Many employees, especially those that do not work in the government, semi governmental organisations and the banking sector, do not view the subject of pensions with the necessary gravity and in essence do not make any plans. It is common knowledge that the Social Insurance Fund itself with these new facts faces serious problems and it surely doesn’t provide pensions that will secure pensioners a decent retirement. As an alternative solution to the retirement funds offered by insurance companies, we propose investments in property, especially those that offer rental income that would supplement the social insurance pension payments. Every two years the rent increases by roughly 10% (recent regulation concerning rental properties has set a cap of 8% every two years whereas previously it was 14%). read more

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Mida chairman Tan Sri Sulaiman Mahbob giving a speech at the business seminar in Los Angeles on Dec 10. Arham, who completes a year at the New York office since his arrival at the start of 2009, said that although public investments in the United States had increased, the private sector was cautious with respect to investments. Arham, who was recently in California to assist in the visit of a Mida delegation from Malaysia, led by its chairman Tan Sri Dr Sulaiman Mahbob, was “impressed” by the “keen interest” shown by participants at two business seminars organised for the visiting delegation in Los Angeles and San Francisco. Arham said US corporations always preferred to use Malaysia as a base to maintain a strong presence between India and China, two exciting giant markets that US corporations want to tap for business. More News Business Headlines World markets mixed after Wall Street slips NY’s Tavern on the Green restaurant bites the dust Hugo Boss to close Cleveland plant FBM KLCI down 5 points at midday Nokia expands patent dispute beyond Apple iPhone String of investment bubbles marked 2000-09 Temasek spurns joint-bid invite US incident has little impact on Asian airlines DRB-HICOM and GM part ways after two years PM Securities fails to meet requirements CPO down on reports of lower exports SapuraCrest profit up 45% in Q3 Malaysia in recovery phase Ho Hup appoints valuer for sale of land parcels Briefly Has Primus made a wrong move on EON Cap? read more

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Then there are those who are really, really interested; the amateur experts who spend hours listening to financial news, reading the abundant financial literature available and seeking expert advice. They would not mind more of financial literacy and would be willing to practise basic financial discipline, provided it is conveniently available and simple. This is the easy way to spend the investor education fund and advertising money, create brand awareness, generate impressive statistics and create wealth for some of the stakeholders—all this while feeling very good about oneself. A financial planner/advisor conducts the workshop based on a pre-determined presentation to ensure quality control and product neutrality. The topic means different things to different people—to some, it means financial inclusion and reaching basic banking services to every Indian. read more

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An ETF is an investment vehicle which is constructed like a mutual fund but trades like an individual security on a stock exchange. The ETF units can be created or redeemed by authorised participants as required and as ETFs are listed on stock exchanges just like a share, they can be traded whenever the exchange is open,? iShares (part of BlackRock; formerly Barclays Global Investment), vice- president Robert Broadwell, said during an educational seminar held yesterday. Instead, the investor is given exposure to whichever companies make up the index that the ETF is tracking, Broadwell said. GCC-based investment professionals are using ETFs in multiple ways, despite a lack of regulatory framework or local bourses pushing for ETFs to be. The result is a blend of active and passive management that can be tailored to best fit an optimal asset allocation and a client?s risk profile. GCC based professional investors are also significant users of ETFs for tactical trading strategies, which typically include specific sector, single country or emerging market ETFs,? Broadwell said. read more

