Benefit from Dollar Cost Averaging for Unit Trust Investment

      
Table above show no matter in UPMarket or DOWNMarket, Dollar Cost Averaging can benefit you to average your purchase cost and aid you to earn more in market perform.

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Public Series of Funds opened for EPF Members Investment Scheme

1. Public Aggressive Growth Fund
2. Public Dividend Select Fund
3. Public Equity Fund
4. Public Focus Select Fund
5. Public Growth Fund
6. Public Industry Fund
7. Public Savings Fund
8. Public Ittikal Fund
9. Public Balanced Fund


Funds above  have the mandate to invest up to 30% of the fund’s NAV in overseas markets.
Horray! For existing or new investors who looking for invest in oversea markets, now its a great chance for you!

Public Indonesia Select Fund (New Launching) - 1 September 2010

Main features

PINDOSF is an equity fund that seeks to achieve capital growth over the medium- to
long-term period by investing in a portfolio of investments primarily in the
Indonesian market.
􀂃 To achieve increased diversification, PINDOSF may invest up to 30% of its net asset
value (NAV) in the Malaysian market and other global markets.
􀂃 PINDOSF’s equity exposure: generally range from 75% to 98% of its NAV.

Performance of the Indonesian market compared to other ASEAN markets

Table 1: Performance of Selected ASEAN Markets
                          Performance (%)#
Market            2009      2010 YTD*
Indonesia         114.7     17.5
Thailand           68.5       12.1
Malaysia          45.2       6.5
Philippines        65.9      6.4
Singapore         67.1      -1.2

Source: Lipper, July 2010


PINDOSF would focus on sectors that are



Sector                                                                                             Rationale
Banking & finance                                             Strong growth in banking sector loans and
                                                                            financial services.
Commodities                                                     Strong output growth projected.
Building materials (cement & steel)               Beneficiary of sustained infrastructure spending.
Consumer (auto)                                             To benefit from improved purchasing power.

Performance of PINDOSF’s Benchmark

Benchmark
Total Return* (%)
                                                       1-Year        3-Year          5-Year
Jakarta Composite Index            37.16          25.49            139.75

Past 10 Years EPF Distribution

Especially for EPF members, nowadays EPF can't afford pay more than 6% interest to their members. Why? Any way can get better return? Now EPF allows their members to withdraw account 1 to do investment. What's the investment? Answers: Unit Trust. Why invest in Unit Trust? Unit trust can pay you better return compare with EPF. So, Public Mutual is one of the institution that provide EPF investment scheme which allow EPF members to invest in unit trust to gain their wealth. As we know that once we reach years of 55, majority of EPF member within 3 years will finish spend their funds. So why not you invest in unit trust to get your money more valuable. So, grab the opportunity to know more details about unit trust investment scheme today!! Below is past 10 year EPF interest rate.

Year	Rate
2001	5
2002	4.25
2003	4.5
2004	4.75
2005	5
2006	5.15
2007	5.8
2008	4.5
2009	5.65

Plenitude

It's a potential construction company which eps RM0.591 FYE 2009. Currently its share price from its low RM2.78 till RM3.85 (total up 30%++). PE only 6.5 consider low. So, hurry grab for this jewel stock. Recommend BUY. TP:RM4.50. Below table show the financial for 5 years.

Public Mutual

Why choose Public Mutual?
Public Mutual is a leader among the Institution. It provide a potential return for your hard earn money. Do you want to see your hard earn money to get better return? So, now join or sign up for Public Mutual Investor to enjoy high return of investment. Besides this, we have lot of plan, like education plan, retirement plan, financial freedom and so on. So, wait for what? Grab the opportunity to accumulated your wealth in your early age. Don'y wait till you have money then only invest cos it maybe too late. Everyone from graduated step to community circle will have lot of commitment. So start saving/invest your money when you're free of commitment and still single. Our income only one way in but many way out, so just save minimum amount to accumulate your wealth.

Comparison between Unit Trust, EPF & Fixed Deposit

How much Unit trust, EPF & Fixed Deposit pay you return? Below table shown the difference among 3 types of saving.

For table below show you monthly save for RM200 then how much you will get in particulars years.

Years	Unit trust ( 8-15% )	EPF ( 4-5% )	Fixed Deposit ( 2-3% )
5	17,640	15,360	13,920
8	35,520	28,416	24,384
10	51,840	39,120	32,160
20	223,680	127,200	86,880
35	1,242,360	463,680	236,040
Which of the above you will choose?

