Kisah benarku, seorang Unit Trust Consultant

[whomyd]

a'kum, nama aku Humaidi, umur 25 thn.... lepas aku abis blajar dulu, aku taktau nak wat keje ape... slalunya orang makan gaji dulu la sbg start keje, maybe nak cari pengalaman, tapi aku terus terjun dalam bidang sales... keje yg takde gaji basic, juz komisyen based.... dan aku rasa maybe susah bagi aku yg takde background sales dan bisnes since aku amik laws dulu kat uia...

1st time aku buat keje ngan member aku, tlg2 dia buat bisnes... buat bisnes ngan sekolah2... supply itu ini... time tu dah mula rasa best buat sales... takde la se malu dan sesusah yg disangkakan.... keje agak mudah, fun, income pun agak masyuk... aku gain a lot of xperiences masa keje sales ngan kawan aku ni... ada 4 5 bulan buat keje ngan dia....

tak lama pastu, jumpa ngan sorang awek cun consultant unit trust SBB MUTUAL... dari dia aku blajar skit2 pasal unit trust... byk jugak le info dan pelajaran yg dpt dari minah cun ni... time tu dia dah setahun buat SBB Mutual... income dia pun dah cecah 5 angka sebulan.... tapi time tu aku lebih mengkaji dan belajar... tak terjun buat sales lg... awek ni jugaklah yg membuka minda aku mengenai bidang financial, investment dan banking di malaysia.... sblm ni aku taktau amende unit trust tu.... aku dok ingat mcm MLM... keh keh keh.... :p

tak lama pastu, aku terserong pandangan dgn SwissCash kejap masa awal2 SwissCash tgh hit malaysia dulu... masyuk jugak buat mende ni... keje lebih2 kurang mcm buat sales gak la... kena gi cari investors, downline lah etc... lebih kurang beberapa bulan aku aktif buat SwissCash, aku pun mula slow coz time tu mcm dah mula bising2... kerajaan bising la, fatwa haram la, sekuritu komision nak blok la etc etc.... dan akhirnya pada awal bulan 4 aku stop trus promote SwissCash.... baru aku sedar SwissCash bukanla real investment sptmana yg disangka aku.... takpelah, belajar dari pengalaman.... :p

then, aku decided nak buat balik unit trust... this time aku decide join PUBLIC MUTUAL... setelah aku buat research, mmg PUBLIC MUTUAL, not only the best in Malaysia, they're also the best in ASIA (kata2 aku ni adalah fakta, yg boleh aku attachkan kemudian, jika diminta) ;)

so aku join la officially sbg UNIT TRUST CONSULTANT PUBLIC MUTUAL pada hujung bln april baru ni.... best jugak... rasa public mutual ni lagi senang nak jual... ehehehe... tak lain tak bukan bcos reputation public mutual yg sgt strong dan jugak return tinggi dan sgt consistent...

so... cerita pasal income.... income aku bulan 4 tu lebih kurang rm3 ribu lebih je... alhamdulillah la for starting... income bulan 5 dah cecah rm6.5k... dan komisyen aku utk bulan 6 pulak aku yakin maintain antara rm6 - 7k... if boleh dpt lebih, lagi syukur.... aku punya upline yg bawak aku masuk public mutual ni, baru je buat 3 thn lebih... income dia konsisten stiap bulan tak kurang dari rm40k....

hehehehe.... inilah kisah benarku... its a long way to go, and they must be FUN! jeng jeng jeng.... :p

so sesape berminat nak jadi mcm aku dan consultant2 lain yg income 5 angka stiap bulan tu, bleh memulakan langkah pertama korang dgn mengontek aku, aku akan cuba sebaik mungkin utk membimbing :D

[aunpower]

Maaf yea... saye tak minat nak jadik agen tu... tapi saye minat nak dengar... return on investment public mutual ni.. leh cite sket tak.....?? bae min investment..... bape return ...bape kali leh wihdraw setahun..... care kiraan camne.... ape risiko die...... thankksss...

[mrgunn]

bagaiman cerita aweks cun tu?

[kainlangsir]

ntah...aku lebih berminat nak tau pasal awek cun tu. ada gambo ke.

[whomyd]

Maaf yea... saye tak minat nak jadik agen tu... tapi saye minat nak dengar... return on investment public mutual ni.. leh cite sket tak.....?? bae min investment..... bape return ...bape kali leh wihdraw setahun..... care kiraan camne.... ape risiko die...... thankksss...


FUNDS PERFORMANCE FROM 30TH MAY 2006 TO 30TH MAY 2007 (return utk setahun)

PUBLIC ITTIKAL - 44.32%
PUBLIC ISLAMIC OPPORTUNITY FUND - 45.36%
PUBLIC ISLAMIC DIVIDEND FUND - 37.40%
PUBLIC ISLAMIC EQUITY FUND - 43.52%
PUBLIC ISLAMIC BALANCED FUND - 31.01%

min investment rm1k aje bang... :p

there's a charge of 6.5% on initial investments... and also other charges like annual fees etc... tapi return yg aku tunjuk kat atas tu ialah NAV... return bersih... means itulah keuntungan korang yg takkan ditolak dgn apa2 charge lagi dah :D

one of the characteristic of UT is LIQUIDITY... means u bleh withdraw anytime... tapi takkan la nak withdraw time blum untung lagi... ye tak... contoh if u already profit dalam masa 5 or 6 bulan, bleh kluarkan semua... takde charge utk withdraw...

generally, UT is moderate risk... there's risk of fluctutation of the market n price.... and UT doesn't guarantee on ur capital preservation.. however, track record menunjukkan, investors make money more than 15% in a year... interesting kan... ;)

[whomyd]

pasal awek cun agent SBB Mutual tu, skarang dia dah maintain income rm30k ke atas setiap bulan... :p

[whomyd]

http://www.publicmutual.com.my/images/imgfiles/MARKETING/failaka_001.jpg

Public Mutual Bhd was named winner of the “Best Fund Manager in Asia 2006 Award” by the Failaka Advisors. The award was presented by Mr Mark J Smyth, Managing Director of Failaka Advisors to Public Mutual’s Chairman, Y. Bhg. Tan Sri Dato’ Sri Dr. Teh Hong Piow during Public Mutual’s Annual Awards Night held on 20 May 2007 at Sunway Pyramid Convention Centre, Petaling Jaya.

The Failaka Advisors, with headquarters in Dubai, UAE and offices in Chicago, USA, is a recognised leader in the field of Islamic funds research. The Failaka Islamic Fund Awards stand apart as the benchmark for excellence in the field of Islamic fund management and represents a high-water mark for award winners.

In presenting the award to Public Mutual, Mr Mark Smyth said, “Public Mutual has shown consistent outstanding performance in its category - Best Fund Manager in Asia. Globally, we have seen investments in this space grow by double digits to USD14 billion as of year end 2006. When we published our first Islamic fund report in 1998 (for 1997), we profiled 13 Shariah-compliant equity funds compared to 218 funds profiled in our current report for 2006.”

In his acknowledgement speech, Tan Sri Teh expressed Public Mutual’s pride in receiving this international recognition, which is a testimony of the company’s collective dedication and commitment to continuously deliver value to its investors. Tan Sri Teh dedicated the award, “to Public Mutual’s board of directors, management, staff, agency force and unit holders for your strong support given over the years which have provided the platform for Public Mutual to attain its prominence today.”

Public Mutual Bhd, a wholly-owned subsidiary of the Public Bank Group is Malaysia’s largest private unit trust company, managing a total of 42 funds with more than 1 million accountholders todate. As at 14 May 2007, the company’s fund size has exceeded RM20 billion.

notes : THE BEST FUND MANAGER IN ASIA TUUU!!!! :D

[zoragon_krazz]

public mutual nie sama mcm amassurance ke?de kuar paper aritu dia punya

perolehan mamat sorg nie sampai 10juta buat rekod..

[whomyd]

public mutual nie sama mcm amassurance ke?de kuar paper aritu dia punya

perolehan mamat sorg nie sampai 10juta buat rekod..

AmAssurance ialah insurans... Public Mutual ialah UNIT TRUST... lain kategori tu bang...

by the way, keje dalam ke dua2 kampeni ialah sales... bidang sales mmg menjanjikan income yg lumayan, if rajin dan disiplin, plus, rezekiiiii... :D

[NEMO]

AmAssurance ialah insurans... Public Mutual ialah UNIT TRUST... lain kategori tu bang...

by the way, keje dalam ke dua2 kampeni ialah sales... bidang sales mmg menjanjikan income yg lumayan, if rajin dan disiplin, plus, rezekiiiii... :D

bro terasa nak jadi anak buah ko...aku ni minat benda2 nih..tapi xjumpa leader yang boleh guide aku camne nak buat sales...

ko duk area bukit a/bangsa ke??

[whomyd]

bro terasa nak jadi anak buah ko...aku ni minat benda2 nih..tapi xjumpa leader yang boleh guide aku camne nak buat sales...

ko duk area bukit a/bangsa ke??

yup, bkt a'bangsa, ampang... ko kat mane?

bleh je ko join group of consultant aku... group kitorang mmg sempoi n supportive :D

[NEMO]

skrg ni aku tanam anggur...tapi aku ada apply keje kat ampang....kalu dpt sana...aku pi sana jumpa ko..:D

sempoi yg best tuh

[whomyd]

skrg ni aku tanam anggur...tapi aku ada apply keje kat ampang....kalu dpt sana...aku pi sana jumpa ko..:D

sempoi yg best tuh

baik ko start je skarang buat unit trust full time... bleh concentrate dan cpt success... group members yg lain yg buat part time tu, mcm slow sket la... tak sempat nak buat... yelah, komitmen kat tempat keje berat... takde masa sgt nak buat sales... then cemane nak masyukkk... :p

[moolaswiss]

Humaidi, nak jadi consultant mutual fund ni, org tu perlu 'special breed' ker...? maksud aku memang ada bakat semulajadi utk jadi salesperson ker...atau memang boleh diasuh dari zero to hero?
Tq.

[Ejal_Kronik]

citer ckit sales y jenis camner..tuk cari upline ker tu pomote produk..

[whomyd]

Humaidi, nak jadi consultant mutual fund ni, org tu perlu 'special breed' ker...? maksud aku memang ada bakat semulajadi utk jadi salesperson ker...atau memang boleh diasuh dari zero to hero?
Tq.

aku sendiri, from zero to hero... ahakkss...

special breed? teringat citer X-MEN lak... hehehhe... takde la... sesape je mampu buat sales... yg penting, rajin, disiplin, dan apply apa yg diajar... jgn apa yg diajarkan tu simpan jadi pekasam, sudah la... hehehhe

[whomyd]

citer ckit sales y jenis camner..tuk cari upline ker tu pomote produk..

2 2 penting... produk bagus, upline tak bimbing, slow jugak jadiknye... produk tak bagus, upline power, pun kita taknak jugak... takut clients teraniaya nanti...

nak buat sales unit trust ni tak serumit nak jual insurans (sbb dulu aku penah blajar2 jugak nak jual insurans ni, tapi tak jadi buat insurans, sbb complicated skit... nak kena tgk umur la, nak tambah riders la... kena invest x lebih dari 10% drp annual income etc...)

unit trust lebih direct to the point... even orang umur 80 pun bleh jadi our clients... market sgt luas berbanding insurans...

[whomyd]

antara kelebihan jadi UNIT TRUST CONSULTANT ni ialah :

1) direct komisyen - starting, korang akan dapat 2.85% (drp investment clients initial invetment) contoh : dia invest rm100k, kita dpt rm2,850.. kalau sales sebulan 200k, dpt la rm5,700.... rm200k sebulan senang je nak achieve.... ;)

komisyen akan naik sehingga 4.15% bila korang achieve certain sales... :)

2) indirect komisyen (overiding) - bila korang dah ade downlines nanti, bleh dpt lagi indirect komisyen from sales yg diorang buat.. tak byk average dlm 1% je drp downlines kita punya sales...

contoh kalau kita ada 3 orang downline, setiap sorang buat sales rm100k... so jumlah rm300k... average overiding komisyen ialah 1%... dpt la kat korang lebih kurang rm3k... tu kira sbg insentif korang didik korang nyer downline lah kan.. :)

3) year end bonus - dpt bonus ujung tahun ikut percentage drp sales kita utk spjg tahun tersebut... dpt gak la skit bonus... :D

4) free trip - jalan2 ke vietnam, jepun, mana2 je la kat overseas yg diorang nak bawak kita pegi... tapi kena achieve target sales dulu la... trip slalunya seminggu, semua FOC kecuali nak beli2 apa2, duit sendiri la... :)

5) dan mcm2 lagi laaaaaaa... nanti citer lagi bila korang jumpa aku face to face :D:D

[newbiefx]

Bro tuan punya thread..

so publich mutual ni keuntuangan dia banyak dari ASB ker?

cthnya saya deposit RM1000 dalam masa setahun pelaburan ni dapat keluar tak?

biasanya berapa keuntuangan yang saya akan dapat dalam setahun?

saya tak berapa minta nak jadik agen.. cuma minat nak invest..

