Tuesday, November 21, 2017

Dana dana PMB Investment menunjukkan prestasi pulangan yang cemerlang, Alhamdulillah

Sekiranya ingin mengetahui lanjut atau ingin melabur dalam dana-dana patuh Syariah PMB INVESTEMENT Berhad, sila hubungi saya 
di whatsapp: +6019 2348786 atau www.wasap.my/60192348786 
(Ahmad Sanusi - Pengurus Agensi - PMB INVESTMENT Berhad)


*Prestasi lepas bukan jaminan prestasi masa depan suatu dana unit amanah.

Melaburlah dengan ilmu, berhemah dan sabar.

Dana patuh Syariah PMB INVESTMENT Berhad - 100% Halal dan cemerlang

Sekiranya ingin mengetahui lanjut atau ingin melabur dalam dana-dana patuh Syariah PMB INVESTEMENT Berhad, sila hubungi saya 
di whatsapp: +6019 2348786 atau www.wasap.my/60192348786 
(Ahmad Sanusi - Pengurus Agensi - PMB INVESTMENT Berhad)


Monday, November 20, 2017

Skim Pelaburan Ahli KWSP - dana-dana PMB INVESTMENT menduduki 2 tempat teratas - jumlah pulangan 5 tahun sehingga 16 November 2017


Untuk dana dana unit amanah patuh Syariah (Equity Malaysia - Islamic) yg boleh dilaburkan di bawah Skim Pelaburan Ahli KWSP, dana-dana PMB INVESTMENT menduduki 2 tempat teratas dari segi jumlah pulangan 5 tahun sehingga 16 November 2017. Alhamdulillah.

Sumber: data dari syarikat penyelidikan Novagni seperti pada yg boleh dibaca dari portal i-akaun KWSP.











*Prestasi lepas bukan jaminan prestasi masa dean suatu dana unit amanah.

Ahmad Sanusi
Agency Manager
Whatsapp: +60192348786

Friday, July 14, 2017

Friday, April 21, 2017

PMB Investment Berhad - Daily Price as at 21 April 2017

5 or 14 PMB Investment Berhad's Shariah-compliant funds have recorded total returns on year-to-date (as at 21 April 2017) of above 11%. i.e total returns in 3 months 21 days.

PMB Shariah Growth Fund - 17.43%
PMB Shariah Small-Cap Fund - 15.10%
PMB Shariah Aggressive Fund - 13.99%
PMB Shariah Dividend Fund - 12.40%
PMB Shariah Premier Fund - 11.06%

If interested to know more or to invest in PMB Investment's Shariah-compliant funds, please contact me at whatsapp: 6019 234 8786 (Sanusi Consultant PMB Investment KL).

Thursday, April 13, 2017

PMB Investment Berhad - Daily Price of Unit Trust Funds as at 11 April 2017

PMB Investment Berhad - Daily Price of Unit Trust Funds as at 11 April 2017.

To know more about the Islamic funds, please contact your Islamic unit trust consultant:
Whatsapp: 6019 234 8786 (Sanusi - Consultant, PMB Investment Berhad KL).

Monday, February 13, 2017

Summary of Islamic Unit Trust Investment with PMB Investment Berhad


Type of investment: Islamic unit trust funds (14 Islamic funds)

Asset management company: PMB Investment Berhad

Shariah advisor for the company: Amanie Advisors

Shariah advisor for the fund: BIMB Securities

Trustee for the fund: AmanahRaya Trustees

Returns in the forms of capital gain + dividend
Methods of investment:
i) CASH investment
ii) Monthly or regular investment
iii) Withdrawal from EPF (KWSP) - account 1

Recommended Minimum investment: RM500 (It's advisable to invest in at least 3 funds: therefore the recommended minimum amount is: RM500 x 3 = RM1,500)

Maximum: (n/a)

Withdrawal/Redemption: at any time (5 days notice)

Who can invest?
i) Individuals or corporations
ii) Residents or non-residents of Malaysia

For further info please contact your professional Islamic investment and financial consultant based in Kuala Lumpur or fill up the info request form below.
► www.islamic-invest-malaysia.com/p/info-request-form.html

or contact your professional investment and financial consultant:
Mr. Ahmad Sanusi at 6-0192348786 (Kuala Lumpur, Malaysia)
E-mail: sanusi.my@gmail.com

