How to register with Public Investment Bank CDS Account

My friend is a former Public Investment Bank remisier, so i just asked her give me an application form for open share trading account.

What documents need to prepare for open share trading account? 

Just photocopy a clear IC and prepare RM30. 

1) Stamping fees - Letter of Setoff (RM10.00) & Nominees Agreement (RM10.00)

2) Central Depository System (CDS) Account Opening Fee (RM10.00)

After sign up the application, i think in the one week time, i had receive my trading account information.

My friend suggest me open Public Bank Ebanking for convenient do share trading and withdraw or bank in money to the trading account.

Open ebanking Account
U just need open an Public Bank basic saving account, when open account need prepare RM30 (min) for deposit in the account. But after open the account, u can withdraw the money anytime.

When sign up for open Public Bank saving account, i have told the officer, i would like apply online banking in the same time. Its simple for the application, just need sign up some form, and u will be provide a temporary password. The officer will guide u how to activated your ebanking account.

Share Trading Account 

When bank accept your application, u will be provide a contract and some document in black and white. U will know what is your Client Code, PB Sharelink No, CDS Account No and CDS Account Name.

When u want do any share trading by call your remisier or Share Investment Executive, what u need is tell your remisier about your client code.

About PB Sharelink

Introducing PB Sharelink, a product specifically designed to assist you with your share trading and margin financing needs on the Malaysia Securities Exchange Bhd (MSEB). It offers you maximum purchasing power through leveraging against existing funds or collateral to enable you to purchase and invest in shares to capitalise on any emerging opportunities in the stock market.

Whether you are a first-time investor or are looking for alternative investment options to maximise your returns, we will help you find a plan suited to your needs:

Share Margin Financing
Lets you finance the shares purchased using the margin balance available in your account.

Margin Plus Trading
Provides you a combination of margin financing and leveraged trading based on the value of the collateral you have in your account.

Cash Trading
Purchase shares using your own funds.

Collaterised Trading
For a higher trading limit with no margin financing.

Whichever plan you opt for, PB Sharelink will take care of your banking and share trading/investment needs as well as nominee services, all under one roof.

We also have a team of dedicated share investment executives to assist you with your trading activities and banking requirements. And it’s really simple and hassle-free to apply for share investment services with us. You can also apply for Share Margin Financing with Public Bank and opt to conduct your share transactions with any of our panel stockbrokers.

PB Sharelink is available at selected Public Bank branches.
For enquiries, please call our Free-phone at 1-800-88-3323.

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Information about PB Sharelink is from PB Sharelink website.

Saudara mara Ben Ali larikan 1.5 tan emas

• 
  PETUGAS pejabat Perdana Menteri menurunkan gambar bekas Presiden Tunisia menjelang pengumuman kerajaan baru.
• 
  DUA lelaki tempatan membawa keluar sepohon pokok dari rumah anak saudara lelaki Ben Ali, Kaif Ben Ali, di pusat peranginan Hammamet, 60 kilometer dari Tunis.

PM umum mula pemerintahan kerajaan campuran baru Tunisia

PARIS: Saudara mara bekas Presiden Tunisia yang digulingkan, Zine al Abidine Ben Ali dikatakan keluar dari negara itu dengan 1.5 tan emas, lapor akhbar Le Monde yang memetik sumber risikan Perancis.

Emas seberat 1.5 tan dilaporkan mencapai nilai AS$65 juta (RM194.6 juta) dalam pasaran terbuka.Pejabat Presiden Nicolas Sarkozy sudah diberikan taklimat oleh pasukan perisikan Perancis bahawa isteri kedua Ben Ali, Leila Trabelsi, mengeluarkan jongkong emas daripada bank pusat Tunisia minggu lalu.

Gabenor bank menolak permintaannya tetapi terpaksa mengalah selepas mendapat tekanan dari Ben Ali sendiri, menurut laporan itu. 

Ben Ali dan Leila sudah keluar dari Tunisia selepas gelombang protes jalanan dan kemarahan yang memuncak rakyat terhadap keluarga pemimpin itu yang didakwa menyalahgunakan sumber negara. Bagaimanapun, Bank Pusat Tunisia menafikan laporan berkenaan.

“Simpanan emas dalam bank pusat ini tidak disentuh dalam beberapa hari lalu. Begitu juga wang tunai. Negara ini mempunyai peraturan ketat,” kata seorang pegawai yang enggan namanya disiarkan. 
Di TUNIS, Perdana Menteri Tunisia berjanji akan mengumumkan kerajaan campuran baru untuk mengekalkan momentum kemajuan politik bagi mematahkan protes dan melemahkan pasukan bersenjata yang berpihak kepada bekas presiden.

