ThxPORTAL - My OnlinE InvestmenT ProgresS

KUALA LUMPUR: Effective Aug 1, funds that have higher consistent returns for at least three years and those with a foreign portfolio component of up to 30% would be made available for sale to Employees Provident Fund (EPF) members.

This meant that funds with less than three years track record and newly launched ones would not be sold to EPF members.

Federation of Investment Managers Malaysia (FIMM) president Tunku Ya’acob Tunku Abdullah said the move would further instill trust and confidence in unit trust investment and enhance investment options.

To achieve the above objective, FIMM would introduce a performance focus methodology to measure funds under the EPF Members Investment Scheme annually.

"Funds that consistently have higher performance relative to its peers in the same category will be made available for sale to EPF members. Those that generate returns but not as high as their peers and do not meet a certain criteria, will be suspended for sale.

"These funds can be re-instated when they eventually meet the criteria. The evaluation methodology for sale of funds as well as those with foreign exposure are expected to be implemented in August," he said at a press briefing.

source HERE

KUALA LUMPUR: The Employees Provident Fund (EPF) expects its investments to reach RM500bil by end-2013, said deputy chief executive officer (investment) Shahril Ridza Ridzuan.

He said the fund's investments stood at RM385bil in the first quarter of this year compared with just RM9bil in 1980. The EPF has over RM370bil in funds.

“We are chalking up about 8% compounded annual average growth now and by this, we expect our investments will be RM500bil by the end of 2013,” he said yesterday at a media briefing and media launch of EPF corporate governance principles and voting guidelines.

“There are two things that support the 8% annual growth. One is that when we pay dividends, we don't pay in cash but credit the amount into investors' accounts and reinvest,” he said.

The other, he said, was that the country continued to grow in terms of population and this brought in a net inflow of workers.

“The total gross net income contribution exceeded the net outflow as a result of people retiring,” Shahril said.

He also said the EPF was guided by the Risk Appetite Statements, where it would not tolerate a greater than 10% chance of dividends falling below 2.5% in any year over the next 10 years.

“We too will not tolerate a greater than one third chance of the annualised dividends falling below inflation +2% over any rolling three-year period,” he said.

On the booklet launched yesterday, Shahril said it was part of the group's efforts to promote and educate companies on corporate governance. “Investors and regulators can expect to see better corporate governance from investee companies with the introduction of this booklet,” he said.

Shahril said the EPF believed that good corporate governance was not only about commitment to values and ethical business conduct but also about how an organisation was being managed. The booklet, which will serve as a guide to EPF and investee companies, was aimed at being more stringent on corporate governance issues that emphasise accountability, integrity and transparency of the boards of directors and disclosures made by listed companies.

Among the booklet's focus areas were size and composition of the boards, separation of power between the chairman and the chief executive officer, re-election of directors, board committee, authority of allot and share issues pursuant to Section 132D of the Companies Act 1965, employees share option schemes, related-party transactions and dividend policies.

source HERE

Saya terpanggil untuk membuat artikel ini setelah mendapat idea daripada artikel Tom Dyson : How to build extraordinary wealth in the coming market chaos. Beliau mencadangkan strategi yang menarik yang mungkin kita dapat ambil iktibar. Strategi tersebut ialah

Dyson: Well, I still recommend keeping a large portion of your investment funds – say 70% or so – in the very safest things, like cash and the cash-like investments I mentioned earlier. Then I'd put about 25% into a basket of the safe dividend stocks that I've been recommending that pay an average of 9% or so. That leaves about 5% for speculating – short positions, small aggressive trades, and those kinds of things. Finally, I recommend a portion of your income from your dividend portfolio or your job go into blue chips. This can be as much or as little as you feel comfortable with… the most important thing is just to start building a position. And using this dividend strategy is the easiest and most inexpensive way I know to do it.

Disini, cadangan di atas dapat kita sesuaikan dengan suasana pelaburan negara kita, contohnya

70% - ASB (pulangan lebih 7%)
25% - Unit Amanah Public Mutual@CIMB (pulangan 9% - 20%)
5% - Saham BSKL (pulangan 10%-100%)

Bagaimana pula dengan simpanan KWSP?

Kita boleh gunakan strategi yang sama iaitu memperuntukkan jumlah pelaburan yang lebih tinggi ke atas pelaburan berisiko rendah. Contohnya, jika jumlah yang dibenarkan untuk kita membuat pelaburan dari simpanan KWSP ialah RM10,000 maka pecahan pelaburan adalah seperti berikut;

70% - ASW2020@ASD = RM7000
30% - Unit Amanah Public Mutual@CIMB = RM3000

Strategi ini mampu mengurangkan risiko kerugian dari segi jangka panjang terhadap wang simpanan KWSP yang dilaburkan apabila ekonomi negara dalam keadaan tidak menentu berbanding dengan memperuntukkan kesemuanya pada satu-satu unit amanah saja. Anda boleh semak kelayakan anda untuk mengeluarkan wang KWSP di http://www.kwsp.gov.my serta http://www.asnb.com.my






ASW2020


ASD