Speaking at the press conference today, J. Campbell Tupling, Chief Executive Officer of CIMB-Principal, said: “The Fund will provide exposure to stocks that will benefit from the strong and rising demand for natural resources and basic materials namely energy, metals, agriculture and renewable energy. The demand for these global commodities is driven by the current “supercycle”, an observable and prolonged trend which has a significant impact on businesses and the economy.”

Tupling continued that current trends include population growth, industrialisation, urbanisation and clean energy, which are triggering a ripple effect on the commodities sector.  By 2050, the world’s population is expected to rise from 6.5 billion to 9.1 billion and the E7 emerging economies (the BRIC economies of Brazil, Russia, India and China, plus Indonesia, Mexico and Turkey) are expected to become approximately 50% larger than the current G7 economies (Canada, France, Germany, Italy, Japan, UK and US). The urban population in the East Asia/Pacific are also likely to increase by 1.1 billion in the next 20 years.¹ 

“As populations increase and lifestyles change, there is a permanent shift in demand for more food, efficient energy resources and better infrastructure. Therefore, supply needs to find ways to keep up. Consequently, it will also drive the adoption of alternative energy sources to mitigate increasing pollution,” explained Tupling.

Meanwhile, Tan Beng Wah, Chief Executive Officer of CIMB Wealth Advisors Berhad (CWA) said: “The nature of the Fund makes it simpler for investors to diversify their portfolio further as it invests in companies along the entire commodity value chain, ranging from companies that are involved in project financing to production and maintenance.”

The Fund, which will be primarily distributed by CWA (formerly known as CIMB Wealth Advisors), appeals to all investors, especially those who wish to observe Shariah guidelines in their investments. Tupling added that investors can do so with confidence as a Shariah-compliant fund shows no significant difference in performance as compared to a conventional fund over the long-term.

The Fund offers potential capital growth over the medium to long term, investing at least 70% of its net asset value (NAV) in Shariah-compliant equities and Shariah-compliant equity related securities of companies that are primarily engaged in activities related to commodities. However, it may also invest in Shariah-compliant derivatives such as commodity exchange-traded funds and commodity indexes if it presents a more compelling alternative to equities, but subject to a maximum of 28% of the Fund’s NAV.

The CIMB Islamic Global Commodites Equity Fund has an approved fund size of 600 million units, with an initial offer price of RM0.2500 per unit. It is also distributed by CIMB Bank, CIMB Private Banking and CIMB Investment Bank with a minimum initial investment of RM1,000.

Article Source

Every fund has its own investment profile. Investors should have a clear understanding of the investment strategy taken in each fund that they are considering to ensure it is consistent with their personal investment objective and risk tolerence level. Even the funds within the same category may have significat difference in the investment holdings. For example, the risk exposure in large-cap growth companies is definitely much lower than for penny stock funds.

2) Past performance.

Investors may look into the past performance trend of the fund to gauge its future performance. Do bear in mind that the past performance may not repeated in the future and we should no be overly excited to see one year of good result if the fund is only newly established. A good fund should be the one that has been consistently out-performing it peers, be it during good and bad times.

3) Cost.

Investors must aware that when they buy or sell the funds, there are fees and expenses embedded in every transaction. For example, the expense ratio of a small funds tend to be higher than a large fund while a regional or global fund usually will carry higher cost compared with domestic fund.

4) Fund Management

The Fund management is very important to ensure continuity and consistent performance. If a fund changes management too frequently, it very difficult for us to gauge the performance of the fund as different managers will have different styles wich may effect the performance of the fund.

Example : If the manager tend to have higher portfolio turnover, then the expense rati of the fund may increase even tough the nature of the fund holdings remains the same.

Hopefully by having better understanding of the above, you may able to make meaningfull comparison among unit trust fund that you interested and identified ones that suit you most

Happy Investing :wink: 

2) Growth funds - generally are more aggresive than income funds but have the possibility or earning higher returns by focusing on the objective of long-term capital appreciation rather than income producing or short - term gain. Example small caps funds, commodity funds, index funds and gold funds.

Before you start evaluate these type of funds there are 2 things you must considered :

1. your investment goal or objective.
2. risk level that you afford to take.

