Interest We Made

sorry, as i promised last time to write an entry about how investing a little amount now benefits you more than investing bigger amount later. seems that i have to postpone it to write about another interesting story about the dividend we're making in unitrust.

this issue has been brought up by our concern reader. thank you for bringing up such a thoughtful opinion.

first of all, i will try my best to explain this, as this would be very technical and i, myself is not a finance student before and i always have problems with actuary. honestly. perhaps can be boring but i will try to make it interesting. just keep reading ;)

so, what is Simple Interest and Compound Interest?
how does it differ from one another and how to use them?
why most unitrust company is using Simple Interest?
which one is misleading, Simple or Compound?
what kind of effect of Compound Interest got to do on the long run?
ok, stop it cos like i said, am not very good in it but i will do my best to explain as per requested.

in unitrust, we always use Simple Interest, because unitrust fluctuates.
the interest is differ from a year to another. say now is 2007, the interest per annum is 27%.
in 2008, the interest might drop to 5%, then in 2009 it raises to 36%. and so on.

while Compound Interest, the interest is not rigid, but perhaps it stays close from year to year.
perhaps 7 or 8%. like not much different. like what you see in ASB, savings account, or FD.
but then again, we can also convert unitrust's interest to Compound and still we get the same answer.

another reason is, Simple Interest is meant for a unit that is sell at different price.
in unitrust, we advice our clients to buy at lower price and sell at higher price. that price might increase or decrease. so all in all, we accumulate it and divide the interest we gained by the years we have invested.

on the other hand, Compound Interest is use for a type of investment that is sell at fixed price.
like ASB, whether the market price is high or low, we have to buy it at RM1. no exemption.

to help you understand better, let's do a simple calculation. i will give a scenario.
'How can Mr Client makes profit after 9 years although he sells at the same price (as 9 years ago)?'
Mr Client has invested RM1mil in 2000, at the price at RM1 per unit.
9 years later, he sold all the units at RM1 also, but he made a capital gain of RM2.735mil.
how does this happen? is it a miracle? how much did he actually make while he slept?

Simple Interest
(remember, it means averaging).

RM2.735mil (gain) - RM1mil (invested amount) = RM1.735mil
RM1.735mil x 100% (to get percentage) = 173.5% in 9 years.
which means;
173.5% divide 9 years = 19.27% p.a

without he knowing it, his money has worked out 19.27% every year. even after 9 years, his units are still as slim as RM1 because actually within 9 years, that money had fluctuated. and this explain why unitrust uses Simple Interest.

Compound Interest
(we can refer it like piling up).

i dont have a scientific calculator now and actually it is a bit hard to explain. may be for me, cos like i said, actuary kills me. but i can give you the formula. it looks something like this.

value = (1 + i) to the power of n (years invested) x total invested.
2.735mil = (1+ i) to the power or 9 x 1mil.

ok i reaaaaaally dont know how to settle this calculation but we can get the value of i that is about 12%.
i here means interest per annum. and we can calculate it like this because it is fixed at 12% every year. unlike 19.27% just now, it is the average. see the different?

perhaps another simple way to explain for beginners:

Compound Interest is where you put your 'Starting Principal' in 'Numbers Of Years' at 'A Given Interest'.

i got the formula from my upline. perhaps i can ask him again to break down the calculation. i dont mind if you insist cos i get to learn new things too!

to conclude, an answer for the question from the avid reader, here it goes.

Compound Interest can and cannot be applied to unitrust. it depends on how you apply the magic of it, and be mentally prepared as you cannot withdraw any cent of the interest you gained. i received many feedbacks from investors with an impulse buy who want to sell their units when the price goes higher. they want to use some money for this and for that. this way, you can never see the effect of Compound Interest. in fact, not only unitrust, it applies to any type of investment!

