Enam Ahli KWSP Disabit Kesalahan Menipu Pengeluaran Perumahan Dan Hilang Upaya. Di denda RM5900 Dan Boleh DiPenjara Sebulan.

Enam ahli Kumpulan Wang Simpanan Pekerja (KWSP) telah disabit kesalahan oleh mahkamah di antara bulan Oktober dan Disember 2011 (Suku Tahun Keempat 2011) di bawah Seksyen 59, Akta KWSP 1991 kerana terlibat dalam penipuan pengeluaran.   Ahli terbabit telah didapati bersalah dan didenda berjumlah RM5,900 oleh mahkamah atas kesalahan melibatkan pengeluaran perumahan dan hilang upaya di mana lima daripada mereka berkemungkinan dipenjarakan sehingga satu bulan sekiranya gagal membayar denda itu.   Dalam satu kenyataan yang dikeluarkan hari ini, Pengurus Besar Perhubungan Awam KWSP, Encik Nik Affendi Jaafar berkata, "KWSP ingin mengingatkan ahli  bahawa tujuan menyimpan dengan KWSP adalah untuk memastikan keperluan asas kewangan bagi persaraan ahli boleh dicapai. Sebarang cubaan untuk mengeluarkan simpanan mereka  secara tidak sah adalah bercanggah dengan tujuan utama menyimpan dengan KWSP kerana akhirnya ahli juga yang  akan rugi."

Cara Daftar I-Akaun Dengan KWSP Untuk Semak Baki Akaun 1 Dan 2, Sejarah Pengeluaran KWSP Dan Update Alamat Secara Online

1. Pergi ke kios mana-mana kwsp, guna mesin kios tuh, cari daftar i -akaun.

2. Tetapkan no pengaktifan

3. Pegi http://www.kwsp.gov.my/ klik log in kali pertama

4. Ikut je arahan yang di berikan.

 

Sekejep je nak daftar i-akaun kwsp nih, dalam masa satu hari tu boleh siap la.

Cara Daftar I-Akaun Dengan KWSP Untuk Semak Baki Akaun 1 Dan 2, Sejarah Pengeluaran KWSP Dan Update Alamat Secara Online

1. Pergi ke kios mana-mana kwsp, guna mesin kios tuh, cari daftar i -akaun.

2. Tetapkan no pengaktifan

3. Pegi http://www.kwsp.gov.my/ klik log in kali pertama

4. Ikut je arahan yang di berikan.

 

Sekejep je nak daftar i-akaun kwsp nih, dalam masa satu hari tu boleh siap la.

Kenapa Takut Nak Melabur di Public Mutual? Kenapa Tak takut Melabur di ASB?

Macam ni.. kalau nak tengok kat mana duit EPF dilaburkan.. boleh rujuk
kat sini..

http://www.kwsp.gov.my/index.php?h=p2investhighlights&pg=bm_p2investhighlights_equity&ac=3515

Kalau nak tengok kat mana duit ASB dilabur...kan.. boleh rujuk kat sini
pulak..

http://www.asnb.com.my/ASN&ASB%202010.pdf (ms 7)

Kesimpulannya?
KWSP dan EPF pun melabur di kaunter2 saham di Malaysia jugak. Dan
kebanyakan kaunter yang dilaburkan adalah sama dengan kaunter yang
dilaburkan oleh dana-dana Public Mutual.

Jadi...
Kenapa nak takut bila melabur di Public Mutual? Kenapa tak takut bila
melabur di ASB @ KWSP?

Kenapa kalau nak melabur di Public Mutual risau tentang keadaan
ekonomi? Kenapa kalau melabur di ASB @ KWSP tak risau dengan keadaan
ekonomi?

Malah.. pulangan di Public Mutual dah terbukti jauhhhhhhhhhh lebih baik
dan pengurus dana Public Mutual selalu dapat anugerah pengurus dana
terbaik.

Kesimpulannya? Kalau rasa pelaburan Public Mutual berisiko, jadi
pelaburan di ASB @ KWSP pun berisiko jugaklah kan. Jadi,
jangannnnnnnnnnnlah takut nak melabur di Public Mutual.
Betul tak?

