CIMB Principal Asset Management recently launched the New Unit Trust Fund call CIMB Islamic Al Azzam Equity Fund. This Fund aims to acheive consistent capital growth over medium and long term period. It will invest in Syariah Compliant companies listed in Bursa Malaysia.

Minimum amount to invest is RM500 and the Unit Price is RM0.25sen during initial period (ending 21 August 2012).

The Fund distributed by CIMB Bank, CIMB Private Banking, CIMB Investment Bank – Retail Equities and CIMB Islamic Bank.

Happy Investing

source – The Star 8 August 2012 in biz news.

Alhamdulillah diam tak diam dah 13 hari kita berpuasa. Bagi yang beragama Islam Ramadhan adalah bulan rahmat dan pengampunan dari Allah dan bulan kita beramal semoga kita sentiasa bertakwa. Dibulan ini lah kita kena rebut peluang untuk kita membuat pelaburan akhirat.

Pasal tajuk diatas bunyi agak hype jugakkan bolehkah kita beli atau labur duit untuk hartanah tanpa sebarang modal…?

Saya teringat ketika saya nak beli rumah dulu…masa tu saya nak kahwin takde modal nak buat belanja dan hantaran..tetiba datang idea apakata saya beli Rumah dan buat belanja kahwin ??? camana plak tu..

Ok ceritanya cam ni. Proses pertama saya cari rumah within saya nyer budget ar masa tu saya calculate loan boleh lepas RM146K. Cari punya cari saya dapat 1 Rumah yang owner dia tak duduk beli dan nak jual deal dengan agent dia setuju bagi harga RM140K harga bukak RM145K (discount 5K) kena bayar booking 2%.

Proses ke 2 cari valuer tanya market umah tu berapa dan saya cakap kat valuer saya nak wat loan 100% boleh ke tak. Valuer check dan kata boleh dia bagi ar valuer report kat saya kena bayar RM250.

Proses ke 3 saya jumpa lawyer plaknak buat S & P sama citer dengan valuer tadi. So buat S & P dan kena bayar baki 8%…so mana ada duitkan…saya apply personnel loan dapat 12K cukup nak bayar balance 8%.

Proses ke 4 buat loan saya apply 100% so dapat 146K..tapi jumlah yang saya kena bayar kat Penjual hanya RM126K sahaja sebab dah bayar 10% pendahuluan…sekarang saya dah ada lebihan duit RM20K best tak boleh buat duit kahwin ha ha…nanti dulu ingat tak saya ada hutang ngan bank dan lawyer..so saya set off ada ar sikit balance…so sekarang saya dah dapat rumah tanpa modal tapi tak cukup nak wat belanja kahwin so camana

Owh jangan lupa jika anda pekerja anda boleh kuarkan duit dari akaun 2 anda untuk beli rumah…so problem saya selesai duit epf saya keluar buat hantaran dan belanja kahwin kini saya ada Rumah dan Orang Rumah he he :))

Bila teringat saya senyum sensorang masa tu saya tak baca apa apa buku panduan or ada mentor yang cerita macamana nak buat semua tu…ianya berdasarkan keinginan dan tindakan. Just Do It.

Kini dah tak de masalah lagi saya penah baca ada seorang anak muda dah ada 30 biji rumah dah sekarang..gilos betul yang penting bertindak.

Jika anda juga berminat saya nak cadangkan anda bertindak sekarang…saya baru terjumpa seorang pelabur hartanah yang juga membuat pelaburan hartanah tanpa modal…nama beliau ialah Saufi Karim. Saya dah beli dan baca. Isi kandungannya memang menarik mana tau anda juga boleh lakukan yang sama.

Beriminat anda boleh bertindak sekarang dengan melayari web ini www.cinta.my/hartanah

p/s : Saya dah ambil tindakan anda jangan lupa  juga untuk ambil tindakan ya

Agak lama juga saya tak update blog saya berkenaan unit trust atau unit amanah. Masih berminat untuk mengetahui dan berminat untuk melabur dalam unit trust ??? Saya tahu kini banyak cabang pelaburan yang boleh anda letak duit anda, trend terkini adalah pelaburan emas dan juga pelaburan silver.

Jika anda bercadang untuk belajar melabur atau anda masih baru lagi dalam pelaburan unit amanah saya cadangkan anda baca dulu ebook yang ditulis oleh saudara Khairul Ariifin iaitu Rahsia Unit Trust. Melabur dalam ilmu adalah lebih baik dari anda hilang duit beribu ribu ringgit dalam pelaburan yang anda tidak tahu.

Apa yang akan pelajari dari ebook ini antaranya :-

• Perbezaan & persamaan diantara pelaburan unit trust dan pasaran saham.
• Bagaimana untuk menterjemah carta indeks pasaran saham bagi mengetahui arah sebenar pergerakkan pasaran saham samaada turun (downtrend) atau naik (uptrend) . Perkara ini sangat penting untuk menentukan masa yang sesuai untuk anda melabur di dalam unit trust.
• Anda akan didedahkan dengan kaedah ringkas memilih dana saham terbaik yang sedang mengalami peningkatan yang memberangsangkan berbanding dana-dana yang lain .
• Apakah kriteria-kriteria yang perlu dilihat dan dinilai sewaktu memilih dana pelaburan.
• dan banyak lagi

Untuk pengetahuan anda saudara Khairul Ariffin pernah menerbitkan ebook tentang sistem saham jadi pelaburan saham buakanlah perkara asing bagi beliau, kini beliau mendedahkan pula rahsia atau teknik yang perlu anda ketahui untuk melabur dalam unit Amanah atau unit trust.

Saya memang recommend anda dapatkan ebook ini.

Berminat boleh dapat melalui link ini

===> http://www.murtazaosman.com/rahsiaunittrust

Sampai berjumpa lagi..

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