Public Mutual VS KWSP/EPF

Credit to Halaqah.net

Semua info adalah dlm percentage.See the average?KWSP still around 5.24% and the rest of fund Public Mutual -semua ni Islamic Fund ye...semua 10% and above..so don't let your EPF/KWSP sleeping camtu je inside ur account...lgpon Gvt amik small percentage je from your 1st account and allow 3 months sekali je boleh issue out...So why wait??

Wah..iklan,terbaik...kes3...as for my own experience,do i need to paste my account also?kang ckp menunjuk plak ye dok...sy masukkan cash and EPF..tp issue out bcoz nak beli umah..so masuk balik around Ogos 2011...so belum pun a year kan...my cash dah gain profit around RM 400..and my EPF sudah untung around RM800...for myself i think it's cool..sebab naik pon tkdeklah mnddak smpai 20% terus kan...logically PM akan follow worldwide market..US & China..

As for me,sebab sy join-rasa dh btau kot..sebab sy nak invest..tp takut main stock..invest then my utc plak tk berapa nak update sy..so agak terkebil2 jugak mata tgk statemt from Public Mutual OFC...memndangkan sy invest bykla juga..and mmg issue out EPF every 3 months..dats y saye jd UTC..so sy monitor husband and mine...well said,lg seronok kita monitor our investment kan..actually kita boleh monitor sendirian berhad pon via publicmutual online..but u have to register lah..kene pergi sendiri to the branch...

So far ,my investors adalah kwn2 and sedara shj..and honest to say,diorg tak invest byk sgt pon..just drp EPF diorg...cuma sebab alang2 sy jage my own, org pun boleh invest thru me...and i will update to my investor sebulan sekali..sape interested mail me maisya99@yahoo.com

Tkpon jika korg tak minat public mutual..korg gilah invest via cimb ke..instead of biarkan duit tu kat situ je..dats your future planning la..so pls invest ur money wisely..kalo korg tk nak buat apa2 pon..depends la..duit kamu,pilihan kamu...pklah yg terbaik ya....

//good bye,sayonara..tgh bermood update pasal public mutual..

Public Mutual 2012

Yess..semangat Public Mutual dtg lagi...today just send out form to mak sedara dekat kampung-Trg..she was interested to join Public Mutual via EPF...

Well said,sy pon invest juga every 3 months...ye lah,nak issue out money from EPF boleh 3 months sekali je tau...byk2 kali tk boleh ye..i mean every month tk boleh lah...

I invest EPF and also cash..bukan terlampau byk duit..tp utk long term and i said before utk diversify my investment kan...sy tak main saham directly sebab din have much time utk main stocks secara agresive..

Luckily, Public Mutual ni..tk pyh nak tgk everyday pon..utk investor under me..sy just by update every month via email..ye lah at least u knowlah,berapa ringgit duit naik or turun...as for both of my account,esp cash,tu baru end last year kot buat masuk balik..sebab buat kluar kejap nak byr lawyer..bla3...

So till today,cummulative naik adelah around 5 % ,esok luse akan naik lagi....Public Mutual tk perlu tunggu setahun ye..if lets say,u put RM 500 utk your 1 unit RM 0.50...total unit=1000 unit..if lets say 1unit naik=RM 0.55..Total duit u dah RM 550... anyhow, investment ni bukan utk short term anyway...at least 3 yearslah...

Lgpon,yg kita invest,kita boleh choose which fund kita nak..and under of course Islamic Fund je ye...kalo ASB,manelah nak tahu diorg pakai Fund mane kan...apepun ,drp u biar je your EPF maintain dlm tu,without doing nothing,and wait die dpt faedah around 5 % per year..agak tak berbaloi..for me lah...

At least Public Mutual ni safe la jugak and sesuai utk yg sesiapa yg not risk taker...and as for me as UTC-Unit Trust Consultant..i will advice you on what fund do you need to choose..and update u every month or everytime u need the news....Currently i handle my own and my husband, plus with my friends...

So sesape nak join me or ade question ,can email me directly at maisya99@yahoo.com ...and utk sesape yg nak jadik UTC cam sy pon boleh email juga...Apa-apa pun bolehlah ..:)

Premium Beautiful lagii..

Ok,tomorrow,my frenz wanna brief me bout PB..he he he...after my post yg mengutuk pasal PB ,then i nak gi dgr plak pasal tu...tu my frenz la..sy kan baik jadik kwn2, sy layan kan ajela..

Sy pon nk tau strategi die camno..tp adakah sy akan join??mwa ka ka...jeng jeng jeng....erkk!!Tp beli je takpekan..tp 2k gak tu..pk pk...sy kalo org personally dtg ngajak ni..ni yg ketar lutut nak say no...

Kita tgk dulu...kuat Iman tk ni ,nak tolak ni...

//tp org kate,kalo suke sgt ckp bukan2,kutuk2 mnde tu..nanti kita suke plak mnde tu..aiyakkk!!!!

