Amanah Saham Bumiputera 2: Pelaburan ASB Terbaik Gen Y Malaysia?
- By CompareHero.my
- April 1, 2016
Ingin melabur dalam Amanah Saham Bumiputera 2 (ASB2)? Dapatkan maklumat tentang skim ASB2 disini!
Untuk versi Bahasa Inggeris, klik disini.
Amanah Saham Bumiputera 2 (ASB2) telah ditubuhkan pada 2 April 2014. ASB2 ialah unit amanah yang merupakan lanjutan daripada pelaburan ASB, iaitu sebuah program yang ditubuhkan oleh Permodalan Nasional Berhad (PNB) pada 2 Januari 1990. PNB menguruskan dana ASB2 yang berjumlah sebanyak 10 billion unit. Untuk semakan ASB online atau daftar MyASNB online, sila klik di sini dan ikuti langkah-langkah seperti yang tertera dalam video berikut:
ASB merupakan usaha untuk membantu golongan bumiputera menjana ekonomi melalui simpanan dalam bentuk alternatif yang juga merupakan produk pelaburan. Matlamat ASB adalah untuk memberi pulangan jangka masa panjang yang konsisten dan kompetitif. Bagi mencapai matlamat tersebut, dana ASB telah ditetapkan pada harga tetap iaitu RM1.00 bagi satu unit, dan tiada caj untuk jualan atau untuk penebusan unit.
Unit amanah ini adalah sebahagian daripada program Agenda Pemerkasaan Ekonomi Bumiputera. Ia bermatlamat untuk memperkasa golongan bumiputera dalam bidang kapital, sektor ekuiti korporat, serta khidmat penghantaran dan ecosistem.
Terdapat dua jenis akaun dibawah ASB2.
- Akaun bijak – adalah untuk pelabur antara umur 6 bulan hingga 18 tahun, dengan had pelaburan sebanyak 50,000 unit.
- Akaun dewasa – pula adalah untuk pelabur yang berumur 19 tahun keatas dengan had maxima pelaburan sebanyak 200,000 unit. ASB2 berdasarkan portfolio aset campuran
ASB menarik perhatian pelabur kerana ia menawarkan pelaburan berisiko rendah dan pada masa yang sama memberikan pulangan pelaburan yang tinggi. Dividen untuk ASB dikira secara bulanan dan berdasarkan pada jumlah minimum bulanan, ia kemudian diagihkan secara tahunan.
Bagi yang berminat, unit ASB2 boleh dibeli melaui ejen di bank. Maybank merupakan salah satu bank yang menyediakan perkhidmatan pembelian unit ASB2 melalui cawangan-cawanganya. Perkhidmatan perbankan diatas talian Maybank memudahkan proses pembelian unit ASB2. Pelabur hanya perlu log masuk ke akaun bank atas talian Maybank kemudian membeli unit ASB2 dengan menggunakan nombor keahlian ASB mereka. Maybank juga menyediakan pinjaman ASB2 untuk membantu individu yang ingin melabur dengan jumlah lebih.
Namun, ASB2 dibelenggu beberapa isu dan tentangan, contohnya dari Ahli Parlimen Bukti Bendera, Zairil Khir Johari yang mengatakan bahawa ASB2 adalah skim yang hanya akan menguntungkan golongan bumiputera kaya dan berpendapatan tinggi.
Menurut Zairil, isi rumah bumiputera yang tergolong dalam golongan B40 (bottom 40% percent) hanya menjana pendapatan sebanyak RM1,686 sebulan. Merujuk kepada laporan tahunan PNB, Zairil menyatakan bahawa tiga daripada empat pemegang saham ASB hanya mampu melabur sebanyak RM611. Menurutnya, ini membolehkan golongan bumiputera yang berpendapatan tinggi mengambil kesempatan terhadap unit ASB2.
Zairil menyatakan bahawa ini bertentangan dengan matlamat penubuhan ASB, iaitu untuk memberi peluang kepada golongan bumiputera berpendapatan rendah untuk melabur.
Kajian oleh ahli ekonomi Dr.Muhammed Abdul Khalid menyokong kenyataan Zairil. Menurut kajiannya jumlah majoriti portfolio bagi 0.1% pelabur golongan bumiputera berpendapatan tinggi adalah sebanyak 1,526 lebih daripada 80% jumlah pelaburan berpendapatan rendah.
Jadi ini menimbulkan persoalan, adakah ASB2 akan lebih menguntungkan golongan bumiputera kaya dan elit? Ini kerana hanya mereka yang mampu untuk melabur dengan jumlah yang banyak, seterusnya meraih keuntungan daripada ASB2.
