Golden Palm to raise RM137mil from scheme

http://www.facebook.com/pages/Grow-Money-Community/139336122774604

Public Mutual emerges as the Biggest Winner for 7th consecutive year

Public Bank’s wholly-owned subsidiary, Public Mutual swept 10 out of the 29 awards, including the most prestigious “Best Overall Fund Group” award, at The Edge-Lipper Malaysia Fund Awards 2010 held at the Kuala Lumpur Convention Centre on 23 February 2010. This is the 7th consecutive year Public Mutual has emerged as the biggest winner at the annual awards event.

Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow expressed pride at the outstanding achievement despite a challenging year in 2009. “These awards demonstrate Public Mutual's commitment in continuously delivering top value as well as meeting the diverse needs of our unitholders,” he said.

By winning these awards, Public Mutual has to date received a total of 148 industry awards. Tan Sri Teh dedicated these awards to Public Mutual’s board of directors, management, staff, unit trust consultants and investors for their unwavering support and confidence over the years.

The 10 awards won by Public Mutual are:

No	Fund / Company	Category
1	Public Mutual Berhad	Best Overall Fund Group Award
2	Public Regional Sector Fund	Equity Asia Pacific	3 years
3	Public Far-East Dividend Fund	Equity Asia Pacific Ex Japan	3 years
4	Public SmallCap Fund	Equity Malaysia Small and Mid Caps	3 years
5	Public SmallCap Fund	Equity Malaysia Small and Mid Caps	5 years
6	Public Bond Fund	Bond Malaysian Ringgit	10 years
7	PB Balanced Fund	Mixed Asset MYR Balanced	10 years
8	Public Islamic Bond Fund	Bond Malaysian Ringgit - Islamic	3 years
9	Public Islamic Bond Fund	Bond Malaysian Ringgit - Islamic	5 years
10	Public Ittikal Fund	Equity Malaysia - Islamic	10 years

Public Mutual is Malaysia’s largest private unit trust company with 73 funds under management. It has over 2,000,000 accountholders and as at 31 December 2009, the total net asset value of the funds managed by the company was RM35.6 billion.

You are advised to read and understand the contents of the Master Prospectus of Public Series of Funds, Master Prospectus of Public Series of Shariah-Based Funds and Master Prospectus of PB Series of Funds dated 30 April 2009. These prospectuses have been registered with the Securities Commission who takes no responsibility for its contents, and neither should their registration be interpreted to mean that the Commission recommends the investment.

You should note that there are fees and charges involved; and that the prices of units and distribution payable, if any, may go down as well as up. Past performance of a fund is not an indication of its future performance. Applications to purchase units must come in the form of a duly completed application form referred to in and accompanying the prospectuses. A copy of the Master Prospectus of Public Series of Funds and Master Prospectus of Public Series of Shariah-Based Funds can be obtained from your attending unit trust consultant or nearest Public Mutual branch; whilst a copy or the Master Prospectus of PB Series of Funds can be obtained from your nearest Public Bank branch.

--------------------------------------------------------------------------------

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TQ AND rgrds,

PK,

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#142

From: Grow Money <grow.money77@...>
Date: Fri Oct 8, 2010 7:52 am
Subject: APAKAH MATLAMAT ANDA??

grow.money77

1. ADAKAH ANDA INGIN MENJADI JUTAWAN??

2. ADAKAH ANDA INGIN BERSARA KAYA??

3. ADAKAH ANGA INGIN MEMBERI EDUCATION YANG TERBAIK UNTUK ANAK KESAYANGAN ANDA??

4. ADAKAH ANDA INGIN MENDAPAT PULANGAN YANG LEBHI BAIK DARIPADA PULANGAN WANG ANDA DI KWSP??

5. ADAKAH ANDA INGIN MENDAPAT PULANGAN YANG LEBHI BAIK DARIPADA PULANGAN WANG ANDA DI BANK??

6. ADAKAH ANDA INGIN MENGANDAKAN WANG ANDA DALAM MASA SINGKAT BERBANDING WANG ANDA DI KWSP DAN BANK??

7. ADAKAH ANDA INGIN MENGATASI MASALAH INFLASI DI MASA HADAPAN??

8. ADAKAH ANDA INGIN MENYIMPAN WANG UNTUK MASA HADAPAN??

9. ADAKAH ANDA INGIN PULANGAN YANG BAIK DARIPADA PELABURAN YANG HALAL SERTA SELAMAT DAN DIDAFTAR DI BANK NEGARA DAN SURUHANJAYA SEKURITI??

