Wednesday, November 18, 2009

Pengeluaran Akaun 1 KWSP untuk Trade Saham di BSKL

السلام عليكم ورحمة الله تعالى وبركات

Kepada sesiapa yang berminat bermain saham di BSKL, ini adalah peluang menggunakan akaun 1 KWSP anda dan trade secara online di Jupiter Security.

Untuk makluman, saya ada akaun di Jupiter Security ini dan ia adalah antara Security yg menggenakan fee yg murah.

Do you know that you can withdraw from your EPF Account 1 to invest directly in the stockmarket at very low brokerage rates?

Jupiter Online brings you another new product and service. Now, you can easily withdraw money from your EPF Account 1 to invest directly in the stockmarket. Jupiter Online partners with Amara Investment Management Sdn Bhd (“Amara”) to bring you this EPF Scheme.

The benefits of doing this are:

1. You can invest a portion of your EPF money into stocks of your choice.

According to analysts, it would be challenging for EPF to sustain dividend payouts of above 5% in the coming years. This is mainly due to the EPF’s huge fund’s size and strict mandate. In the longer term, the EPF’s performance will also be determined by its returns in investing in low-risks assets such as government bonds. EPF invest some 40% of its funds in bonds and loans as at last year. These asset classes have been experiencing dwindling yields. (Source: The Star, EPF returns on the slide, 19 March 2009).

If you are market savvy and wish to manage your own investment portfolio instead of hoping to earn 4%-5% returns on your EPF monies, we would like to encourage you to take advantage of this low cost investment scheme that may help you achieve higher returns.

1. One time draw down fee.

There is only a 3% one time draw down fee incurred, unlike Unit Trust investment. After the first drawdown, you can “buy” and “sell” as many times as you like without incurring another levy of draw down fee. In the case of Unit Trust investment, you will be charged repeated drawdown fee or Unit Trust charges every time you invest in a fund. When you sell Unit Trust funds, the sales proceeds will be returned to your EPF account on the due date. Hence, it is not easy to “trade” Unit Trust investment to make profit in view of the high transaction costs involved. The fund’s performance is very much dependent on the skills and experience of the fund manager. Good fund managers also change jobs for better remunerations and it would be difficult to follow good fund managers.

2. Time your Investment.

When you draw down your EPF money, the amount will be credited to a Client Trust account maintained with Jupiter Securities Sdn Bhd. You have the flexibility of making the investment immediately or time the market entry. All un-invested money in your Trust Account earns interest as well. You have total control of setting up your portfolio of stocks to maximise returns. Over diversification as in certain funds will compromise the rate of returns for your investments.

3. Very competitive brokerage rates.

For this EPF scheme, Jupiter Online offers very low brokerage rate of only 0.1% or min RM10 on per contract basis.

4. Save RM300!

Waiver of Establishment Fee of RM300 by Amara.

5. Reduction in initial minimum investment.

For Jupiter Online clients, Amara has agreed to reduce their initial minimum investment requirement from RM30,000 to RM25,000.

For full details on how the EPF Scheme works and the complete fee structure, please do not hesitate to contact your dealer representative or email

Wishing you success in life and profitable online trading experience with Jupiter Online.

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