Walaupun berhadapan beberapa cemuhan, Amana Saham Bumiputera 2 tetap mendapat sambutan baik kerana pendahulunya, iaitu ASB mempunyai rekod prestasi baik dalam memberikan pulangan pelaburan yang baik. Jadi golongan Gen Y disyorkan untuk mengambil kesempatan melabur dengan ASB2 kerana ia tetap akan mendatangkan keuntungan.
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Should Malaysian Students Work Part-time While Studying?
- By CompareHero.my
- March 31, 2016
Going to college or university is an expensive affair. With the increasing costs of tuition fees, accommodation and other living expenses, there is a long list of things that Malaysian students have to consider when taking into account their college or university finances.
In fact, many Malaysian students these days have to consider getting a part-time job for some extra income. While there are some who are keen to work part-time, there are others including parents who are cautious that academic performance will be affected. Here, we weigh the pros and cons of studying and working part-time to help you decide what’s best for you…
Pros
Working part-time while studying will be great for your bank account as you’ll end up having a little bit more pocket money to spoil yourself with. Of course, working will also open your eyes to the demands of the current marketplace. For those who rather work in areas that are not related to their studies, such as waitressing or in retail, you’ll still learn a lot from essential communication skills to understanding the ins and outs of businesses.
Students who wish to work in areas that they are passionate about should apply for jobs in industries that they are already studying in. For instance, a student pursuing an IT course can choose to work part-time in mobile phone or computer stores. These experiences will help you decide if this is the path that you’d like to go down some day or if you’d like to explore something different. Whatever you choose, this will be a great head-start for your career and will put more value on your CV.
Cons
To work part time, you must be highly disciplined. You must be able to juggle between work and study and strike a strong balance so that you don’t end up missing out on assignment deadlines because you’ve been busy making money. While you can work more hours during your first year, you’ll need to cut down on the hours as your course progresses. There may not be as many lectures or tutorials but a lot of time is needed to conduct research for dissertations and revision.
One important thing to check first with employers is if your work schedule is flexible. Changing your shifts or missing work days may end up making employers angry although they are already aware that your studies should come first. It’s worth keeping a realistic outlook on the sort of jobs that will be more available to you. Even if you hope to become a journalist, you need not necessarily get a chance to work with media organisations as they’ll want you to work full time.
Consider other unskilled jobs such as waitressing, promoting or babysitting – they may not be your first choice, but you’ll still gain some new skills and have fun along the way.
Important pointers
- Plan your time wisely
Get hold of your academic calendar and block out all the crucial dates so that you won’t need to work on those days. Exams, assignment deadlines and presentations should all come first. Inform your employer at least one month in advance. Try to work on semesters when you won’t have too many classes to deal with.
- Plan your finances
Do not spend more than what you can afford. Create a monthly budget, stick to it and save some serious cash! Never spend every single cent that you earn. Save up at least some of your earnings for rainy days and if at the end of the semester you find that you’ve got more than enough, treat yourself to a small break somewhere. After all, you’ve worked hard for it!
- Apply for scholarships or financial aid
There are many scholarships available for students. Try applying for them. Make sure that you maintain good academic results as many of these financial assistance prefer students who show a strong record in their academics. Here you can fin the best personal loans to finance your education.
Disclaimer: The views and opinions expressed in this article are those of the author and do not necessarily reflect the official statement/position of CompareHero.my. CompareHero.my is not responsible for the accuracy of any of the information supplied in this article.
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The Best Broadband Plans Under RM100
- By CompareHero.my
- March 30, 2016
Want to stay connected without causing a major dent to your budget? We’ve sorted out the best broadband plans in Malaysia that are below RM100 for you to enjoy great savings. Find out which broadband plan you can get while sticking to your budget, along with the pros and cons of each plan! (more…)
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6 Ways To Be A Successful Seller on Mudah.my
- By CompareHero.my
- March 28, 2016
Have you ever wanted to make money with your online business and be a successful seller on Mudah.my? Here are some of the best insider tips from the Mudah.my team that you can’t afford to miss – check out these 6 easy ways you can achieve success on Mudah.my!
Contents
Make Your Store Stand Out From The Crowd
Mudah.my receives thousands of ads per day and it can get really competitive to ensure your ad is seen by potential customers. One of the best ways to help you stand out from the thousands of sellers on the website is to utilise the PRO Niaga option. It’s like having your own online store on Mudah.my, as you will get your own personalised URL and it’s completely FREE for you to create a PRO Niaga account!
Once you’ve set up your PRO Niaga account, don’t stop there! If you have some extra budget for it, sign up for some of Mudah.my’s premium services. There are a number of premium services available, from Bump Your Ad, Mark Ad As Urgent, Featured ad and Premium Listing.
Do take note that while it is free to post ads for most categories for PRO Niaga, but there will be listing fee to post ads on properties, vehicles, electronic and job ads.