Pasukan khas Tunisia bertempur dengan pasukan pengawal bersenjata bekas presiden di istana presiden kelmarin, selepas dua hari presiden yang memerintah negara itu selama 23 tahun Zine al-Abidine Ben Ali digulingkan.

Bagaimanapun, Perdana Menteri, Mohamed Ghannouchi berjanji tindakan pantas akan diambil bagi mengisi kekosongan itu.

“Esok (semalam) kami akan mengumumkan kerajaan baru yang bakal membuka sejarah baru dalam sejarah Tunisia,” katanya dalam kenyataan kelmarin.

Tiga pemimpin pembangkang dijangka akan dilantik dalam kerajaan campuran itu, kata dua sumber yang rapat dengan penubuhan kerajaan baru itu. Tetapi, Menteri Luar dan Menteri Dalam Negeri dalam pentadbiran lama dikekalkan.

Sementara pasukan yang setia kepada kepimpinan Ben Ali bertempur dengan tentera di istana presiden, dua lelaki bersenjata di bumbung berdekatan bank pusat terbunuh apabila ditembak dari helikopter. Kereta perisai turut diletakkan di kawasan ibu negara, Tunis dan tentera mengawal bangunan awam. – AFP/Reuters 

Komen : Rupa-rupanya si Leila Trabelsi ni sudah mewujudkan dana emergency iaitu menyimpan emas di bank. 1.5tan ooo banyak tu bro. Kita bila lagi? Hehe.

Ringgit Malaysia Semakin Kukuh?

Kalau baca laporan Bernama baru-baru ini, Ringgit Malaysia dijangka akan terus meningkat berbanding dolar Amerika Syarikat (AS) pada minggu ini. Betulkah nilai Ringgit Malaysia semakin meningkat?

Ringgit dijangka terus meningkat minggu depan

KUALA LUMPUR: Ringgit Malaysia dijangka terus meningkat berbanding dolar Amerika Syarikat (AS) minggu ini berikutan spekulasi kadar faedah tinggi tahun ini yang memberi prospek positif bagi mata wang tempatan itu disebabkan perbezaan kadar faedahnya dengan AS, kata ahli-ahli ekonomi. Mata wang Asia dijangka terus naik berikutan spekulasi bank-bank pusat serantau akan menaikkan kos pinjaman bagi meringankan inflasi, meningkatkan kelebihan hasil bagi aset-aset tempatan.

Sementara itu, pakar ekonomi RAM Holdings Bhd, Jason Fong berkata, ringgit dijangka berada dalam jajaran kecil minggu depan berikutan kekurangan petunjuk baharu menjelang mesyuarat dasar monetari seterusnya Bank Negara. “Sentimen ke atas ringgit kekal positif dengan fundamental kemungkinan membantu ia naik sedikit,” katanya.Beliau berkata, implikasi desakan serantau bagi kawalan modal dan pengetatan kadar faedah mungkin menghentikan sentimen pelabur buat masa ini kerana mereka dijangka cuba menilai sebarang kemungkinan pulangan yang boleh boleh raih.

Beliau menekankan bahawa masih terdapat lebihan mudah tunai global susulan program suntikan modal Amerika Syarikat yang dimulakan November lalu. Sepanjang minggu yang baru berakhir ini, ringgit diniagakan antara paras 3.0529 hingga 3.0823 berikutan sokongan berterusan dan aliran masuk dana asing terutamanya bagi instrumen pendapatan tetap dan bon. Hasilnya, unit tempatan mencecah paras 3.052 kepada hampir melepasi paras paling tinggi dalam tempoh 14 tahun pada Khamis.

Bagi asas mingguan, ringgit naik berbanding dolar AS pada 3.0535/0575 daripada 3.0685/0715.Bagaimanapun, ia turun berbanding dolar Singapura pada 2.3704/3753 daripada 2.3648/3683 minggu sebelumnya dan berbanding yen pada 3.6999/6065 daripada 3.6727/6771 pada minggu sebelumnya.Ia juga rendah berbanding pound British pada 4.8322/8397 daripada 4.7365/7427 dan berbanding euro pada 4.0960/0019 daripada 3.9826/9871. BERNAMA

Sekarang ini sudah mula ada kebimbangan mereka-mereka yang lebih arif dalam bidang ekonomi dan kewangan mengenai kenaikan matawang ini. Ini kerana sebenarnya dan realiti sekarang ini bukan Ringgit Malaysia sahaja yang terus meningkat malahan nilai matawang serantau termasuklah won, peso, baht, rupiah, rupee, dollar Singapore semuanya  naik. Ini semuanya berpunca daripada ahli-ahli ekonomi yang meramalkan nilai USD akan terus merosot. Jadi, puak-puak pengurus dana yang memiliki dana berbillion telah mengambil tindakan melabur dalam matawang lain termasuklah matawang Ringgit Malaysia.

