Selamat Hari Raya Aidilfitri

Sempena Hari Raya ini saya ingin mengucapkan Selamat Hari Raya Aidilfitri, maaf zahir dan batin kepada para pembaca dan juga kepada klien2 saya dari Unit Trust dan juga Takaful. Kalau balik kampung tu pastikan anda memandu berhati-hati, patuhi undang-undang jalan raya dan elakkan dari memberi duit saman raya .

Selamat Hari Raya Aidilfitri. Maaf Zahir dan Batin.


P/S: bagi yang berminat untuk mendapatkan polisi takaful dan melabur dalam unit trust boleh hubungi saya untuk maklumat lanjut. walaupun raya, servis adalah seperti biasa.

The Best Medical Card : Takaful A-Medik Unlimited Medical Card

Instead of asking "Why were we born?", "What were we born for" maybe we should just keep in mind "for whom do we live"...
 

Takaful A-Medik Medical Card.

Perbelanjaan perubatan yang kian meningkat akan menjejaskan simpanan anda jika berlakunya  penghospitalan atau pembedahan. Dengan A-Medik, kami boleh membantu anda untuk mencegah kemerosotan kewangan kerana pelan ini menawarkan perlindungan perubatan yang komprehensif  sehingga umur 99 tahun. Selain itu, pelan ini juga menawarkan had jumlah keseluruhan seumur  hidup  yang tidak terbatas bagi setiap orang dilindungi di mana anda tidak perlu bimbang akan kekurangan pembayaran balik perubatan dalam jangka masa yang panjang.

 Oleh itu, anda dapat menumpukan perhatian untuk meningkatkan simpanan anda tanpa perlu bimbang akan penyusutan simpanan disebabkan kejadian yang tidak diduga.

Apakah itu A-Medik?

 A-Medik adalah pelan perubatan caruman tetap yang meliputi kos penghospitalan dan

pembedahan dalam keadaan penghospitalan kerana sakit atau punca kemalangan. Pelan ini menyediakan faedah tambahan yang boleh dilampirkan bersama pelan-pelan takaful keluarga dan takaful berkaitan-pelaburan.

AMAUN PERLINDUNGAN

Bolehkah saya memperluaskan amaun perlindungan kepada ahli keluarga saya di dalam pelan ini?

Anda mempunyai pilihan untuk memperluaskan perlindungan ini kepada ahli keluarga anda. Tiga (3) pelan keluarga yang disediakan adalah:

  (i)   Orang Dilindungi + Pasangan

  (ii)  Orang Dilindungi + Keluarga

  (iii)  Orang Dilindungi + Anak

Dalam pelan keluarga, semua ahli keluarga yang dilindungi dalam satu sijil akan dilindungi dengan amaun yang sama.

Adakah saya perlu menanggung sebarang perbelanjaan untuk penghospitalan?

A-Medik mempunyai Amaun Bebas Ko-Takaful. Anda mungkin perlu membayar sebahagian yang tertentu untuk perbelanjaan penghospitalan jika kos ini melebihi Amaun Bebas Ko-Takaful.  (Sila rujuk jadual di bahagian Amaun Bebas Ko-Takaful setiap tahun sijil)

Perbelanjaan layak yang melebihi Amaun Bebas Ko-Takaful adalah tertakluk kepada Amaun Ko-Takaful sebanyak RM3,000 atau 10% daripada baki yang melebihi Amaun Bebas Ko-Takaful, mana-mana yang lebih rendah.

Bagaimana Takaful A-Medik Membantu Pelan Perancangan Kewangan Anda?

Bagi yang masih bujang, sekarang adalah masa yang sesuai untuk membuat perancangan jangka panjang. Di Takaful, perancangan Medical Card boleh dibuat ketika anda masih bujang hingga anda mempunyai ramai anak.

Ketika Bujang       : Medical Card Individu

Ketika Baru Berkahwin(tiada anak) :Upgrade ke Medical Card Anda + Pasangan

Ketika Sudah ada anak:Upgrade ke Medical Card Keluarga atau Anda + Anak2.

Dengan Takaful, perancangan perbelanjaan perubatan boleh dilakukan dengan lebih cekap. Kalau ada 6 orang anak, anda tak perlu belikan 6 polisi untuk anak2 anda. Tapi 1 POLISI UNTUK SELURUH KELUARGA ANDA. JIMAT, KAN?

