PUBLIC MUTUAL investment...

Since after aku post page pasal public mutual tu ramai lak yg tanye lebih lanjut psl mende ni...actually public mutual investment dah lama wujud, cume kite kurang pengetahuan ttg ni la...kat bwh ni aku pastekan skit perbincangan tru skype dgn luna...my fren..maybe soalan2 dia dpt bantu korang lebih fhm psl Public Mutual investment ni..

[10:41:00 AM] aLinwOrLd ...: http://alinworld.blogspot.com/p/public-mutual.html
[11:05:30 AM] *luna*: tenggg
[11:05:35 AM] *luna*: ko wat public mutual ke
[11:05:53 AM] aLinwOrLd ...: yep
[11:05:55 AM] aLinwOrLd ...: heeeeeeee
[11:06:34 AM] *luna*: tu mcm insurance kan teng
[11:06:39 AM] aLinwOrLd ...: xah
[11:06:45 AM] aLinwOrLd ...: ko bc x entri aku tu
[11:06:49 AM] aLinwOrLd ...: ni pelaburan daaaaaaaaa
[11:06:57 AM] aLinwOrLd ...: mcm simpan duit
[11:07:04 AM] aLinwOrLd ...: dpt dividen
[11:07:12 AM] aLinwOrLd ...: insurance lain yang
[11:07:44 AM] *luna*: oo a ah aku penah dgo pasal ni time aku blajo dulu
[11:07:53 AM] aLinwOrLd ...: ade gak yg dia cover insurans..tp kene labur cash rm5k ke atas
[11:08:02 AM] aLinwOrLd ...: untung tau lu
[11:08:08 AM] *luna*: ko labur bape teng
[11:08:12 AM] aLinwOrLd ...: sbb aku dah invest sbb tu aku tau
[11:08:34 AM] aLinwOrLd ...: pluss...sbb aku invest la juga sbb aku jd consultant..sbb aku nk jg aku punyer akaun sendrik
[11:08:35 AM] aLinwOrLd ...: ehekss
[11:08:42 AM] aLinwOrLd ...: dah la dlm 10-12k kot
[11:08:48 AM] aLinwOrLd ...: aku invest tru kwsp jek lu
[11:09:05 AM] aLinwOrLd ...: aritu ade gak aku invest cash rm1k..x sampai 6 bln kot aku dah kuorkan
[11:09:23 AM] aLinwOrLd ...: eheks..nk pakai duit byr duit loyer umah...ms tu aku dah untung 115 hengget
[11:09:38 AM] aLinwOrLd ...: kirenye aku untung 11.5% dlm ms 6 bln jek la
[11:09:55 AM] aLinwOrLd ...: ko bygkan le..kalo tarok ASB pun sthn cume dpt 8% jek
[11:10:04 AM] aLinwOrLd ...: ni dlm 6 bln jek aku dpt untng 115 hengget
[11:10:30 AM] aLinwOrLd ...: ok la..cume skang ni mmg aku gune kwsp jek la..sbb aku xde cash sgt...duit nk gune la ni..plaknyer aku nk sambung stadi
[11:11:09 AM] aLinwOrLd ...: ko bc entri blog aku tu...fhmkan
[11:12:34 AM] *luna*: klu tru kwsp camne teng
[11:13:20 AM] aLinwOrLd ...: sama gak...untung dia sama jek
[11:13:40 AM] aLinwOrLd ...: cume bezanyer..wit kwsp ko xbleh kuorkan..kalo ade utng ko akan masukkan balik dlm kwsp
[11:13:51 AM] aLinwOrLd ...: sbb tu aku kate...kite kembangkan pendptan wit kwsp tu
[11:13:59 AM] aLinwOrLd ...: pendpatan pasif
[11:15:01 AM] aLinwOrLd ...: so..sok2 bile dah 55thn..org yg x pelbagaikan pelaburan dia dlm kwsp cume dpt dividen yg kwsp bg jek la selama berapa thn tu..tp yg pelbagaikan melalui pelaburan dana...dia akn dpt lebih la...fhm x?
