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Utusan Malaysia: ARKIB : 04/02/2010 Oleh ZULKIFLI JALIL pengarang@utusan.com.my Jamil Khir Baharom (kiri) ketika mengumumkan bonus Tabung Haji sebanyak lima peratus di Putrajaya, semalam. PUTRAJAYA 3 Feb. - Tabung Haji hari ini mengumumkan bonus pendeposit lima peratus untuk tahun kewangan 2009. Menteri di Jabatan Perdana Menteri, Senator Datuk Jamil Khir Baharom berkata, kadar itu merupakan tambahan 2.75 peratus bagi separuh tahun kedua 2009 kepada bonus interim dengan jumlah anggaran keseluruhan bayaran sebanyak RM1.1 bilion. Pemberian bonus interim bagi separuh tahun pertama pada kadar 2.25 peratus (RM465 juta) dibuat Oktober tahun lalu. "Baki bonus 2.75 peratus (RM595 juta) ini akan dimasukkan ke akaun 5.1 juta pendeposit pada 8 Februari ini. "Sekiranya diteliti kadar bonus ini, jelas ia lebih kompetitif malah jauh lebih baik berbanding kadar simpanan tetap dan tabungan komersial. "Ini kerana Tabung Haji berjaya mengeka...

Assalamualaikum w.b.t, Antara kaunter saham yang mendapat perhatian akhir-akhir ini adalah Kumpulan Fima Berhad. Fima Corporation (FimaCorp) anak syarikat KFIMA juga melapurkan prestasi tahunan kewangan yang sangat baik sekali. Pendapatan sesaham (EPS) untuk suku ketiga 2009 dilaporkan hari ini adalah 17.65sen . Jika diandaikan, pendapatan harga (PE) pada 10x, maka harga patut sesaham dalam suku ketiga KFIMA adalah RM1.765. Harga sesaham yang diniagakan sekarang adalah pada harga RM0.86. Dalam jadual di bawah ditunjukkan laporan kewangan KFIMA untuk tempoh 5 tahun yang lalu. Apakah harga sesaham KFIMA boleh melepasi paras RM1.00? Berdasarkan pendapatan sesaham (EPS), unjuran  tertinggi harga KFIMA adalah RM0.94 sen dalam tempoh 5 tahun yang lalu. ------------------------ Nota: Maklumat ini sekadar makluman semata-mata dan bukan sebagai suatu galakkan untuk melabur dikaunter ini. Risiko pelaburan adalah tanggungan sendiri pelabur.

Assalamualaikum w.b.t., Now You See , Now You Don't. --- Thestar: Thursday February 25, 2010 By EUGENE MAHALINGAM eugenicz@thestar.com.my PETALING JAYA: The Government’s proposed fuel subsidy scheme based on the engine capacity of vehicles has apparently been shelved. Sources indicate that the plan, which was originally set to be implemented on May 1, will not proceed even though a lot of the preparatory work has entered the final stage. “We were so close to getting this off the ground,’’ said a source. The Government had planned to introduce a tiered pricing system for petrol, depending on engine capacity, while foreigners would have to pay the market price. According to reports, the plan called for the mandatory use of MyKad to differentiate Malaysians from foreigners, requiring the need for MyKad readers at petrol stations. Subsidised petrol would be capped to a certain amount of litres a month per user for owners of vehicles with engine capacities of below a certain thres...

Assalamualaikum w.b.t., Senarai di bawah adalah saham-saham yang boleh diberi perhatian untuk dinilai. Namun ingatlah, jika melabur ianya adalah risiko anda sendiri. Kedua, bagi muslim sila pastikan kautner yang berkaitan adalah patuh syariah. Ketiga, kenal pasti risiko dan kenalpasti nilai semasa saham berkaitan dan potensi yang masih terbuka. Melaburlah dengan bijaksana. Risiko adalah tinggi. Ingatlah rezeki datangnya dari Allah s.w.t. Mintalah dari NYA. Kebiasaanya pelaburan adalah dalam tempoh sederhana dan panjang. Ada juga tempoh singkat namun risikonya tersangatlah tingginya. Jika dikurniakan Allah s.w.t. dengan rezeki, jangan lupa keluarkan zakat dan bersadakahlah. Semoga keberkatan rezeki sentiasa bersama kita, insyaallah, Source:  http://wealth-trade.blogspot.com/2010/02/sailing-through-turbulence-time-with.html High Dividend Stock REIT Potential Stock

 Assalamualaikum w.b.t, Dalam artikel  di bawah terdapat percanggahan tentang pelepasan bil "broadband". Bil "broadband" hanya terpakai bermula tahun taksiran 2010. Senarai ringkas pelepasan cukai pendapatan individu taksiran  2009 adalah seperti di bawah: Bil. Jenis Potongan Individu Amaun (RM) 1 Individu dan saudara tanggungan 8,000 2 Perbelanjaan Perubatan Ibu Bapa 5,000 (Terhad) ...

