55 years of age and 70% of them would use up all their EPF savings in just three years post-retirement,” Loke notes.

Loke adds that longer life expectancy, delayed marriage and having children later would leave the retirees in a vulnerable position in their old age as they need to need to set aside medical funds for themselves and education funds for their children.

Meanwhile, Prudential Assurance Malaysia Bhd chief marketing officer Thomas Wong, survey findings shows that although Malaysians have a high propensity to save (72% claimed that they do save for retirement), 41% do not have a concrete plan on how to build their retirement fund.

“They just save as much as they can now and hope they will have enough to cover their retirement needs,” Wong says. Wong adds that among those who save for retirement, 77% are putting their money in low-yielding savings vehicles such as bank fixed deposits and savings accounts to accumulate their nest egg.

“Contrary to the common belief that keeping our money in the bank is the best way to preserve our capital, this instrument may not be good enough given that interest rates of bank deposits can hardly outrun inflation,” Wong says.

He also notes that most Malaysians do not segregate their savings for retirement, which made matters worse.

“This means, all their monies are lumped together as general savings. More alarmingly, out of those who consciously separate their savings for retirement, 83% have said that they would use the money should other needs arise,” he says.

This is indeed a risky situation because if they are not careful, they may not have enough money for their retirement, Wong explains.

In addition, a staggering 73% do not seek advice from financial professionals – a behaviour that compounds Malaysians’ poor retirement planning ability further.

“All these could probably explain why about 39% of those surveyed see themselves working beyond the mandatory retirement age, citing income boost as the main reason for doing so,” Wong adds.

Loke advises that instead of relying solely on one’s EPF and personal savings, Malaysians should consider early financial planning, which would save them the stress of dealing with insufficient retirement funds or seeking prolonged employment to ensure financial stability.

“We could plan ahead with investment-linked insurance plans to counter the effects of inflation. In addition, there is also the need to consider providing for your medical needs after you have retired and would be no longer entitled to medical coverage provided by your employer,” Loke says.

Meanwhile, Wong advises that there are a variety of choices available when it comes to building your retirement fund.

“Depending on your risk appetite, investment horizons and affordability, you can invest in properties, equities, unit trusts and investment-linked insurance to name a few. The key is to have a sound investment strategy that is the ability to balance risks and returns effectively according to the desired investment tenure,” Wong says.

Nevertheless, it is always advisable to contact a professional financial advisor or a wealth planner who can provide advice on how to best go about securing your retirement based on your financial circumstances, priorities and needs, Wong adds.

------------------------

My name is Ida Azerin Razali & I'm a Financial Consultant with Public Mutual Berhad. My team & I are ever ready to serve to your retirement needs.

Email: iar_agency@yahoogroups.com or sms 012-3215190 for support.

Sow your seeds today for a bounti-full tomorrow! :-)

Ida Azerin Agency Strength

2009-04-01T00:43:00.000+08:00

Alhamdulillah, 4 years in this business, I've managed to build up a total of 61 Unit Trust Consultants in my group. Indeed, a tough job to keep each and everyone of them motivated with their business; part timer or full timer. Anyway, I'm enjoying all the challenges, every second of it! :)

For those potential investors or potential consultants who read this blog that are residing outside KL, donch ya worry... My consultants outside KL are very happy to serve your financial objective needs.

They are:

1. Syahidun Jahaya (Nilai/Kajang/Bangi) - 012 2264 102

2. Zamri Abdullah (JB) - 016 7913 429

3. Juliana Md Sharif (Butterworth) - 012 4315 610

4. Norhisham Kamal (Rawang & Country Homes/Penang) - 012 5223 223

5. Hartene Samsudin (Putrajaya/Ampang/Kelantan) - 017 9100 057

6. Khalid Aswad (Putrajaya/Ampang) - 012 9121 160

7. Masrina Mohamed (Melaka) - 017 5219 399

8. Ris Melati (Klang, Bukit Rimau & Shah Alam) - 019 2459 545

9. Shazana Abd Rashid (Ampang / Taiping) - 013 4354 291

10. Mohd Nizam (Damansara) - 019 2702 082

11. Norazrina (Serdang/Bukit Jalil) - 019 2599 873

12. Radatulfarah (Kinrara/Bukit Jalil) - 012 3142 888

13. Azni (Perak/Bukit Jalil) - 019 3891 258

14. Dr. Farah (Manjung) - 012 2252 406

15. Azri (Manjung) - 019 3308 906

16. Kang Wai Chin (PJ/Kelana Jaya) - 012 2969 595

17. Foo Pooi Leng (Shah Alam/Bukit Rimau) - 012 3445 367

18. Zainiza (Semenyih/Kajang) - 013 3790 669

19. Wan Nor Azilahanim (Serdang/KL) 012 6874 897

20. Hasneeta Mohd Hashim (Subang/KL) - 017 6504 332

21. Johar Hassan (Kajang/Bangsar/JB) - 019 2192 969

22. Ahmad Erwan (Ampang/KL) - 012 2891 696

23. Abdul Malek (Serdang/KL) - 019 7508 077

24. Raja Norhafiza (Melaka) - 019 2861 058

25. Suzilawati (Bangi) - 013 3973 060

and many more to come!

I pray hard, to open up branches in Sabah & Sarawak this year. Insyallah... Sabah, 50% da dapat sebab 1 UTC from Tawau, already registered. Belum amik exam aje... :) I'allah in May!

So, do not hesitate to contact any of the Consultants above for assistance. They are very happy to assist in your planning for retirement, child education, wasiat, insurance and lots of other financial services offered by Public Mutual Berhad, a 100% subsidiary of Public Bank Berhad.

Loves & Thanks,

IAR

::Last Weekend Stories::

2009-03-30T18:09:00.000+08:00

I just got back from touring Ipoh & Penang this morning. Schedule was so tight sampai terlajak 1 night stayed in Kepala Batas.

I want to share experiences & knowledge I got from the 2 days & 2 nights tour with my UTC, Sham, his wife, Sham's cuz & my Mom...

First of all, I'm so greatful to have such a wonderful Mom who is my strongest supporter of my business in this Unit Trust Industry. She never complained for so many stop overs & waiting time that we made while in Ipoh & Penang :) Tq so much Mama!

I believe for Sham, he would like to extend his gratitude to his wife, Mala :) Tq so much for accompanying us! *Mala is my cousin sister...

