Extra income for investment.

Assalamualaikum my dear readers.  Macam mana puasa so far? Productive..no ? Yes?

I have been a Unit Trust Consultant for 7 years now. Through out these years, I have met many, many people. My investors kebanyakannya baik-baik belaka. Alhamdulilah for that. Memang selalu I doa dapat client yang best-best. :)

One of the highlights of my presentation to my clients is about the importance of regular invesments. Ramai yang buat regular savings/investments dalam asb  or tabung haji and also into mutual funds. I applaud them for taking this smart move especially for the youngsters.

Tetapi ramai juga yang tak mampu nak buat regular investment even as low as RM100, sebab their cashflow is very tight. I can understand their situation dengan kos sara hidup yang makin meningkat masa kini.

A lot of people have the idea that, bila cari side income, that extra money is to use for paying their expenses. Sometimes secara tak sedar, kita menambah unnecessary expenses sebab kita rasa kita ada side income to pay for that. Tak salah kalau itulah tujuannya seseorang cari pendapatan lebih. Bayar expenses or hutang.

Langkah yang paling bagus sebenarnya adalah menyimpan pendapatan sampingan kita. Lets say by becoming a Unit Trust Consultant, you earn RM 500 per month.  Well, u can use RM 200 to pay for your petrol, hutang etc but save the balance of RM 300 into a long term investment that gives about 10% return per annum. Apa lagi kalau bukan investment into mutual funds.

Lets say you are 27 years old this year, and you save RM 300 per month for the next 20 years. With the rate of 10% per annum, you can get RM 227,810 at the age of 47.  Best kan?

Start small, even as low as RM 100, you are making money in a long run. Daripada tak ada  savings lansung.   Check your cashflow now. A good financial planning must save at least 10% of your salary. Ada atau tidak?  Kalau tak, even 5% pun is a good start.

If dari gaji yang sedia ada tak dapat nak menyimpan untuk masa hadapan, then finding a side income for investment is an alternative.

Call me to find out more how becoming a Unit Trust Consultant can help you with your cashflow.  I am so looking forward to hearing from you.

No One Is Smart Enough To Predict The Future But Be Smart Enough To Prepare For It.

Masa Fleksibel dan Tambah Pendapatan.

Assalamualaikum my dear readers,

Hari ni dah masuk 4 Ramadan. Selamat menjalani ibadah di bulan mulia ni semoga mendapat segala keberkatan yang Allah nak beri pada hambaNya. Jangan tak kejar, rugi nanti.

Salah satu sebab kenapa saya sangat bersyukur menjadi seorang Unit Trust Consultant adalah kerana masa. As I have explained before, I enjoy the flexi time because I can spend time with my children. I boleh just cuti anytime I want, tak perlu nak tanya boss, apply leave dan sebagainya.

Apart from that, ada banyak perkara yang kita boleh buat sebab masa kerja yang fleksibel.

Ramai Unit Trust Consultant yang ada second business besides this career. Tak salah kalau dia orang ada kemahiran lain yang boleh dijadikan pendapatan sampingan. Nak-nak keadaan ekomomi yang tengah memyesakkan masa kini.

Khususnya dalam bulan Ramadan ni, ada banyak peluang bisnes lain yang kita orang boleh buat sebab Unit Trust Consultant ada masa yang fleksibel.  

Ada yang buat bisnes kek dan biskut raya, kerepek lah,  ada yang buat online jual baju dan tudung, buat gift dan hamper  untuk beri pada clients dan sebagainya.   They all sell these to their clients and other Unit Trust Consultant too. Having the flexible time , they can plan well to enjoy other opportunities to have a better income.  Yang penting disiplin and maintain focusing on which is their core business.

Selain dari itu, bulan Ramadan juga adalah bulan untuk menampah "income" untuk masa yang lagi jauh....our akhirat.

Ramai jugak kawan-kawan yang Noni kenal, yang dalam bulan Ramadan, they all use masa yang fleksibel untuk memperbanyakkan ibadah. Buat appointments in such way that they can have time to read the quran, banyak buat solat sunat, buat solat jemaah, dengar kuliah dhuha, ada masa unttuk masak for berbuka dan sahur. Yang kerja 9 to 5 pun ada yang buat all these. But I know how tiring it is. Dulu masa Noni kerja I have to buy lauk untuk berbuka sebab memang tak sempat balik nak masak. Dgn traffic  jam dan sebagainya.

It will be great kalau kita dapat buat ibadah dalam keadaan yang lebih selesa, tidak terlalu terkejar dgn masa.