Compound effect really shows its magic towards the end of the years. say after 20 years. in unitrust, we understand most people cant wait that long, that explains thousands of us lost millions in Swiss Cash etc. so we say, let's invest for medium to long term, depends on your needs. to sleep in 3-5 years is not a long period. which make me understand the reason of using Simple Interest rathen than Compound Interest. but if you can wait that long, what to question of the effects?

which also lead me to calculate (get calculator here) my own investment (with no addition value). just to share, not to brag.

well just assume I have invested RM10,000 last month in one fund, what will i get in 20 years time?“. In this case,

When interest p.a = 10%, Future Value = RM67,275

When interest p.a = 15%, Future Value = RM163,665

When interest p.a = 25%, Future Value= RM867,362

and when i add up 20 years to my age now, yes! i would want to retire comfortably with nearly a million in my pockets which i owned for doing nothing! remember my debt with PTPTN is RM96k and need to settle in 25 years? i should write them a letter now and say i will pay lumpsum in 2027. perhaps to witness myself on the compound effect, i will consume the interest i gained in another fund i invested. which i doubted.

so, i hope this would answer your anxiety, dear reader. and yeah, i also hope that the others can get extra information on building an investment portfolio.

till next time, muahs...

The Flexibility - The Liquidity

how are you doing in Fat Purse blog? thanks for visiting. 2008 is just around the corner and i'm wishing everyone a prosperous new year!

anyway, on this entry i would like to highlight a few things about unitrust, things that i always received. am not doing a Q&A cos honestly, i dont know what you dont know. any questions, please ask as i would do my best to answer it.

as contrary to popular belief, unitrust is not for people who has money. way lots of money. in fact, it is very flexible. we can invest from as low as RM1k. and you can choose to top up whenever you have money, at any amount, at any time.

some young people, they dont even have 1k in their account. this is very bad, perhaps they just started working, but in fact many of them still cant even save 50 bucks. is it a trend? cos it's scary. sit back, i will show you later on comparisons, why start with a little money now, is better than start with more money later.

if RM1k is still huge enough for you, then opt for our monthly regular savings. from as low as rm50, it is definitely better to choose to invest in our fund, rather than keep 50 bucks in savings account. it's how much money you can make that's matter.

another popular question is, how long must i put my money in unitrust before i can withdraw? the answer is, there is no maturity date. you can withdraw, or sell your unit as you pleased. but since we want to help you to gain more capital, it is best that you put some money in unitrust and then sleep for the next 3-5 years. when you wake up, you will be surprised to see how your money have worked out for you since you are away!

beautiful, isnt it?

trust me, 3-5 years is not too long. times are moving faster than we actually realized that we are already left behind. think about price increment, inflation etc. i believe that most of you are agree with me that the cost of living grows higher and higher each year. if you are renting now, it is possible that your landlord might increase the rental upon the next agreement.

perhaps i can express my opinions here.
be careful about investing. only choose the right one for you. real life, am working with a property company and yes, property investment is also a good choice. i cant be too judgemental but allow me to highlight a few things.

first of all, property is not liquid. u cant buy at one place, then next year you want to move to another place cos your current situation is not as promising as it should be. unlike unitrust, you can change fund anytime you want.

second, is for those who want to rent out. how much can you get from your rental? after a few tenants, how best do they take care of your property. or perhaps you have to repaint your house to get a new tenant. in other situation, you might want to make it furnished to get higher rental but then you have to fork out extra money before you taste the fruits (which will be depreciated after some times, like something rosak etc). another thing, is whether your land is appreciating or not? how can you control majlis perbandaran? plus, how about the sinking fund? management fee? loan interest? moving cost?

yes you will get a house after all, but after 30 years only the loan is langsai? can you imagine how your house is gonna look like. if it's at least a terrace, sounds a bit ok (sbb u dpt tanah) but if it's an apartment? you are sharing about 900 square feets with a group of people and you are on the 9th floor? how does it sound to you now? not really on a cloud nine..

when you are in need of RM500, can you ask for an advance from your tenant? let me repeat that you can withdraw your money anytime from unitrust. it's as liquid as that.

it's just my 2cents after all. i believe unless you have lots of money, you can buy lots of houses and you are a real property investor. in this field, when you know the rule, you can make lots of money. other than that, most of us buy a house as a shelter. that's all.

pick a category and picture yourself in it. am not too well verse as some might have claimed. it's just a little knowledge in this dog-eat-dog world ;)

dont forget to drop by again cos the next entry is about 'Now or Later' comparison. 'sedikit-sedikit lama-lama jadi bukit'. it's gonna be very interesting. till then, HAPPY NEW YEAR!

muahs...

