Fatwa terbaru JAKIM tentang Pelaburan ASB dan ASN

Menurut muzakarah oleh JAKIM pada 1 hingga 3 Februari 2008, melabur dalam ASB dan ASN adalah harus. Boleh rujuk link JAKIM berikut: Fatwa JAKIM tentang ASB dan ASN

BLR Turun kepada 5.95%

Selepas Maybank dan CIMB mengumumkan penurunan kadar BLR kepada 5.95% berkuatkuasa 3 Februari. Hari ni 3 lagi bank mengikut jejak yang sama iaitu OCBC Bank, Asian Finance Bank dan Public Bank. Dijangkakan bank-bank yg lain akan membuat pengumuman serupa dlm masa terdekat.

Berita ni sangat baik bagi mereka yg ada membuat pinjaman perumahan. Bagi yg ada pinjaman melebihi tempoh ‘locking period’, boleh lah memikirkan utk buat ‘refinance’, tapi kena pastikan kos guaman dan MRTA. Tapi saya rasa dengan kadar penurunan BLR yg agak mendadak ni. Agak berbalo juga kalau buat refinance.

Sebagai contoh pinjaman RM200,000 tempoh 360 bulan dgn BLR 6.75%, bayaran bulanan RM1297. Tapi dgn BLR baru 5.95%, hanya perlu bayar bulanan RM1192. Ada perbezaan sebanyak RM100.

Senarai Unit Trust Patuh Syariah

Berikut adalah senarai unit trust yg mematuhi syariah setakat 30 Jun 2008.

Perhatikan item ke 31. Dana equiti TuneMoney telah diluluskan patuh syariah, walaupun masih belum dilancarkan. Saya agak caj bayaran adalah lebih rendah berbanding dengan dana lain. Tidak sabar utk menunggu pelancarannya nanti.