Jadi, perancangan perbelanjaan perubatan anda dan keluarga anda pada masa akan datang, bermula pada hari ini. Dan mulakan dengan Takaful untuk perancangan penjimatan jangka panjang (Bukan pada hari ini sahaja) Bermula dengan  Takaful Medical Card pada hari ini, memudahkan anda untuk mengubah polisi pada masa depan ketika sudah berkahwin atau mempunyai anak2.

FAEDAH

Apakah perlindungan/faedah yang disediakan? 

Jadual faedah A-Medik

DOWNLOAD BROCHURE AMEDIK DI SINI

KLIK SINI UNTUK DAPATKAN PROPOSAL PERCUMA

Jadual Berbuka Puasa

A)Lembah Klang

1) Gombak, Petaling, Shah Alam, Hulu Langat Dan Sepang

2) Kuala Lumpur Dan Putrajaya

3) Daerah Klang, Kuala Langat, Kuala Selangor dan Sabak Bernam

B)Melaka

C)Negeri Sembilan

1) Zon 1 : Tampin dan Jempol

2) Zon 2: Seremban, Port Dickson, Kuala Pilah Rembau dan Jelebu

D)Johor

1)Zon 1  : Pulau Aur, Pulau Pemanggil

2)Zon 2  : JB, Kulai Jaya, Kota Tinggi, Mersing

3)Zon 3  : Pontian, Kluang

4)Zon 4  : Batu Pahat, Muar, Ledang, Segamat, Gemas

E)Kedah

1)Zon 1 : Kota Setar, Kubang Pasu, Pokok Sena

2)Zon 2 : Pendang, Kuala Muda, Yan

3)Zon 3 : Padang Terap, Sik, Baling

4)Zon 4 : Kulim, Bandar Baharu

5)Zon 5 : Langkawi

6)Zon 6 : Puncak Gunung Jerai

F)Perak

1)Zon 1 : Tapah, Slim River, Tanjung Malim

2)Zon 2 : Ipoh, Batu Gajah, Kampar, Sg. Siput, Kuala Kangsar

3)Zon 3 : Pengkalan Hulu, Grik, Lenggong

4)Zon 4 : Temenggor, Belum

5)Zon 5 : Telok Intan, Bagan Datoh, Kg Gajah, Sri Iskandar, Beruas, Parit, Lumut, Setiawan,   Pangkor

6)Zon 6 : Selama, Taiping, Bagan Serai, Parit Buntar

7)Zon 7 : Bukit Larut

G)Pahang

1)Zon 1 : Tioman

2)Zon 2 : Rompin, Pekan, Muadzam Shah, Kuantan

3)Zon 3 : Maran, Jengka, Chenor, Temerloh, Bera, Jerantut

4)Zon 4 : Bentong, Raub, Lipis

5)Zon 5 : Genting Sempah, Bukit Tinggi, Janda Baik

6)Zon 6 : Cameron Highland, Bukit Fraser, Genting Highland

H)Perlis

I)Terengganu
1)Zon 1 : Kuala Terengganu, Marang
2)Zon 2 : Besut, Setiu
3)Zon 3 : Hulu Terengganu

J)Kelantan
1)Zon 1 : Kota Bharu, Paser Putih, Bachok, Tumpat,Pasir Mas, Tanah Merah, Machang, Kuala Krai, Gua Musang.
2)Zon 2 : Jeli, Gua Musang (Galas&Bertam), Lojing

FBM KLCI may test 1,600 barrier

KUALA LUMPUR: Bursa Malaysia might test the psychological important 1,600-point level for the first time in its history this week.

Late fund buying on selected stocks pushed the index to a fresh historic close of 1,594.74-points.

The FBM KLCI continued to scale new highs on sporadic bargain hunting activity, undergoing a healthy correction in the past week.

Bursa Malaysia was firmly positive since the bulls made it to the uncharted territory, riding on the strength of overseas equities, especially Wall Street, optimism of global economy and improvement in the eurozone debt crisis.

Last Friday, the FBM KLCI closed 4.5 points higher as a result of the government's Economic Transformation Programme (ETP) and plans to loosen its shareholding in government-linked companies.

"At current levels, the market certainly needs more good news to sustain the rise," said an analyst. 

