Investment


Down MarketA friend of mine, Aaron from mr-stingy.com blog, recently compiled 5 valuable opinions of investment strategies during down market from 5 peoples who established their own financial & management internet portal. Worth to note that some of them are also founders of some financial related companies.

I was given a chance by him to give my views on this matter. I never consider myself a financial expert (although Aaron insists me to be one) but I have my on strategies on what need to be done during this period.

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MyETFMyETF MSCI SEA Islamic Dividend is an Islamic exchange traded fund (ETF) is scheduled to be listed in Main Market of Bursa Malaysia on 7th May 2015. The Islamic ETF fund will have a fund size of 500 million units with an initial issue price of RM1 per unit.

ETFs are essentially unit trust schemes that are listed and traded on a stock exchange. They are open-ended with a unique in-kind creation and redemption mechanism supported by a system of participating dealers and liquidity providers.

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REITReal Estate Investment Trust (REIT) is one of the most popular ways to invest in property as the dividend is rather stable and attractive. The most important reason why REIT investment is, the investor can access the fund invested in REIT rather quickly than conventional property investment as the units are traded in Bursa Malaysia.

However, bear in mind that, dividend received from REIT Investment is taxable.

For a REIT fund that distributed at least 90 percent of their total yearly income to unit holders, the REIT itself is exempted from tax for that year of assessment.

However, unit holders require to pay tax on the dividend income received from the REIT investment. As the income distributed by REITs tax exempt, no tax credit would be available to the unit holders.

If the tax exempt income received by REITs and subsequently distributed to unit holders, this dividend continues to be tax exempt to the unit holders.

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Units trusts are one of the most popular methods of investment. It potentially generates higher returns when compare to fixed deposit or EPF saving. In the past few years, the number of approved unit trust funds, growth steadily.

The table below are the statistics of unit trust funds in Malaysia, including the number of approved fund management companies, no of approved funds, total Net Asset Value (NAV) and its percentage to Bursa Malaysia market capitalization. The data was at 31st December 2013.

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LTH

Recently, Lembaga Tabung Haji or Pilgrim Fund Board of Malaysia announced bonus comprising 6.0 per cent annual bonus (dividend) and 2.0 per cent special Hajj bonus for financial year ended 31st December 2013.

This bring the total bonus to 8 percent. The total bonus is similar to the amount declared in 2012.

The Hajj Bonus is only to depositors who have not performed their Hajj and limited to the current hajj fee (RM9,980) or their average monthly deposit for 2013 which ever lower.

Kindly refer to “Historical Tabung Haji Dividend Rate” page for previous year dividend.

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