Contact Us - Dinar Consultants

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,
11, Jalan Bangsar Utama 3,
Bangsar Utama, 59000,
Kuala Lumpur,
Malaysia.


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

Office : (603) 2283 5735
Fax : (603) 2283 5739
Mobile : (6012) 692 8877
Email : achmade.zakry@yahoo.com
Website : 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

Three Major Ways To Invest in Unit Trust Investment

There are three major ways to start investing in unit trusts :

Lump Sum Purchases
This is where an investor has a lump sum to invest into a unit trust. This may be the only investment the investor wishes to make. Over a period of time (3-20 years), the initial investment will increase as distribution and other income is earned by the fund. When redemption or sale of the units take place, the unit-selling price will reflect the accumulation and compounding of capital over the relevant periods. It is this compounding effect over time which makes accumulation type investments, such as unit trusts, so attractive to the investor.
For example, someone who has recently inherited a sum of money may wish to invest the funds into a unit trust and hold it for an extended period to save for some specific purpose. e.g. children's education. At the end of the holding period, the proceeds of the sale of the units will be the initial investment plus the returns on that amount, accumulated over the period.

Regular Savings
Some people invest in unit trusts by making regular (e.g. monthly) contributions to their fund. This is an ideal, disciplined and useful way to accumulate capital for a future need. By making regular contributions over a period of time, the sum accumulated at the end of the period will increase. This is commonly known as dollar cost averaging.
At the end of the period, the redemption (or sale) price of the units held will represent the accumulation of all contributions, plus returns generated from the total contributions since the first purchase was made. The effect is more noticeable the longer the holding and contribution period. This form of savings is the basis of most pension fund accumulation e.g. the Employees Provident Fund.

EPF Transfers
Investors may also invest in unit trust funds through transfers of eligible amounts from his EPF account 1. EPF members who have savings of at least (see the table below) in account 1, are eligible to withdraw from their EPF savings to invest in unit trusts.

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

Benefits in Unit Trust Investment

Professional Investment Management
A unit trust combines the capital of many investors to employ experienced management in purchasing securities of many companies. The management of a unit trust provides diversification of investments and supervision which few investors could individually afford. Investment management is a full time job requiring specialised knowledge and training. It involves the study of a variety of factors. Some of the factors which have to be examined are,
Comparisons of all industries in the economy

i) Relative studies of companies within a promising industry
ii) Personal contact with management of promising corporations
iii) Evaluating the effect of international events, both monetary and political
iv) Determining the results of government policies on each industry

Professional management is also interested in studying less obvious factors such as wage rates, which might affect the economy or the profitability of certain companies or corporations. It requires careful study of individual companies within the industry to determine which of the many companies offer the best prospects for the investors. It requires comparing this company with the best companies in other promising industries. Since all this factors are constantly changing, re-evaluation and study have to be continuous.

Diversification
Diversification means spreading one's investments among many securities. It is an important method of reducing risk. It decreases the danger of damaging losses, which can occur through having all of one's eggs in one basket.
Diversification is difficult and expensive for a small investor because the cost of purchasing numbers of shares in many companies at the same time is disproportionately high.
Unit trusts with their resources are able to make widely diversified investments available to even the smallest investor. Diversification involves the ownership of many different securities. All the securities owned by an individual investor or unit trust fund are referred to as an investment portfolio.

LiquidityAn 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.
It has to be remembered, however, that unit trust’s units will be redeemed at the prevailing buying price on the following day after receipt of the repurchase form. The unit price may be higher or lower than the price at which the investor started the plan. Unit trusts should be regarded as a long term, rather than short term investment.

Advantages of CompoundingMany unit trust funds provide facilities for investors to reinvest their distributions. For those who opted for distribution reinvestment, the fund will automatically credit the distributions into the account, rather than sending distribution warrants.
This process of reinvesting the income from the original investment and also of reinvesting the return on the total accumulating investments is called compounding.
As an illustration, if at 25, you invested RM100 at the beginning of every month at an interest growth of 10% per annum until age 65, your investment would have grown to RM638,000 ! The key element to compounding is time. The longer the period of time, the greater the growth.

Regularity of Investing
Many people do not have substantial sums of cash available to invest, but they can develop an investment account, investing smaller sums regularly in a unit trust.
Most unit trust funds have plans available to make it possible for smaller investors to invest relatively small amounts monthly. It is easy and inexpensive for an individual to acquire units through deposits of RM100 or more a month in a unit trust fund.

