call me / whatsapp 0182815761

Email: Tasha.unittrust@gmail.com / natashabaharom@gmail.com

Be your own boss! Be a Unit Trust Consultant.

Be your own boss! Be a Unit Trust Consultant.

You will enjoy the top 10 benefits as a Unit Trust Consultant as follows:

# Unlimited income
# One of the best commision structures in the industry
# Passive income and flexible working hours
# Overseas trips, public recognitions and awards
# Sales contests, incentives and campaign
# Professional sales and advanced IT tools support
# Integrated training and coaching series
# Be your own boss and lead your own sales agency opportunity
# Incentives and subsidies for agency building and for Chartered Financial Planning (CFP) Exam
# Fast track career promotions, bonuses, insurance coverage and much more

whatsapp/ call/ sms 0182815761 (tasha)

or email natashabaharom@gmail.com

What is Unit Trust?

call me / whatsapp 0196739261 Tasha.unittrust@gmail.com / natashabaharom@gmail.com

PISGIF Fund Performance: Since Inception - todate (30th April 2014)

Hi All,

Pay attention to PISGIF fund performance since inception early this year - todate. This the the fund that allows you to invest as low as RM100.

Call me / whatsapp me 0133029042 if you interested to diversity your investment. Yes, this is one it!!!

Cheers dear!!

 

call me / whatsapp 0196739261 Tasha.unittrust@gmail.com / natashabaharom@gmail.com

When is your last investmet through EPF Member Investment Scheme?

When is your last investmet through EPF Member Investment Scheme?

Do you know that you can top up your investment every 3 months?

Call me if you want to top up your investment but your agent is not in contact. Perhaps his/her license is not renewed by the FIMM?



call me / whatsapp 0133029042 Tasha.unittrust@gmail.com

Losing money in Unit Trust + Fund Performance

Some of my contacts told me that their friend invested in our Unit Trust and losing money in it.

We know that every investment has its own risk and usually you will get the positive return after at least years. If you are lucky enough, you might get it before 1 year.

That is why we as investor must know at least the basic of investing in Unit Trust. Please review first the Product Highlight Sheet or the UTMC's (Unit Trust Management Company) prospectus before you decided to invest. We must understand the risk and the background / track record of the product.

By the way, if you are happened to invest with EPF-MIS before or cash with Public Mutual, and they keep on receiving you statements which you dont understand what the numbers are for, you can also contact me. Or if you have changed your address and you didnt receive your investment updates, please call me. I will try to help retrieving your investment portfolio for you review.

If your previous agent invested your into funds that is giving positive return, lets see what is the NAV for the current time. call me, 0133029042.

Topping up your existing investment? changing your agent whom licensed already terminated? Checking your current NAV for the long time ago's investment? call me. I will try my best to serve you.

==================================

Last but not least..

Below is the fund performance for your easy understanding.

I only provide snapshots for top fund for EPF. The rest, you can always refer at below link:-

Fund Performance

=====================

Dont forget also to review our fund summary and prospectus to fully understanding the unit trust investment basis.

 ====================

call me / whatsapp 0133029042 &  0196739261 Tasha.unittrust@gmail.com / natashabaharom@gmail.com

Smart Snapshot - From the Shariah Prospectus. Tea break time!!!

 For your reading leisure. Enjoy!

===========================================

For full version of the prospectus, please visit Public Mutual website:-

HERE


===========================================

 Any questions about how you can invest in our Unit Trust, please call me / whatsapp / sms to 0133029042

Email Tasha.unittrust@gmail.com / natashabaharom@gmail.com

Cheers!

take a break with snickers and follow me on instragram

follow me on instagram.

You're welcome :)

call me / whatsapp 0196739261 Tasha.unittrust@gmail.com / natashabaharom@gmail.com

Happy birthday my big baby girl

Happy Birthday Baby Girl!!.. mama so sorry... mama forgot about your birthday until your nenek called me on Thursday and asking when is your birthday? The moment nenek called on then mummy realized that your birthday was that coming Saturday!!!

Mummy felt so guilty and just because mummy forgot your birthday in 2 days time  - mummy planned to arrange a small party for you u. Hope you like it.  :D :D :D

Mummy n daddy n your big bro will always love you... and we will always pray that you will be a solehah person.

I love you and your brother.. and your father of course.

======

*wipes sobs.

======


FOR Public Mutual Unit Trust enquiry please call me / whatsapp 0196739261 Tasha.unittrust@gmail.com

PISSF - Investment Analysis

Here's one of my client's portfolio for your review. If you can see it gives positive return after 6 months. 

One of these day, I will try to figure our the map of how Unit Trust via EPF Scheme works. 

This client is investing in PISSF Fund, First Investment date is 17/9/2013 and valuation date is 1/4/2013.

