<?xml version='1.0' encoding='UTF-8'?><?xml-stylesheet href="http://www.blogger.com/styles/atom.css" type="text/css"?><feed xmlns='http://www.w3.org/2005/Atom' xmlns:openSearch='http://a9.com/-/spec/opensearchrss/1.0/' xmlns:blogger='http://schemas.google.com/blogger/2008' xmlns:georss='http://www.georss.org/georss' xmlns:gd="http://schemas.google.com/g/2005" xmlns:thr='http://purl.org/syndication/thread/1.0'><id>tag:blogger.com,1999:blog-959150745594998180</id><updated>2024-11-01T19:59:25.858+08:00</updated><category term="Investment Tips"/><category term="Retirement"/><category term="EPF"/><category term="Unit Trust"/><category term="Rules"/><category term="Warren Buffett"/><title type='text'>Financial Planning with Unit Trust</title><subtitle type='html'></subtitle><link rel='http://schemas.google.com/g/2005#feed' type='application/atom+xml' href='http://financialplanning-unittrust.blogspot.com/feeds/posts/default'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/959150745594998180/posts/default?redirect=false'/><link rel='alternate' type='text/html' href='http://financialplanning-unittrust.blogspot.com/'/><link rel='hub' href='http://pubsubhubbub.appspot.com/'/><author><name>kmcheong</name><uri>http://www.blogger.com/profile/17616412953940954512</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><generator version='7.00' uri='http://www.blogger.com'>Blogger</generator><openSearch:totalResults>10</openSearch:totalResults><openSearch:startIndex>1</openSearch:startIndex><openSearch:itemsPerPage>25</openSearch:itemsPerPage><entry><id>tag:blogger.com,1999:blog-959150745594998180.post-8952500114714934398</id><published>2011-05-10T00:04:00.002+08:00</published><updated>2011-05-10T00:04:58.414+08:00</updated><title type='text'>Maternity &amp; Nursing Wear, Babies apparel &amp; Kids Clothing, Ladies Wear</title><summary type="text">Great new for the ladies!!!! Summer Glitz is offering casual wear to career wear, party dresses and apparels for special occasions at great prices! A wide variety of hot and trendy styles, Summer Glitz not only caters to everyone irrespective of age and taste, it also allows you to mix and match effortlessly within one counter. At Summer Glitz, mummies can save time shopping for their own and </summary><link rel='replies' type='application/atom+xml' href='http://financialplanning-unittrust.blogspot.com/feeds/8952500114714934398/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment/fullpage/post/959150745594998180/8952500114714934398' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/959150745594998180/posts/default/8952500114714934398'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/959150745594998180/posts/default/8952500114714934398'/><link rel='alternate' type='text/html' href='http://financialplanning-unittrust.blogspot.com/2011/05/maternity-nursing-wear-babies-apparel.html' title='Maternity &amp; Nursing Wear, Babies apparel &amp; Kids Clothing, Ladies Wear'/><author><name>kmcheong</name><uri>http://www.blogger.com/profile/17616412953940954512</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-959150745594998180.post-513605235515453159</id><published>2010-04-11T13:50:00.004+08:00</published><updated>2010-04-11T14:14:48.916+08:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Investment Tips"/><category scheme="http://www.blogger.com/atom/ns#" term="Rules"/><title type='text'>8 Golden Rules of Investing in Unit Trust</title><summary type="text">
1. DO NOT borrow to invest.2. DO NOT invest all of your money.3. DO NOT invest money you need to use soon.4. DO NOT get emotional and panic.5. DO keep investing and stay invested. Invest regularly -&amp;nbsp; in good and bad times.6. DO diversify.7. DO take professional advices.8.&amp;nbsp;DO give your investment time to grow.</summary><link rel='replies' type='application/atom+xml' href='http://financialplanning-unittrust.blogspot.com/feeds/513605235515453159/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment/fullpage/post/959150745594998180/513605235515453159' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/959150745594998180/posts/default/513605235515453159'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/959150745594998180/posts/default/513605235515453159'/><link rel='alternate' type='text/html' href='http://financialplanning-unittrust.blogspot.com/2010/04/8-golden-rules-of-investing-in-unit.html' title='8 Golden Rules of Investing in Unit Trust'/><author><name>Jialing</name><uri>http://www.blogger.com/profile/04618808046285155071</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='21' height='32' src='http://lh6.ggpht.com/_rwqFQtoZSPc/S9bDEEXLkcI/AAAAAAAAC3M/Xier87xt6ow/s128/PhotoFunia-a98d35.jpg'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjVQD8pwwXIME-m2AigJH1soT9xhgnd5X-t0cBwk2NYtQJopvT8fRAgVq4cfvFxytJ-YB6haPlvReGE5WwqUizfjpIQmgVcnIYp5yFlEqT3PiihBgfRAyF6Yq9GOJQfQqBQW3L-YNTsL4Ae/s72-c/rules.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-959150745594998180.post-6316769863481094606</id><published>2010-04-08T00:58:00.007+08:00</published><updated>2010-04-09T00:05:16.385+08:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Unit Trust"/><title type='text'>Launch of Public Far-East Alpha-30 Fund</title><summary type="text">We are pleased to announce the launch of Public Far-East Alpha-30 Fund.