What Are You Doing in 2008...

.... to increase your income?

2008 is our SUPERNOVA Amazing Year!

come to our BOP Sesssion and learn how u can start changing your life. forget 2007 and thinking how u just screwed another year, but look forward now. if you want to change one thing about you, please say 'I want to be teachable!' cos by being teachable rather than sceptical, you can learn while you earn and that's how millionaires get millions whilst the average people keep struggling 9-6.

'kais sebulan, makan sebulan'. forget that!

ask yourself now: which shoes are you gonna wear?

Congratulation, Mr Mahadi BZ!

this is a late felicitation to my dearest upline, Mr Mahadi BZ who became the 8th Group Agency Manager (GAM) produced by Platinum Wealth Advisors!

he's actually a year younger than me, wow that's impressive. and let's believe, our time will come!

please do NOT miss more exciting news at New Year Kickoff Party this 5th Jan 08, 10 a.m. it's compulsory if u want to know the secrets on How To Be A GAM!

Berita Baik drp KWSP!

Utusan Malaysia - Ekonomi - 13 Dec 07

KWSP TURUN CAJ PERKHIDMATAN PELABURAN

KUALA LUMPUR 12 Dis. – Pencarum Kumpulan Wang Simpanan Pekerja (KWSP) akan menikmati penurunan 50 peratus caj perkhidmatan untuk pelaburan dalam unit amanah mulai 1 Jan depan.
KWSP dalam satu kenyataan hari ini berkata, bayaran perkhidmatan itu ditetapkan pada tiga peratus.

Ketua Pegawai Eksekutif KWSP Datuk Azlan Zainol berkata, pencarum KWSP kini membayar caj perkhidmatan kira-kira lima atau enam peratus.
‘‘Pencarum boleh mendapat pulangan yang lebih baik ke atas pelaburan mereka dalam unit-unit amanah berdasarkan caj perkhidmatan yang diturunkan itu,’’ katanya.

Caj perkhidmatan oleh dana pelaburan tempatan di Malaysia pada masa ini pada relatifnya lebih tinggi berbanding negara lain seperti Singapura, United Kingdom, Jepun dan Amerika Syarikat.

also, KWSP is planning to give out more room for investors to invest in unitrust. meaning, if for now they are only allowed to invest only 20% on the remaining balance (RM50,000 as fixed balance in Acc 1); now the amount is much more than that. i will update once we get the black n white.

Tax & Net Profit

in this post, lets do some quick calculation to see our net return after tax deduction.

Fix Deposit (FD)
Assume that we invest RM100,000, with 3.5% profit. so, we will get RM3,500 cash on our investment. which is, pretty good. which strangers would want to give you thousands for free?

but, we often do not realize that THAT profit is not net. we still haven't deduct 25% tax which is around RM875. so actually, we will only get RM2,625. which the bottom line is, still good cos which idiots would want to give u thousands too?

Unit Trust (UT)
Assume that we invest RM100,000 with 10% profit. do we smell RM10,000 in there? do we KNOW that it is net? now tell me which bull doesn't want that?

FYI, the average return percentage for FD is around 3.5% - 5.5% p.a (before tax), whereas for UT is around 10% - 15% p.a (after tax). let me stress on that, while FD has hidden tax, the tax for UT is deducted earlier and there, your return is still higher than FD, right?

and while some of you are screaming that ASB is even faster and higher, well, i just don't know what to say. i would say stock are the fastest and highest. but what i can say is that, i advise you to DIVERSIFY.

always bear in mind that, UT, FD and even ASB, is meant for medium-long term investment (tak cepat mana pun tetapi berdasarkan kebijaksanaan kita memilih yang mana lebih menguntungkan). if you want it quick, by all mean seek for other resources but say 'No' to swiss-cash thingy ok ;)

till next time, muah...

