About Us - Dinar Consultants Agency (DCA)

Achmade Zakry Ghazali ,
Founder of Dinar Consultants.
“We are more than a service. We are a resource for our clients. They rely upon us to address their investments because of our depth of expertise as well as our national network of contacts in the corporate, entrepreneurial, and public sectors”.

Dinar Consultants
In December 2005, Dinar Consultants was founded by a young potential entrepreneur, Achmade Zakry Ghazali, to provide high quality cutting edge Unit Trust Investment superb service for its valued clients and continuous training for its unit trust consultants. Dinar Consultants is a direct agency under the management of an award-winning agency, Sterling Consultants Agency.

In both the Islamic funds and Conventional funds marketplaces, Dinar Consultants Agency is a respected resource for personal investors, corporate companies or even other financial consultants who seek our expertise. With Dinar Consultants as your unit trust consultant, you can conduct your unit trust transactions with confidence knowing your investment will be monitored regularly. We founded Dinar Consultants Agency to transform our knowledge into value for our clients. It is very satisfying to earn their trust, transaction after transaction.

Literal Meaning of Dinar
Dinar means gold or money, a unit of money widely used in Muslim countries.

Technical Meaning of Dinar
Dinar is a combination of two words, Deen ( Religion ) and Nar ( Hell ). It can be interpreted as money is good only if we use it for the good deeds. On the contrary, if we use money for the evil purpose, we’ll be burnt in the Hell. ( Nauzubillahi min zhaliq )

“...And there are those who bury gold and silver and
spend it not in the way of Allah: announce unto them a most
grievous penalty. On the Day, when it will (all) be heated in
the fire of Hell, and with it will be branded their foreheads,
their flanks, and their backs. (and it will be said unto them) :
This is the (treasure) which you buried for yourselves: taste
you, then, the treasures you buried”
( Surat at-Tawba : 34-35 )

Our Services
Individual & Corporate Unit Trust Investment
EPF ( KWSP ) Investment Scheme
Islamic & Conventional Investment
Retirement Planning or Children Education

Our Roles
· To create awareness among people about the importance of financial planning, encourage them to save their hard-earned money and invest wisely.
· To help clients analyse their financial situation, establish their investment goals and propose an investment plan.
· To continuously monitor and rebalance clients’ portfolio(s) to check on their investments' potential returns.
· To build a trusted relationship with clients by providing ethical and professional advisory services.
· To continuously upgrade skills and knowledge with the aspiration of being a ‘value-creating’ consultant.

Our Vision
We are a service-oriented team of diverse unit trust well-trained consultants, backed by the No.1 Unit Trust Company in Malaysia. It is our vision to meet and exceed our clients' expectations. We achieve this vision by combining our industry insight and unsurpassed technical expertise with faithful service - confident that, by doing so, we are enhancing the value of unit trust investments in a free economy.

Our Mission
As an agency of the No.1 Unit Trust Company in Malaysia, Dinar Consultants Agency adheres to and promotes "the standards of excellence" espoused by the Company.



Sterling Consultants
Meanwhile, Sterling Consultants was founded in 2004 by well trained leader, MFGAM Adi Sasteria Nurputra. Under his great leadership and strong supports from other team members, Sterling Consultants is one of the top agencies in The No.1 Unit Trust Company in Malaysia. It has been awarded for its strong performance by the Company since 2005.

Sterling Consultants is backed by its excellent networking agencies, such as Sterling Consultants 2 led by MFGAM Amylia Shariza, NetWorth Consultants led by MFGAM Mohd Amin Yahya, Atrium Consultants led by MFGAM Hismazatul, GrowRich Consultants led by MFGAM Iskandar Zulkarnain, Titan Consultants led by MFAM Md Shah Muhaimin, MaxWealth Consultants led by MFAM Amri, Prodigy Consultants led by MFAM Sherry Arizal, Millionaire Warriors led by MFAM Mimi Mior, MFAM Hisham & MFAM Siti Uraidah, KAK Consultants led by MFAM Khairil Annuar Abd Kadir and last but not least Dinar Consultants Agency (DCA) led by MFAM Achmade Zachary Ghazali etc.