Certain investors invest for his own purpose, some invest for retirement and if you are already close to it than u should look at income funds that are more predictable. However if you are still younger (like me ) and you maybe married and want to save for your children which will be 10 or 15 more years you may look for growth funds that generate higher return but with higher level of risk.

Once you are clear on what you are looking than you can narrow down your selection to either income or growth category and you can move the next step of identifiying the most suitable funds within selected category.

Happy investings

Chief Executive Officer, J. Campbell Tupling stated: “Since its launch in March 2008, the Fund has been popular with investors. As a tax-friendly alternative to traditional bank deposits, the Fund seeks to provide investors with potentially higher returns without compromising accessibility to their cash, allowing investors to withdraw anytime without penalty.”

The CIMB Islamic Money Market Fund aims to provide investors with liquidity and regular income while maintaining capital stability by investing primarily in money market instruments that conform with Shariah principles. The Fund is distributed by CIMB Wealth Advisors, CIMB Private Banking, CIMB Bank and Standard Chartered Bank.

J. Campbell Tupling, Chief Executive Officer of CIMB-Principal, stated: “Sentiments in China are slowly improving with its USD585 billion stimulus plan. Positive developments are visible in major sectors encompassing infrastructure, housing, innovation, health and education that will enable China to charter a high growth potential.  Investors will then have the opportunity to capture the market exposure through this Fund. The Fund will receive potential annual dividend payments linked to the performance of China equities as represented by the Dynamic China Index. We will be able to select and lock-in the investments at the lowest investment entry point to enhance potential gains after a 6-month observation. The Fund’s structure and low investment cost will  appeal to investors looking for a regular income stream and prefer not to take much risks given the current global economic outlook.”

The 5-year close-ended Fund will invest at least 95% of the Fund’s Net Asset Value (NAV) into China Recovery Structured Product, while up to 5% of the remaining Fund’s NAV will be invested in liquid assets for liquidity purposes.

Tupling explained that the Fund rides on China’s economic recovery and comes with three key features. Firstly, the Fund offers capital protection if held to maturity. Secondly, it reduces investors’ dilemma of when to enter the market, where the Fund will automatically select the lowest monthly entry level based on the lowest entry point observed in the initial 6 months. Lastly, the Fund gives investors the option to lock-in and cash out annual profit to eliminate point risk at maturity.
 
“Investors can expect a better outlook for China this year as the consensus view is that China will be one of the first economies to recover. The CIMB-Principal China Recovery Structured Fund is open for investment for 45 days and closes on 3 June 2009,” Tupling added.

The CIMB-Principal China Recovery Structured Fund has an approved fund size of 300 million units, and an initial offer price of RM0.50 per unit. It is distributed by CIMB Bank, CIMB Private Banking, CIMB Investment Bank, and CIMB Wealth Advisors.

More details about this funds you can click here

Article Source : CIMB Wealth Advisors Website

Failaka Advisors is the recognised leader in Islamic fund research, offering institutions and private investors access to a wealth of information on Shariah-compliant investment funds. Established in 1996, Failaka was the first company to monitor the performance of Shariah-compliant funds worldwide. It has then expanded its products and services to include advisory services and an online database and guide for Shariah scholars.

J. Campbell Tupling, CEO of CIMB-Principal said: “It is a great honour for CIMB-Principal to receive this award. The Fund has outperformed its index over a 3-year period by 25.91%. The award goes to show that our fund has performed commendably with good capital preservation over the long term.”

To date, the Fund has proven to be suitable for investors with a medium to long term investment horizon and for those who want to invest in a diversified portfolio that adheres to the Islamic principles. Currently, the Fund is conservatively positioned with an equity allocation of 70%. In addition, the Fund has a bar-bell structure with a layer of defensives stocks which together make up 10% of the portfolio. At the same time, the Fund is also keyed into the current market themes, which is currently overweight in the Construction sector in anticipation of more pump-priming projects.

“We have proven ourselves worthy and trust that investors will continue to stay invested with us despite the challenging economic environment.” Tupling concluded

more info you can read here:-

1. News Straits Times
2. Berita Harian
3. Utusan Malaysia

A sustainable and strategic Investment portfolio always has the right base, core funds with consistent performance. At CIMB-Principal, we recommend asset allocation solutions that properly balance your risk tolerance with your potential return expectations and optimise your hard-earned money.

