Hari Raya 2009

Perjalanan dimulakan selepas

sembahyang Jumaat 18/9/09

Nak dijadikan cerita aku balik ke Kedah

melalui jalan Grik,Perak.

Penat la ikut jalan tu coz terlalu lama.

Nak dijadikan cite lagi aku bwk satu kete

ayah aku bwak ag satu.

So sampai ka Grik tu aku

dan family benti nk bkak pose,

tanoa diduga itulah kedai RIZ AF.

me, my mom, riz n cousin

p/s: camera x elok lak.

Peejalanan diteruskan,

Sampai dalam kul 9 mlm dituruti

sedare2 yg laen.

Esok harinye.

Owg yeye bt keje.

Jolok jgn x jolok
me n last uncle
msk nasi impit

Huhu akhirnya Hari Raya

menjelang

tapi sayng tak manyak gbr yang dapat diambil

kerna kedatangan sedara mara yang x putus2.

ngn adik

perbezaan 'cucur2 rakyat'

ALHAMDULLILAH,
Erkk kenyang makan sahur pagi ni,
Lame aku tak sahur ngn family,
Yela asyik makan nasi 'bungkus jer.

Abis makan aku lepak sembang ngn parents aku,
Kebetulan cucur udang semalam masih ada atas meja,
Aku rase cam da knyg sangat da tapi mak aku suruh habiskan gak,
Nak wat camne mkan jela.
p/s: syurga di bawah tapak kaki ibu kan.

Da abis makan 2 ketul aku da surrender,
Yang tinggal pun hanya 4 ketul lagi,
So mak aku suro ayah aku pulak,
Ayah aku pun x menolak.

Tapi mase dok makan tetibe ayah aku gelak,
Die pun memulakan ceritera,
Satu hari yang da lama,
Die pergi ke bazar nak beli cucur udang.

Masa nk beli tu ayah aku tgk udang mcm xde,
Dalam erti kate laen kedai tu kedekut la,
Pastu makcik kedai tu dengan selamba menjawab,
Cucur badak x de badak pun????
p/s: cerita ini adalah diadaptasikan dari
cerita yang betul.

INVESTMENT IN ETF

Baru2 ni aku lepak kat library UiTM aku n sambil dok lepak tu tetibe membe aku suro aku baca buku bertajuk SMART INVESTOR. aku pun da x de nk buat pape bacela... jap g aku ternampak ada atu ruang yang menarik perhatian aku pasal investment and kalo korg berminat try la invest kat c nie k...nie ha die yang aku baca kat bwah ni...

What the FBM KLCI etf has to offer

Published: 2009/07/11

Globally, ETFs are increasingly becoming popular as an alternative investment instrument.

According to Strategic Insight, global net sales of mutual funds (excluding ETFs) were minus US$6 billion (RM21.42 billion), while net sales of ETFs were positive US$7.7 billion (RM27.49 billion) during the first three months of 2009*(1).

A recent study also revealed that trading volume increased by 85 per cent from year-end 2007 to year-end 2008, on all exchange products in Asia, ex-Japan(*2).

Although ETFs are experiencing a growth in popularity across the world, these instruments are still new to many investors in Malaysia. The first equity ETF(*3) launched in the country is the FBM30etf (now known as FTSE Bursa Malaysia KLCI etf).

We would like to share with you some of the investing benefits of the fund and how you can use it to capture investment potential in the Malaysian stock market.

Investing in the FTSEBursa Malaysia KLCI etf (FBM KLCI etf *4)

* Buy Malaysia's top 30 stocks in one deal

FBM KLCI etf is designed to follow the performance of its benchmark index, FTSE Bursa Malaysia KLCI. "The Fund, as at end of last month, has given a year to date return of 22.61 per cent. The one year return is -7.37 per cent, in line with the index's performance of -6.62 (*3) per cent," said Datin Maznah Mahbob, chief executive officer, Funds Management Division of AmInvestment Group Bhd.