10. ADAKAH ANDA INGIN MELABUR SECARA ISLAM YANG BERLANDASKAN KEHENDAK SHARIAH??

KALAU JAWAPAN ANDA ADALAH YA, SAYA BERSEDIA UNTUK MEMBANTU ANDA UNTUK MENCAPAI MATLAMAT ANDA. SILA HUBUNGI SAYA UNTUK RUNDINGAN PERCUMA.

FOR YOUR INFORMATION,

*AVERAGE PULANGAN DI BANK ADALAH 3% HINGGA 5%; BERGANTUNG PADA JUMLAH PELABURAN.

*AVERAGE PULANGAN DI KWSP ADALAH 5% HINGGA 6%.

KALAU ANDA BERSEDIA UNTUK MELABUR DENGAN TUNJUK AJAR SAYA, ANDA BOLEH MENDAPAT PULANGAN SEPERTI DI BAWA;

ADAKAH ANDA TAHU PELABURAN RM100.00 SEBULAN UNTUK 20 TAHUN (JUMLAH PELABURAN RM24,000) BOLEH MEMBERI PULANGAN SEHINGGA RM76,000 DENGAN AVERAGE PULANGAN 10%.

ADAKAH ANDA TAHU PELABURAN RM100.00 SEBULAN UNTUK 35 TAHUN (JUMLAH PELABURAN RM42,000) BOLEH MEMBERI PULANGAN SEHINGGA RM382,000 DENGAN AVERAGE PULANGAN 10%.

ADAKAH ANDA TAHU PELABURAN RM100.00 SEBULAN UNTUK 50 TAHUN (JUMLAH PELABURAN RM60,000) BOLEH MEMBERI PULANGAN SEHINGGA RM1,740,000 DENGAN AVERAGE PULANGAN 10%.

ADAKAH ANDA TAHU PELABURAN RM10,000 BOLEH MEMBERI PULANGAN SEHINGGA RM67,000 DALAM 20 TAHUN DENGAN AVERAGE PULANGAN 10%

ADAKAH ANDA TAHU PELABURAN RM10,000 BOLEH MEMBERI PULANGAN SEHINGGA RM281,000 DALAM 35 TAHUN DENGAN AVERAGE PULANGAN 10%

ADAKAH ANDA TAHU PELABURAN RM10,000 BOLEH MEMBERI PULANGAN SEHINGGA RM1,100,000 DALAM 50 TAHUN DENGAN AVERAGE PULANGAN 10%

*ANDA MUNGKIN BOLEH DAPAT PULANGAN SEHINGGA AVERAGE 15%, BERGANTUNG KEPADA KEADAAN PELABURAN ANDA.

SILA KE http://cara-menguruskan-wang.blogspot.com

rgrds,

PK,

#143

From: "k.parameswaran ramesh" <kparam77@...>
Date: Wed Oct 20, 2010 11:07 am
Subject: Golden Palm Growers Scheme ("GPGS") - Be a profitable share holder in a Oil Palm Plantation.

kparam77

Golden Palm Growers Scheme ("GPGS") - Be a profitable share holder in a Oil Palm Plantation.

Current CPO (Crude Palm Oil) Price is around RM2900 and expected the price will increase. The international palm oil industry is booming, and the price of crude palm oil (CPO) has been rising over the years.

--------------------------------------------------------------------------------------------------------

Guaranteed 6% annual return for 1^st 6 development years and for the next 17 years, The return base on CPO price as follows.

If the Price Below RM1000.00 = 0% return

If the Price Rm1000.00 – RM1500.00 = 6% Return

If the Price exceed Rm1500.00 = 9% Return

The higher the CPO Price, The higher the Return.