Distribution FYE 31 July 2010

Fund                       G.Distribution (sen)
------------------------------------------
PISBF                            5
PFEPRF                       0.5
PIIF                              3.5
PGF                               5
PIOF                            2.5
PISEF                          1.25
PBond                           5

Next Stop Yogyakarta

I have plan to there ard March 2011. I wish can visit there!!

MAS fare
RM300+ (Return)

very cheap,right?? HAHA :P

Bali Trip 2010

 

Bali  itinerary

17 Jun 2010

0850hrs Depart from KLIA
1150hrs Arrive Denpasar Airport
1305hrs Check in Masa Inn (rph 375k)
1330hrs Lunch at Bamboo Corner (rph25k)
1410hrs Start our journey
GWK (rph 50k)
Uluwatu temple (rph 3k)
Padang Beach
Dreamland main entrance (passby)
Dinner at Jimbaran (rph 300k+)

18 Jun 2010
0910hrs Check out and on the way to Ubud
Barong Dance Performance (traditional legend rph80k)
Coffee Plantation (Lemon Honey rph35k)
Kintamani (rph15k)
Mt. Batur (rph6k)
Buffet Lunch at Mt.Batur (rph 165k)
Tirta Empul (rph15k)
Tegalalang
On the way shop at tegalalang art street (quite cheap)
Dinner at Bebek Bengkil (rph162k)
Unlucky that the hotel I book Hibiscus Inn (Hibiscus Cottage) fully booked
check in Puri Garden Hotel (rph468k/usd 52_deluxe)

19 Jun 2010
0930hrs check out and transfer to opposite hotel Greenfield
1005hrs check in Greenfield (rph 250k)
On the way visit painting shop
Tanah Lot (rph 10k)
Shop at local Souvenir Center (Very cheap)
Lunch at Strawberry Stop (rph33k)
Pura/Lake Beratan (rph10k)
Time is too late so just give up to Tmn Ayun/Gao Gajah
Dinner at Pizza Bagus (rph 62k)

20 Jun 2010
0920hrs Shop at Ubud Market (Very expensive)
1050hrs check out hotel
1145hrs Massage at Kuta area (rph100k/1hr_Not that cheap)
1355hrs Arrive Airport (Unlucky that flight reschedule to 1920hrs, wait for 5hrs)
2210hrs Arrive KLIA

Total Expense RM2000+ included Transport, Accommodation, Entrance fee, Food & Souvenir. (For 2person)
Transport MAS fare RM250 (return), Local tour rph500k+,Airport transfer KLIA-HOME RM100+
Accommodation at Masa Inn quite near Kuta beach and bamboo corner, Puri Garden Hotel force to stay cos is too late we reach the cottage I booked,  cos the price quite expensive to me but luckily the service is good enough and at the strategy place to anywhere nearby ubud . Hibiscus Inn/Cottage I booked early Mar/Apr, I have email and call for reserve but when I reach, she say not in her record, too bad experience cos that night have long-lasting raining and force to stay Puri Garden Hotel. Hibiscus Cottage is quite far from main road cos need to walk 5min to go in homestay. The environment quite good cos is surrounded by green field. Next day morning shift to Greenfield. Greenfield only cost rph250k, quite cheap cos just opposite Puri Garden hotel and next to Tegal Sari. They have provide free shuttle within Ubud area.
Interest Place GWK not worth to visit cos the entrance fee is too expensive and nothing to see inside. Coffee plantation also nothing to see, just you can taste the difference type of coffee, chocolate and lemon tea. The coffee is not any special. Strawberry stop strawberry juice very nice and the weather is cool.(Bring sweater cos the place is like Cameron Highland. On the way to Strawberry stop, pls eat some food cos take quite long time to reach the place. There have a place in tegalalang the way back to Ubud supply local art product, quite cheap. Barong dance performance also quite expensive cost rph80k, if you are not interested can skip it.
Our driver quite good just too quiet, cos the place he bring us are consider cheap, like jimbaran dinner, Mt. batur buffet lunch and local souvenir shop (Ole-ole is Indo souvenir shop).

Here are some my bali trip memorial picture to share..