[11:16:08 AM] *luna*: paham...
[11:16:23 AM] *luna*: kwsp aku akan tolak 3 thun jek pastu aku amik skim pencen
[11:16:35 AM] *luna*: so camne aku nk wat tolak epf tu teng
[11:16:42 AM] *luna*: xde kene bayo papekan
[11:19:45 AM] aLinwOrLd ...: cthnyer...katelah ko ade rm10k dlm kwsp...kwsp bg ko 5% jek..so ko dpt RM10k + RM500(dividen) tp kalo ko kuorkan katelah RM5k utk invest ke dlm dana yg untung 34% td tu...so dia jd mcm ni la.. KWSP (RM5k x 5% = RM5250) + Dana (RM5k x 34% = RM6700) total wit ko ialah RM5250 + RM 6700 = RM 11950
[11:20:16 AM] aLinwOrLd ...: haaa...bezakn untungnyerr?
[11:20:24 AM] aLinwOrLd ...: ooo..kalo mcm ko..kene la gune wit cash
[11:20:26 AM] aLinwOrLd ...: huhuhu
[11:20:38 AM] aLinwOrLd ...: org gomen mmg biasenyer kalo dia nk invest gune cash
[11:21:11 AM] aLinwOrLd ...: huhuhu..tu la kelemahan keje gomen ni... wat ms skang ni mmg kene wit sendrik kalo nk invest...
[11:21:44 AM] *luna*: 11950 tu bape lame teng
[11:21:52 AM] *luna*: tu klu kite invest 5k dpt 11k ke teng
[11:22:26 AM] aLinwOrLd ...: sethn
[11:22:54 AM] *luna*: waaa setahun jek dpt 11k ea
[11:23:01 AM] aLinwOrLd ...: ko bc betol2...kwsp x bleh kuorkan seme...ko bleh kuorkan 20% jek.
[11:23:13 AM] aLinwOrLd ...: tu combination antara kwsp ngn dana yg ko labur
[11:23:40 AM] aLinwOrLd ...: bezanyer...kwsp bg ko 5% jek..kalo dana dia bg ko sampai 34% utk amount yg samaaa
[11:23:53 AM] aLinwOrLd ...: snng citer mcm kalo ko ade duit masuk ASB
[11:23:55 AM] aLinwOrLd ...: mcm tu gak la
[11:24:04 AM] aLinwOrLd ...: cume bezanye...ni bkn ASB..dana lain
[11:29:22 AM] *luna*: ooooo aku dh bace dh blog ko
[11:29:28 AM] *luna*: paham sket2 la
[11:29:42 AM] *luna*: maknenye kite invest 5k pastu tgu setahun dpt pulangan ke
[11:29:50 AM] *luna*: pastu leh tambah x
[11:29:55 AM] aLinwOrLd ...: buleh...
[11:30:06 AM] aLinwOrLd ...: ko buleh tambah or ko bleh masuk dana lain lak
[11:30:23 AM] aLinwOrLd ...: mn2 la yg ko ske..sbb tu penting ade consultant yg pandai laburkan wit ko
[11:31:17 AM] *luna*: ade tempoh matang x utk kluokan duit tu
[11:32:50 AM] aLinwOrLd ...: xde...mcm yg aku citer td tu..aku punyer x sampai sthn aku dah kuorkn sbb nk pakai duit...aku dah untung RM115..tp dia bkn immediate kuor tau..katelah ko nk gune duit minggu depan..minggu ni ko kene bgtau la soh jual dana ko tu
[11:33:38 AM] aLinwOrLd ...: sbb dia mkn masa gak nk jual tu..proses nyer la...as for consultant ko tu..kalo time ko nk jual tu rege tgh jatuh...means ko akn rugi la kan...so dia akn nasihatkan ko..jgn jual la..tggu sampai dpt utng la
[11:34:31 AM] aLinwOrLd ...: ko jgn risau..dana2 ni xkan jatuh sampai ko dpt zero..ni bkn forex ok..hik hik
[11:35:39 AM] *luna*: adehh mcm saham la plak ek
[11:35:47 AM] aLinwOrLd ...: time harge jth time tu la kite beli..sbb kite beli murah..pastu rege naik..sama ade ko nk stay or nk jual..ske hati la..kalo kite beli..pastu rege jatuh lagi..biorkan...tggu dia naik balik..biasenye dlm seminggu tu rege mmg trn naik...tp mmg dia akn utung la..