The CPO price never below than RM1000.00 for the past 5 years even during market crisis 2008/2009.

The return for the 1^st 6 years is Guaranteed 6% which is much better than Fix Deposit return. The investor can benefits the return and may exit from this scheme with capital after 6^th year.

Will My Investment Be Safeguarded?

Absolutely. That’s because:

1.The Goldem Palm Growers Scheme is approved under The Companies Act, 1965.

2.The guardian of investor interests is AmTrustee berhad – a reputable, licensed trustee and member of the AmInvestment Bank group.

3.The company’s profits are audited by the renowned international audit firm Ernst & Young.

4.An independent planting advisor will conduct a review of plantation operations twice a year.

---------------------------------------------------------------------------------------------------------

An opportunity for us to invest in an palm oil plantation and truly enjoy the profit upside potential.

Now everybody can invest in Palm Oil Plantation as this scheme designed to benefit to all Malaysians.

This Scheme is applicable for foreigners.

Summary of this scheme;

The Management Company : Golden Palm Growers Berhad.Company No.762196-T. Formerly known as SPC Sawit Sdn Bhd.

The Management Company was incorporated in Malaysia under the Companies Act on 8 February 2007 as a private limited company under the name UTE Power Sdn Bhd. Than changed its name to SPC Sawit Sdn Bhd on 10 October 2007 and on 27 April 2010 the the company name converted into a public company and renamed as Golden Palm Growers Berhad.

The Management Company is principally engaged in plantation development and cultivation of fresh fruit bunches and will operate and manage the scheme.

The Management Company is a 99.66% subsidiary of Sterling Plantations Sdn Bhd which, in turn, is ultimately wholly owned by Sterling Biofuels International Limited. Sterling Biofuels is listed on the Australia Stock Exchange.

The management Company entered into the Palm Oil Plantation. The Management Company will Offer to the public only 70% of the Grower Plots and it will remain 30% of the Grower Plots.

Directors : 1.Phang Tuck Keong – Executive Chairman.

2.Lim Cheong Chai – Chief Executive Officer

3.Ezani Bin Abu Bakar – Independent Director

4.Rosli Bin Abd Shukor – Independent Director

5.Leong Wei Choo – Director

Shareholders : 1.Sterling Plantations Sdn Bhd(99.66%),

2.Saham Bangga Sdn Bhd(0.30%)

3.Lim Cheong Chai(0.04%)

Name of Scheme: Golden Palm Growers Scheme.

Marketing Company: Golden Palm Marketing Sdn Bhd.

Auditors: Ernst & Young.

Solicitors : Zul Rafique & Partners.

Independent Consultant : Agriculturist Incorporated Development Sdn Bhd.

Scheme type : Share farming interest scheme established pursuant to Division 5 of Part IV of the Companies Act 1965.

Type of interest (Grower Plot) : Interest relating to a quarter (1/4) acre of the Plantation entitling the holder to the Net Yield.

Size of Plantation: 7,000 acres and may increase additional 3,000 acres in future.

Total No of Grower Plots: 28,000(70%=19,600 & 30%=8,400)

Launch by / Date – YB Dato’ Sri Mustapa Bin Mohamad, The Minister of International Trade & Industry on 20^th August 2010 at Hilton KL.

Offer Period – 6 Months.

Grower’s Fee =1 plot = ¼ acre = RM7000.00

Agreement Fees = RM20.00

Net Yield(Return) : First Phase – guaranteed Net Yield of 6% per annum of the Grower’s Fee.

The management Company may offer to pay a bonus yield. Terms and Conditions applied.

Second Phase: based on audited net profits of the plantation with minimum return based on average crude palm oil prices.

Transfer of Grower Plots : Freely transferable after a periods of 12 months.The investor Can have join holder during application.

Repurchase of Grower Plots: the management company will repurchase Grower Plots at the request of a grower during the second Phase.

Location: Gua Musang, Kelantan

Land Owner: PPLRNK, an agency of the Kelantan state government.Land owner give full rights to Management Company to Develop, manage and maintain an Oil Palm Plantation for 60 years commencing on 12 September 2007 with an option to renew for another 30 years.