[whomyd]

Bro tuan punya thread..

so publich mutual ni keuntuangan dia banyak dari ASB ker?

cthnya saya deposit RM1000 dalam masa setahun pelaburan ni dapat keluar tak?

biasanya berapa keuntuangan yang saya akan dapat dalam setahun?

saya tak berapa minta nak jadik agen.. cuma minat nak invest..

keuntungan Public Mutual jauh lebih tinggi drp ASB...

bleh kluar duit anytime jika pelaburan kita dah untung... kekadang untung tak sampai setahun pun (tgk market cemana la... skarang ni tgh bagus)

keuntungan melebihi 10% setahun... ada yg sampai 20% - 30% setahun... might be more... tapi taknak le overpromise...

apa2 pun, mmg lebih drp ASB ;)

[xref]

bro...mendde mcm ni aku memang berminat....mcm mane aku nak jd agen ye...leh ke wak pat time luh pahtu aku nmpk line ok wak fuel time la...

[xref]

pahtu nak masuk egen kene kuar modal gak ke....

[newbiefx]

ok saya berminat.. so saya nak kena pergi ke Public bank ker?

so katakan permulaan saya deposit RM1000 .. saya nak lihat market semasa berkenaan dengan ni kat mana?

[bida]

tengo le camner whomyd present dan menjawap pertanyaan korang mmg kemas dan menarik, korang bljrlah dri dia.

[whomyd]

pahtu nak masuk egen kene kuar modal gak ke....

nak jadi agent, kena ada lesen drp FMUTM (federation malaysian unit trust manager) dulu... so utk amik lesen tu, ko kene seat exam dulu... dan diorang akan berikan kelas extensive khas utk lesen tu sehari suntuk...

fees yg dikenakan lebih kurang RM250 aje....

then if ko join PUBLIC MUTUAL, buat sales rm30k dan ke atas, fees ko tadi public mutual REFUND balik.... mcm ko join free je la ;)

berminat, contact no aku tu... :cool:

[whomyd]

ok saya berminat.. so saya nak kena pergi ke Public bank ker?

so katakan permulaan saya deposit RM1000 .. saya nak lihat market semasa berkenaan dengan ni kat mana?

ko ada 2 choice :

1) pegi trus ke public bank atau public mutual
2) invest melalui agent spt aku

kelebihan invest melalui agent, agent boleh cadangkan mana 1 fund yg bagus... dan dia akan tlg submit ko nyer investment... ko x perlu ke bank... juz jumpa agent tu je kat memana.... segala form semua dia akan bawak....

invest dlm UT tak se volatile dan se tinggi risiko main saham... kita bkn main saham... so tak perlu sgt nak tgk hari2 price dia sbb naik turun tu agak slow berbanding stocks... tapi kalau nak tgk jugak, dalam paper spt The Star, The Edge, Utusan or BH ada siarkan harga semasa utk semua UT di malaysia... kat muka tgh ekonomi tu laa... ;)

jgn risau, investment kita tu dilaburkan oleh FUND MANAGER public mutual yg sgt expert... bkn kita sendiri2 yg pilih mana stock yg kita nak invest... so juz leave it to the expert... and wait 4 ur return aje ;)

[whomyd]

tengo le camner whomyd present dan menjawap pertanyaan korang mmg kemas dan menarik, korang bljrlah dri dia.

thanks bida :D

sharing is caring... dlm forum ni aku lebih kpd nak cari agents yg berminat nak buat unit trust... if nak cari investors, aku tak cari dalam forum... kat luar sana tu yg invest ngan aku skali invest, rm50k ke atas... mmg best... public mutual mmg senang nak jual... very good reputation...

so sesape yg nak blajar cemane nak buat duit ngan UT, sila contact aku... aku sentiasa ingin membantu ;)

[bida]

hehe...avatar baru nampak fresh sket...ko bleh update apa2 news, perkembangan biz unit trust ko kt thread ni akupun nak tau jgk selok belok bt bende ni.:D

[whomyd]

thanks di atas sokongan... harap thread ni memberi manfaat dan dpt memberi gambaran perjalanan kisah hidup seorang perunding unit amanah spt aku... heheheh.... :D

kpd sesape yg berminat, peluang sentiasa terbuka utk korang ;)

[flizzoe]

nak jadi agent, kena ada lesen drp FMUTM (federation malaysian unit trust manager) dulu... so utk amik lesen tu, ko kene seat exam dulu... dan diorang akan berikan kelas extensive khas utk lesen tu sehari suntuk...

fees yg dikenakan lebih kurang RM250 aje....

then if ko join PUBLIC MUTUAL, buat sales rm30k dan ke atas, fees ko tadi public mutual REFUND balik.... mcm ko join free je la ;)

berminat, contact no aku tu... :cool:

student universiti macam aku ni leh amek exam ni tak?

[whomyd]

aku rasa aku tersilap post kat ruangan classified... tapi aku rasa topic aku ni sesuai letak kat sini kot... juz nak berkongsi pengalaman aku sbg Unit Trust Consultant Public Mutual.... :D

click kat sini utk ke thread tu..... http://nogold.com/forum/services/21870-kisah-benarku-seorang-unit-trust-consultant.html

:D:D

[JiraiyaSama]

bape byk thread nak bukak...bukak yg ni utk promote yg 'tu' wat pe bro??letey ar camni...hehehe

[whomyd]

bape byk thread nak bukak...bukak yg ni utk promote yg 'tu' wat pe bro??letey ar camni...hehehe

sorry2... aku confuse kat mane topic mcm ni sepatutnya di letak... thanks to mod... tocey2 :D

[whomyd]

student universiti macam aku ni leh amek exam ni tak?

sesiapa saje yg berumur 21 thn ke atas... tak kisah le nganggur ke, student ke, bini orang ke... :p

[jejaka_miskin]

sesiapa saje yg berumur 21 thn ke atas... tak kisah le nganggur ke, student ke, bini orang ke... :p

alo bro..

aku nak menginvest dkt unit trust yg ko ckp tu bleh x?

mcm best je.. hihi.. :D

[erzua_anna]

alo bro..

aku nak menginvest dkt unit trust yg ko ckp tu bleh x?

mcm best je.. hihi.. :D

ni dia otai adcent da smpai...:D:D:D

[jejaka_miskin]

ni dia otai adcent da smpai...:D:D:D

huih.. jgn la ckp lagu tuh.. otai pebendanye..

ihihi.. ingt nak sumbat duit adsense kt sini plak lew.. hihi.. ;)

[erzua_anna]

huih.. jgn la ckp lagu tuh.. otai pebendanye..

ihihi.. ingt nak sumbat duit adsense kt sini plak lew.. hihi.. ;)

jangan lupa smpan kan aku gak ae...:D:D:D:D:p

[jejaka_miskin]

jangan lupa smpan kan aku gak ae...:D:D:D:D:p

aiyark~ huhu.. doa doakanla aku dpt byk earning yek..

bleh la simpankn utk ko skit.. :cool:

[erzua_anna]

aiyark~ huhu.. doa doakanla aku dpt byk earning yek..

bleh la simpankn utk ko skit.. :cool:

:eek::eek: betul ke...:D:D stiap mlm aku akan smbayang hajat tuk ko...:D:D

[jejaka_miskin]

:eek::eek: betul ke...:D:D stiap mlm aku akan smbayang hajat tuk ko...:D:D

insyallah.. jika ade rezeki.. :D

[erzua_anna]

insyallah.. jika ade rezeki.. :D

:D:D insyallah:D

[jejaka_miskin]

:D:D insyallah:D

yea~ insyallah.. aku tido dulu. nite~ :D

[erzua_anna]

yea~ insyallah.. aku tido dulu. nite~ :D

nite:D:D:D

[profesor]

Salam bro.. yg sdg bkeje tp minat nak join as an agent under ur group leh ker? ada monthly target x? :D

[whomyd]

alo bro..

aku nak menginvest dkt unit trust yg ko ckp tu bleh x?

mcm best je.. hihi.. :D

boleh je. skarang market tgh bagus... sampai pilihanraya ujung thn ni atau awal thn depan, market mmg sentiasa berada di tahap yg sgt memberansangkan...

nak invest, jgn berlengah la... call aku 012 368 2489 ;)

[whomyd]

Salam bro.. yg sdg bkeje tp minat nak join as an agent under ur group leh ker? ada monthly target x? :D

boleh. utk permulaan nak test market, bleh start dgn part time dulu... ada dalam group aku even part time pun, sales more than rm100k sebulan... ;)

tapi ade gak yg part time, tapi hothotchickensh*t.... kekekeke :D

[flizzoe]

boleh. utk permulaan nak test market, bleh start dgn part time dulu... ada dalam group aku even part time pun, sales more than rm100k sebulan... ;)

tapi ade gak yg part time, tapi hothotchickensh*t.... kekekeke :D

aku berminat.. tapi takut termasuk dalam golongan yang kau sebut tu... :(:( camne yerk..

[whomyd]

Salam bro.. yg sdg bkeje tp minat nak join as an agent under ur group leh ker? ada monthly target x? :D

monthly target terpulang kpd diri sendiri la nak target brapa... takde sape nak paksa or marah... achieve tak achieve, thats ur income... so pandai2 la...

tapi if dalam group aku, kita akan sama2 tlg ko bagi bimbingan dan tunjuk ajar supaya ko achieve target yg ko nak... selebihnya, terpulang kepada usaha sendiri ;)

[whomyd]

aku berminat.. tapi takut termasuk dalam golongan yang kau sebut tu... :(:( camne yerk..

ko termasuk dalam golongan mane, itu ko sendiri yg tentukan sebenarnye... hehehehe.. tol tak? :D

[flizzoe]

ko termasuk dalam golongan mane, itu ko sendiri yg tentukan sebenarnye... hehehehe.. tol tak? :D

slalu u buat marketing.. group target u sape yerk?

[whomyd]

slalu u buat marketing.. group target u sape yerk?

ko bleh target utk dptkan CASH investment, ataupun KWSP investment....

aku skarang ni target big2 CASH investors dan jugak bisnes man... sbbnya skali diorang invest, puas beb, walaupun nak jumpa diorang tu agak susah (diorang ni slalu bz sgt)... diorang ni kalau diorang nak invest, skali invest rm50k, rm200k... mmg best :D

tp utk permulaan, utk new comers, try market yg sederhana dulu... contohnya, ko try target clients yg ada KWSP (EPF).... orang yg berumur 35thn ke atas selalunya dah memenuhi requirement utk invest ke dalam UT melalui skim KWSP...

clients KWSP ni senang skit diorang nak invest... sbb diorang tak perlu kluarkan cash money pun nak invest... guna duit KWSP je :D

[profesor]

monthly target terpulang kpd diri sendiri la nak target brapa... takde sape nak paksa or marah... achieve tak achieve, thats ur income... so pandai2 la...

tapi if dalam group aku, kita akan sama2 tlg ko bagi bimbingan dan tunjuk ajar supaya ko achieve target yg ko nak... selebihnya, terpulang kepada usaha sendiri ;)

mcm menarik jer..
apa syarat nak jg agent bro?

[whomyd]

mcm menarik jer..
apa syarat nak jg agent bro?

kelayakan :

1) umur 21 thn ke atas
2) minimum kelayakan SPM
3) warganegara malaysia
4) betul2 mau cari duit

fees utk jadi agent RM250 (lebih kurang) untuk :

1) kelas utk exam
2) exam
3) kad pengenalan diri sbg agent yg sah (dari FMUTM)

:D

[Ferdy]

Tanya sket..

