Meeting led by Jas. Start 10:10am

1. Be careful on pukau. One of our friends consultant kena pukau during their booth promotion somewhere at USJ hypermart.
2. Company warns all unit trust consultants not to involve in head hunting scheme that masking their business with a lousy expensive products. Some other use forex, kambing and even exploit koperasi to lure potential clients and agents.
3. You can get you Will Writing Services - Amanah Raya, As-Salihin, Wasiah Shoppe, Lawyers and Public Trustee (a subsidiary of Public Bank). Training for Public Trustee will be on 16 Mar 09.
4. Branch Annual Dinner on 6 Mar 09 at Sheraton Subang
5. Sunshine Program by company similar to A-Star Program 
6. Ringgit Cost Averaging campaign period end 31-Mar-09.
7. NSC special case campaign for cash (1.5 points) and EPF (1 point) will end 31-Mar-09. So hurry up. After 31-Mar-09, the EPF case point will be 0.5 and the cash case will be 1 point.
8. Jas give permission to ask help from Farehin the PA.
9. Public Mutual Online service is up and running. So we must register our own first before our clients.
10. Sales Tracking
11. Taiping presentation last week – Jas, Kak Aishah, Arif and Hazah do group presentation

This morning I found a page on the net similar to my page for inviting people to come to our unit trust seminar. You may visit this page at http://www.jomunitrust.com/agen/index.html . He may be accidentally has the same thinking to use the same word and the same format like www.myunittrust.com/seminar. But I don’t mind. This is business. Business is very competitive. 

You have an idea in the morning and implement it or produce it in the evening. The next day, you will see someone else also comes out with the similar idea or product. This is business. When there is competition, it shows that the business is good. When there is no competition, it means that either you are the only monopoly player (because of licensing issue) or the industry or the business is no good or other people do not aware about it yet. 

There is a secret on how to get your website or blog to the top of Google and Yahoo search engines. You may be aware that whenever you search “unit trust consultant”, you will get myUnitTrust.com on top. How do I do that… Do you want to know?

I only give the answer to those who come to our weekly seminar on Saturday 11am at Public Mutual Cheras.

Arif… tell me the secret pleasee… OK.. then click here www.myunittrust.com/seminar

See you there…

Meeting led by Mai Farah

1. Financial Talk

• Feb-Feb y-o-y all market down except Malaysia and Thailand
• foreign fund has long time gone from Malaysia
• our market is now supported by domestic demand similar like China
• inflation has gone down
• to exercise asset alocation based on you/your clients appetite as follows:

• Sign of market recovery will be seen by 2nd half of the year

2. Focus on your strength not on your weaknesses. Identify your strength. List it down and put 100% effort

3. Inflation rate is between 5% to 6%. Many Malaysian put their money in FD. Cannot cover the inflation rate. What about their retirement. Medical expenses after retired.

4. Upcoming Events

• DISC – Dominance, Influence, Steadiness, Creative
• FPAM “Managing Your UT portfolio well at all times”

5. How to tell market story to your clients

• Draw a picture
• 
  

1. Group Sales Target RM6 mill/month -

• Sales Tracking for Feb 09 Week 1 and Week 2.
  Actual for Jan 09 – ~ RM2mill, Ranking no 14 nationwide
• ASP monthly min target = RM 100k
  Top 3 ASP – Ajumain, Raimy and Anugerah. Congratulations!!! They get Personal Money magazine subscription for 1 year (FREE).
• AM Personal Sales minimum monthly target = RM250k

2. Public Mutual Updates

• NSC Qualifier to register online before 27/02/09
• Investment Talk 19/2/09 Tropicana 9am 02 730pm
• Allan See Talk 19/2/09 Tropicana 2-5pm
• GBOS 17/2/09 Tropicana 730pm
• Leaders meeting 23/2

3. Good books to read – Money, You and Islam by Zaharuddin Abd Rahman

4. Interim Report of Unit Trust Fund – How to read Ittikal Fund Interim Report

• Some of your investor read the report. Thus, be prepared. At least, if your clients ask you something about it, you know where to get the info.
• Contain details stocks that the fund invested. You can show your clients that even though the market down now, the fund manager is investing in a good counter (company).