=============================================

 To review the PISSF fund, please do not hesitate to visit public mutual's website below.

PUBLIC MUTUAL BERHAD FUND REVIEW

=============================================

AND AND - DO NOT hesitate to contact me if you think you are eligible to invest!!!

:) :)
 
call me / whatsapp 0196739261 Tasha.unittrust@gmail.com / natashabaharom@gmail.com

Invest in Unit Trust via EPF Member Investment Scheme (EPF-MIS)

Do you know that you can also invest in Unit Trust based via EPF-MIS?

How does it work?

Let me help doing the simple calculation for you.

Investor Z
Age: 33
Total amount in EPF Account 1: RM100,000

Amount of maximum investment based on the above data:

RM12,600.

How do i get the figures?

If you refer below table, and pay attention to the Age & Basic Savings.

Age 33, RM37,000 correct?

So here is the formula where we get the maximum investment amount for the EPF Member Investment Scheme.

20% x (Account 1 EPF Balance - Basic savings)

ie: 20% x (RM100,000 - RM37,000)

RM12,600
============================

Please visit the official public mutual website for fund which are open for EPF-MIS.

HERE


=============================

Alternatively, you can always PM me (like my fb page first) / email / whatsapp / sms / call and let me do the calculation for you.

Cheers Dear!!!!

Tasha

 natashabaharom@gmail.com

Become a unit trust investor with RM100

Hi all,

Here's a chance for you to become a part of our unit trust investor with an initial investment of RM100 (instead of RM1000).

Last weekend, i went to meet for a very young and cute client. She made a good move by investing RM100 out of her salary to our Unit Trust every month. She's 25 and she works in HSBC.

After that i was supposed to meet my colleague in Setapak but since I was in Shah Alam, I called my high school girl friend to meet her (Well, she just moved in to her new home) and the last time I met her was during raya - 2 yrs ago!! So we talked about a lot of thing and she asked about how Unit Trust works in EPF scheme. After a quick explanation (because we were also talked about our classmates when we were in Form 1-3).. we were like so rushing ok. We want to talk about everything at one time.. HAHAHA. Then we calculate how much she's eligible to invest. She was so satisfied (as it still protects her EPF contribution) and she agreed to invest in unit trust via EPF Scheme! Dang!. Then we closed the deal. Congrats my dear friend.

Oh, did I mention both of them are from the same bank company but different branch? Such a coincidence and my lucky day too.. Alhamdulillah.. Thanks to Allah.

***********************************

Back to our topic, Become a unit trust investor with RM100

Below is the snapshot of the fund prospectus. Public Islamic Growth & Income Fund (PISGIF).

 

You can get a full copy of it by clicking at below link.

http://www.publicmutual.com.my/LinkClick.aspx?fileticket=BilxYhnbJLc%3d&tabid=105


or email your request to me.

Have a nice day everyone .. 2 more days for my weekend.

call me / whatsapp 0196739261 Tasha.unittrust@gmail.com / natashabaharom@gmail.com

Unit Trust Initial Investment RM100 only instead of RM1000

call me / whatsapp 0196739261 / 0133029042. natashabaharom@gmail.com

This is the time to open a Unit Trust Investment account as low as RM100 . . .

. . . atau dalam bahasa melayu nya

 "Inilah masanya untuk anda membuka akaun Unit Trust anda dengan modal serendah RM100"

call / sms / whatsapp 0196739261

email | natashabaharom@gmail.com

Buka akaun Unit Trust dengan RM100

Salam all,

Promotion untuk buka akaun Unit Trust dengan hanya RM100 sahaja.

Lekas hubungi saya - 013 302 9042

natashabaharom@gmail.com

Facebook:  natasha.baharom@hotmail.com

EPF Member's Investment Scheme

Investing your EPF monies in unit trust products gives you the opportunity to optimise the potential of your EPF savings for potentially higher returns (at acceptable level of risks) over the long-term, thus providing you with a potentially bigger pool of funds upon retirement.

EPF Members Investment Scheme

The scheme allows EPF members to invest 20% of the amount in excess of the required Basic Savings in Account I.

You can only invest through appointed unit trust management company by the Ministry of Finance.

You are allowed to make your second withdrawal three months after your first withdrawal, provided you are still eligible.

Why invest via EPF Members Investment Scheme?

• No cash investment required - Investment is transacted directly from your EPF Account 1.
• Diversification - Opportunity to diversify your retirement funds with EPF approved funds.
• Capital appreciation - Opportunity to reap capital growth as part of the return on your investment to boost the total lump sum of your EPF savings.

source: http://www.publicmutual.com.my/InvestmentPlanning/EPFInvestmentScheme.aspx

call me / whatsapp 0196739261 Tasha.unittrust@gmail.com / natashabaharom@gmail.com

Agent Unit Trustku yang menghilang...