Berapa risiko kerugian ?
Atau capital boleh jadi kurang sket bila hujung tahun atas sbb2 tertentu ?

[whomyd]

Tanya sket..

Berapa risiko kerugian ?
Atau capital boleh jadi kurang sket bila hujung tahun atas sbb2 tertentu ?

knape capital bleh jadi sikit bila hujung tahun? sbb ape yek? :p

spt yg aku dah posting sblm ni, risiko ialah sederhana... depends on market... risiko kerugian tak tentu, selalunya rendah je risiko nak rugi... kalau clients dah invest more than setahun tu, mmg dah untung sgt byk dah....

clients "rugi" hanya pada permulaan investment (sbb dikenakan charge sbyk 6.5%, so kat situ client dah rugi -6.5%) tapi charge tu skejap je cover balik... based on market skarang, dalam 2 bulan lebih kurang, dah cover "kerugian" charge tadi...

generally, clients untung much more than 15% setahun dgn public mutual... :)

[whomyd]

thanks kpd yg dah sms kat aku... so sesape yg berminat nak dgr briefing pendek dan berjumpa ngan aku, bleh datang :

pada : SETIAP SELASA
tempat : PUBLIC MUTUAL BANGSAR
time : 8.30 malam

nak tau lebih lanjut, sila sms aku orait... 012 368 2489 :D

[Kasyidi]

rasa mcm berminat je.... erm...

[whomyd]

rasa mcm berminat je.... erm...

nak merasa income 5 angka dalam masa yg agak cepat dan legal, meh le jadi unit trust consultant :D

[flizzoe]

jap.. off topic:
cuba tengok avatar whomyd dan Kasyidi.. korang sedara ke? :confused::eek::rolleyes::D

[bida]

jap.. off topic:
cuba tengok avatar whomyd dan Kasyidi.. korang sedara ke? :confused::eek::rolleyes::D

aku nampak spec dorang sama:D

[whomyd]

jap.. off topic:
cuba tengok avatar whomyd dan Kasyidi.. korang sedara ke? :confused::eek::rolleyes::D

sedara seIslam la... tapi aku lagi hensem skit... kekekeke :D:D:p

[bida]

kalo guna epf buat investment bleh x?

[whomyd]

kalo guna epf buat investment bleh x?

boleh.. akaun 1 epf kena rm55k ke atas baru layak... :)

[10sen]

boleh.. akaun 1 epf kena rm55k ke atas baru layak... :)

salam bro, kawan baru2 nak blajo camne UT nie generate income.. so maaf la klu tanya soklan2 yg selalu org tanya. part invest dr epf tu, cuma boleh pk dr akaun 1 je ke? bukan ke akaun ni utk pesara, maknanye kena smp umur t'tentu je br leh kuarkn. lg satu, klu leh kuarkn dr epf, min kena ada 55k kn, tp berapa maks amaun kita leh kuarkn n ada tak kes cth cam pelabur kuarkn epf 50k tp letak kat UT cuma 20@30k je, balance diorang sapu.. any legal isu x??

last skali bro, xde ke serpihan2 group ko kat JB ni?? cam berminat gak nak belajo psl UT ni..:D:D

[goldvalley]

kalo guna epf buat investment bleh x?

tak silap aku klu guna epf leh tp kena tunggu 55thn la baru
leh merasa hasilnya..

[whomyd]

mengenai EPF investment scheme ke dalam UT... let me make things clear... hanya EPF akaun 1 sahaja yg bleh diambil utk invest ke dalam UT... itu pun, bkn bleh amik brapa amount sesuka hati... dia ada pengiraan yg telah ditetapkan... dan investment menggunakan EPF ni bleh di repeat stiap 3 bulan... bermaksud, tetiap 3 bulan korang kena jumpa client yg sama (means, dah ada stable income la)

contoh :

akaun 1 ada rm55k... so, 55k tu WAJIB ditolak dgn rm50k (sbb 50k ni adalah amount wajib yg kena ada dalam akaun 1).. jadi,

55k - 50k = 5k

so rm5k tadi, hanya 20% yg bleh di invest ke dalam UT... meaning, RM1,000 SAHAJA yg bleh di invest (sbbnya min investment dlm UT ialah 1k)... maknanya, belambak lagi duit dlm epf dia tu... kita bleh kluarkan sikit je...

so katakanla mamat ni ada rm200k dalam akaun 1 dia... so 200k - 50k = 150k X 20% = hanya rm30k yg bleh diinvest...

so tak timbul isu2 penyelewengan pengeluaran duit epf... okey clear?

knape EPF benarkan duit akaun 1 (utk retirement) tu invest ke dalam UT, basically sbb utk retirement jugak... juz nak tambahkan keuntungan dgn diversify ke tmpt lain... semua duit dari EPF yg di invest ke dlm unit trust akan dimasukkan balik ke dalam EPF bila dah untung nanti... jgn mimpi nak cash out dan ambik sblm 55 thn... :p

[anne_81]

Nak tergelak baca 'hothotchickens***'...ingatkan english proverb mana ntah...rupanya translation je..:D
U lebih kepada nak cari UT consultant ke atau lebih kpd nk cari new investors? Rasanya former rather than latter, right?

[whomyd]

Nak tergelak baca 'hothotchickens***'...ingatkan english proverb mana ntah...rupanya translation je..:D
U lebih kepada nak cari UT consultant ke atau lebih kpd nk cari new investors? Rasanya former rather than latter, right?

sini suma kaki cari duit... mestila aku nak cari potential agents kat sini... cari investors, kat luar sana tu belambak... tak larat nak kutip... besar2 lak tu... :p

[whomyd]

so sape yg berminat dan ada pertanyaan, bleh la tanya kat sini atau sms aku... ;)

[poyo]

Very interesting, saya terasa mcm best gak ni. Tapi lepas election nanti mcm mana lak, ada lg ke org yg nak invest UT. But I'm also very interested to start UT gak, blm cukup duit lebih RM1k lagi, tu je.

[whomyd]

Very interesting, saya terasa mcm best gak ni. Tapi lepas election nanti mcm mana lak, ada lg ke org yg nak invest UT. But I'm also very interested to start UT gak, blm cukup duit lebih RM1k lagi, tu je.

b4 election ke after election ke... market naik ke down ke, semua ada strategy kita... anytime actually is the best time utk client invest... takde masalah... orang invest dlm UT tak mengira masa.... ;)

[WanNo]

berminat gak jadi agent...
tapi rasanya ada potensi jadi "hothotchickensh*t"... hehe

kalu saya tak agent...
tapi nak introduce org invest UT dgn bro,
bleh dpt komisen tak?:D

[flizzoe]

berminat gak jadi agent...
tapi rasanya ada potensi jadi "hothotchickensh*t"... hehe

kalu saya tak agent...
tapi nak introduce org invest UT dgn bro,
bleh dpt komisen tak?:D

aku pun ada idea yang sama gak.. :D:D
lagi satu.. kalau invest melalui bro.. takleh ke share komisen yang u dapat? :D:D:D ala2 cash back offer gitu.. :D:D

[whomyd]

berminat gak jadi agent...
tapi rasanya ada potensi jadi "hothotchickensh*t"... hehe

kalu saya tak agent...
tapi nak introduce org invest UT dgn bro,
bleh dpt komisen tak?:D

try le jadi dulu... blum jadi dah cop diri HHCS... hehehehhe... :p

bleh je dpt... aku bagi le nanti... boleh bincang nyer... ;)

[whomyd]

aku pun ada idea yang sama gak.. :D:D
lagi satu.. kalau invest melalui bro.. takleh ke share komisen yang u dapat? :D:D:D ala2 cash back offer gitu.. :D:D

boleh takde masalah... ;)

[ripzer]

aku pun ada idea yang sama gak.. :D:D
lagi satu.. kalau invest melalui bro.. takleh ke share komisen yang u dapat? :D:D:D ala2 cash back offer gitu.. :D:D

alahai beb.online investment bole la cashback2 ..ni kerja tetap, kesian la dia.commission tu utk buat living.hahaha. jgn la paw lagi :D

[flizzoe]

alahai beb.online investment bole la cashback2 ..ni kerja tetap, kesian la dia.commission tu utk buat living.hahaha. jgn la paw lagi :D

hehe.. bukan apa.. dah dia terang2an cakap income 5 angka.. so aku rasa takde problem le kalau nak buat cash back offer.. :D:D:D

[kyle_anwar]

ooOoOoOo..ko ni mcm agent smith lah yek.

nanti kalo ade kengkawan aku yg nak invest aku intro kat ko.. janji ada commission..hehehehe...

[whomyd]

korang nyer investment ngan aku, takperla member2, aku bagi je balik komisyen aku tu... ;)

drp korang bagi sesape yg korang nak bagi kat aku tu, why not korang je jadi agent, pastu pegi la close that client, dpt full komisyen tu kat korang... lagi bagus la :D

[flizzoe]

korang nyer investment ngan aku, takperla member2, aku bagi je balik komisyen aku tu... ;)

drp korang bagi sesape yg korang nak bagi kat aku tu, why not korang je jadi agent, pastu pegi la close that client, dpt full komisyen tu kat korang... lagi bagus la :D

foreigners leh invest tak? kat uni aku.. ramai foreigners... selalunya foreigners lagi banyak duit daripada locals :):):)

[kyle_anwar]

korang nyer investment ngan aku, takperla member2, aku bagi je balik komisyen aku tu... ;)

drp korang bagi sesape yg korang nak bagi kat aku tu, why not korang je jadi agent, pastu pegi la close that client, dpt full komisyen tu kat korang... lagi bagus la :D

masalahnye nak jadi agent smith cam ko, nak kena gi ambik exam, pastu nak kena bayo tu and ini...kitaorg keje dlm pejabat, susah nak bahagi masa..mlm dengan anak2 lg..

[whomyd]

foreigners leh invest tak? kat uni aku.. ramai foreigners... selalunya foreigners lagi banyak duit daripada locals :):):)

boleh je... so cepat2 la dtg reg jadi agent... ;)

[whomyd]

masalahnye nak jadi agent smith cam ko, nak kena gi ambik exam, pastu nak kena bayo tu and ini...kitaorg keje dlm pejabat, susah nak bahagi masa..mlm dengan anak2 lg..

nak senang kena la susah skit bang... upline aku ada anak bini gak... sbulan rm50k... kan bahagia idup tu... :D

[angelus]

hehe exam dia susah tak?

aku ni bab2 exam selalu failed... hehehe

[flizzoe]

hehe exam dia susah tak?

aku ni bab2 exam selalu failed... hehehe

hehe.. sama la kita.. :D:D:D

[goldvalley]

hehe exam dia susah tak?

aku ni bab2 exam selalu failed... hehehe

aku dulu ada p kelas mara UT..
1st day class punya la boring..
dah biasa suasana meeting MLM yg meriah
tu pasal rasa boring semacam...
2nd week terus aku x dtg..
amik exam lagi jauh..hehe

[whomyd]

hehe exam dia susah tak?

aku ni bab2 exam selalu failed... hehehe

exam dia senang je... korang pass SPM, mesti pas punye exam tu...

kelas dia hanya dari pagi sampai ptg je... sehari saja... lebih kurang seminggu lepas kelas tu, exam... soalan tahap2 basic je... ;)

susah la nak jumpa orang yg repeat... kecuali la dia tu lembab gile... :p

[whomyd]

aku dulu ada p kelas mara UT..
1st day class punya la boring..
dah biasa suasana meeting MLM yg meriah
tu pasal rasa boring semacam...
2nd week terus aku x dtg..
amik exam lagi jauh..hehe

takperlah, ko go on jer dgn MLM ko tu... asalkan ko happy :D

[flizzoe]

exam dia senang je... korang pass SPM, mesti pas punye exam tu...

kelas dia hanya dari pagi sampai ptg je... sehari saja... lebih kurang seminggu lepas kelas tu, exam... soalan tahap2 basic je... ;)

susah la nak jumpa orang yg repeat... kecuali la dia tu lembab gile... :p

ok.. nanti aku cari duit untuk exam tu.. pastu aku cari kau.. :):):)

[whomyd]

ok.. nanti aku cari duit untuk exam tu.. pastu aku cari kau.. :):):)

hai... hari2 trade forex pun takde duit lagi bro? ahakkksss :p

rm250 je... tu pun refunded balik after ko dah achieve sales 30k :D

[goldvalley]

takperlah, ko go on jer dgn MLM ko tu... asalkan ko happy :D

skang dh x buat pun..
duk monorex hari2..
x smpat nk meeting larut mlm..

