Ada satu mamat ni bagitau kawan dia rugi kat http://myunittrust.com/public-mutual-agent/comment-page-6/#comment-31833 so I kena analyse lah. You too can analyse.

Everybody can go to public mutual website. Then click http://www.publicmutual.com.my/OurFunds/FundPerformanceChart.aspx

Select which fund do you like. You can try Public Islamic Select Entreprise Fund. And the result is shown below.

From the chart above you can see how much is the return. So rugi ke tak kalau invest in unit trust dalam 3 tahun…

p.s. Arif Ismail and Caliph unit trust consultants conduct a free weekly seminar on How to Become a Successful Unit Trust Consultant at Public Mutual Cheras and Public Mutual Shah Alam on Saturday 1145 am and Friday 9:15pm respectively. Click here for detail.

Many people wonder how much money the unit trust consultant get. Here I share with you how much you will get. It varies on your effort.

Many of the unit trust consultants earn more from the above illustration because the above calculation does not include other 5 types of income that we will discuss it during our unit trust seminar to become a succesful unit trust agent.

You can download a MS Excel file for you to play around the figure here How to Calculate Your Commission

p.s. Arif Ismail and Caliph unit trust consultants conduct a free weekly seminar on How to Become a Successful Unit Trust Consultant at Public Mutual Cheras and Public Mutual Shah Alam on Saturday 1145 am and Friday 9:15pm respectively. Click here for detail.

Brainstorming by IWGoC GAM Farah

Recap April’s Leaders Meeting

• Recruitment decrease 500 to 400
• CPD issue expected to reduce agency force by 10k
• SD issue expected to reduce agency force by 10k
• Hanya 17% dah submit SD for existing UTC
• Issue unit trust agent menyamar jad ‘agent EPF’
• Discussion on agent yang kena terminate
• Management considering to buy EPF kiosk
• Issue agent yang buat other investment services or MLM
• UTC doesn’t make need base analysis to the customers – the may imply it to UTC-Client
• A lot of pre-sign forms
• PRS something like EPF choose Public Mutual as one the associate with them

Halfest

• Confirmation of Attendance by GAMs
• Bayar by 7 June 25pax only RM300

JCHI Family day

• Date : maybe 30^th June
• Venue : Bagan Lalang
• Dateline : 7^th June
• Raimy, Nazri, Arif, Jas, Shahril, Wan Suzana, Farah, Cikgu, Hasimah, Habibah
• RM 170 per chalet
• RM 35 (breakfast, tea-break, dinner) – lunch (sendirian berhad)
• RM 89 per campri (2 person only)

TM booth

• Payment to Hazah PBB 4861767005
• RM 100 per person monthly
• Tuesdays to Fridays 9am to 5pm
• AJK Caliph : Zarif & Hazah
• AJK JUST : Kak Ton
• AJK HC : Hasimah & Anis

Goal Setting

• Shall do it at Hotel Flamingo RM100 (2 Tea-breaks, Lunch, PA system)
• 12^th January 2013

Reminder

• NSC Points for April not inclusive of submissions after cut-off date
• NSC 19^th May at PICC
• AAN 20^th May at MIECC
• Invitation card at car dashboard then can get free parking
• No Coaching (Saturday) & Brainstorming (Monday) this week.

Market update

China

• cut interest rate because similar to OPR in Malaysia, they realise deposit of cash decrease YOY -0.5%
•  Property market severe – slowing down
• Wage pressure – profits of companies thinning
• Monetary policy expansionary launched
• Personally Jas next withdrawal into P Ittikal, Shahril because P Ittikal sleeps for 3 years – give it 6 months

Zakat Emas

• Zakat yang dikenakan zakat walaupun pakai setahun sekali perlu kena zakat kalau cukup ‘uruf (150grams)
• Emas tak pakai ‘uruf 85grams
• Zakat emas kena qada’
• Emas pelaburan ‘uruf ialah 85grams

Robert Kiyosaki said :

1. If you want to get rich, don’t go to school – what we do here is learning by doing
2. The rich is looking for network, everyone else is looking for work – In Unit Trust (Mutual Fund), we are looking for network.

