Pelaburan Saham di BURSA Malaysia (sebelumnya dikenali sebagai BSKL)

Tahun 2013-2014 dilihat sebagai tahun super-bull, peningkatan jumlah purata nilai dagangan harian yang tinggi berbanding tahun-tahun sebelumnya.

Jumlah penglibatan pelabur runcit juga berkembang dengan sangat positif dalam membantu melonjak pasaran saham ke paras yang tinggi. Justeru itu, amatlah berbaloi untuk sama-sama kita terlibat dalam pelaburan saham dan memanfaatkan peluang menjana kewangan yang baik.

Harus diingat, pelaburan juga adalah perniaagaan, yang mana setiap perniagaan memerlukan strategi untuk menjana keuntungan. Begitu juga halnya dengan pelaburan saham di Bursa Malaysia yang dipantau dan dikawal oleh Suruhanjaya Sekuriti Malaysia.

Ingin tahu lebih lanjut tentang Pelaburan Saham?
Saya akan kongsikan pada entry berikutnya..

"Investment is a business, be a smart investor"

njbwealth :)

How to get extra money

How to get generate money from zero in cash? Most people think & continuously try to find out on how to generate money from "empty hand". There have few strategy available & good opportunity for those have the unrealized advantages.

In Malaysia, government staffs were given special rate of charges for personal loan by financial institutions from co-operations and banks. Yes, its good if no debt, then no stress on repayment issue. But, what i'm try to share is that we can generate money even by personal loan.

Personal loan for government personnel charge as lowest as 3.99% , and if simplly put at bank for PNB share products in example also can generate up to 6.5%-7% annually such as ASN, ASW etc.  Furthermore, certain product such as ASB continuously declared dividend around 8%-8.8% annually.

Surely, there have many kind of portfolio that may generate more profit  above than 10% annual. Unit Trust is another fund type of portfolio managing by registered fund manager to manage our investment. There have various shares to choose but, its advice to keep for few years to see the profit due we have to consider on few fee of charges.

How about gold? Yes, gold is another one of most top portfolio that easy to manage & give high return with low risk. Once term of "investment" use, basically risk will be there. However, we need to consider on how the risk rate versus potential profit. Within 5 years, its give more than 100% profit by increasing of price trend (may refer www.kitco.com)

Beside that, we also can invest in properties  housing or invest in own business. It may give more that 20% annual profit, but the risk might be higher depend on experience & expertise. If experience people then, the risk might be lower compare to newbie.

Shortly, there have many kind of opportunity in front of us to let us choose to generate profit either from personal loan or by our own money. Last but not least, if prefer to apply personal loan for investment, we have to be discipline on what is our initial purpose of the loan applied then, the result will come to us.

OSH in Business

Occupational Safety & Health (OSH) is a discipline related to protect safety & health of employees at workplace. Nowadays, consciousness in OSH is improve which especially media also publish the incident happens around the world. From simple first aid incident such as scratch by knife till major & catastrophic accident such as fall from 30 meter building, major chemical spillage, fire & tank explosion.

Basically, any activity include safety programmes need amount of fund. But, safety also is considered as an investment in running plant. Why? It is because of continuous small investment in safety programme including safety awareness, personal protection equipment (PPE), and suitable facilities may prevent major loss from properties damage, compensation, penalty by enforcement body etc.

Beside that, those Company is practicing safety efficiently will help increase on client trust. Evidently shown in oil & gas field, which those Company have any relevant safety certification eg. OHSAS 18001 will get good impression & increase the trust from client or developer which will result on contract award. Why its become one of the major requirement in that Oil and Gas (O&G) field? The answer is simple, O&G industry is high cost project and any small mistakes include wrong type of bolt costing few dollars may result million dollar lost. And, it same goes to safety matter which any incident may delay the project, potentially to be fine by the government, compensation summon etc. The case of BP Deepwater Horizon oil spill in Y2010 is a good example that the Company have to take care of penalty & compensation claim.