Selling Like Hot Cakes!

updated! (err, actually this one was days ago..)

they have approved our Greater China fund another RM500,000,000.00 units!
well i purposely put zeroes there, rather than just write RM500mil. who cares?

cos people just wanna buy and buy and we have to increase our fund and seriously it doesnt wait for procrastinators.

so, this fund is now accumulated to RM1.5bil!
do i need to put more zeroes there again? hihi.

Why Are You Not Becoming One?

one of my friends asked me 'ape dia targetting Egypt nie?'

previously i forwarded her a SMS which i received from my upline. saje kasi bakar sket, mueheheh... actually, everyday i will receive a few SMSs from my upline, updating everyone on who closed how much, remember about the grrrrreat offer, any news update from CIMB etc.

Egypt, is the next destination for them to have a vacation fully sponsored by CIMB. to qualify, just submit 1.8mil cash deal from investors and you are on a plane with everyone! am telling you, that amount sounds HUGE but it seems so easy. dont you feel as eager as i do?

you will be sponsored return tickets, fine dining every single day (different type daily!), shopping money + bonus money you can use all on shoppings! then, first class hotel, fully paid tickets to any amusement park or historical places (whichever stated on the agenda) and lotsa fun!

one best thing about CIMB is, it will have like a few different places throughout the year (previously Venice, China - to name a few - next is Bali, Bangkok and more) and for every offer, if you are qualified, you can go to each of them. unlike some banks, they restricted their consultants & supervisors to choose only one from the choices. you can check this one out yourself.

and best of all, CIMB is currently the highest paid commission of them all! woho yeah? and it's so easy to earn more money and benefits. roughly, i can show the figures.

RM0.00 - RM499,000.00 -- Unit Trust Consultant (3% commission)
RM500,000 - RM***** -- Agency Supervisor (3.75% + 0.75% overriding)

and there!
just RM500k to increase your level. aim to be the next Agency Manager therefore General Agency Manager and thus, the commission is higher.

at Platinum Wealth Advisors Agency (PWA), we have ways to guide you to close deal. join our Dare2Transform program and we will help you to do 'Corporate Redah'. steal the secrets from our millionaire tycoons and just follow the successful patterns.

have i ever mentioned that Platinum Wealth Advisors Agency is the only, and only agency granted to word 'WEALTH ADVISORS' by CIMB? the millionaire sisters are really great and lets join us under one roof!

FMUTM

let's take a look at our official website:

Federation of Malaysia Unit Trust Managers.

here, you can get more info about unitrust. go and read topics like:

Understanding Unit Trusts.
all-you-need-to-know about unitrust. it covers topics like what unitrust is all about, the history, the benefit, the type of unitrust, understanding the risks, fees, and charges and most importantly to understand the importance of performance ;)

Investors Education.
there are a lot of interesting topics for you to discover. let's equipped ourselves with the knowledge about investing. this will help us alot to close deal by touching about our client's investment portfolio.

- Unit Trust & Me
Unit trusts have grown in popularity in recent years. It's not hard to figure out why.

- The Eight Biggest Mistakes Investors Make
Common mistakes can add up and ultimately diminish the value of your portfolio.

- Tax Benefit From Unit Trust Investment
Apart from investment return, investors would also like to ensure that the tax treatment of their investments would not be disadvantageous.

and many more..
interesting, isnt it?

till next time, muahs...

More Reasons to Choose Us

ok, shall i continue?

first of all, i didnt even know why i chose CIMB, where in fact i was 'this' close to be part of Public Mutual which i had aimed for like, 4 years ago. i was approached by their agents few times, i saw their billboard everywhere, and i never heard of CIMB Wealth Advisor. perfect combo, right?

but i guessed i fell in love with The Millionaire Sisters' branding. it really is a strong branding. and CIMB? well, it's my fav bank for saving account. (am also thinking of getting their credit card next week).

in my previous entry, i mentioned about how can i redirect people from attacking me with a killer question. please bear in my mind, that am not siding whichever, but it's just a logical thinking that we generate based on facts.

it is really a basic comparison. Public Mutual (after this will be referred as PMB) is a good company. it has more than 30 years experience in unitrust. it always claim that they are leading in this, no. 1 in that etc etc. afterall, years by years, PMB also wins awards by awards. it's fascinating, isnt it?

despite the big number 1 printed on the newspapers and billboards, do we ever notice the asterisk next to it? do we all know what does it mean? allow me to explain this based on the advertisement yesterday.