   PFA30F  
   Main Features   To achieve capital appreciation over the medium- to   long-term period by investing in up to a maximum of 30 stocks listed in   domestic and regional markets.&amp;nbsp;   
   Asset Allocation   % of NAV Equity = 75% to 98%&amp;nbsp; (Up to 98% of its NAV   in&amp;nbsp; selected Far-East markets which </summary><link rel='replies' type='application/atom+xml' href='http://financialplanning-unittrust.blogspot.com/feeds/6316769863481094606/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment/fullpage/post/959150745594998180/6316769863481094606' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/959150745594998180/posts/default/6316769863481094606'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/959150745594998180/posts/default/6316769863481094606'/><link rel='alternate' type='text/html' href='http://financialplanning-unittrust.blogspot.com/2010/04/launch-of-public-far-east-alpha-30-fund.html' title='Launch of Public Far-East Alpha-30 Fund'/><author><name>kmcheong</name><uri>http://www.blogger.com/profile/17616412953940954512</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQQ8hdfpIYjsuCKWTcXCrusNuf4NnVWEYHhX6ijjGk8cqfqppldMfQmYVb_iW8O6KCXqbby0Wcv8CvIA23aBeqcOD1yxn3ZBKHz_ZqpwAJWugdW2Ey5rsHS3FatUzrK-15w9r7Jg6GhAM/s72-c/image002.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-959150745594998180.post-6593719258709819314</id><published>2010-04-05T00:30:00.014+08:00</published><updated>2010-04-06T00:18:18.497+08:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="EPF"/><category scheme="http://www.blogger.com/atom/ns#" term="Retirement"/><title type='text'>How much can I invest from my EPF?</title><summary type="text">Below is the formula to calculate the amount that you are eligible to withdraw

Amount Eligible to withdraw = (Account 1 - Basic Savings) x 20%

The table below shows the Basic Savings at various ages:


































Example 1: John has RM100,000 in account 1 and he is 30 year old now, calculate the 1st, 2nd and 3rd withdrawal amount assuming that John contributes RM3,000 to </summary><link rel='replies' type='application/atom+xml' href='http://financialplanning-unittrust.blogspot.com/feeds/6593719258709819314/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment/fullpage/post/959150745594998180/6593719258709819314' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/959150745594998180/posts/default/6593719258709819314'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/959150745594998180/posts/default/6593719258709819314'/><link rel='alternate' type='text/html' href='http://financialplanning-unittrust.blogspot.com/2010/04/how-much-can-i-invest-from-my-epf.html' title='How much can I invest from my EPF?'/><author><name>kmcheong</name><uri>http://www.blogger.com/profile/17616412953940954512</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgPGZyYQ37_bzCeR_XyAcUnlhMwuOagZlgilSSIARjpf0E_TZw8aqtYoU0TkQVqWBQvEBsnv1tk4t7gX1_Ml3OSb-gwrQ2ws2msI_rFJTqoHUxWJ3_p2rLcHKtjvmq9_KPDh2JmqQwaM5o/s72-c/Basic+Savings.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-959150745594998180.post-5595289758336895342</id><published>2010-04-05T00:04:00.006+08:00</published><updated>2010-04-06T00:17:18.425+08:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="EPF"/><category scheme="http://www.blogger.com/atom/ns#" term="Retirement"/><category scheme="http://www.blogger.com/atom/ns#" term="Unit Trust"/><title type='text'>Why should I invest with my EPF?</title><summary type="text">Let&#39;s have a look at EPF dividend rates for the past 5 years, it has been in the region of 4++% to 5++% for the pass 5 years, in fact for the past 10 years, the rate has been hovering around the same region.



