Berhati-hati membuat Pelaburan !

Salam hormat kepada pembaca mjamilali.com,

Dalam kesibukan tugas, hari ni saya terpanggil untuk memberikan sedikit pandangan ringkas berhubung perkara di atas.

Di sebalik keghairahan orang ramai terhadap pembelian emas dan hartanah ketika ini saya membuat beberapa analisa dan perkiraan terhadap sebarang kemungkinan yang mungkin berlaku.

Emas -
Anda harus berhati-hati apabila melihat peningkatan sesuatu produk yang begitu mendadak dan tinggi. Terutamanya harga emas yang sangat melambung tinggi ketika ini sehingga ramai yang tidak pernah berniaga dan faham berkaitan emas pun menjadi peniaga emas. Bila berlaku keadaan dimana terlalu ramai peniaga disebabkan tawaran yang berlebihan, sudah tentulah akan menyebabkan berlaku perang harga. Ini mungkin akan menyebabkan kejatuhan mendadak harga komoditi ini sebagaimana pernah berlaku diawal tahun 80 an dahulu.

Pelabur bijak akan membeli dengan banyak sewaktu harga komoditi itu rendah dan akan menjualnya ketika harganya melambung tinggi seperti sekarang. Sebagaimana pergerakan semua barangan komoditi lain, harga akan sentiasa turun dan naik bergantung kepada keadaan semasa disebalik penawaran dan permintaan. Negara seperti India dan China adalah pengguna emas paling besar di dunia. Bagaimanapun, analisa standard Chartered menjangkakan harga emas akan melonjak sehingga ke paras $2000/oz pada 2014 dan $2500/oz pada 2020. Ketika ini harga emas adalah sekitar $1600/oz. Buatlah keputusan bijak dengan mempelbagaikan pelaburan anda. Fahami risiko setiap pelaburan sesuai dengan profil risiko anda.

Hartanah-
Harga hartanah pada hari ini memang tinggi berbanding tahun 90an, bagaimanapun resmi hartanah agak berbeza berbanding dengan pelaburan lain seperti emas dan saham.

Terdapat pelbagai faktor yang menentukan harga sesuatu hartanah. Antara faktor tersebut :-

1- Lokasi
2- Jenis bertanah atau strata
3- Keluasan
4- Pemaju
5- Kemudahan infrastruktur dan pengangkutan awam.
6- Pemandangan
7- Pegangan bebas atau terhad
8- Kemudahan asas sekitar hartanah seperti sekolah , bank, kawasan perniagaan, pasaraya besar, dll.
9- Kadar sewaan hartanah
10- Masa

Lokasi - Faktor paling utama yang harus diambil kira jika anda ingin membuat pelaburan hartanah ialah faktor lokasi. Semakin hampir ia kepada kawasan pembangunan utama, semakin tinggi nilai hartanah tersebut dan semakin mudah untuk anda mendapat pembeli pada harga yang anda mahu dikemudian hari nanti. Kadar sewaan juga pastinya boleh menampung bayaran bank anda jika anda berhasrat menyimpan hartanah tersebut.

sampai di sini sahaja dahulu..

FBM KLCI likely to hit 1,900 points by Mid-2012

KUALA LUMPUR, July 6 (Bernama) -- Bursa Malaysia's FBM KLCI is likely to prove defensive in the face of rising external risks and reach 1,900 points by middle of next year, UBS Investment Research says.

FULL STORY

Chart ini memberitahu saya sesuatu!! Fact base investment decision..!

Buffett says Japan quake presents buying opportunity

DAEGU: Billionaire investor Warren Buffett said on Monday that Japanese stocks were good investments after the deadly earthquake that hit the world's third-biggest economy last week.

Buffett said the quake was an "enormous blow," but should not prompt selling of Japanese stocks as it presented a "buying opportunity."

He was speaking to reporters during his second visit to South Korea to attend a ground-breaking ceremony for a factory run by a unit of an Israeli firm owned by his Berkshire hathaway Inc.

Japan's Nikkei share average plunged the past week, hit by the country's worst earthquake on record, followed by a tsunami and nuclear crisis. - Reuters

Warren Buffett's Dividend Investment Strategy

March 1st, 2011

Here is something that you may not realize about Warren Buffett: counting just his take-home pay, the Oracle of Omaha has to get by on only $1.923.08 a week.

But as we all know, there is quite a bit more to this story than meets the eye. After all, Warren is not exactly wondering where his next meal is coming from...

The difference, in this case, is in the dividends.

You see, aside from the paycheck he received from his "day job," Warren earned an estimated $42,583,971 in income last year from the dividends spun off from his own personal holdings.
Wealth Wire Editor Brian Hicks, featured guest on Your World With Neil Cavuto

Those dividends are what accounted for 99.76% of his estimated 2009 income, keeping him flush with cheeseburgers and business jets.

And with the yields on the benchmark 10-year Treasury note hovering in the 3.8% range and the market struggling to rebound, Buffett's dividend investment strategy will likely beat the market yet again in 2010, adding to his already massive fortune.

True to form, he buys them, holds them, and watches them grow. Simple - but effective.

So if you are ready to take the reins of your own retirement and learn how the other half lives, Wealth Wire has just the plan for you.

In it, you'll learn exactly how Warren lives like a king on just $100,000 a year.

- Wealth Wire