Friday, 29 January 2016

AmIslamic Growth Fund

Latest Research/Reports/Information

  • Coming soon


Fund Plus Points
  • 29 Jan 16 : Ranked 2nd for 5 Yr Annualised Return for Category Equity - Malaysia Large-cap (Syariah) as of 31st Dec 2015
  • 29 Jan 16 : Ranked 3rd for 3 Yr Annualised Return for Category Equity - Malaysia Large-cap (Syariah) as of 31st Dec 2015
  • 29 Jan 16 : Ranked 4th for 10 Yr Annualised Return for Category Equity - Malaysia Large-cap (Syariah) as of 31st Dec 2015

Fund Information

Asset Class: Equity Islamic
Fund Type: Growth
Geography: Malaysia
Sector:
Inception Date: 09/10/2004
Inception Price: RM 0.1887
Fund Currency: RM
Latest Fund Size (MIL): RM 19.21 @ Nov 30 2015
Online Tradeable: Yes

Fund Investment Strategy
Investment Objective :
AmIslamic Growth aims to provide long-termcapital growth mainly through investments in securities with superior growth potential, which conforms to Principles of Shariah.

As such, income will be incidental to the overall capital growth objective and a substantial portion of the income from investments will be reinvested, rather than distributed.
Investment Policy :  
Up to 95% of its NAV in equities that conform to
Principles of Shariah.

Benchmark :
FTSE Bursa Malaysia EMAS Syariah Index

Charges and Fees
List of charges and fees as listed below:

Fund Performance
Annual Returns
  • 2015 :   +8.70%
  • 2014 :   - 3.98%
  • 2013 : +24.54%
  • 2012 : +12.28%
  • 2011 : +  5.95%
  • 2010 : +19.30%
  • 2009 : +30.46%
  • 2008 :  -34.29%

Awards & Credentials
Morningstar Fund Rating
  • 4 STAR as of 31 Dec 2015
Lipper Fund Awards
  • None
Morningstar Awards
  • None

Download Fund Factsheet/Annual Report/Interim Report


***************************************
Invest "AmIslamic Growth Fund" at only
2% Sales Charge through eUnittrust



Still not sure how to? 
Ask Invest Made Easy at shanesee03@gmail.com

***************************************
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PMB Shariah Dividend Fund

Latest Research/Reports/Information
  • Coming soon
Fund Plus Points
  • 29 Jan 16 : Ranked 1st for 1Yr Return under Category Equity - Malaysia Large-cap (Syariah) as of 31 Dec 2015
Fund Information

Asset Class: Equity
Fund Type: Income
Geography: Malaysia
Sector: Dividend Stocks
Inception Date: 21/07/2008
Inception Price: --
Fund Currency: RM
Latest Fund Size (MIL): RM 5.57 @ Nov 30 2015
Online Tradeable: Yes

Fund Investment Strategy
Investment Objective :
This Fund seeks to provide investors with an opportunity to gain consistent and stable income stream that is potentially higher than average fixed deposits rate.

Investment Policy :
The Fund shall invest primarily in a diversified portfolio of Shariah-compliant equities that offer or have the potential to offer attractive dividend yields. The Fund may also invest in Islamic fixed income securities with good credit qualities and impressive yield enhancement opportunities to generate additional returns.

The Fund shall invest between 65% - 95% of its NAV in Syariah-Compliant equities and equity-related securities.

The Fund's NAV that is not invested in equities and equity-related securities will be invested in Islamic fixed income securities, islamic money market instruments as well as cash and liquid assets.

Benchmark :
FTSE Bursa EMAS Shariah Index

Charges and Fees
List of charges and fees as listed below:

Fund Performance
Annual Returns
  • 2015 : +16.21%
  • 2014 : +  0.86%
  • 2013 : +  6.22%
  • 2012 : +  5.21%
  • 2011 : +  1.16%
  • 2010 : +16.48%
  • 2009 : +23.01%

Awards & Credentials
Morningstar Fund Rating
  • 3 STAR (31 Dec 2015)
Lipper Fund Awards
  • None
Morningstar Awards
  • None

Download Fund Factsheet/Annual Report/Interim Report


***************************************
Invest "PMB Shariah Dividend Fund" at only
2% Sales Charge through eUnittrust



Still not sure how to? 
Ask Invest Made Easy at shanesee03@gmail.com

***************************************
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RHB Dana Islam

Latest Research/Reports/Information
  • Coming soon

Fund Plus Points
  • 29 Jan 16 : Ranked 3 for 1 Year Return under Category Equity Malaysia Mid/Small-cap (Syariah) as of 31st Dec 2015.