Dividend Rates







Source: EPF Website




No doubt, the EPF dividend is much better than fixed deposit rate, however, it may not be able to beat inflation rate, if you want to know </summary><link rel='replies' type='application/atom+xml' href='http://financialplanning-unittrust.blogspot.com/feeds/5595289758336895342/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment/fullpage/post/959150745594998180/5595289758336895342' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/959150745594998180/posts/default/5595289758336895342'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/959150745594998180/posts/default/5595289758336895342'/><link rel='alternate' type='text/html' href='http://financialplanning-unittrust.blogspot.com/2010/04/why-should-i-invest-with-my-epf-fund.html' title='Why should I invest with my EPF?'/><author><name>kmcheong</name><uri>http://www.blogger.com/profile/17616412953940954512</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-959150745594998180.post-7538484167762163397</id><published>2010-04-04T23:22:00.000+08:00</published><updated>2010-04-04T23:25:42.767+08:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Investment Tips"/><title type='text'>Rule of 72</title><summary type="text">

I came across a fast and easy to estimate the number of years it takes to double or halve your fund given the return of investment in percentage and thought some of you might find it helpful.

Example 1) Given that I invest into an investment vehicle that can give me returns of 12% per annum, how long does it take for my investment fund to double?
Number of Years to double = 72/12 = 6 years

</summary><link rel='replies' type='application/atom+xml' href='http://financialplanning-unittrust.blogspot.com/feeds/7538484167762163397/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment/fullpage/post/959150745594998180/7538484167762163397' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/959150745594998180/posts/default/7538484167762163397'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/959150745594998180/posts/default/7538484167762163397'/><link rel='alternate' type='text/html' href='http://financialplanning-unittrust.blogspot.com/2010/04/rule-of-72.html' title='Rule of 72'/><author><name>kmcheong</name><uri>http://www.blogger.com/profile/17616412953940954512</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiwlUJcWNyHGvtFjZzto7Xq3gi2x6F2dIBPTWPPnFUt2sYPIokiRiyHwfZPii20e2SLg255VNkDpqj_IuafXMJDj75ruKHkkRb1Ah9saNT11RkNt43nZr6kPAANdHsOLwySBUOaUBjq9VA/s72-c/money.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-959150745594998180.post-5639924815144473793</id><published>2010-04-04T22:59:00.004+08:00</published><updated>2010-04-05T01:59:29.329+08:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Investment Tips"/><title type='text'>Why should we invest and get more than 5% p.a.?</title><summary type="text">

If you live in Klang Valley like I do, I&#39;m sure you are feeling the pinch with ongoing increase in prices of food, grocery, petrol, etc. The government is declaring that the inflation rate is in the region of 2-4% per annum, but mind you, the inflation rate published was for the whole of Malaysia, inflation rate in the city is definitely higher than the rural area. Below are some data collected</summary><link rel='replies' type='application/atom+xml' href='http://financialplanning-unittrust.blogspot.com/feeds/5639924815144473793/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment/fullpage/post/959150745594998180/5639924815144473793' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/959150745594998180/posts/default/5639924815144473793'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/959150745594998180/posts/default/5639924815144473793'/><link rel='alternate' type='text/html' href='http://financialplanning-unittrust.blogspot.com/2010/04/why-should-we-invest-and-get-more-than.html' title='Why should we invest and get more than 5% p.a.?'/><author><name>kmcheong</name><uri>http://www.blogger.com/profile/17616412953940954512</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhj2rFSTB2BpEmchMsniBC_qVaVXxDvxQ9gV5gMAtAdQQyC9eha-R1iuBC-pCdqhVfcunC9EAyx43Sx6NejmsDfoQUUrY-Wwy7YewJO6l9RbGyA6yAo9LAT_32uP9Pvbufz-Q2gObpnhhE/s72-c/inflation.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-959150745594998180.post-6496211062837114754</id><published>2010-04-04T22:10:00.001+08:00</published><updated>2010-04-05T01:31:34.874+08:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="EPF"/><category scheme="http://www.blogger.com/atom/ns#" term="Retirement"/><title type='text'>A quick way to estimate how long my EPF can last?</title><summary type="text">It is very unfortunate that not many Malaysians including myself have a million in our EPF account when we retire yet we need about million if they would like to retire in the same lifestyle. Thus, many whom i speak to either continue to work (get a part time job) or forced to change their lifestyle, living within their means. Is that what we want in our retirement?
I find the following very </summary><link rel='replies' type='application/atom+xml' href='http://financialplanning-unittrust.blogspot.com/feeds/6496211062837114754/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment/fullpage/post/959150745594998180/6496211062837114754' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/959150745594998180/posts/default/6496211062837114754'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/959150745594998180/posts/default/6496211062837114754'/><link rel='alternate' type='text/html' href='http://financialplanning-unittrust.blogspot.com/2010/04/is-there-quick-way-to-estimate-how-long.html' title='A quick way to estimate how long my EPF can last?'/><author><name>kmcheong</name><uri>http://www.blogger.com/profile/17616412953940954512</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjad2Q16RH-NNgHr4kJQAsCr86Dr7vEK6nNMJFuxIcsK2vttbXkkAH8sK4JaIyAK-jcHOKVNSxCl6Y6s78Bxlua8fByq7gyraL2PQ-ZTHsHzWhGgpkyf2uHtzMx8SxDgCIL6k8Udt-q6ks/s72-c/KWSP+Logo.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-959150745594998180.post-2735417612649714365</id><published>2010-04-04T17:52:00.003+08:00</published><updated>2010-04-05T02:03:26.792+08:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Retirement"/><title type='text'>How much do I need for my RETIREMENT?</title><summary type="text">
Knowing how much you need for your retirement is the first step in retirement planning, your first step to financial success!