Arif and his powerful comrades are conducting a FREE Saturday morning seminar on how they can help you shift from Employees Mentality to Business Owner Mindset. FREE yourself from 9-5 job and listen to the huge opportunity to grow as an entrepreneur. Call me 013-3640043 Arif or register online through http://seminar.myunittrust.com

Tahniah kepada Top Producer Unit Trust Consultant Caliph Agency. Man Jadda wa Jadda. Siapa usaha dia dapat. InsyaAllah. If there is a will there is a way. Ya Allah, help the Caliph Group achieve RM 10 million Group Sales per month.

April Challenge  free gift – you close RM99k and above, you will get a branded/imported track bottom or 3/4 track bottom. Tahniah kepada layak.

p.s. Arif Ismail and Caliph unit trust consultants conduct a free weekly seminar on How to Become a Successful Unit Trust Consultant at Public Mutual Cheras and Public Mutual Shah Alam on Saturday 1145 am and Friday 9:15pm respectively. Click here for detail

p.s. Arif Ismail and Caliph unit trust consultants conduct a free weekly seminar on How to Become a Successful Unit Trust Consultant at Public Mutual Cheras and Public Mutual Shah Alam on Saturday 1145 am and Friday 9:15pm respectively. Belajar Terus dari Agensi Unit Trust Bumiputera yang Telah Mendapat Anugerah Jualan Tertinggi 2007, Anugerah Top Rekruter Bumiputera 2008, Group Agency Manager 2010 dan dapatkan ilmu marketing power online dan offline PERCUMA* anda!. Click here for detail

Brainstorming 16 April 2012
by the most senior GAM of j-chi agency

Public Mutual Berhad updates
23rd nsc challenge to LA, Tokyo & Guangzhou

New utc campaign – training voucher and cash voucher – E-wallet system

-20 april shah alam – coaching – Shima
-27 april shah alam – coaching – Jas
-28 april Bersih 3.0
-4 may shah alam coaching – Raimy
-5 may coaching/js – Shima/Zaidah
-11 may – Shahril
-12 may – coaching/js – Jas/Shima
-19 may coaching/js – cancel
-26 may coaching/js – Shima/Jas
-2 june coaching+js – Helmi
-21 may bs – Shima
-28 may bs – Helmi
-aan 20 may The Mnes
-nsc 19 may PICC

16 April
- New investor ic kena stamp
-occupation fill up

Gam Jaslinah sales workshop
-8may – muar
-9may – batu pahat
gold downtrend sampai oktober

KLCI
-market tak tau nak pegi mana
-lama2 dah makin kecil
DJIA
-approaching the apex
-market going gittery
HANG SENG
-more sideways
-china market fundamental are good

Market
Malaysia
-foreigner invest both ringgit and stocks both untung
-KLCI growing but smaller and smaller figure

EURO
-agreement to raise euro zone firewall
-tak nak euro spread
-recession now
-Spain borrowing cost risen and mixed deficit
-more fears and lost confidence as more debt figures

USA
-8.2% unemployment
-aggressive expansion of production
-slowly coming back through recovery

p.s. Arif and Caliph Group conduct weekly training, meeting and seminar for his unit trust agency at Public Mutual Cheras, Kuala Lumpur, Malaysia. He invites all graduates young and old to join his team for helping Malaysian to invest ONLY in Islamic Unit Trust funds. Don’t wait anymore. Time is running out. Join this sunrise industry. Call me 010-4203521 Zarif or register online through http://seminar.myunittrust.com

Updates

24 April 2012 GBOS (Grand Business Opputunity Preview)
Registration : 7pm – 759pm
Starts : 8 pm
Tropicana : Rm5 buy 10, free 2
by David Goh

16 hari lagi sebelum tutup submission dan final date sebelum tak dapat NSC point bonus

Public Mutual Updates

New UTC Campaign gunakan E-wallet system voucher utk training,workshops dan seminars.

Visa, Coach arrangements & Travel Insurance

US Visa email final date on Monday 9th April

Submission of UTC connect
boleh buat melalui online banking.final page boleh print out dan email je. tak payah datang lagi ke Public Mutual counter! Remind your downline to register internet banking upon bank account opening.