[flizzoe]

hai... hari2 trade forex pun takde duit lagi bro? ahakkksss :p

rm250 je... tu pun refunded balik after ko dah achieve sales 30k :D

cuba kau usha blog aku.. agak2 banyak tak duit yang aku trade? :D:D hehe..

p/s: tengah bangkit kembali selepas menerima tamparan hebat.. berani betul market cilok duit aku.. keji betul.. :D:D:):)

[whomyd]

skang dh x buat pun..
duk monorex hari2..
x smpat nk meeting larut mlm..

malam2 menorex, siang2 buat UT la bro... :D

[goldvalley]

malam2 menorex, siang2 buat UT la bro... :D

x sempat la geng...
pagi2 dh masuk ofis..
ptg & mlm menorex..
niat tu mmg ada..
maybe next time..
aku tgk PM UT ni track record mmg bagus..

[poyo]

Takde lah, sbb org tua saya pun dh cite mcm2 pasal this coming election. Anyway, it sure sounds interesting to known that there is a UT trader out there yang ada his own group, bagus lah mcm ni. At least org baru yg jadi UT trader, ada bantuan skit2. I am also interested jugak, blh cerita apa yang perlu kita ada to be an ok UT trader ( selain amik test tu la ), mcm berpakaian kemas ke, hensem bagai nk gile ke, nak ada lappy ke etc? Sy skrg bekerja dgn org tua, tp masa sy mmg flexible.

b4 election ke after election ke... market naik ke down ke, semua ada strategy kita... anytime actually is the best time utk client invest... takde masalah... orang invest dlm UT tak mengira masa.... ;)

[WanNo]

try le jadi dulu... blum jadi dah cop diri HHCS... hehehehhe... :p

bleh je dpt... aku bagi le nanti... boleh bincang nyer... ;)

cop diri HHCS awal2 sbb sedar diri..hehhe :p

nanti kalu ada org nak masuk aku contact ko...
kumpul duit komisen... baru aku masuk... heheh

[whomyd]

x sempat la geng...
pagi2 dh masuk ofis..
ptg & mlm menorex..
niat tu mmg ada..
maybe next time..
aku tgk PM UT ni track record mmg bagus..

bila agak2 berminat tu, contact aku orait ;)

[whomyd]

Takde lah, sbb org tua saya pun dh cite mcm2 pasal this coming election. Anyway, it sure sounds interesting to known that there is a UT trader out there yang ada his own group, bagus lah mcm ni. At least org baru yg jadi UT trader, ada bantuan skit2. I am also interested jugak, blh cerita apa yang perlu kita ada to be an ok UT trader ( selain amik test tu la ), mcm berpakaian kemas ke, hensem bagai nk gile ke, nak ada lappy ke etc? Sy skrg bekerja dgn org tua, tp masa sy mmg flexible.

anyone can be a UT consultant, including you... tak perlu muka hensem, tak perlu ada "bakat" tertentu... anybody can la ;)

sila sms atau call aku utk keterangan lanjut... ko lagi la senang sbb keje ngan parents... :D

[whomyd]

cop diri HHCS awal2 sbb sedar diri..hehhe :p

nanti kalu ada org nak masuk aku contact ko...
kumpul duit komisen... baru aku masuk... heheh

ehmmm yelah2 :p

[amirsiti]

intresting thread nih...

-sams- www.ikhlas4u.com

[kyle_anwar]

intresting thread nih...

-sams- www.ikhlas4u.com

menarik..diasamping leh kongsi kongsi pengalaman, leh mengapi-apikan member kita nih... hehehehe.. anyway.. offer bro kita memang menarik..dia memang nak tolong anak bangsa kita nih...nanti aku cube pertimbangkan... so tak de ke org lain yang nak bukak thread pasal pengalaman dia pulak? jadi gigolo ke, jadi Salesman ke.. jadi PM ke... hehehehe...

[whomyd]

hehe... today dpt sorang investor... CASH investments... rm30k je :D

[JiraiyaSama]

hehe... today dpt sorang investor... CASH investments... rm30k je :D

apa lagi...paste la screen shot,,...:D:D:D

[whomyd]

apa lagi...paste la screen shot,,...:D:D:D

ni bkn hyip bang dpt payment kat e-gold... nak scan cemane form dah hantar... ehhehehe...

takpe, 7/6 ni komisyen aku utk bulan ke 2 masuk... aku akan paste kan screenshot aku nyer komisyen tu nanti...

tadi aku call agent service... rupanya sales aku bulan lepas dah approve melebihi apa yg aku dok budget... sales yg aku submit dah approve 300k... so komisyen aku 300k X 2.85% = rm8,550

yihhaa :D

[moneymax]

kenal ke consaltant UT cina ( name x pasti), tapi dia dah lama, target sale dia 1 juta setahun, aku dengar dia memang kerja kuat, datang pagi office follow up, lepas tu buat appointment dengan customer tanya bila nak jumpa, petang dah keluar jumpa customer, kerja menyeronokkan.

tapi ini maslah English aku kurang,
aku dalam bidang sale juga, enjoy, happy hour,
betul kata hang, rajin adalah punca rezeki. aku pernah dapat target . dah dapat income yang best, duit iatu boleh kita guna beli apa sahaja yang kita mahu, melanja makan, happy hour, macam2 la

[whomyd]

note : komisten agent UT public mutual dibayar pada stiap 7 hb pada bulan berikutnya... so komisyen aku utk bln 5, dpt pada 7/6.... :)

[whomyd]

kenal ke consaltant UT cina ( name x pasti), tapi dia dah lama, target sale dia 1 juta setahun, aku dengar dia memang kerja kuat, datang pagi office follow up, lepas tu buat appointment dengan customer tanya bila nak jumpa, petang dah keluar jumpa customer, kerja menyeronokkan.

tapi ini maslah English aku kurang,
aku dalam bidang sale juga, enjoy, happy hour,
betul kata hang, rajin adalah punca rezeki. aku pernah dapat target . dah dapat income yang best, duit iatu boleh kita guna beli apa sahaja yang kita mahu, melanja makan, happy hour, macam2 la

bro, ramai sgt la agents yg sales dia more than sejuta stahun... sales sjuta sthn tu average je... aku sebulan je sales dah 300k... heheh.. bkn nak blagak oit, saje nak share... :p

watpe ko nak expert english? bleh ckp BM pun dah ok... ko carik je la clients melayu... bknnya nak kena cari clients chinese or omputih pon... :D

[moneymax]

bro, ramai sgt la agents yg sales dia more than sejuta stahun... sales sjuta sthn tu average je... aku sebulan je sales dah 300k... heheh.. bkn nak blagak oit, saje nak share... :p

watpe ko nak expert english? bleh ckp BM pun dah ok... ko carik je la clients melayu... bknnya nak kena cari clients chinese or omputih pon... :D

paling tinggi bro dpat target sales berapa sebulan?

[moneymax]

macam mana nak cari customer , ? mana kita tahu customer ada begitu banyak wang, susah nak close

[whomyd]

paling tinggi bro dpat target sales berapa sebulan?

aku bulan 6 ni baru nak masuk 3 bln aku ngan public mutual... sales aku tertinggi stakat ni rm300k sbulan (bln 5 baru ni).... bln 4 arituh (bln pertama) sales aku rm100k lebih skit je...

utk bln 6 ni, baru je dkt2 rm50k sales aku... baru awal bulan... :)

[whomyd]

macam mana nak cari customer , ? mana kita tahu customer ada begitu banyak wang, susah nak close

sbb tu dlm group aku, kitorang ajar cemane nak buat "LISTING".... power ooo cara ni... nak blajar? meh join group aku :D

[moneymax]

aku bulan 6 ni baru nak masuk 3 bln aku ngan public mutual... sales aku tertinggi stakat ni rm300k sbulan (bln 5 baru ni).... bln 4 arituh (bln pertama) sales aku rm100k lebih skit je...

utk bln 6 ni, baru je dkt2 rm50k sales aku... baru awal bulan... :)

fuh, bro, u baru 3 bulan masuk sudah melebihi gaji pegawai manager, memang murah rezeki, jom la kita buat sama2

[moneymax]

sbb tu dlm group aku, kitorang ajar cemane nak buat "LISTING".... power ooo cara ni... nak blajar? meh join group aku :D

x sabar nak dengar ini. esok jumpa di bangsar

[whomyd]

x sabar nak dengar ini. esok jumpa di bangsar

dtg betul2, jgn ckp je... :p

sesape yg berminat utk dgr peluang jadi unit trust consultant ni, sila datang :

pada : SETIAP SELASA
tempat : PUBLIC MUTUAL BANGSAR
time : 8.30 malam

nak datang tu, sms aku dulu... orait :D

[freeziy]

sbb tu dlm group aku, kitorang ajar cemane nak buat "LISTING".... power ooo cara ni... nak blajar? meh join group aku :D

god job bro..ko telah membuka minda ramai orang especially golongan melayu..dulunya UT nie popular among ca ya nun aliff jerk..

and tak ramai yg sudi share knowledge cam ko..ko mmg best aah..anyway,takdek ke hajat nak datang menjengah potential investor or buka cawangan group ko kat kawasan utara nie..aku zero dalam bab2 agent UT ni..

p/s : aku selalu tertanya2, agent UT nie diorang invest ke tak dalam UT yg diorang promote nie..:rolleyes: :D

[moneymax]

god job bro..ko telah membuka minda ramai orang especially golongan melayu..dulunya UT nie popular among ca ya nun aliff jerk..

and tak ramai yg sudi share knowledge cam ko..ko mmg best aah..anyway,takdek ke hajat nak datang menjengah potential investor or buka cawangan group ko kat kawasan utara nie..aku zero dalam bab2 agent UT ni..

p/s : aku selalu tertanya2, agent UT nie diorang invest ke tak dalam UT yg diorang promote nie..:rolleyes: :D

memang UT perlukan salesman melayu , sebab market melayu kurang, jadi market melayu memang senang nak dapat, banyak salesman cina, tapi market cina dah kurang, jadi public bank perlukan salesman melayu untuk promote product dia kepada market melayu, jadi untung la sesiapa jadi agen,
kalau x ada masalah aku jumpa ko esok,
aku takut jumpa elizeberd esok. habis la macam ini, dia pon agen macam bro juga

[moneymax]

nak datang tu, sms aku dulu... orait

bro takut agen lain yang ambil, letak bawah downline dia? kalau jumpa elizeberd macam mana?

[whomyd]

god job bro..ko telah membuka minda ramai orang especially golongan melayu..dulunya UT nie popular among ca ya nun aliff jerk..

and tak ramai yg sudi share knowledge cam ko..ko mmg best aah..anyway,takdek ke hajat nak datang menjengah potential investor or buka cawangan group ko kat kawasan utara nie..aku zero dalam bab2 agent UT ni..

p/s : aku selalu tertanya2, agent UT nie diorang invest ke tak dalam UT yg diorang promote nie..:rolleyes: :D

kat utara especially penang, alostaq n perlis pun dah ada agents dan branches kat sana.... tapi ramai agents bkn melayu la... yg melayu pun ada jugak, cuma x brapa ramai dan x agresif sgt... :)

ape lagi, hang jadi la agent utk area utara pulak :D

[whomyd]

bro takut agen lain yang ambil, letak bawah downline dia? kalau jumpa elizeberd macam mana?

alizeberd tu sape? :confused::p

ko nak datang, please sms aku dulu, aku turun bawah sambut ko :p:D

[whomyd]

p/s : aku selalu tertanya2, agent UT nie diorang invest ke tak dalam UT yg diorang promote nie..:rolleyes: :D

aku blum invest lagi... modal takde lagi ni... baru je nak merasa senang skit... lagipun aku baru je nak masuk 3 bulan... masuk bln ke 4 aku nak invest utk diri sendiri jugak... sbg simpanan aku (buat ala2 EPF la... sbb aku ni takde EPF...) :p

FYI, kita bleh invest skit2 dalam UT ni stiap bln... simpan rm100 stiap bulan pun dah ok... aku ingat nak buat mcmtu la... buat autodebit, bulan2 tolak 500 ke dlm UT... :)

[whomyd]

http://bursa.asiaebroker.com/img/JAChart/KLCIChart_1818.png

KLCI arini...