While I was about to start my writing, I managed to browse thru Abang Arif's blog. Well, probably Law Attraction has made me to go thru his website first before I go into my blog! :)

To my suprise, he was sharing these wonderful things which I have on my mind oso. Cuma his words are better. If I may, I also want to share here, the TOP 3 FACTORS to SUCCESS:

1. Intention (our niat) - Hendak seribu daya, Tak Mahu seribu dalih. Orang poteh sebut "When there is a will, there is a way"

2. Decision (Decide, Choose!) - Do or Do Not. No such thing as Trying.

3. Determination (Semangat kental!) - No mountain high enough to climb! Never give up attitude!

The selling techniques, skills & product knowledge are secondary... The inside of YOU is the fundamental and most important!

We started to plan for our Penang trip for the past 8 days. If we can summarize based on the 3 points:

Our Intention: To share about financial services from Public Mutual & to share about this career & business opportunity as Unit Trust Consultant :)

Our Decision: To stop over @ Ipoh on Saturday & @ Penang on Sunday. To meet as many people as possible. In this case, they were all, Sham's network.

Our Determination: Even those turned up was 4 (originally 10), we never give up! Sham went to his aunties & uncles houses instead! His last business deal was at 5am on Sunday or Monday subuh!!!

Gosh... I thot I was the only crazy enough to got thumb print at 2am. He was even crazier!

For those who haven't got the all 3 top factors, you might want to learn to equip yourself with them.

We were out from Kepala Batas, 8am this morning, 30/3/2009. Reached Kelana Jaya @ 12.30pm. Sham, Mala & Sham's cuz, Aqilah continue to complete the agent form of Aqilah and later drive back to Seremban to pick up their 5 kids (kena stayed with Atoks)... and Bonda & I continued to Kepong, to support another bright and promissing UTC to do presentation to a group of auditors.

Looking back... WOW!!! :-)
Alhamdulillah... di atas kurniaan rezeki...

Kaizen!

You're a success the moment you take actions!

Loves & Thanks,
IAR

::Activities... Activities::

2009-03-27T16:12:00.000+08:00

My sincere apology for been away quite sometimes from updating this blog. My mistakes...

Just few updates:

1. 29 March: Preview in Penang. 10.30am. To know more, pls contact/sms me at 012-3215190. Our usual meeting place is at Public Mutual Branch, Pulau Tikus.

2. 5 April: Roadshow @ Manjung. 9am - 3pm. Person incharge is Dr. Farah 012-2252406

3. 8&9 April: Recruitment drives @ UNITAR Kelana Jaya. Person incharge is Hisham 012-5223223. Book ur slot with him.

4. 20 - 23 April: Roadshow @ MECD Putrajaya. Person incharge is me! :-)

For no 3 & 4. There are certain charges involve, depending on the participation. Book ur slots now.

Kaizen!

Loves & Thanks,
IAR

::2009 BRANCH ANNUAL AWARD NIGHT::

2009-03-07T19:53:00.000+08:00

I've paid my dues

Time After time

I've done my sentence but committed no crime

And bad mistakes, Ive made a few

Ive had my share of sand kicked in my face

Ive done my sentenceBut committed no crime

But Ive come through

We are the champions

my friends...

And well keep on fighting

till the end

We are the champions

No time for losers

cause we are the champions - of the world

Ive taken my bowsA nd my curtain calls

You brought me fame and fortune

and everything that goes with it

I thank you all

But its been no bed of roses No pleasure cruise

I consider it a challenge before the whole human race

And I aint gonna lose

We are the champions - my friends

And well keep on fighting

till the end

We are the champions

No time for losers

cause we are the champions - of the world..!

~QUEEN~

Thank you Allah, for opening up my heart to accept these new challenges, 5 years ago when I was still an engineer...

He gave me great health, strong will, extraordinary passion for me to live & contribute to others in this business...

Thank you Mama, for your patience, for your doa, for your undivided love & support to me...

Thank you my life & business partners, YOU ALL are WORLD!!! :-)

Thank you my friends & family who have supported me in this business and still continue to give support till my dying day...

I could have not done it without your loves!!!

I LOVE YOU!!!

~ Be A Master Of Change ~

2009-03-05T16:58:00.000+08:00

THE world today is polluted with so many negative issues such as fuel hikes, inflation, violence, terrorism, disease and so on that affect you emotionally and mentally. To be a master of change, you should first control your energy and transform these negative feelings into positive ones. For example, the fuel hikes raised the world’s awareness and many countries started looking for solutions to overcome this situation. This is how the hybrid car came to be.

Due to the economic crisis, some people may collapse psychologically but others are strong enough to face the fact and continue to be strong for themselves and their family. Obviously the second group has the stronger positive energy. They are able to convert their sadness and anger into positive energy to move forward in their lives. You too must decide to transform any negative feelings into a positive state.

Explore Your Hidden Power

Any negative feeling you have can be a turning point if you are able to handle it well. It may not provide you with joy but it may also be the seed of courage you need. When you experience any negative feeling, it is unwise to fight it. Negative feelings are like quick sand; the more you fight, the deeper you sink.

Take fear, for instance. The more you fear handling a new and important customer for your company, the more likely you are going to lose the customer. However, when you see it as a challenge and think positively, you will do better. Your boss has seen the potential in you, which is why he allowed you to handle this major customer. Thinking in this manner will encourage you to want to succeed and perform your very best.

Fear can be a positive energy in the way that it gives you the courage to step forward and take action when faced with new challenges. Therefore you should first understand your fear and then overcome it by taking the right action. Do not let your past experience prevent you from advancement.

Take charge of your own energy and your effort will bear fruit.

At Lawrence Walter seminars, participants discover our definition of challenge, which is an opportunity to improve themselves, change the system, strategise and add new knowledge so that they can move on to the next level.

Start Your Day with an Exhilarating Energy Level

Kick-start your day with high energy! This will influence the people around you positively. Your colleagues and even your boss will start feeling good whenever you are around. But where do you obtain this high energy?

In fact, the energy is already in you - you are your energy. How you start your day will very much influence your energy level. If you usually oversleep, skip breakfast, arrive late at work and get scolded by your boss, then mess up everything you touch during the day, you will very much convince yourself that “Today is a bad day”. However, it is you who have spoiled the mood of your day!

To get a good start for the day, you can organise your own timing – avoid rushing and panic. Instead, learn to control your time in the morning. Schedule and make a checklist of things to do for the day. This will motivate you to create a sense of enjoyable urgency and help you make good use of the many opportunities in a day to do well. Make a passionate decision to energise yourself in the morning.