Sales cycle

• Prospecting -> Appointment -> Presentation -> Handling Objection -> Close -> Referal -> Service, Service,Service
• paling utama ialah Prospecting
• 7 Steps of Selling Skills from Presentation
• Verbal Tai-chi : Allign & Redirect
• if you talk you must have evidence -

Sharing

Report on Booth activity on DRB-Hicom by Shida

Shahril sharing on Worldwide & Nationwide Market

• US and EURO market overall uptrend market adalah positif
• votality market dah mula stabilize sekitar 25 point mungkin disebabkan market peak atau market nak turun
• tahun ni election utk US on November
• Malaysia election masih teka teki

KLCI

• RSI : in term of jual beli 10 orang masuk 6 orang jual
• market still above 200 SMA means market is still in good condition
• now dah touch 1600 market is expected to touch 1700
• Persepsi Market versus index
• market now is not high, market is actually below average – yang high cuma index! because average is 16.7x now P/E (x) ratio cuma 15++
• for current hot money flowing local retails dan foriegn retails pun low

Arif Sharing

• kenapa orang duduk2 rumah tapi dapat income?
• sumber rezeki ada 13
• ada orang masak mi goreng berjaya, ada sama juga tapi gagal
• 1st channel daripada sumber rezeki ialah pergi kerja – sama semua org islam dan bukan islam
• 2nd channel – khusus hanya utk muslim

1. solat
2. doa
3. zikir
4. sedeqah
5. tawakal
6. dakwah & korban

Next Event
Shah Alam
Coaching & BoP – Farah
Cheras
Coaching – Kak Jas
Jumpstart – Helmi
Brainstorming – Farah

p.s. Arif Ismail and Caliph unit trust consultants conduct a free weekly seminar on How to Become a Successful Unit Trust Consultant at Public Mutual Cheras and Public Mutual Shah Alam on Saturday 1145 am and Friday 9:15pm respectively. Belajar Terus dari Agensi Unit Trust Bumiputera yang Telah Mendapat Anugerah Jualan Tertinggi 2007, Anugerah Top Rekruter Bumiputera 2008, Group Agency Manager 2010 dan dapatkan ilmu marketing power online dan offline PERCUMA* anda!. Click here for detail

Tahniah Top Producer March – dapat duit dan dapat T Shirt free lagi!  Bulan ni last untuk kita dapat bonus point, kalau you’all buat sales 400k you cuma dapat 220 bonus point tapi kalau you push lagi skit sampai 600k then you boleh dapat bonus point sebanyak 350! banyak beza tu! Apelagi? Push urself this month kepada 600k , see you at the top!

Who think he or she want to go for New York, Washington, Amsterdam, Taipei and Bangkok for FREE can come to our weekly FREE seminar on “How to be a Successful Unit Trust Consultant dan jadi KAYA!” at Public Mutual Training Centre in Cheras, KL. Click HERE for detail or call Zarif 019-3405447. Cepat! sebelum Seminar ini dikenakan bayaran!

Those unit trust consultant yang achieve sales minimum of RM50,000 in Mar 2011 will get a special CaliphAdvisor t-shirt. Logo caliph financail advisor akan diembroidery di bahagian depan dan belakang.

Nama-nama agent unit trust yang qualify in alphabetical order adalah:

1 ABD SHAHRIL HISHAM BIN AB RAHIM
2 AHMAD HUMAIZI BIN MAT NOOR
3 AISHAH BINTI AHMAD
4 ASMAWATI BINTI SALLEH
5 AZRANI BIN OTHMAN
6 ERWAN HILMEE BIN ESHAM
7 FAIZAL BIN ARSHAD
8 HABIBAH BINTI MOHAMED MYDIN
9 HILMI BIN ROSNI
10 INTAN SHARIZAN BINTI ISMAIL
11 MAT ASRI BIN CHE ALI
12 MAZZURA BINTI MOHAMED
13 MD ISA JAMALUDDIN BIN JAMALUDDIN
14 MOHAMAD NOR BIN YUSOFF @ DAUD
15 MOHAMAD SABRI BIN JAHYA
16 MOHD AJUMAIN BIN IBRAHIM
17 MOHD AMRAN BIN CHE ABDULLAH
18 MOHD NAZRI BIN MD SALLEH
19 MOHD.HAIRIZUL BIN ABD.HALIM
20 MURNI @ SAHARILA BINTI ABDULLAH
21 MUSRIANO BIN MOHAMAD
22 NOR AZINAH BINTI OMRAH @ NORA
23 NOR PAIZAH BINTI ADNAM
24 NUR ANIRASHIDA BINTI ABDUL RASHID
25 RAIMY BIN MAZLAN HARDEV
26 ROSZAIMI BINTI OTHMAN
27 SAIFUL RIZAL BIN SHAARI
28 SHAHARUDDIN BIN YA`AKOB
29 SHAHRIL EZRIN BIN MD JAN
30 SYED ALI BIN SYED ABDULLAH
31 TAHIR BIN HAJI AHMAD HASMUNI
32 YUSOF BIN MUHAMAD