Utusan Malaysia, 28 Nov 07, Ekonomi, mukasurat 21.

Syarikat unit amanah No.1* di Malaysia Berbangga Menjadi Pengurus Dana Islam Yang Paling Terkemuka.
*Dari segi saiz dana yang diuruskan di antara syarikat-syarikat unit amanah swasta.
Sumber: The Edge-Lipper, 22 October 2007.

and it also has a table showing the progress of their funds movement since 1997. there are 9 of them altogether. and FYI, PMB is very proud of Public Dana Ittikal, as well as Dana Al-Ihsan 2 (DALI2) for CIMB.

i studied the table for quite some times because i wanted to compare the performance. as i posted in previous entry, DALI2 was announcing its 62% return from Nov 06-Nov 07. and i only want to compare the return for both during the same period. these were what i got:

1) 14.2.2006 - Public Dana Islamic Dividend - 44.69%.
2) 22.8.2006 - Public Dana Asia Ittikal - 39.56%.

i started to questioned myself, and my upline. how could they ever be the number 1 then?
well, for some of you who doesnt realize, the asterisk symbol means, and only means, their size of investors. and you may start comlaining now, isnt it show that people trust PMB so much, and it is very good thus really popular? well, think again.

for a company which has been running in this industry for 30 years over, how could they not have a very big number of investors? CIMB (plus SBB) has only aged about 15 years old. in this case, we are no. 2 for the time being in terms of the fund size. but have you ever notice that CIMB is growing really fast, even faster now and currently making the most return? we dont need to waste the next 15 years to be at par with the oldtimer PMB, right? in fact, we are already ahead of them.

that's the power of advertising. making us confuse and hide the flaws and i who studied that get fooled sometimes too.

as a brilliant and succesful investor, do you look at the performance, or do you even bother about their colors... say, red vs blue.. or their nice jingle.. or what?

of course there are pro and cons among other funds from other companies (lets not be too judgmental, one sided and conservative). you can get it here at http://www.invest.com.my/personal/funds/compare/table.

so i always tell these people, isnt it good? am i presenting it good? wait for the nods, and you can go 'then why are you not taking actions now?'

muahs..

It's Getting Hotter!

first of all, Congrats to Ms Hani for joining The Millionaire Sisters Agency @ Platinum Wealth Advisor. clap clap!

i've been very busy lately. anyway, today's SOE training was pretty fun. i was very, very jealous with team mates who managed to get on a flight to Egypt! most of them are aiming for two tickets each. to qualify, just submit 1.8mil cash and you are entitled for one tix!

Ms. Akma qualified for 7 tickets and Ms. Elynn qualified for 8 tickets. well, just to name a few.

nothing to elaborate much on the training. you have to attend it to feel the vibration. but i have something to say here which rather good to share with. and i want to clarify here, first and foremost that this is just something useful, nothing like favourism whatsoever. anyway, u are always free to choose.

i went to the office this morning, and like usual i read newspapers. as i always had this in mind for so long but always forgot to ask, today i saw a big advertisement of the good old rival Public Mutual. well i would like to bring up this issue cause i've encountered a lot of questions, like 'Why CIMB, why not the ever so good Public Mutual?'

and today i got the answer :)

to be continued... muahs

Fantastic News!

last night when i was enjoying dinner with my gals, i received this SMS from my upliner.
it said:

'Dali 2 will declare Dividen RM0.10/unit on 29 Nov 2007! Submit before 3 p.m on 29/11 and your client will get 5.61% dividen ON THE SPOT! Go for 1 million!'