Avoid Negative Energy

Human beings are easily influenced by others. When the people around you contain more negative energy, the probability of you reacting negatively will be higher. If you allow the negative energy to flow in you time and again everyday, then a new negative habit will be formed. Some people are even addicted to those negative habits.

Here are some examples of negative sources and what you can do with them:

Some people have the bad habit of pointing out or highlighting the negative aspects of everything, which hold them back from taking action. Maybe they were even depressed at some point. Therefore you need to be mentally strong to prevent your energy from being sucked by these negative people.

In order for you to maintain your positive energy, there are a few methods that you may use when facing people with negative energy. Change your topic of conversation. You may ask the person to think of any happy occasion and lead him to look at all the beautiful things in life or at work. When both of you are talking about good things, there is no way for negative feelings to sustain.

If this person is your close friend, then share subjects of common interest that lead him or her to a positive feeling. It could be a movie or a hobby that you have just come across or experienced.
Sometimes, people in your office who are often critical may also affect your energy level. Yes, they could be providing some useful information for improvement but it may also drain your energy.

Therefore, you should control your emotions wisely and be mentally strong. If possible, ignore them or stop them immediately when they start giving unnecessary and petty comments, then tell them the impact of their verbal abuse towards you.

Your Own Negative Energy

There are times where you feel like a deflated balloon and feel too exhausted to do things. At this point, you need to transform your negative energy like anger, frustration and depression by sending positive words and positive thoughts to your mind. Injecting the right thoughts can stimulate you instead of putting you down.

Think of what wealth can bring you rather than poverty; what success can bring you rather than failure.

The way you think actually affects the inner child in you. Using words like stupid, weak, ugly, unlucky, failure or any other negative labels on yourself can bring long-term, internal damage to your self-esteem.

Do you know that these negative inputs can stunt your energy growth, sap your energy or even lead you to failure in life? In order for you to live a better quality life, start your day with positive thinking and recognise the good things in your life. This will rejuvenate you to move towards your ambition and dream.

Make the Change Now

Have you come across a time when you suddenly feel so energetic, especially when you are involved in certain activities? That is the time when you are building a positive mindset and creating positive energy within yourself. Being the architect of your mind’s landscape is very important in helping you gain, rebuild and sustain positive energy.

Start today!

Article contributed by Dr Lawrence Walter Ng, chief master trainer and author of Passion for Extraordinary Performance

::From The Day You Start Working::

2009-03-05T08:49:00.000+08:00

Salam & Wonderfull day to everyone! :-)

Firstly, may I share this wonderful quote --

"The first step toward change is acceptance. Once you accept yourself, you open the door to change. That's all you have to do. Change is not something you do, it's something you allow". Will Garcia

Secondly, I want to illustrate example of a life journey of a person, from the day he/she starts working till retirement days...

Ahmad is a 23 year old fresh graduate. Started working in a XYZ company with starting salary of RM2,000 per month. Ahmad will be retiring in 32 years time (Normal people retire at 55). He rented in KL, still single & a heavy smoker. In urban area, the minimum inflation rate is at 6% & it could be more if you're a smoker!

With his RM2,000 income per month, 80% woule be his expenses per month, that will be equal to RM 1,600. When he is 55, with inflation rate at 6%, the future value of RM1,600 will be RM10,861. http://www.oneinvest.com.my/calculators/financial_calculator.asp

This figure remains true if his monthly income remains at RM1,600 per month from the first day till retirement!

Remember, when your salary increases, so does your expenses? :-) When you decided to get married, for example, your expenses shoot up! When you have a baby, for example, your expenses shoot up! When U moved to a new house, your expenses shoot up!

So, let say the minimum expenses for majority Malaysians are RM3,000 (if U had more, U can use the calculator above to work out on your own or email me to assist you further! :-) )

Rm3,000 now, 30 years from now, the future value would be = RM18,067.

Next, Ahmad got to decide who long will he be in his retirement days! Can he decides how long to live? NO Right? hehehe

Unless you die instantly right after you're 55, U got to think of your retirement funds starting from the 1st day of your working day!!!

Some research has been done in Insurance industry, average M'sia lifespan for Men is 72 and Women is 75. So, Ahmad got to prepare his retirement funds to cater for the next 15-20 years in retirement! Remember: During retirement, U got no other income except for what ever savings, rents that you have built all these working days... :-)

So, taking RM18,067 x 12 months x 15 years = RM3,252,060! Yes, it is RM3 MILLION!

* Have you started a plan to get to your retirement days income?

* Do you want to RETIRE RICH or RETIRE at Rumah Kebajikan?

* Do you want to prepare for your retirement needs?

* If I can show you there are ways to RETIRE RICH, would you be interested to know?

* Do you want me to serve for your retirement needs?

I am very happy to provide my service.

My name is Ida Azerin Razali & I'm a Financial Consultant from Public Mutual Berhad.

I can be contacted at 012-3215190.

My service is throughout Malaysia as I have branches in JB, Malacca, N.9, Perak, Pulau Pinang. New branches in East Coast will be ready soon too! :-)

Lastly, I wish all of you a happy retirement. You REAP what you SOW. 20 years from now, would you say "I'M GLAD I HAVE INVESTED" or "I WISH I HAD INVESTED".

The choice is yours, SOW the seed today, so that you'll have a bountifull TOMORROW.

Thank you for your time. Take care.

Majority neglect retirement plans

2009-03-04T20:29:00.000+08:00

Friday March 14, 2008.
The Star Online

KUALA LUMPUR: More than half of Malaysian workers have not prepared for retirement while those who have, only started planning after age 40, according to a survey.

The average age working Malaysians began preparing for retirement was 41, while retirees said they did so at 47.

“That’s way too late. It doesn’t give them enough time to build their retirement fund,” Axa Affin Life Insurance Bhd branding and communications head Cheah Leng Sooi said in announcing the findings of the AXA Retirement Scope 2008.

In the survey carried out by research house Synovate, 313 working people aged 25 and above and 319 retirees aged below 75 in urban areas were interviewed over the telephone.

The survey, part of a global study conducted in 26 countries and involving 18,000 respondents, was undertaken for the first time in Malaysia, from July 23 to Aug 27 last year.

Among those who had planned for retirement, most began after they married, had children, or fell into financial difficulties or had health problems, Cheah said.

Their sources of retirement income included life insurance, Employees Provident Fund and personal savings.

The retired saved an average of RM478 a month, and the working RM704, figures that were considered low compared with other countries.