p.s. Arif Ismail and Caliph unit trust consultants conduct a free weekly seminar on How to Become a Successful Unit Trust Consultant at Public Mutual Cheras and Public Mutual Shah Alam on Saturday 1145 am and Friday 9:15pm respectively. Click here for detail

p.s. Arif and Caliph Group conduct weekly training, meeting and seminar for his unit trust agency at Public Mutual Cheras, Kuala Lumpur, Malaysia. He invites all graduates young and old to join his team for helping Malaysian to invest ONLY in Islamic Unit Trust funds. Don’t wait anymore. Time is running out. Join this sunrise industry. Call me 010-4203521 Zarif or register online through http://seminar.myunittrust.com

• 23rd nsc incentive to guangzhou – rooming list and flight details
• new investor form (individual)
• exemption from FIMM cute exam for candidates who have completed & passed module 4 CFP (investment planning) effective 1st april

Jas sharing

The 4 quadrant

Urgent+Important -

• lot of us bz in this quadrant
• results : crisis,disttrust

Not Urgent+Important -

• efective person sits here, relationship building,
• results : clear vision

Not Important+Urgent -

• cth FB, result – irresponsible, short term focus,
• results : weak relationship

Not Urgent+Not Important -

• cth Gosip, lepak minum kopi
• results : fooling urself : kalau kita tipu org lain kita dosa, kalau kita tipu diri sendiri kita? – rugi.

Market Update
Q1 : global equity market seems allright
Q2 : usd expect to be weak sbb oil price is rising

• slower growth in China
• debt issues in Europe
• malaysia gdp 2012 forecast 4-5%. largest trading partner – China
• Malaysia GE on may/june – free beez & reports. historically towards GE market will be up

Malaysia – new responsible lending guideline due to concern over rising household debt-to-GDP rsatio 77% in 2011. target malaysia 60%

• calculate net income
• 70% loan, 30% own money
• higher income eligibility & criteria for credit cards application : below 3k per month
• financial programs by AKPK saturday morning

Fundemental Analysis
Gold trend – downtrend since August
KLCI – market lagged

p.s. Arif and myunittrust.com pertama kali dalam Malaysia akan mengadakan seminar how you can do unit trust business within 45 minutes. datang segera SEBELUM seminar ini dikenakan bayaran. Click www.myunittrust.com/seminar for details or call/smS Zarif at 010-4203521

Brainstorming 19/03/12
by HC GAM Hasimah

Updates

• CPD Pathway to Success RM 20 (5ACE & 8CPD & Financial Workshop RM 10 (2ACE & 4CPD)
• 27th March Leaders meeting
• 28th March BoP by GAM Hasimah 8pm-10pm Cheras
• 25th March KDU invitation to Financial Planning Talk 930am to 1230pm by Ms. Linnet Lee

New SD form

• must submit sebelum 30th September 2012
• all except 2010 & 2012
• must submit every 2 years

Group Activity
DRB-Hicom
3,4,5 April
9-5
RM 30/pax per day

Sharing

Financial Talk
Regionally M’sia punya market paling worse tapi market kita less volatile YTD performance kecik sgt others two figures.

Fund Rankings
Persepsi mengatakan bahawa DALI good fund tapi mengikut 3 years performance Morning Star Overall Ratings – DALI cuma 4 stars rather than dana-dana dalam Public Mutual Islamic Equity got 5 stars

Newspaper
A Company dari USA : Nicole bergabung dengan Hwang Investment Management amik 30% daripada aset Hwang

Votality
Ittikal dulu low sekarang high
PIDF dulu moderate sekarang low
Jas comment : as market goes higher the risk is lower, so PIDF is good for now. low risk high return : 3 years votality – 9.5 return – 20.21% as compare to agressive fund.