What Are The Advantages of PRO Niaga?
- Enjoy a simple platform to set up your own online shop instantly.
- Organise and manage the products you sell on Mudah.my with ease.
- Greater convenience for your regular customers who can visit your store at any time.
- Get discounts on Mudah credits that can be used to pay for premium services.
Get Your Ads Featured For Free
Want to get more exposure for the items you’re selling on Mudah.my? Learn how to optimise your ads to get them featured on Mudah.my’s #DealOfTheWeek and #DealOfTheDay. Both of these deals are featured across all of Mudah.my’s social media platforms. This is basically Mudah.my’s way of offering you ‘free advertising’ to their 1.9 million followers on Facebook and 49.1k followers on Instagram, so imagine the amount of exposure your ads will get!
How Do I Get Featured On Mudah.my’s #DealOfTheWeek or the #DealOfTheDay?
Grace from Mudah.my oversees the selection process for #DealOfTheWeek and #DealOfTheDay and shared her basic checklist for good product ads that are more likely to get featured. Check out the list she gave below:
- The product’s price should be relatively competitive compared to the market price
- The product is a unique item and is attention-grabbing.
- The product should be in good condition and offer great value for money.
- The product categories that are most often featured include hobby & collectibles, home appliances, luxury watches and shoes.
- The product should be relevant to the latest market trends, e.g. iPhone 6S, hover boards and etc.
Don’t Break The Rules
Breaking the rules of Mudah.my is not cool, and your business will lose out in the long run! In order to make sure your ads are approved and are not taken down; make sure you play by the rules of advertising as set by Mudah.my.
Do your homework and find out about the goods and services which are prohibited on Mudah.my. Among the items prohibited are E-cigarettes, alcohol, and adult sex toys. For the full list of prohibited good and services, click here.
“Some people think that anything can be sold on Mudah.my, but we actually have our guidelines So the rules of advertising is the basic study that sellers need to do before they start trading on Mudah.my. ” shared Zul, the Content Manager of Mudah.my
Zul went on to describe how the team handles these cases, “These are genuine sellers trying to earn money and set up business. We take a softer approach and explain to them why it won’t work and we tell them to remove the fake items.”
Mudah.my takes safety for both their sellers and buyers seriously. So as a precautionary measure, they may block your ad. This usually happens if the price and the product do not add up or make sense. This is also to stop cheats as well as to stop the trading of illegal goods such as counterfeit products on their platform.
Timing Means Everything
Just like how most brands choose to fork out millions to advertise during primetime because that’s when the most people are tuned in – you too can adopt a similar strategy and post your ads (for free!) on Mudah.my during certain hours in the day. Zul let us in on the secret to finding the three most strategic times to post your ad:
- Between 7:00am – 9:00am
- 12:00pm – 2:00pm
- 6:00pm onwards (weekdays)
These are the times where Mudah.my sees high traffic to their website. So what you need to do is be prepared to post your ad during those times. Get your images and product description ready beforehand so you won’t waste the opportunity to reach more potential customers!
Keep Up With The Market’s Trends
Always keep an eye out for the latest trends as well as any festivities before you plan what and when you want to post an ad for your online business. Different time periods will always have different opportunities, so pay close attention and be ready to tap into the market! You might even find yourself a loyal following amongst your customers every time the same season rolls around. (Remember those Yusuf Taiyoob radio ads?)
Grace shares that the online marketplace on Mudah.my has a wide variety of offerings, so you can expect to find shoes, coffee machine, even kuih being traded on the website. And according to Zul, that while their current audience is more male-centric, Mudah.my is looking into striking the right balance in order to cater and capture the female demographic as well.
As a bonus tip, Zul explained how their data shows ad for pre-loved items receive more contacts from buyers than brand new items. If you have a ton of memorabilia or old things that are sitting at home collecting dust, try selling it on Mudah.my!
Say It Right
To get the most visibility for your ads you must make sure your word it right. You can include links in the product description but the links must be relevant.
Use the correct spelling and the right key words so that when potential buyers use the search option, you can ensure your items will show up. For example, if you’re selling an IPhone, spell it right. You’ll lose out if you spell it as i-fone.
There you have it folks, simple tips to get you on track towards becoming a successful seller on Mudah.my! Want to save time and money? Get the best deals by comparing credit cards and personal loans for free on CompareHero.my!
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TIME Fibre Broadband Review Malaysia: Everything You Need To Know
- By CompareHero.my
- March 23, 2016
Sick and tired of having a slow Internet connection at home? TIME to get up to speed!(Pun intended) Whatever type of internet connection you’re looking for, we’ll help you get up to speed with the latest details of the brand new TIME Fibre Broadband plans! (more…)