[anne_81]

Rasanya ramai yg post kt sini are more interested to invest in the instrument rather than to become the consultant itself..
So, rasanya u dh postkn benefits dia sbg consultant kan? bonus, overriding komisyen, etc...
So nk tau apa criterias yg di cari utk jd agen ni..traits/personalities...
sbab ada kawan keje kat kt a stokbrockering company,..then resigned to join this la..dan last time contact dia, dia claimed income dh sampai 6 figures...wow..that much??:eek:
I like to become one...if i'm convinced enuff..;)

[whomyd]

Rasanya ramai yg post kt sini are more interested to invest in the instrument rather than to become the consultant itself..
So, rasanya u dh postkn benefits dia sbg consultant kan? bonus, overriding komisyen, etc...
So nk tau apa criterias yg di cari utk jd agen ni..traits/personalities...
sbab ada kawan keje kat kt a stokbrockering company,..then resigned to join this la..dan last time contact dia, dia claimed income dh sampai 6 figures...wow..that much??:eek:
I like to become one...if i'm convinced enuff..;)

takde criteria tertentu nak jadi UT consultant ni... memasing ada x-factor tersendiri... setiap orang x sama... dlm public mutual ni, yg nampak NERD je pun, sales tak hingat... yg nampak biasa2 je, duit byk... yg hensem, yg tak hensem, yg jambu, semua jenis ada... tapi memasing ada kelebihan dan kekurang sendiri... so kena pandai exploit kelebihan diri sendiri tu... ;)

in fact, ramai yg sblm ni bergaji 5 6 ribu sbulan sblm ni, resign dan jadi UT consultant full time... sbb bila dah concentrate, u bleh target how much u nak achieve sales in a month... u sendiri menentukan ur income... :)

UT consultant ni ada yg income 4 angka, 5 angka, 6 angka... yg income sejuta bulan pun ada... rezeki masing2... plus rajin dan disiplin... tu je... :)

bayangkan one day u got the chance to close corporate sale (means kampeni invest ngan u)... kampeni2 besar mana main invest 100 200k... kurang 1 mil skali invest.... ada sorang agent yg aku dgr close kampeni kat tganu kot... that company invest rm30mil.... komisyen mamat ni 4.15%.... do the math :D

[anne_81]

takde criteria tertentu nak jadi UT consultant ni... memasing ada x-factor tersendiri... setiap orang x sama... dlm public mutual ni, yg nampak NERD je pun, sales tak hingat... yg nampak biasa2 je, duit byk... yg hensem, yg tak hensem, yg jambu, semua jenis ada... tapi memasing ada kelebihan dan kekurang sendiri... so kena pandai exploit kelebihan diri sendiri tu... ;)

in fact, ramai yg sblm ni bergaji 5 6 ribu sbulan sblm ni, resign dan jadi UT consultant full time... sbb bila dah concentrate, u bleh target how much u nak achieve sales in a month... u sendiri menentukan ur income... :)

UT consultant ni ada yg income 4 angka, 5 angka, 6 angka... yg income sejuta bulan pun ada... rezeki masing2... plus rajin dan disiplin... tu je... :)

bayangkan one day u got the chance to close corporate sale (means kampeni invest ngan u)... kampeni2 besar mana main invest 100 200k... kurang 1 mil skali invest.... ada sorang agent yg aku dgr close kampeni kat tganu kot... that company invest rm30mil.... komisyen mamat ni 4.15%.... do the math :D

Wait..mana calculator nih?? betul ke figure nih..wow over rm12 juta..correct me if i'm wrong..mind-boggling income figure..but this mamat mesti dh lama jd UT consultant kan?
I have banking and stocks/shares background, but none and nada in unit trust, apalagi sales...;)
p/s U nyer group supportive tak..?:D

[whomyd]

Wait..mana calculator nih?? betul ke figure nih..wow over rm12 juta..correct me if i'm wrong..mind-boggling income figure..but this mamat mesti dh lama jd UT consultant kan?
I have banking and stocks/shares background, but none and nada in unit trust, apalagi sales...;)
p/s U nyer group supportive tak..?:D

dia buat unit trust dah lama... dlm 3 thn kot... di dah level "Group Agency Manager" dah.... komisyen mamat tu rm1,245,000 je... :o

mmg susah nak dpt peluang mcm tu... tapi tak susah sbnrnya nak buat corporate sales yg dpt invest dlm rm1mil... terlalu byk kampeni yg bleh invest more than 1mil... berani ngan tak berani je la korang nak gi propose... dan nak follow up lama gakla.. yela, diorang nak kena BOD meeting la hapa la.. it takes time... sementara menunggu kampenie2 tu buat decision, cari je personal investment orang2 biasa ni... ramai je yg ada duit kat luar sana tu... believe me orang Malaysia ramai yg kaya dan byk duit... ;)

awal2 ni, meh kita target market public dulu... bila dah rasa terre nanti, jom kita try approach corporate sales pulak.. :D

my group is great... semua melayu ;)

[anne_81]

dia buat unit trust dah lama... dlm 3 thn kot... di dah level "Group Agency Manager" dah.... komisyen mamat tu rm1,245,000 je... :o

mmg susah nak dpt peluang mcm tu... tapi tak susah sbnrnya nak buat corporate sales yg dpt invest dlm rm1mil... terlalu byk kampeni yg bleh invest more than 1mil... berani ngan tak berani je la korang nak gi propose... dan nak follow up lama gakla.. yela, diorang nak kena BOD meeting la hapa la.. it takes time... sementara menunggu kampenie2 tu buat decision, cari je personal investment orang2 biasa ni... ramai je yg ada duit kat luar sana tu... believe me orang Malaysia ramai yg kaya dan byk duit... ;)

awal2 ni, meh kita target market public dulu... bila dah rasa terre nanti, jom kita try approach corporate sales pulak.. :D

my group is great... semua melayu ;)

Silap kira ke? mata dh rabun ni..:p
Rasanya i klau nak join x der masalah..networking ok, communication ok, cuma maybe i nak invest dulu...so lagi senang nk ckp/convince prospects...
Or i maybe go to my bf, dia maybe interested to invest la..maybe 100k sbg initial amount...tgk performance setahun mcm mana...
klau i, i invest cikit jek dulu..:p

[whomyd]

Silap kira ke? mata dh rabun ni..:p
Rasanya i klau nak join x der masalah..networking ok, communication ok, cuma maybe i nak invest dulu...so lagi senang nk ckp/convince prospects...
Or i maybe go to my bf, dia maybe interested to invest la..maybe 100k sbg initial amount...tgk performance setahun mcm mana...
klau i, i invest cikit jek dulu..:p

then, welcome to the club! :D

dtg le esok public mutual bangsar... dgr dan tgk ape yg patut ;)

[anne_81]

then, welcome to the club! :D

dtg le esok public mutual bangsar... dgr dan tgk ape yg patut ;)

Nak tanya, salah tlg betul kan..betul ke yg Ittikal tu yields 54% ROI in three-year period..??:D
Ada member bgtau klau dh put 1 mill, amount dh jad one and half mil..:D

[whomyd]

Nak tanya, salah tlg betul kan..betul ke yg Ittikal tu yields 54% ROI in three-year period..??:D
Ada member bgtau klau dh put 1 mill, amount dh jad one and half mil..:D

Ittikal mmg power... THE BEST dlm kategori ISLAMIC EQUITY di Malaysia.... tapi dah fully subscribed... however, meh kita tgk performance Ittikal dan Public Islamic Equity Fund utk 3 tahun.... :D

2 2 dana ni ialah dana Islamic terbaik Public Mutual... dan terbaik di Malaysia (anugerah dari LIPPER dan STANDARD & POORS) ;)

FUNDS PERFORMANCE from 30/05/2004 - 30/05/2007

http://i138.photobucket.com/albums/q278/whomyd/PI_PIEF.jpg

Public ITTIKAL - 74.68% (annual growth - 24.89%)
Public ISLAMIC EQUITY FUND - 70.08% (annual growth - 23.36%)

growth setahun more than 20%... byk tu... :D

[anne_81]

Ok based on performance memang bagus fund ni..
Itu for investor’s foods for thought…mcm mana dgn UT agen pulak..
Kawan yg income dia 6 figures tu, i slalu asak dia dgn soalan macam2..slalu i tanya mcm mana u maintain income. his answer was just simple..by helping you to invest, my income is guaranteed regardless of the market performance. :D
Betul tak? Long cut short, all the bankers/fund managers are making money every year regardless of the market. Sama jugak ke dgn UT agent ni kan…??
I know some dribs and drabs about this..but I don’t have intention to reveal it here…:D
Many new investors are very interested to invest in UT sebab dont have the time to follow the stock market and we hardly have any idea which stock to buy since we have one thousand and one hundred stocks available. So sesape yg nk invest dgn moderate risks..bleh try UT..eh promot pulak..:D

p/s sori klau i bnyk cerewets..

[whomyd]

Ok based on performance memang bagus fund ni..
Itu for investor’s foods for thought…mcm mana dgn UT agen pulak..
Kawan yg income dia 6 figures tu, i slalu asak dia dgn soalan macam2..slalu i tanya mcm mana u maintain income. his answer was just simple..by helping you to invest, my income is guaranteed regardless of the market performance. :D
Betul tak? Long cut short, all the bankers/fund managers are making money every year regardless of the market. Sama jugak ke dgn UT agent ni kan…??
I know some dribs and drabs about this..but I don’t have intention to reveal it here…:D
Many new investors are very interested to invest in UT sebab dont have the time to follow the stock market and we hardly have any idea which stock to buy since we have one thousand and one hundred stocks available. So sesape yg nk invest dgn moderate risks..bleh try UT..eh promot pulak..:D

p/s sori klau i bnyk cerewets..

betulla apa yg ur fren ckp tu... ANYTIME IS THE BEST TIME TO INVEST in UT... ;)

kita ada strategies dalam UT ni utk maximize the returns dan minimize the risk of rugi regardless market cemane pun... so, anytime je ada orang yg akan invest...

actually, sesape yg dah faham mengenai kebaikan jadi agent UT ni, dia akan tau, income mmg akan jadi consistent, malah meningkat...

nak tau cemane? datang la esok... aku citer... :D:D

[anne_81]

betulla apa yg ur fren ckp tu... ANYTIME IS THE BEST TIME TO INVEST in UT... ;)

kita ada strategies dalam UT ni utk maximize the returns dan minimize the risk of rugi regardless market cemane pun... so, anytime je ada orang yg akan invest...

actually, sesape yg dah faham mengenai kebaikan jadi agent UT ni, dia akan tau, income mmg akan jadi consistent, malah meningkat...

nak tau cemane? datang la esok... aku citer... :D:D

Esok ke? Venue, time?
Anyway...off topic skit..yg minah cun yg ajar u UT ni..How things get going with her? Pergh..income 6 figures..mesti byk lalat cuba hinggap..:D

[whomyd]

Esok ke? Venue, time?
Anyway...off topic skit..yg minah cun yg ajar u UT ni..How things get going with her? Pergh..income 6 figures..mesti byk lalat cuba hinggap..:D

dia tu actually jiran auntie i... so auntie i la yg bercriter pasal that girl... so, i pun pegi la jumpa this girl... dia sgt2 meng welcome la i yg berminat ni.... hehehhe... byk benda yg dia ajar, kira sampai i mostly faham la pasal UT ni...

she's still single... tapi dah ade bf tu... tunggu masa nak kawin je kot... dia maintain 5 figures skarang... tapi humble je... skali tgk, mcm awek2 muda yg lain la... cuma barang2 dia pakai mahal sket la... kasut feragamo (betul ke i eja ni) jam bvlgari i dgr dkt2 10k... handbag harga riban2... pen mont blanc rm1k pun dia bleh hilangkan camtu je, siap lupa letak mana.... :D

bila dah dalam industri ni, pandai2 la jaga diri... dgr citer, ada consultant pompuan jual body smata2 nak dptkan sales million2.... :rolleyes:

[whomyd]

Esok ke? Venue, time?

