Ready For Higher Return Than Just ASB or Tabung Haji?

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ASB & Tabung Haji fund probably the most favorite unit trust/ mutual fund/ amanah saham (or whatever you want to call it) among us. Financially, both are good fund indeed since they provide modest return in the long-run.

What if I tell you, you can get higher return than ASB or Tabung Haji quite easily?

The way to go: buy high dividend yield stock…

Dividend yield (DY) is cumulative dividend payout for the past 365 days (can also be for that particular Financial Year (FY)) by the company to its shareholder divided by its share prices.

For example, if a company had been paying RM0.25 per share for the past 365 days and its share price is RM2.40, DY is about 10.4%. In this case, if you draw RM5000 from you ASB or Tabung Haji and buy this stock (for about 2083 unit), you stand a chance to receive RM216.63.

Now, try comparing that with your ASB or Tabung Haji return, which one you prefer?

You can use Business Section in your favorite local newspaper for quick comparison. I myself subscribed to STAR on daily basis. I love STAR than any other because their news reports are quite “neutral”. Speculation in media is normal but their journalists able to make it looks professional with some provoking thoughts.

Anyway, listed below are some of the listed companies that offering “double-digit” DY (price closed last Friday) & (may not be islamically viable):

Company DY
Maybank 10.9
Gamuda 10.4
Maybulk 13.6
BJCorp 10.7
JTInter 11.5
Media 12.6

**P/S: Illustration Only

In most cases, unit trusts use this same strategy under “income fund”.

Unlike if you buy this “income fund” kind of unit trust, dividend payout that you’re going to get can help you reduce your income tax. Furthermore, it’s equivalent to “tax rebate” than just a regular “tax relief”.

Do you realize that if you invest in any income fund, your income is really subjected to double taxing?

First, when your fund manager received the dividend payout from a company, they have to pay tax to government as cost of doing business. Then, when they extend the profits to you (after the fund manager pay tax to government), you have to declare those dividends in your income tax; which obviously included in the taxable income.

Best of all, you don’t have to pay management fees which normally cost 0.5-1.5% too. 1% may sound very little sum, but if the return is only 5%, that’s equivalent to 20% profit reduction. I don’t know you but to me, that’s a lot!

Before you start buying any dividend stock, just hold tight. I’ll share kenapa kadang-kadang this type of strategy don’t work in the next article.

Interested to know more? Stay tuned…

Don’t forget to  subscribe to my RSS Feed mentioned above if you are ready to get more return from this strategy… If you think this blog post can benefit others, let your friends know about this. Lagipun, that’s all good friends did if they found something useful themselves…

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27 responses to “Ready For Higher Return Than Just ASB or Tabung Haji?”

  1. erynn Avatar

    kamu, saya sudah memasuki pertandingan MSK chantek-chantek di blog saya yg bersawang itu. hahah. segan sbnrnya nak kasik org masuk tapi nak start berjinak2 balik.
    ada harapan ke? saya tidak glemer la. haha

    1. Mommy Lyna Avatar
      Mommy Lyna

      tak glemer takpe. gunakan kroni2 yang ada. hahak.

      JANGAN PAKAI PENGUNDI HANTU SUDAH.

      🙂

      1. mama emma Avatar

        haha… part statement pengundi hantu tu yg x tahan tu… haha

  2. zuhaini Avatar

    erm.. menarik.. tp saya pening la.. kesimpulannya mana nak cari bank yang DY tinggi..? kita just drop by and tanya ka..? aduh.. pening datang… 🙁

    1. Mommy Lyna Avatar
      Mommy Lyna

      Zu,

      ni tak sama mcm beli financial produk from any bank (mcm unit trust, takaful, insurance etc). It’s like you buy saham of that company from bursa malaysia and tunggu company yg you beli tu bagi dividend. dividend biasanya dibayar setiap 3 bulan (quarterly) atau setiap 6 bulan (half-yearly); ada jugak yg bayar by end of the year jek, tp this kind of stock jenis selalu bayar dividend.

      jika ada sapa2 yg masih keliru, tanya je kt sini. I’ll try explain more of this topic.

  3. knv Avatar
    knv

    macam ku kenal aje pengundi hantu tu!

    😛

    -dari saya yang hantu-

    1. Mommy Lyna Avatar
      Mommy Lyna

      haha, no comment…

  4. mded Avatar

    Terima kasih kerana share info ni..

    1. Mommy Lyna Avatar
      Mommy Lyna

      u r welkam 😉

  5. aidie Avatar
    aidie

    interesting topic. tapi some of us still skeptical nak beli this share thingy (incl ME!!). tak sabar nk tgu the next article 🙂

    1. Mommy Lyna Avatar
      Mommy Lyna

      yeah, sure… if you have insufficient knowledge about something, better not, even if looks so simple for some people.

  6. Lana Avatar
    Lana

    whats the difference between tax rebate and relief? plz explain further. tnx.

    1. Mommy Lyna Avatar
      Mommy Lyna

      tax relief can only help you reduce the taxable income. By doing so, your tax bracket might be fall to lower category too; which means less tax payment.

      tax rebate, on other hand, has nothing to do with taxable income. Meaning, after all your tax relief (like books, medical cost, or from no of anak-anak), you’ll know how much you are going to pay; let’s say RM1000. If you get dividend from certain company of RM100 and been taxed RM28 upfront, you only have to pay RM972 instead of RM1000 since government assume you have been paying RM28 earlier.

      Is it ok with you this way?

  7. SueRosly Avatar

    Want to wish all mothers, HAPPY MOTHER’S DAY. 😀

    1. Mommy Lyna Avatar
      Mommy Lyna

      happy mothers day to you too 😉

  8. kakyong Avatar

    salam,
    kakyong ade beli share in 1 of PLC (public listed company).. 1 lot jer.. yearly ade le dpt RM40-60.. 🙂

    1. Mommy Lyna Avatar
      Mommy Lyna

      aha, nanti boley la tu tambah investment kakyong 😉

  9. noranas Avatar
    noranas

    salam.. saya dah baca n menarik gak topik nie..

  10. noranas Avatar
    noranas

    tapi apa kata u guna 2 bahasa.. english n malay.. sure lagi ramai yg paham ooo

  11. rushna Avatar
    rushna

    macam mana dgn unit amanah spt public mutual….ok ke

  12. nadnye Avatar

    can’t wait for the next article…

  13. nana Avatar
    nana

    menarik gak… thanx mommy lina!!!

  14. babycomel Avatar
    babycomel

    lyna,

    pandangan i kabur2 la bole tlg explain more detail ka???

    p/s: i nie graduan econs tp hampeh…..ngehngehngeh….

  15. […] designed for MySuperKids readers only. Thanks for visiting!If you still remember my blog post about getting higher return than ASB or Tabung Haji last week, you must be wondering “what next” by now. Sebelum itu, sejurus selepas saya […]

  16. edysyahrul Avatar

    ada juga company yang boleh ‘tipu’ pasal dividen ni..

    contohnya, bisnes mereka tak berapa menguntungkan utk FYE 31 Mei 2010 compared to FYE 31 Mei 2009, tapi oleh kerana dah biasa bagi dividen yang ‘hebat’, maka mereka ambil juga sebahagian besar daripada keuntungan untuk bayar dividen, or worst, buat hutang lain untuk membolehkan syarikat mereka memberikan dividen tu..

  17. Kayden Avatar

    That’s a skillful answer to a dicffiult question

  18. Satch Avatar

    Me and this article, sitting in a tree, L–NGER-N-I—A!

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