Fund Information
Asset Class: Equity
Fund Type: Growth
Geography: Malaysia
Sector:
Inception Date: 26/10/2001
Inception Price: --
Fund Currency: RM
Latest Fund Size (MIL): RM 6.17 @ Nov 30 2015
Online Tradeable: Yes

Fund Investment Strategy
Investment Objective :
This Fund aims to provide investors with above average capital growth over a medium to long term period by investing in a carefully selected portfolio of stocks which complies with the Shariah Principles.

Investment Policy :
90% -98% of Net Asset Value
- Investment in securities that comply with Shariah requirements.

2% - 10% of Net Asset Value
- Investment in liquid assets including Sukuk, Islamic money market instruments and Shariah-based deposits with licensed financial institutions.

The above asset allocation is only indicative and will be reviewed from time to time depending on economic and market conditions.

Benchmark :
FTSE Bursa Malaysia EMAS Shariah Index

Charges and Fees
List of charges and fees as listed below:

Fund Performance
Annual Returns
  • 2015 : +25.01%
  • 2014 : - 14.38%
  • 2013 : +25.95%
  • 2012 : +12.10%
  • 2011 : +  2.98%
  • 2010 : +16.97%
  • 2009 : +22.57%
  • 2008 :  -31.95%

Awards & Credentials
Morningstar Fund Rating
  • 3 STAR (31 Dec 2015)
Lipper Fund Awards
  • None
Morningstar Awards
  • None

Download Fund Factsheet/Annual Report/Interim Report


***************************************
Invest "RHB Dana Islam Fund" at only
2% Sales Charge through eUnittrust



Still not sure how to? 
Ask Invest Made Easy at shanesee03@gmail.com

***************************************
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RHB Small Cap Opportunity Unit Trust Fund

Latest Research/Reports/Information
  • Coming soon

Fund Plus Points
  • 29 January 16 : Ranked 3rd for 5Yr Annualized Returns under Category Equity Malaysia Mid/Small-cap as of 31 Dec 2015

Fund Information

Asset Class: Equity
Fund Type: Growth
Geography: Malaysia
Sector: Small Capitalised Stocks
Inception Date: 20/04/1998
Inception Price: --
Fund Currency: RM
Latest Fund Size (MIL): RM 66.73 @ Nov 30 2015
Online Tradeable: Yes

Fund Investment Strategy
Investment Objective :
This Fund aims to achieve long term capital appreciation through investments in companies with market capitalisation of not more than RM750 million.

Investment Policy :
95% - 98% of Net Asset Value
- Investments in securities of companies with market capitalisation of not more than RM750 million.

2% - 5% of Net Asset Value
- Investments in liquid assets including bonds, money market instruments and deposits with licensed financial institutions.

Benchmark :
Kuala Lumpur Second Board Index

Charges and Fees
List of charges and fees as listed below:

Fund Performance
Annual Returns
  • 2015 : +25.39%
  • 2014 : +  9.27%
  • 2013 : +32.48%
  • 2012 : +18.35%
  • 2011 :  -  0.02%
  • 2010 : +  9.07%
  • 2009 : +12.56%
  • 2008 :  -36.79%

Awards & Credentials
Morningstar Fund Rating
  • 4 STAR (31 Dec 2015)
Lipper Fund Awards
  • None
Morningstar Awards
  • None

Download Fund Factsheet/Annual Report/Interim Report


***************************************
Invest "RHB Small Cap Opportunity 
Unit Trust Fund" at only
2% Sales Charge through eUnittrust



Still not sure how to? 
Ask Invest Made Easy at shanesee03@gmail.com

***************************************
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KAF Vision Fund

Latest Research/Reports/Information
  • Coming soon

Fund Plus Points
  • 29 January 2016 : Ranked 2nd for 3Yr Annualized Returns under Category Equity Malaysia
    Mid/Small Cap as of 31 Dec 2015