How save this Investment?:– AmTrustee is appointed as Trustee for this scheme.

Scheme period / Maturity : 23 years and may continue for 2^nd cycle if investors agreed.

Expiry or termination of Scheme: The Scheme will expire on the Maturity Date unless early termination is triggered.

Payment on expiry or termination : The investor will receive his proportionate share of the net sale proceeds of that part of the Plantation Concession relating to the Plantation.

Cooling-Off Period : 10 days

What is Golden Palm Growers Scheme?

It’s a unique scheme offered by Golden Palm Growers Berhad, under the approval of the Companies Act, 1965. It offers investors the opportunity to benefits from the booming oil palm plantation industry – without the hassle of managing a plantation.

Under the 23-year scheme, investors can purchase 1/4acre oil palm plantation plots for just RM7,000 a plot. The plantation is located in Gua Musang, Kelantan, which boasts fertile soil, plenty of natural resources and high, evenly-distributed rainfall – making it ideal for oil palm plantation development.

The planting of oil palm seedlings has commenced, with about 28,000 palms having been planted as of 30^th June 2010.

How Will I Benefits By Participating In The Scheme?

You’ll enjoy:

1.A guaranteed return on investment of 6% per annum for the first 6 development years.

2.100% of audited net profits to be distributed for next 17 years with minimum 9% p.a. if crude palm oil price exceed RM1500.00/mt*

3.Potential upside on maturity in 23 years.

4.Downside risk mitigated by Scheme features.

5.Profits audited by international audit firm Ernst & Young.

6.A buy-back guarantee at full price after 6 years.

7.A share in any capital appreciation upon the scheme’s maturity.

8.The opportunity to extend ownership for another 23 years upon the scheme’s maturity.

9.Ease in transferring plots to any beneficiary after the first 12 months.

10. In year 19, the company will give you the opportunity of extending the scheme beyond 23 years through a replanting program.

11.Growers Plots are freely transferable after 12 months.

12.When all Grower Plots have been sold, We will establish a mechanism to facilitate trading of grower plots.

Is This The Best Choice of Investment For Me?

If you’re eyeing an investment that affords you long-term returns, the answer is:Definitely. Here’s why:

1.The international palm oil industry is booming, and the price of crude palm oil (CPO) has been rising over the years.

2.This scheme offers a higher rate of return compared to what can be gained from bank’s fixed deposit rates.

3.Plots are easily transferrable to any beneficiary after the first 12 months.

4.Compared to other investment, this venture is highly affordable; offering expectations of higher yield over the long-term.

What Are This Company’s Credentials?

1.Goldem Palm Growers berhad is a public company incorporated under Malaysian Companies Act, 1965. We are a subsidiary of Sterling Biofuels International Limited, a company listed on the Australia Stock Exchange. We are in the business of developing and managing oil palm plantations in accordance with the highest standards of corporate governance. Golden Palm marketing Sdn Bhd is wholly-owned by the Sterling Group, and is a special-purpose subsidiary established to market the Golden Palm Growers Scheme.

If anybody interested to take this opportunity,

Go to www.goldenpalm.com.my and read as follows;

1.Company Profile. very important

2.Board of Directors & their profile. very important

3.Strategic Partners. very important

4.why invest? very important

5.How to become a grower. very important

6.Photo Gallery. very important

7.E-Prospectus. very important

8.E-Brochure. very important

9.Press & Industry News. very important

10.FAQ. very important

11.Investing in the Future. very important

12.CPO Prices, Trends & Others. very important

13.Growers management Agreement (At download) very important

call/reply me if u interested/ further discussions

rgrds,

PK,

017-8735029

Golden Palm Growers Berhad.

Starbiz: http://biz.thestar.com.my/news/story.asp?file=/2010/8/21/business/6896580&sec=business

Saturday August 21, 2010

Golden Palm to raise RM137mil from scheme

KUALA LUMPUR: Golden Palm Growers Bhd (GPGB) is targeting to raise RM137mil from its Golden Palm Growers Scheme which offers returns from an oil palm plantation in Gua Musang, Kelantan.