“Malaysian retirees feel that their retirement income is insufficient to cover household expenses. Their average income is RM1,243 but the amount they need is RM1,568 – a deficit of RM325,” she said.

In comparison, Singapore’s average retirement income is RM3,690, and the amount needed RM3,465; while Thailand’s average income is RM1,276, and the amount needed RM903, according to the survey.

The disparity between high and low income earners in Malaysia is wide, the high-income retirees having four times more than those with low income, the survey found.

Despite insufficient income, three-quarters of the retirees said their quality of life had improved if not remaining the same, while 83% of the working group expect their quality of life to improve or remain the same.

Miskin selepas pencen -- Dengan purata caruman RM114,000 pesara belanja RM475 sebulan

2009-03-04T20:24:00.000+08:00

19/10/2007
oleh: Nizam Yatim

KUALA LUMPUR 18 Okt. – Kumpulan Wang Simpanan Pekerja (KWSP) mempunyai caruman terkumpul berjumlah RM224 bilion sehingga Disember 2006 namun secara purata simpanan seorang pencarumnya yang mencapai usia 55 tahun cuma RM114,000.

Dengan simpanan sebanyak itu, seseorang pencarum KWSP yang bersara hanya mampu membelanjakan RM475 setiap bulan bagi membolehkannya menampung hidup sehingga usia 75 tahun.

Perbelanjaan RM475 sebulan akan meletakkan pesara berkenaan dalam kategori golongan berpendapatan di bawah paras kemiskinan.

Pendapatan orang yang dikategorikan miskin di Semenanjung kini ditetapkan RM530 sebulan, Sarawak (RM585) dan Sabah (RM685).

Pengurus Kanan Perhubungan Awam KWSP, Nik Affendi Jaafar memberitahu, pada masa ini purata caruman terkumpul kira-kira 47,500 pencarum KWSP yang akan genap umur 55 tahun pada tahun ini ialah RM114,000.

“Jumlah simpanan ini tidak mencukupi berdasarkan anggaran mereka akan menggunakan wang itu selama 20 tahun berikutan jangka hayat yang semakin panjang serta kos sara hidup yang terus meningkat,” katanya kepada Utusan Malaysia dalam satu temu bual di pejabatnya di sini.
KWSP mempunyai kira-kira 11 juta pencarum dengan 47,500 orang akan mencapai umur bersara pada tahun ini.

Menurut Nik Affendi, bagi memastikan pencarum KWSP dapat bersara dengan selesa, setiap ahli dana pencen itu perlu mengubah sikap mereka yang berharap sepenuhnya kepada caruman KWSP untuk menampung hidup selepas bersara.

“Caruman KWSP setiap bulan hanya melibatkan 11 peratus daripada gaji mereka, jadi masih terdapat 89 peratus pendapatan pencarum yang boleh digunakan untuk membuat pelaburan yang akan menghasilkan pulangan tetap pada usia tua,” ujarnya.

Nik Affendi menasihatkan para pencarum supaya berhemah ketika membuat pengeluaran awal sebelum persaraan membabitkan pelbagai skim yang telah disediakan oleh KWSP termasuk pengeluaran rumah, pendidikan dan kesihatan.

“Jika mereka mempunyai sumber lain, simpanan KWSP harus dijadikan sebagai pilihan terakhir,” tegasnya.

Ditanya mengenai langkah-langkah yang telah diambil bagi memastikan simpanan persaraan setiap ahli bertambah, katanya, struktur akaun ahli KWSP telah disusun semula daripada tiga akaun kepada dua mulai 2 Januari lalu.

Sebelum ini, sebanyak 60 peratus daripada caruman bulanan ahli dikreditkan ke dalam Akaun I manakala 30 peratus ke dalam Akaun II dan 10 peratus ke dalam Akaun III.

Penstrukturan itu menyebabkan Akaun I – yang khusus untuk tujuan persaraan dan hanya boleh dikeluarkan setelah pencarum mencapai usia 55 tahun – ditingkatkan sebanyak 10 peratus kepada 70 peratus.

Selaras dengan perubahan itu, ujar Nik Affendi, pengeluaran kesihatan yang sebelum ini hanya boleh dibuat daripada Akaun III kini boleh dikeluarkan daripada Akaun II.

Wang dalam Akaun II yang melibatkan 30 peratus caruman ahli juga boleh dikeluarkan untuk pembiayaan perumahan, kesihatan, pendidikan dan apabila cukup umur 50 tahun.

Sumber

5 Vital Habits Of UTCs

2009-03-03T00:12:00.000+08:00

"The Past Does Not Equal The Future!" - There are still room for improvements if you decided to change & take actions! :-)

The 5 vital habits of Unit Trust Consultants:

1. Habits of Learning

2. Habits of Planning

3. Habits of Prospecting

4. Habits of Selling

5. Habits of Building Relationships

::Habits & Self-Discipline::

2009-03-03T00:08:00.000+08:00

"Successful people form the HABIT of doing the things failures do not like to do"

"Self-Discipline is doing the things you have to do, when you have to do it whether you like it or not"

"Do not minor on the major and major on the minors - Minor on the minors & major on the majors!" - There is a time for everything BUT not all the time...

"Do or Do Not, there is no TRY" - Yoda Master

Still not sure which career to go...?

2009-03-02T18:33:00.000+08:00

One of my 'Icon' in this career. Since 2004, each time when I met her, soalan pertama yang akan keluar daripada mulut beliau adalah "Sudah Resign ke Belum??? Kalau belum, jangan kawan dengan saya".

Walaupun begitu, saya tidak pernah putus asa. Setiap kali ada TALK yang beliau akan beri, saya pasti akan berada di sana. Setiap kali ada events, saya pasti akan bersalam dengan beliau. Yes, soalan kat atas tu memang confirm beliau akan bertanya...

4 tahun selepas itu... Dengan penuh keyakinan, saya pergi berjumpa dengan beliau dan tak sabar nak cakap kat dia... Kak Zizah!!! I da resigned! YES! :-)

She will said, "TAHNIAH!!! Menyesal ke tak berhenti awal?"

and I said "YES" menyesal tak berhenti awal. Especially waktu 2007, ramai gile jadik jutawan di Public Mutual. Anyway, semua yang berlaku ada hikmahnye... If I was at peak in 2007, definitely in 2008 I was at the bottom. But, alhamdulillah... it was not the case as I double up my Service Values in 2008 :-) *where mostly ppl are complaining their SV was at the lowest in the history...