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Based on financial performance through November, management expects its competitive retail subsidiary, First Choice Power, to finish the year in the higher end of its EBITDA range of $55 million to $60 million, with the potential to exceed the range. Through its utility and energy subsidiaries, PNM Resources has more than 2,700 megawatts of generation resources and serves electricity to more than 884,000 homes and businesses in New Mexico and Texas. Statements made in this news release that relate to future events or PNM Resources’, PNM’s, or TNMP’s (collectively, the “Companies”) expectations, projections, estimates, intentions, goals, targets and strategies, are made pursuant to the Private Securities Litigation Reform Act of 1995. The Companies’ business, financial condition, cash flow and operating results are influenced by many factors, which are often beyond their control that can cause actual results to differ from those expressed or implied by the forward-looking statements. These factors include conditions affecting the Companies’ ability to access the financial markets or Optim Energy’s access to additional debt financing following the utilization of its existing credit facility, including actions by ratings agencies affecting the Companies’ credit ratings; the recession, its consequent extreme disruption in the credit markets, and its impacts on the electricity usage of the Companies’ customers; state and federal regulatory and legislative decisions and actions, including appeals of prior regulatory proceedings; the ability of PNM to meet the renewable energy requirements established by the New Mexico Public Regulation Commission, including the resource diversity requirement, within the specified cost parameters, and the Company’s ability to obtain federal and/or state funding and incentives for the development of alternative or renewable energy; the performance of generating units, including the Palo Verde Nuclear Generating Station, the San Juan Generating Station, the Four Corners Plant, and Optim Energy generating units, and transmission systems; the risk that Optim Energy desires to expand its generation capacity but is unable to identify and implement profitable acquisitions, or that PNM Resources and ECJV will not agree to make additional capital contributions to Optim Energy; the potential unavailability of cash from PNM Resources’ subsidiaries or Optim Energy due to regulatory, statutory or contractual restrictions; the impacts of the decline in the values of marketable equity securities on the trust funds maintained to provide nuclear decommissioning funding and pension and other postretirement benefits, including the levels of funding and expense; the ability of First Choice Power to attract and retain customers and collect amounts billed; changes in Electric Reliability Council of Texas protocols; changes in the cost of power acquired by First Choice Power; collections experience; insurance coverage available for claims made in litigation; fluctuations in interest rates; weather; water supply; changes in fuel costs; availability of fuel supplies; uncertainty regarding the requirements and related costs of decommissioning power plants owned or partially owned by PNM and Optim Energy and coal mines supplying certain PNM power plants as well as the ability to recover decommissioning costs through charges to customers; the risk that replacement power costs incurred by PNM related to not meeting the specified capacity factor for its generating units under its Emergency Fuel and Purchase Power Cost Adjustment Clause will not be approved by the New Mexico Public Regulation Commission; the risk that PNM may not be able to renew rights-of-way on Native American lands or that the costs of rights-of-way are not allowed to be recovered through rates charged to customers; the effectiveness of risk management and commodity risk transactions; seasonality and other changes in supply and demand in the market for electric power; variability of wholesale power prices and natural gas prices; volatility and liquidity in the wholesale power markets and the natural gas markets; uncertainty regarding the ongoing validity of government programs for emission allowances; the risk that the resolution of the bankruptcy of the Lyondell Chemical Company results in significant adverse impacts on the operations of the Altura Cogen facility and Optim Energy; changes in the competitive environment in the electric industry; the risk that the Companies and Optim Energy may have to commit to substantial capital investments and additional operating costs to comply with new environmental control requirements, including possible future requirements to address concerns about global climate change; the risks associated with completion of generation, transmission, distribution, and other projects, including construction delays and unanticipated cost overruns; the outcome of legal proceedings; changes in applicable accounting principles; and the performance of state, regional, and national economies. 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KUALA LUMPUR, Dec 17 (Bernama) — Vietnam is inviting private investors in Malaysia to actively participate in its infrastructure projects, as it plans to implement the Public-Private Partnership (PPP) model for its infrastructures in the first quarter of next year. We plan to build more highways, airports, seaports and depots to serve the development of the country,” he said following a seminar on “Trade and Investment Opportunities in Vietnam” held here. Phuong said Malaysia and Vietnam have continued to expand their relations over the years in various areas such as trade, the promotion and protection of investments and the exploration and exploitation of petroleum. Up to November this year, Malaysian companies had invested in 342 projects worth about US$18 billion in the country, making it the biggest investor among Asean countries in Vietnam. read more

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