Kenanga Investors Berhad’s won the Best Performing Equity Malaysia Fund for the 5-year and 10-year categories at the prestigious Lipper Malaysia Fund Awards 2015

KUALA LUMPUR, 9 MARCH 2015 – Kenanga Investors Berhad’s (Kenanga Investors), Kenanga Growth Fund won the Best Performing Equity Malaysia Fund for the 5-year and 10-year categories at the prestigious Lipper Malaysia Fund Awards 2015. This is the third consecutive year that Kenanga Growth Fund has been recognised for its performance specifically for the 5-year category. Datuk Chay Wai Leong, Group Managing Director of K & N Kenanga Holdings Berhad (“Kenanga Group”) was pleased with Kenanga Investors’ positive start to the year. “Kenanga Growth Fund delivered total return of 148.95%* (5 years) and 324.83%* (10 years) as at end 2014. This was largely due to Kenanga Investors’ investing philosophy, research efforts and bottom-up stock picking approach. These wins also demonstrate the Fund Management team’s commitment to deliver not only impressive returns but consistent investment performance for our clients, year on year. In the shorter term, the Fund continues to deliver above benchmark performances achieving 9.31%* (1 year) and 57.54%* (3 years) returns in 2014.” 2 Kenanga Investors’ Chief Executive Officer, Mr Ismitz Matthew De Alwis said, “In 2014, Kenanga Investors saw its retail assets double its Asset Under Management (AUM) with overall Collective Investment Schemes AUM growing by 68%. These were mainly new fund flows. The consistency of our funds over the period also contributed to the in-flows as investors began to look at a funds’ performance over a longer duration i.e. five years. Kenanga Investors’ continuing efforts in improving our distribution reach and customer experience along with consistent top performance of our funds shall remain the main thrust moving forward.” The Lipper Fund Awards are part of the Thomson Reuters Awards for Excellence, a global family of awards that celebrate exceptional performance throughout the professional investment community. The Lipper Malaysia Fund Awards is a prominent yearly event organised to honour top-performing unit trust funds in the country.

ANTARA PUNCA UTAMA BEBANAN HUTANG RAKYAT MALAYSIA KERANA GAGAL RANCANG KEWANGAN.

KUALA LUMPUR (Bernama) -- Perancangan kewangan yang lemah dan tabiat

berbelanja yang tidak mengikut kemampuan diri merupakan faktor utama penyebab masalah hutang serta ketidakupayaan membayar balik pinjaman, kata Ketua Pegawai Eksekutif Agensi Kaunseling dan Pengurusan Kredit (AKPK) Koid Swee Lian.

Beliau berkata daripada 90,807 peminjam yang dibantu melalui Program

Pengurusan Kredit (DMP) AKPK bagi tempoh 2007 hingga 31 Mei lalu, 20,886 atau

23 peratus merupakan golongan yang memiliki perancangan kewangan lemah.

Katanya 18,161 atau 20 peratus lagi berhutang disebabkan perbelanjaan perubatan yang tinggi; lain-lain (17,253/19 peratus); masalah atau kegagalan perniagaan (13,621/15 peratus); gagal mengawal penggunaan kad kredit (9,989/11 peratus); kehilangan pekerjaan (9,081/10 peratus); manakala kematian atau hilang punca pencari nafkah dan kegagalan dalam pelaburan masing-masing (908/satu peratus).

"Sepanjang tempoh yang sama iaitu dari 2007 hingga 31 Mei 2013, seramai

222,942 peminjam datang ke AKPK untuk mendapatkan perkhidmatan kaunseling,

tapi daripada jumlah itu hanya 90,807 yang menyertai DMP kami," katanya kepada

Bernama.

Swee Lian berkata sehingga 31 Mei lepas, 3,591 peminjam berjaya keluar daripada

DMP dengan jumlah hutang diselesaikan RM130.05 juta.

Menurut Swee Lian, peminjam individu boleh mendapatkan bantuan AKPK untuk

menstruktur pelbagai jenis pinjaman termasuk pinjaman perumahan, kenderaan,

peribadi, atau baki tertunggak kad kredit yang diperoleh daripada penyedia

kewangan.