Laugh if you want..critics if u like..all bout Facebookers

1)sayang.. i love you or sy rindu gila kat awk or tolong belikan sy bla3 or terimakasih atas hadiah mu sebiji audi(cthnye)...

//husband sebelah je pun..mlm2 tido sekatil jugak kot...kalo husband jauh pon,PM pon boleh..

2) abah/mak/nenek/atuk happy birthday..bla3...

//semua tu tkdek facebook pun

3)anak2...mama harap kamu semua rajin dan jadik budak pandai..esok mama work..jgn lupe bgn awal ye...semoga jadi anak yg rajin selalu

//anak2 baru 3 tahun dan ke bwh kot...FB tkde..mmbace pon tk reti..

4) Jap2 post hadiah birthday utk husband..jap2 post hadiah utk wife...pastu bergambo ngan hadiah..

//do i need to write more??

5)Thanx hubby..bg sy gelang emas 48 karat...sampai ke siku dah gelang sy...or husband sy belikan telefon BB..tq syg...(uiks cam husband aku belikan phone je,ha ha ha..tp tak tulis dlm FB or twitter-maafkan diri sendirilah) or husband sy ucap birthday..kiss my cheek,oh terharu...

//again,ko ckp directlah senang

6)jap2 post pic kete,jap2 post pic kete yg di beli,jap2 post pic kete bapak,jap2 post kete mertua,jap2 post kete adik..

//lol..kesian,org tak tahu kita beli kete baru,kene post la,baru org tau....

7)Sy beli rumah baru...esoknye,pic tanah kosong,luse,start buat rumah..pastu post rumah siap,pastu post renovation,pastu post dah masuk sofa baru,pastu,post pic langsir baru,pastu post rumah as a whole...

//happynye ade rumahkan..setiap inci perubahan nk di khabarkan...

8)ada org ckp sy ni bla3..padahal bla3(ayat defend diri)...macamla die tu bla3...

//berharap org support die..mmg ade jela supporters nya...kesian duk nyalahkan org je kejenye..dahtu byk plak post gitu..so sendiri pklah ye.....

9)sokmo post pasal agama...jap2 post pasal nak kawin tk sabo2....jap2 post..ishh mane awek/pakwe aku ni...

//boring...jap berlakon baik..jap cam singa plak perangai...

10)duk post pasal bisnes..

//semua kene setuju je ngan bisnes nye...kalo tk setuju..terbaek kene bidas

11)duk cite anak pandailah...cepatnya anak sy berjlnlah..cepatnye anak sy mmbaca lah...pendek kate sume anak sy cepat..

//ok,anak sy berak cepat..:)

12)org duk post anak sy kurang makan,anak sy tak suke membace..breastfeed susu kurang...pastu adelah comment,lebih kurg camni: anak awk setahn baru 5 kilo ke?anak sy yg sulung tu dulu 8 kg dah..(uwekkk)...,anak sy yg no 2 tu,yg 10 tahun dah..pandai membace mase age 4 y.o lagi,u kene buat something ni..(uwekk)...,BF kurang?sy time pantang, 40 oz sehari tau..(oh,pleaseee)

//boleh tak bg nasihat yg mmbina ckit,instead of duk ckp koo je yg best as mukadimah..buat org down je...tkpon tukar ayat ckit mcm :susu kurang?minum at least 3 litre air tau..sy dulu buat camtu hari2..dpyla 40 oz whole day..kan manis :)

ok next time update lagi..bye3

Keperluan atau kehendak

Walau kita dah grwing up..sulking still be as one of my habit kan...bukan sulk to ur mother anymore if u already hv husband kan..bukanlah dgn anak2 yg kecik..

Sulking is my habit tho..cannot be separated..mmg ada kalanya sulk juga ngan dik,mak,abah or even ngan anak2...tp of course tk tunjuk n diam kan saje..and try my best to tolerate with them..and lupelah pastu...

So happen with my husband..byk kali sulking juga..tp jrg sekali sulk because tk dpt brg...sebab sy jrg nk beli mende2 pon..tk dpt beli saje sendiri...tp semlm saje nk merajuk..ahh kebudakan sgtlah...

sebab my husband bought his new slippers..and i couldn't find mine..semua rase tk sesuai...and i just put my budget RM 50 ke bwh...yelah,bukan nye nak bwk opis pon..yg santai2 je..yg skarang sy pakai pon covered shoes kalo panas and selipar jepun yg berkarat tu je...

