Di kesempatan ini kami di myinvestment2u mengucapkan SELAMAT HARI RAYA MAAF ZAHIR BATIN :) :) :)
| Read this article online at: http://www.financeasia.com/article.aspx?CIID=154792 |
| At last night's FinanceAsia Country Awards dinner, which celebrated the accomplishments of banks in 13 countries, CIMB's Nazir Razak was given a Lifetime Achievement Award, while DBS won the accolade for Best Asian Bank. |
| At last night's Country Awards for Achievement dinner, we announced that Nazir Razak, chief executive and managing director of CIMB group and its listed parent company Bumiputra Commerce Holdings, has won FinanceAsia's 2009 Lifetime Achievement Award. We also awarded DBS as the best overall bank in Asia. The awards dinner was held at the Conrad Hotel in Hong Kong. |
ANTARA TANDA-TANDA LAILATUL QADAR
Lailatul Qadar merupakan satu malam yang mempunyai kelebihan lebih seribu bulan yang lain. Ini dapat kita lihat daripada apa yang telah dinukilkan oleh Allah di dalam al-Quran dalam surah al-Qadar. Begitu juga dengan apa yang telah diberitahukan oleh Rasulullah S.A.W dalam beberapa hadis yang sohih. Kita disuruh untuk menghidupkan malam lailatul qadar dan tidak membiarkannya berlalu begitu saja. Rasulullah S.A.W telah bersabda dalam hadis muttafaq 'alaih daripada Abu Hurairah yang artinya : Sesiapa yang menghidupkan malam lailatul qadar penuh keimanan dan keikhlasan akan diampun baginya dosa yang telah lalu.
Menurut imam Fakhrurrazi bahwa Allah menyembunyikan malam lailatul qadar dari pengetahuan kita sebagaimana Dia menyembunyikan segala sesuatu yang lain. Dia menyembunyikan keredhaanNya pada setiap ketaatan sehingga timbul dalam diri kita keinginan untuk melakukan semua ketaatan atau ibadat itu. Begitu juga Dia menyembunyikan kemurkaanNya pada setiap perkara maksiat agar kita berhati-hati dan menjauhi segala maksiat dan tidak memilih antara dosa besar dan kecil untuk melakukannya kerana dosa kecil jika terus dilakukan secara berterusan akan menjadi dosa besar jika kita tidak bertaubat dan berusaha meninggalkannya. Dia menyembunyikan wali-waliNya agar manusia tidak terlalu bergantung kepada mereka dalam berdoa sebaliknya berusaha sendiri dengan penuh keikhlasan dalam berdoa untuk mendapatkan sesuatu daripadaNya kerana Allah menerima segala doa orang yang bersungguh-sungguh dan tidak mudah berputus asa. Dia menyembunyikan masa mustajab doa pada hari Jumaat supaya kita berusaha sepanjang harinya. Begitulah juga Allah menyembunyikan penerimaan taubat dan amalan yang telah dilakukan supaya kita sentiasa istiqamah dan ikhlas dalam beramal dan sentiasa bersegera dalam bertaubat. Demikianlah juga dengan penyembunyian malam lailatul qadar agar kita membesarkan dan menghidupkan keseluruhan malam Ramadhan dalam mendekatkan diri kepadaNya bukan hanya sekadar menunggu malam lailatu qadar sahaja untuk beribadat dan berdoa. Tetapi inilah penyakit besar yang menimpa umat Islam yang menyebabkan malam-malam Ramadhan lesu kerana mereka hanya menanti malam yang dianggap malam lailatul qadar sahaja untuk beribadat. Kerana mengejar kelebihan lailatul qadar yang mana kita tidak mengetahui masanya yang tertentu menyebabkan kita terlepas dengan kelebihan Ramadhan itu sendiri yang hanya datang setahun sekali.
Antara tanda-tanda dalam mengetahui malam lailatul qadar adalah berdasarkan beberapa hadis di bawah :
1. Abi Ibnu Ka'ab telah meriwayatkan bahawa Rasulullah S.A.W telah bersabda mengenai lailatul qadar yang artinya : Sesungguhnya matahari yang keluar pada hari itu tidak begitu bercahaya (suram). - Hadis riwayat imam Muslim dalam kitab puasa -
2. Telah diriwayatkan daripada Nabi S.A.W bahawa baginda telah bersabda yang artinya : Sesungguhnya tanda-tanda lailatul qadar, bahawa malamnya bersih suci seolah-olah padanya bulan yang bersinar, tenang sunyi, tidak sejuk padanya dan tidak panas, tiada ruang bagi bintang untuk timbul sehingga subuh, dan sesungguhnya tanda-tandanya matahari pada paginya terbit sama tiada baginya cahaya seperti bulan malam purnama tidak membenarkan untuk syaitan keluar bersamanya pada hari itu. - Hadis riwayat imam Ahmad dengan isnad jayyid daripada Ibadah bin As-Somit -
3. Dalam Mu'jam At-Tobarani Al-Kabir daripada Waailah bin Al-Asqa' daripada Rasulullah S.A.W telah bersabda yang artinya : Malam lailatul qadar bersih, tidak sejuk, tidak panas, tidak berawan padanya, tidak hujan, tidak ada angin, tidak bersinar bintang dan daripada alamat siangnya terbit matahari dan tiada cahaya padanya(suram).