Technically, the local market continues to paint a bullish landscape, with the key index turning sideways this week, pending a clearer picture to emerge.

To the upside, stiff resistance is maintained at the 1,585-1,600 points band. Thereafter, Bursa Malaysia is expected to encounter significant challenges at every 20 or 30 points interval.

Near-term sentiment will hinge on the soon-to-be-released financial sector master plan, results of the Economic Transformation Programme tender outs and banking mergers.

Elsewhere, Portugal's sovereign debt, the US debt ceiling, Thailand's new regime's policies and China's interest rate cycle will also be on the investor radar.

Last week, Bank Negara Malaysia decided to keep the Overnight Policy Rate at 3 per cent but raised the statutory reserve requirement from 3 per cent to 4 per cent as a measure to manage the significant build-up in liquidity.

The biggest near-term driver for local sectors would come from Japan which is recovering from the March quake faster than most economists expected.

Stocks in the limelight include banking and oil and gas such as BIMB, AFG, Petronas Dagangan and Sapura Crest due to short term holding strategies.

On a Friday-to-Friday basis, the FBM KLCI rose to 1,594.74 from 1,582.94 and the Finance Index rose 11.22 points to 15,038.74. 

Weekly volume rose to 4.66 billion shares valued at RM8.63 billion from the 4.52 billion shares valued at RM8.27 billion previously.

Read more: FBM KLCI may test 1,600 barrier http://www.btimes.com.my/Current_News/BTIMES/articles/rupind/Article/#ixzz1Rmmd2UZK

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Takaful Product Line Up-Why We Need Protection?

WHY WE NEED INSURANCE PROTECTION?


Instead of asking "Why were we born?", "What were we born for" maybe we should just keep in mind "for whom do we live"...

1. Medical expenses is No 1 factor for personal financial management failure in Malaysia.
2. Medical cost increment is 15% every year.
3. Secure your family's continuity of lifestyle through income replacement solution for your family.
4. In case of disablement due to accident e.g. unable to work, your love ones can take care of you  without worrying about additional expenses incurred.
5. No need to pay huge medical cost and bills.
6. Access to quality health facilities/treatment.

BUT I STILL YOUNG, WHY SHOULD I NEED INSURANCE 

PROTECTION?

1. The best time to buy takaful/insurance is when you are still young and healthy. Most insurance companies will not cover you if you already have any illness.
2. Serious illness or accident can strike anyone any age and at any time. When it does, you would want to be able to afford the best medical care you can get.
3. Takaful/insurance can help you pay for hospital room and board, doctor's fee, surgical fee, medical supplies etc. Most insurance companies offer an Assist Card facility for easy admissions to any approved panel hospitals.
4. When it comes to insurance/takaful, it's always "The Sooner the Better".

WHY TAKAFUL?

1. Monthly low contribution from RM100
2. Medical Card yearly limits starting from RM90000. UNLIMITED FOR LIFETIME!
3. Family Medical Card covers unlimited family members.
4. Contribution amount is based on your last birthday not on your next birthday.That's mean cheaper.
5. Additional Riders :

·                     Waiver of Contribution

·                     Critical Illness.

·                     Personal Accident

·                     Hospitalization and Surgical

AVAILABLE TAKAFUL PLAN 

Protection & Investment

A-Mas

Your protection and financial needs change over time as you move towards different life stages. Introducing A-Mas, a regular contribution investment-linked takaful (ILT) protection plan that provides a comprehensive takaful coverage through a range of optional benefits. It helps you manage the changes and uncertainty in every stage of your life. This plan will also assist you to accumulate your wealth effortlessly over a long-term period. In addition, it offers you the investment flexibility where you are allowed to choose the Shariah-compliant investment funds according to your own risk appetite.

Download A-Mas product brochure (pdf)

You have an option to further enhance your takaful protection by adding extra coverage from our range of optional benefits below:

• Waiver of Contribution
  Waive and pay the contributions of the certificate on behalf of participant in the event the person covered is diagnosed to be suffering from a specified critical illness or total permanent disability prior to age 60.
• Critical Illness
  The sum covered of the critical illness benefit is payable in one lump sum upon diagnosis of a critical illness to help you coping with the extra medical cost.
• Personal Accident
  Coverage is provided for death or injuries resulting from an accident.
• Hospitalization and Surgical
  Coverage is provided by assisting you in coping with the medical expenses incurred in times of hospitalization.