Tp byknye pakai selipar jepun tu lah...kekdg2 pakai2 dah cantik,tgk kaki..mak aii..hazabedahla sgt...dh le mls nak berus...tu my adik ipar yg belikan kat aussie...dh 4 tahun kot,diorg beli time honeymoon..pastu sy beli slipper adidas plak,so tukar2 ngan yg ini..skarang dh lupe letak mane..ade gak slipper beli kat sogo..brand dah lupe..dh tu syok bwk kete..terjatuh sebelah kat training center..carik2 tkdek dah...

yg maintain nye,selipar berkarat nih...jd semlm kat JJ,husband suh beli yg baru..dh try2..my husband tk bg beli yg murah..tak long lasting kate die...die suh beli kat Adidas..tp utk pompuan,tkdek plak kat Adidas tu..so end up kat JJ..Abg E suh carik kat hush puppies and scholl...

pastu kenan nak scholl..dh tu husband kate tk cantikla,tk sesuai dgn kaki la..bla bla bla..pastu campur ngan budak kecik 2org tu wat bising,jerit2,lari2..sudah active ye diorg ni...kacau konsentrasi sy nk beli...terus mcm,hmm tak pyhla beli...pastu diam...my husband pksa suh beli..tp mood dh tkde...

He said,tkpelah..beli je yg scholl tu kalo dh suke...sy mcm..tadi comment mcm2,dah tuh suh beli plak..tp pk2..dhle tkde mood,harga pon cam,tettt..kalo ade duit extra bolehla kot...tp sebab regenye kalahkan my office wedges...mls lah nak burden kan husband...RM 190 utk selipar nak ke pasar ?

Tp ntah..tk dpt selipar nak merajuk...my husband said,kita beli today plak lah..tp sedih sebab tk dpt beli..ha ha ha..cam budak kecik...tp today dh okay je lah..tp pk cam over la..nk beli yg 2 kali ganda mahal dr husband punye...berus je la sliper lame tu... :)

sedih pon sedihla..yg penting sy telah mndahulukan keperluan drp kehendak...keperluan selipar shj.. kehendak adalah selipar yg mahal... good start for saving... :)
//Selipar and kasut jln2 aka gi pasar aka mcm2...Rip curl itu selipar berkarat sy..shoes maroon-pakai jika panas....yg kecik2 Dina and Dani punya...

Passport hilang..

sy dah lame tak nampak passport ni...rasenye mcm dah hilang...cari2 pon tk jumpe...kene buat baru lah ni..lecehnye...kene wat report police and buat akuan sumpah...Sy tk plan nak gi mane2 pon..tp,tak bestla passport takde,kang tetibe ade plan...susah plak...

Kene cuti satu hari nak setelkan mnde alah ni..takleh minta tolong husband..boring kene leter satgi..so kene pandai sendiri lah nmpak gayenye...ishhh

Dina sofea yg dh besar

Kalo sembang ngan Dina..mmg sy terkekeh2...klakar budak ni..dh ckp main lepass je...byk sgt ayat die yg buat sy geli hati...

1)"mama..Dina dah pandai ckp omputih...",pastu sambung.."where's the mama"...jap2..."where's the Dani"..ha ha ha...'the' lah sangat..

2)Sy naik atas,pastu ngantuk tahap gaban..pap baring...sy pesan kat Dina suh bace Kumon..pastu Dina datang n said ,"sedap teh tidur,taknak ajar anak"...ha ha ha

3)Sy kene sound ngan husband...time hubby driving ,"Dina ,kita carik abah lain lah..yg tak garang..Dina nak tak?"...Dina:"taknak, nak abah yg ni jugak",sambil tunjuk kat my hubby la..then amik tangan sy n husband-yg tgh pegang gear..pastu letak same2-cam pegang tgn lah.."Dina nak abah n mama bercinta"..errkk?!

4)duk syok dlm kete..abah break..Dina hmpir terjatuh...Dina ckp"nasib baik dok jatuh sembang"..mak aii speaking trg...(jatuh tersembam)

5)kalo sesape mulut busuk or suke bersin..Dina takmau share foods ke,minum ke.."iii busuk ah..bau air liur kering"..saboo je lah..

tapi sy rase Dina and Dani and byk budak sekarang agak bertuah..nak ape,hmpir sume dpt...dulu nk makan kfc pon susah..ni ckp je nk mkn mcD..tp my kids tak suke sgt mkn pon...even pizza,tak suke..minum susu ajer...ckp je nak buku ape..sume sy belikan..ckp nak sluor jeans...sy belikan...

Nak main game,ade ps3 kat umah..ade basikal kat umah...siap ade handphone(tp tk bg bwk gi sekolah)..siap ade ipad(pon tkleh bwk ke sek)..sy nye laptop,tk pakai,die layan CD..latest husband beli kete yg ala go kart ngan motor boleh charge tu..sabooo je lah...

Remote cars dh berlmbak..sume dh rosak..takut kalo budak2 ni jadik mnja..sume nak..pendek kate tak phm..kalo kite kate tkdek duit...sedih gak..die akan bg duit die singgit2 suh beli..

Pas nih,sy nak pesan kat husband,suh stop beli ape2..susah nak suh die bace books nanti..oklah guys..jgn manjakan anak sgt..nanti die tak tau susah tu ape..reminder to myself...

Cuma my kids..kalo kate jgn or tak boleh..tkdelah berguling2 nangis..parent die je ngade2 beli mainan..kene catu pasnih..mama nak beli emas plaklah...