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Agency Meeting 26 March by J-CHI Unit Trust Consultants

Agency Brainstorming by Siti Salehatun JUST
  • 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

Asal usul sama, tapi perhatian & penghargaan berbeza!

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!

Brainstorming 5th March by our JUST GAM Jaslinah

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.†Donít wait anymore. Time is running out. Join this sunrise industry. Call me 010-4203521 Zarif or register online through†http://seminar.myunittrust.com

 


Many people wish to start their own business but…

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

Brainstorm Notes Lepas Raya – JUST Unit Trust Consultants

Welcome back to business. Dah lama cuti rasa macam berat nak start business balik ni. So to put you and me back on the right track, attend group activities like training and meetings.

Some of the points that I manage to record in our 2 weeks brainstorm are combined (28 Sept & 5 Oct) for your info and action:

  1. Increase your auto-debit sales. Think it is easy & it will come to you. Auto-debit sales is part of your passive income. Work once and get paid over and over. Do you like it? Majority of people can invest RM3 a day. Build your GAMship through auto-debit. Get your auto debit presentation material from your upline.
  2. CPF†sales has increase from 30% to 60% sales from total sales.
  3. Unit Trust Agents yearly renewal – to attend minimum CPE points starting next year
  4. CUTE (computerised unit trust exam) exam will be tougher in year 2010 – so bring your prospect this year as many as possible. Let them become your unit trust consultant this year.
  5. Public Mutual Online – register via PB ATMs. The steps: select Other Services|More Services|Register for PMO|Key in local mobile no|Confirm mobile no.
  6. PB loan referral form – submit form directly to the bank.
  7. UTC (unit trust consultant) Connect – an online application that allow you to update your personal data on your own – it become easier to update your address, email, handphone etc – apply through Public Mutual branch for your password
  8. Statutory Declaration new form untuk Sijil SPM/Degree yang hilang – so please use the new form to avoid working at one task twice. This is for new unit trust agents yang baru nak register
  9. 2010 Sales Kickoff at One World Hotel 15 Dec 09 for top 400 acheivers. Those who are qualified will get an invitation from public Mutual headquarters and you must respond to the letter at your servicing branch
  10. New CPF†9N is now available for purchase – this form is to be used on 1 Nov 09 onward. Sekarang hantar guna borang lama. Don’t get confused on small matter. Keep updated on the sales process
  11. New working hours for branch (a) Bangsar: Mon & Tues – up to 730pm (every week). Sat 830-1pm: 1st week (b) Cheras: Tue (2nd week) Sat 2nd week. So to those unit trust agents yang part time, you can now submit your sales form without sacrificng your office hour. You can do it on Mon and Tue after 5:30pm till 7:30pm or Sat 830am-1pm at Public Mutual Bangsar or Tue and Sat at Public Mutual Cheras only on week 2 of the month. The work become easier now.
  12. Public Mutual  roadshow Oct till Dec 09 Рsubsidised at selected shopping malls Klang Valley, AEON Bkt Raja & Ampang Point Рask your upline for date confirmation and venue that may interest you
  13. Passive Income – build your team
  14. BoP or seminar unit trust as usual every Saturday – call your prospect to join this unit trust industry
  15. Saturday Training Schedule: 10-Oct-09, 7-Nov-09, 21-Nov-09. Take note of the last 3 trainings for 2009. Semua mesti datang.
  16. Goal Setting Workshop on 18-Dec-09 (Fri) – cuti muharram – so semua boleh datang. Put your dream on paper, divide it into smaller dream and achievable and take action on it.
  17. Market updates – positive sign to go upward in quarter 4. So help your client to invest now and they will be happy next year. When your client happy, they will introduce you to their friends. The repeat sales is become easier.
  18. Lesson learned from 1930 US depression mistakes – late fiscal stimulus – too early to pull back the fiscal stimulus – The US has to be very careful on this to avoid the W shape pattern to happen if they took out the fiscal stimulus too early. So when is to take out the fiscal stimulus?
  19. New organisation – EKUINAS – to buy “bumiputera” mid-small listed companies. They have RM5b with potential of additional RM9.75b
  20. 2 types of recession – structural (e.g. tiang patah) & technical (eg bumbung rumah bocor)
  21. New format for Asset Allocation tables and charts will be emailed to you by Jas
  22. Jas congratulate 4 new Agency Supervisors. They are Mazzura, Raimy, Syed Ali and Yusof. Congratulations…
  23. Raimy and Adzha akan kahwin this weekend.
  24. Sales Tracking…
  25. Sharing experience by Mai on how he get RM45k sales
  26. Sharing experience by Arif on how to make your sleep as ibadah..