Assalamualaikum w.b.t., Khabar angin bertiup kencang berhubung kenaikan petrol akan berlaku dalam tempoh terdekat dan dikatakan kenaikan juga agak tinggi. Apakah benar berita ini? Berapakah bakal harga baru petrol akan datang? RM2.00 atau RM2.50 atau RM3.00 atau RM3.70???? Bagaimana pula subsidi petrol akan diberikan? (berita lanjut di bawah). Sudah pasti kenaikan ini tidak dapat dielakkan seperti mana dinyatakan oleh DS Najib berkaitan pemansuhan subsidi tenaga bakal berlaku (berita: klik sini) . Bagaimanakah persediaan kita dalam ekonomi yang tidak menentu ini? Apa pun perancangan perbelanjaan peribadi atau diri perlu dinilai semula, jika tidak defisit belanjawan akan menjadi lebih parah bagi mereka-mereka yang berpendapatan sederhana ke bawah. ------ MSTAR: Isnin Januari 18, 2010 PUTRAJAYA Mekanisme berhubung pemberian subsidi petrol kepada golongan sasar yang benar-benar layak menerimanya dijangka diumumkan sebelum 1 Mei ini, kata Menteri Perdagangan Dalam Negeri, Koper...

by Micheal Jones There are few general rules to remember and follow if you are starting to invest your money in the stock market. The first and most important thing to remember is that you will be contending with the ups and downs. You should not freak out when your stock takes a down0-turn and then immediately react by pulling out your money; that is actually the quickest and most effect way of losing you money. People watch their stocks go down a bit, get scared and decide they need to abandon ship before they sink any farther. When that happens, they usually notice it going back up and then immediately regret the decision. It won?t always be the case, but it?s a very good thing to remember as it very typically happens that way. If a stock goes down, then it will eventually come back up. The cases where this will not work is in the case of a company scandal where the company CEO?s are involved in embezzlement; this is the only reason you should sell right away after a downw...

Saturday February 13, 2010 By IZWAN IDRIS izwan@thestar.com.my THE year of the Ox, which ends on Feb 13, has turned out to be a robust period for the global stock market. But after ten months of almost straight gains fuelled by the abundance of cheap money, the Year of the Tiger, according to consensus, is likely to be a more challenging time for bullish investors. According to RHB Research Institute, the recent market pull back suggests investors’ have turned cautious, while at the same time sustained market volume indicates higher churn rate as investors’ investment horizon gets shorter. The research house advocates investing in healthy companies with sound fundamentals to ride through the volatility. CLSA Asia Pacific Markets sees the year being fought out in a tug-of-war between liquidity and fundamental factors. This, it said, will result in choppier market conditions. To ensure outperformance, CLSA Malaysia head of research Clare Chin says investors sho...

Assalamualaikum w.b.t, Untuk pembacaan dan renungan. ----- TheStar: Wednesday February 10, 2010   Personal Investing - By Ooi Kok Hwa WE have been asked by many readers on ways to improve their investment skills. In fact, for all of us who invest, it is one of the essential skills that we need to acquire in our lifetime. Like it or not, we need to have it if we need to generate returns for our investment. All investors want good returns from their investments. However, most of the times, instead of generating returns, retail investors are suffering from losses from their investments. We feel that one of the key differences between an intelligent investor versus a normal investor is that the intelligent investor will be aware that he may make mistakes in some of his investment decisions while a normal investor tend to overlook the fact that he will make wrong decisions no matter how good he thinks he is. Despite extensive research on certain listed companies, due to some unforesee...

by Investopedia Staff, (Investopedia.com) (Contact Author Biography) While it may be true that in the stock market there is no rule without an exception, there are some principles that are tough to dispute. Let's review 10 general principles to help investors get a better grasp of how to approach the market from a long-term view. Every point embodies some fundamental concept every investor should know. 1. Sell the losers and let the winners ride! Time and time again, investors take profits by selling their appreciated investments, but they hold onto stocks that have declined in the hope of a rebound. If an investor doesn't know when it's time to let go of hopeless stocks, he or she can, in the worst-case scenario, see the stock sink to the point where it is almost worthless. Of course, the idea of holding onto high-quality investments while selling the poor ones is great in theory, but hard to put into practice. The following information might help: * Riding a Winne...

  Assalamualaikum w.b.t., Dalam pos sebelum ini telah ditunjukkan contoh "trend" Unit Amanah yang terikat dengan prestasi FBMEMAS/KLCI. Bagaimana pula jika Unit Amanah berkenaan bertindak berlawanan dengan "trend" FBMEMAS/KLCI atau langsung tidak mengikut "trend" meningkat atau mendatar sahaja? Apakah yang berlaku? FUND Manager tidak melaksanakan kerja/tidur? FUND Manager tidak berpengalaman? FUND Manager tidak mampu mengawal prestasi dana? Atau FUND Manager itu dan ini semua negatif belaka? Jika sesuatu Unit Amanah mengikut "trend" prestasi indeks sandaran mereka maka boleh dikatakan ianya telah dikawal dan diawasi dengan baik oleh FUND Manager yang berkaitan. Perkembangan pasaran atau ekonomi sangat bergantung kepada situasi semasa ekonomi dunia atau setempat tidak kira dari permasalahan ekonomi itu sendiri, politik, penyakit, rasuah pemerintah, bencana alam dan sebagainya. Antara alat yang digunakan untuk mengawasi perkembangan ekonomi nega...