Fund Information

Asset Class: Equity
Fund Type: Growth
Geography: Malaysia
Sector: Small Capitalised Stocks
Inception Date: 01/03/2000
Inception Price: --
Fund Currency: RM
Latest Fund Size (MIL): RM 56.614 @ Nov 30 2015
Online Tradeable: Yes

Fund Investment Strategy
Investment Objective :
The Alliance Vision Fund is a growth fund. which invest a large portion of the Fund's asset in stocks with market capitalisation of not exceeding RM1 billion. This is because small-cap companies have the opportunities to provide higher capital appreciation as well as grow at a faster rate but on the other hand, the share prices of such companies tend to be more volatile and hence involved a higher risk.

The Fund's investment objective is to provide Unitholders with medium to longterm capital growth.

Investment Policy :
The strategic limit on asset allocation of the Fund is as follows;

Equities - Minimum 60% & Maximum 95%

> Maximum 65% of the Fund's NAV will be invested in smaller capitalised companies with market capitalisation not exceeding RM1billion at the time of purchase.

> Maximum 30% of the Fund's NAV will be invested in larger capitalised companies with market capitalisation exceeding RM1billion at the time of purchase.

Fixed Income Securities & Liquid Assets = Minimum 5% & Maximum 40%

Benchmark :
FTSE Bursa Malaysia EMAS Index

Charges and Fees
List of charges and fees as listed below:

Fund Performance
Annual Returns
  • 2015 : +34.83%
  • 2014 : +  6.55%
  • 2013 : +35.60%
  • 2012 : +13.43%
  • 2011 :  -  3.52%
  • 2010 : +25.29%
  • 2009 : +39.19%
  • 2008 :  -43.82%

Awards & Credentials
Morningstar Fund Rating
  • 5 STAR (31 Dec 2015)
Lipper Fund Awards
  • None
Morningstar Awards
  • None

Download Fund Factsheet/Annual Report/Interim Report


***************************************
Invest "KAF Vision Fund" at only
2% Sales Charge through eUnittrust



Still not sure how to? 
Ask Invest Made Easy at shanesee03@gmail.com

***************************************
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Monday, 25 January 2016

5 Financial and Investing Quick Wins to Kick Start Your 2016

Quick Win 1 :  Start a separate savings or current account for investment only
Open a saving or current account that is separate from your salary or income receiving account. Use this newly created account then be used for all your investment transactions such as creating fixed deposit transactions, making payment for investment made on stocks or unit trust, receiving account for any cash redemption upon exiting an investment, receiving dividend from your unit trust or stock investments, auto debit of monthly savings plan, etc. Having a separate account will definitely helps when you want to track all your investment related activities.

Pay yourself first!
Quick Win 2 : Start paying yourself
Whenever you receive your monthly salary or any form of income, the first thing you should to do is to pay yourself. By that I am referring to putting aside a fixed amount for your future self. The basic guideline is to set aside 30% of your net income. However if you can't afford with 30%, start with 5% and slowly build up that percentage. What matters most is for you to develop the habit of paying yourself. Oh by the way, remember that newly created separate account from Quick Win 1? You can use that as a receiving account whenever you pay yourself.

Quick Win 3 : Start your self education on financial and investing
Many of us tend to procrastinate when it comes to learning about investing. Here's a quick win that you can do. Select a topic that you wish to know more about, say you wish to know more about Unit Trust. Go to Google and search the term "What is Unit Trust?" and read the first article from the search result. Note down the terms in that article that you do not understand. The next day, repeat by Googling a term from the list that you've made. Once again read the first article that comes up. Move on to other terms the following day while continuing to add to your list new terms that you do not understand. The point is to read up only one article per day and understand all the terms related to the topic which you first selected.

Grill your consultant
Quick Win 4 : Start demanding for your rights
This Quick Win only apply to those that invest unit trust through an Unit Trust Consultant. The purpose of this session is to get engage your consultant at least once every 3 months,. Questions that you may ask during the session:
1. Are my investments doing well? What are the returns so far?
2. Which fund is not performing well and why is it so?
3. Why do you recommend this fund? Is there a better performing fund?
4. Why do you select these funds for my portfolio?
5. How can I get more value added services from you?