Protection

A-Prima

Life is full of unexpected events and these events may be the impediments that prevent you from moving on and achieving your goals. Introducing A-Prima, a regular contribution family takaful plan that helps you manages the uncertainty and minimizes the financial ramification as a result of these unfortunate events. Hence, you can continue to pursue your dreams to achieve a better life.

Download A-Prima product brochure (pdf)

You have an option to further enhance your takaful protection by adding extra coverage from our range of optional benefits below:

• Critical Illness
  The sum covered of the critical illness benefit is payable in one lump sum upon diagnosis of a critical illness to help you coping with the extra medical cost.
• Critical Illness Waiver of Contribution
  Waive and pay the regular contribution for the basic certificate on behalf of participant in the event the person covered is diagnosed to be suffering from any one of the specified critical illness or undergoes a covered surgery.
• Personal Accident
  Coverage is provided for death or injuries resulting from an accident.
• Hospitalization and Surgical
  Coverage is provided by assisting you in coping with the medical expenses incurred in times of hospitalization.

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Unit Trust. What is the best way to optimize profit when investing in Unit Trusts?

What is the best way to optimize profit when investing in Unit Trusts?

Investors who do not wish to be stressed by market volatility adopt dollar cost averaging method for improving long-term investment planning. Instead of investing all your money in one go, you invest a set amount of money at regular intervals quarterly or monthly for example regardless of market swings.

By adopting dollar cost averaging, you will be less tempted to make decisions based on short-term phenomena. You benefit from market swings in both ways. This approach is best viewed as a method to separate emotions from the investment processes. Instead of trying to time the market in response to greed or fear, you invest on an installment plan with the view that your money will grow over the long-term.

Consider the following hypothetical example Mr. X adopts dollar-cost averaging and has been buying unit trust A regularly at a constant amount of RM2,000 per month over the entire period. Mr. Y invests at one time all his money in unit trust A. Refer to Table 1 for details.

Mr. X enjoys a 5% profit from his investment while Mr. Y made a lost of 6% when both redeem their investment at RM0.85. From the above example, the rationale is - steady investments let you purchase more units when the prices are low and less when the prices are high. In other words, you even out the risk of buying at the peaks and selling at the bottoms. The technique does not automatically guarantee a profit or protect against a loss, but it usually results in a lower average cost per unit over time, and as an investor, you may redeem once your investment generate the target profit set by you. 

Info from : http://www.affinfund.com.my/faq2.htm#q11

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Rhb Asset Management. FBM KLCI stages mild follow-through rebound

From : http://www.btimes.com.my/Current_News/BTIMES/articles/Technically205/Article/

THE FTSE Bursa Malaysia Kuala Lumpur Composite Index (FBM KLCI) staged a very mild follow-through rebound for the week ended yesterday.

It stayed above its major psychological support of 1,500 points when it closed at 1,541.03 yesterday.

Share prices on Bursa Malaysia consolidated last week's gains, in tandem with the technical pullbacks on the New York and regional stock markets on Monday. The FBM KLCI trended between an intra-day low of 1,536.27 and an intra-day high of 1,545.34. It closed at 1,536.27, giving a day-on-day loss of 4.47 points, or 0.29 per cent.

The FBM KLCI staged a technical rebound on Wednesday. It trended from its intra-day low of 1,537.33 to its intra-day high of 1,543.35. It closed at 1,541.27, giving a day-on-day gain of 5 points.

Trading remained sideways when the FBM KLCI edged marginally higher on Thursday. It trended from its intra-day low of 1,541.97 to its intra-day high of 1,550.62. It ended the day at 1,544.02, giving a day-on-day gain of 2.75 points.

The benchmark index resumed its consolidation yesterday when the it consolidated in tandem with the regional stock markets. The FBM KLCI trended between a day low of 1,541.03 and a day high of 1,547.94 before closing at 1,541.03, giving a day-on-day loss of 2.99 points, or 0.19 per cent.

On the overseas markets, the Dow Jones Industrial Average consolidated Within tight trading ranges over the last four trading days. The Dow closed at 12,605.32 points on Thursday, giving a four-day gain of 9.57 points.

The Tokyo stock market staged a follow-through technical pullback during the week. The Nikkei 225 Index closed at 9,607.08 points yesterday, giving a week-on-week loss of 41.69 points.