The index comprises the top 30 largest companies in the market. Hence, buying the fund will give investors the advantage of immediate exposure to the country's top 30 stocks which are representative of the Malaysian stock market.

Moreover, investors will also benefit from this cost-efficient tool as it is less costly than building a portfolio from multiple stock purchases.

* Cheaper way of investing

The cost of investing in the FBM KLCI etf is generally lower than an actively managed fund. This is because the fund is passively managed as compared to actively managed funds that involve frequent trading, thus generate higher transaction costs, which in the long run could diminish the fund's return.

For example, a unit trust fund may charge up to 1.5 per cent per annum on management fee(*3), which is much higher compared to the management fee of 0.50 per cent charged by FBM KLCI etf.

In addition, investors purchasing a unit trust fund may incur entry fees of up to 6 per cent, while the fund does not charge any entry fee. There is nominal brokerage and clearing fees.

* Transparency

With the fund, investors also have the advantage of easily accessing real-time information such as fund prices and fund information.

With the transparency that the fund offers, investors can regularly monitor and have an up-to-date valuation on their investment.

These help them to capitalise on market trends and also make informed trading decisions. "These endearing features are some of the main reasons why investors increasingly embrace ETFs as their choice of investment," noted Maznah.

* Liquidity

Since the FBM KLCI etf can be bought and sold throughout the trading day, it offers the same level of liquidity as any other stocks on the exchange.

Like any other ETF structure, the fund's liquidity is also enhanced by its unique creation and redemption process. Liquidity providers or participating dealers are appointed to provide liquidity for the creation of new units when demand is high or the redemption of units when demand slows.

The liquidity offered by the fund provides investors the flexibility to enter and exit the market easily and this enables them to capitalise on market opportunities.

* Solution for portfolio construction

Investors can also opt to use the fund as a core holding in investment strategies. They can leverage on the broad diversification and lower costs of the fund through the core holding and then add stocks, unit trust or other alternative investments to enhance their investment portfolio.

Maznah acknowledges that ETFs are most effective when used as tools for implementation of investment strategies.

She said, "Investors can take advantage of the ETF such as the FBM KLCI etf to construct portfolios that meet their respective investment requirements. When the fund is combined with other investment products, more sophisticated portfolios can be realised."

* Affordability

FBM KLCI etf is very affordable compare to stocks and unit trust. The minimum trading board lot size is 100 units. If the FTSE Bursa Malaysia KLCI is at 1,052.26, an investor who wants to buy the FBM KLCI etf only has to pay RM1.05 to buy the minimum lot, which means the investor has to only fork out RM105 to buy the ETF. The initial investment for unit trusts start from RM1,000.

.

wajarkah indonesia

Baru2 ini di Jakarta, Indonesia dikatakan ada pihak tertentu telah pun membuat demonstrasi dengan mengadakan sekatan jalanraya. Sekatan ini diadakan dengan logo 'SWEEP MALAYSIA'. Tujuan sekatan jalanraya ini dijalankan adalah bagi membantah kononyan Malaysia telahpun mengambil lagu ciptaan Indonesia bagi mempromosikan Negara Malaysia. Hal ini telahpun dijelaskan oleh pihak Malaysia bahawa iklan yang dipertontonkan itu adalah hasil sebuah produksi iklan swasta dan ini tidak ada mengena dengan pihak Kerajaan Malaysia. Oleh itu pihak tertentu yang mengadakan sekatan jalanraya ini adalah salah satu tindakan yang tidak wajar dilakukan, ini kerana ianya boleh menyebabkan ketegangan antara dua buah negara yang sebelum ini telah menjalinkan hubungan yang baik dan damai. Jadi pihak Indonesia perlulah mengambil tindakan yang bersesuaian bagi memberhentikan ketengagan ini yang dilihat akan membahayakan rakyat Malaysia disana. Cuba pihak tertentu yang mengadakan sekatan ini memikirkan apakah perasaan mereka jikalau rakyat mereka disini(MALAYSIA) ditahan dan dipukul hanya kerana kesilapan pihak lai. WAJARKAH???