You need not fully understand what your consultant is explaining. However from that session you will be able to gauge his or her preparedness, confidence level as well as the capability from the way he or she responds to each question that you pose. In addition such sessions will keep your consultant on his/her toes, ensure your investments are monitored plus you also get more value from the service charge that he or she is charging you.

Quick Win 5 : Start by taking action
I'm pretty sure you've read loads of articles on quick wins and how to's. However, none will work if all you do is just read, read and read. This 2016, I want you to execute the best quick win of all, that is to start taking action for yourself! No more procrastination, no more excuses and no more fear. Just do it!

Cheers and all the best for 2016 from Invest Made Easy!

- Shane See -


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Tuesday, 19 January 2016

3 Reasons Why Global Stock Markets Are Crashing!

If you're an investor investing into stocks or unit trust, it is vital that you should keep abreast with the latest development of the global equity markets as well as understand the key factors that are affecting the market sentiment. The recent massive drop in the global equity markets is one event that you as an investor should look into thoroughly and fully understand the causes before deciding on your next investment decision.

Here's what happened most recently and what's causing it.....

2016, one of the worst start of the year for Global Equities!
As a matter of fact, the first 10 trading days of the year saw a loss of over 1,400 points on the Dow, marking the worst two-week start to a year ever!

Just take a look at the Year To Date (YTD) as of 18th January 2016 for Global Stock Market Indexes below:

Index
Quote
YTD
Shanghai (China)
3007.74
-15.02%
Brazil
37937.27
-12.49%
Frankfurt (Germany)
9521.85
-11.37%
Hong Kong
19626.00
-10.44%
Nikkei 225 (Japan)
17048.37
-10.43%
NASDAQ (United States)
4488.42
-10.36%
Paris
4189.57
-9.65%
Singapore
2631.61
-8.71%
Philippines
6357.05
-8.56%
Dow (United States)
15988.08
-8.25%
S&P 500 (United States)
1880.33
-8.00%
London
5779.92
-7.41%
Australia
4955.10
-7.29%
India
24471.62
-6.30%
Taiwan
7854.88
-5.79%
Korea
1889.64
-3.65%
Malaysia
1630.86
-3.64%
Indonesia
4485.84
-2.33%
Thailand
1263.47
-1.91%

What's causing the bearish sentiment?
1) OIL
Oil price was hovering at the $100 per barrel mark in 2014 before it suffered a significant drop in 2015. Take a look at the Crude Oil Price graph below:


As of 2016, the price per barrel has fallen below $30 with economist predicting further drop in prices over the coming months. 

What's causing the oil price to crash? Two major factors:
1. Oversupply - Oil producing nations refuse to reduce production
2. Lower Demands - Largely caused by the slowdown in China's economy

Here's a clear explanation of the current "oily" situation provided by this excerpt from Yahoo Finance:
Note : Sanction on Iran has been lifted.. More oil is expected to flood the market!
How does falling oil prices impact the equity market?
  1. Like it or not, oil and stocks/equities are positively correlated. When one falls drastically, the other will follow suit. In this case, the market is starting to feel the brunt from falling oil prices.
  2. Lower oil prices cancel capital spending plans of companies that invest primarily into energy. In other words, when businesses from a specific sector starts to cut capital spending, that is a bad sign for the equity market.
  3. Certain sectors such as materials and industrials are also feeling the impact of oil's fall.
  4. Oil producing countries are making lesser profit (to a certain point some are already in the red). This will certainly have a significant impact on the country's GDP. Just take a look at the production cost for countries, compare it with the current oil price and you'll see why.

What to look forward to?
So far there's none. As long as all oil producing nations refuses to reduce their production, low oil prices are here to stay. 

Factors that could cause a turnaround in oil prices?
  • Conflict between Middle East Countries
  • OPEC manages to convince its members to reduce oil production
  • War

2) CHINA
China stocks has tanked big time since the start of 2016. Within the first week of 2016, the China stock market (Shanghai Stock Exchange) was shut down twice as circuit breakers were triggered when the index fell below 7% of its opening value.

First trading halt (4th January 2016)


Second trading halt (7th January 2016)


Fear and Uncertainty?
When the stock market of the second largest economy in worlds goes into a free fall, it creates uncertainties and concerns for investors. This too has caused a spillover of bearish sentiment into neighboring markets such as Australia, Japan, South Korea and India.