Link ke twitter dan facebook

Untuk info, blog ni http://encikarman.blogspot.com/ telah di link kan ke twitter encikarman dan ke page facebook http://www.facebook.com/pages/Public-Mutual/274341472619521?v=wall

Semua update di blog akan keluar di twitter dan page facebook.

OVERVIEW

 

Skim Amanah Rakyat 1Malaysia (SARA 1Malaysia) is a special Scheme initiated by the Government of Malaysia aimed at promoting the participation of the low-income group to save and invest; apart from to assist them in managing the impact of the rising current cost of living.

The Scheme will be implemented in collaboration with Permodalan Nasional Berhad (PNB) and selected financial institutions.

Through this Scheme, eligible Malaysians will have the opportunity to apply for a RM5,000 loan from participating financial institution to invest in Amanah Saham 1Malaysia (AS 1Malaysia)^I managed by Amanah Saham Nasional Berhad (ASNB)*, and will receive attractive incentive payments on their savings and investments.

*ASNB is a wholly-owned subsidiary of PNB responsible for managing the AS 1Malaysia unit trust fund.

 

SCHEME SPECIAL FEATURES

• Monthly incentives are provided to the participants in the form of additional Amanah Saham 1Malaysia (AS 1Malaysia)^I units.
• Participants need to pay only the minimum monthly payments for 5 years.
• Incentive payments are provided every month for 5 years. Participants need to ensure that the minimum 100 units are reserved in the AS 1Malaysia book at any time.

LOAN FEATURES

• The loan amount is RM5,000 per household.
• The loan is for the purchase of 5,000 Amanah Saham 1Malaysia (AS 1Malaysia)^I units.
• Participation will be opened for one year starting from 30 January 2012* or upon full subscription of the total allocation, whichever is earlier.
• Participation will be disqualified in the event of:

  1. The participant misses three consecutive monthly payments;
  2. The participant provided false information during application;
  3. The participant is declared a bankrupt; or
  4. The participant dies.

SPECIAL FEATURES OF THE SCHEME

 

A total of RM500 million funding is offered to 100,000 households. Allocation is based on first-come-first-served basis. Application is opened for a duration of one year from the date the application is opened to the public or upon full subscription, whichever is earlier.

The distribution of funds is opened to all Malaysians based on the allocation of Amanah Saham 1Malaysia (AS 1Malaysia)^I, i.e. Bumiputera – 50%; Chinese – 30%; Indian – 15%; Others – 5%.

 

Through this Scheme, monthly incentives shall be paid to the participants in the form of additional AS 1Malaysia units.

Participants need to pay only minimum monthly payments for 5 years.

 

DOCUMENTS REQUIRED

Main Documents

• Application form to participate in Skim Amanah Rakyat 1Malaysia (BPPSARA1M)
• Loan Form from the participating financial institutions
• Registration form of Unit Amanah Akaun Dewasa ASNB P1
• Additional Investment Form ASNB 21
• Redemption Form ASNB 31
• Investment Book Renewal Form BS3
• Risk Disclosure Statement (RDS)

Supporting Documents

• Original and 2 copies of Mykad of applicants
• Original and 1 copy of Mykad of spouses (if applicable)
• Certified Income document
  • For applicants and/or spouses, please provide original and copies of the latest three months' Pay Slips or Bank Statements.
  • For applicants who do not have Pay Slip or Bank Statement, the income declaration stated in BPPSARA1M Part C will be applicable.
  * BPPSARA1M MUST be signed before a WITNESS - either the Employer/Penghulu/Official at the Department of Orang Asli Development/Government Official in a Managerial Position /Member of State Legislative Assembly/ Member of Parliamen