EVERY TUESDAYS
PUBLIC MUTUAL BANGSAR
8.30 PM

please sms me b4 coming... so i bleh turun bawah kejap n bawak u naik atas...

:D:D

[anne_81]

dia tu actually jiran auntie i... so auntie i la yg bercriter pasal that girl... so, i pun pegi la jumpa this girl... dia sgt2 meng welcome la i yg berminat ni.... hehehhe... byk benda yg dia ajar, kira sampai i mostly faham la pasal UT ni...

she's still single... tapi dah ade bf tu... tunggu masa nak kawin je kot... dia maintain 5 figures skarang... tapi humble je... skali tgk, mcm awek2 muda yg lain la... cuma barang2 dia pakai mahal sket la... kasut feragamo (betul ke i eja ni) jam bvlgari i dgr dkt2 10k... handbag harga riban2... pen mont blanc rm1k pun dia bleh hilangkan camtu je, siap lupa letak mana.... :D

bila dah dalam industri ni, pandai2 la jaga diri... dgr citer, ada consultant pompuan jual body smata2 nak dptkan sales million2.... :rolleyes:

Yg i highlight tu betul la tu..cuma feragamo tu actually ferragamo..haha...Itu product line under Neiman Marcus tu...:D
It's up to them..rasanya klau berbaloi nk jual body segala makes sure income lpas tu power la...:D

[WanNo]

korang cerita2 ni dah buat aku teruja nak jadi agent...
tapi tu la... aku ni slalu je HHCS... hehe

[whomyd]

Yg i highlight tu betul la tu..cuma feragamo tu actually ferragamo..haha...Itu product line under Neiman Marcus tu...:D
It's up to them..rasanya klau berbaloi nk jual body segala makes sure income lpas tu power la...:D

tulah.. takde sape nak suruh or takde sape nak halang... pandai2 sendiri la... tapi sendiri kena ingat halal haram la... kalau ingat duit je, semua "halal" je... :o

[whomyd]

korang cerita2 ni dah buat aku teruja nak jadi agent...
tapi tu la... aku ni slalu je HHCS... hehe

kalau ko join group aku, kalau ko ada "cita2" nak jadi HHCS, aku rasa cita2 ko tu takkan kesampaian, sbb leader dlm group aku ni jenis suka tiaw agent2 yg tak brapa perform nih... jadi nak elakkan malu sendiri, diorang kena gak perform... ahaks... satu jenis indirect motovation... :p

[anne_81]

korang cerita2 ni dah buat aku teruja nak jadi agent...
tapi tu la... aku ni slalu je HHCS... hehe

Tu yg anne tgh bincang juzz a lil bit more dgn cik Humaidi kita ni...bg sesape yg minat but still x clear lg,,..;)

[whomyd]

Tu yg anne tgh bincang juzz a lil bit more dgn cik Humaidi kita ni...bg sesape yg minat but still x clear lg,,..;)

nak clearer picture, dtg je esok... bkn nak paksa join pun... nak bukak minda je... :p

[flizzoe]

aku memang minat ni.. nanti korek tabung.. nak amek exam.. ataupun.. ada orang nak sponsor? anyone? sis naim? :D:D

[WanNo]

kalau ko join group aku, kalau ko ada "cita2" nak jadi HHCS, aku rasa cita2 ko tu takkan kesampaian, sbb leader dlm group aku ni jenis suka tiaw agent2 yg tak brapa perform nih... jadi nak elakkan malu sendiri, diorang kena gak perform... ahaks... satu jenis indirect motovation... :p

ekekek... leader ko melayu ke cina?

[anne_81]

tulah.. takde sape nak suruh or takde sape nak halang... pandai2 sendiri la... tapi sendiri kena ingat halal haram la... kalau ingat duit je, semua "halal" je... :o

Yup..tp rasanya diorang buat camtu after much deliberations kot..Tu lah senjata p'puan..tp dah di exploit ke jalan yg salah..
Teringat plak some horror stories drpd kengkawan yg jd agen credit card Citibank..Terpaksa kuar dating la hape la...sheesh...:D

[WanNo]

nak clearer picture, dtg je esok... bkn nak paksa join pun... nak bukak minda je... :p

mmg buat ari selasa je ke?

[JayBee]

Asalamualikum Bro... sorry mencelah...

First of all Bro.. congrats sebab menjadi antara orang melayu yg berjaya di dalam UT investment. Aku ada ramai kawan2 yg sampai sekarang masih terkapai-kapai nak dapat steady income mcm kau... Aku amat bangga sebab ada org Melayu yg menceburkan diri di dalam bidang nie... Memang bukan senang nak cari orang untuk invest pada masa sekarang nie...

Tolong betulkan kata-kata aku nie jika salah, sebab ianya adalah melalui pengetahuan aku:-

1. UNIT TRUST tidak menjamin modal yg kita laburkan, tidak seperti STRUCTURE PRODUCTS / STRUCTURED DEPOSIT.
2. Pulangannya juga ada bergantung kepada keadaan market dimana duit kita di laburkan.
3. Selalunya, kalau invest on long term basis baru kita nampak pulangan yg memberansangkan, not short term investment.

Tolong betulkan ayat aku bro jika silap. Tapi aku rasa better kau inform juga risiko2 investment dalam Unit Trust nie, bro... , sebab risiko mmg ada, walaupun tak lah mcm risiko investment dlm HYIP (sorry kalau dah post
sebelum nie, aku tak perasan)

Whatever it is, aku bangga dengan orang mcm kau yg dapat berjaya dalam masa yg singkat.. Once again, Congrats... :D:D:D

[whomyd]

aku memang minat ni.. nanti korek tabung.. nak amek exam.. ataupun.. ada orang nak sponsor? anyone? sis naim? :D:D

mintak le pinjam parents ko kejap... nanti sales dah power, bayar le balik... :D

dtg je dulu esok kat public mutual bangsar 8.30 mlm... dgr dulu... then decide ;)

[anne_81]

aku memang minat ni.. nanti korek tabung.. nak amek exam.. ataupun.. ada orang nak sponsor? anyone? sis naim? :D:D

Ooo..pasal exam to get qualified tu ke..??
Dont worry la..mesti pass punya..cecece..:D

[whomyd]

ekekek... leader ko melayu ke cina?

satu group kitorang ni semua melayu... mmg best ;)

[whomyd]

mmg buat ari selasa je ke?

our group meeting only on TUESDAYS... better datang time tu, aku tak sempat sgt nak jumpa sorang2 semata2 nak explain pasal nak jadi agent ni... dtg je time tu... mmg dah specially allocate utk new comers... save masa ;)

[whomyd]

Asalamualikum Bro... sorry mencelah...

First of all Bro.. congrats sebab menjadi antara orang melayu yg berjaya di dalam UT investment. Aku ada ramai kawan2 yg sampai sekarang masih terkapai-kapai nak dapat steady income mcm kau... Aku amat bangga sebab ada org Melayu yg menceburkan diri di dalam bidang nie... Memang bukan senang nak cari orang untuk invest pada masa sekarang nie...

Tolong betulkan kata-kata aku nie jika salah, sebab ianya adalah melalui pengetahuan aku:-

1. UNIT TRUST tidak menjamin modal yg kita laburkan, tidak seperti STRUCTURE PRODUCTS / STRUCTURED DEPOSIT.
2. Pulangannya juga ada bergantung kepada keadaan market dimana duit kita di laburkan.
3. Selalunya, kalau invest on long term basis baru kita nampak pulangan yg memberansangkan, not short term investment.

Tolong betulkan ayat aku bro jika silap. Tapi aku rasa better kau inform juga risiko2 investment dalam Unit Trust nie, bro... , sebab risiko mmg ada, walaupun tak lah mcm risiko investment dlm HYIP (sorry kalau dah post
sebelum nie, aku tak perasan)

Whatever it is, aku bangga dengan orang mcm kau yg dapat berjaya dalam masa yg singkat.. Once again, Congrats... :D:D:D

Thanks bro... appreciate that :D

jawapan :

1. UNIT TRUST tidak menjamin modal yg kita laburkan, tidak seperti STRUCTURE PRODUCTS / STRUCTURED DEPOSIT.
mmg benar UT x menjamin modal spt ASB... tu ialah antara salah satu risk dlm UT... tetapi UT (specifically PUBLIC MUTUAL) mmg memberi return yg lebih tinggi dr ASB utk medium to long term (based on market performance)... based on our clients portfolios, untung more than 15% per annum (malah lebih)... nak tgk fakta, come see me :)

2. Pulangannya juga ada bergantung kepada keadaan market dimana duit kita di laburkan.
ye betol ;)

3. Selalunya, kalau invest on long term basis baru kita nampak pulangan yg memberansangkan, not short term investment.
back to basic, mmg objective UT ialah medium to long term investment... however ada clients yg untung dah even x sampai stahun... once again, based on funds performance...

UT ni generally, moderate risk... with the right strategies, we can maximize our profits in UT... tapi dlm public mutual ni, majority funds performing very well... so if u invest n juz leave it, pun untung jugak... many of our fund awarded as the best in Malaysia... so invest la dalam fund2 yg dapat award terbaik tu.... ;)

[flizzoe]

Ooo..pasal exam to get qualified tu ke..??
Dont worry la..mesti pass punya..cecece..:D

Memang la leh pass (pergh.. confident jerk).. yang tak pass nyer.. fee exam tu :D:D

[whomyd]

Memang la leh pass (pergh.. confident jerk).. yang tak pass nyer.. fee exam tu :D:D

budak U mesti confirm pass punya... soalan ala2 SPM je... :D

[JayBee]

Thanks bro... appreciate that :D

jawapan :

1. UNIT TRUST tidak menjamin modal yg kita laburkan, tidak seperti STRUCTURE PRODUCTS / STRUCTURED DEPOSIT.
mmg benar UT x menjamin modal spt ASB... tu ialah antara salah satu risk dlm UT... tetapi UT (specifically PUBLIC MUTUAL) mmg memberi return yg lebih tinggi dr ASB utk medium to long term (based on market performance)... based on our clients portfolios, untung more than 15% per annum (malah lebih)... nak tgk fakta, come see me :)

2. Pulangannya juga ada bergantung kepada keadaan market dimana duit kita di laburkan.
ye betol ;)

3. Selalunya, kalau invest on long term basis baru kita nampak pulangan yg memberansangkan, not short term investment.
back to basic, mmg objective UT ialah medium to long term investment... however ada clients yg untung dah even x sampai stahun... once again, based on funds performance...

UT ni generally, moderate risk... with the right strategies, we can maximize our profits in UT... tapi dlm public mutual ni, majority funds performing very well... so if u invest n juz leave it, pun untung jugak... many of our fund awarded as the best in Malaysia... so invest la dalam fund2 yg dapat award terbaik tu.... ;)

Thanx for the info bro... Mmg berpengalaman Bro kita nie....
Sebenarnya memang aku tahu Public Mutual is among the best performing UT..
Kalau aku ada duit lebih, mmg aku join kau bro... tapi aku punya perancangan cuma short term jer ... hehehehe...

Anyway aku wish kau all the best.. semoga berjaya dalam hidup dan juga investment yg HALAL nie (majority of investment in UT adalah Syariah compliant)

Once again congrats bro sbb menjadi antara MELAYU yg berjaya dalam UT nie... Kepada kawan2 yg ada duit lebih n for long term... investlah di UT... :D:D

[anne_81]

Memang la leh pass (pergh.. confident jerk).. yang tak pass nyer.. fee exam tu :D:D

Berapa tu flizz? sis x perasan ada fee..ala..klau ada pun tutup mata je la..ala nanti you bleh double triple ur money la..:D;)
p/s easier said than done..

[whomyd]

Thanx for the info bro... Mmg berpengalaman Bro kita nie....
Sebenarnya memang aku tahu Public Mutual is among the best performing UT..
Kalau aku ada duit lebih, mmg aku join kau bro... tapi aku punya perancangan cuma short term jer ... hehehehe...

