FIMM SARAN MELABUR DALAM UNIT TRUST & PRS

Persekutuan Pengurus Pelaburan Malaysia (FIMM) adalah organisasi pengawal seliaan sendiri yang diiktiraf oleh Suruhanjaya Sekuriti Malaysia (SC). Kita disaran agar melabur secara agresif dalam Unit Amanah & Skim Persaraan Swasta (PRS) sebagai persediaan menghadapi usia emas nanti.

 Inilah waktu yang sesuai untuk membeli Unit Amanah dan PRS kerana pasaran ketika ini adalah rendah FIMM terus memastikan bahawa perlindungan pelabur, keyakinan dan integriti pasaran dapat diteguhkan dan dalam masa yang sama menyokong pertumbuhan pelaburan Unit Amanah dan PRS

 

 

 

 

Kenanga Syariah Growth Fund: Highest Return & Low Risk

Tahniah sekali lagi kepada Kenanga Syariah Growth Fund (KSGF) kerana masih lagi mengungguli pelaburan jangka masa panjang dan telah menerima anugerah " The EDGE-Lipper Award Best Malaysian Equity Islamic fund For 3-Years & 5- Years untuk tahun 2011"

Untuk tahun 2011 KSGF memberi pulangan tahunan 16.93% dan di ikuti oleh Kenanga Islamic pada 13.01%. Walaupun KSGF  growth pelaburan dan memberi pulangan yang tinggi, tetapi KSGF dapat mengkalkan prestasi pelaburannya pada risiko yang amat rendah.

Sekiranya anda berminat untuk mencuba atau menambah pelaburan dalam unit trust, Kenanga Syariah Growth Fund adalah fund yang terbaik untuk dijadikan pilihan pelaburan anda kerana ianya memberi pulangan yang konsiten menurut lipper analys.

Kenanga Syariah Growth Fund Terus Mengekalkan Rekod Kecemerlangan Pulangan Tertinggi Bagi Tahun 2011

Kenanga Syariah Growth Fund (KSGF) mengkalkan kecemerlangan pulangan keuntungan tertinggi pada risiko yang rendah bagi tahun 2011. Pada akhir tahun 2011 KSGF memberikan 16.9% keuntungan tahunan sehingga diberi anugerah dana Unit Trust terbaik 2011. KSGF adalah dana Kenanga Syariah Growth Fund telah berada dipasaran semenjak 10 tahun yang lalu diuruskan oleh Kenanga Investors Berhad.

KSGF terus jauh meninggalkan fund yang lain pada 6% menyebabkan KSGF pada hari ini semakin dicari oleh pelabur samaada muslim atau non-muslim. Oleh sebab itu NAV KSGF pada hari ini tinggi RM 2.9589/unit. KSGF juga jauh kehadapan mencatat keuntungan pulangan berbanding FTSE Bursa Malaysia KLCI yang mencatat hanya 4.5%. Perbezaan ini amat ketara jauh iaitu 12.4%.

Table 1: Funds that have outperformed the KLCI

# Fund 2011 Return

1 Kenanga Growth Fund 19.1%
2 Kenanga Syariah Growth Fund 16.9%3 Prudential Equity Income Fund 10.7%
4 Alliance Optimal Income Fund 9.2%
5 Prudential Dana Al-Ilham 9.0%
6 AmIslamic Growth 6.0%
7 AmIttikal 5.4%
8 OSK-UOB Emerging Opportunity Unit Trust 5.2%
9 RHB Malaysia DIVA Fund 5.1%
10 OSK-UOB Malaysia Dividend Fund 5.0%

FTSE Bursa Malaysia KLCI 4.5%*

Walaupun KSGF memberi pulangan yang tinggi, tetapi kekuatannya mencatatkan risiko yang rendah juga faktor besar pelabur terus berminat untuk melabur dalam Fund KSGF. Pada kebiasaannya dalam pelaburan, piulangan tinggi risiko juga tinggi (high return, high risk), tetapi berbeza pada KSGF kerana ianya cukup cantik & hebat kerana pulangan tinggi tetapi risiko rendah (high return, low risk).

KSGF mencatatkan risiko yang begitu rendah iaitu 7.4% berbanding FTSE Bursa Malaysia KLCI

yang mencatatkan risiko 9.8%. Ini menandakan KSGF adalah Fund yang terbaik kerana setiap pelabur akan memilih untuk melabur dalam Fund yang paling rendah risiko kerugian.