Ok, enough of that... I nak berkongsi cerita tentang this wonderful GAM. She is not my direct upline. Bau-bau bacang pun tak ada. Tetapi beliau ni tidak pernah kedekuts ilmu. All of us in Public Mutual believe in ABUNDANCE! :) The more your share.... the more benefits you'll get from the divine...!

She was intervied pada 12/3/2007 (Wow! it was 2 years back eh....) *definitely banyak yg da berubah now... ;-)

May I share with you.... her stories... jeng jeng jeng...

Mukadimah

SEBAHAGIAN daripada kita mungkin pernah dilanda rasa bosan dengan pekerjaan yang dilakukan. Berpuluh tahun melakukan rutin sama sehingga kadangkala bagaikan ‘mengheret’ kaki ke pejabat setiap pagi. Terikat dengan pelbagai komitmen, keinginan untuk berubah kerjaya kerap terbantut apatah lagi apabila gagal mencari kerjaya lain yang sesuai.

Begitupun, bak kata Pengurus Agensi Kumpulan (GAM) Public Mutual, Azizah Saad, 39, kalau tidak dipecahkan ruyung manakan dapat sagunya. Setiap perubahan yang ingin dilakukan pasti ada risiko, terpulang kepada kemahuan dan keazaman untuk menjayakannya.

Ini juga adalah antara kunci kejayaan ibu tunggal kepada tiga cahaya mata, Sharifah Aisyah Akmal Syed Ahmad Akmal, 14, Syed Aiman Akmal, 12, dan Syed Aniq Akmal, sehingga meraih gelaran sebagai perunding unit amanah nombor satu bagi bumiputera dan ke dua terbaik bagi keseluruhan di Public Mutual.

Ikuti temu bual bersama wartawan, Siti Zaleha Jorimai dan jurugambar, Halim Khalid bersama wanita cemerlang ini.

Keluarga: Apakah sebenarnya unit amanah?

Azizah: Unit amanah ialah skim pelaburan kolektif yang diurus secara profesional dengan mengumpulkan wang seorang individu dan ribuan pelabur lain. Pengurus pelaburan yang pakar kemudian akan melaburkan wang tersebut bagi pihak pelanggan untuk mencapai sasaran yang ditetapkan mengikut matlamat pelaburan dana tersebut

Apa pula peranan perunding unit amanah (UTC) seperti anda?

Secara profesionalnya, kami bolehlah dikatakan perunding perancang kewangan. Kami membantu individu merancang simpanan mereka dalam tempoh sederhana (tiga tahun) dan jangka panjang (lebih lima tahun).

Setiap orang mempunyai matlamat berbeza. Di sinilah peranan kami bermula, dengan memberi pelan perancangan simpanan yang bersesuaian dengan individu tersebut.

Kami sekadar memberi panduan. Pilihan dan bentuk simpanan masih terpulang kepada individu berkenaan. Memanglah pelaburan yang dibuat ada turun naik mengikut harga pasaran, tetapi risikonya amatlah rendah dan kita boleh mengendalikan risikonya dengan baik

UTC yang komited dan terlatih akan membantu pelanggan mencapai matlamat pelaburan tersebut.

Mungkin anda ada panduan dalam memilih unit amanah yang terbaik?

Pertamanya, individu tersebut perlu memahami objektif simpanan tersebut sama ada untuk pendidikan, pembelian harta, simpanan untuk hari tua dan sebagainya. Seterusnya, mereka mesti bijak mencari syarikat pengendali unit amanah yang konsisten dalam memberi pulangan dan keuntungan.

Komitmen seorang UTC juga penting bagi individu tersebut mendapat khidmat nasihat yang terbaik terhadap pelaburan mereka.

Bagaimana mahu dari segi membina kerjaya sebagai UTC berjaya?

Kerjaya ini menjanjikan pendapatan mengikut seberapa banyak anda mahu. Apa yang penting kesungguhan dan kesanggupan untuk berkerja keras kerana kerjaya ini adalah perniagaan anda dengan modal serendah RM247.50 (yuran peperiksaan Persekutuan Pengurusan Unit Amanah Malaysia sebagai lesen menjadi UTC).

Dalam pada masa sama, pastikan syarikat yang disertai mempunyai catatan rekod yang cemerlang dan konsisten dalam memberi keuntungan kepada perunding dan pelabur.

Bagi saya ada tiga kunci utama untuk berjaya dalam bidang ini iaitu komitmen, boleh menerima tunjuk ajar dan keinginan atau kemahuan yang tinggi. Dengan ketiga-tiga ciri ini sesiapa pun boleh buat tidak kira lepasan universiti atau lulus sekadar lulus Sijil Pelajaran Malaysia (kelayakan minimum).

Boleh ceritakan perjalanan anda dalam mencapai kejayaan seperti sekarang?

Selepas tamat kursus kesetiausahan di Institut Teknologi Mara (sekarang UiTM) pada 1989 saya sempat bekerja sebagai setiausaha di bank. Sekian lama bekerja di situ, saya sedar kerja makan gaji tidak membawa saya ke mana-mana.

Saya kuat percaya untuk kaya hanya dengan berniaga. Dalam Islam sendiri menyebut sembilan daripada 10 rezeki melalui perniagaan.

Sebenarnya, dari zaman sekolah lagi saya sudah pandai cari duit sendiri. Saya bekerja di restoran dengan umpah RM4. Keluarga saya orang susah, bapa kerja nelayan dan emak pula suri rumah. Abang dan kakak saya tidak berpeluang bersekolah tinggi semata-mata untuk memberi laluan kepada adik-adiknya mendapat pendidikan yang lebih baik.

Ketika ditawarkan masuk ITM, berdikit-dikit ayah kumpul duit untuk bayar yuran dengan dibantu abang. Masa di kolej juga saya cuba cari duit sendiri. Saya ‘ambil upah' mencuci rambut kawan-kawan, dapat 50 sen seorang, lepaslah duit makan. Saya pernah juga beli nasi lemak di luar kemudian saya jual balik pada kawan-kawan di kolej dengan mengambil untung sedikit.

Walaupun apa yang saya lakukan nampak kecil, sebenarnya ia memberi pengalaman dan pengajaran berguna pada saya terutama dalam memahami dunia perniagaan.