Bagaimanapun, untuk menyertai DMP yang disediakan AKPK, seseorang peminjam

antara lain mestilah tidak berhutang melebihi RM2 juta; tidak diisytihar muflis; tidak mempunyai surat saman atau mahkamah dan memiliki pendapatan boleh guna mencukupi.

"Apapun AKPK tetap akan bantu tapi lebih kepada nasihat...misalnya jika peminjam ada lebih daripada sebuah kereta kita mungkin nasihatkan mereka supaya jual sebuah," katanya.

Katanya tujuan utama AKPK menyediakan pelbagai perkhidmatan pendidikan

kewangan yang direka khas ialah untuk membantu setiap individu belajar

mengawal semula keadaan kewangan dan memupuk tabit penggunaan kredit

secara bijak.

"Melalui kesedaran dan pendidikan tentang cara menguruskan hutang secara

berkesan, AKPK berharap ia dapat mengurangkan isu-isu berkaitan kewangan yang dihadapi oleh sektor isi rumah Malaysia," katanya.

Swee Lian berkata individu yang mempunyai masalah hutang atau kesukaran menyelesaikan pinjaman tidak seharusnya malu untuk datang ke AKPK kerana ia lebih baik daripada diistiharkan muflis atau harta benda dirampas.

Selain itu semua perkhidmatan yang ditawarkan AKPK adalah percuma. -BERNAMA

PELAKSANAAN GST BERMULA APRIL 2015

Dimaklumkan bahawa, Kenanga Investors Berhad (KIB), adalah antara salah satu syarikat yang turut sama terlibat dalam pelaksanaan Cukai Barang da Perkhidmatan (GST) berkuatkuasa 1 April 2015.

Sehubungan itu mulai 1 April 2015, KIB akan mengenakan 6% GST dalam setiap servis transaksi yang diuruskan.

2015 BUDGET: PEOPLE ECONOMY MUTED TO EQUITY MARKET

2015 BUDGET: PEOPLE ECONOMY MUTED TO EQUITY MARKET

By Chan Ken Yew / Kenanga Investors

 

We have no doubt that the Rakyat will benefit from the recently announced 2015 Budget. However, it could be a non-event to the local equity market, as we see no major surprises. We reckon that most of the “goodies” that dished out have no significant impact to corporate earnings. Both tax cuts had also been announced in 2014 Budget and the positive impact could have factored into analysts’ forecasts. Besides, “goodies” for the Rakyat may also be neutralised by the implementation of GST in early-2Q14. As such, we maintain our FY14E and FY15F net earnings growth rates of 4.9% and 11.3% respectively. On the other hand, we also do not expect strong inflow of foreign capital in the near-term, as the prospect of stronger sovereign rating inline with the continued improving fiscal deficit could have largely priced in. Nonetheless, we reiterate that the strong domestic liquidity position and the favourable seasonal pattern remain supportive. As FBMKLCI is traded at 7% discount to its consensus target price of 1,945, the downside risk from here could be limited. We reiterate our preferred B.O.W. strategy and our year-end index target of 1,910 at this juncture.

2015 Budget - Prime Minister announced the 2015 Budget last Friday (10/10/14). We understand that this budget is the final budget to complete the 10th Malaysia Plan (10MP) and serves as basis for planning and preparation of programmes and projects under the forthcoming 11th Malaysia Plan (11MP) that will be launched in May 2015. In this Budget, seven (7) main strategies were highlighted. These strategies are (i) strengthening economic growth, (ii) enhancing fiscal governance, (iii) developing human capital & entrepreneurship, (iv) advancing bumiputera agenda, (v) upholding role of women, (vi) developing national youth transformation programme and (vii) prioritising well-being of the Rakyat. The Budget has allocated a total of RM273.9b. Out of which, RM223.4b is set for operating expenditure, RM48.5b is prepared for development and RM2.0b is served as contingency fund. In the Budget, corporate and personal income tax cuts were announced and additional items that exempt from Goods & Services tax (GST) were clarified. It was announced that a new mechanism to provide petro subsidies to be developed as well. Within expectations, hence muted to equity market. In a nutshell, we believe that this Budget  nnouncement springs no surprises on the local equity market. This is because most of the “goodies” have no significant impact to corporate earnings.

