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Friday, December 5, 2008

Investment Account....Did you have it??


Yesterday on news, PNB president and chief executive Tan Sri Hamad Kama Piah Che Othman said PNB is confident of paying 7% to 8% to ASB and ASN investors by end of this year. Official announcement will be made by end of this month.

Exciting news for ASB investor,right?With previous year performance they gave dividend for 8% + 1% bonus,for surely the return is more profitable then saving,fix deposit or Tabung Haji.But this news for me is meaningless,unfortunetely i dont have any account with PNB(ASB Fund Management).But i will not regret about it.For several year i found that ASB fund was not approved by Syariah Comitee,why must I trapped into it."Syubhah" is still a sin,right.

Despite of Majlis Fatwa Negeri like Perak,Sarawak and few academician adviced that BUMIPUTERA(especially Muslim) is necessary to buy an ASB unit for increse Muslim economy for 'KEMASLAHATAN'..For full article please view this link : http://www.zaharuddin.net/content/view/224/95/
I hope that,from these article you can understand about what i'm try to say.Please read an article,and after that do your own judgement.For me, I'm still stayed with what I mention before.

Besides,many another option to invest with syariah compliance in Malaysia.With hundred of unit trust islamic fund in market,also why left behind Tabung Haji account.We make more money for complete terms 4&5 in Islamic Rules,remember?? 4.Paid 'ZAKAT' and 5.Obtaining 'HAJI'..Even the profit is low (arround 4-5% plus bonus less than 2%)it's still profit,and for surely 'barakah'for our intention(nawaitu).However it's our decision to invest where is it,just make sure the investment is profitable and so importantly, it's 'halal'.

Nowadays, I think that another good option is buying a gold.This is the firm stable method in long run investment.For sample,if we had quarters(1/4) of dinar in year 1990 we can buy 30 bags of rice for that.And with the same coin for now,also we can buy 30 bags of rice.So,this is what we call stable method.Dosn't meaning if we invest in some investment product, but after several years its value is more cheeper even its profitable.Eventually our value of money has been swallow by inflation.It's a long topic,maybe we can further it later.

Above,is sample of Gold Material that we can buy for investment.It's name was 'KIJANG EMAS'.The product were produce by BNM(Bank Negara),and the value is certified by them.Buying and selling transaction price is refer to current Gold market price.However,DINAR EMAS Kelantan also offer the same method.Just keep in mind to buy it soon yaa..hehe..After all,dont forget a 2.5% zakat for keep gold exceed 85 gram..Islam Rules,dont forget..So,what do you say,let make an investment.Open your Investment Account just right now..there is no later.

"SELAMAT HARI RAYA AIDIL ADHA 1429H"

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