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..
Nov 29, 2007
More Reasons to Choose Us
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
Nov 19, 2007
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?
Nov 12, 2007
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!
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!
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!
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!
Nov 11, 2007
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!
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!
'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!
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