Hong Kong stocks staged a technical pullback over the last four trading days. The Hang Seng Index closed at 23,199.39 points, giving a week-on-week loss of 76.88 points, or 0.33 per cent.

On the home front, the FBM KLCI eked out a week-on-week gain of 0.29 point, or 0.02 per cent.

The following are the readings of some of its technical indicators:

Moving Averages: The FBM KLCI continued to stay above its 10-, 20-, 30-, 50-, 100- and 200-day moving averages.

Momentum Index: Its short-term momentum index stayed above its neutral reference line at the market close yesterday.

On Balance Volume: Its short-term OBV trend stayed above the support of its 10-day exponential moving averages.

Relative Strength Index: Its 14-day RSI stood at the 56.69 per cent level yesterday. 

Outlook

The FBM KLCI hit its intra-week low of 1,536.27 on Thursday, staging a successful re-test of this column's envisaged support zone (1,502 to 1,536 levels).

Subsequent mild technical rebounds hit its intra-week high of 1,550.62 on Thursday, moving into the confines of this column's envisaged resistance zone (1,544 to 1,578 levels). 

A quick review of the performances of the FBM KLCI's 30 components shows losers beating gainers by 18 to 12. 

The benchmark index's weekly charts continued to stay below the support of its intermediate-term uptrend (see FBM KLCI's weekly chart A5:A6) during the week. 

Chartwise, the FBM KLCI's had since stay above its immediate downside support (see FBM KLCI's daily chart B3:B4) over the week. 

The FBM KLCI's daily and monthly fast MACDs (moving average convergence divergence indicators) continued to stay above their respective slow MACDs yesterday. Its weekly fast MACDs continued to stay below its weekly slow MACDs. 

The FBM KLCI's 14-day RSI stayed at 56.69 per cent level on Friday. Its 14-week and 14-month RSI stayed at 56.81 and 71.07 levels respectively. Last week, this column commented that the FBM KLCI might stage a re-challenge of its immediate overhead resistance at 1,550. It did. The benchmark index hit its intra-week high of 1,550.62 on Thursday.

Judging from its behaviour over the last five trading days, the FBM KLCI is likely to consolidate between 1,530 and 1,540 before resuming its technical rebounds. 

Next week, the FBM KLCI's envisaged resistance zone is at the 1,545 to 1,579 levels while its immediate downside support is at the 1,503 to 1,537 levels.

The subject expressed above is based on technical analysis and opinions of the writer. It is not a solicitation to buy or sell.

Read more: FBM KLCI stages mild follow-through rebound http://www.btimes.com.my/Current_News/BTIMES/articles/Technically205/Article/#ixzz1Mzbp5joV


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Unit Trust. Why it doesn't make sense to time the Markets?

By Datuk Noripah Kamso 
Published: 2008/10/17


NEWS on rising oil prices, rising cost of living, subprime lending, a weaker US dollar and even the local political scene is understandably making many investors anxious. In these situations, investors often succumb to their fears, disrupt their portfolios, and question their long-term financial plans. These trying times, however, can mould investors to become better informed and more disciplined. 

Volatility, or wide, rapid swings in equity prices, is an inherent part of investing. It takes courage, discipline and foresight to remain invested in the market, especially when the urge to avoid financial pain is strong. Investors may be prone to sell in a volatile market because they think they can wait until the market settles lower and go back in when the market starts to recover. This strategy seems to make common sense.

The problem is when investors sell, they can increase their chances of missing the major market movements that signal the start of a longer recovery. Many of these major upside moves can happen quickly, often in just a few days. To avoid missing these key days, investors should consider staying invested and not panic-sell.

Let's look at our analysis of what would happen if an investor missed out on 50 of the best trading days on Bursa Malaysia, as measured by the Kuala Lumpur Composite Index (KLCI). How would that have affected his or her gains over the last 15 years?

The results are enlightening: 
* Missing even five of the best trading days results in negative returns of 17.39 per cent.
* Miss the 10 best trading days and the loss almost triples to 49.13 per cent.
* Miss the 30 best trading days and the loss soars to 83.07 per cent. This represents just 30 days out of approximately 3807 trading days in total, or merely 0.79 per cent of the total trading days 
* However, an investor who remained invested throughout the last 15 years enjoyed returns of 82.25 per cent.