So you see, becoming a Unit Trust Consultant is not a rigid career. There are other opportunities which we can use to our advantage like I mentioned above. Yang penting kita pandai mendisplinkan diri. Janganlah masa yang lebih tu kita tidur and tak buat apa-apa. Rugi besar tu.

As for me, I have other skills but not enough to pursue it deeply.  I focus on my business as a Unit Trust Consultant, making my clients happy with my services and good returns from their investments. I use this time to improve on  my ibadah too, insyaAllah.

My dear readers, if the story I told above is something that you want too, call me at 012-6923244 (noni). InsyaAllah, it will be a start to have a better ramadan in future.

Training Updates

Date: 10th June 2015
Topic :  Sharing by Nadirah Harith -  Top Performer.

Last week, we invited Nadirah Harith, a young successful unit trust consultant from another team. I first met  Nadirah on my trip to Budapest/Vienna, infact we were roomates. She is a very quiet, shy girl who hails from JB. She is only 27 years old started this business about 2 years ago, with zero knowledge and experience.  After graduating, she worked for a about 4 months in a company before she decided to quit because she said to me,.."tak tahan la kak Noni, nak kena kerja on weekends. Nad nak kerja where I can pakai cantik-cantik. Kerja kat situ tak boleh nak bergaya..".  This is what she shared with me when I asked her as to why she chose this career.

During the training, she has inspired other young consultants in our group to achieve higher income. Yes...she earns a 5 digit income and the age of 27. She bought a condo and on her way to buy herself her dream car.

I, myself are very amaze with this lady. She is very teachable and energetic. She is a shy girl but when comes to working she changes into someone else. When her leader throws any challenges to her, all she says is "yes I can do it:". No excuses. no buts. nothing and she will find  ways to meet the challenges.

My dear readers, if you have the desire to achieve your dreams, maybe this career can lead you the way. Nadirah has proven to me that being young and inexperience do not stop her for achieving great dreams.

Date : 17th June 2015

Topic : Power Calls by Mazlin Mohamad.

For this week training, we invited Mazlin from another team also, to share with us his experience with regards to making calls activity. Mazlin, is a senior unit trust consultant in this industry, a top performer, and he already has qualified  the company's challenge trip to New York.  I am very grateful for his sharing and can't wait to start cold callings aggressively.

Successful people have one trait. They don't keep their success stories to themselves. They are willing to share their experiences and tips so that other people can feel the glory of being at the top too.

Come and join me if you want to know more about this career. You will have all the support during training sessions. If others can do it..what is your excuse?

Find a date to see me, together we can map out your way to achieve your life goals.

Budapest-Bratislava-Vienna-Munich

Assalamualaikum my dear readers...

InsyaAllah seminggu lebih lagi kita akan menyambut bulan mulia, bulan Ramadan. Semoga kita dipanjangkan usia untuk mendapat keberkatannya dan manjadi hamba Allah yang makin baik selepas melalui madrasah Ramadan.

Nak cerita apa ye hari ni? Of course la my trip to Europe recently. Ya Allah...best sangat2, especially kat Vienna. Its a great city with lots of history, old buildings, and beautiful scenery. Not forgetting pada mereka-mereka yang kaki shopping. We stopped at Pandorf Outlet before Vienna. They all ni shopping gila-gila, dgn bag shopping kiri kanan. Sampai Vienna city shopping lagi for Swarovski crystal la, LV la etc etc. Well, these unit trust consultants have worked really hard and they reward themselves with all these.

As for me, I bukan kaki shopping. I sat at a coffee house, sip my coffee, eat my apple strudel while enjoying the view infront of me. I watched the people, the streets, the building, taking in the hustle and bustle of Vienna city.

We also went to Salzburg to visit the places where the movie "The Sounds Of Music" was filmed. Salzburg is a beautiful town. Rasa cam nak retire terus kat sana.

We went back to KL via Munich, German. Just a few hours there visiting BMW HQ/outlet. Untuk BMW enthusiast, they enjoyed it tapi I am an Audi fan, so......duduk saja le cuci mata.

My tour group masa kat sana memang best and sporting, even the tour leader pun kelakar gila.  We had a great time , singing, joking, playing games in the bus and taking photos together like there is no tomorrow. Bila berada among the cream of the industry ni, you are indeed very lucky. These successful people tidak kedekut ilmu. They share their tips, experiences, and they motivate you to become better. Alhamdulilah for a great friendship.

Enjoy!!!

Coffee time with friends

There are so much to tell about this trip.  Rasa cam nak kena bukak a travelling blog pulak sebab I memamg suka travel.

So my dear readers, kalau you pun suka travel and enjoy shopping, come and join me in this business. It's a rewarding career and it is fun too. :) Call me at 012-6923244 (nor bayani@ noni).