Sterling Consultants’ Credentials
Nationwide Achievements


2009 Awards

Champion Group Agency Manager 2009

Champion Mutual Fund Manager 2009

1st Runner-up Mutual Fund Manager 2009

Champion Mutual Fund Supervisor 2009

1st Runner-up Mutual Fund Supervisor 2009

Champion Mutual Fund Consultant 2009

Million-Dollar Producer 2009

2008 Awards

1st Runner-up Group Agency Manager 2008

1st Runner-up Mutual Fund Manager 2008

2nd Runner-up Mutual Fund Manager 2008 2nd Runner-up Mutual Fund Supervisor 2008

Top 6 & 14 Personal Sales Producer 2008

Million-Dollar Producers 2008

2007 Awards
Champion Agency Manager 2007
Champion Mutual Fund Agent 2007
1st Runner-up Mutual Fund Supervisor 2007
2nd Runner-up Mutual Fund Supervisor 2007
Top 4 & 10 Personal Sales Producer 2007
Million-Dollar Producer 2007

2006 Awards
Champion Mutual Fund Supervisor 2006
2nd Runner-up Agency Manager 2006
No 6 Personal Sales Producer 2006
Top New EPF Sales Award 2006
Million-Dollar Producer 2006

2005 Awards
Top Mutual Fund Agent 2005
Million Dollar Producer 2005

Achmade Zakry Ghazali,
http://dca2u.blogspot.com

Why Should You Choose Dinar Consultants ?

Consultant
Dinar Consultants Agency's team of consultant possess tremendous of experience managing individual and corporate investments for the Malaysia’s Number 1 Unit Trust Company. Individually, and as a group, they have distinguished themselves as sought-after experts and advisors in the unit trust investments and client management industries. With the Dinar Consultants team, you can be confident of receiving faithful service backed by unsurpassed expertise every step of the way.

Security
Dinar Consultants Agency is trustworthy. We manage millions of Ringgit Malaysia in escrow funds. We represent some of the most financially investors in the country, including:
§ VIPs and VVIPs
§ Politicians
§ High net worth people
§ Government servants and private workers

As investors, they trust Dinar Consultants Agency to manage and monitor their investment portfolio(s) with the highest integrity available.

ResponsivenessExceptionally knowledgeable specialists from our team of responsive, customer-focused professionals will attend to your every need and question confidentially with integrity and accuracy. Our top-quality services are thorough, and your need for privacy respected.

Expertise
Resourceful managers backed by a skillful team of agent guide the process, bringing to each transaction decades of expertise in unit trust investments. With confidence in our depth of experience, intellectual capital, and technical expertise, clients turn to us again and again to manage their investments and to solve their financial problems.

Resourcefulness
We are an entrepreneurial-driven group that can mobilize quickly. We are always accessible to respond to your needs. And thanks to our smart technology, we can handle transactions of any size or complexity at any one of our offices. We have about 25 offices in the country including Sabah and Sarawak.

Faithful Service
Our consultants are trained to provide a personal approach to courteous service and to follow strict controls and procedures, start to finish. We have exceptionally knowledgeable personnel and the best technology available today to provide top-quality service.

Achmade Zakry Ghazali,
http://dca2u.blogspot.com

Contact Us - Dinar Consultants Agency

Contact Information

" Taking care of business means taking care of you". That is why I work hard to assist you in selecting the appropriate investments :

Achmade Zakry Ghazali,
Dinar Consultants Agency,
11, Jalan Bangsar Utama 3,
Bangsar Utama, 59000,
Kuala Lumpur,
Malaysia.


Office Hours :
Monday – Friday : 9:00 a.m - 6:30 p.m
* Evenings and weekends by appointment.

Office : (603) 2283 5461
Fax : (603) 2283 5739
Mobile : (6013) 2121 200
Email : achmade.zakry@yahoo.com
Website : http://www.dca2u.blogspot.com 

Product & Services
• Individual & Corporate Investment
• EPF ( KWSP ) Investment Scheme
• Islamic & Conventional Investment
• Retirement Planning or Children Education

AZG
Achmade Zakry Ghazali

Achmade Zakry Ghazali,
http://dca2u.blogspot.com

As a unit trust consultant in Dinar Consultants, you’ll be in an excellent position to explore the largely untapped multi billion ringgit unit trust industry.

• Unlimited Income ( up to 7-figure annual income )
• Working in The No.1 Unit Trust Company in Malaysia
• Year-End Bonus
• Breakaway Bonus
• Equalization Bonus
• Career Benefits
• Profit Sharing for MFGAMs
• Free insurance coverage
• Loan subsidies (car & computer)
• On-going commission for beneficiaries
• Certificate in Financial Planning (CFP) subsidy scheme
• An opportunity to be your own BOSS !!

