Dividend Magic

Saving and Investing towards Financial Independence in Malaysia

Doorgift / Goody Bag

Nestle Malaysia Berhad – Goody Bag (May 2016)

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Filed Under: Annual General Meetings (AGM), Doorgift / Goody Bag 0

Nestle Malaysia Goody Bag

It’s that time of the year again and I collected the ever popular Nestle Malaysia Goody Bag at Amcorp Mall today (2 May 2016). To all other Nestle shareholders out there, if you’ve yet to do so, you have until 5 May 2016 to collect it. They are there from 11 am – 9 pm.

I did not want to pay the parking fees for a brief 15 min collection so I had a friend drop me off at the entrance. On my way to the counter, I saw 2 aunties and an old uncle carrying the signature Nestle box except this time around, it was a greenish blue color. There was virtually no line at all at the counter, I handed over my IC, signed on the attendance sheet and collected my goody bag.

Nestle Malaysia Goody Bag
The box of goodies

This year I noticed on the attendance list a shareholder who was only 24 years old. I guess gone are the days where I was the only 20s person to collect the goody bag. If you’re reading this, please let me know!

Now, them pictures:

Nestle Malaysia Goodie Bag
Everything

This year, it seems there were more packets of Maggi, I gave most of mine away last year but I think I’m going to hang on to them this time. The Royale series looks good.

Nestle Malaysia Goody Bag
Stamps!

A surprise this year as Nestle celebrates their 100 year anniversary. I thought there’d be more fanfare than a couple of stamps. No idea what to do with these, do I collect them or use it?

Nestle Malaysia Goody Bag
Maggi

A closer look at the Maggi instant noodles they gave. May Malaysians continue to enjoy their favorite instant noodles for a long long time.

Nestle Malaysia Goody Bag
Breakfast

The healthier options from Nestle, this should cover my breakfast needs for a few days.

Nestle Malaysia Goody Bag
Nescafe

Conclusion

I’ve collected goodies from Nestle Malaysia for 3 years now and the company has been a strong performer throughout. You can find last year’s goody bag HERE and do your own comparison. My dividend yield from Nestle is reaching its 5% mark and the share is up by 12% since I purchased it back in 2014.

The goodies were the usual ones, may Maggi, Nescafe and Milo continue to provide for Nestle and all Malaysians alike! I didn’t get to meet up with any other shareholders this time around again, everyone seems to be shy. Hope to have a meet up with fellow readers in the near future.

Thanks for reading!

Fundsupermart and Unit Trusts in Malaysia

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Filed Under: Doorgift / Goody Bag, Investment, Portfolio - Freedom Fund 11

Fundsupermart

I received Fundsupermart‘s red packets in the mail (Ironman not included) today just in time for CNY this year.

Fundsupermart

Red Packets from Fundsupermart

As some of you may know, I’ve been consistently investing in Private Retirement Scheme (PRS) funds through Fundsupermart for 2 years now. The RM500 youth incentive from the government got me started and I’ve been investing RM3,000 annually since then. The tax breaks given by the government are treated as a sort of guaranteed return for my portfolio. One may argue though that the fact that we’re unable to withdraw the funds until after the age of retirement is a drawback. I, however, treat my annual RM3,000 deposits into PRS as my security fund, together with fixed deposits and my EPF.

Unit Trust

I used to invest in Unit Trusts (UT) a few years ago but have since switched over to shares. The UT industry in Malaysia is still in its prehistoric age with exorbitant fees and lousy returns. Some are even charging fees as high as 5% per annum, compound that and you will be paying more than half your wealth in fees. It is my wish and hope that in the future, companies like Vanguard will be able to set up shop in Malaysia. I’d then gladly throw half, if not all my wealth in a passively managed index fund.

As I plan to be transparent with all my investments, I present to you my UT and PRS holdings. I’ve kept some of my investments in bond funds as I have no other means other than UTs to diversify into fixed income investments.

FSM PRS UT Holding

As at 31 December 2015, 37% of my wealth lies in my secure bucket – ie. the bucket where the investments are considered safe. Funds in my savings & current accounts, fixed deposits, PRS funds, EPF and my bond funds make up my secure bucket. I intend to dip into my secure bucket and reduce it to around 30% if and when the opportunity arises.

Till then, happy investing.

End.

As many of you know, I’m not a big proponent of Unit Trusts and Mutual Funds here in Malaysia due to their excessive and ridiculous fees. However, if I were to recommend a platform for Malaysian investors to purchase their funds, it would be Fundsupermart. They offer the lowest fees currently. However, the fees charged by the funds themselves are another matter altogether.

So, if you’re interested in opening an account with Fundsupermart, you may do so hERE.

Nestle (M) Berhad Goody Bag – April 2015

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Filed Under: Annual General Meetings (AGM), Doorgift / Goody Bag, Investment, Portfolio - Freedom Fund 7

Went all the way to Amcorp Mall in Petaling Jaya to collect my Nestle Goody Bag today.

As I was a few days late, no one was in sight and I did not have to queue for the bag. However, during my conversation with the supervisor there, he mentioned that they had ran out of stock during last year’s goody bag give away and advised to not come at the last minute.

Below is the package, same as last year’s.

Nestle Malaysia Goodie Bag

Inside.

IMG_2008

IMG_2009

Standard Nestle stuff I guess. Nothing much to shout about but I’m thankful nonetheless.