• Stability : Funds do not follow trends, but focus strong fundamentals to deliver long-term results
• Security : Regular investment saving into these consistent performers will result in a solid retirement base
• Simpicity : Straightforward, diversified funds that are easy to understand and hence invest in
• Result : Consistent performance over the long term

Click to view the chart

source: Lipper & MorningstarDirect

• **3 Years - 29/07/2005 - 31/07/2008
• *** 5 Years - 31/07/2003 -31/07/2008

For more info kindly contact me at 019-3649613 or email murtaza@cimb-wealthadvisors.info

Sering saya ditanya “Apakah rahsia untuk menjadi kaya?”. Apa satu perkara yang boleh kita lakukan untuk memastikan kita menjadi jutawan?

Jawapannya amat mudah- infact, ianya bukan lagi rahsia oleh kerana didalam apa jua buku kewangan peribadi di dunia, sudah pasti terdapat satu bab menceritakan cara ini. cara yang 100% sekiranya digunakan akan menjadikan kita jutawan. Ya, anda juga boleh menjadi jutawan sekiranya mengikut cara ini. Tidak kira latar belakang pendidikan kita, tidak kira tahap intelegent kita, tidak kira apa kepakaran kita, terdapat satu cara yang akan memastikan seseorang itu menjadi jutawan. Namun, tidak ramai yang benar-benar mengambil kesempatan ini.

Caranya bukanlah cara cepat kaya… tetapi, cara pasti kaya. Hendak tahu apakah caranya? Izinkan saya jelaskan dengan satu gambaran…

Bayangkan seorang bayi apabila dilahirkan, pada setiap hari, ibunya meletakkan RM1.00 ke dalam tabung untuk bayi tersebut. Sehari satu ringgit. Sebulan jumlah nya menjadi RM30. Setahun, jumlahnya menjadi RM365. Teruskan simpanan kedalam tabung bayi tersebut dan ketika bayi itu berumur 40 tahun, jumlah yang terkandung didalam tabung tersebut adalah RM14,600.

Wang yang disimpan tidak berkembang. Mungkin tabung yang digunakan perlu upgrade menjadi tabung yang lebih besar. Tetapi, let’s face it… RM14,600 dari simpanan selama 40 tahun bukanlah jumlah yang
besar.

Sekarang, bayangkan sekiranya wang tersebut di simpan di dalam unit simpanan yang memberi pulangan interest sebanyak 12% setahun dan RM1 di simpan setiap hari sejak dilahirkan. Wang yang sepatutnya
hanya RM14,600, kini menjadi RM352,943.18 selepas 40 tahun.

RM352,943.18 ??? Dari mana datangnya lagi RM338,343?

Ini adalah jawapan kepada soalan bagaimana hendak menjadi kaya dengan pasti. Penambahan RM338,343 tersebut datangnya dari kuasa kompaun (Compound Interest)

Compund Interest adalah alat yang paling utama yang memberi kekayaan kepada orang-orang kaya di dunia. Elbert Einstein pernah di tanya mengenai compund Interest. Jawapan yang diberikan olehnya amat
mudah. Katanya, compund interest adalah “the greatest invention of all time”.

Sememangnya contoh saya mengenai bayi di atas agak tidak lojik. Takkan pula seorang ibu  boleh memasukkan RM1 setiap hari sehingga umur bayi tersebut 40 tahun. Tetapi, contoh saya tersebut adalah
untuk menunjukkan bahawa betapa kecilnya simpanan kita, sekiranya dilaburkan pada jangka panjang, ia akan menjadi amat besar!

Saya mempunyai kenalan yang tahu mengambil advantage kuasa compound interest. Mereka adalah pasangan suami isteri sederhana. Pendapatan suami adalah RM2,500. Pendapatan Isteri juga RM2,500. Mereka hidup dengan sederhana dan tidak boros. Sehinggakan, segala perbelanjaan untuk menampung hidup dibayar oleh suami- kediaman, kereta, makan minum dan segala keperluan di bayar oleh suami. Manakala, gaji isteri di simpan ke dalam unit simpanan yang memberi pulangan 12%  (Kini di Malaysia, pulangan 12% adalah agak biasa sekiranya anda research syarikat-syarikat Mutual funds). (Why not choose CIMB WA )

Pasangan tersebut sebenarnya adalah didalam jalan yang akan membawa mereka menjadi jutawan!

