Wednesday, October 31, 2007

Maybank Structured Islamic Deposit

I just came across this advert in thestar page.
Anyone got comments about this? Seems meet my objective of 10% gain per year

Structured Islamic Deposit ( STRIDE-i )

Maybank has introduced their new Structured Islamic Deposit (STRIDE-i). It is Maybank's first Syariah-compliant Capital Protected Structured Deposit.

The Maybank STRIDE-i offers:
- 9.80% guaranteed returns upon maturity
- 100% capital protection with condition of held till maturity
- Investment period of 4 years
- Maximum potential returns of up to 38.80% which subject to the performance

Investment must be in minimum of RM50,000 and multiples of

Tuesday, October 23, 2007

PB China Pacific Equity Fund

Public Bank will launch its first China fund, PB China Pacific Equity Fund(PBCPEF) on today which is 23 October 2007. PBCPEF will invest mainly in China stocks and the balance in North Asian markets such as Japan, Korea and Taiwan. The fund will be managed by its wholly-owned subsidiary, Public Mutual.

PBCPEF offers investors the opportunity to tap on the solid growth prospects in China. In the past 5 years, equity markets in this region have enjoyed a sustained uptrend in global economies. China has emerged as a major growth engine for this region apart from the U.S with real Gross Domestic Product (GDP) sustained at a robust pace averaging 9.2% annually.

The China Pacific region which encompasses China, Hong Kong, Taiwan, South Korea and Japan presents significant growth opportunities. The Chinese economy is projected to grow steadily at 11.2% for 2007 and 10.6% for 2008, supported by robust domestic consumption and exports. Driven by strong domestic demand and robust tourist arrivals, Hong Kong’s GDP growth is set to expand at above 5% for 2007/2008. Meanwhile, GDP growth for South Korea and Taiwan is projected at above 4% for 2007/2008 amidst resilient investment spending and global demand for electronic products. In comparison, Japan, being a developed economy, is expected to register moderate GDP growth of about 2% in 2007/2008 on sustained consumption and investmen.

A minimum of 50% and up to a maximum of 98% of the fund’s net asset value (NAV) will be invested in China stocks listed on the China, Hong Kong, United States of America, Singapore and other approved markets. When valuations of China stocks are not compelling, the fund may invest in other North Asian markets which include Japan, Korea and Taiwan. The equity exposure of PBCPEF will generally range from 75% to 90% of its NAV.

PBCPEF is suitable for aggressive investors who can withstand extended periods of market highs and lows to achieve medium to long-term capital growth for their investments.

The issue price / NAV of PBCPEF is at RM0.25 per unit during the 21-day initial offer period of 23 October 2007 to 12 November 2007. During the offer period, a special promotional service charge of 5.45% of NAV per unit is extended to the purchase of units of PBCPEF by investors. Investors who opt for Direct Debit Instruction with PBCPEF during the offer period will also enjoy the special promotional service charge of 5.45% of NAV per unit for as long as the Direct Debit is active. Terms and conditions apply. The minimum initial investment for the fund is RM1,000 and the minimum additional investment is RM100.

Monday, October 8, 2007

eCosway Alliance Bank Payment Card (Master Gold)

eCosway Alliance Bank Payment Card is specially designed for eCosway Business Owners and Cosway members to earn income when they spend. It make easy for normal people to profit from e-commerce. You can now turn your expenses into income by using credit/debit card affiliated with eCosway company.

It is no annual fee but the joining fee for Alliance Bank is only RM30 and eCosway is only RM100 (forever membership) which is very easy to cover back. There will not have any minimum income requirement.

I have my own Alliance Bank payment card since January of 2007. I still remember that I applied it at middle of October 2006 and it took about 2 and half month to complete the processing of my application. So, this is the only disadvantage when applying Alliance Debit Card. But, it is very useful and can earn lots of point that is beyond your expectation.

Mostly I used my debit card to make the payment of the insurance premium, which was made in half yearly payment. When you make any payment with RM100, you will earn 1 point. The point that you have earned can be used to bid any items at the Auction in eCosway. For your information, the Mcd and KFC& Pizza Hut voucher is the hottest bid in the Auction. But, Mcd voucher more worth because you only need to bid as minimum as 5 point or 6 points, then you will be the winner!!! But for KFC&Pizza Hut voucher, you need bid as minimum as 11 points to be the winner since you can use at KFC Restaurant and at the same time Pizza Hut restaurant. Depend on your needs...So, lets say you have won the Mcd voucher with only 5 point that you bid. In the end, you found that for every RM100 that you spent, you would get free RM10 Mcd voucher. Am I right? The benefit of the voucher is you can get RM50 in 5 pieces of RM10 rather than RM50 in single piece. You may see the picture as below which was the Mcd voucher looks like. But only 3 ? You know why? Because I have take 2 piece to enjoy eating with my brother already. Haha...

Normally, the Auction duration will be 1 month (about 35 days). When I participated the Auction, it is 14th Auction and the period is from 15th of July to 20th August 2007. After the due date, it will take about 10 days to process and the result will be released on 31th of August. Your eCosway ID will be found if you are the winner. Then, you will need to wait another 1 month to get the Auction Prizes Letter to change the prize at the redemption centre...

Friday, October 5, 2007

KFC Free Online Vouchers

You can print these out either in colour or black&white !!!

You may get KFC's vouchers in KFC eCraving or here to download/print. The voucher is valid until 31 Oct 2007. So,take action now !!!