4. Telah meriwayat Al-Barraz dalam musnadnya daripada Ibn Abbas bahawa Rasulullah S.A.W telah bersabda yang artinya : Malam lailatul Qadar bersih tidak panas dan tidak pula sejuk.
Qadhi 'Iyad telah mengatakan ada dua pendapat mengenai matahari yang terbit tanpa cahaya iaitu:
1) Ia merupakan tanda penciptaan Allah SWT.
2) Menunjukkan bahawa kerana terlalu banyak para malaikat yang berzikir kepada Allah pada malamnya dan mereka turun ke bumi yang menyebabkan sayap-sayap dan tubuh mereka yang halus menutupi dan menghalangi matahari dan cahayanya.
Daripada hadis-hadis di atas bolehlah kita buat kesimpulan bahawa antara tanda-tanda lailatul qadar ialah :
a. Pada malamnya keadaan bersih dengan cuaca tidak sejuk dan tidak pula panas.
b. Malamnya tenang yang mana terang dan angin tidak bertiup sebagaimana biasa dan awan agak nipis.
c. Malamnya tidak turun hujan dan bintang pula tidak bercahaya seolah-olah tidak timbul.
d. Pada siangnya pula matahari terbit dalam keadaan suram.
WALLAHUALAM :) :) :)
A unit trust fund is a collective investment scheme, which pools the savings of investors with similar investment objectives in a special "trust" fund managed by professional fund managers. The pooled monies in the unit trust fund will then be invested in a diversified portfolio of securities and other assets in accordance with the unit trust fund's investment objectives and as permitted under the Securities Commission's (SC) Guidelines on Unit Trust Funds.
The investment scheme of a unit trust fund can be illustrated as a between the tripartite relationship between the manager, the trustee and the unitholders. The manager is responsible for the management and operations of the unit trust fund whilst the trustee holds all the assets of the unit trust fund. The obligations and rights of each of the three parties are specified in the Deed, (a legal document entered into between the manager and the trustee, and registered with the SC). The Deed regulates the duties and responsibilities of the manager and the trustee with regard to the operations of the trust fund and protects the unitholders' interests.
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Nazir Razak wins Lifetime Achievement Award; DBS takes home Best Asian Bank Award
Monday, September 7, 2009Read this article online at: http://www.financeasia.com/article.aspx?CIID=154792 |
| At last night's FinanceAsia Country Awards dinner, which celebrated the accomplishments of banks in 13 countries, CIMB's Nazir Razak was given a Lifetime Achievement Award, while DBS won the accolade for Best Asian Bank. |
| At last night's Country Awards for Achievement dinner, we announced that Nazir Razak, chief executive and managing director of CIMB group and its listed parent company Bumiputra Commerce Holdings, has won FinanceAsia's 2009 Lifetime Achievement Award. We also awarded DBS as the best overall bank in Asia. The awards dinner was held at the Conrad Hotel in Hong Kong. |
Read this article online at: http://www.financeasia.com/article.aspx?CIID=154792 |
| At last night's FinanceAsia Country Awards dinner, which celebrated the accomplishments of banks in 13 countries, CIMB's Nazir Razak was given a Lifetime Achievement Award, while DBS won the accolade for Best Asian Bank. |
| At last night's Country Awards for Achievement dinner, we announced that Nazir Razak, chief executive and managing director of CIMB group and its listed parent company Bumiputra Commerce Holdings, has won FinanceAsia's 2009 Lifetime Achievement Award. We also awarded DBS as the best overall bank in Asia. The awards dinner was held at the Conrad Hotel in Hong Kong. |
Saturday August 22, 2009
(source : the star online)
KUALA LUMPUR: Signs that Asian economies are on a recovery path are
growing although the pace of recovery will likely be moderate, said CIMB
Investment Bank Bhd economic research head Lee Heng Guie.
“The worst is behind Asia, given the emergence of more signs of a
bottoming-out in the region and globally. Asia (economies) have bottomed
out and will stabilise.
“Recent data from G7 countries showed that the recession in these
countries is easing. The worst is clearly over,” Lee said at a media
briefing yesterday to re-introduce some of CIMB’s funds.