For information on unit amanah Islam/Islamic unit trusts (in Bahasa Melayu), please visit:
► www.unit-amanah-islam.net
The web site for PMB Investment ► www.pmbinvest.com.my

Wednesday, January 25, 2017

Positioning Malaysia as hub for Islamic funds

The Securities Commission Malaysia (SC) launched its latest Islamic capital market (ICM) initiative with the unveiling of a five-year Islamic Fund and Wealth Management Blueprint, which vision is for Malaysia to be a leading international centre for Islamic fund and wealth management (IFWM) and to drive further development and growth of the ICM. IFWM, despite having a longer history than sukuk and banking in general, continues to be the Cinderella of the ICM. This is despite the fact that there are almost 1.5 billion Muslims in the world and the size of the Muslim professional and middle classes with an increasing amount of disposable income and affluence, continues to grow both at home and in the diaspora. 

Wealth management in the form of estate planning, inheritance and pension provision in old age is vital both for investment and social security reasons. It is set to proliferate, especially following the launch in January of the dedicated RM100 billion Islamic pension fund, Simpanan Syariah, by the Employees Provident Fund (EPF), which has confirmed its plan to increase the fund by an additional RM50 billion next year. 

But, why has IFWM been slow to take off as the industry enters its fifth decade in its contemporary history? The reasons are manifold. The three main asset classes in investment portfolios are usually gilts (bonds and certificates of various sorts including sukuk), real estate and equities. While in the conventional system, all the above asset classes are tried and tested and culturally accepted, the same is not true of Muslim markets. 

The old adage that Arabs (and many Muslims) prefer to invest in bricks and mortars because they are tangible and can be “felt” is still having a psychological impact in the investment psyche of some Muslims, including high net worth (HNW) ultra-conservative ones. This despite the fact that the real estate sector, especially in the Gulf Cooperation Council countries, has seen several bubbles over the last few decades which has seen market collapses and affected ordinary investors badly. Governments have lowered the ceiling of exposure to real estate of banks and also banned gearing — stopping individuals borrowing money to speculate in property. 

In the equities market, Saudi Arabia and Malaysia are the two largest ICM markets by far, accounting for most of the estimated US$70 billion to US$80 billion (RM310 billion to RM354 billion) global Islamic equities market, of which the kingdom accounts for an estimated US$30 billion to US$40 billion and Malaysia RM132.4 billion. But, they pale in insignificance compared with the conventional counterpart, which has assets under management (AUM) in excess of a few trillion dollars. 

The sudden proliferation of the sukuk market over the last decade has detracted from the development of the equities market as financial institutions spent more resources in innovating sukuk structures as opposed to equity offerings, which on the whole remain vanilla. These asset classes, of course, are subject to the vagaries of economic cycles. Even global sukuk issuances in 2016 for instance is set to top US$80 billion, way below the US$130 billion in the halcyon days of 2012. 

IFWM, like most of the direction of investment financing in the industry has traditionally been geared towards HNW people. The Islamic finance industry has failed to democratise the syariah-compliant investment space, in particular access to capital markets. How many sukuk are aimed at retail and ultra-retail investors? Here Malaysia has set the standard with Dana Infra, which has issued retail sukuk to part fund the LRT expansion in Kuala Lumpur. 

Given that sukuk is now a globally acceptable investment asset class, it is not unusual to see the Californian State Pension Fund as an investor in such certificates. At least, in the equities side, Malaysia’s Islamic unit trusts and the Saudi National Commercial Bank (NCB’s) Al Ahli Islamic equity fund suite have pioneered access to syariah-compliant products. But, whether they have enjoyed the same government support in terms of tax and other incentives is a moot point. 

It is against the above challenging background that Second Finance Minister Datuk Johari Abdul Ghani launched the SC Blueprint on behalf of Prime Minister Datuk Seri Najib Razak. Malaysia has an impressive record of launching blueprints and master plans for the various segments of the Islamic finance industry, backed by the requisite legal, regulatory and enforcement frameworks. This is because it is the only country where Islamic finance has been treated in a holistic, systemic way. The Islamic asset and wealth management blueprint is the latest and, perhaps, belated manifestation. 

Najib in his message in the blueprint was to the point: “The IFWM Blueprint is a further demonstration of the country’s continuing leadership in Islamic finance as we seek to develop yet another new growth driver for the industry to enhance its value proposition and ensure its sustainability.” The three strategic thrusts of the blueprint are predictable — strengthening Malaysia’s positioning as a global hub for Islamic funds; establishing Malaysia as a regional centre for syariah-compliant sustainable and responsible investment; and developing Malaysia as an international provider of Islamic wealth management services. 