Tun Dr Mahathir pun ada berikan peringatan baru-baru ini. Malaysia perlu berhati-hati dengan pengurus-pengurus dana asing yang datang dan terus-terusan menekan indeks sehingga naik lebih 1500 mata . Memang itu kerja mereka.  Mereka datang dan terus beli, beli dan beli. Apabila indeks semakin naik nanti, retail investors yang boleh diibaratkan “ikan bilis” ini akan “kelabu mata” melihat kenaikan tersebut. Di sinilah akan ada kemungkinan masalah besar yang tidak disangka-sangka akan berlaku kalau tidak berhati-hati .

Pada masa itu, retail investors (ikan bilis) akan terus beli, beli manakala pengurus dana asing (jerung besar)  akan jual, jual dan jual sehingga harga saham jatuh merudum. Akhirnya retail investors (ikan bilis) yang tak sempat mengaut keuntungan daripada harga saham tersebut boleh menyebabkan mereka-mereka ini akan melingkup. Pengurus-pengurus dana asing ini berbondong-bondong akan datang ke rantau sebelah sini disebabkan ekonomi US, Europe pun hidup segan mati tidak mahu. Dengan permintaan domestik yang lemah disebabkan disebabkan orang tiada kerja, kadar faedah kerajaan di sebalah sana pun dibiarkan rendah serendah-rendahnya (untuk menggalakkan kegiatan ekonomi)

Jadi mereka-mereka ini (pelabur dana asing) tak oleh nak buat untung besar dalam jangka masa pendek berbanding rantau di sebelah sini yang mana di sini, ekonomi secara amnya dikira agak stabil walaupun ssetengah negara biasa-biasa sahaja daripada segi kadar pertumbuhannya, tetapi sekurang-kurangnya permintaan dalam negara masih boleh dikatakan agak tinggi.  Apabila matawang dolar Amerika punya devaluation sudah mula meningkat semula dan pelabur dana asing ini akan serta merta dump matawang-matawang ini dan membeli semula matawang USD. Jadi inis emua memang kerja meraka.

Jadi apa yang kami harapkan di sini? Haraplah sangat tiada ahli politik yang nak sembang dengan orang kampung kononnya :

nilai  Ringgit Malaysia naik

indeks bursa terus naik

indeks bursa naik sebab ekonomi semakin baik

Memang ada kebenarannya Ekonomi Malaysia semakin baik, tetapi hakikatnya ia tidak memberi gambaran yang sepenuhnya. Rakyat secara umum di Malaysia tak menikmati hasil pun daripada nilai ringgit yang meningkat. Yang untung siapa? Syarikat-syarikat berurusniaga eksport import. Faktor utama peningkatan ini adalah disebabkan pengurus dana asing sedang sibuk “berjudi” di rantau ini sekarang.

P/S : Adakah rasa tempias daripada nilai Ringgit Malaysia yang meningkat ketika ini dikala nilai matawang dolar Amerika mengalami kejatuhan ketika ini?

Sumber : http://beritasemasa.com/ringgit-malaysia-semakin-kukuh

Another Crash is Coming Soon

2010-10-30 Licence to print

The term in fashion today is quantitative easing.  In English, in simply means printing money.  Yes, the Federal Reserve in the US is printing money.  Again.  Well, that is nothing new, you say; they have been doing that all along.  You’re right.  It’s an easy thing to do.

Creating a bigger quantity of cash to ease the debt problem.  The quantity now is $60 billion.  It doesn’t take a genius to figure out that this will cause inflation.  That’s why China’s minister of commerce, Chen Deming, voiced his annoyance over the rising challenge of an “imported inflation” that his country now faced.  Chen said that the US dollar issuance had gotten “out of control”.

Best-selling author Jim Rogers chipped in to say that Ben Bernanke, the Fed Chairman, doesn’t know anything about economics or currency; he just knows how to print money.

With his latest move, Ben Bernanke has pushed the bubbles to emerging markets, as we have seen the unrelenting spikes in property and stock prices.  Stock markets in the Asian region are seeing strong bull runs, and Asian currencies have been appreciating as the value of the US dollar becomes depressed.

Cheap US money has also caused prices of commodities such as crude oil, gold and silver to be on the rise.