Jas sharing
140k client just sign dan a cup of coffee – Jas build relationship dgn client dalam selama buat sales
Jas : we are selling trust to the clients, sape2 pun boleh jual unit trust, they believe you and trust you then u can sell. build trust with your new clients. Sometimes relationship dgn customer lebih baik dpd relationship dgn spouse. Jas secret recipie ialah her customer trust her

download podcast 13th march BFM Raymond Phoon : EQ for great relationship.

download here http://t.co/mAnDqU7E

• trust is like bank account is it positive or negative?trust also have different levels

Arif Sharing
Kita dah 7 tahun dalam bisnes, Read Robert Kiyosaki again, if u in makan gaji things we are individual. BESI Quadrant.we are still in Self Employed quadrant.
Suggest:

1. role play for jumpstart
2. brainstorming on Saturday - sharing & sales tracking

Arif  and J-CHI (JUST -Caliph-HC-IWGoC) are sharing expertise and knowledge regarding selling pelaburan unit trust, but these knowledge without action is like you buy an ice cream and leave it in the open air without having (makan la) it. So it will become cair and cair and cair. And finally obsolete. So take action now. Join our FREE seminar at Public Mutual Cheras in Level 2, Cheras Commercial Centre next to Hotel Caliber and Restoran Janbo. Call Zarif 019-3405447 or register HERE

Dalam satu galeri seni, lantainya diperbuat daripada batu marmar, dan dalam gakeri itu juga ada sebuah patung yang cantik dperbuat daripada batu marmar juga. Lantai marmar merasa hairan mengapa orang datang dari jauh ke galeri itu dan memijak-mijak lantai marmar semata mata untuk melihat patung marmar padahal mereka berasal daripada bahan yang sama.

Lalu lantai tanya dengan patung ‘aku merasa hairan, kita datang dari gua yang sama, hidup bersama namun hari ini orang datang dari jauh memijak aku semata-mata nak melihat kau, mengapa ya?’

Patung tersenyum dan menjawab ‘ Betul, kita memang lahir dari gua yang sama, hidup bersama namun adakah kau ingat, sewaktu kita diambil oleh si pengukir? Beliau telah ambil dikau seterusnya mengetuk dan memahat dirimu namun kau berkeras menolak dan membantah perlakuannya’

‘Kemudian beliau putus asa denganmu lalu mengambil aku, beliau mengetuk dan memahat diriku, namun aku bertahan dengan semua kesakitan itu dan hasilnya aku menjadi perhiasan yang cantik seperti hari ini’

Samalah kita bro, nak sukses bukan mcm petik jari je. Kena taji sikit, kena pahat sikit, tukul sikit but worth the pain. We all born in the same soil, go through the same education channel dan makan belacan sama-sama lagi, but some of us sukses kerana berani buat keputusan dan sungguh-sungguh selepas buat keputusan tu. So take this challange hubungi Zarif 010-4203521 atau klik HERE untuk buat keputusan berani!

You are no different than anyone else until you prove it!

p.s. Caliph Agency training is on Saturday and Monday at Public Mutual Cheras Kuala Lumpur. Those who would like to know more about unit trust business can come to our free seminar this Saturday. Click here nowmyunittrust.com/seminar

Public Mutual Trainings Updates

• 6 mac new fund briefing
• 7 mac investment talk
• 9 mac zakat menyucikan harta 2 CPD point

Upcoming group coaching

Upcoming jas activities
sales workshop @ Public Mutual Butterworth, Batu Pahat & Muar

Market Intellingence

• gold bukan long term
• trend seen as ‘ke bawah’ utk long term
• gold analyst said : trend 2 peak up 2 peak down

9/1 market up gold down
11/2 market up gold down
2/3

• KLCI market dah touch up than 1600
• down jones dah touch 13k (almost all time high)
• semua ekuiti market dah tinggi tapi gold is lagged lambat

Currently

KLCI 1583

DJIA 12966

GOLD 1712

trend market
oil preassure – renewed risk to global economy
greece issue less concern

HANG SENG

• indikator market asia pasifik
• slow blum smpi all time high lagi
• hubungan dgn ittikal (since byk invest market China)
• harga tengah rendah tapi suggest amik sikit portfolio utk ittikal (for those who loves)