Fund Administration - The Convenient Factor
Few people have the experience, time or facility to properly set up an investment programme, much less to supervise it constantly. Unit trust managers have emerged as professional organisation devoted to solving the investment problems of people from all walks of life.
Unit trusts relieve their investors of the need to handle their own securities transactions. Investors in unit trust funds are not obliged to concern themselves with matters such as,
Obtaining quotations on securities being bought and sold

Delivery and payment for the securities involved in each transaction
Safekeeping of cash and securities
Accounting and bookkeeping procedures, etc
Investors of unit trust funds will receive semi annual and annual reports which describe

a. The portfolio of the funds
b. Investment changes made in the period
c. Distributions paid, if any
d. Fund manager's opinion on the economic and market outlook

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

What Is Unit Trust ?

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

Why You Should Choose Dinar Consultants

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.

Responsiveness
Exceptionally 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 Zachary Ghazali,
http://dca2u.blogspot.com.

About Us - Dinar Consultants

Achmade Zachary 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 Zachary Ghazali ( AZG ), 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 their 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 NetWorth Consultants led by MFGAM Mohd Amin Yahya, GrowRich Consultants led by MFAM Iskandar Zulkarnain, Titan Consultants led by MFAM Md Shah Muhaimin, MaxWealth Consultants led by MFAM Amri, Atrium Consultants led by MFAM Hismazatul, Prodigy Consultants led by Sherry Arizal etc.




Sterling Consultants’ Credentials
Nationwide Achievements

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 Zachary Ghazali,
http://dca2u.blogspot.com.

History of Unit Trust Industry in Malaysia

History of Unit Trusts in Malaysia

Malaysia introduced the unit trust concept relatively early compared to its any Asian countries. In 1959, a unit trust was first established by a company named Malayan Unit Trust Ltd.

The Development of Unit Trusts Industry

The Formative Years: 1959 -1979
The first two decades in the history of the unit trust industry were characterised by slow growth in the sales of units and a lack of public interest in the new investment product. Only five unit trust management companies were established, with a total of 18 funds introduced over that period. The industry was regulated by several parties including the Registrar of Companies, The Public Trustee of Malaysia, Bank Negara Malaysia and the Ministry of Domestic Trade and Consumer Affairs.
The 1970s also witnessed the emergence of state government sponsored unit trusts, in response to the Federal Government's call to mobilise domestic household savings.

The Period from 1980 to 1990
This period marks the entry of government participation in the Unit Trust Industry and the formation of a Committee to regulate the unit trust industry, called the Informal Committee for Unit Trust Funds, comprising representatives from the Registrar of Companies (ROC), the Public Trustee of Malaysia, Bank Negara Malaysia (BNM) and the Capital Issues Committee (CIC).
The 1980s marked a significant development in the history of the industry when the Skim Amanah Saham Nasional (ASN) was launched by Permodalan Nasional Berhad (PNB) in 1981. Despite only 11 funds being launched during this period, the total units subscribed by the public swelled to an unprecedented level because of the overwhelming response to ASN.
The 1980s also witnessed the emergence of more unit trust management companies, which were subsidiaries of financial institutions. Their participation facilitated the marketing and distribution of unit trusts through bank's branch network which widened investor reach.

The Period from 1991 to 1999
This period witnessed the fastest growth of the unit trust industry in terms of the number of new management companies established, and funds under management. The centralisation of industry regulation, with the establishment of the Securities Commission on 1 March 1993, coupled with the implementation of the Securities Commission (Unit Trust Scheme) Regulations in 1996 and extensive marketing strategies adopted by the ASN and ASB (Amanah Saham Bumiputera), played key roles in making unit trusts household products in Malaysia. Consequently, the total asset value of funds under management grew more than threefold from RM15.72 billion at the end of 1992 to RM59.95 billion at the end of 1996. The period also saw greater product innovation and deregulation of the industry.
Although the pace of growth of local unit trust funds has moderated since the financial crisis of 1997-1998, it has nevertheless maintained its upward trend.

The Period from 2000 to current
In 2005 the unit trust industry experienced another year of strong growth which saw the net asset value of managed funds capitalising 14.2% of Bursa Malaysia¡¦s market at RM98.5 billion at the end of 2005. Further, the liberalisation of overseas investment rules (such as the increase in overseas investment limit from 10% to 30%) by Bank Negara Malaysia has seen unit trust management companies launching numerous offshore funds or realigning investment strategies of domestic funds to invest offshore up to the permitted limit which resulted in the launch of 10 offshore funds with an intended overseas investment exposure of more than 50%. As at the third quarter of 2006 the number of offshore funds with an intended overseas investment exposure of more than 50% is 38 which is clear evidence of the continued interest by the investing public for a better slice of the overseas market.

Achmade Zachary Ghazali,
http://dca2u.blogpsot.com