Executive chairman Andrew Phang said the initial offer price for each grower plot was RM7,000 and the company had designated 7,000 acres in the investment scheme.

“The management company may also include an additional 3,000 acres in the future,” Phang said at the launch of the scheme yesterday.

“To provide some certainty to investors, the scheme will pay a minimum 9% return a year if crude palm oil prices exceed RM1,500 per tonne and 6% a year if the prices are between RM1,000 and RM1,500 per metric tonne,” he said.

He also said the launch of the scheme marked the culmination of three years of detailed planning and preparations by GPGB, a subsidiary of Sterling Biofuels International Ltd which is listed on the Australian Stock Exchange.

“Upon expiry of the scheme in 23 years, investors will share in any capital appreciation of the plantation,” Phang said.

Under the company’s bill of guarantees, an investor is guaranteed a 6% return a year for the first six years and this guarantee is fully backed by cash deposited with AmTrustee Bhd, the trustee for the scheme.

“For the next 17 years, an investor will share in the total profit of the plantation as 100% of the audited net profit will be distributed,” he said. — Bernama

#144

From: Grow Money <grow.money77@...>
Date: Sun Oct 24, 2010 4:03 am
Subject: Satu peluang emas untuk melabur di ladang Kelapa Sawit.

grow.money77

Ganjaran di dalam genggaman anda!!

Pelaburan Dipasaran Minyak Sawit.

GoldenPalm Growers Berhad Mempersembahkan Satu Peluang Pelaburan Unik – Skim Goldem Palm Growers Yang diluluskan Dibawah Akta Syarikat 1965.

SATU PULANGAN YANG LEBIH BAIK DARI PULANGAN BANK FIX DEPOSIT(FD)

CIRI-CIRI SKIM;

1.Pelabur berhak menikmati hasil keuntungan daripada setiap plot ¼ ekar dengan pelaburan hanya RM7,000.

2.Nikmati pulangan tahunan TERJAMIN sebanyak 6% untuk tahun pertama.

3.100% keuntungan bersih beraudit akan diagihkan kepada pelabur untuk 17 tahun seterusnya.

4.Pulangan hasil jualan ladang apabila mencapai kematangan dalam 23 tahun.

5.Ciri-ciri skim yang ditawarkan merendahkan kadar risiko.

6.AmTrustee Berhad, pemegang amanah berdaftar, bertindak sebagai pemegang amanah untuk pelabur.

7.keuntungan yang diaudit oleh Ernst & Young, Firma audit antarabangsa.

8.Plot tanah ladang boleh ditukar hakmilik selepas 12 bulan.

HANYA 19,600 PLOT TANAH LADANG, ¼ EKAR SETIAP PLOT, YANG DITAWARKAN. MELABURLAH SEKARANG. TERTAKLUK KEPADA TERMA & SYARAT.

Apakah Skim Golden Palm Growers?

Ia adalah sebuah skim pelaburan unik yang ditawarkan oleh Golden Palm Growers Berhad dibawah kelulusan Aka Syarikat 1965. Ia menawarkan peluang kepada pelabur menikmati pulangan yang lumayan daripada pasaran minyak sawit yang kian meningkat – tanpa perlu menguruskan ladang sawit.

Menerusi skim 23 tahun ini, pelabur boleh melabur dalam plot tanah berkeluasan ¼ ekar dengan hanya RM7,000. Ladang ini terletak di Gua Musang, Kelantan, yang kaya dengan tanah subur, sumber-sumber asli dan taburan hujan yang sama rata – justeru menjadikannya amat sesuai untuk pembangunan ladang kelapa sawit.

Kerja-kerja menanam pokok kelapa sawit sedang giat dijalankan dan kira-kira 28,000 anak benih pokok telah ditanam setakat 30 Jun 2010.

Bagaimana saya akan mendapat manfaat daripada skim ini?

Anda akan menikmati:

- Pulangan tahunan terjamin sebanyak 6% untuk 6 tahun pembangunan pertama.