You can use some of the online calculators below to estimate your retirement needs or if you are interested to learn how the calculation works (in the case where you want to share this with your friends), i&#39;ll take you through here.


My Retirement Needs

1. Find out </summary><link rel='replies' type='application/atom+xml' href='http://financialplanning-unittrust.blogspot.com/feeds/2735417612649714365/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment/fullpage/post/959150745594998180/2735417612649714365' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/959150745594998180/posts/default/2735417612649714365'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/959150745594998180/posts/default/2735417612649714365'/><link rel='alternate' type='text/html' href='http://financialplanning-unittrust.blogspot.com/2010/04/how-much-do-i-need-for-my-retirement.html' title='How much do I need for my RETIREMENT?'/><author><name>kmcheong</name><uri>http://www.blogger.com/profile/17616412953940954512</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjqOy3__nnPdPUy1orhLbntYiQhbOjGF7Jgm0txbbWswWVMOmaX-giHoa0Cq7Lx8fGSovS6FSPAWIPtyZ4uYAUEchiyxJe_eFPTj0jzX2Hm3AqlFeVO5wmWBOtn8cw6lNEf4G4L-6cZWBQ/s72-c/key+to+retirement.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-959150745594998180.post-7220433600425235656</id><published>2010-04-04T01:18:00.001+08:00</published><updated>2010-04-05T12:13:19.659+08:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Investment Tips"/><category scheme="http://www.blogger.com/atom/ns#" term="Warren Buffett"/><title type='text'>Warren Buffet&#39;s principles of success</title><summary type="text">
   &quot;I always knew I   was going to be rich. I don&#39;t think I ever doubted it for a minute&quot; - Warren Buffett

     
              
    

</summary><link rel='replies' type='application/atom+xml' href='http://financialplanning-unittrust.blogspot.com/feeds/7220433600425235656/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment/fullpage/post/959150745594998180/7220433600425235656' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/959150745594998180/posts/default/7220433600425235656'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/959150745594998180/posts/default/7220433600425235656'/><link rel='alternate' type='text/html' href='http://financialplanning-unittrust.blogspot.com/2010/04/fw-warren-buffets-principles-of-success.html' title='Warren Buffet&#39;s principles of success'/><author><name>kmcheong</name><uri>http://www.blogger.com/profile/17616412953940954512</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgY4Kq0EIPLhY6Np417evzqPHaK8JdpkkY7Yue_LRYZ6kHWVyrmMfjh998FtSdIV7ScLqYXtQceO2OaGHLoRU9AvwS-QvKYl5CTIFaBNd9hv6WWS_dxygoBV4hjWv6tsBiQUlJhsRI974U/s72-c/image001.jpg" height="72" width="72"/><thr:total>0</thr:total></entry></feed>