Bagai mana? Dengan menyimpan RM2,500 setiap bulan dan diberi pulangan 12% atas simpanan mereka, katakan mereka mulakannya pada umur 25 tahun (kahwin muda!).

Sebelum umur mereka mencecah 45 tahun, kekayaan mereka berjumlah RM2,473,138.41 . Ya, hampir RM2.5 juta! Dan ini dengan hanya menganggap gaji Isteri yang disimpan langsung tidak naik selama 20 tahun tersebut. Pasangan tersebut mencapai status jutawan pada umur 38 tahun! Kesemua ini adalah hasil kuasa compound interest!

Sekiranya anda tidak teruja dengan angka-angka ini, biar saya jelaskan lagi mengenai kuasa kompound interest dan apakah kunci kejayaan kompoun interest.

Kunci untuk compound interest. Iaitu, mulakan dengan cepat! Sekiranya anda berlengah memulakan simpanan anda, efek compound interest diperlambatkan.

Perhatikan senario ini. Zahid menyimpan RM200 setiap bulan sejak mula bekerja pada umur 20 tahun.

Asri pula lambat mengambil tindakan. Asri mula menyimpan pada umur 27 tahun. Tetapi, Asri menyimpan RM400 setiap bulan. dua kali ganda lebih dari Zahid.

Mari kita lihat apabila mereka berdua menjangkau umur 38 tahun…

Simpanan pelaburan Zahid adalah RM 115,124.39

Simpanan pelaburan Asri pula adalah RM 108,758.34 - walaupun Asri menyimpan dua kali ganda dari pada Zahid.

Ini menunjukkan keputusan Zahid melabur awal- walaupun sedikit jelas memberi pulangan yang lebih berbanding dengan Asri yang mengambil keputusan melabur lewat - walaupun dua kali ganda.

Sekarang, mungkin antara pembaca mengeluh… tapi Irfan- menunggu 20 tahun adalah masa yang lama! Menunggu 15 tahun adalah masa yang lama untuk mencapai kekayaan.

Anggap compound interest sebagai alat untuk menjadi kaya. Walaupun mungkin mengambil masa yang lama, namun, ia adalah cara yang pasti. Teringat saya tentang cerita sang arnab dan kura  kura. Di mana arnab dengan pantas dan bongkak memulakan perlumbaan. Tetapi, di akhir  perlumbaan, sang kura-kura yang perlahan yang tersenyum riang memenangi perlumbaan!

Buat pesanan akhir, tanya diri sendiri. Boleh kah anda menyimpan RM10 setiap hari mulai hari ini kedalam akaun pelaburan yang memberi pulangan 12% setahun? Jika boleh, teman, dalam masa 30 tahun, anda juga adalah seorang jutawan!

Salam cemerlang!

p/s : Jika anda berminat sekarang adalah masa terbaik untuk membuat pelabuaran kerana kebanyakan harga pasaran saham unit amanah berada pada tahap rendah. untuk mendapat khidmat saya anda boleh hubungi saya di talian 019-364 9613.

artikel source : Irfan khairi newsletter Jutawan dan Pengasas Rahsia Internet dan Mentor Jutawan

KUALA LUMPUR: In the midst of a challenging environment, the World Bank remains positive on the outlook of growth for Malaysia.

“We remain very optimistic in general for East Asia and Malaysia specifically. We see a government that is working hard on the issues that it’s being confronted with. We believe the growth can be sustained,” said World Bank vice-president of East Asia and Pacific Region, James Adams.

“It is not just with Malaysia but more generally, the price changes for last year have presented strong economic challenges to governments. All governments are struggling with those issues and we are pretty confident the governments will come to grips with that,” he added.

Speaking to reporters on the sidelines of the World Economic Forum on East Asia, Adams said the recent changes the Malaysian government had put into place showed that it was committed to coming to grips with the problems it was facing.

“I think the Malaysian government has been an interesting government in terms of macro policy. By international standards it has done a consistently good job. It’s easy to go through a prescription of what the books tell you to do.

“What is hard is for governments reflecting on their particular circumstances to decide how they can implement it effectively, given the political and economic concerns. On those measures, I think Malaysia has done a good job and so we are pretty confident that that record is going to continue,” said Adams.

He said the concern on inflation today was what complicates decisions on policies.