- Pulangan minimum 9% setahun untuk 17 tahun seterusnya, jika harga minyak sawit mentah melebihi RM1,500 per tan metric.

- Jaminan beli balik pada harga asal pembelian selepas 6 tahun pelaburan.

- Pulangan hasil jualan ladang apabila mencapai kematangan dalam 23 tahun.

- Peluang untuk melanjutkan pemilikan untuk 23 tahun lagi selepas mencapai tempoh matang.

- Kemudahan pemindahan lot kepada mana-mana pihak selepas 12 bulan pertama pelaburan.

Adakah pelaburan saya dilindungi?

Pelaburan anda dilindungi dengan ciri-ciri skim. Ini adalah kerana:

- Skim Golden Palm Growers diluluskan dibawah Akta Syarikat 1965.

- Pelantikan pemegang amanah berdaftar AmTrustee Bhd, yang juga ahli Kumpulan Bank AmInvetsment yang bereputasi tinggi, untuk menjaga kepentingan pelabur.

- Keuntungan syarikat yang diaudit oleh Ernst & Young, firma audit antarabangsa terulung.

- Penasihat penanaman bebas akan melakukan semakan terhadap operasi perladangan setiap enam bulan.

Adakah ini pilihan pelaburan terbaik untuk saya?

Jika anda mencari suatu bentuk pelaburan yang menjanjikan pulangan jangka panjang, jawapannya ialah: tentu sekali. Ianya adalah kerana:

- Permintaan minyak sawit semakin meningkat dan harga minyak sawit mentah (CPO) mengalami kenaikan sejak beberapa tahun kebelakangan ini.

- Skim ini menawarkan kadar pulangan lebih tinggi berbanding perolehan daripada kadar deposit tetap bank.

- Plot ladang senang dipindah milik kepada mana-mana pihak selepas 12 bulan pertama pelaburan.

- Sesiapa juga mampu melabur dalam skim ini berbanding pelaburan lain, yang menawarkan pulangan tinggi dalam jangka masa panjang.

Apakah kelayakan syarikat ini?

Golden PalmGrowers Berhad ialah sebuah sysrikat awam yang diperbadankan dibawah Akta Syarikat Malaysia 1965. Kami adalah anak Syarikat Sterling Biofuels International Limited, sebuah syarikat yang disenaraikan di Bursa Saham Australia. Kami mengusaha dan menguruskan perbadanan minyak sawit mengikut piawaian tertinggi tadbir urus syarikat. Golden Palm Marketing SDN BHD ialah syarikat milik penuh kumpulan Sterling dan ialah anak syarikat yang ditubuhkan khas untuk memasarkan Skim Golden Palm Growers.

ANDA DINASIHATKAN MENBACA DAN FAHAM TERMA DAN SYARAT DI E-PROSPECTUS DAN AGGREEMENT DAN JUGA BACA SELURUH DI LAMAN WEB WWW.GOLDENPALM.COM.MY SEBELUM MEMBUAT KEPUTUSAN UNTUK MELABUR.

KALAU SESIAPA INGIN MELABUR ATAU INGIN TAHU LEBIH LANJUT SILA EMAIL SAYA.

AGENT PEMASARAN DIPERLUKAN.

Yang benar,

Parameswaran.k

Agent Pemasaran,

Golden Palm Growers Berhad.

Grow.money77@...

017-8735029

www.goldenpalm.com.my

---------------------------------------------------------

Golden Palm Growers Scheme ("GPGS") - Be a profitable share holder in a Palm Oil Plantation.

--------------------------------------------------------------------------------------------------------

Guaranteed 6% annual return for 1^st 6 development years and for the next 17 years, The return base on CPO price as follows.

If the Price Below RM1000.00 = 0% return

If the Price Rm1000.00 – RM1500.00 = 6% Return

If the Price exceed Rm1500.00 = 9% Return

The higher the CPO Price, The higher the Return.

The CPO price never below than RM1000.00 for the past 5 years even during market crisis 2008/2009.

The return for the 1^st 6 years is Guaranteed 6% which is much better than Fix Deposit return. The investor can benefits the return and may exit from this scheme with capital after 6^th year.

