Siapa Tak Faham? Mari Tuisyen Tentang Amanah Saham Bumiputra

Hari ni, kita nak buat kelas tuisyen kejap. Memandangkan kita bloghopping and baca banyak orang yang tak faham dan tak tahu dan bertanya. Mula-mula, biar kita mukadimah.

Amanah Saham Bumiputra atau ASB, adalah saham yang dijual khusus kepada bumiputra dengan kadar fixed RM1.00 seunit. Simpanan ASB terbahagi kepada dua iaitu simpnan dalam bentu buku dan dalam bentuk sijil.

DALAM BENTUK BUKU
- Duit cash, boleh keluar dan masuk bila-bila kita mahu dan tercatat di dalam buku ASB.

DALAM BENTUK SIJIL
- Duit cash, disimpan dalam bentuk sijil kalau mahu digunakan walaupun separuh, mestilah leburkan sijil. Selain daripada tu, sijil ASB boleh digunakan untuk cagaran mendapatkan Overdraft.

CARA-CARA BELI SIJIL?
Wang sendiri atau pinjaman dari bank khas untuk sijil ASB.
Sekiranya kita tak ada cash untuk beli sijil, option yang kita ada ialah dengan membuat pinjaman ASB khas untuk membeli sijil. Kita cuma perlu bayar bulanan dengan pihak bank. Kebaikannya apa? Bayangkan sekiranya kita membuat pinjaman RM150K untuk sijil ASB, dividen yang kita dapat katakanlah 7% dan interest bank ialah 3.9%. Bukankah kita masih untung 3.1%? Kita gunakan dividen 7% untuk membayar hutang 3.1%. Berbanding kalau kita tak pinjam, tak ada sijil dan tak dapat apa-apa.


BAGAIMANAKAH KITA BOLEH MAXIMISE KAN UNTUNG DENGAN ADANYA PINJAMAN SIJIL ASB?

Cara biasa, tahun pertama kita bayar pinjaman ASB ni guna duit sendiri sebelum dapat dividen. Bermakna, tahun pertama je kita keluar modal sendiri. Tahun kedua sudah boleh bayar guna dividen.

Ok ikut cara kita! Kita pinjam RM150K. Dividen tahun pertama, kita tak gunakan untuk bayar pinjaman ASB. Kita biarkan dalam bulu ASB. Jadi, tahun kedua, kita akan dapat dividen untuk sijil dan dividen tahun lepas yang ada dalam buku juga akan dapat dividen. Bermakna, tahun kedua, kita dapat dividen atas sijil dan dividen atas buku. Lagi lumayan kan?

KENAPA OVERDRAFT?

- Overdraft ialah kemudahan yang diberikan oleh pihak bank dengan mencagarkan sijil ASB.
(Hanya untuk sijil ASB yang dibeli secara cash atau sijil ASB yang sudah habis bayar dengan bank)

KEBAIKAN & FAKTA MENARIK :

1) Tidak perlu meleburkan sekeping sijil hanya untuk guna separuh.

2) Kalau kita ada cash contohnya RM50K, kita tak beli sijil kita spend, duit habis dan kita tak dapat apa-apa faedah. Kalau kita ada cash RM50K, beli sijil dan mohon overdraft, kita masih boleh dapat faedah. Faktanya begini, katakanlah dividen ASB 7%, interest bank untuk overdraft ialah 3.5%, kita masih dapat 3.5% dividen. Kalau overdraft tu kita tak pakai, bank tidak charge apa-apa. Jadi overdraft tu jadikan on standby sekiranya berlaku apa-apa.

P/S: Kalau ada soalan tak faham, sila dropkan comment anda ya. Kita sedia bantu anda fahamkan.