List of Malaysian Shariah Based Unit Trust Funds as at 30 June 2008 No. Management Company Fund Name Fund Category Launch Date Approved Fund Size (million) 1. Amanah Saham Kedah Bhd Amanah Saham Kedah Equity Fund 27/12/1995 200 2. ASM Investment Services Bhd Dana Al-Aiman Equity Fund 09/04/1968 350 Dana Bestari Equity Fund 17/07/1975 250 ASM Dana Mutiara Equity Fund 02/02/1970 100 ASM Syariah Aggressive Fund Equity Fund 05/05/1972 20 ASM Syariah Money Market Money Market Fund 01/11/1969 200 3. Pelaburan Johor Bhd Amanah Saham Angkasa Equity Fund 24/04/1998 300 4. Permodalan BSN Berhad BSN Dana Al-Jadid Equity Fund 800 5. PTB Unit Trust Bhd Amanah Saham Darul Iman Equity Fund 31/10/1994 500 6. AmanahRaya Unit Trust Management Sdn Bhd AmanahRaya Islamic Cash Management Fund Money Market Fund 26/11/2007 200 AmanahRaya Islamic Equity Fund Equity Fund 23/04/2008 400 AmanahRaya Syariah Trust Bond Fund 21/09/2006 500 7. AmInvestment Services Bhd AmAl-Amin Fixed Income Fund 26/11/2001 500 AmAmnapeg Equity Fund 200 AmIslamic Balanced Balanced Fund 10/09/2004 1,000 AmIslamic Growth Equity Fund 10/09/2004 1,000 AmBon Islam Bond Fund 26/11/2001 500 AmIttikal Fund Equity Fund 12/01/1993 1,000 Am-NamasiapaCeq Feeder Fund 200 AmOasis Global Islamic Equity Feeder Fund 24/04/2006 200 AmPrecious Metals Feeder Fund 15/11/2007 250 8. Asia Unit Trusts Bhd AUTB Dana Bakti Equity Fund 14/05/1971 500 AUTB Dana Bon Amanah Bond Fund 05/04/2004 500 9. BIMB Unit Trust Management Bhd ASBI Dana Al-Fakhim Bond Fund 27/12/2001 400 ASBI Dana Al-Falah Equity Fund 27/12/2001 400 ASBI Dana Al-Mubin Equity Fund 30/06/1994 302 ASBI Dana Al-Munsif Balanced Fund 27/12/2001 400 10. CIMB Wealth Advisors Bhd CIMB Islamic DALI Equity Fund Equity Fund 30/04/2003 500 CIMB Islamic DALI Equity Growth Fund Equity Fund 07/05/1998 1,200 CIMB Islamic Structured Growth 1 Structured Products 28/05/2007 900 CIMB Islamic Structured Growth 2 Structured Products 28/05/2007 900 CIMB-IDET Equity Fund 1,350 CIMB Islamic Asia Pacific Equity Fund Equity Fund 02/06/2006 400 CIMB Islamic Balanced Fund Balanced Fund 08/03/2001 1,000 CIMB Islamic Balanced Growth Fund Balanced Fund 26/05/2003 500 CIMB Islamic Balanced Income Fund Balanced Fund 23/08/2005 400 CIMB Islamic Enhanced Sukuk Fund Bond Fund 23/02/2005 500 CIMB Islamic Equity Fund Equity Fund 08/10/2004 700 CIMB Islamic Equity Aggressive Fund Equity Fund 16/06/1995 300 CIMB Islamic Enhanced Index Fund Equity Fund 30/04/2003 500 CIMB Islamic Money Market Fund Money Market Fund 100 CIMB Islamic Short Term Sukuk Fund Fixed Income Fund 20/04/2006 500 CIMB Islamic Small Cap Fund Equity Fund 30/04/2003 500 CIMB Islamic Sukuk Fund Bond Fund 08/10/2004 350 CIMB Islamic Global Equity Fund Equity Fund 300 CIMB Islamic Kausar Lifecycle 2017 Equity Fund 12/07/2007 200 CIMB Islamic Kausar Lifecycle 2022 Equity Fund 12/07/2007 200 CIMB Islamic Kausar Lifecycle 2027 Equity Fund 12/07/2007 200 CIMB Global Property Equity Fund Equity Fund 300 CT-ISSGF Structured Products 1,350 11. RHB Unit Trust Management Bhd RHB Global Islamic Portfolio Series 1 Equity Fund 28/06/2006 100 RHB Islamic Bond Fund Bond Fund 25/08/2000 500 RHB Islamic Cash Management Fund Money Market Fund 500 RHB Islamic Growth Fund Equity Fund 26/01/2004 500 RHB Mudharabah Fund Balanced Fund 09/05/1996 750 12. HLG Unit Trust Bhd HLG Dana Makmur Equity Fund 19/11/2001 500 HLG Dana Maa’rof Balanced Fund 25/03/2003 200 HLG Islamic Income Management Fund Fixed Income Fund 26/04/2007 600 HLG Dana Munir Bond Fund 25/03/2003 500 13. HWANGDBS Investment Management Bhd HWANGDBS Dana Fahim Balanced Fund 28/06/2004 300 HWANGDBS Islamic Cash Fund Money Market 22/08/2006 300 HWANGDBS Dana Izdihar Equity Fund 08/10/2002 300 14. ING Funds Bhd ING Baraka Capital Protected Fixed Income Fund 09/05/2007 600 ING Baraka Capital Protected 2 Fixed Income Fund 30/07/2007 600 ING-Baraka Commodities Capital Protected Fixed Income Fund 02/10/2007 450 ING Bon Islam Bond Fund 23/04/2004 300 ING Ekuiti Islam Equity Fund 23/04/2003 300 ING-i-Enhanced Cash Money Market Fund 02/08/2007 500 15. Inter-Pacific Asset Management Sdn Bhd InterPac Dana Safi Equity Fund 25/07/2007 400 16. Apex Investment Services Bhd Apex Dana Al-Faiz-i Balanced Fund 28/08/2003 100 Apex Dana Al-Sofi-I Equity Fund 28/08/2003 300 Apex Dana Al-Kanz Money Market Fund 18/05/2006 250 17. Public Mutual Bhd PB Islamic Asia Equity Fund Equity Fund 08/01/2007 2,000 PB Islamic Asia Strategic