How To Listen to Others, and Be a Good Listener?

I made some research on how we can improve our listening skills. This one is a very simple research, done via asking our little expert, Mr. Google.

So, here we go.

1) ASK

Listen to our audience/ speakers and ask for the very last item the speaker said. It is norm, and how Allah create our mind to only listen and catch the last words that the audience said.

2) NO DAYDREAMING

Yeah right. Jangan berkhayal depan orang lain guys. Day dream at your own time, not others :) . Their time are too precious to be wasted.

3) SET YOUR SUBCONCIOUS MIND

Kata Nabi, kalau nak jadikan sesuatu benda itu menjadi habit, lakukannya secara berturutan selama 21 hari. When it become a habit, we dont have to ask our mind to that habit, because it is already a habit! Habit is determined by our subconscious mind. So whenever we meet new people, set our subconscious mind to open and receive new ideas. Be open. 

4) BODY LANGUAGE

This is our unspoken words, that create huge impacts to our audience. Do response. Nod, show our interest, genuinely SMILE, do not interrupt while they are talking and FEEL what they trying to say.

So sahabat, we can be a good listener, if we want to.

Yes, it is time to start practicing. Happy practicing!

Read More

How Good Unit Trust Is, Compared To ASB?

Salam,


I did a simple calculation, on how to prove that unit trust scheme is way better than ASB or any other PNB's Amanah Saham.


Please note that the calculation is based on past performance profit.


Else, you may use this formula on how to use compounding calculation.


FV = PV (1+i)n (kuasa n)


FV = Future Value
PV = Present Value
n = years


Say, kita nak tahu berapa wang kita based on 6% profit for 5 years, initial investment is RM100,000.00


So


FV = 100,000 (1.06)5
      =RM 134,000.00


Interested to invest in mutual funds? Do call me 0169596235. We want to meet you :)

COMPARE UT, EPF, ASB & FD
A LUMP SUM INVESTMENT OF RM10,000 WITH INTEREST COMPOUNDED YEARLY
		FD		EPF		ASB		UT
Annual Interest Rate		3.00%	4.00%	5.00%	6.00%	8.00%	10.00%	12.00%	15.00%	18.00%
No of Accumulated Years	1	10,300	10,400	10,500	10,600	10,800	11,000	11,200	11,500	11,800
	2	10,609	10,816	11,025	11,236	11,664	12,100	12,544	13,225	13,924
	3	10,927	11,249	11,576	11,910	12,597	13,310	14,049	15,209	16,430
	4	11,255	11,699	12,155	12,625	13,605	14,641	15,735	17,490	19,388
	5	11,593	12,167	12,763	13,382	14,693	16,105	17,623	20,114	22,878
	6	11,941	12,653	13,401	14,185	15,869	17,716	19,738	23,131	26,996
	7	12,299	13,159	14,071	15,036	17,138	19,487	22,107	26,600	31,855
	8	12,668	13,686	14,775	15,938	18,509	21,436	24,760	30,590	37,589
	9	13,048	14,233	15,513	16,895	19,990	23,579	27,731	35,179	44,355
	10	13,439	14,802	16,289	17,908	21,589	25,937	31,058	40,456	52,338
	11	13,842	15,395	17,103	18,983	23,316	28,531	34,785	46,524	61,759
	12	14,258	16,010	17,959	20,122	25,182	31,384	38,960	53,503	72,876
	13	14,685	16,651	18,856	21,329	27,196	34,523	43,635	61,528	85,994
	14	15,126	17,317	19,799	22,609	29,372	37,975	48,871	70,757	101,472
	15	15,580	18,009	20,789	23,966	31,722	41,772	54,736	81,371	119,737
	16	16,047	18,730	21,829	25,404	34,259	45,950	61,304	93,576	141,290
	17	16,528	19,479	22,920	26,928	37,000	50,545	68,660	107,613	166,722
	18	17,024	20,258	24,066	28,543	39,960	55,599	76,900	123,755	196,733
	19	17,535	21,068	25,270	30,256	43,157	61,159	86,128	142,318	232,144
	20	18,061	21,911	26,533	32,071	46,610	67,275	96,463	163,665	273,930
	25	20,938	26,658	33,864	42,919	68,485	108,347	170,001	329,190	626,686
	30	24,273	32,434	43,219	57,435	100,627	174,494	299,599	662,118	1,433,706
	35	28,139	39,461	55,160	76,861	147,853	281,024	527,996	1,331,755	3,279,973

Read More

What Is Unit Trust?

So what is unit trust by the way?

"Unit Trust is a collective investment scheme that pools 

the savings of a large number of investors. The money collected is invested by the fund manager in different types of stocks, bonds, or other securities in various proportions depending upon the objective of the fund.

The income earned through these investments and the capital appreciation realized by the scheme, after deducting the trading costs and expenses of managing and administering the fund are paid out to the unit holders in proportion to the number of units owned by them.

Most of the unit trust funds in Malaysia are open-ended funds (the fund sells as many units as you and other investors want to buy and buys as many units you want to sell). This makes unit trust funds very liquid investments – though the price at which you sell may be less than your purchase price if the value of the fund has dropped.

You can make an initial investment with as little as RM1,000 and buy additional units when you have more money or invest a fixed amount on a regular monthly schedule via a bank account. Thus unit trust is the most suitable investment for the common man as it offers an opportunity to invest in a diversified, professionally managed portfolio.

Each Fund has a defined investment objective and strategy." - Signalinvest.com

Sounds very technical huh? Or feel this is not for you? 

Saya highlight kan beberapa main key point, which is very significant on how to understand unit trust better.

1) collective investment scheme - satu skim secara berkumpulan, melibatkan begitu ramai pelabur melabur untuk mendapatkan keuntungan. Kenapa ramai? Kerana lebih ramai pelabur, skim tersebut lebih berupaya untuk melabur dalam lebih banyak industri/top holdings (diversified the assets, thus minimal risks). Then fahamlah kita eventhough we have RM1,000 in cash, we already can invest in equity, which is very expensive if you want to do that by yourself (yes, very expensive and we are talking about few hundred thousands and above).

Then the funds generate profit, where thus the profit go? 

YOU!

2) The profit - paid out to the unit holders in proportion to the number of units owned by them. Bila kita melabur, kita sebenarnya membeli unit yang ada dalam sesuatu skim/funds tersebut pada harga semasa hari tersebut. Keuntungan darinya (iaitu 1- Price appreciation 2-dividen) diagihkan kepada tuan punya unit mengikut jumlah unit yang dipegangnya. Dividen pula diberi untuk membeli tambahan unit, jadi akan terdapat capital gain di situ. Bayangkan jika setiap tahun fund manager mengumumkan 7% dividen, 1000 unit (assume) yg asalnya dipunyai oleh kita, akan menjadi 1070 unit untuk didagangkan semula pada tahun berikutnya. Bayangkan jika pelaburan ini berterusan selama 5 atau lebih tahun?


3) Bagaimana untuk mengeluarkan semula wang pelaburan kita? Unit trust investment is a very liquid investments.  We can anytime redeems our units (basic and dividens) at anytime at current price. So tiada issue jika kita rasa susah untuk mengeluarkan kembali duit kita.


Jelas? Any questions?

Read More