ELIGIBILITY

1. Malaysians aged between 18 and 58 years old
2. Gross household income of between RM500 and RM3,000
3. Applicants must not be declared bankrupt throughout the loan funding period
4. Any other terms set by the banks
5. Applicants and / or spouse must not be a participant or beneficiary of any ASNB-related Government programme:
   • Program Pembangunan Rakyat Termiskin;
   • ASB Sejahtera; and
   • ASW2020-Bandar
6. Applicants and / or spouse do not have any investments in ASNB unit trust products OR applicants and/or spouse(s) (household) have a combined aggregate investment of less than RM10,000 in all ASNB products
7. All-clear status for ASNB unit trust account
8. Application is subject to the distribution of Amanah Saham 1Malaysia (AS 1Malaysia)^I as stipulated and availability:
   • Bumiputera - 50%;
   • Chinese - 30%;
   • Indian - 15%; and
   • Others - 5%
9. Only one member of the household is eligible to obtain the loan funding
10. Application is approved for a loan at one bank

DEFINITION OF HOUSEHOLD

Eligible household refers to individuals with gross household monthly income of between RM500 and RM3,000 including the following categories:

• Married - a combination of gross income of the husband and wife; and
• Single mothers or fathers - individual gross income.

GENERAL

 

1.	What is "Skim SARA 1Malaysia"? This is a special scheme introduced by the Government of Malaysia aimed at promoting the participation of the low income group to save and invest; apart from assisting them in managing the impact of the rising current cost of living. The Scheme will be implemented in collaboration with Permodalan Nasional Berhad and selected financial institutions. Through this Scheme, eligible Malaysians will have the opportunity to apply for a RM5,000 loan to invest in Amanah Saham 1Malaysia (AS 1Malaysia)I managed by Amanah Saham Nasional Berhad (ASNB)*, and will receive attractive incentive payments on their savings and investments.   *ASNB is a wholly owned subsidiary of PNB responsible for managing AS 1Malaysia unit trust fund.
2.	What are the special features of the Scheme? Participants need to pay only minimum monthly payments for 5 years. Monthly incentives are provided to participants in the form of additional AS 1Malaysia units.
3.	What is the total amount of loan available for the Scheme? The total amount of loan available is RM500 million.
4.	How many people are expected to benefit from the Scheme? The Scheme aims to achieve a participation of 100,000 households with an allocation based on first-come-first-served basis.
5.	Is there a limitation to the number of eligible participants per household? Yes, only one household is eligible to obtain the loan funding. A household refers to individuals with gross household monthly income of between RM500 and RM3,000 including the following categories: i. Married - a combination of gross income of the husband and wife; ii. Single mothers or fathers - individual gross income.
6.	When is the programme launched? The programme is expected to be launched on 12 January 2012.

APPLICATION PROCEDURE

1.	How do I apply for the Scheme? Interested applicants must obtain forms from participating banks starting from January 30, 2012**. Completed forms together with the required documents are to be submitted to the banks for verification and consideration.   **Subject to change
2.	Which are the participating banks? There are four banks namely Maybank, CIMB, RHB and BSN.
3.	How long is the application open? Application will be opened for a duration of one year from the launch date or upon full subscription, whichever is earlier.
4.	4. What is the required documentation for application? Applicants are required to provide original and certified true copies of the following: a. Identity card of applicant – 2 copies b. Identity card of spouses(s) (if applicable) – 1 copy c. Proof of income: - 1 copy of latest three months' Pay Slip - 1 copy of latest three months' Bank Statement
5.	How do I know if my application is successful? Successful applicants will be informed by the banks.

PARTICIPATING BANKS

Malayan Banking Berhad Menara Maybank 100, Jalan Tun Perak 50050 Kuala Lumpur Malaysia Call Centre Tel : 03-5891 4789 Website : www.maybank2u.com.my	CIMB Bank Berhad Tingkat 19, Menara Bumiputra Commerce No. 11, Jalan Raja Laut 50350 Kuala Lumpur Call Centre : 1 300 880 900 or +603 22956100 Email : callcentre@cimb.com Website : www.cimbbank.com.my
RHB Bank Berhad ASB & CPM Fee Operation Level 2, Tower 2 RHB Centre Jalan Tun Razak 50400 Kuala Lumpur Call Centre : 03-9206 8118 Email : customer_service@rhbbank.com.my Website : www.rhb.com.my	Bank Simpanan Nasional Customer Service Division Level 4, Block B Wisma BSN, 117, Jalan Ampang 50450 Kuala Lumpur Tel : 03-2142 5258 Fax : 03-2710 7252 Email : servicemanager@bsn.com.my Website : www.mybsn.com.my

Unit Trust – Ulasan Mingguan Berakhir 13/01/2012

 

Semua Islamic Fund mengalami kenaikkan dari segi harga seunit dengan kenaikkan paling tinggi oleh PIOF sebanyak 2.2 %.