 

 

 

 

 

 

 

 


Top Producer Caliph Consultants July 2009

Tahniah…

tahniah… tahniah!!!

Caliph Consultants dah ramai yang nak naik Agency Supervisor dari Unit

Trust Consultant. Cepat… cepat…Top of the Big draws are the highly educated workforce, exemplary public- charter school systems, low crime, parks and golf courses, excellent hospitals and overall affordability. top casino online/a> Mazzura the housewife pun boleh

jadik top… Waa… tak boleh tahan ni…Congrat Mazzura

top-producer-july093

zp8497586rq

Revealed… Unit Trust Consultant Letter to His Clients

I believe I would rather tell you all, what I wrote this morning to my clients to take advantage on the current KLCI level. So that you may get the idea on how to use it to your clients as well.

Even for the people who have shown their interest to become a unit trust consultant should read this letter. So that they can see the bright future of becoming unit trust agent. For the new existing unit trust consultant, you can modify this email and send it to your prospect to invite them to join unit trust business.

The KLCI chart adalah ihsan dari a friend in Public Mutual Melaka. Here is the letter:

klci-chart-as-at-jun09

How Your Understanding on KLCI Chart Will Make You Millionaires… while working

Assalamualaikum & Salam Ceria,

Do you think the worst is over? So far it shows that Oct-08 is the worst for KLCI since Jan-08. See KLCI historical chart as attached for your copy. Forward it to your friend as you like.

What can we do for this huge opportunity or danger you may say it. Many people still skeptical. But some people who does take action between January till June this year by investing in stock market and unit trust has accumulated at least 10% profit.

Imagine in the next 3 years. Do you think KLCI will remain 1100 or at least go back to it 1500 level. What is the possibility that it goes down to 800 points as in Oct-08.

Do you believe AXIATA value is RM2.50 in the next 3 years. Sama value dengan company second board yang unknown.

We are now in 2009. Rewind the time to 1998 when the KLCI was at 262 level. If you were given the chance to buy any stocks or unit trust fund at that time, will you buy? Any month in 1998, if you invest – you will make profit minimum 30% after 3 years.

Similarly, if you were in 2012 (that’s 3 years from now) when the market is 1500 again, will you buy unit trust in 2009 which the KLCI was only at 1100. Try divide 400 (that is 1500-1100) with 1500 to see the potential profit. It is a whopping 27%. What if, we play an active strategy. Whenever we reach our target profit, we lock it and re-enter the market again. How much profit you can get…

Arif Ismail
013-3640043
myunittrust@gmail.com

Brainstorm Notes 10-Nov-08 – JUST Unit Trust Group

1. Why Obama won, market goes down: “people buy on rumours, sell on facts. You need to differentiate between stock and economy

2. Dow Jones & Hang Seng index rebounce: may be a good time to switch-out your China funds. But few other factors to consider: how far can the market goes down/up and what is the fund size

3. KLCI: Factors to look for – Chinese New Year 26 Jan 09 and Umno election on Mar-09

4. 98 Financial crisis scenario: GDP (), interest rate high (8%-10%), property market bubble, banking sector weak, forex reserve BNM very low. 2008 global financial scenario: come to our training