5. Why meeting is very important

• all works start with meeting
• develop one thinking
• get the energy

6. Educate your clients

• Compare risk on Jan 08 and Oct 08, and current market. So every 3 months collect all unit for your clients
• Keep on contact with your clients

Congratulations!!! Well done to all agents that has achieved the Top 10 ranking for Perunding Unit Amanah myUnitTrust.com. For the rest, strive hard and tawakkal to Allah The Sustainer. Dont forget to come for meeting(10am-11am), BOP(11am-1230pm) and training (2pm-5pm: Trust Nomination and Street-Smart Sales Presentation) on this Saturday @ Level 2, Public Mutual Cheras.

A man came to Nabi saw and said “O Rasulullah, please allow me to travel as tourist.” Nabi saw replied ” The tourism for my ummah is to strive in the path of Allah.” (Abu Dawud)

So we try to learn and practice the above hadith by spending our time 40 days in the path of Allah.

Our flight to Dhaka dated 22-Dec-08 and came back to KL on 2-Feb-09. 8 brothers from Malaysia and 5 brothers from Bangladesh form a jamat. We went to Teknaf (the most southern part of Bangladesh, a border to Myanmar), Cox’s Bazar and Chittagong for about 25 days and 15 days in Dhaka.

The last part of our journey we gathered at Tongi Ijtima’ (the second largest Muslim gathering after Haj). Can you imagine a poor country can organise such a big event (about 3mill people attended) and the food, the transportation and the shelter is free.

Some people and friends wonder why the jamat should spend 40 days in the path of Allah every year. Many benefits that Allah will give. Some of you has knew about it and many others are not aware about it. Please read the Muntakhab Hadith compiled by Maulana Muhammad Yusof Kandhlawi.

One of it is that “A morning or an evening you spent in the path of Allah is better than the world and all that it contains”. It means that if the world and all that it contains is spent in the path of Allah, the reward of one morning or an evening in the path of Allah will be much more. Wow… imagine that all the gold, the silver everything you spent for Allah, just one morning in the path of Allah, the reward is more…

Besides many rewards that Allah gives, you will also learn something that is beneficial to your worldly life as well.

Among the lesson learned that I tell our unit trust consultants are:

1. Never wait until you know everything for you to start doing your business. “Sampaikan walaupun satu ayat” Nabi says during Hajjatul Wida’. Entrepreneur knows this very well. Bill Gates never complete his knowledge on Windows Vista but he has launched the DOS earlier on. Imagine he waits until he learned the Windows Vista technology then he launched the software. What opportunity lost for him and also for the people.
2. Everything is coming from Allah. Only Allah Alone is doing. Some people do sales aggressively but results is not favourable and some people just join and do sales can produce better results. So everything is coming from Allah. But don’t get me wrong. You must put all 100% effort and then tawakkal to Allah like the story of Musa a.s. when being catched by Firaun. What did Musa a.s. do? Don’t just relax and expect something from Allah. When Allah gives you something, make syukur Alhamdulillah. Allah give to those He wants.
3. Istiqamah or persistent on everthing good that you do. A story of a droplet of water but continuously dropping will make the floor “melekuk” but a whole pail of water poured on the floor – no lekuk.
4. Don’t cannibalise your long term objective with your short term gain. Try imagine that our objective is ultimately to make Allah happy with us and make us enter into Paradise. But because we are so desperate or love to make money in this world, we don’t care whether the money is haraam or halal. So in the HereAfter we will face the consequences. In the same manner, unit trust business – we want to make our clients happy, but we don’t give good service to existing clients and keep finding new clients – our existing clients will go away.
5. We know the value of this world and that is why many people run for it. But we don’t know the value of Akhirat, the value of good deeds (amal agama like solah, zikr etc), the value of sunnah, the value of sacrificing our time and wealth in the path of Allah – even if we knew, we don’t want it or are lazy to do it because we can’t see with our eyes, we can’t touch it. Why? Because our believe to the unseen is weak. Because the environment for this life of our Nabi saw is long gone. People are afraid and even kutuk the sunnah of Nabi saw. But they are proud of practising the life of the Yahud and Nasara. They say they hate Yahud and Nasara verbally but they practice what these people do in their life. How is the help of Allah will come to us. Learn how Allah help Musa a.s and Bani Israel from Firaun. Who killed Firaun? Who saved Musa a.s. and Bani Israel? Why? So long that we don’t change, Allah helps will not come to us.