A theory of cost on safety investment versus the losses have to take by a firm in case of incident explained by Iceberg Theory. According to Iceberg Theory, we only see the figure of expenses to invest for safety programme, but the losses amount that try to protect is much bigger and it may unexpected amount.

njb wealth ©

Iskandar Malaysia

Iskandar Malaysia is one of the mega project in Malaysia located at southern region of Malaysia peninsular. The project was introduced since 2006 still have wide potential which will benefit to the country in term of investment and specifically to the cictizen surround it. The 221,634.1 hectares of land planned to develop under 5 flagships zones (refer  http://www.iskandarmalaysia.com.my  and http://en.wikipedia.org/wiki/Iskandar_Malaysia ).

Recently, 22 Sept,  first Asian Legoland launched by Sultan of Johor which offer interesting enjoyment to children & family. The project is one of other idea not just to bring Malaysian, but to get people surround the world visit Kota Iskandar with variety of interesting place to visit offered.

Business: Canteen Service Povider

Canteen services is one of good business for the Food & Beverage line. Its promising good number of customer due most local people at workplace will prefer to have their meals at canteen compare go to outside which may need additional transportation cost, extra time etc.

But, there also have few key success factor that need us to take care on this line due F&B is part of services business category. So, customer satisfaction is critical aspect that need to pay attention. We may not able to make 100% satisfaction to everybody. But, we have no choice and have to ensure as much as possible they will satisfy with our services. The critical aspect also including front line service, variety & taste of meals and price.

Recently, a manufacturing company located at Pasir Gudang, Johor also open a tender for canteen services which roughly has to serve around 250-300 pax. They also provide few benefit include free rental fee, monthly rebate, coupon  for workers etc as enhancement benefit to service provider. They give probation for 6 months, but the contract will extended if there have no major complaint and high commitment is shown.

Any type of business can success, but its depend on how are the approaches :)

E-commerce : Business through online

Nowadays, internet not just as a facility but, it almost become basic needs for life. Any activity related to information and communication can be done through online which can settle within few seconds just by a click. 

Through online, people from different countries with thousand miles also can have a business deal just in minutes. And, another good thing in online is about market size. Through online we can access wider group of potential client with bigger number of prospect size in total.

E-bay for example, is a virtual marketplace for all over the world to do buying and selling to meet each other needs. Once a mutual understanding has been made, then transaction will proceed by payment mode available eg. credit card etc. We also have mudah.my which is one of the most visited sites in Malaysia for buy/sell&find marketplace for SMEs and home business advertiser which manage by Mudah.my Sdn Bhd (formerly known as 701Search Sdn Bhd.). 

E-commerce can be one of the best choice for advertising & promoting our products for get access to more prospect then, as a result we may get higher no of customer, which will reflect to increase our sales. Even, there have group of peoples who make internet marketplace as main marketing platform for their business to grow faster.

Have a nice day..:)

Investment : Return vs Risk

Why people are investing their money in any portfolio are just because to get more return and profit. And most are very excited to get high return as soon as possible. However, once the term of "investment" is use then, surely risk are following closely.

Figure 1

As above diagram, its shown there have 4 coloumn on return vs risk. But, 2 common coloumn are basic that need all of us to understand are :

i. Low risk, low return

Such as keep money in saving account which generally given 2-4% dividend, which for this we are almost just do nothing.

ii. High risk, high return

Such as invest in market share, Forex trading etc. However, with good technical analysis & deeply assessment, it may become very good type of portfolio category. 

How about precious metal?

Statistic for precious metal market price such as gold may categorize as low risk with quite high return.We may refer www.kitco.com for international market price. 

Shortly, any investment has its own risk that we have to pay and give consideration in order we are only invest if we are willing to adopt the risk.

Personal loan : How it can be profitable

Basically, personal loan will be charged with some percent of interest based on total amount. Different financial organisation will have different charges amount to customer, but legal organisation have to refer national guidelines controlled by National Bank. If we are aware that interest charges is different between private sector compare to government sector's employees. Its due the repayment risk cost that they have included in ensure the financial aid given still give profit to them as business entity.

Then, the question is how the debt can give us money while in conventionally theory, we are lossing in term of interest charges need to pay as stated in agreement. Then, its a concept of "good debt" that promoted by financial practitioner. 

"Good debt" is any debt that will give return more than the cost that we need to pay. For example, a loan of $100k with interest 4% per annum is considered good debt if invest in a portfolio that will given with dividend more than 4% received. It's easy and very simple theory on how loan can make money.

Its same goes to another portfolio of investment including properties, precious metals etc.