5. Goal Setting Seminar 29 Dec 08 for all JUST unit trust agents: you can choose either morning session (8:30am – 12:30pm) or afternoon session (2:00pm – 5:00pm). Sharing experience by one of a doctor in financial planning

6. BOP Business Opportunity Preview Tuesday 11 Nov 08 8:00pm night by Jaslinah at Public Mutual Cheras

7. GBOS Grand Business Opportunity Seminar 24 Nov 08 7:30pm at Legend Hotel

8. Motivational Talk by Robert Young 25 Nov at Tropicana Golf Resort

9. Many unit trust consultants either from our agency or outside always ask us “Which fund to promote now”: PISEF, PIDF, PIOGF, PISSF, PISTF because it exposure to the market is LOW and the fund size is big. Another thing look for CPF†friendly fund because redemption rate is LOW, thus there still have reserve in the funds

10. Sharing by Rozita Ahamad on Aggressive Sales Professional. All participants become fully-charged to make sales

11. Sharing by Iadah: she updates her clients by CAMS statement. She do financial planning style. Ask overall investment of his clients: property, ASB, savings berapa etc. Tanya dengan hikmah. She builds trust with his clients. Advise on clients monthly budget. where & how to spend money. She experts on one-to-one presentation. Only 3-steps (build rapport, present & close). She can do without FP Advisor and notebook PC.  Only with A4 paper, QFR, KLCI chart by Public Mutual and yahoo.finance.com. How she uses emotional buttons

12. FREE Lunch by Jaslinah. KFC dinner plate. Thanks Jas

Don’t forget our Goal Setting Seminar on 29/12/08.

Congratulation to Khairul and Shahrum that passed the CUTE exam (Computerised Unit Trust Exam)

Uncategorized by Arif Ismail 1 Comment

Welcome Shahrum and Khairul to JUST Consultants. Congratulations. I knew you all can passed the CUTE exam. So what is the next steps. You must attend an introductory course Jump Start Now that summarise how to run the unit trust business. We conduct the tarining on every Saturday 9-11am at PM Cheras. Other activities are as follows:

Attend our group, JUST Consultants Activities

  • Weekly Monday Brainstorming/Meeting 10am to 1130pm at PM Cheras Level 2
  • Weekly BoP: Saturday 11am to 1230pm at PM Cheras Level 2
  • Bi-monthly Special Training: Saturday¬†2pm to 5pm at PM Cheras Level 2
  • Monthly Booth Promotion by the Group

Attend 3 Compulsory Company Training that will show you How to be a successful Unit Trust Consultants

  • Quick Start
  • Success 101
  • Fundamental of Unit Trust or Need Based Selling

Start Doing Business

l

Brainstorming Summary 14 July – JUST Unit Trust Agency

  1. IC for CPF†submission – kena cross the IC with “for CPF†use only” with effect 15 Jul 08
  2. Training – to bring registration receipt during the training day at the training room as evidence due to cases where agent just walk-in and enter the training room
  3. Promotion to AS, AM & GAM – compulsory training to attend before 23rd of the month for next month promotion, else you will be promoted the next two months
  4. CPF†promotion at Selayang – stop booth opening, instruction from PM as they are instructed bt†CPF
  5. †CPF†Maluri – Jas will re-imburse those yang dah bayar
  6. Market Analysis – Malaysian market still weak due to politics instability
  7. Market Analysis – US mortgage, loan problems, oil prices another record high
  8. How to reduce oil price – orang tak guna minyak, US economy to recover
  9. Oil issue – Malaysia increase price. Fiscal policy – windfall tax on IPP, CPO, oil & gas this year. IPP issues bond to expand previously (5 to 10 years ago). They had never think of windfall tax. So some IPP cannot pay coupon (interest) to bond buyers. Thus some people asking government to revise the windall tax.
  10. Malaysian PM’s Transition – good for long term but less impact on short term
  11. JABS seminar (a special seminar to assist unit trust consultants to succeed) on 17 & 18 Jul 08- 3 prongs approach: belief system, buddy system, new marketing tools, cash sales testimonial, 50 AMs roadmap and its details and sharing experience by Azizah Saad (power booster) and Stanley (cold canvassing)