Will My Investment Be Safeguarded?

Absolutely. That’s because:

1.The Goldem Palm Growers Scheme is approved under The Companies Act, 1965.

2.The guardian of investor interests is AmTrustee berhad – a reputable, licensed trustee and member of the AmInvestment Bank group.

3.The company’s profits are audited by the renowned international audit firm Ernst & Young.

4.An independent planting advisor will conduct a review of plantation operations twice a year.

---------------------------------------------------------------------------------------------------------

An opportunity for us to invest in an palm oil plantation and truly enjoy the profit upside potential.

Now everybody can invest in Palm Oil Plantation as this scheme designed to benefit to all Malaysians.

This Scheme is applicable for foreigners.

Summary of this scheme;

The Management Company : Golden Palm Growers Berhad.Company No.762196-T. Formerly known as SPC Sawit Sdn Bhd.

The Management Company is principally engaged in plantation development and cultivation of fresh fruit bunches and will operate and manage the scheme.

The management Company entered into the Palm Oil Plantation. The Management Company will Offer to the public only 70% of the Grower Plots and it will remain 30% of the Grower Plots.

Directors : 1.Phang Tuck Keong – Executive Chairman.

2.Lim Cheong Chai – Chief Executive Officer

3.Ezani Bin Abu Bakar – Independent Director

4.Rosli Bin Abd Shukor – Independent Director

5.Leong Wei Choo – Director

Shareholders : 1.Sterling Plantations Sdn Bhd(99.66%),

2.Saham Bangga Sdn Bhd(0.30%)

3.Lim Cheong Chai(0.04%)

Name of Scheme: Golden Palm Growers Scheme.

Marketing Company: Golden Palm Marketing Sdn Bhd.

Auditors: Ernst & Young.

Solicitors : Zul Rafique & Partners.

Independent Consultant : Agriculturist Incorporated Development Sdn Bhd.

Scheme type : Share farming interest scheme established pursuant to Division 5 of Part IV of the Companies Act 1965.

Type of interest (Grower Plot) : Interest relating to a quarter (1/4) acre of the Plantation entitling the holder to the Net Yield.

Size of Plantation: 7,000 acres and may increase additional 3,000 acres in future.

Total No of Grower Plots: 28,000(70%=19,600 & 30%=8,400)

Launch by / Date – YB Dato’ Sri Mustapa Bin Mohamad, The Minister of International Trade & Industry on 20^th August 2010 at Hilton KL.

Offer Period – 6 Months.

Grower’s Fee =1 plot = ¼ acre = RM7000.00

Agreement Fees = RM20.00

Net Yield(Return) : First Phase – guaranteed Net Yield of 6% per annum of the Grower’s Fee.

The management Company may offer to pay a bonus yield. Terms and Conditions applied.

Second Phase: based on audited net profits of the plantation with minimum return based on average crude palm oil prices.

Transfer of Grower Plots : Freely transferable after a periods of 12 months.The investor Can have join holder during application.

Repurchase of Grower Plots: the management company will repurchase Grower Plots at the request of a grower during the second Phase.

Location: Gua Musang, Kelantan

How save this Investment?:– AmTrustee is appointed as Trustee for this scheme.

Scheme period / Maturity : 23 years and may continue for 2^nd cycle if investors agreed.

Expiry or termination of Scheme: The Scheme will expire on the Maturity Date unless early termination is triggered.

Payment on expiry or termination : The investor will receive his proportionate share of the net sale proceeds of that part of the Plantation Concession relating to the Plantation.

Cooling-Off Period : 10 days

What is Golden Palm Growers Scheme?

The planting of oil palm seedlings has commenced, with about 28,000 palms having been planted as of 30^th June 2010.

How Will I Benefits By Participating In The Scheme?

You’ll enjoy:

1.A guaranteed return on investment of 6% per annum for the first 6 development years.

2.100% of audited net profits to be distributed for next 17 years with minimum 9% p.a. if crude palm oil price exceed RM1500.00/mt*

3.Potential upside on maturity in 23 years.

4.Downside risk mitigated by Scheme features.