Anyway aku wish kau all the best.. semoga berjaya dalam hidup dan juga investment yg HALAL nie (majority of investment in UT adalah Syariah compliant)

Once again congrats bro sbb menjadi antara MELAYU yg berjaya dalam UT nie... Kepada kawan2 yg ada duit lebih n for long term... investlah di UT... :D:D

thanks again bro... appreciate that ;)

[whomyd]

Berapa tu flizz? sis x perasan ada fee..ala..klau ada pun tutup mata je la..ala nanti you bleh double triple ur money la..:D;)
p/s easier said than done..

exam fees juz RM247 je! :D

[anne_81]

Thanx for the info bro... Mmg berpengalaman Bro kita nie....
Sebenarnya memang aku tahu Public Mutual is among the best performing UT..
Once again congrats bro sbb menjadi antara MELAYU yg berjaya dalam UT nie... Kepada kawan2 yg ada duit lebih n for long term... investlah di UT... :D:D

Promote ekk..takper free publicity...
Interested dgn Ittikal..tp dh oversubscribe...:confused:

[whomyd]

Promote ekk..takper free publicity...
Interested dgn Ittikal..tp dh oversubscribe...:confused:

best choice after ITTIKAL ialah PUBLIC ISLAMIC EQUITY FUND... beza 1% - 2% je ngan ITTIKAL... tak byk ;)

jadi agent, then u invest dgn diri u sendiri... dpt komisyen lagik :D

[JayBee]

Promote ekk..takper free publicity...
Interested dgn Ittikal..tp dh oversubscribe...:confused:

hehehe.. tolong promote untuk Bro Whomyd.... tolong kawan2...
aku sendiri pun modal ciput jer... kalau invest lambat kaya...hehehe...

kita kena saling bantu membantu, jangan ada hasad dengki mendengki... kalau jatuh, kita tolong supaya bangun semula dan bukannya bagi maki seranah...

p/s aku pun ada knowledge pasal UT nie, tapi sikit2 jer... sebab aku not directly involve... :D:D:D

[whomyd]

Promote ekk..takper free publicity...
Interested dgn Ittikal..tp dh oversubscribe...:confused:

best choice after ITTIKAL ialah PUBLIC ISLAMIC EQUITY FUND... beza 1% - 2% je ngan ITTIKAL... ;)

u jadi agent, then u invest dgn diri u sendiri... dpt komisyen lagik :D

[anne_81]

best choice after ITTIKAL ialah PUBLIC ISLAMIC EQUITY FUND... beza 1% - 2% je ngan ITTIKAL... tak byk ;)

jadi agent, then u invest dgn diri u sendiri... dpt komisyen lagik :D

Oh yeke..klau camni kena datang la..nk dptkan overview..sbab still in the dark lg nih..need some lightning strikes..hehe
Maybe not tomorrow, but tuesday next week...
Ada sesape nak join sis tak??:confused:

[flizzoe]

i takleh join in this month.. maybe next month.. tengok la camne :):) tengok bajet :D:D

[whomyd]

Oh yeke..klau camni kena datang la..nk dptkan overview..sbab still in the dark lg nih..need some lightning strikes..hehe
Maybe not tomorrow, but tuesday next week...
Ada sesape nak join sis tak??:confused:

takpe, i temankan u :D

[anne_81]

takpe, i temankan u :D

Ok, boleh jer..:D

[whomyd]

okey dah dkt pukul 12 dah ni... nak tido dulu... ngantoks... esok ada kejeee.. nittteee :D

[elmyda]

amboi amboi... apa korang buat nih.. skandal ka?

[whomyd]

amboi amboi... apa korang buat nih.. skandal ka?

nak join ke elmyda? meh leeee kita scandal2 sambil cari duit... :p

eh tadi aku kate nak tido... :p

[poyo]

Ingat nk pi esok, tapi lewat petang kena pi polish + wax keta kwn kat Subang, kalau pi pun, mesti dgn baju yg berbau peluh dgn muka berminyak. Maybe next week kot, no obligation right? Maybe we can "bump" into each other luv?

In the other hand, I might not be concentrating on whatever our pal have to say, for I might be concentrating too much on you, luv. :)

Oh yeke..klau camni kena datang la..nk dptkan overview..sbab still in the dark lg nih..need some lightning strikes..hehe
Maybe not tomorrow, but tuesday next week...
Ada sesape nak join sis tak??:confused:

[anne_81]

Ingat nk pi esok, tapi lewat petang kena pi polish + wax keta kwn kat Subang, kalau pi pun, mesti dgn baju yg berbau peluh dgn muka berminyak. Maybe next week kot, no obligation right? Maybe we can "bump" into each other luv?

In the other hand, I might not be concentrating on whatever our pal have to say, for I might be concentrating too much on you, luv. :)

Really.?.after all we are destined to meet each other..although maybe I come with my abang..
Dont concentrate too much on me la dear...someone kena get caught pulak..:D

[martial]

Really.?.after all we are destined to meet each other..although maybe I come with my abang..
Dont concentrate too much on me la dear...someone kena get caught pulak..:D

adeh.melelepass

[anne_81]

adeh.melelepass

Apa yg melelepass nih?:p

[goldvalley]

Apa yg melelepass nih?:p

melepas co2 ker?
nikmat gak tu...hehe

[martial]

Apa yg melelepass nih?:p

abg ada dah laa..x leh jd abg no 2 dahh..kakaka :D

[anne_81]

abg ada dah laa..x leh jd abg no 2 dahh..kakaka :D

Takper boleh jadi pemain simpanan..:D

[entahler]

bro,

baguslah kau rajin update kat nogold ni... aku doakan kau dapat ramai anak buah dari nogold ni...

walaupun kita lain branch n lain group... aku doakan kau berjaya.. sebab kita dari company yang sama...

aku baru je 4 hari ni datang balik ke Nogold.. sebab busy lately.. dgn public mutual..

alhamdulillah.. skrg ni kesedaran orang kita dah makin tinggi terhadap benefit of investing in UT.

so bro... semoga maju jaya....

mana tau nanti ada masa..kita boleh meet up n share our experience...

[zaberi]

bro,

baguslah kau rajin update kat nogold ni... aku doakan kau dapat ramai anak buah dari nogold ni...

walaupun kita lain branch n lain group... aku doakan kau berjaya.. sebab kita dari company yang sama...

aku baru je 4 hari ni datang balik ke Nogold.. sebab busy lately.. dgn public mutual..

alhamdulillah.. skrg ni kesedaran orang kita dah makin tinggi terhadap benefit of investing in UT.

so bro... semoga maju jaya....

mana tau nanti ada masa..kita boleh meet up n share our experience...

wan, ko jangan lupa ahad esok nih. bulu kawin. aku balik g kenduri dia kt pt.tegak.:)

[miskhi]

Kalau aku nak join krang jadik agen ble ker ??

Ape syarat yg perlu ade ??

Kalau body aku rasa aku lepas :D:D

[whomyd]

Kalau aku nak join krang jadik agen ble ker ??

Ape syarat yg perlu ade ??

Kalau body aku rasa aku lepas :D:D

bang, ko selak le beberapa page sblm ni... aku dah explain syarat2 utk jadi agent... basically, syaratnya, umur ko mesti 21 thn ke atas, min kelayakan SPM, bleh bcakap dlm BM ataupun BI (tak wajib tere speaking BI) :)

fees yg dikenakan utk jadi agent ialah RM247 je seumur hidup... tu utk seat exam utk dptkan lesen sah menjadi agent...

berminat, sms me 012 368 2489 ;)

[whomyd]

bro,

baguslah kau rajin update kat nogold ni... aku doakan kau dapat ramai anak buah dari nogold ni...

walaupun kita lain branch n lain group... aku doakan kau berjaya.. sebab kita dari company yang sama...

aku baru je 4 hari ni datang balik ke Nogold.. sebab busy lately.. dgn public mutual..

alhamdulillah.. skrg ni kesedaran orang kita dah makin tinggi terhadap benefit of investing in UT.

so bro... semoga maju jaya....

mana tau nanti ada masa..kita boleh meet up n share our experience...

thanks bro... sesaje je aku bukak thread ni nak share experience... suka duka jadi UT consultant... disamping memberi pendedahan kpd nogold members mengenai career sbg UT consultant... maybe ada yg berminat nak jadi agent mcm kita one day :D

kesedaran orang skarang mmg dah tinggi in investing in UT... kebanyakan clients yg aku jumpa dah tau basic2 UT ni... cuma explain on our company's part je... public mutual achievements mmg outstanding... open ur mouth n tell everybody! go out n share... :D

mesti sales ko gempak gile kan... sampai bz tak sempat nak online tu... dah brape lame ko ngan public mutual ni bro? :)

[whomyd]

sesape yg berminat nak dgr short briefing utk menjadi agent UT bersama PUBLIC MUTUAL, sila datang :

pada : HARINI! EVERY TUESDAYS
venue : PUBLIC MUTUAL BANGSAR (blakang Dataran Maybank Bangsar)
time : 8.30 mlm

SILA SMS AKU JIKA NAK DTG... TQ :D

[whomyd]

KLCI harini...

http://bursa.n2nconnect.com/img/JAChart/KLCIChart.png

[whomyd]

meeting group (start pukul 6.30ptg) aku ptg ni akan membincangkan :

1. Fund analysis base on Public Mutual and competitors performance
2. Market Outlook in June - December, from past performance in 2004, 2005 and 2006
3. Magic Word or "Ayat Power" before, during and after Presentation in order to convince 100% potential Investors

then utk new comers, briefing korang 8.30mlm....

sesape berminat nak dgr sbg ilmu tu datang la.... ;)

[whomyd]

Ingat nk pi esok, tapi lewat petang kena pi polish + wax keta kwn kat Subang, kalau pi pun, mesti dgn baju yg berbau peluh dgn muka berminyak. Maybe next week kot, no obligation right? Maybe we can "bump" into each other luv?

In the other hand, I might not be concentrating on whatever our pal have to say, for I might be concentrating too much on you, luv. :)

datang je la... sini bukan ada CEO ke boss ke GM ke Dato ke... kitorang semua sempoi2 je... jgn ko dtg tak pakai apa2 sudah le...

sms aku b4 dtg k... if jadi datang le ;)

[flizzoe]

since thread ni pasal kisah benar.. kau pernah kena maki/marah dengan potential investor(s)? :D:D:rolleyes::rolleyes:

[whomyd]

since thread ni pasal kisah benar.. kau pernah kena maki/marah dengan potential investor(s)? :D:D:rolleyes::rolleyes:

penah la bro... tapi slalu yg kena marah tu dalam tepon je, masa aku call diorang nak set appointment... basically sbb diorang penah rugi invest dlm UT dgn UT companies lain... aku pulak tmpt dia lepas geram since aku pun nak citer UT jugak... :o

last2 bile jumpe, baik la pulak... heheheh... biasalah tu, tak kenal maka tak cinta :D

[flizzoe]

penah ada affair dengan client.. cakap out of topic (UT)? *wink wink*

p/s: hehehe.. mari korek kisah benar!! :D:D

[whomyd]

penah ada affair dengan client.. cakap out of topic (UT)? *wink wink*

p/s: hehehe.. mari korek kisah benar!! :D:D

clients aku 98% lelaki... lagi 2% tu ialah pompuan stok2 makcik2... kalau ada client awek muda cun kaya tu, ehem2... taktaulah nak ckp.... :p:p

tapi kita kena la be as professional as we can... kalau ada sifat nakal yg sebati dalam diri tu, pandai2 la kontrol... takut nanti merosakkan reputasi kita dlm bidang ni... hilang bisnes oo... :o

[whomyd]

okey nanti sambung balik... nak kluar jumpa clients... jalan2 cari duit :D

[Kasyidi]

jap.. off topic:
cuba tengok avatar whomyd dan Kasyidi.. korang sedara ke? :confused::eek::rolleyes::D

yer.. sedara.. saudara se agama... hehehe:)

[Kasyidi]

sedara seIslam la... tapi aku lagi hensem skit... kekekeke :D:D:p

atas dasar manusia... semua hensem & cantik bro... hehehe

[anne_81]

atas dasar manusia... semua hensem & cantik bro... hehehe

sama hensem..sama padan..senyum pun nk dekat2 sama..:D

[whomyd]

atas dasar manusia... semua hensem & cantik bro... hehehe

ehehe bang... jgn le serious sgt... melawak je tu... :p:D

[sNarFy]

pehh thread unit trust.. wakakakkakakaa

Aku seorang consultant unit trust public mutual yang pemalas lagi hensem... bwahahhahaa..

