Why Invest in Unit Trust?

Why Invest in Unit Trust?

•  Professional Investment Management
The fund managers who take care of your unit trust funds have access to information and statistics from leading economists and analysts. Consequently, they are in a better position than individual investors to identify opportunities for your investment to grow.

•  Diversification
Unit trusts allow you to broaden your portfolio. With your nest-egg spread across a basket of securities, your overall investment risks are reduced.

•  Liquidity
An investor can sell his units, wholly or partially, at the following trading day's unit buying price. Units have a high liquidity, that is, they can be readily converted into cash.

•  Ease of Transactions
Unit trusts provide investors with a simpler, more convenient and less time-consuming method of investing in securities. The paperwork that comes with managing your own portfolio of shares and bonds are handled by the fund manager.

•  Security
The interests of unit holders are protected by the appointment of an independent trustee to hold the fund's assets on behalf of the unit holders. The trustee will also ensure that the fund manager will always manage the fund in accordance to the Deed of the fund and the Guidelines issued by the Securities Commission.

•  Affordable and Flexible
The minimum initial investment amount is low as compared to investment in shares and/ or bonds. Furthermore, additional investment can be made in even smaller amounts than the minimum investment amount.

Book Review - Social Animal

Every winter the great and the good meet in Davos, Switzerland, for the World Economic Forum. And every night during that week at Davos, there are constellations of parties....”

“At the molten core of the party constellation, there is always one party that form the social Holy of the Holies – where former presidents, cabinet secretaries, central bankers, global tycoons, and Angelina Jolie gather to mingle and schmooze.... The Davos social universe, like social universe everywhere, consists of rings of interesting and insecure people desperately seeking entry into the realm of the placid and self-satisfied”

You will find these scathing words  second last chapter of David Brooks’ wonderful book titled The Social Animal: The HiddenSources of Love, Character and Achievement.

In this compelling book, David Brooks tells a story of two fictional characters, Harold and Erica. Theirs is a story of emotions, intuitions, genetic predispositions and deep inner longings.

By following Harold and Erica from infancy to old age, we learn how the unconscious mind plays a big part in our lives. 

What makes this book an interesting read is that it is part a novel and part science primer.

David Brooks is a New York Times columnist as well as a commentator on PBS NewsHour. His other books are Bobos in Paradise: The New Upper Class and How They GotThere (2000) and On ParadiseDrive: How We Live Now (And Always Have) in the Future Tense (2004)

Daily Healthy Things

There are simple daily routines you can do to enjoy better health. I have listed here the 5 that I have found most beneficial.


1. Get a good breakfast

2. Exercise

3.Drink Enough Water

4. Quality Supplement

5.Establish regular sleeping habits

How To Control Your Expenditures

Your finances are in a mess. You feel you have no control on your expenditures. Everything is so expensive and you are in the verge of giving up hope of ever building the dream house of yours.

I am not going to tell you that by reading this entry you are going to solve all your money problems. I am just going to share one simple tip that can help you control your expenditures

Write down daily where you are spending your money.

I have been doing this for 3 months now and this makes me conscious of where I am spending my money. I keep my receipts for the day and the next morning I jot down my expenditures for the previous day. This makes aware that I have spend a certain amount of money yesterday and acts as I reminder for the day to keep my spending within a certain amount. At the end of the week I total up the week's spending.

By doing this, I know exactly how much I spend on each item. And at the end of the month I know how much I have spent and where I have spent my money.

By writing down my expenditures I am aware where I can cut down and this helps me to save.

It takes a bit of discipline to this everyday, but don't lose heart if you skip a day or two - just remember to write it down the next day.

I chose mornings to do this, but you can do this any time of the day. Pick your own convenient time, just remember to total up every week and every month.

Try this and tell me.

The Benefits of Pomegranate

Pomegranate is a fruit you will find in paradise. It is one the earliest cultivated foods and studies have shown  that the pomegranate is one of the most powerful, nutrient dense foods for overall good health is known have many benefits.

Punicalagin is a  compound found only in pomegranates and is shown to benefit the heart and blood vessels. Punicalagin is responsible for pomegranate's antioxidant and health benefits.

Pomegranate is one of the few foods has natural aromatase inhibitors — meaning that they inhibit the production of estrogen, which can reduce breast cancer risk.¹¹

Here are some of the benefits of pomegranate

1.    Prevents heart disease

2.    Lowers Cholesterol

3.    Lowers Blood Pressure

4.     Promotes reversal of atherosclerotic plaque in human studies

5.    May have benefits to relieve or protect against depression and osteoporosis

6.    Helps Digestion

7.    Improves Immunity

8.    Improves the Libido

9.    Anti-Ageing

10. Lowers Stress Level

11. Lowers Risk Of Alzheimer

Being Your Own Person

Most times you have to ignore what others say of you. You can listen to what they have to say, but you must always make your mind.

Depending on who you are, most your friends might be genuine. They are your friends because you are who you are and they are who they are. If this is the case, it is well and good. This, however does not make their advice foolproof. In their sincere wish to see you do well, they might be harming your progress in life.

 Sometimes you have friends that are not sincere in their feelings towards you. They might be nice to you but they really don’t like seeing you doing whatever is that you are doing. You might be richer, more good looking, live in a house on top a hill and your model wife drives around in a Ferrari. You simply have more than them and this makes them feel second class. Quiet jealousy takes hold of their heart and they start to grow to hate while putting up a friendly persona upfront. These friends are what you refer as “ friends”. Nothing makes them happy than to see you fall. These “friends”, you must know who they are and be wary of their words.

And then they are people whom you met 5 minutes ago telling you their life story and giving advice on how to run yours.

It is good to learn from others. You can listen. But you must decide your own course to take. It is your life.

Having a Quiet Mind 2– Don’t bother with those that doesn’t concern you

…In other words, don’t be a busybody. Thinking about things that which have nothing to do with you only clutters your mind. This saps your energy.

Focus on issues that affects you.

If you are living in Malaysia, you should not worry about the bushfires in Australia or the crime rate in South Africa unless you going there. Better to think about the dengue threat in your neighbourhood.

I have a friend who is living in Ipoh and have no plans to invest in any real estate  but  is concerned about real estate prices in Sydney. He thinks so much about so many things that he complains he is always tired and is convinced that the world is going to end very soon. This is no way to a live.

This world has too many issues and all its problem will not go away. Leave them alone. Only focus on your live and things under your control. Free your mind from unnecessary worry and tension.

Do this and you will have more energy and peace in your life.