 

5 Dana Dengan Kenaikan tertinggi Sahaja

PIOF 2.2%

PIA40GF 1.7%

PISTF 1.6%

P ITTIKAL :  1.5 %

PBIEF 1.5%

 

Purata Pulangan Untuk 3 Tahun Lepas ( % )

5 Dana Terbaik

PISSF 15.16

PIDF 13.39

PIEF 10.55

PBIEF 10.45

PIOGF 9.49

 

Sumber: Market Wrap : Week Ended 13 Jan 2012 & http://encikarman.blogspot.com/

Unit Trust 13/01/2012 - PIOF Meningkat Paling Tinggi Dalam Seminggu.

Purata Annual Return Untuk Dana-dana Unit Trust Public Mutual Terpilih!

	06-Jan-12
	ave annual return
P ITTIKAL	9.34
PIEF	10.55
PIOF	9.08
PISSF	15.16
PBIEF	10.45
PIOGF	9.49
PISTF	9.36
PIDF	13.39

Public Islamic Dividend Fund

2012 Harga Dana PIDF Seunit

Jan 0.3557
Feb 0.3632
March 0.3692
April 0.3722
May 0.3539
June 0.3521
Julai 0.3635
Ogos 0.3738
September 0.3797
Oktober 0.3883

Analisis:
May - harga jatuh dan paling rendah bulan bulan June. Belian terbaik ialah pada bulan Jun.
September - harga tertinggi bagi tahun 2012

Tips Unit Trust Consultant - Public Tactical Allocation Fund, Public Islamic Asia Tactical Allocation Fund and Public Islamic Mixed Asset Fund

12 Dec 2011 Public Mutual telah menamakan kembali 3 fund iaitu:

1. Public Global Balanced Fund to Public Tactical Allocation Fund

2.Public Islamic Balanced Fund to Public Islamic Mixed Asset Fund

3.Public Islamic Asia Balanced Fund to Public Islamic Asia Tactical Allocation Fund

 

Bermula 16 Jan 2012, fund di buka utk di langgan dengan promosi spt berikut:

Public Tactical Allocation Fund & Public Islamic Asia Tactical Allocation Fund - servis caj hanya 5& ( biasa 5.5 % )

 

Juga ada insurans percuma utk fund2 ni:

Public Tactical Allocation Fund - free insurance coverage

Public Islamic Asia Tactical Allocation Fund and Public Islamic Mixed Asset Fund - Free takaful coverage

 

Best2 kan, tapi tak pasti lagi performance dund ni macam mana. Kalau nak kira insurans, P Ittikal pun ada insurans. Bagi aku le, baik beli Public Ittikal walalupun harga dia dah mahal sbb dah lama ada dalam pasaran.

Diveden PISSF Public Mutual Untuk Tahun Kewangan Berakhir 30/11/2011 ialah 6.96%

Hari ni terima penyata public mutual untuk dana PISSF untuk pembahagian dividen tahun berakhir 30/11/2011 sebanyak 3.96%. Dana PISSF ni dana agresir high risk high return kata orang untuk public mutual dan aku suka dana ni sebab tak penah mengecewakan aku. Orang-orang muda sesuai masuk dana nih untuk long term investment ( min 3 tahun )

 

Ini dividen, bukan capital growth ya. Income dari capital growth boleh dapat bila aki jual balik dana ni nanti, nanti aku bersara le kot sebab ni aku guna skim kwsp bukan tunai ( mana de duit nak invest tunai nih ).