Table 2: Downside Risks

# Funds 2011 Downside Risk*

1 Kenanga Syariah Growth Fund 7.4%2 Prudential Equity Income Fund 7.6%
3 Alliance Optimal Income Fund 8.2%
4 Kenanga Growth Fund 8.6%

FTSE Bursa Malaysia KLCI 9.8%

5 RHB Malaysia DIVA Fund 9.9%
6 OSK-UOB Malaysia Dividend Fund 10.1%
7 Prudential Dana Al-Ilham 10.4%
8 AmIttikal 10.4%
9 AmIslamic Growth 11.4%
10OSK-UOB Emerging Opportunity Unit Trust 16.2%

Source: Bloomberg, iFAST*Downside risk is the annualised standard deviation of daily losses

Oleh itu sebagai pelabur anda adalah berhak untuk memilih fund mana yang ingin dilaburkan. Manakala saya sebagai Perunding Kewangan Islam hanya boleh memberi gambaran tentang sesuatu pelaburan, dan mencadangkan fund yang terbaik, tetapi kuasa untuk memilih adalah di tangan anda.

Semoga anda akan menjadi pelabur yang bijak dalam menentukan masa depan kewangan anda.

Recommended Funds 2011/2012

FUNDS THAT WE RECOMMEND

We strive to analyze funds with as long a comparable history as possible and only within their peer group. For a look at our methodology, please go to here. Please note that while we hope that these recommendations would be useful for investors, you are also advised to look at the fund's prospectus and do your own further research before making your investment decisions.

We advise investors to have a diversified portfolio that is spread over the whole world. The recommended funds should not be seen as being recommended in isolation. These funds are what we would recommend amongst their peer groups if you would like to invest in a fund from a particular sector or region. So, if you are interested in funds from one region like Japan, then you can see the recommended funds we have within the Japan region. There is little basis of comparing a Japan fund with a Europe fund.

For investors who are also interested in an allocation to the various sectors, we suggest that you refer to our Sector Star Ratings page which shows our views towards the various regions. For aggressive investors who wish to take more risk for the purpose of potentially higher returns, you can take note of the articles we sometimes put out highlighting Fundsupermart's view of a particular region.

For a more detailed description of why we recommend any particular fund, please click on the recommended fund's name below:

Funds Recommended	Fundsupermart Risk Rating	Invested over the length of time						Buy?
		3 mth (%)	1 yr (%)	2 yr (%)	3 yr (%)	5 yr (%)	YTD (%)
Asia Ex-Japan Equity Islamic
Prudential Asia Pacific Shariah Equity Fund	8-High Risk	1.25	-5.55	-1.68	52.17	-	1.57
Asia Ex-Japan Balanced
OSK-UOB Asia Active Allocation Fund	6-Moderately High Risk	3.9	-7.99	-0.88	39.39	-	3.9
Global Balanced
RHB Global Multi Manager Fund	6-Moderately High Risk	1.94	-0.78	5.97	32.25	-	1.76
Malaysia Balanced
OSK-UOB KidSave Trust	5-Moderate Risk	4.4	5.33	20.15	53.15	65.91	1.4
RHB GoldenLife 2020	5-Moderate Risk	5.51	0.69	20.51	62.64	85.97	0.4
Malaysia Balanced Small To Medium Companies
OSK-UOB Growth And Income Focus Trust	6-Moderately High Risk	5.81	-1.02	13.69	30.87	54.62	2.76
Asia Ex-Japan Equity
Prudential Asia Pacific Equity Fund	8-High Risk	2.03	-9.44	-0.39	56.38	-0.57	5.81
Global Equity
Alliance Global Equities Fund	7-Moderately Higher Risk	1.13	-7.76	-0.21	44.57	-7.13	2.65
RHB Global Fortune Fund	7-Moderately Higher Risk	1.62	-2.3	-2.54	22.21	-22.83	0.28
Global Emerging Markets Equity
AmGlobal Emerging Markets Opportunities	9-Higher Risk	-0.38	-17.33	-14.45	45.17	-	3.64
Malaysia Equity
Areca Equity Trust Fund	8-High Risk	4.89	-3.27	23.43	77.37	-	-0.12
Kenanga Growth Fund	8-High Risk	9.49	20.06	57.02	113.66	107.69	1.08
Malaysia Equity Small to Medium Companies
OSK-UOB Emerging Opportunity Unit Trust	9-Higher Risk	10.03	4.35	26.65	58.73	72.23	2.6
Asia Bond
Alliance Asian Bond Fund	4-Moderately Low Risk	-1.05	3.6	0.46	3.36	12.45	-0.44
Malaysia Bond
AmBond	1-Lower Risk	1.46	6.27	12.97	19.31	31.61	0.6
AmDynamic Bond	1-Lower Risk	3.07	11.02	21.33	32.51	50.43	1.22
Global Equity Islamic
AmOasis Global Islamic Equity	7-Moderately Higher Risk	-1.29	-8.18	-12.08	15.7	-25.96	-0.64
Global Balanced Islamic
OSK-UOB Muhibbah Income Fund	6-Moderately High Risk	0.59	-2.49	1.63	11.46	-	1.41
Malaysia Balanced Islamic
Prudential Dana Dinamik	5-Moderate Risk	6.61	10.27	25.72	54.73	49.39	0.81
Malaysia Equity Islamic
Kenanga Syariah Growth Fund	8-High Risk	8.43	17.41	50.5	100.36	96.91	1.11
Prudential Dana Al-Ilham	8-High Risk	9.35	9.75	32.69	89.08	65.44	1.33