He said the Organisation for Economic Cooperation and Development’s
(OECD) composite leading indicator, which rose for a fourth month in
June, was a clear sign of the bottoming out in the United States, Japan
and Europe.
Lee believes Asian economies are about to turn the corner and raise their
contributions to the global gross domestic product (GDP).
“It (Asia) will stabilise and recover in the second half of this year and
continue to improve in 2010 on increasing external and domestic
demand,” he said.
Growth in China, India and Indonesia would remain robust while in
Malaysia, Singapore and Thailand, the pace of growth could remain
uneven, he added.
Lee cautions that although a recovery is underway, a sustained recovery
will likely be slow and a follow-through recovery is needed, adding that he
expects a stronger global recovery in 2011 with 2010 merely a gettingout-
of recession phase.
Lee said 2010 would a be “year of global interest rates hike” with India
and Indonesia to be the first few to make a move. “There will be negative
forces pushing the inflation higher next year,” he said.
Loose monetary policies, a revival in commodity prices and a higher
budget deficit would push inflation higher, according to Lee.
“If there is any rate action, it will be in baby steps and probably in the
second half of 2010,” he said, adding that he did not see a resurgence in
high inflation now.
Lee said “high savings and foreign reserves exceeding US$4.3 trillion had
strengthened Asian economies’ external position” and that “the region is
poised to ride or even lead the next economic boom.”
There was a need to reinvent Asia and make a shift from external
demand to domestic demand, he said.
Meanwhile, CIMB-Principal Asset Management Bhd chief investment
officer Raymond Tang said Asia had escaped the “bullet” of recession
and that higher interest rates would not have a big impact on its recovery.
“Moving from the current 2% to 3% will not impact the market so much,”
he said.
To a question, Tang said the best time to return to the market was three
months ago, but added that the risk of getting a double-dip was a lot lower
now than three to four months ago.
“It is possible to return to the 2007 level but I don’t know by when. Some
companies might recover and some might not. Some have even
surpassed their 2007 peak. “Will everyone recover? No. I don’t think so.
There will be some winners and losers,” he said.
Tang also encouraged investors to continue investing in equities on
expectation of a second round of recovery.
“The market moves ahead of the real economy by six to nine months. The
recent positive market performance has moved in anticipation of the first
round recovery.
“From here, we foresee a positive uptrend that investors can still partake
of in anticipation of the second leg of the recovery,” he said.
(source : the star online)
KUALA LUMPUR: Signs that Asian economies are on a recovery path are
growing although the pace of recovery will likely be moderate, said CIMB
Investment Bank Bhd economic research head Lee Heng Guie.
“The worst is behind Asia, given the emergence of more signs of a
bottoming-out in the region and globally. Asia (economies) have bottomed
out and will stabilise.
“Recent data from G7 countries showed that the recession in these
countries is easing. The worst is clearly over,” Lee said at a media
briefing yesterday to re-introduce some of CIMB’s funds.
He said the Organisation for Economic Cooperation and Development’s
(OECD) composite leading indicator, which rose for a fourth month in
June, was a clear sign of the bottoming out in the United States, Japan
and Europe.
Lee believes Asian economies are about to turn the corner and raise their
contributions to the global gross domestic product (GDP).
“It (Asia) will stabilise and recover in the second half of this year and
continue to improve in 2010 on increasing external and domestic
demand,” he said.
Growth in China, India and Indonesia would remain robust while in
Malaysia, Singapore and Thailand, the pace of growth could remain
uneven, he added.
Lee cautions that although a recovery is underway, a sustained recovery
will likely be slow and a follow-through recovery is needed, adding that he
expects a stronger global recovery in 2011 with 2010 merely a gettingout-
of recession phase.
Lee said 2010 would a be “year of global interest rates hike” with India
and Indonesia to be the first few to make a move. “There will be negative
forces pushing the inflation higher next year,” he said.
Loose monetary policies, a revival in commodity prices and a higher
budget deficit would push inflation higher, according to Lee.
“If there is any rate action, it will be in baby steps and probably in the
second half of 2010,” he said, adding that he did not see a resurgence in
high inflation now.
Lee said “high savings and foreign reserves exceeding US$4.3 trillion had
strengthened Asian economies’ external position” and that “the region is
poised to ride or even lead the next economic boom.”
There was a need to reinvent Asia and make a shift from external
demand to domestic demand, he said.
Meanwhile, CIMB-Principal Asset Management Bhd chief investment
officer Raymond Tang said Asia had escaped the “bullet” of recession
and that higher interest rates would not have a big impact on its recovery.
“Moving from the current 2% to 3% will not impact the market so much,”
he said.