For your information, Dali 2 is our top Islamic fund, which is very much liked by non-muslims too due to its proven performance and goodness. The fund is declaring dividen of 10 cent per unit on 29 Nov 07, which is equivalent to 5.61%.

The performance for this fund is 62% return (Nov 06 - Nov 07) and 102% return (Nov 04 - Nov 07).

So, how can I share this with you and your investment portfolio?

ASB Holder/Investor

please be informed that if u like to increase your saving please do so before 1 Dec 2007.

transactions will be closed for year-end dividen/bonus calculation. all the best.

muah!

The Useful Advice

Your Horoscope for NOVEMBER 12, 2007.
If you still haven't tapped into your full potential, or found what you think is your true path in life, take heart, Dear. Some people have things figured out early in life. Others think they do, only to discover it wasn't their calling after all. You may be a late bloomer in this regard, and this has its advantages. The older you are, the better you know yourself. The experience you've gained has helped tailor your abilities. Trust that you'll know what is right for you when it comes.

Horoscope is not to believe 100%. But i do think somehow it gives me inspiration towards life, don't u agree? Sometimes every words that come to me are really true, and guide me in everything i do. of course, with a brain. and there, it becomes the best advice.

just like a wheather man.

i like the words 'a late bloomer'. which practically means to me that i'm not too late to act now. if, and only if is no longer useful. a spilled milk isn't worth crying for. and therefore, i am not stepping back and noone can hold me.

with 'Bismillah' to utter, i hope to find 'Alhamdulillah' sooner or later. god willing.
till next time, muah!

Ice Breaker

i remembered, 2 years ago i had a very complicated financial crisis. i graduated from a private university with a gunny of debts on my back. i paid rm64k for my 4-year course in advertising, and i find out later i was charged rm96k including 3-4% interest by PTPTN.

i survived the heart attack.

from rm150 for the monthly payment, half went to pay the interest. so i couldn't imagine about all this process of the never ending payment. could you? the contract said i have 25 years to settle it down, and i already wasted 2 years.

i only paid rm50 last time, but the money has lost in cyberspace because of their stupid online payment. now i'm facing letter by letter from the solicitor. i can be sued. all my privileges could be taken away from me.

i wanted to pay, but how could i pay when i earned lesser than i should. i did various of work to survive my living. i hopped from one job to another. i really had tasted the bitter side of life since i lived apart from my family. i tried to prove, not to anyone but myself, that i could stand on my own feet.

it's nothing wrong for me not to work in advertising or design field. i preferred to do sales and i was pretty choosy over what i sell. after several attempts, i landed in property industry. an industry that i had been eyeing for so long (i actually picked property as my final year project assignment), but i just had not enough guts to play with fire.

anyway, i am glad now that i made the right decision! i get to enjoy the commission (5 figures commission in total) which i claim little by little to cut down the tax. hehe. but u see, why do i do that? cos it's simply not enough. i am not one little greedy creatures but i guess the hard-to-satisfied esteem in me are actually a good virtue. and it's not everyday that i get to sell these bloody units. plus, it can be tough too.

i hate the meetings. i dont like tan sri who owns this company. i fear the word 'TARGET' most. like i'm most likely to be shoot by a shooter. i hate monday cos we have meetings every monday. i also hate friday cos sometimes we also have meetings on friday. other days tan sri or GM or whoever will also drop by so basically i hate everyday of my life.

including saturday & sunday cos i also have to work odd hours and odd days.

n the story will continue... muah!

Meet the Millionaire Sisters

they are my mentors. introducing!

The Star: Sunday November 26, 2006
By LOONG MENG YEE

KUALA LUMPUR: The Hanif sisters work smart and pray hard – a winning formula that has enabled the girls to make their first million while still in their 20s.

Nor Akmar, 29, and Aida Nurlin, 25, from Ipoh, attribute their success to faith in God, perseverance and the “law of attraction.”
“The money is out there. We just need to find the correct way to reach it.
“Fortunately for Aida and me, we found the way in the unit trust business,” said Nor Akmar, a wealth advisor for the CIMB group.