The figures in the above table were last updated on January 30, 2012

Please note

1. Investment involves risk. The price of securities may go down as well as up, and under certain circumstances an investor may sustain a total or substantial loss of investment. Past performance is not necessarily indicative of the future or likely performance of the fund. Investors should read the relevant fund's prospectus for details before making any investment decision. An Investor should make an appraisal of the risks involved in investing in these products and should consult their own independent and professional advisors, to ensure that any decision made is suitable with regards to their circumstances and financial position.
2. Performance figures are cumulative returns and calculated using NAV-to-NAV prices, in RM, with any income or dividends reinvested. Sales charge is not included.
3. All performance data are compiled by Fundsupermart.com, based on the prices from the fund houses.
4. The performance figures in the table above are calculated using bid-to-bid prices, with any income or dividends reinvested. Performance figures are cumulative.

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Malaysia Equity Islamic

Kenanga Syariah Growth Fund (Fundsupermart Risk Rating: 8-High Risk)  The Kenanga Syariah Growth Fund ranked second among Malaysia Equity funds for the past four-year and one-year periods ended March 2011. It was also the third best performing Malaysia Equity fund in 2010. The fund has the highest resilience during market corrections and downturns as it ranked first under our risk criterion, out of the 32 Malaysia Equity funds. However, the fund’s expense ratio was higher than the average of funds in the Malaysia Equity category. We like this fund for its relatively strong performance and high resilience. The fund invested 31.0% of its assets in the trading/services sector and 15.6% in the consumer products sector (as at 31 March 2011). Private consumption is expected to continue to be the key driver of Malaysian economic growth, while the Economic Transformation Programme (ETP) will be the main driver of the equity market. Corporate earnings from the key sectors that propel the equity market such as construction, oil and gas, plantation and banking are expected to grow as the ETP unfolds. Investors should note that single country equity funds tend to be more volatile than regional or global equity funds due to the lack of geographical diversification. However, as the fund’s exposure is mainly to the RM, Malaysian investors will not experience currency risk when investing in the fund.

Malaysia Equity

Kenanga Growth Fund (Fundsupermart Risk Rating: 8-High Risk)

 
The Kenanga Growth Fund ranked top among Malaysia Equity funds for the past four-year and one-year periods ended March 2011. It was also the best performing Malaysia Equity fund in 2010. The fund has high resilience during market corrections and downturns and ranked sixth under our risk criterion, out of the 32 Malaysia Equity funds. The fund’s expense ratio was slightly lower than the average of Malaysia Equity funds. We like this fund for its relatively strong performance, high resilience and moderate expense ratio.

The fund invested 31.4% of its assets in the trading/services sector and 16.5% in the finance sector (as at 31 March 2011). Private consumption is expected to continue to be the key driver of Malaysian economic growth, while the Economic Transformation Programme (ETP) will be the main driver of the equity market. Corporate earnings from the key sectors that propel the equity market such as construction, oil and gas, plantation and banking are expected to grow as the ETP unfolds. Investors should note that single country equity funds tend to be more volatile than regional or global equity funds due to the lack of geographical diversification. However, as the fund’s exposure is mainly to the RM, Malaysian investors will not experience currency risk when investing in the fund.