Home Financing/Refinancing

Life has been veryyyyyyy busy for me recently. Many task on my table and I have to cope with many things. As at the moment I am doing loans and investment, I have various type of works loaded on my table! And sometimes I even get confuse and what not, I even have gotten the wrong person for the wrong product to key in. So now, I have to keep my time specially to double check on the submission and the owner. Wrong name, wrong product, it means I will be dead meat! :P

Well today, I am going to write about home financing. For 1st time buyer, who is looking for a new home to buy, yes, it is a good time to buy as our BLR has gone down to 5.55 compared to 6.75 last year. And after deduction of the rate, my bank offering rate of 3.7% p.a to customer. Few years back, many people suffered of paying about 7-10% interest p.a. So what are you waiting for? Find a home and finance it.

What if you do not have sufficient fund for financing? You still have solutions! And I am going to tell you a secret. If you having difficulties in sparing 10% of your money or lets assume you do not have money for the down payment,I would normally get the best price for you so that you could run from paying the 10% down payment of the property's price. Just whisper to me. I would try my best to keep you easy.

For you who already own a house, what are waiting for? Refinance your home to get lower rate AND get extra money for renovation or if you in need of cash, yes, refinancing is the solution.

And for you who does not have any properties, buy property. Why? Later when you are in need of money, you can always refinance you property base on the market value and get the extra money for your usage! Simple! If you have any questions, do not hesitate to ask, I will guide!

P/S: See, I told you that I am superbly busy. Sorry for not being able to drop by your blogs peeps! Tomorrow I am going back to hometown for kenduri and wont be reachable. To all of you, have a nice weekend with hubby n family!

My New Position In The Company

Yes... My job description has changed. I am now a Personal Financial Consultant instead of Personal Financial Advisor. My duties are heavier yet interesting and fun! I am now not even advising and encouraging people to invest and diversify their fund/income, also giving solution on loans; housing loan, business premises loans, personal loans.

Of course the most challenging phase is to learn and practice so that I can memorize. My kpi and target also has been changed. I havent gone through everything yet. But I hope I will be doing fine. And I am wishing my colleagues all the best and I hope we could beat up the company's aspirational target!

p/s: missions for today has been accomplished, so I must sleep and get a proper rest. Afterall I am a wifey :D! Btw cant wait to get cd from my photographer for bertandang/sambut menantu event. Nite babes!

A Long Day! Baju, figures and market scenario!

Yes, I had a long day today. Went to Jln Tun Perak for a training session like usual. It was from 9am till 12.45pm (supposed). However it has ended later after noon coz we were measured for our uniform! CIMB is providing uniforms to the sales team. I do believe this is like a spiritually motivated by those new uniform, to make us better machines for better sales and figures coming in. Well, I could not careless as we will be given 2 pair of suits and pants and tudung.

I take it positively as I think I will save more on money spending for my office attire! That means, I can spend more for my baju jalan. Or lets make it a-financial-advisor-style; I can have more money for savings :D

After the measuring session ended, we went for lunch at Tupai-tupai. Its place is at the back of Dewan Bahasa & Pustaka or the opposite junction of road to Bellamy. The lunch was ok. Nothing special, nothing bad.

So I went back to the office and it was actually not a good start for being back. LOL. I was called to my Area Retail Manager (ARM)'s room. I was consulted for not bringing a very impressive figure. She said I was better last year. Well, I had nothing to comment. Just that from my personal opinion, customers has turned to be conservative lately due to the financial crisis that occured to the whole world. Evenmore, the market seems to be very volatile; volatile means it goes up or down drastically, unpredictable. Well, some of them are like that. But for the small figures I brought in, they are all from the non-conservative...

Well, I guess we will be going through hard times for this 2009. Almost unpredictable scenario. So please bear in mind to have stock of money in cash. The safest place to keep is of course ASB. But i heard bad rumors about ASB too, to be exact, the PNB. But it is very very p&c. I do not want to get caught for declaring this. :P So just bear in mind, have some stock of money, make sure you keep at the right place/account/bank...

As for unit trust, it is a good time to buy due to the dropped down prices, you get cheaper price and more units. But do not expect returns at the time being as the progress is quite low. Even for capital guaranteed product, it may sounds very good isn't it? But a guaranteed capital does not mean a guaranteed return at all! The figure given is normally a potential return based on the previous performance/historical value.