“It makes it hard. When you have price stability, you have more flexibility. I think what we are seeing is, there is no lack of attention on this issue. Everybody sees inflation as a key constraint. The challenge is what policy prescription in a country’s specific situation is best to deal with that,” he pointed out.

“If you are an oil exporter, you are benefiting right now in terms on oil price but you still have to manage the inflation. Every country has to look at its particular circumstances and make decisions on that,” he added.

Nevertheless, Adams reckoned the speed of adjustment to changes in the economic environment had improved. “The speed of adjustment relative to historical times has increased. We know a lot more of what’s going on in the economy and how that can be effectively addressed and that’s the encouraging message that one sees,” he said.

“We see a pragmatic adjustment to the new realities. The speed of adjustment has been aggravated in terms of the special problems the US has been confronted such as the financial and the subprime crises. But we see that evolution is continuing.

“We are quite optimistic that the overall growth rates are going to be sustained. It’s not clear where the US is but it appears to be growing marginally. Most people are predicting 1% growth. I think it’s everybody’s interest that the growth rate increase but that will happen after the financial problems of the subprime crisis are over,” he added.

However, with the slowdown in the US thereby causing a decline in export demand from there, Adams said the decrease in export demand from the US had been offset by the growth in the European nations.

“We continue to see a very strong dynamic East Asia. We do see some shifting going on in terms of the sources of markets. Growth rate in US slowing and the input growth rate is slowing. But the better growth rates of Europe some what compensated for that,” he pointed out.

Ketua Pegawai Pelaburannya, Raymond Tang berkata, unjuran itu berdasarkan kepada keadaan pasaran tempatan kurang merasai impak daripada krisis kewangan global.

”Saya berpendapat pasaran tempatan kurang turun naik meskipun ia kini menunjukkan aliran menurun, tetapi saya rasa terlalu awal untuk menjelaskan risiko impak yang akan dirasai pada masa depan (ekoran krisis tersebut),” katanya.

Beliau berkata demikian semasa menyampaikan taklimat bertajuk, ‘Bagaimana melabur di pasaran yang sukar’, di sini hari ini.

Turut hadir pada majlis tersebut ialah Ketua Eksekutif CIMB Principal, Datuk Noripah Kamso.

Raymond menjelaskan, ketidakstabilan pasaran tempatan semasa bukan disumbangkan oleh dasar pasaran yang lemah tetapi sikap pelabur yang terlalu cepat panik dan berasa bimbang dengan persekitaran semasa.

”Ini bukan masa untuk bersikap panik tetapi perlu bijak bertindak dengan membuat keputusan dalam melabur.

”Namun, pelabur perlu memahami bahawa melabur di dalam pasaran saham telah menunjukkan bukti bahawa setiap kali ia menurun maka ia akan naik, daripada situ, keuntungan boleh diperolehi,” katanya.

Sementara itu, Noripah mencadangkan kepada pelabur supaya memberikan tumpuan kepada portfolio pelaburan bertempoh tiga hingga lima tahun dan sentiasa mengamalkan sikap suka menabung secara tetap meskipun pada kadar minimum RM100 sebulan kerana ia lebih murah, selamat dan menguntungkan.

”Perbuatan melabur dengan jumlah wang yang banyak dan kemudian tidak berbuat apa-apa terhadapnya adalah satu tindakan pelaburan yang tidak tepat,” ujarnya.

Dalam masa yang sama, Noripah turut mencadangkan lapan dana induknya yang telah diperkenalkan di pasaran sebelum ini untuk dijadikan pilihan oleh pelabur dalam keadaan persekitaran yang sukar ini.

Menurutnya, dana-dana tersebut mudah difahami dan dilaburkan serta memiliki portfolio yang luas serta dibahagi kepada dua segmen iaitu dana berasaskan syariah dan juga dana konvensional.

Empat dana berasaskan syarikat itu ialah CIMB Islamic DALI Equity Growth Fund, CIMB Islamic DALI Equity Fund, CIMB Islamic Balanced Growth Fund dan CIMB Islamic Balanced Fund.

Dana konvensional pula ialah CIMB-Principal Equity Fund, CIMB-Principal Equity Growth & Income Fund, CIMB-Principal Balanced Fund dan CIMB-Principal Bond Fund.

Petikan Utusan Malaysia 16 Oktober 2008.