Beberapa minggu lepas, Caliphs & Associates (termasuk group saya - Walasrian) telah berada di Halfest di The Mines Convention Centre dan mempromosi Unit Trust dari Public Mutual.

Saya cuma berada di sana pada hari Ahad, dan sangat excited sebab itulah kali pertama saya menjebakkan diri dalam "booth promotion".

Salah satu deal yang dapat saya closed hari tu adalah seorang Draughtsman dari Mont Kiara yang berusia 48 tahun. Katanya, dia pernah bagi details pada seorang Unit Trust Consultant dan tandatangan semua forms tetapi Unit Trust Consultant (UTC) itu wallahu'alam.. submit atau tidak investment form client saya itu... Jadi dia menceritakan yang apabila dia dapat statement EPF tidak pernah di"deduct" some amount utk Unit Trust. Pada dia, dia telah rugi beberapa tahun untuk melabur.... So seperti yang saya katakan, its never too late to start a Unit Trust investment..

Jadinya, berkenaan dengan topic hari ni "Agent Unit Trust yang Menghilang".... saya dapat satu lagi client dari tempat kerja yang sama... kerana agentnya banyak kali bertukar dan agent baru tidak follow up dengan pelaburannya dan dia menemui saya untuk "top-up" investmentnya.

So... kepada sesiapa yang membaca blog ini, ingin top up investment tapi servicing agent sudah tidak dapat dihubungi, jangan segan untuk menghubungi saya. Insha Allah, saya akan lakukan yang terbaik sebab niat saya adalah supaya kita sama2 ambil peluang untuk maksimumkan simpanan EPF kita... untuk retirement kita semua.

KL/ Melaka/ Seremban/ Selangor dan insha Allah seluruh semenanjung Malaysia pun boleh..

Insha Allah.. :)

call me / whatsapp 0196739261 Tasha.unittrust@gmail.com / natashabaharom@gmail.com

Understand the Objective of Investing In Unit Trust

first of all, this informative write up is copied from Tuan Arif's blog - arifismail.com

I found this one very useful and he concluded in one write up. Please feel free to enjoy read this one during your leisure.


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The first and the most important thing for you to know about unit trust investment is why you invest. What is your objective? What is your investment need? This is the basic.

Many people when asked to invest, they just look into the potential profit promises by their unit trust consultant, then without a second thought they jump in. They don’t consider the time frame, their own risk profile and they don’t even know what the long term plan for their investment is. It is just a matter of getting more money or because they are being push by the consultants or peers.

Thus, when their investment does not show a good return in the short term, they start thinking that the unit trust investment is not good for them. Then, they shy away from the investment. This is mainly because the investor does not know why they invest and do not understand the principle behind unit trust investment. Part to be blamed is the unit trust consultant that doesn’t educate their clients.

Among the objectives that you must know in investing in unit trust are:

• To grow your money for your children education, your retirement, your EPF, performing haji and umrah, starting up a new business, buying a car and a house or even for your marriage
• To hedge the rising inflation rate that is reducing the value of your money over time
• To leverage the principle of rule of compounding, where if you invest the money over time, the money will increase in a quantum. It multiples over the years. But if we put the money idle, then the money won’t increase. In addition it will be eroded due to the rising inflation rate
Example 1 – Your retirement fund
What is the purpose of your retirement fund – money to finance during your retirement age. Do you think you have enough money on the day you retire where your income stops?

Look at the illustration below. Assume that you are 35 years old now. You are going to retire at 55 years old. Statistics from Bank Negara Malaysia shows that average life expectancy of Malaysian is 75. So you have 20 years to earn before retire and you have 20 years to use the money without income before you go back to see your Allah.

If your family expenses now is RM5,000 a month and you believe that you need that same value of money when you retire another 20 years. By calculating the inflation rate of 4% (published by BNM) a year for 20 years, your RM5,000 value now shall become RM10,955 in the next 20 years. Waaa.. I don’t believe it, you may say. I prove it to you. Nasi lemak now is RM1 per pack. It was RM0.50 in the last 20 years. Right or wrong…

The rule of thumb is that for the next 20 years almost all the goods will have double their price now. If teh tarik is RM1 now, then it will be RM2 in the next 20 years. Similarly, if you think you need RM5,000 now, then you need RM10,000 later in 20 years for the same value of goods and services.

If you calculate that RM10,000 for 20 years (20 multiply by 12 and multiply RM10k) that you don’t have the income flowing in, you will get RM2.4 million. And this is the amount of money you need at your 55 years old if you don’t want to find another job after retired or you don’t want assistance from your kids or Jabatan Kebajikan. Aiyoo.. RM2.4million, so huge. Who has that much of money? Jabatan Kebajikan also can become bankrupt.