[whomyd]

pehh thread unit trust.. wakakakkakakaa

Aku seorang consultant unit trust public mutual yang pemalas lagi hensem... bwahahhahaa..

ko group n branch mane snarfy? :D

[JiraiyaSama]

ehehe bang... jgn le serious sgt... melawak je tu... :p:D

wakakakakkakaka:D:D:D...apa pasal ko panggil die abang??awek comel lote ni...

[JiraiyaSama]

eh silap..aku igt ko reply naim tu..

[whomyd]

wakakakakkakaka:D:D:D...apa pasal ko panggil die abang??awek comel lote ni...

tu avatar dia tu kan ke muka laki tu... :confused:

[whomyd]

eh silap..aku igt ko reply naim tu..

hehehe... aku menunggu si auntie naim ni dtg public mutual je ni... :p

[JiraiyaSama]

eh silap..aku igt ko reply si naim tu..

[sNarFy]

ko group n branch mane snarfy? :D

Bangsar, S.Ramachandran.. Mutual Investmart punya budak... disebabkan kemalasan aku, dia sudah call aku sekarang nih... hadeh..

[whomyd]

Bangsar, S.Ramachandran.. Mutual Investmart punya budak... disebabkan kemalasan aku, dia sudah call aku sekarang nih... hadeh..

aku group bangsar jugak... group Univest under Shaari Anuar... hehehe branch sama la kita... group ko mesti ramai india ngan cina ni... sbb tu ko malas kot... :p

[anne_81]

hehehe... aku menunggu si auntie naim ni dtg public mutual je ni... :p

ni apa ni auntie, auntie ni..there goes my stock here in NG..cett:D

[sNarFy]

aku group bangsar jugak... group Univest under Shaari Anuar... hehehe branch sama la kita... group ko mesti ramai india ngan cina ni... sbb tu ko malas kot... :p

group aku ada 3 kepala besar.. 1 melayu, 1 india, 1 cina.. sama sama ramai... aku malas sebab letih nak bercerita pasal unit trust... wakakkaa...

ohh dgn tade chix cun dlm group aku.. wkakakakkaa

[whomyd]

ohh dgn tade chix cun dlm group aku.. wkakakakkaa

patutla ko malas... :p

[whomyd]

ni apa ni auntie, auntie ni..there goes my stock here in NG..cett:D

kalau bukan auntie... abistu ape? :p

[anne_81]

kalau bukan auntie... abistu ape? :p

miss la..single lg ni..:p
Nak tanya skit..What is the difference between PB unit trusts and Public unit trusts? Both are by Public Mutual but agents of PB cannot sell Public funds and vice versa.:D

[azmie007]

miss la..single lg ni..:p
Nak tanya skit..What is the difference between PB unit trusts and Public unit trusts? Both are by Public Mutual but agents of PB cannot sell Public funds and vice versa.:D

hi miss Naim...........manisnya.......

[whomyd]

miss la..single lg ni..:p
Nak tanya skit..What is the difference between PB unit trusts and Public unit trusts? Both are by Public Mutual but agents of PB cannot sell Public funds and vice versa.:D

PB funds series
hanya staff PUBLIC BANK shj yg bleh jual... funds ni utk clients yg walk in ke dalam bank nak invest tanpa melalui agents...

if ada agents yg gi promote PB funds series ni, tak dapat komisyen la korang... buat kebajikan je... :p

PUBLIC fund series
PUBLIC MUTUAL nyer funds... distributed by agents aka unit trust consultants...

ke 2 2 jenis series of funds ni, di manage oleh PUBLIC MUTUAL... ;)

[poyo]

Ok Cheri, message understood.

Anyway maybe now it's time for me to pick up the pace a little bit, maybe I should give this UT stuff a try. Well, I do want to own a nice semiD house at Shah Alam, a nice Honda Stream, and a S2K for weekend topless driving fun. And yeah, to buy myself a Duck again. God how I miss scraping my knees over at old Genting route and SIC...

Really.?.after all we are destined to meet each other..although maybe I come with my abang..
Dont concentrate too much on me la dear...someone kena get caught pulak..:D

[poyo]

Maaf bro, ptg ni takleh. Ada satu lagi keta mau buat polish around my pal's home gak immediately after I'm done with his. But Insyallah, nest week sy smp. Rasa dah smp masa untuk meningkatkan income, myself and my standard of living.

datang je la... sini bukan ada CEO ke boss ke GM ke Dato ke... kitorang semua sempoi2 je... jgn ko dtg tak pakai apa2 sudah le...

sms aku b4 dtg k... if jadi datang le ;)

[whomyd]

Ok Cheri, message understood.

Anyway maybe now it's time for me to pick up the pace a little bit, maybe I should give this UT stuff a try. Well, I do want to own a nice semiD house at Shah Alam, a nice Honda Stream, and a S2K for weekend topless driving fun. And yeah, to buy myself a Duck again. God how I miss scraping my knees over at old Genting route and SIC...

aku tingin nak beli Honda Civic baru tu... ngancam if mugen fully kitted... tunggu la 2 bulan lagi... muahahaaha :D

[whomyd]

Maaf bro, ptg ni takleh. Ada satu lagi keta mau buat polish around my pal's home gak immediately after I'm done with his. But Insyallah, nest week sy smp. Rasa dah smp masa untuk meningkatkan income, myself and my standard of living.

no problem... setelkan hal ko dulu, then bebila pun ko bleh dtg bro :D

[anne_81]

Maaf bro, ptg ni takleh. Ada satu lagi keta mau buat polish around my pal's home gak immediately after I'm done with his. But Insyallah, nest week sy smp. Rasa dah smp masa untuk meningkatkan income, myself and my standard of living.

Maknanya u kena pegi next week la tu..hint hint wink wink :D

[azmie007]

POYO...kereta kalau calar balar boleh kasi hilang ker tanpa menjejaskan cat kereta.

[whomyd]

POYO...kereta kalau calar balar boleh kasi hilang ker tanpa menjejaskan cat kereta.

calar tu pun dah jejaskan cat keter... ko pegi spray baru je la... :p:D

[azmie007]

calar tu pun dah jejaskan cat keter... ko pegi spray baru je la... :p:D

hehehe...spray yg mahal tu....kalau buat sikit2 tak apa, ini calar sikit kat pintu kena cat satu pintu lak....

[whomyd]

hehehe...spray yg mahal tu....kalau buat sikit2 tak apa, ini calar sikit kat pintu kena cat satu pintu lak....

aku tensen keter aku ni ada lekuk kat pintu blakang... ada la budak mana jenis tak reti tgk tepi, bukak pintu keter dia kuat2, kene pintu keter aku... abis berlekuk... tensen2... :mad:

kan best kalau bleh hilangkan lekuk tu ngan polish je... merepek la aku ni... :p

[anne_81]

Nak tanya psal exam tu..soalan dia ada 300 questions, kan..??:confused:
A friend of mine had sent me kertas soalan dia..jeng jeng jeng..:D

[whomyd]

Nak tanya psal exam tu..soalan dia ada 300 questions, kan..??:confused:
A friend of mine had sent me kertas soalan dia..jeng jeng jeng..:D

tu sample soalan je kot...

i pun dah lama amik exam tu... tak ingat dah brapa soalan dia... ada 80 soalan je kot... gile ape sampai 300 soalan... kincit la :D:D

[poyo]

Civic FD? Beli yang 2.0 litre best skit. Or tgk la, kalau Honda Malaysia jadi bawka masuk Honda Civic Type R JDM tu ( tgh hot kat Singapore skrg! ), could be around RM180-220k gitu2.Atau tunggu new Accord, and new Honda Stream RSZ, cun tk ingat.

aku tingin nak beli Honda Civic baru tu... ngancam if mugen fully kitted... tunggu la 2 bulan lagi... muahahaaha :D

Insyallah next week.

no problem... setelkan hal ko dulu, then bebila pun ko bleh dtg bro :D

Hint hint too, Cherie!

Maknanya u kena pegi next week la tu..hint hint wink wink :D

Claar, tkg kondisi calar. Kalau smp nampak kaler putih, susah la. Kalau blm smp kena basecoat, bisa diatur!

POYO...kereta kalau calar balar boleh kasi hilang ker tanpa menjejaskan cat kereta.

Wooh, 300? Can't be THAT much!

Nak tanya psal exam tu..soalan dia ada 300 questions, kan..??:confused:
A friend of mine had sent me kertas soalan dia..jeng jeng jeng..:D

80 is much better. Ye la, 300, kalau soalan kat U tu.

tu sample soalan je kot...

i pun dah lama amik exam tu... tak ingat dah brapa soalan dia... ada 80 soalan je kot... gile ape sampai 300 soalan... kincit la :D:D

[anne_81]

Sample je kot..tp cek soalan dia mcm susah je..
Dah la tak tau pe pun ni psal UT ni..basic tu tau..close-ended fund la, open-ended fund la...mende smua tu??:D:confused:

[anne_81]

Switching fee tu apa??:confused:

p/s sori sbab i cerewets skit..

[poyo]

Switching : ubah, tukar, change. Fee : upah, cost. Maybe when you switch from maybe Bond to foreign exchange, for example? I'm not too sure, maybe cost of switching from one bond to another kot?

Switching fee tu apa??:confused:

p/s sori sbab i cerewets skit..

[whomyd]

Civic FD? Beli yang 2.0 litre best skit. Or tgk la, kalau Honda Malaysia jadi bawka masuk Honda Civic Type R JDM tu ( tgh hot kat Singapore skrg! ), could be around RM180-220k gitu2.Atau tunggu new Accord, and new Honda Stream RSZ, cun tk ingat.

mmg le aku nak angkat civic baru 2.0 tu... steering dia pehh cun... skarang rim pun dah besar.. baru rm128k je... bleh la lepas loan.. ahaks... :D

type-r JDM nyer aku rasa jgn haraple honda malaysia nak bawak masuk... ko kene import sendiri la nampaknya....

fuh, stream baru tu mmg ngancam... ala2 lil bro odyssey tapi lagi garang... slurpss... :D

[whomyd]

Sample je kot..tp cek soalan dia mcm susah je..
Dah la tak tau pe pun ni psal UT ni..basic tu tau..close-ended fund la, open-ended fund la...mende smua tu??:D:confused:

sblm exam, dia bagi kelas satu hari dan diorang akan ajar semua benda yg akan ditanya dlm exam tu... benda2 yg basic2 je... ;)

[whomyd]

Switching fee tu apa??:confused:

p/s sori sbab i cerewets skit..

switching ni ialah kita tukar investment kita dari satu fund ke satu fund yg lain atas sbb2 tertentu ie equity tgh menjunam etc... takmo elaborate lelebey nanti pening...

stiap kali switching tu, akan dikenakan fees...

[whomyd]

Switching : ubah, tukar, change. Fee : upah, cost. Maybe when you switch from maybe Bond to foreign exchange, for example? I'm not too sure, maybe cost of switching from one bond to another kot?

slalunya orang buat switching dari bond to equity, or equity to bond... bagus2 ko dah ada sdikit exposure mengenai UT ni... sure fast learner ni nanti :D

[Kasyidi]

miss la..single lg ni..:p
Nak tanya skit..What is the difference between PB unit trusts and Public unit trusts? Both are by Public Mutual but agents of PB cannot sell Public funds and vice versa.:D

huhu.. miss tu... :)

[poyo]

Skrg Honda Malaysia is in hot talks with Honda Japan on bringing in JDM Type R 4 door tu. Insyallah. Anyway if you want any Hondas, even the NSX Type R, you can ask Honda Malaysia to bring one for you, but be prepared to pay for the AP and the car must be paid in full before the car leaves from Japan.

New Stream is coming in anytime soon. Tapi tak sure whether Type RSZ, HM akan bawak masuk ke tidak.

Aiseh, business masyuk takkan nak loan jugak kot...tak mau nama naik BNM ke? Hehehe...tapi mesti hang taruk d/p kaw2 yek? 50k d/p ke, or 80k d/p? :)

mmg le aku nak angkat civic baru 2.0 tu... steering dia pehh cun... skarang rim pun dah besar.. baru rm128k j