 

Belek-belek balik blog aku, harga dana ni dah meningkat 41.34% selepas 2 tahun, agak menarik gak tuh kan. Boleh rujuk kat sini

 

http://encikarman.blogspot.com/2012/01/public-islamic-sector-select-fund-pissf.html

 

Jadi bagi yang belum melabur, boleh le cepat2 skit sebelum harga makin naik makin tinggi.

Pelaburan Public Mutual – Secara ringkas.

Sejenis pelaburan ( tunai atau skim kwsp ) jangka panjang ( min 3 tahun ) yang berisiko rendah berbanding pelaburan saham di mana keuntungannya 8-14% setahun di mana wang anda di laburkan dalam syarikat-syarikat besar seperti petronas, maxis dan digi dengan pelaburan min rm1000 sahaja.

 

Pelaburan Tunai

1. Guna wang tunai untuk melabur ( min rm1000 )
2. Caj hanya sekali sahaja 5.5 % dari jumlah pelaburan ( 1% saya akan berikan kembali kepada anda ) pada permulaan pelaburan
3. Min 3 tahun baru nampak keuntungannya ( bukan macam saham )
4. Selepas 3 tahun, bila-bila masa boleh keluarkan kembali wang anda sebarang kos

 

Pelaburan Skim kwsp

1. Keluarkan duit akaun 1 kwsp ( min rm1000 ) dan masukkan ke dalam public mutual.
2. Caj 3 % sekali sahaja masa untuk setiap kali pengeluaran duit kwsp ( setiap 3 bulan boleh keluarkan duit dari kwsp ) di mana 1% saya akan kembalikan kepada anda.
3. Min 3 tahun baru nampak keuntungannya ( bukan macam saham )
4. Duit pelaburan tak boleh di gunakan sehingga umut 55 tahun.

 

Berminat, boleh hubungi saya

Encikarman

0192055657

Average Keuntungan Tahunan Dana-dana Terpilih Public Mutual ( Sumber: Market Wrap : Week Ended 30/12/2011 by Public Mutual )

 Average Keuntungan Tahunan ( Sehingga 30/09/2011 )

 

P ITTIKAL-9.34

PIEF-10.55

PIOF-9.08

PISSF-15.16

PIDF-13.39

PIOGF-9.49

 

Remarks:

Public Ittikal Fund (P ITTIKAL)

Public Islamic Equity Fund (PIEF )

Public Islamic Oppournities Fund (PIOF )

Public Islamic Sector Select Fund (PISSF)

Public Islamic Dividen Fund (PIDF)

Public Islamic Optimal Growth Fund (PIOGF)

Sumber: http://encikarman.blogspot.com/ 

Average Keuntungan Tahunan Dana-dana Terpilih Public Mutual ( Sumber: Market Wrap : Week Ended 30/12/2011 by Public Mutual )

 Average Keuntungan Tahunan ( Sehingga 30/09/2011 )

 

P ITTIKAL-9.34

PIEF-10.55

PIOF-9.08

PISSF-15.16

PIDF-13.39

PIOGF-9.49

 

Remarks:

Public Ittikal Fund (P ITTIKAL)

Public Islamic Equity Fund (PIEF )

Public Islamic Oppournities Fund (PIOF )

Public Islamic Sector Select Fund (PISSF)

Public Islamic Dividen Fund (PIDF)

Public Islamic Optimal Growth Fund (PIOGF)

Sumber: http://encikarman.blogspot.com/ 

Loan ASB – Skim Pinjaman/Pembiayaan ASB Maybank

Kesan dari kenaikan BLR/BFR oleh bank-bank sejak awal bulan March ini telah memberi kesan kepada pinjaman/pembiayaan baru .Sama juga dengan Loan ASB atau Skim Pinjaman/Pembiayaan ASB.Yang saya nak share kat sini Skim Pembiayaan ASB Maybank yang terkini. BFR-1.65% masih kekal untuk pinjaman lebih dari RM30K.Difahamkan lock-in period adalah 2 tahun.