Now, if you say I need half of that actually, because I have settled my housing loan and my car loan. So we halve the RM5,000 and it become RM2,500. RM2,500 for the next 20 years with 4% inflation rate shall equal RM5,477. That is your monthly expenses you need. You multiply it by 20 years and 12 months, you will get RM1.3 million. OK, this looks better. But the question again is, do you have that much of money at 55 years old? How much your EPF will be at that time? EPF says that in average people at 55 have RM200,000 in their Account and it finish within 3 years after they retire.

So, this is one of your objectives to invest in unit trust so that you can fatten your EPF money at 55 years of age. Even though you have the EPF of RM1million, you still need an additional RM300k so that when you retire, you are actually retire without going to work again.

Example 2 – Your Child Education Fund
Let say you have a 3 years old child at home. Assuming you want to send him to a local university when he reach 18 years old. The cost of entering a private university is expensive. It is about RM20k a year. For five-year course, it will be RM100k.

How do you raise the money if you don’t want your kid to borrow from PTPTN if it exists in the future. To think that oh… I will have that much of money when I need it without preparing it, is a wishful thinking. So how do you that.

This is why you need a vehicle like unit trust to grow your money. You can look at the illustration below:

You have 15 years to save the money. If you start by saving RM100 a month for your children, you will have an accumulated RM18,000.

Imagine if you put the same amount of RM100 into unit trust a month, with an average return of 12% (industry average), you will get RM50,458 instead of RM18,000. Can you see the big difference. A different of RM32,458. It is like a Perodua Viva price. If you want it to be RM100k, then you must double your savings to RM200 per month.

Which one is practical and easier, putting RM200 monthly or wait until your child become 18 years old, then you raise the RM100k within a month. It must be RM200 monthly right. This is your objective, to save money for your child education so that they can go into university like any other people.

Example 3 – Your dream to have a million in your account before retire
Many people have a dream of having one million RM in their account. This is made possible if we apply a Malay proverb “sikit-sikit, lama-lama jadi bukit”. By leveraging the unit trust funds, if we put RM200 a month for 35 years, our money will become RM1.2 million. Again the assumption is that the annual average return is 12%. I know you may say ooohh… that is very long, by that time I am 70 years old. One of my friends said, yes you are already old, but the difference is whether you have that RM1.2 mill or you don’t have. And let say you are no more in this world, you can always give for charity, your wife, your kids etc and that will become your sedeqah and amal jariah. Sometime because we think only for ourself, we forget to save for other people that are in need for our help in term of money.

If you want that RM1mill faster, than what you can do is to increase the monthly savings as per your target. If you target that you want it in the next 20 years then you must save at least RM1010 a month for 20 years.

Example 4 – Your Umrah and Haji Plan
Similarly, you can ride unit trust to plan for your umrah and haji. From the table above, you can see that if you keep RM100 for 6 years, you will accumulate RM10,576. That is enough for your haji. And if you put want to go for umrah, you save another RM100 for 5 years which will give you RM8,249.

So there are many objectives and plans you can create for your financial needs.

Tips for achieving your financial objective is to start early, do not procrastinate because time is running very quickly without you know it. From one month to another is very short. Remember, from one Friday to another. It feels just like yesterday.

And what is the value of RM100 you save if you don’t put it in unit trust. You can only buy 2 packs of diapers for your baby. Or for smokers, may be you can buy 10 boxes of cigarettes. But imagine what this RM100 can provide in the future for your financial needs. RM1million…

These are the examples of your objectives. If you understand your objectives very well, say for your retirement plan, it doesn’t matter whether the market ups or down because you want to grow your money for another 15 to 25 years. And you know historically if you plot a graph of KLCI, market has never gone down in that long time frame. Therefore you don’t need to panic if the market fluctuates in between your investment horizon.

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call me / whatsapp 0196739261 Tasha.unittrust@gmail.com / natashabaharom@gmail.com

EPF basic savings table: 2013 vs 2014

For your easy comparison - By 1.1.2014, EPF will increase the Basic Savings amount... call me to find out how you can maximize your hard-earned contribution money from EPF Account 1.

 

I will make myself available to consult and show the difference between investing this year and next year. Some people might not eligible to invest next year.

 

Cheers

 

 

 


call me / whatsapp 0196739261 Tasha.unittrust@gmail.com / natashabaharom@gmail.com

New EPF Basic Calculation table w.e.f. 1st January 2014

So is this a good news or bad? The choice is all yours.

call me / whatsapp 0196739261 Tasha.unittrust@gmail.com / natashabaharom@gmail.com