Sebelum menyertai unit amanah, segala bentuk perniagaan saya buat daripada jualan langsung hingga kepada menjadi agen insurans. Ketika itu walaupun tidak mempunyai ramai kenalan di Kuala Lumpur, saya beranikan diri menegur dan menghubungi sesiapa saja yang berpotensi menjadi pelanggan saya. Cubaan menjadi agen insurans berhasil sehingga meraih pendapatan sekurang-kurangnya RM5,000 sebulan. Ketika itu saya mengambil keputusan berhenti kerja tetap kerana tidak mampu mengimbangi dua pekerjaan sekali gus.

Ketika situasi insurans kurang memberangsangkan disebabkan kejatuhan ekonomi pada 1998, pendapatan saya merosot sehingga ke RM1,500. Saya panik, tetapi bernasib baik mendapat peluang menjadi UTC selepas diperkenalkan oleh seorang rakan.

Apakah cabaran yang dihadapi selepas menyertai unit amanah?

Saya menyertai bidang ini dengan pengetahuan yang kosong dan tak tahu apa yang saya jual. Namun, saya punya keinginan yang kuat dan berusaha mendalami setiap aspek perniagaan ini.
Selepas melalui saat jatuh bangun, Alhamdulillah, berkat kerja keras dan kesungguhan akhirnya berhasil. Pada tahun lepas saja jualan kumpulan saya mencecah RM122 juta. Saya mempunyai seramai 200 UTC dan seorang GAM terus di bawah saya.

Saya menyimpan cita-cita untuk menghasilkan 50 GAM dalam tempoh 10 tahun lagi. Saya yakin ia mampu dicapai jika ada kesungguhan dan keazaman.

Apa resipi kejayaan anda sehingga ke tahap sekarang?

Sebagai UTC , pertama sekali sanggup berhadapan dan menerima risiko ditolak. Saya selalu ingatkan kepada anak-anak didik saya bahawa penolakan bukanlah sesuatu yang peribadi sehingga boleh menyebabkan kita jatuh. Sebaliknya, dijadikan pendorong untuk terus berusaha.

Keduanya, saya memilih orang yang tepat untuk saya rekrut. Memilih orang yang tepat tidak bermakna yang berpendidikan tinggi saja sebaliknya, mereka yang menunjukkan kesanggupan untuk berusaha. Kalau diletakkan sasaran dia akan memastikan sasaran itu dapat dicapai.

Sebagai ketua yang baik saya juga perlu bijak untuk memberi motivasi kepada orang di bawah saya untuk terus bersemangat.

Jika anda teruja selepas membaca cerita ini, apa kata kita sama-sama menuju kejayaan sebagai Perunding Unit Amanah Bersama Public Mutual Berhad? :-)

I'm on my way to be like Azizah Saad...

My goal this year are to expand my agency members to 150 active UTCs and 10 Agency Supervisors.

Saya YAKIN Saya BOLEH!

Contact saya jika anda berminat untuk menceburkan diri di dalam bidang ini ya!

Loves & Thanks,

Ida Azerin Razali

Agency Manager

012-3215190

Strategi 'beli dan tunggu'

2009-03-02T18:24:00.000+08:00

Sekarang masa paling sesuai bagi pelabur menjana wang dengan membeli saham amanah!

Berita Harian, 24 Februari, 2009

BzBeeZ Consultans! Reach out to your clients and your potential clients! :-)

It All Begins With A Goal

2009-03-02T08:43:00.000+08:00

21st National Sales Convention & Annual Awards Nite 2010

The National Sales Convention (NSC) is an annual sales contest designed to motivate UTCs to achieve higher sales targets. The contest culminates in a convention held to honour UTCs who have succeeded in achieving targeted sales at the end of the contest period. It is a one-day convention where distinguished speakers will conduct educational and motivational seminars, and where awards and rewards will be presented to high-achievers.

The Annual Awards Nite (AAN) is a night of splendour. Entertainment and awards presentation are held to honour all NSC qualifiers and top achievers in their respective categories. Top achievers will be given awards and cash rewards on top of the management and peers' recognition.

I leave you with an interesting article from Star METRO, dated 20th January 2009

IT ALL BEGINS WITH A GOAL!

- Success is about working towards what you want to achieve

Conrad Hilton, the founder of the Hilton chain of hotels, said: “Success is made to order.” He was right. An achievement is a sum total of many things — talent, aptitude, knowledge and desire. If you analyse each of your achievements, you will soon discover that it all started with the goal that you wanted to achieve.

Well-defined goals, tackled with competence and confidence through a proper plan of action, are the building blocks of achievements. They are our escalators to tomorrow, a vehicle that takes you to success.

What are some of the important points to remember when you go about setting goals and planning for them?

SET SMART GOALS

It is very important that your goals be specific, measurable, attainable, realistic and timebound.

PUT YOUR MIND TO IT

Swami Vivekananda, the influential Indian spiritual leader, is credited with introducing the philosophies of yoga and vedanta (quest for self-knowledge) to America and England.

Once when he was in America, he saw some kids standing on a bridge, shooting eggshells floating in the lake. The children were always off target. Swami took a gun, stood still for few minutes and then fired 12 shots. Each time it hit an eggshell.

He turned around and told the awestruck boys: “Whatever you do, put your whole mind into it. If you’re shooting, your mind should be on the target. If you’re learning, think only of the lesson".

BE ENTHUSIASTIC

The worst bankrupt is the person who has lost enthusiasm. Lose everything but enthusiasm and you will come through your trials and find success. Of course there will be difficulties and obstacles in life. There are two possible attitudes to take at such times.

One is to let the difficulties discourage you, making you feel helpless and hopeless. That attitude is disastrous. The other way is to cultivate a positive attitude towards what you can do to solve the problem in the best manner possible.

TAKE EFFECTIVE DECISIONS

Most people have no idea how much stress they can create through indecision.

If you are the kind of person who cannot decide between two courses of action, afraid that the course you choose might turn out to be a mistake, bear in mind that indecision is expensive and nearly always the worst mistake you can make.

Some decisions require a great deal of thought and plenty of information. But once all the facts are available, the successful individual will reach a decision and stop thinking about the various pros and cons, so that he can devote all his energy and effort to making the decision work.

AVOID PROCRASTINATION

Procrastination is the greatest disease that afflicts mankind. Although the disease is widespread, it is important that you do not ignore it.

Successful people do not procrastinate, especially in matters they know are important to them.
As someone has rightly said, “People don’t fail because they intend to fail. They fail because they fail to do what they intend to do".

— Source: Straits Times/Asia News Network
Article by Nikhil Desai, an international speaker, motivator and trainer.

21st Kick Start Campaign

2009-03-02T00:09:00.000+08:00

Kaizen! Team, remember this campaign!! Ends 31st Mac 2009.