Besides, the “goodies” for the Rakyat may also be neutralised by the implementation of GST in early-2Q15. Furthermore, both tax cuts had also been announced in the 2014 Budget and the positive impact could have factored into analysts’ forecasts earlier. Thus far, we maintain our FY14E and FY15F net earnings growth rates of 4.9% and 11.3% respectively.

We also do not foresee strong inflow of foreign capital in the near-term, as the prospect of stronger sovereign rating inline with the continued improving fiscal deficit could have largely priced in as well. As for impacts to various sectors (see Appendix for details), we believe the Budget is generally NEUTRAL to most of the sectors. However, we do see some sectors with positive tone. These sectors are: (i) Building Materials, (ii) Construction, (iii) Gloves, (iv) Plastic Packaging, and (v) Semicon and Telco. Both building materials and construction sectors are believed to be beneficiaries from a number of major infrastructure projects including: (i) 4 new expressways, (ii) upgrade of east coast railway line and (iii) expansions of MRT & LRT light rail services. Gloves, packaging and semicon players are expected to benefit from an automation capital allowance of 200% that will be provided on the 1st RM4m expenditure incurred within the period from 2015 to 2017. Telco, on the other hand, is expected to benefit from the High-Speed Broadband (HSBB) project and the building of 1,000 telecommunication towers as well as the laying of undersea cables. On the contrary, against  market expectations, we did not see much catalyst for the property sector. The announced Rakyat-friendly measures such as: (i) Youth Housing Scheme, (ii) PR1MA housing, and (iiI) People Housing Programme, are likely to have no meaningful impact to developers under our coverage. Recall that the market was expecting the relaxation of DIBS (Developer Interest Bearing Scheme) for 1st home buyers to purchase affordable housing and a review of RPGT (Real Property Gain Tax).

All in all, 2015 Budget is a non-event to the local equity market. We believe the direction of local equity hinges on external uncertainties and volatilities going forward. Thus far, FBMKLCI declined by 2.0% since end-September 2014 inline with the decline of 2.9% in Dow Jones Industrial Average. Having said that, our view and year-end target of 1,910 remains unchanged. We believe the domestic market will still be supported by the strong domestic liquidity position and the favourable seasonal pattern. Besides, as FBMKLCI is traded at 7% discount to its consensus target price of 1,945, the downside could be limited. Based on the track records between FBMKLCI and its consensus target, we believe any dips below 1,830 should serve as “Buying On Weakness” (B.O.W.) opportunities. Apart from YTD underperformers / laggards, we still like BARAKAH (OP, TP: RM1.74), COASTAL (OP, TP: RM5.94), GAMUDA (OP, TP: RM5.52), KSL (TB, TP: RM6.63), MUHIBAH (OP, TP: RM3.55), SIME, (OP, TP: RM10.10), SUPERMX (OP, TP: RM3.23) and VS (TB, TP: RM3.16). Our other 2 Top Picks - MBSB (OP, TP: RM2.65) and RHBCAP (OP, TP: RM10.00) – have performed well after the recently announced CIMB-MBSB-RHBCAP merger structure. As such, we are replacing these 2 Top Picks with MPI (OP, TP: RM6.72) and PMETAL (OP, TP: RM8.87).

DIVIDEN TINGGI UMPAN PELABUR

Bagaimanakah untuk mengenalpasti skim tidak sah?

Orang ramai dinasihati untuk berwaspada dan tidak terpedaya dengan skim tersebut. Sentiasa berhati-hati dan perhatikan ciri-ciri lazim yang terdapat pada skim ini seperti yang berikut:

·         Pengendali mungkin berhubung melalui surat, telefon, Internet atau secara bersemuka, namun niatnya tetap sama iaitu mendapatkan wang daripada mangsa yang tidak menaruh syak wasangka untuk barangan atau perkhidmatan yang sememangnya tidak akan disediakan.