Investors don’t have a clear idea of how strong the underlying Chinese economy is and are worried that policy makers are struggling to revive the export-reliant economy. 

In addition a weaker yuan heightens worries that the slowdown in China's economy is deeper than official data suggests. 

What to look forward to?
This March 2016, the ruling party is expected to unveil a new 5 year plan that touches on nation building, from the economy to foreign policy, the military and the environment. If the plan is able to convincingly calm the nerves of investors, we might witness a rebound for the China stock market.

3) FED INTEREST RATE HIKE
When an interest rate is raised, it means that the country's economy is recovering from a recession. Therefore when the Federal Reserve of the world's largest economy announced an interest rate hike on the 16th of December, the general believe (for the decision makers) was that the US has finally come out from recession. There's also talks that the FEDs intend to raise the interest four more times over the period of 2016.

Such optimism is not share by many investors whom strongly believe that the economic data referred to by the FEDs are fundamentally flawed. As a matter of fact, the consensus is that the US economy is not as healthy as the FEDs think it is. Poor retail sales, low inflation and a myriad of other economic data are pointing at the opposite direction.

Effects of further interest rate hike?
One possible impact as indicated below:

Questions unanswered!
When the FED increase the interest rate in December 2015, there was general optimism that the equity market will rally. However when 2016 was ushered in, the equity market tanked, creating uncertainty and fear among investors towards future interest rate hike.

With four more interest rate hike expected for 2016, will the market drop further after each hike?

Why is the market reacting negatively toward interest rate hike despite the so called "recovering economy" of the US market? 

SUMMARY
2016 will certainly be a challenging year for equity investors as we face multiple uncertainties as listed above. In addition, investors should also be on a lookout for the outcome of these key events highlighted in this post. 

Lastly always remember:
  • Stay true to your investment goals
  • Short term volatility is always there when one is involved in equity investing. What goes down will come up again.
  • Fear not and look ahead. 
  • If you're losing sleep when your investment suffers 30% losses, stay away from equity. It is not your cup of tea.
Cheers and Happy Investing!


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Saturday, 2 January 2016

Eastspring Investments Dinasti Equity Fund

Latest Research/Reports/Information
  • Coming soon

Fund Information
Asset Class: Equity Islamic
Fund Type: Growth
Geography: China & Greater China
Sector:
Inception Date: 26/10/2009
Inception Price: RM 1.0000
Fund Currency: RM
Latest Fund Size (MIL): RM 58.295 @ Nov 30 2015
Online Tradeable: Yes

Fund Investment Strategy
Investment Objective :
The Fund aims to provide investors with long term capital appreciation by investing in Shariah-compliant investments with exposure to the Greater China region.

Investment Policy :
The Fund seeks to achieve its objective by investing primarily in Shariah-compliant equities and equity-related securities of companies based in the Greater China region which potentially offer attractive long-term value. These include Shariah compliant securities of Greater China-based companies listed or to be listed on recognised exchanges of the People's Republic of China, Hong Kong, Taiwan and other administrative regions managed by the People's Republic of China, as well as other recognised exchanges such as in Malaysia, Singapore and United States of America.

The Fund may minimize potential equity downside risk by investing the balance of the Fund's NAV not invested in Shariah compliant equities and equity-related securities into Islamic financial instruments which include but not limited to sukuk, Islamic debentures and Islamic money market instruments such as American Depository Receipts and Global Depository Receipts as well as Shariah-based liquid assets.

Benchmark :
Dow Jones Islamic Market Greater China Index

Charges and Fees
List of charges and fees as listed below:

Fund Performance
Annual Returns
  • 2015 : +19.01%
  • 2014 : +  4.09%
  • 2013 : +10.43%
  • 2012 : +10.86%
  • 2011 :  -12.32%
  • 2010 : +  3.77%

Awards & Credentials
Morningstar Fund Rating
  • 4 STAR (30 Nov 2015)
Lipper Fund Awards
Morningstar Awards
  • None

Download Fund Factsheet/Annual Report/Interim Report

***************************************
Invest "Eastspring Dinasti Equity Fund" at only
2% Sales Charge through eUnittrust



Still not sure how to? 
Ask Invest Made Easy at shanesee03@gmail.com

***************************************

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