Due date to submit EPF investment is 13th Mac 2009 (FRIDAY!!!)

Fikirkan BOLEH!

Jika kau fikirkan kau boleh

Kau hampir boleh melakukan

Jika kau fikirkan ragu-ragu

Usahamu tidak menentu

Jika kau fikirkan kekalahan

Kau hampiri kegagalan

Jika kau fikirkan kemenangan

Kau hampiri kejayaan

Engkaulah apa kau fikirkan

Terkandung dalam pemikiran

Kau fikir boleh melakukan

Fikirkan BOLEH

Percaya apa kau lakukan

Tabah apa kau usahakan

Bertindak atas kemampuan

Engkau BOLEH!

We are RECRUITING!

2009-02-27T21:28:00.000+08:00

1. What is the 1 thing you dare to DREAM if you know that you will not FAIL?

2. Do you sometimes feel you aren't making enough progress in your job & life?

3. Is your present career challenging & provides extra remuneration?

4. Would you be willing to change career to the career of your choice, if you know that you can succeed?

5. Does the idea of working for yourself interest & excite you? Have you had such thoughts?

6. What is the highest income you can achieve in your career and how long it will take?

7. Can you achieve your financial goals in your present job?

8. Which post attract you most in a company?
- CEO?
- Director?
- Manager?
- Executive?
- Clerk?

9. If you could rewind the clock, would you want the same job?

" The best way to predict your future is to create it NOW!" - Your decision today will reflect the results tomorrow!

"THE IMPOSSIBLE IS OFTEN THE UNTRIED" - When was the last time you challenge yourself?

Join Us As A Unit Trust Consultant!

Have you ever thought or had these syndroms before or right now...?

- You don't like 9-5 job that force you to work like a donkey but earn like a monkey?

- You want to escape the corporate rat race where normally they practice rat-eat-rat mentality to succeed?

- You want to get promoted but your boss tak suka you? Dia KIV your promotion?

- You want to start a business but CAPITAL is an issue?

- You want to travel oversea every year FOC? Honeymoon every year FOC?

- You want to work from home?

- You want to enjoy the opportunity of unlimited income?

- You want to escape the massive traffic jam during peak hours?

- You want to take leave but your boss reject like that company belongs to his mak bapak?

- You want to build and leave a legacy to your anak cucu?

- You want to have more time with your family?

- You want to send and take your kids to and from their schools?

- You have lots of friends and want to hlp them?

- You want to create jobs for newly graduates to help the government and the ppl?

- You hate your current salary? Gaji-Habis-Bulan- Belum-Habis!?

- Your ideas always been rejected? You can't be creative?

- You want to say to your boss... enough, YOU ARE FIRED??!

etc etc etc

Why not join us to be a Unit Trust Consultant!?
Be it Full Time or Part Timer...!

Because YOU deserve to have a well-paid & fulfilling career in an industry that is enjoying explosive growth in Malaysia.

You know anyone having above syndroms too?

Let us meet gather2 to know more about the opportunity! If you ever change your mind, do contact me!

Bit of info...
I used to work as:

- R&D Electrical Enginer @ Motorola Penang for 8 months
- System Engineer @ JARING for 1 year
- Executive Officer to CEO @ MIMOS for 3 years- another slavery jobs @ MIMOS for about 1 year &

Now, I'm happily Resigned from makan gaji & I wish I had done this business full time earlier!

Anyway, I'm glad & thankful to have known this business/career year 2004.

With Public Mutual,

- I joined in April 2004.
- Promoted as Agency Supervisor in September 2005.
* 4 years of doing this business slowly & PART TIME! :-)
- Promoted as Agency Manager in May 2008.

- Every year enjoy FREE oversea trips!!!
* I straight away resigned & never looked back! :-)
- Currently managing close to 60 UTCs & 3 Agency Supervisors.
* Planned to expand to 150 UTCs in 2009! Yes I can & Together we CAN!

* Among Private Unit Trust Companies in term of Total Net Asset Value managed & Awards received, local as well as international.

--
Together-gather, Change and Grow Stronger with Planning in 2009!

With Love & Thanks,

Ida Azerin Razali a.k.a CHO
Agency Manager

Public Mutual Berhad
HP: 012-3215190

Reminder – Warning on Unlicensed/ Unapproved Investment Schemes

2009-02-26T00:43:00.000+08:00

::Message from the Company::

We would like to remind that, The Securities Commission (SC) has on various occasions alerted all investors not to make any investment with companies that are not licensed or approved by the SC.

In view of the above, we would like to remind our Unit Trust Consultants to refrain from being involved either directly or indirectly in such investment schemes.

The Management views the above seriously and will not hesitate to take disciplinary action if anyone is found to be involved in the above mentioned activities.

Most Outstanding Islamic Fund Manager Award for 2nd consecutive year

2009-02-25T17:44:00.000+08:00

Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow (left) proudly receiving the Most Outstanding Islamic Fund Manager Award from Y.B Tan Sri Nor Mohamed Yakcop, Minister of Finance II.

Public Bank’s wholly-owned subsidiary, Public Mutual won the Most Outstanding Islamic Fund Manager award for second consecutive year at the 5th KLIFF (Kuala Lumpur Islamic Finance Forum) Islamic Finance Awards 2008 ceremony. The award was presented by Y.B Tan Sri Nor Mohamed Yakcop, Minister of Finance II to Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow during the award presentation ceremony which was held on 18 November 2008 at the Istana Hotel Kuala Lumpur.

The 5th KLIFF Islamic Finance Awards 2008 is organised by The Centre for Research and Training (CERT) together with the host, Halal Industry Development Corporation (HDC), and in collaboration with Dow Jones Islamic Market Indexes (DJIM), the International Institute of Islamic Finance (IIIF) and Messrs Hisham, Sobri & Kadir (HSK).

Tan Sri Teh expressed pride that once again Public Mutual is bestowed this prestigous award. “This award represents the 121st award won by Public Mutual since 1999. Winning this award not only reinforces our position in the Islamic unit trust industry but also affirms our commitment to excellence,” he added. Tan Sri Teh dedicated the award to Public Mutual’s board of directors, the management, staff, agency force and the investors for their unwavering support and trust over the years.