Day 1

 Bali Airport (Welcome Door)

 Generous Animal at old timer in Bali (Barong)

 Uluwatu Temple (beware of monkey & local guide)

 The path to Padang Beach

 Padang beach sunset view

  GWK (Garuda Wisnu Kencana) **nothing to see cos only have few stone decoration & entrance fee rph50k (expensive)

 Dreamland (We're not visit, just capture picture at main entrance)

 Jimbaran beach (having romantic dinner cos have a group of musical player will sing during having your seafood dinner) :)


Day 2

 Kintamani (Mont' Batur)

 Tirta Empul

 TegalalangDay 3

 Tanah Lot 

 Tanah Lot (Wave is damn high, be alert while you take picture)

 Strawberry stop having our lunch  (Starwberry juice very nice, the weather damn cool...)

Remark: Pls bring some food or take food before you on the way to Lake Beratan cos it takes few hours to reach

 Danau Beratan (Here have strawberry to sold cost only rph5k, cheap)

 Lake Beratan (Very Cool Place)

 Fruit Stall (The way to Mt.Batur)

 Crispy Duck












Balinese Mixed Rice Nasi Goreng

Do you think enough $ for you after retirement on aged 55?

According to EPF statistics, members have an average savings of RM132,539.78 at age 55. Given that an individual can live for about 20 years after retiring, this only leaves him with a mere RM552 per month to live on.Furthermore, Malaysians, generally do not do much financial planning for retirement. HOW ABOUT YOU?

期望

什么是期望？

你期望些什么？物质上享受还是变成有钱人？我想每个人都期望得到越多越好。只因人永远不会满足所以才会期盼将来得到更多。那是一件好事还是坏事？其实，期望可以让一个人更加积极地面对当前或将来事与物。期望得到一所梦寐以求的房屋，一架高贵房车，一举成名。。。还有更多。期望得到一些东西让你的人生有了梦想及目标。那你就会朝着这个方向前进，不断地求进步及吸收更多的知识。以便在不久的将来能够成为一位成功人士。

你选择"人赚钱"或"钱赚钱"

每个父母都希望自己的孩子努力读书，考进大学，然后进入社会找份好工作。
这种想法无可厚非，但是，如果换一个角度来看，这就等于说，每个父母都希望自己的孩子将来帮人家打工，安分的做个上班族。说的更清楚一点，那就等于说，每个父母都希望自己的孩子将来是员工，不是老板。员工和老板有什么分别？分别可大了，最大的分别是，员工是“人赚钱”，老板是“钱赚钱”。员工要朝九晚五的去上班，靠人力赚钱，这就是所谓的“人赚钱”。

而老板付出金钱，请员工帮他赚钱，这就是所谓的“钱赚钱”。
员工的“人赚钱”是有限的，因为他只有两只手，能做的就这么多，而且手停口就停，要永远的做下去，一直到退休的年龄。终其一生，员工的时间是被老板支配，无奈，这就是
“人赚钱”应该付出的代价。
而老板的“钱赚钱”是无限的，十个员工不够用，还可以继续的聘请，要上百，上千都可以。生意越做越大，员工越请越多，老板赚点钱就越多，最重要的是，老板的时间是掌握在自己的
手上，只要可以找到好的员工帮他料理生意，他要去云游四海都可以。

显而易见，做老板是比做员工好很多，但是，很少有父母会勉励自己的孩子，努力的读书，将来好做个老板。是不是很奇怪？天下的父母都是一样的，他们只希望自己的孩子将来是做员工，
不是做老板。

为什么会这样？那是因为多数的父母都只懂得“人赚钱”，所以孩子们也跳不出这框框。父母从小就灌输孩子将来要做个好员工，这种思维根深蒂固，对孩子的影响肯定很大，怪不得这世上，
穷人永远比富人多，因为员工的人数肯定是比老板多。

Do I Need Personal Financial Planning?

“Planning for a secure financial future is not easy”

• Maybe you're saving to buy your first home. 
• Perhaps starting your own business is a dream. 
• The costs of a college education have spiraled and you may wonder how you will pay for your child's education. 
• You will probably live longer. Additional years after retirement can cost more than originally planned. 
• Your EPF may not be enough to maintain your standard of living after retirement. 
• Complex financial marketplace and changing tax laws make it difficult to understand your financial picture. 