To a question, Tang said the best time to return to the market was three
months ago, but added that the risk of getting a double-dip was a lot lower
now than three to four months ago.
“It is possible to return to the 2007 level but I don’t know by when. Some
companies might recover and some might not. Some have even
surpassed their 2007 peak. “Will everyone recover? No. I don’t think so.
There will be some winners and losers,” he said.
Tang also encouraged investors to continue investing in equities on
expectation of a second round of recovery.
“The market moves ahead of the real economy by six to nine months. The
recent positive market performance has moved in anticipation of the first
round recovery.
“From here, we foresee a positive uptrend that investors can still partake
of in anticipation of the second leg of the recovery,” he said.
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Thursday July 30, 2009
By DALJIT DHESI
(http://biz.thestar.com.my/news/story.asp?file=/2009/7/30/business/4369639&sec=business)
PETALING JAYA: The net asset value (NAV) of the unit trust industry is expected to chart 25% to 30% growth this year underpinned by growing investor confidence from improving global capital markets, according to Federation of Investment Managers Malaysia (FIMM) president Tunku Ya’acob Tunku Abdullah.
He said the 25% to 30% improvement in NAV for the year was a reasonable expectation, given the country’s strong economic fundamentals.
As at end-June, the NAV of the industry was RM164bil, an increase of about 22% against RM134bil at end-2008. NAV refers to the value of the underlying assets held by a fund, minus liabilities.
Tunku Yaacob Tunku Ya’acob said the recent stabilisation and gradual improvement in the world capital markets would bring about better investor sentiment.
Once confidence was restored, investors would be more comfortable taking on higher risk levels, he added. He said to date, there had been no major redemptions or panic selling of unit trust funds by investors in Malaysia compared with other markets worldwide.
“According to Bank Negara’s statistics as at April, there was more than RM300bil in savings and fixed deposit accounts. In view of the current low interest rate environment, some of these funds will eventually find their way into unit trust funds which offer better growth potential,” he said in an email reply.
MAAKL Mutual Bhd CEO Wong Boon Choy said the company expected to see continued improvement in investor confidence in the second half of this year.
The Government’s stimulus packages and their related multiplier effects would help cushion the impact of the sharp external downturn and set the stage for economic recovery in the second half year, he added.
Gan Public Mutual Bhd CEO Yeoh Kim Hong said with risk aversion receding, investors were now selectively repositioning their portfolios to participate in the market uptrend.
This had helped the industry pick up in terms of NAV and sales of equity funds, she said, adding that the company expected the industry to remain resilient in the second half year.
However, HwangDBS Investment Management Bhd head of equities Gan Eng Peng felt that the investment appetite of investors had been affected in the last few months as only a small number was focused on making money, opting instead to preserve wealth and “bullet proof” their finances and businesses.
On fund performance, Tunku Ya’acob said judging from the six-month data, local conventional and Islamic equity funds had been doing relatively well.
“Over the six-month period, the conventional or non-Islamic equity fund sector gave an average return of about 17%. Over the same period, the local Islamic equity fund sector recorded an average return of about 16%,” he noted.
Yeoh said on a year-to-date basis, funds invested in regional markets had outperformed those invested solely in the local market as regional markets had broadly outperformed the domestic market.
Selected sector funds such as real estate funds had outperformed other funds as the regional property markets had stabilised, she added.
Gan said the new stock exchange barometer, the FTSE Bursa Malaysia KL Composite Index (FBM KLCI), was expected to further lift the industry in terms of institutional investor participation.
Institutional investors would not confine their investment portfolio to the 30 counters but also tap the larger opportunities available in the market, he said, referring to the 30 index-linked stocks that make up the FBM KLCI.
According to Wong, the soon-to-be-launched online electronic system, known as E-Pilihan Pelaburan Ahli (E-PPA) for the withdrawal of EPF savings for members to invest in unit trusts, will also help improve the industry’s growth.
The new system is expected to cut the current withdrawal process time from one to two weeks currently to three to five days.
Tunku Ya’acob said investor education was essential to push the industry to a higher level as it was vital for investors to understand the merits of investing early and for the long term.
To better communicate the risk profile of each fund to investors, FIMM has introduced the Fund Volatility Factor (FVF) disclosure for unit trust funds of at least three years.
The FVF is a measure of the rise and fall of a fund’s returns over a period of time relative to its average returns.
Warmest Greetings from MyInvestment2u Team!
Welcome to all SMART INVESTORS to our brand new design blog page :) First and foremost, we would like to thank you for being our loyal clients. This blog is specially dedicated to you in order to ensure we keep in touch and gather more infromation about your savings and investment as well as the latest information on the industry.
Please feel free to browse through our blog and get updated with the latest info. Cheers!!!
With Warmest Regards,
MyInvestment2u Team
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