Tag Archives: return on investment

How Much Are You Worth?

How do you rate your value mostly? How do you figure out how much you are worth when it comes to your career? How much should you charge your client? Are you creating quality work for the money? Bear in mind that whenever people spend on you, you are being paid based the supply and demand of what you’re doing.

How Much Are You Worth

When you like to spend time with someone, it’s because you’ve measured your return on investment. A high ROI would mean delivering high value in return for a small investment within a short period of time. While a low ROI would naturally mean the reverse.

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The More We Spend The Higher Rate of Return On Investment Needed

I believe that those who are ‘thrify‘ will grow wealthy, and those who are ‘spendthrifts‘ will become poor. During my school time, i already have a game of adhering to my budget in which saving 50 cents out of my pocket money. As i known, the discipline of being able to control our spending and save consistently would make us success in the later stage.

big spend

For those who are from top management level who earn more than RM10k per month does not necessary that they can live wealthy. Let’s take an example, the managing director of a multinational corporation, who was earning RM120k per year. Given his hefty income, we expected him to have great substancial amount of money over the years, right? However, sometimes we may found that quite a great number of them whose total assets actually is less than RM500k while the net worth is less than RM200k. Plus, more than 70% of his net worth was from EPF savings.

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Public Mutual Fund Still No.1 In Malaysia Unit Trust Industry

As reported past few months, Public Mutual still maintains no.1 position in Malaysia’s Unit Trust industry. As you can see, this is a strong and stable company for investors during current market conditions.

My friends have been Public Mutual Fund agents for quite some time ago and I support them and invest in the unit trust until now. Of course, it will probably take some time before I get to see the results. So do you invest in unit trust? How’s the performance of your mutual fund?

My Latest Investment Date: 8th May 2009

Top Up Funds:
Public Asean Dividend Fund (well perform, highest NAV price was RM0.29, recommended to invest) – 1k.

Public Euro Pacific Fund (less performing) –1k

Public China Ittikal Fund – 1k.

Generally, the return on investment for mutual fund is higher than bank fixed deposit. However, mutual fund stands the risk of losing money whereas for fixed deposit 100% safe since it is capital guaranteed.

The return on investment more or less should be about the same, or maybe a little bit more if you invest in public mutual. Besides, you can buy and sell your unit at any time, so you have more control to buy units when the price is lower and sell them back when the price is higher. However, I suggest you don’t do so as it is a long-term investment and the fact that they charge you administration fee every time you top up or invest new unit trust.

New Way To Invest Public Mutual Fund With EPF

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