With such “irresponsible behaviour” as China describes, a crash would be inevitable.  However, for the time being, everyone is happy with the good bull run especially in the stock market.  In Malaysia, most people expect the KLCI to surpass its historical high of more than 1,526 points soon.  As with previous crashes, nobody is running right now.  “Now is the time to make money,” they say.

At the rate it is going, the bull run may go on for a long time.  But then again, no one can say for sure that a crash will not happen tomorrow.  If you are an investor, make sure you do your eventuality planning.  A good strategy that my options guru taught me was to sell half your stakes and lock in the profits, while letting the remaining half ride the wave to the max.  Good luck, and may the Force be with us when the Crash comes…

Written by Andrew Chia in: Financial Intelligence | 

Article By : http://andrewchia.com/

How do you Cope with Inflation?

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by KCLAU

in WEALTH MANAGEMENT,INVESTMENT

Inflation is here. You just can’t stop it.

Here are some strategies that you can put into immediate action.

Watch your personal inflation rate

A general inflation rate is published every year by the government but that is based on some daily use items and control materials. The fact is that every one of us has a different set of inflation rate. Just take a look at how much you are spending every year and you will most likely find that your expenses keep increasing at a much higher rate, regardless of the official rate.

When your income increases, you elevate expenses almost immediately. You may get a brand new car, get married, got kids and all these total yearly expenses always exceed the official inflation rate.

The more to worry about is your personal actual inflation rate. If you can keep this low, there is not much to worry about the national inflation rate.

Invest in inflation-proof assets

As money being pump into our banking system, which is called the fiat money since the currency value no longer backed by reserves, government is used to printing more money. The most obvious is the major bailout of banks by the US government in the sub-prime crisis. Inflation just happens.

When certain raw material price increases, all related item will appreciate as well. For example, when oil price take a hike, petrol price increases. Transportation fees elevate and all building materials follow suit. Therefore, the price of buildings and houses also go up.

So if your money is still parked at places that remain as fiat money, it unavoidably depreciates. Therefore, it is wise to park your money at places where value appreciates due to inflations. Some inflation-proof assets are real estates, energy-related businesses and commodities such as gold and silver.

When you are investing for inflation, your intention is to protect your wealth from being depleted due to inflation.

Invest for cash flow, not capital gains

When someone says, “The stock I bought is rising!” or “The house I bought two years ago has appreciated more than 30%,” they are aiming to get capital gains from their investments. But when you say, “I got a steady dividend check from the listed company every quarter” or “I receive monthly rental from the tenant”, you are investing for cash flow.

Due to inflation, price of commodities rises, including rental. Some companies can pass the cost hike to their consumers by raising the price of their products – such as milk powder and alcohol. As a result, those companies can still pay you the expected dividends in the midst of inflation. When you are investing for cash flow, your cash flow will actually increase, thanks to “inflation”.

What’s your actual personal inflation rate?

Inflation is one of those investment variables that you can’t control. So rather than whine about the misfortune of higher inflation, focus on things you can control. You can control where you park your money. You can control your own personal inflation rate. While inflation isn’t something to be desired, it’s something you can learn to live with.

Now, tell me what’s your actual inflation rate? Use this formula to calculate:

Actual inflation rate = (E2010 – E2009/ E2009) x 100%

E2009 = total expenses in 2009
E2010 = total expenses in 2010

Note : Kesimpulan dari pada artikel K.C Lau (http://kclau.com/investment/cope-inflation/) ini adalah:
1) kita hendaklah menguruskan perbelanjaan harian kita dengan baik,berbelanja dengan berhemah.
2) melaburlah didalam aset kalis inflasi i.e hartanah,bisness sumber tenaga,commodity seperti emas dan perak.
3) melabur untuk cashflow i.e sewa rumah. 

Selamat Tinggal 2010, Selamat Datang 2011

Sekejap sahaja masa berlalu, 2010 sudah ditinggalkan. Banyak pengalaman pahit manis sepanjang tahun 2010 yang dilalui. Apa yang penting yang baik dijadikan teladan yang buruk jadikan sempadan. hehe.


Marilah kita renungkan pesanan junjungan besar kita Nabi Muhammad s.a.w. iaitu sabda Baginda dalam hadis: Maksudnya: "Rebutah olehmu akan lima perkara sebelum datang lima perkara; hidup kamu sebelum mati, sihat kamu sebelum sakit, masa lapang kamu sebelum masa kesibukan kamu, muda kamu sebelum tua, dan kaya kamu sebelum miskin". (HR Hakim dan Baihaqi).


Semoga segala perancangan tahun 2011 yang akan datang ini akan diberkati Allag swt dan di permudahkan olehNya.