Everyone needs to plan for tomorrow. At every income level, there are steps you can take to make more efficient use of your assets and to ensure a secure financial future. It helps to develop well-defined goals and to map out appropriate strategies to turn your dreams into reality. The answer can be personal financial planning.  
 

What is personal financial planning?

Personal financial planning is a process, not a product. It is an organized, well-planned system of developing strategies for using your financial resources to achieve both short- and long-term goals. You may think of the process as helping you to answer three straightforward questions:

• Where am I? 
• Where do I want to go? 
• How do I get there? 
• When should I start planning?

It is important to start planning for the future as soon as you can. Time passes quickly - it is never too soon to start planning for tomorrow.  
 

Who should prepare my personal financial plan?

A well-qualified financial planner should work with you to prepare your plan. A financial planner combines the objectivity and trust long associated with the financial planning profession and the financial savvy developed through years of experience and expertise in personal financial planning. 
 

What should it include?

A comprehensive financial plan - one that addresses your entire financial picture - should include a review of your net worth, goals and objectives, property and other assets, liabilities, cash flow, investments, retirement planning, estate planning, tax planning and insurance needs, as well as a plan for implementing your goals.  
 

I don't have a lot of money. Do I need a full-scale financial plan?

You may not. You can seek out different levels of financial planning advice, from counseling on a particular issue to comprehensive planning. Speak to the financial planners you are considering and discuss with them your budget. You should be able to find one who meets your needs. 
 

What role does goal-setting play in financial planning?

It is important to list both short- and long-term financial goals on paper. You can then rank the importance of the goals. If you are saving toward something tangible, instead of just saving, it may be easier. These goals could include: available cash for emergencies, education for children, care for family members, retirement, a nest egg to permit a career change, acquiring or selling a business, estate planning, financial independence or personal objectives such as a special vacation or second home.  
 

How do I know how much I am worth?

One of the first things that you should do in reviewing your financial situation is to determine your net worth. Many people are surprised to find out how much they are really worth. 

First, estimate the value of your assets. If you have owned your home for a number of years you may be sitting on a nice nest egg. Several different real estate appraisals will help you determine its worth. Organize bank and brokerage statements and record their value. Don't forget assets in EPF. List your liabilities such as mortgage, car loans or credit card debt. Subtract your liabilities from your assets and you will have a good estimate of net worth.  
 

How can I plan for tomorrow when I can barely pay for today?

Create a budget. Determine what you actually spend each month. It is easy to keep track of large expenses such as mortgage andcar payments. The variable items such as food, clothing and entertainment are often what get away from us.  
 

How much should I be saving?

It is hard to apply a rule of thumb toward savings, because it varies with age and income level. Ten percent is a good start. If that amount is too high for you, don't let that deter you. You can start by putting a little money aside each month and slowly increasing it.  
 

How does insurance fit in to the process?

Evaluating your insurance needs is part of personal financial planning. The insurance industry has changed a great deal over the past few years and there is a wide array of new products. Some of them may be better options than your current coverage. Your financial planner can work with your insurance agent to see if you have adequate coverage.  
 

What type of advice can I expect from a Financial Planner?

You can expect objective financial advice that is tailored to meet your financial goals and objectives, as well as the level of risk with which you are comfortable. Depending on your unique situation and goals, your financial planner may confer with your attorney, stockbroker, insurance agent and other investment advisors to achieve the best plan for you.  
 

After a plan is developed, what happens next?

The best plan is useless unless it is put into action. A financial planner can advise you how to implement the plan and can put you in touch with other financial experts as needed.  
 

How often should I update the plan?

It is good to review the plan when there is a significant life event such as marriage, birth, death or divorce. Any change in financial position should be evaluated as well. Many people have an annual update that reviews how the plan is being implemented. The review also considers changing goals and circumstances.

How to Plan for Your Child Education Fund

Children and their education are extremely high priorities for many families. Many are aware that it can cost a fortune to support their children especially for higher education. The cost of higher education has increased dramatically in the recent years. This can result in a tremendous financial drain for a family with college age children.

How Much is Needed?

Generally, the following costs will be needed - tuition fees, books & supplies, travel costs of child including costs of travel of parents & family, and accommodation & food. 