—————————————————————————————–
Arif is running a weekly Saturday (11:00am-12:30pm) FREE seminar on How & Why We Want You to be an Entrepreneur specifically Unit Trust Consultants which include comparison of unit trust companies in Malaysia. It is good for you to know the unit trust industry before you join any company as an agent. We limit each seminar for 10 participants only as there will be many questions from participants to be answered in a limited time. Kalau tuan/puan/cik nak hadir, daftarlah SEKARANG di http://seminar.myunittrust.com

 

Summary of Monday Brainstorming – JUST Unit Trust Agency

Uncategorized by Arif Ismail 1 Comment

Interim Notes:

  1. This weekend activities 12-Jul-08:
    1. 9-11am: Jump Start Now (for newly-passed agent)
    2. 11am-1230pm: Seminar Unit Trust (BOP) – to bring as many people as you wish that are interested to build their own business/consultant
    3. 2pm-5pm: Special Training for all our agents on How to Propose a Financial Plan to our prospects and clients
  2. JABS on 17 & 18 Jul 2008 (a 2-day seminar to help boost our sales and motivation) – confirm with Biela and Farehin by 9-Jul-08. RM50/pax.
  3. FREE Investment Seminar on Market Outlook at Hotel Sri Petaling, KL on 26-Jun-08
  4. To attend Short Seminar by Wong Kian Meng on 7 Steps of Building Successful Agency on 21-Jul-08 9:30am to 11:30 am. RM10/pax. Book dgn Biela 019-2260335
  5. New pamphlete Failaka Award, best fund in Asia is now available at the branch.
  6. Promote Direct Debit Instruction (DDI) Case. Target 1 DDI/day. In a month you will get 20 DDI cases. Assume per case is RM200.
  7. Market Analysis РFundamental & Technical. PE ratio in 1997 was 44 X but now PE ratio is 11 X. So it is a discount for investor to buy. The KLCI was 268 in 1997 and 1134 now as of 4-Jul-08. This means that even though th KLCI is still high, the PE ration is far lower than that in 1997. So what? Don’t panic.
  8. Market Analysis – Down? Why – 3 factors: 1. politics 2. oil price 3.weaker external environment
  9. Market Analysis – USD weaken, inflation up. Thus Federal Reserves to stop reducing interest rate to improve USD
  10. Market Analysis РChina. What’s happening? Affected by US economy. In mid-to-long term, China is OK. Why РSavings is high, domestic demand is huge, they buy house with cash etc..
  11. Market Analysis – Malaysia and Asia. Compare 97/98 and 2008. Read Starbiz Sat 5 Jul 2008. Situation now is different. Another Asia currency crisis is unlikely.
    1. 97/98 – property market buble, banks fragile,
    2. 2008 – ada large amount of Foreign Reserve

Seminar Unit Trust or BOP 28-Jun-08 11am to 1230pm

Uncategorized by Arif Ismail 1 Comment

Alhamdulillah we have got an allocation for a training room at Public Mutual Cheras Level 2. Thanks for Azizah Saad and Mr Khoo that handed-over the room to our agents. So our agency training & business opportunity preview can now be held every Saturday 9am to 1pm.

What we plan to do is: 9-11am is for training and 11-1230 is for BOP. This is a major milestone for the group as we can have a consistent time and place for our training and recruitment campaign.

Unit Trust Booth Promotion at JPN Maluri, KL

Uncategorized by Arif Ismail 1 Comment

We are going to have a special unit trust promotion at Jabatan Pendaftaran Negara at Kompleks Maluri, Jalan Jejaka, Taman Maluri 55100 Kuala Lumpur from 1 Jul 08 to 31 Jul 08.

The registration for our agent to book for the booth promotion is now open for 1 Aug 08 to 31 Aug 08. Kindly contact Farehin for details.