 

Contoh kalau pinjam dalam RM100k, maka kadar bersih adalah 4.15% (5.80-1.65).Jadi kalau kita assume dividen ASB pada 7.5% , net spread dia 3.35%.Installment bulanan dalam RM536 untuk tempoh pinjaman maksimum.Installment setahun RM 6,432.Dividen setahun kalau pada 7.5% x RM100k = RM7,500.Dividen tolak dengan installment setahun kita dapat net RM 1,068.

 

Bagaimanapun kelulusan bergantung kepada rekod CRIS/CTOS dan komitmen hutang masing2.Apa2 pun korang kena check dengan cawangan terdekat untuk keterangan lanjut.

 

Latest table bayaran bulanan boleh download file di ASB Repayment Table 2.

Dividen ASB 2011 - 7.65 sen seunit dan bonus 1.15 sen seunit

KUALA LUMPUR 19 Dis. – Permodalan Nasional Bhd. (PNB) hari ini mengumumkan agihan pendapatan Amanah Saham Bumiputera (ASB) sebanyak 7.65 sen seunit dan bonus 1.15 sen seunit bagi tahun kewangan berakhir 31 Disember 2011.

 

Pada tahun lalu, PNB mengumumkan agihan pendapatan ASB sebanyak 7.50 sen seunit manakala bonus pula sebanyak 1.25 sen seunit.

Pengerusinya, Tun Ahmad Sarji Abdul Hamid berkata, PNB memperuntukan bayaran sebanyak RM7.04 bilion melibatkan 7.3 juta pemegang unit yang melanggan lebih daripada 95.9 bilion unit ASB.

 

Peruntukan bagi pembayaran bonus pula berjumlah RM628.29 juta oleh PNB.

 

Ahmad Sarji berkata, sehingga 15 Disember ini, ASB telah memperoleh pendapatan kasar sebanyak RM7.19 bilion, yang mana pendapatan dividen pelaburan dalam syarikat-syarikat menyumbang sebanyak RM4.09 bilion.

 

''Keuntungan dalam penjualan saham syarikat-syarikat pula menyumbang sejumlah RM2.25 bilion atau 31.3 peratus kepada jumlah pendapatan kasar dan selebihnya RM0.85 bilion melalui pendapatan pelaburan instrumen-instrumen jangka pendek dan lain-lain pendapatan,'' kata beliau ketika mengumumkan agihan pendapatan ASB hari ini.

Sumber : Utusan Malaysia

Public Islamic Optimal Growth Fund ( PIOGF )

Mei 2009 ( saya mula melabur guna skim kwsp )=0.2164

2012 Harga Dana PIOGF Seunit

Jan 0.2868

Feb 0.2810

March 0.2835
April 0.2834
May 0.2848
June 0.2819
Julai 0.2885
Ogos 0.2973
September 0.2971
Oktober 0.3011

Analisis:
Mula ogos, harga dah mencecah 0.29xx seunit, mengalami penurunan sedikit pada bulan september. Kejatuhan harga tidak seteruk dana lain pada bulan May dan June 2012.

Monitor Keuntungan PISSF, PIOGF Dan P ITTIKAL

Public Islamic Sector Select Fund ( PISSF )

Perbandingan Harga

 

Mei 2009

Seunit berharga rm0.2073

 

Nov 2011

Seunit berharga rm0.2930

 

Selepas 2 tahun, harga meningkat sebanyak

(rm0.2930 – rm0.2073)/ rm0.2073 x 100 = 41.34%

 

 

Public Islamic Optinal Growth Fund ( PIOGF )

Perbandingan Harga

 

Mei 2009

Seunit berharga rm0.2164

 

Nov 2011

Seunit berharga rm0.2684

 

Selepas 2 tahun, harga meningkat sebanyak

(rm0.2684 – rm0.2164)/ rm0.2164 x 100 = 24.03%

 

 

Public Ittikal Fund ( P ITTIKAL )

Perbandingan Harga

 

Nov 2011

Seunit berharga rm0.8147

 

Dec 2011

Seunit berharga rm0.8400

 

Selepas 2 bulan, harga meningkat sebanyak

(rm0.8400 – rm0.8147)/ rm0.8147 x 100 = 3.11%