The cost of tertiary education can knock a sizable hole in your savings! See below chart:
 

Year	Malaysia	Australia	US	UK
2000	RM50,000	RM194,000	RM271,000	RM306,000
2004	RM73,700	RM285,000	RM398,000	RM451,000
2009	RM108,200	RM419,000	RM584,000	RM662,000
2014	RM159,000	RM615,000	RM858,310	RM973,000

Living expenses, books, travel costs

If the child is sent overseas, it depends on where. The costs of living expenses, books and travelling also vary significantly. 

For popular destinations like UK, living expenses can be GBP5,000 per year. This approximates to a cost of RM30,000 per year. For Australia, living expenses can be A$10,000 per year. At an exchange rate factor of 2.3, it can cost RM23,000 per year. For this economic reason, many Malaysian parents send their children to study in Australia even though the preference is to study in UK. 

8 Things To Know When Investing In Unit Trust

1. Evaluate the unit trust you are investing
2. Understand your risk profile
3. Track record of the fund manager
4. Look at the cost of operating a unit trust fund
5. How much are you paying the fund managers?
6. Read widely by reading reports on investments news
7. Make sure you read the prospectus
8. Continue to review the fund manager performance by reading reports

Tax Exempted for Unit Trust Earning

The taxation of unit trusts is governed by Section 61 of the Income Tax Act, 1967 (“the Act”). The income of unit trusts is assessed and charged to tax separately from the income of the unitholders. The income of a unit trust may consist of dividends, interest or profit and gain from sale of investments and returns on bonds.
Gains on disposal of investments by the unit trust will not be subject to income tax. The only exception is
where the investments represent real properties or shares in real property companies and the gains on disposal of
such investments will be subject to real property gains tax (“RPGT”) at rates ranging from 5 percent to 30
percent depending on the period of ownership. Due to the Malaysian Government’s efforts to promote unit trusts, most of the income received by unit trusts will be exempt from income tax.

Pelaburan Unit Amanah

"Strategi Berkesan Bagi Memaksimumkan Keuntungan Pelaburan Unit Trust Samada Melalui KWSP @ Tunai. Khusus Untuk Kakitangan Awam & Swasta!"

"Peluang Menjana PENDAPATAN, Ramai Yang Mahu Tetapi Tidak Tahu.."

What’s Unit Trust?

Unit Trusts are a form of collective investment that allows investors with similar investment objectives to pool their funds to be invested in a portfolio of securities or other assets.
A professional fund manager then invests the pooled funds in a portfolio which may include the asset classes listed below:
• Cash
• Bonds & Deposits
• Shares
• Properties
• Commodities

Benefit of Invest in Unit Trust

 Affordability

Unit trusts are very affordable. Investors can start with an investment amount as low as RM100.
Diversification
Rather than concentrating an investment portfolio of one or two investments or shares, a portfolio of market securities can be held. The wider the spread of investments, the less volatile (i.e. variable) the investment returns will be. In simple terms, investment into unit trusts means diversification of risk: "not putting all your eggs in one basket."

 Liquidity

Most investors prefer their investment to be liquid. That is, they can easily buy and sell without difficulties. Unit trusts provide this benefit, easily bought and sold. An excellent return that cannot be "cashed-in" (i.e. sold) does not necessarily mean a good investment as poor liquidity constitutes an additional risk factor for the investor.

 Professional Fund Management
The people entrusted to manage unit trusts are approved professionals. Their training and background ensures that decision making is structured and according to sound investment principles. In the process, unit trust funds enjoy the depth of knowledge and experience that fund manager can bring. In the long term, it is this expertise that should generate above average investment returns for unit trust investors.

 Investment Exposure
For the individual investor, it is sometimes difficult to gain exposure to a particular asset class. For instance, if an investor with RM5,000 wants to gain exposure to the Malaysian property market, global equity markets and the Malaysian bond market, it would be impossible to simultaneously hold a direct investment portfolio in all of these markets. With unit trust investments, it is possible to spread your money around to all of these asset classes at the same time, so that the investor can gain the investment exposure he requires.

Wholesale Investment Costs & Access to Other Asset Classes
When making direct investments in the Bursa malaysia, the investor faces costs and charges that are much higher. With unit trust the economics of the transaction are more favorable i.e. the fees and charges/brokerage etc. per investment ringgit are likely to be less. Because fund managers invest in larger amounts, they are able to get access to wholesale yields and products which are impossible for the individual investor to obtain. For instance, unlike unit trust funds, most individual investors cannot have direct access to the Malaysian Government Security market because, amongst other reasons, the amount of each transaction could run into millions of Ringgit.