Dinar Consultants offers high quality educational training in the following areas

i) Personal Development Success,
ii) Financial Success and
iii) Sales Success.

We at Dinar Consultants also utilizes a large network of highly trained educators and certified sales industry professionals such as Stars Academy to transform our consultants to their ultimate success.

Our Business Opportunity Preview (BOP) will be held every Wednesday at
Jalan Bangsar Utama 3,Bangsar. Please call Zachary at +6012.692.8877 for your attendance.

We highly welcome you to attend our BOP and see what we could help you for your Ultimate Success.

Achmade Zakry Ghazali,
http://dca2u.blogspot.com

TEN NEW FUNDS LAUNCHED IN JANUARY 2010

NEW LAUNCHES – Ten new funds were launched in January

this year compared with three funds during the same month of
2009. This, with a total approved fund size of 4.1B units,
was also the largest number of funds introduced since
August 2008. The fund size ranges between RM50M and RM375M,
comprising largely of equity category with exposure on the foreign markets.


• As at end-January 2010, there were 39 UTMCs managing 601
funds.
• Out of the total funds, 164 or 27.3% were Shariah compliant
with a combined NAV of 14.0% of the industry’s net asset
value, while the conventional funds numbered 437 funds or
72.7% with a market share of 86.0% of the total industry.
• The unit trust industy’s NAV rose 2.2% m-o-m to RM204.4B in
January, experiencing 20.4% of the total market capitalisation
of Bursa Malaysia. This is significantly below the rates of over
40% seen in more mature markets.
• UNITS IN CIRCULATION (UIC) – The industry’s UIC continued
to expand further in January by 2.5% m-o-m or 7.1B units to
290.245B units. This was the fastest monthly rate of
increase for the industry since July 2009 when it grew
by 2.7%.
• The inflows in January were largely of equity Malaysia
category with a total of 5.8B units. More than 50% was
contributed by the reinvestment in Amanah Saham Bumiputera
fund, following the recent declaration of an income distribution
of RM4.95B for the financial year ended December 2009 to 6.78M
unit holders.
• However, the equity funds namely equity by sector category had
reported a slight inflow of 42.7M units, while equity offshore
funds incurred a net redemption of 1.0B units. Consequently,
the units in circulation for the equity category in January increased
by 4.9B units compared with 4.9B units in December 2009.

• The withdrawals in equity offshore category were largely of
funds investing in China and Asia Pacific equity markets following
huge market pullbacks during the month.
• The industry also saw the money market and bond
categories gaining in January by 1.9B units and 0.4B units
respectively. Other categories, namely target maturity,
protected, guaranteed as well as mixed asset categories incurred
slight redemptions totalling 0.6B units.
• Compared with the same period of last year, the
industry’s UIC grew 18.6%, or 44.5B units to 290.2B units
as at end-January 2010.
• Equity funds contributed 36.5B units of the total increase, followed
by 8.0B units from money market category and 2.0B from the
bond category. The mixed asset, target maturity, commodity
and others classification saw a net increase of 1.7B units.
• The increased industry’s UIC has helped raise the overall
industry’s subscription rate to 49.16% in January this year from
48.23% charted in the same period of last year.
• Meanwhile, investment per account rose by 9.2% y-o-y
to 20,434 units per account in January 2010 from 18,719
units per account charted a year ago.

2010 UNIT TRUST INDUSTRY PERFORMANCE

The local unit trust industry started the New Year on a convincing
note in January with all its key indicators displaying positive
results. This was despite a slight hick-up in returns as global
markets plunged due to a series of negative sentiments.

• The industry units in circulation increased 2.5% m-o-m
in January totalling 7.1B units, the highest since July
2009 amidst ample liquidity in the financial system. Almost
80% of the total accumulated units were derived from Amanah
Saham Nasional Berhad (ASNB) fixed funds while the remaining
1.5B units were funds managed by other private unit trust
management companies.

• 10 funds were introduced by seven UTMCs, comprising
largely the equity-linked funds.
• The continued expansion in the industry reflect sustained investor
confidence supported by positive economic outlook in domestic
and Asia Pacific region.

• In the domestic economy, the Consumer Sentiments Index (CSI)
and Business Conditions Index (BCI) continued to show
improvements, rising 4.2 and 5.1 points respectively in the 4Q09.

• In the latest IMF World Economic Outlook January 2010, the
global economy is expected to rebound to positively impact in
many emerging and developing economies, followed expansion
in internal and external demand.