[11:36:31 AM] aLinwOrLd ...: dia mmg saham lu...cume dia x berisiko le mcm forex tu..
[11:36:38 AM] aLinwOrLd ...: actually ASB tu pun saham gak lu
[11:36:51 AM] aLinwOrLd ...: tu nama dia kan AMANAH SAHAM BUMIPUTRA
[11:36:54 AM] aLinwOrLd ...: heeeeeee
[11:37:48 AM] *luna*: huhuhuh tol gak tu ek
[11:37:58 AM] *luna*: sbb ak tgk kat opis ni dak2 laki byk men forex
[11:38:04 AM] *luna*: sume telungkup
[11:38:06 AM] *luna*: huhuhuh
[11:38:08 AM] aLinwOrLd ...: forex risiko lu...
[11:38:21 AM] aLinwOrLd ...: kalo xde USD10k..xyah brangan le
[11:38:25 AM] aLinwOrLd ...: buang duit jek
[11:39:00 AM] aLinwOrLd ...: sbb forex tu kadar dia jth dlm ms milisaat jek dh bleh rugi ratus2 dolar...sbb tu kene ade at least USD10k baru bleh wat modal pusing
[11:39:11 AM] aLinwOrLd ...: ahakss...aku dah khatam stadi forex tu lu...
[11:39:13 AM] aLinwOrLd ...: huhuhu
[11:39:51 AM] aLinwOrLd ...: tp kalo untung...mmg ko untung la..sbb dia gak bleh naik mencanak2 dlm ms milisaat tu after dia jth tau!
[11:40:09 AM] aLinwOrLd ...: haaaaa...sbb tu aku kate...margin capital tu kene beso skit
[11:42:49 AM] *luna*: huhuhu...
[11:43:00 AM] *luna*: aku pn ade wat biz gak teng skang
[11:43:07 AM] *luna*: ak baru labur 20k
[11:43:19 AM] *luna*: stakat ni alhamdulillah la ok
[11:44:06 AM] *luna*: yg ak wat loan maybank ke asb tu baru jek abis bayo 5 thun
[11:44:18 AM] *luna*: tu yg ak try wat biz ni
[11:44:36 AM] *luna*: public mutual ni time ak blajo ak dh dgo cume x paham jek
[11:44:43 AM] *luna*: tp dgo cte ko mcm best
[11:44:45 AM] *luna*: huhuh
[11:44:53 AM] aLinwOrLd ...: best mmg best
[11:44:58 AM] aLinwOrLd ...: aku amat galakan le..
[11:45:38 AM] aLinwOrLd ...: kite ni jd consultant bkn cume target utk cari side income jek..tp objektif  utama adalah nak educate kwn2 kite utk buat pendptan pasif ni
[11:52:52 AM] *luna*: klu aku try jek dulu msuk 1k pastu thun depan aku nk tambah leh ke..ke kene jual dulu dana memule aku tu
[11:53:04 AM] aLinwOrLd ...: x....
[11:53:29 AM] aLinwOrLd ...: kalo ko tambah..just tambah jek dr wit yg ko dah ade..kalo nk masuk dana lain..wat akaun baru utk dana tu..
[11:53:43 AM] aLinwOrLd ...: mcm aku...walaupun tru kwsp jek..aku dah ade 3 dana yg berbeza2...
[11:53:49 AM] aLinwOrLd ...: kwsp bleh update 3 bln skali
[11:53:58 AM] aLinwOrLd ...: utk org2 mcm aku la..mcm ko gomen xde la kot