Understanding Risks

 Market Risk

Any purchase of securities will involve an element of risks, As unit trust funds principally invest in listed stocks they may be prone to changing market conditions as a result of global, regional or national economic conditions, governmental policies or political developments. Market uncertainties and fluctuations in the market caused by these uncertainties will affect the net asset value(NAV) of unit trusts which may fall or rise, thus causing the income generated by the fund to fluctuate.ing from funds with higher risk, higher returns to funds with lower risk, lower returns.

 Liquidity Risk

The various securities that are purchased by a fund may encounter liquidity risk. Liquidity risk relates to the fund’s ability to quickly and easily trade at a reasonable price, in and out of positions. Should a fund comprise a security that has become temporarily or permanently illiquid or difficult to sell, the fund manager may need to sell the security at a discount to its fair value, which eventually affects the fund’s value.

 Management Risk
Performance of the fund depends on the experience, expertise, knowledge and investment techniques of the fund manager. Poor management of a fund can cause considerable losses to the fund, which in turn may affect the capital invested.

 Inflation Risk

Ideally the purpose of any investment is to secure returns that are greater that the inflation rate. While a fund will constantly seek to maximize returns and exceed inflation rate, it may occasionally experience losses, which result in returns that will not keep pace with inflation in the short run.

 Interest Risk

Fixed income securities and bonds are particularly sensitive to movements in interest rates. When interest rates rise, the value of fixed income securities and bonds fall and vice versa, thus affecting the NAV of the fund. The general interest rate environment of the country may affect the value of the investment even if the fund(e.g Syariah Fund) does not invest in interest bearing instruments.

学习改变

有两个乡下的年轻人（甲与乙），一起挑水去诚里卖。一桶卖一元，一天可以挑二十桶。

有一天，甲：我们现在每天可以挑二十桶，但我们老了还有能力挑二十桶吗？ 我们为什么不挖一条水管到城里，这样以后就不需要这么累。
乙：可是如果我们花时间去挖水管，那么一天就赚不到二十元了。乙不同意甲的想法，所以就继续挑水，而甲则开始每天只挑十五桶，利用剩下时间去挖水管。

五年后，乙继续挑水，但只能挑十八桶二甲则通了水管，每天只要开水龙头就可以赚钱。

结论：我们一般人都像乙，每天把时间花在公司上班及加班，为的是赚眼前的那几十或几百元。为什么我们不能像甲那样，拿出一点时间投资在自己的未来。况且公司只能保障你现今生活而不是你未来的生活。自问为何我们要把时间交给别人，而不自己充实自己。如果我们把一些时间投资在学习上，我们可以学到另一种能力，另一种别人无法取代。也许短期里看不到效果，但学成之后就可以掌握自己的未来。那岂不是更好吗？最后，如果你不满意你现在的生活，那么从今开始就学习改变吧！

完。

Bad Habit

Do you have bad habit? My bad habit as below:-

LAZY
NOT BE PUNCTUAL
DELAY TO FINISH JOB


to be continue...

How to allocate your assets?

Stocks, bonds, and cash are generally known types of assets. These are the type of assets that investors would usually choose from when they invest for retirement or a college savings plan. Some investors may add other types of assets in their like gold or other precious metals, real estate, and other commodities.

Investing in different type of assets will also have various level of risks so prior you make a choice of any investment, you need to research well and understand the uncertainty of the investments. It is nice to think of the profits that you'll be making out from your investments but you also need to consider the risks involved. Weigh it appropriately how much money you can afford to lose from your capital investment.

A lot of investors use asset allocation as a technique to diversify the various types of their investment assets. On the other hand, some investors purposely don't use asset allocation method because of certain reasons. For example, if you are an investor who wants to save for a down payment on a house for your family then investing completely in cash equivalents like in savings deposits, certificates of deposit or money market funds could be a good choice for you.

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Enjoy special service charges
for investments into
Public Islamic Asia Leaders Equity Fund
(PIALEF) during offer period.

Investment amount per transaction	Special Service Charge
RM5,000 to RM9,999 per transaction	5.25% of Initial Issue Price per unit
RM10,000 and above per transaction	5.00% of Initial Issue Price per unit