Similarly, the 11 recommendations of the blueprint, once again, feigns ambition than substance. There are interesting themes, including enhancing market access and international connectivity; promoting the growth of private equity; facilitating new digital business models, products and services for IFWM; and providing targeted incentives to strengthen international competitiveness. 

SC chairman Tan Sri Ranjit Ajit Singh reiterated at the launch: “As part of the holistic development of Malaysia’s Islamic markets and consistent with the Capital Market Masterplan II, the blueprint will also drive greater internationalisation of the Islamic fund and wealth management industry through enhanced cross-border capabilities and connectivity.” 

The reality, unfortunately, is that the Malaysian IFWM industry and institutional investors have been frustrating, parochial and ultra-conservative in their cross-border activities save for a few forays in Asean and Australia. For the blueprint to realise its potential, a mindset change by Malaysian asset managers is similarly required! 

Writer: Mushtak Parker - an independent London-based economist and writer

Source: New Strait Times (Malaysia)/25 January 2017
Alfalah Consulting - Kuala Lumpur: www.alfalahconsulting.com
Consultant-Speaker-Motivator: www.ahmad-sanusi-husain.com 
Islamic Investment Malaysia: www.islamic-invest-malaysia.com

Pelaburan Unit Amanah Islam: www.unit-amanah-islam.net

Tuesday, January 24, 2017

Malaysia Seeks to be Global Islamic Wealth Management Centre

With Islamic assets under management of some Rm132.4 billion (US$29.66 billion), Malaysia is well on its way towards establishing itself as the international centre of Islamic wealth management services.
The country’s aim of cementing its position as the Islamic wealth management capital of the world received a boost recently with the launch of a five-year Islamic Fund and Wealth Management Blueprint.
Unveiled by second finance minister Johari Abdul Ghani, the 51-page document focuses on three areas towards solidifying Malaysia as the centre of Islamic wealth management services globally. Specifically it will:
  • strengthen Malaysia’s position as a global hub for Islamic funds
  • establish the country as a regional centre for shariah-compliant sustainable and responsible investment
  • develop it as an international provider of Islamic wealth management services.
Mr Johari said that the recommendations are made to “provide flexibility within the overall target of the blueprint” to enable suitable adjustments, adding that “a tremendous amount of work is, however, required to ensure that the Blueprint strategies are appropriately put into place”.
Addressing the Securities Commission Malaysia (SC) International Fund Forum 2017, Mr Ghani said that with its comprehensive Islamic finance ecosystem and track record in innovation, Malaysia was in an “advantageous position to play a lead role in shaping the concept and driving the development of Islamic wealth management services”.
The blueprint will be implemented over a period of five years and is drawn up with the aim of developing and growing Malaysia’s Islamic capital market.
The first phase will focus on the formulation of a framework for issuance of SRI investment funds, the setting up of the global capacity building centre for Islamic Capital Market (ICM), and the establishment of digital investment services framework.

Asean’s Burgeoning Muslim Middle-Class

Malaysia’s interest in the rapidly growing Muslim middle-class, particularly in Asean where Muslims represent 42 per cent of the Asean Community’s (ACs) population is not without reason.
Speaking at the 12th World Islamic Economic Forum (WIEF) in Jakarta last year, Malaysia Prime Minister Najib Razak said that in 2014-2015 the Islamic economy grew at almost double the global GDP growth rate, while Muslim consumer spending is forecast to reach $2.6 trillion by 2020 (See: Cambodia Aims For Share of Halal Market).
The Islamic market in Malaysia is estimated to have been worth some $1.9 billion in 2013, with officials forecasting it to contribute about 5.8 per cent to Malaysia GDP by 2020.
Malaysia is not the only nation hoping to capture a larger slice of the burgeoning Muslim middle-class. While Malaysia seeks to be the centre of Islamic wealth management services, Cambodia hopes that the introduction of a formal halal certification process for restaurants and food producers will attract more Muslim tourists to the Kingdom and also strengthen the growth of the Kingdom’s nascent halal certified food sector.
Meanwhile, in Indonesia where the Islamic market is valued at more than $10 billion annually and growing at between 7-10 per cent,  the Islamic Development Bank (IDB) announced that to date it had approved $4.2 billion to support development projects.
The Bank said money had been dispersed in the areas of education, health, transportation, communication, industries, mining, power generation, agriculture, water supplies, and Islamic banking, as well as financing numerous foreign trade operations between Indonesia and other IDB member countries.
Source: AECNews/22 January 2017
Islamic Investment Malaysia: www.islamic-invest-malaysia.com