Oh..ho.. very long blog. Sorry for being emotional on point no 5.

From my observation (40 days assisting Arif’s job), to be a Unit Trust Consultant is an easy job but sometimes it can be difficult, depending on individual’s perception. What is important is confidence level. Those who have high confidence level and can easily talk to people (and of course know what they are talking about) are suitable to do marketing job. Tak kisahla samada kerja sendiri atau makan gaji, lebih-lebih lagi  sebagai Unit Trust Consultant. Normally, these people are successful. Sebab itu ramai Unit Trust Consultant yang biasa-biasa ni, sekejap ada, sekejap tak ada mengikut pasaran ekonomi, because they are not confident to in what they are doing.  Itulah yang timbul masalah kepada pelabur-pelabur, bila economy down, ramai Unit Trust Consultants menghilangkan diri.

Below is a list of tips on how to be a successful Unit Trust Consultant, which I’m also in the process of learning them:

1. Objective – you must know why you are entering this industry, as a part-time or full-time, how much you want to earn, or to have your own business and others. Define clearly, what you want to achieve.
2. Choose the right agency or company which suites to you – do some research. If you are not confident enough and lack of knowledge, join an agency which can train and support you.
3. Prepare yourself – think positive, improve yourself and you must be discipline in order to achieve your goals. Arif is good in how to improve ourselves, which I’ve learnt a lot from him.
4. Knowledge – willing to learn, attend training programmes organized by your agency or your company.
5. Be in your network – do brainstorming in your group, discussing the problems, learn others experience.
6. Just do it and for Muslims: “Do What Allah Loves, and love what you do.” InsyaAllah, berjaya.

InsyaAllah Arif will be back by this week  and he will continue writing. Saya juga ingin mengambil kesempatan ini, memohon maaf atas salah dan silap semasa saya menguruskan blog ini. Sehingga berjumpa lagi…

Jangan lupa kepada sesiapa yang berminat nak join Seminar Keusahawanan Unit Amanah, (percuma)this week, 27Dec 2009 @ Level 2, Public Mutual Cheras. Jam: 11:30am.  Do call Hazah 013-3970588 or register online through http://seminar.myunittrust.com.

Updates in our brainstorming 31January, 09: 

1. Effective 6 July, 09 our Benchmark Index will change from KLCI to FTSE Bursa Malaysia KLCI (FBM KLCI)
2. Article in “…..to become millionaires”
3. GBOS 17Feb, 09. Jm730pm @ Tropicana Golf and Country Resort, pls call Hazah  013-3970588 for your reservation.
4. Metaphysic Classes on 10 Feb, 09 – RM240, siapa yang nak join, call Farehin.
5. February Training

            14 February – Street-smart Sales Presentation

21 February – TVM & Simple Financial Plans

6. Pencil story
7. Learn to read QFR
8. Learn to choose which fund to invest
9. Harta Pusaka

All the details will put under login…later.

Do come to our brainstorming sessions, every Saturday 10am @ Public Mutual Cheras.