Sector Fund Equity Fund 06/09/2007 1,500 PB Islamic Cash Management Fund Money Market Fund 08/05/2007 1,000 PB Islamic Equity Fund Equity Fund 05/09/2005 2,000 PB Islamic Bond Fund Bond Fund 16/03/2006 300 PB Islamic Cash Plus Fund Money Market Fund 2,000 Public Asia Ittikal Fund Equity Fund 22/08/2006 5,000 Public China Ittikal Fund Equity Fund 20/11/2007 7,500 Public Islamic Asia Dividend Fund Equity Fund 03/04/2007 6,500 Public Islamic Enhanced Bond Fund Bond Fund 28/11/2006 500 Public Islamic Opportunities Fund Equity Fund 28/06/2005 1,500 Public Islamic Optimal Growth Fund Equity Fund 08/04/2008 1,500 Public Islamic Asia Balanced Fund Balanced Fund 21/08/2007 1,500 Public Islamic Balanced Fund Balanced Fund 20/09/2005 3,000 Public Islamic Dividend Fund Equity Fund 14/02/2006 6,000 Public Islamic Select Bond Fund Bond Fund 10/07/2007 500 Public Islamic Select Enterprises Fund Equity Fund 1,500 Public Islamic Income Fund Fixed Income Fund 500,00 Public Islamic Bond Fund Bond Fund 1,800 Public Islamic Equity Fund Equity Fund 28/05/2003 6,000 Public Islamic Money Market Fund Money Market Fund 05/06/2007 1,000 Public Islamic Sector Select Fund Equity Fund 13/11/2007 1,350 Public Islamic Select Treasures Fund Equity Fund 1,500 Public Ittikal Fund Equity Fund 10/04/1997 2,500 18. Kenanga Unit Trust Bhd Kenanga Syariah Growth Fund Equity Fund 29/1/2002 200 19. MAAKL Mutual Bhd MAAKL Al-Faid Equity Fund 08/07/2003 200 MAAKL-CM Shariah Flexi Fund Mixed Asset 06/11/2007 1,000 MAAKL Al-Fauzan Equity Fund 06/09/2005 1,000 MAAKL Al-Ma’Mun Money Market Fund 23/01/2007 300 MAAKL-Shariah Asia-Pacific Fund Equity Fund 600 MAAKL Al-Umran Balanced Fund 28/03/2006 1,000 MAAKL As-Saad Bond Fund 08/07/2003 200 MAAKL Syariah Index Fund Equity Fund 23/01/2002 300 20. Alliance Investment Management Bhd Alliance Dana Adib Equity Fund 25/03/2004 400 Alliance Dana Alif Balanced Fund 26/02/2003 300 Alliance Islamic Money Market Fund Money Market Fund 06/10/2005 600 21. Amanah Mutual Bhd AMB Dana Arif Bond Fund 27/04/2004 1,000 AMB i-Trust Fund 2008 Bond Fund 300 AMB Dana Ikhlas Balanced Fund 17/09/2002 400 AMB Dana Yakin Equity Fund 24/11/2000 1,200 AMB Dana Fitrah 1 – Capital Protected Fixed Income Fund 27/07/2004 300 22. OCBCUTM CIMB-ISGEMEF Equity Fund 300 23. OSK-UOB Unit Trust Management Bhd OSK-UOB Institutional Islamic Money Market Fund Money Market Fund 01/11/2007 600 OSK-UOB Dana Islam Equity Fund 26/10/2001 100 OSK-UOB Muhibbah Income Fund Balanced Fund 12/03/2007 400 24 Affin Fund Management Bhd Dana Islamiah Affin Balanced Fund 11/11/2001 400 Affin Islamic Equity Fund Equity Fund 01/08/2007 400 25. Avenue Invest Bhd Amanah Saham Wanita Equity Fund 05/05/1998 450 Avenue SyariahEXTRA Fund Balanced Fund 12/03/1996 250 Avenue AsnitaBond Fund Bond Fund 18/03/2005 500 26. Pheim Unit Trust Bhd Dana Makmur Pheim Balanced Fund 28/01/2002 100 Pheim Asia Ex-Japan Islamic Fund Equity Fund 01/11/2006 200 27. Pacific Mutual Fund Bhd Pacific Dana Aman Balanced Fund 16/04/1998 1,000 Pacific Dana Dividen Equity Fund 26/07/2007 300 Pacific Dana Murni Bond Fund 25/03/2003 500 28. Prudential Fund Management Bhd Prudential Asia Pacific Shariah Equity Fund Equity Fund 22/11/2007 1,200 Prudential Dana Dinamik Equity Fund 25/02/2004 700 Prudential Dana Al-Ilham Equity Fund 14/08/2002 200 Prudential Dana Al-Islah Fixed Income Fund 14/08/2002 200 Prudential Islamic Income Fund Money Market Fund 08/02/2007 1,000 Prudential Shariah FX Fund Structured Products 15/08/2007 600 Prudential Dana Wafi Bond Fund 21/02/2005 200 29. CMS Trust Management Bhd CMS Islamic Balanced Fund Balanced Fund 06/12/2004 200 CMS Islamic Fund Equity Fund 15/08/2002 500 CMS Islamic Money Market Fund Money Market Fund 09/11/2007 200 30. TA Investment Management Bhd TA Asia Pacific Islamic Balanced Fund Balanced Fund 07/11/2006 300 TA Islamic CashPlus Fund Money Market Fund 06/06/2005 600 TA Islamic Fund Equity Fund 24/04/2001 600 TA Dana OptiMix Mixed Asset 17/01/2005 800 31. TuneMoney Tune MySEF Equity Fund 500

Sumber http://www.sc.com.my

KLCI melebihi paras 900 mata

Hari Isnin pertama untuk tahun 2009, memberikan permulaan yg baik utk pasaran saham global. Termasuklah bursa saham KLCI. Melepasi 900 mata.

Mungkin tahun ni, pasaran saham lebih stabil. Apapun harga-harga kaunter saham masih berada pada paras yg menarik utk dibeli. Banyak diskaun, jadi marilah shopping di stock market kalau masih ada cash lebih.

Selamat melabur 2009.