Pelaburan Unit Amanah Islam: www.unit-amanah-islam.net

Saturday, December 31, 2016

Shariah Adviser to PMB Investment - BIMB Securities Sdn Bhd (BIMBSEC)

BIMB Securities Sdn Bhd (BIMBSEC) is a stockbroking subsidiary of BIMB Holdings Bhd. It was incorporated on 21 February 1994.

The company’s corporate mission is to actively participate in a modern, innovative and dynamic Islamic capital market in Malaysia, catering for the needs of both Muslims and Non-Muslims investors looking for Shariah-compliant products and services. BIMBSEC is Corporate Shariah Adviser to 23 Islamic unit trust funds. As at 31 January 2017, the staff strength of BIMBSEC consists of 70 employees of whom 64 are executive staff and 6 are non-executive staff.

The company has an authorised share capital of RM250 million, and its current issued and paid-up share capital is RM100 million. The shareholdings of BIMBSEC are as follows:-

  • BIMB Securities Holdings Sdn Bhd (wholly owned subsidiary of BIMB Holdings Berhad) : 51%
  • BIMB Holdings Berhad : 49%
  • Zahari @ Mohd Zin bin Idris : Non-Executive Director
  • Rashid bin Ismail : Executive Director/CEO
  • Dato’ Johan bin Abdullah : Non-Executive Director
  • Abdul Kadir bin Sahlan : Non-Executive Director
  • Mohamad Rani Dali bin Samsudin : Executive Director
  • Mustapha bin Hamat : Non-Executive Director

  • Ir. Dr. Muhamad Fuad bin Abdullah
Ir. Dr. Muhamad Fuad, the designated person in-charge of all Shariah matters in BIMBSEC is appointed to the Shariah Advisory Committee of BIMBSEC effective 1 June 2011.

He graduated with a Bachelor of Science Degree in Electrical Engineering in 1977 and a Master of Philosophy Degree in Electrical Engineering in 1982 both from the University of Southampton, England. He also obtained a Bachelor of Arts (Jayyid) Degree in Shariah from the University of Jordan in 1994 and a Doctor of Philosophy in Muslim Civilization from the University of Aberdeen, Scotland in 1996.

Currently Dr. Muhamad Fuad serves as the Chairman of the Shariah Committee of MIDF Group of Companies and a member of the Group Shariah Committee of MNRB Holdings Bhd. He is a registered Shariah Adviser with the Securities Commission Malaysia (SC) which qualifies him to advise on Shariah-compliant products and services regulated by the SC. He is also a registered Shariah lawyer of Majlis Agama Islam Perak and an Adjunct Professor of Universiti Teknikal Malaysia Melaka (UTeM).

He sits on the boards of MIDF Property Berhad, Mesiniaga Berhad, Universiti Sains Islam Malaysia (USIM) and Institut Kefahaman Islam Malaysia (IKIM), a public company limited by guarantee.

Dr. Muhamad Fuad is the designated Shariah person in-charge of PMB Investment’s funds.

  • To advise on all aspects of unit trust and fund management business in accordance with Shariah principles;
  • To provide Shariah expertise and guidance in all matters, particularly on the fund’s deed and prospectus, fund structure, investments and other operational matters;
  • To ensure that the fund is managed and operated in accordance with Shariah principles, relevant SC regulations and standards, including resolutions issued by the SC’s Shariah Advisory Council;
  • To review the fund’s compliance reports as provided by the compliance officer and investment transaction reports provided by or duly approved by the Trustee, to ensure that the Fund’s investments are in line with Shariah principles;
  • To prepare a report to be included in the fund’s annual and interim reports stating its opinion whether the fund has been operated and managed in accordance with the Shariah principles for the financial period concerned;
  • To consult the SC where there is ambiguity or uncertainty as to an investment, instrument, system, procedure and/or process; and;
  • The Shariah Adviser shall meet with the Fund Manager on a quarterly basis for review of the Fund management or any other ad-hoc meeting as required.

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