An investor might then wonder: "But what if I'm able to avoid the worst days? That would surely help me get potentially better returns."

So now, our analysis turns to what would happen if an investor managed to avoid the worst trading days of the KLCI. How would that have affected the potential returns over the last 15 years?

The results are equally fascinating: 
* Remaining invested through- out the last 15 years gives returns of 82.25 per cent.
* Avoiding just the five worst trading days results in positive returns of 260.15 per cent.
* Avoid the 10 worst trading days and the gain jumps to 413.62 per cent.
* Avoid the 50 worst trading days and the returns are a phenomenal 3266.59 per cent.

However, it is important to note that 50 out of about 3,807 trading days represent only 1.3 per cent. Would an investor have the foresight, expertise and skill to identify the 50 worst performing days over the last 15 years, ahead of time?

Let's recap the lessons from these scenarios and results: 

Missing the Best Trading Days
* Missing just the five best trading days over the last 15 years results in a cumulative negative return of 17.39 per cent.
* Missing the 50 best trading days over the last 15 years results in a cumulative negative return of 92.50 per cent.
Avoiding the Worst Trading Days
* Avoiding the 50 worst trading days over the last 15 years results in cumulative returns of 3266.59 per cent. The probability of this happening is one out of 10179, an unimaginable number.
* Not avoiding the worst trading days in the last 15 years will still yield cumulative returns of 82.25 per cent.

Historical results have shown that timing the market, in the hopes of avoiding negative returns over the long-term, doesn't make much sense for the average investor. The downside in not remaining invested over the last 15 years - even for only the best five days - is a lot higher (-17.39 per cent) than staying invested through all the worst trading days over the last 15 years (82.25 per cent).

This illustrates why it is vital for investors to remain invested in equity funds as part of their long-term portfolio asset allocation and why they should not try to time the market.

Staying invested during difficult times, however, requires investors to confront their emotions during volatile periods and control the urge to sell or reduce their equity holdings.


Datuk Noripah Kamso is the chief executive of CIMB-Principal Asset Management Bhd. 

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Unit Amanah. Apa Itu Compound Interest?

Sedikit maklumat berkenaan compounding di dalam pelaburan ataupun simpanan.
Secara ringkas compound interest adalah interest yang dikenakan ke atas simpanan+interest.
lagi banyak dan lagi lama anda menyimpan, kadar peningkatan keuntungan akan lebih banyak dan lebih cepat. kadar pergerakan keuntungan adalah seperti di graf di bawah. Tahun 1-5, peningkatan graf agak mendatar. Tetapi dari tahun ke 6 peningkatan graf adalah lebih cepat. Lebih info, boleh baca dengan lebih lanjut dari penerangan di bawah.

Dari http://www.wisegeek.com/what-is-compound-interest.htm

Compound interest is interest calculated on the principal amount invested, which is then added to the principal amount, and compounded again. Compound interest can be earned daily, weekly, monthly or yearly. Generally the more times an amount is compounded, the more money you can make.

As long as you leave an interest earning account alone, by not removing money from it, you begin making more money on your investment (given a stable interest rate) because the money you earn is added back to the principle amount. It’s a simple fact that more money earninginterest makes you more money. Each time interest is compounded, the money earned gets added to the total.

If you were raising two rabbits, you might view a similar thing. If the bunnies produced a litter, and you kept all those bunnies, then you might have possibly eight rabbits. The original bunnies would keep on breeding, as would the new litter, and you’d end up with more rabbits then you knew what to do with. Compound interest won’t be quite that dramatic, unless you’re investing huge sums of money. The important parallel is that the first pair of bunnies (your original investment) and their offspring (interest) now combine together to produce yet more bunnies, and as combined, they will produce a great deal more than if they were sold off and separated.

Dari http://www.investopedia.com/terms/c/compoundinterest.asp

What Does Compound Interest Mean?
Interest that accrues on the initial principal and the accumulated interest of a principal deposit, loan or debt. Compounding of interest allows a principal amount to grow at a faster rate than simple interest, which is calculated as a percentage of only the principal amount. 

Investopedia explains Compound Interest
The more frequently interest is added to the principal, the faster the principal grows and the higher the compound interest will be. The frequency at which the interest is compounded is established at the initial stages of securing the loan. Generally, interest tends to be calculated on an annual basis, although other terms may be established at the time of the loan.


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