Market Forecast 2012 KLCI 1620

Tyipical Cycle Public Islamic Dividen Fund

• rebalancing at q4
• q2 & q3 DCA
• exception at q1 & q4
• severe market jatuh paling lama 1 bulan

Situasi Greece

• masuk duit tak cukup-cukup mcm poket bocor

BFM updates

• one guy said ’bankers are stupid parasites’ - bcoz killing the hosts
• kenapa Greece jadi cam sekarang
• Greece tak fit kriteria nak join jugak Euro (negara kaya)
• niat asal nak tolong but benefits Germany actually
• they help negara kaya dan pinjam dgn Germany but have to buy from Germany

Just Sharing

Asian Top Billionaire rise up 43%

• Mukesh Ambani > Li Ka-shing > Lakshmi Mittal

Hand phone chargers whilst travelling
roaming chargers masa travel avoid outstanding chargers

1. .off data roaming
2. need internet – check price, avoid heavy download
3. turn phone off when not using
4. consider getting local simcard
5. turn voice mail off
6. use skype

Jeremy Lim Havard graduate turn basketballer overseas

• underdog at first
• but practise very hard
• bila ada peluang show very best
• compare to us
• we want 10mill customer but dont practise
• when that moment come i should be ready

Mistake we made

1. cakap only
2. no practise
3. takde cukup affirmation

be like harimau, cari then terus ngap. dont kalau lapar baru cari.

Nelson Mandel 27 tahun duduk penjara now jadi celebrities
coklat Hersheys 3 kali setup coklat company then failed baru jumpa Hersheys

p.s. Arif and Caliph Group conduct weekly training, meeting and seminar for his unit trust agency at Public Mutual Cheras, Kuala Lumpur, Malaysia. He invites all graduates young and old to join his team for helping Malaysian to invest ONLY in Islamic Unit Trust funds. Don’t wait anymore. Time is running out. Join this sunrise industry. Call me 010-4203521 Zarif or register online through http://seminar.myunittrust.com

Many have a plan that someday they want to get out and do their own business. Some has tried, ada yang buat part time dan ada yang terus jump. Bakar jambatan.

They saw in front of their eyes how businessman flourish. Berjaya, pakai kereta besar. Boleh melancong luar negara. So they are very excited. Then they venture into business.

After a few months, when they are already a businessman, they encountered many obstacles. Ada yang tak tahan. Terus cabut, pastu blame others or blame the business. Ada yang mula-mula dapat bertahan, lama-lama 2 atau 3 tahun tak tahan jugak. Cabut jugak.

That’s the reality. Sama jugak orang yang nak kahwin. Dalam percintaan, semua wangi. Kentut pun wangi. Bila dah kahwin dah lama sikit baru nampak keburukan pasangan. Statistics show that most of the divorces berlaku dalam 2 tahun perkahwinan.

So ada solution tak untuk masalah ni. Ada… Dah ada orang buat research dah benda ni. Kalau nak tahu klik sini

p.s. Arif and Caliph Group conduct weekly training, meeting and seminar for his unit trust agency at Public Mutual Cheras, Kuala Lumpur, Malaysia. He invites all graduates young and old to join his team for helping Malaysian to invest ONLY in Islamic Unit Trust funds. Click here for details or call Zarif 010-4203521

Tahniah kepada yang bersemangat, full momentum at the beginning, on this 4 months la kita nak pulun habis-habisan – dapatkan extra NSC points semaksimum mungkin bro! No time to loose – kita nak pegi New York and Washington DC ni! plus dengan ini jugak mengumumkan inisiatif dari Caliph Group. Kempen Personal Sales Feb 2012: AM yg produce RM600k PS sebulan dpt dinar Muharram RM300. Direct AS yg produce RM350k dpt duit Muharram RM300. Direct UTC produce RM250k dapat duit Muharram RM300. Utk indirect AS n UTC dapat duit Muharram RM200 utk  sales RM350k n RM250k respectively.  Hari2 visualise u mesti boleh dapat punya!

p.s. Arif and Caliph Group conducts weekly training, meeting and seminar for his unit trust agency at Public Mutual Cheras, Kuala Lumpur, Malaysia. He invites all graduates young and old to join his team for helping Malaysian to invest in ONLY Islamic Unit Trust funds. Click here for details or call Zarif 010-4203521