EARLY SUCCESS: Aida (left) and Nor Akmar posing with their Nissan Fairlady and BMW 5 Series in front of Aida’s apartment in Sri Hartamas recently.

As one of the top 10 group agency managers, Nor Akmar and her team bring in total annual sales of between RM50mil and RM100mil.
When she graduated with a first class honours in Information System Engineering from the University of Manchester Institute of Science and Technology in 1999, a nine-to-five job was furthest thing from her mind.
“I wanted a career where I could be the boss of my own time and determine how much I wanted to make, to be independent, with no shackles.
“Business seemed the way out and a friend introduced me to the world of unit trusts,” said Nor Akmar, the third daughter of former Perak education deputy director Hanif Amran.

Like all concerned parents, they were not thrilled when told that their engineering graduate child wanted to be a saleswoman with no promise of a secure income.
Nothing could sway the determined girl. Nor Akmar said a prayer and plunged into the sales job without asking for any financial assistance from her parents or the Government.
In the early days, she “smiled” her way through rejections and took every “no” as a step nearer to a “yes.”

Her perseverance paid off. Soon, word got around about this young, articulate and pretty lass who was actually helping her clients make decent returns on their investments. Customers began to contact her instead of Nor Akmar pursuing them.
Within three months, Nor Akmar hit the RM1mil jackpot in sales. In 2003, at the age of 26, she became one of the youngest group agency managers.
Since then, she has been drawing a five-digit monthly income.

“I am thankful to God for this rezeki as I can provide comfortably for my parents and loved ones. I believe in the law of attraction – be good and sincere in what you do, and the returns will come back to you in manifold.
“This business is a sunrise industry. Others can also earn as much as me.
“Of some 2,000 people in my group, six have set up their own agencies with an annual sales of RM24mil each,” said Nor Akmar.

Younger sister Aida Nurlin is one of Nor Akmar’s success stories.
Aida started selling unit trusts as an undergraduate in Universiti Teknologi Mara.
Aida recalled how she would wake up at 5am and pack an extra set of clothes in her car.
At 8am, she would don on her power suit to meet clients, determined to close a sale by 10am so that she could rush to her class.

“I would dash into the ladies’ to change into my student clothes. It was really tough then because I was committed to closing a RM20,000 sale every day, and at the same time maintain my grades,” said Aida, believed to be the youngest group agency manager for the CIMB wealth creation group.
She too has been making a five-digit income since student days. She bought her first property – a studio apartment in Sri Hartamas – in 2003 while still pursuing her degree in actuarial science.
Like Nor Akmar, Aida is enjoying the fruits of her success.

Both sisters get to wear chic clothes, offer their parents a comfortable retirement and the good things in life, treat friends to meals in classy restaurants and go for overseas holidays.
Aida is convinced the unit trust sales industry could offer unemployed graduates a secure future – if only they had the passion for the product, were committed to lifelong learning and not throw in the towel when the chips are down.

They always tell their group members to care for their customers, be honest and conduct fair dealings.
The sisters go for their umrah annually for they realise the good life they now enjoy does not just fall from the sky, but is due to God’s grace.

till next time, muah!

A Toast!

as a owner of my own blog, i would to propose a toast to myself...

'Welcome to CIMB Wealth Advisor!'

i will share my experience as i work it out from scratch, in hopes of becoming one of the succesful youth in this business.

Why Unitrust?

there are so many ways where u can make money these days. if u have a big capital, u can own a shoplot. u can hire sales attendance and manage ur daily business.

if u dont, u can do online business. like, sales blog? u can sell almost anything. from cupcakes, handmade jewellery, used/unused garments & accessories, MLM stuff etc etc.

what i am doing now, is to run my business in real-life (seeing people etc) and then share my experience in my blog.

see, if u are interested, u can always buzz me. if u have any questions, i'm here to help. whether u are an investor or not, u can always gain knowledge cos u know, u must be equipped to manage ur fund for your children's education, retirement, post retirement, hospitalization etc.

till next time. muah!