TOP PERFORMING FUND 2011

TOP PERFORMING FUND 2011

Key Points:

• 10 funds beat the KLCI
• Top performing fund was Kenanga Growth Fund
• 4 funds had lower downside risk than the KLCI
• 1 small cap fund achieved higher gains but came with higher risks

As a continuation of a similar article we wrote at the beginning of last year, we reviewed the performance of the Malaysia equity funds on our platform. There was a lot of uncertainty in 2011 and 2012 is expected to be a continuation of previous years; no different in terms of the amount of volatility besetting the financial markets globally.

Though the FBM KLCI only gained 4.5% in terms of total return in 2011 (a pale comparison to 23.8% a year earlier), it was among the best performing markets under our coverage. Within the Malaysia equity space, how many funds on our platform bested the KLCI's performance? See Table 1 below for our findings.

TEN FUNDS OUTPERFORMED THE KLCI

Table 1: Funds that have outperformed the KLCI
#	Fund	2011 Return
1	Kenanga Growth Fund	19.1%
2	Kenanga Syariah Growth Fund	16.9%
3	Prudential Equity Income Fund	10.7%
4	Alliance Optimal Income Fund	9.2%
5	Prudential Dana Al-Ilham	9.0%
6	AmIslamic Growth	6.0%
7	AmIttikal	5.4%
8	OSK-UOB Emerging Opportunity Unit Trust	5.2%
9	RHB Malaysia DIVA Fund	5.1%
10	OSK-UOB Malaysia Dividend Fund	5.0%
	FTSE Bursa Malaysia KLCI	4.5%*
Unit trust performance is based on NAV with dividends reinvested *Based on total returns, i.e. inclusive of dividends reinvested Source: Bloomberg and iFAST

Top Performing Fund

The top performing fund - Kenanga Growth Fund - has been a fund that everyone at Fundsupermart unanimously loves and is also one of the top-selling funds on our platform. The fund manager is particularly proud that they "try to minimise as far as practicable the volatility" of their funds, and that investors "will notice that our funds in general have lower volatility than their peer group."

This concurs with our findings when we analysed the fund's performance in a Chart Talk article, in which we concluded that the Kenanga Growth Fund is a relatively slow and steady performer as shown by the data.

The top performing funds mostly had significant exposure to sin product manufacturers (i.e. breweries and tobacco companies), oil palm plantations, telecommunication services companies, commercial banks and real estate investment trusts (REITs), all of which performed particularly well in 2011.

 Going forward, we expect Malaysia's economy to grow at 4.0 - 4.5% year-on-year in 2012, with the economy supported by domestic consumption and private and public investments under the Economic Transformation Programme (ETP).

Islamic Funds For Muslims & Non-Muslims

Baru ini saya berjumpa dengan seorang prospek bukan Muslim, beliau berminat untuk melabur dalam Kenanga Investors Berhad. walaubagaimanapun beliau masih tercari Fund mana yang perlu dipilih untuk melabur! Lalu saya pun mencadangkan Kenanga Syariah Growth Fund. Persoalan yang timbul, Adakah Islamic Fund sesuai untuk bukan Islam?

Islamic Funds adalah untuk semua, sama ada untuk Muslim atau bukan muslim.Walaupun ianya mesti menepati syariah di bawah kawalan Syariah-Compliant  tetapi ianya tetap untuk semua. Akhir-akhir ini, masyarakat telah mengalih arah memandang Islamic Funds adalah pilihan terbai sekiranya ingin melabur.

Saudi Arabia adalah pelabur Kewanan Islam dunia paling terbesar dunia  anggaran USD 22.7 Billion dari 174 Fund. Manakala Malaysia merupakan kedua terbesar dalam pelaburan Kewangan Islam USD 5.1 Billion dan 184 Fund.

Dengan kehadiran Islamic Fund ini, pelaburan global bertambah lebih rancak dan menarik. Dengan itu para pelabur diharap tidak terlepas pandang paa Islamic Fund ini semasa membuat pelaburan kerana ianya akan memberi kesan yang besar  jangka masa panjang.

Islamic Fund terikat pada peraturan dan larangan semasa plaburan termasuk dilarang dari terlibat dalam perkara yang melibatkan Riba (interest), Gharar, berkongsi keuntungan dan kerugian melalui interest.

Syariah Compliant badan yang bertanggung jawab agar islamic fund di laburkan mengikut kriteria yang disyaratkan oleh pengawasan syariah melalui Penasihat Syariah. Dengan ini mereka perlu me,mbincagkan terlebih dahulu proses stock pelaburan yang diambil dari S & P (stock & poor) Syariah indeks, Dow Jones Islamic Market Indeks dan Securities Commision Malaysia.