·         Skim yang menjanjikan kadar faedah, pulangan atau keuntungan yang jauh lebih tinggi daripada yang ditawarkan oleh institusi kewangan berlesen untuk wang deposit mereka.

·         Janji pulangan yang tinggi adalah bertujuan untuk menarik minat orang ramai supaya menyertai skim ini dan pelabur mungkin tidak diberikan sebarang salinan dokumen termasuk perjanjian dengan pengendali tersebut.

·         Tiada jaminan bahawa pengendali dapat terus memberikan pulangan yang tinggi.

·         Pada permulaan skim ini, pengendali akan menggunakan wang yang diterima daripada pendeposit baharu untuk memberikan pulangan tinggi atau membayar semula amaun prinsipal kepada pendeposit lama.

·         Walau bagaimanapun, pengendali tidak dapat melaburkan deposit dalam usaha niaga atau pelaburan yang dapat memberikan pulangan yang sama atau yang lebih tinggi. Oleh yang demikian, pengendali tidak dapat mengekalkan pulangan yang tinggi atau membayar semula wang pelabur seperti yang dijanjikan.

Sila ambil perhatian bahawa skim ini akhirnya akan gagal apabila pengendali tersebut tidak menerima deposit baharu secara berterusan. Pada masa itu, skim cepat kaya ini akan gagal dan pendeposit atau pelabur akan kehilangan wang pelaburan mereka.

 

SKIM CEPAT KAYA YANG MASIH AKTIF

 

 

Baru-baru ini ada disiarkan dalam akhbar Berita Harian berkenaan 10 syarikat skim cepat kaya yang masih aktif. Sebenarnya di luar masih banyak lagi pergerakan skim cepat kaya yang silih berganti dari hari ke hari tiada penghujungnya.

Tapi yang peliknya, masyarakat kita sebagai pengguna, mengapa masih ramai lagi yang memilih jalan pintas untuk kaya! Sedangkan di negara kita ada peraturan dan mempunyai banyak syarikat perbankan yang menguruskan simpanan wang dan pelaburan yang berdaftar di bawah Bank Negara.

Sekiranya kita membuat simpanan ataupun pelaburan melalui perbankan yang berdaftar baha Bank Negara, Insya'allah ianya lebih selamat.......... Tentu anda tterfikir....adakah yang dimaksudkan selamat itu tidak rugi!

Sudah menjadi tabii nya setiap pelaburan pasti ada risiko . Risiko pelaburan adalah untung atau rugi. Tetapi sekiranya kita melabur di tempat yang berdaftar di bawah Bank Negara, setidak-tidaknya kita tidaklah rugi hingga berputih mata, kerana setiap simpanan dan pelaburan kita dipantau oleh bank negara.

Manakala sekiranya sesuatu institusi itu di sita @ diistihar muflis, maka asset pelabur tidak akan dibekukan , berbanding sekiranya kita menyimpan @ melabu ditempat yang tidak berdaftar di bawah bank negara.

PERTEMUAN DENGAN DENGAN SAHABAT BARU DI NEGERI HANG TUAH

Alhamdulillah kerana Allah mempermudahkan perjalanan hari ini dari Kuala Lumpur ke Bandar Melaka untuk bertemu dengan sahabat baru yang bekerja di Miri, Sarawak & pulang ke Kampung di Negeri Hang Tuah.

Seawal pagi selepas menunaikan Solat Suboh kami memulakan perjalanan untuk mengelakkan kesesakan lalulintas kerana temujanji yang dibuat pada pukul 10.00pagi.

Pertemuan ini bagi memperkenalkan Kenanga & fund yang ada sebelum beliau mula untuk melabur. Beliau yang sebelum ini pernah invest dalam beberapa fund di institusi pelaburan yang lain, kini ingin beralih angin untuk cuba melabur dalam Kenanga Syariah Growth Fund (KSGF) secara cash.

Didoakan agar beliau akan mencapai goal dalam pelaburan beliau.

SELAMAT HARI RAYA AIDIL ADHA 1435 H kepada semua pelanggan, & berhati-hati di jalan raya. . .. .