Public Mutual is a leading player in the private Islamic unit trust fund sector in Malaysia. As at end September 2008, it manages 24 Islamic funds with total Islamic assets under management of RM8.5 billion. This represents 50.7% market share of the private Islamic unit trust industry. The company is also the most awarded Islamic unit trust fund manager in Malaysia, winning a total of 32 Islamic Fund Awards. This includes the "Best Islamic Fund Manager in Asia 2006 & 2007" awarded by Failaka Advisors, Dubai, a recognised leader in the field of Islamic fund research.

Public Mutual is Malaysia’s largest private unit trust company with 67 funds under management. It has over 2,000,000 accountholders serviced by over 40,000-strong unit trust consultants. As at end September 2008, the total net asset value of the funds managed by the company was RM24.1 billion.

Sharing: Wise Saying

2009-02-25T17:42:00.000+08:00

Often people attempt to live their lives backwards: they try to have more things, or more money, in order to do more of what they want so they will be happier. The way it actually works is the reverse. You must first be who you really are, then, do what you need to do, in order to have what you want.

Margaret Young

Public Mutual swept 7 awards, including Best Overall Fund Group Award

2009-02-25T17:34:00.000+08:00

Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow (right) receiving the prestigious Best Overall Fund Group award from YAB Dato' Sri Mohd Najib bin Hj Tun Abdul Razak, Deputy Prime Minister and Minister of Finance 1 (left)

Public Bank’s wholly-owned subsidiary, Public Mutual emerged for the sixth consecutive year as the biggest winner at The Edge-Lipper Malaysia Fund Awards 2009 by winning 7 of the 24 awards, including the prestigious “Best Overall Group” award.

Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow expressed pride that once again Public Mutual emerged as the biggest winner at The Edge-Lipper Malaysia Fund Awards 2009. “These awards reflect Public Mutual's commitment to do its utmost to give value to our investors,” he said.

He dedicated these awards to Public Mutual’s board of directors, management, staff, agency force and the investors for their unwavering support and trust over the years.

Tan Sri Teh and the management team were on stage to receive the awards from YAB Dato' Sri Mohd Najib bin Hj Tun Abdul Razak, Deputy Prime Minister and Minister of Finance 1 during the award presentation ceremony held at the Mandarin Oriental, Kuala Lumpur.

No Fund / Company Category
1 PB Growth Fund Equity Malaysia 5 years
2 Public SmallCap Fund Equity Malaysia Small and Mid Caps 5 years
3 PB Balanced Fund Mixed Asset MYR Balanced 5 years
4 Public Islamic Bond Fund Bond Malaysian Ringgit - Islamic 5 years
5 Public Bond Fund Bond Malaysian Ringgit 10 years
6 PB Balanced Fund Mixed Asset MYR Balanced 10 years
7 Public Mutual Berhad Best Overall Group Award

Public Mutual is Malaysia’s largest private unit trust company with 67 funds under management. It has over 2,000,000 accountholders serviced by over 40,000 unit trust consultants. As at 31 December 2008, the total net asset value of the funds managed by the company was RM23.3 billion

www.publicmutual.com.my

Motivational Talk

2009-02-25T17:20:00.000+08:00

Tickets are running fast. Register now!

Those who I've registered:

1. Shazana

2. Hartene

3. Ahmad Erwan

4. Hamidon

5. Abdul Malek

6. Sam

7. Myself

C u Saturday @ 9am.

Medical or Hospitalization Protection

2009-02-25T17:12:00.000+08:00

My Dear Public Mutual Investors & Friends,

I've met with lots of people who said "It is OK. I don't need this because my company provide all these benefits". Before this, I'm OK with such statement. Not until 1 day (few weeks back), I met with 1 investor in Cheras.

He is 57 year-old and was a PETRONAS staff. Selalu travel & work overseas. Serious, memang banyak duit. Same statement was uttered jugak masa dia bekerja. Tapi NOW dia menyesal lah.

The minute dia retired, tak lama lepas tu... He was diagnosed with Sakit Buah Pinggang. Kidney dia failed! Yang menyedihkan... Dia da tak covered by his company!!! :(

So, apa lagi... kena la digged from his EPF funds! (remember, gov buat kajian, duit2 EPF bila retire, 70% of us, abes kan in 3 years???)

Uncle ni tadi, spent RM60,000 for the 1st year. Imagine, that money gone for his medication ALONE. Ni tak masuk lagi nak kasik anak-bini makan (wife tak keje)... duit petrol untuk transport him ulang-alik ke Hospital, 3-kali seminggu dan lain-lain! :-(

2nd year dia cakap... da tak larat.... dia terpaksa mintak duit Baitulmal... He got a choice masa dia bekerja dahulu. But his choice probably, he regretted la now...

How about you? Are you well covered? Definitely, I don't want such things happening to any of you.

For those who have covered, congratulations! :-)

For those haven't, why not have a look at what we at Public Mutual has to offer. Especially those with kids, we have FAMILY Plan @ affordable rates.

Contact me for further steps.
Take care peeps...

Loves & Thanks,
IAR

Choice of Plans and Premium Rates
Individual Plan
Overall Annual Limit
StandardRM25,000 Supreme RM50,000 Superior RM80,000
Age Group ANNUAL PREMIUM (age last birthday)
18 - 35 years 253 320 423
36 - 45 years 276 356 476
46 - 55 years 313 413 561
56 - 60 years 415 578 806
61- 65 years* 556 799 1139
(*Renewal only)

Family Plan
Overall Annual Limit
StandardRM35,000 Supreme RM75,000 Superior RM125,000
Age Group ANNUAL PREMIUM
(age last birthday)
18 - 35 years 605 771 1023
36 - 45 years 661 863 1156
46 - 55 years 751 1001 1368
56 - 60 years 1008 1411 1979
61- 65 years* 1363 1966 2810
(*Renewal only)

Mukaddimah

2009-02-25T17:01:00.000+08:00

Alhamdulillah...

To cater for the growing consultants in my agency, I believe it is timely to have this blog as a 2nd support system, besides the YahooGroup.

This is also one of my action this year to communicate with my group effectively and at low cost! :-)

I hope we can all fully utilize this amazing tools to expand our knowledge and skills as well as expand this business opportunities to the masses :-)

Do share your thoughts, feelings, experience etc. that are related to the Unit Trust Industry as a whole.

Monthly results, individual's achievement, Classes, Roadshows etc. will be shared too!

Check out this page regularly! Insyallah, I'll update almost everyday...

Keep on looking for new possibilities for your future! All the best. Kaizen!

Keep in touch & take care.

Loves & Thanks,
Ida Azerin Razali
Agency Manager
Public Mutual Berhad
idaazerin@gmail.com