Kesimpulannya, Islamic Fund yang dipantau oleh Securities Commission, adalah halal dan sesuai untuk Muslim dan bukan muslim. Setiap produk akan disahkan oleh Penasihat Syariah Company berkenaan. Dan yang paling menariknya kebanyakkan Islamic fund memberikan momentum yang besar dalam pelaburan dengan pulangan tinggi pada risiko yang rendah.

Semoga seamat memilih Islamic Fund yang lebih terjamin halal lagi bersih dan pulangan yang tinggi.

Tahniah ! Satu Pilihan Bijak Bagi Pelabur 2011

Awal tahun 2012,  Kenanga Syariah Growth Fund (KSGF) telah menunjukkan pelaburan yang amat memberangsangkan. diharapkan prestasi ini akan menjadi penanda aras bagi KSGF menempuh cabaran dalam tahun 2012.

Januari 2012 menunjukkan harga NAV KSGF RM 2.88/unit. menandakan satu peningkatan yang amat memberangsangkan. Oleh itu juga kepada semua pelabur KSGF anda patutnya mengucapkan tahniah kepada diri sendiri di atas satu tindakan yang bijak yang telah dilakukan.

Bayangkan sekiranya pada bulan September 2011 harga NAV per unit RM 2.65, tetapi and menangguhkan permulaan pelaburan , bermakna anda telah kerugian RM 0.20/unit.  Tapi sekiranya pelaburan itu dilaburkan RM 20,000.00 x 0.20, bermakna anda telah kerugian RM 4,000.00 sekiranya tidak melabur pada waktu itu.

Sebab itu, anda layak mengucapkan tahniah kepada diri anda atas kebijaksanaan dalam merancang kewangan masa hadapan. Semoga 2012 ini akan memberikan rangsangan yang lebih dalam pelaburan KSGF.

Harga Pasaran KSGF

Daily Prices History Kenanga Syariah Growth Fund

Sekiranya anda seorang pelabur@ masih tercari-cari tempat pelaburan yang sesuai, di sini saya coretkan untuk kajian tuan/puan performance harga bagi tempoh 3 bulan KSGF.

Kenanga Syariah Growth Fund   (Fund prices for the last 3 months) 
No.Bid/NAV Price Dealing Date

1.          2.878  January 19, 2012

2.         2.8781 January 18, 2012

3.         2.8744 January 17, 2012

4.         2.8673 January 16, 2012

5.         2.8806 January 13, 2012

6.         2.8823 January 12, 2012

7.         2.8806 January 11, 2012

8.         2.8812 January 10, 2012

9.         2.8793 January   9, 2012

10.       2.865   January   6, 2012

11.       2.8617 January   5, 2012

12.       2.8559 January   4, 2012

13.       2.8537 January   3, 2012

14.       2.8631 December 30, 2011

15.       2.8441 December 29, 2011

16.       2.8387 December 28, 2011

17.       2.8345 December 27, 2011

18.       2.8311 December 23, 2011

19.       2.8267 December 22, 2011

20.       2.8228 December 21, 2011

21.       2.8159 December 20, 2011

22.       2.8198 December 19, 2011

23.       2.8206 December 16, 2011

24.       2.8156 December 15, 2011

25.       2.8118 December 14, 2011

26.       2.8136 December 13, 2011

27.       2.8051 December 12, 2011

28.       2.7932 December   9, 2011

29.       2.7967 December   8, 2011

30.       2.8011 December   7, 2011

31.       2.7903 December   6, 2011

32.       2.7923 December   5, 2011

33.       2.7871 December   2, 2011

34.       2.7847 December   1, 2011

35.       2.7806 November 30, 2011

36.       2.7562 November 29, 2011

37.       2.7454 November 25, 2011

38.       2.7563 November 24, 2011

39.       2.7481 November 23, 2011

40.       2.7523 November 22, 2011

41.       2.7502 November 21, 2011

42.       2.7546  Novembe 18, 2011

43.       2.7558 November 17, 2011

44.       2.7512 November 16, 2011

45.       2.7445 November 15, 2011

46.       2.7402 November 14, 2011

47.       2.7145 November 11, 2011

48.       2.7019 November 10, 2011

49.       2.7105 November   9, 2011

50.       2.7024 November   8, 2011

51.       2.6985 November   4, 2011

52.       2.6841 November   3, 2011

53.       2.6961 November   2, 2011

54.       2.705   November   1, 2011

55.       2.7137 October     31, 2011

56.       2.7109 October     28, 2011

57.       2.698   October     27, 2011