5.Profits audited by international audit firm Ernst & Young.

6.A buy-back guarantee at full price after 6 years.

7.A share in any capital appreciation upon the scheme’s maturity.

8.The opportunity to extend ownership for another 23 years upon the scheme’s maturity.

9.Ease in transferring plots to any beneficiary after the first 12 months.

10. In year 19, the company will give you the opportunity of extending the scheme beyond 23 years through a replanting program.

11.Growers Plots are freely transferable after 12 months.

12.When all Grower Plots have been sold, We will establish a mechanism to facilitate trading of grower plots.

Is This The Best Choice of Investment For Me?

If you’re eyeing an investment that affords you long-term returns, the answer is:Definitely. Here’s why:

1.The international palm oil industry is booming, and the price of crude palm oil (CPO) has been rising over the years.

2.This scheme offers a higher rate of return compared to what can be gained from bank’s fixed deposit rates.

3.Plots are easily transferrable to any beneficiary after the first 12 months.

4.Compared to other investment, this venture is highly affordable; offering expectations of higher yield over the long-term.

What Are This Company’s Credentials?

If anybody interested to take this opportunity,

Go to www.goldenpalm.com.my and read as follows;

1;Company Profile. very important

2.Board od Directors. very important

3.Strategic Partners. very important

4.why invest? very important

5.How to become a grower. very important

6.Photo Gallery. very important

7.E-Prospectus. very important

8.E-Brochure. very important

9.Press & Industry News. very important

10.FAQ. very important

11.Investing in the Future. very important

12.CPO Prices, Trends & Others. very important

13.Growers management Agreement (At download) very important

call/reply me if u interested/ further discussions

rgrds,

ParameswaranK,

Marketing Agent,

Grow.money77@...

017-8735029

Golden Palm Growers Berhad.

www.goldenpalm.com.my

Starbiz: http://biz.thestar.com.my/news/story.asp?file=/2010/8/21/business/6896580&sec=business

Saturday August 21, 2010

Golden Palm to raise RM137mil from scheme

KUALA LUMPUR: Golden Palm Growers Bhd (GPGB) is targeting to raise RM137mil from its Golden Palm Growers Scheme which offers returns from an oil palm plantation in Gua Musang, Kelantan.

Executive chairman Andrew Phang said the initial offer price for each grower plot was RM7,000 and the company had designated 7,000 acres in the investment scheme.

“The management company may also include an additional 3,000 acres in the future,” Phang said at the launch of the scheme yesterday.

“Upon expiry of the scheme in 23 years, investors will share in any capital appreciation of the plantation,” Phang said.

“For the next 17 years, an investor will share in the total profit of the plantation as 100% of the audited net profit will be distributed,” he said. — Bernama

#145

From: Grow Money <grow.money77@...>
Date: Mon Oct 25, 2010 4:16 am
Subject: Satu peluang emas untuk melabur di ladang Kelapa Sawit.

grow.money77

Ganjaran di dalam genggaman anda!!

Pelaburan Dipasaran Minyak Sawit.

GoldenPalm Growers Berhad Mempersembahkan Satu Peluang Pelaburan Unik – Skim Goldem Palm Growers Yang diluluskan Dibawah Akta Syarikat 1965.

SATU PULANGAN YANG LEBIH BAIK DARI PULANGAN BANK FIX DEPOSIT(FD)

CIRI-CIRI SKIM;

1.Pelabur berhak menikmati hasil keuntungan daripada setiap plot ¼ ekar dengan pelaburan hanya RM7,000.

2.Nikmati pulangan tahunan TERJAMIN sebanyak 6% untuk tahun pertama.

3.100% keuntungan bersih beraudit akan diagihkan kepada pelabur untuk 17 tahun seterusnya.

4.Pulangan hasil jualan ladang apabila mencapai kematangan dalam 23 tahun.

5.Ciri-ciri skim yang ditawarkan merendahkan kadar risiko.

6.AmTrustee Berhad, pemegang amanah berdaftar, bertindak sebagai pemegang amanah untuk pelabur.

7.keuntungan yang diaudit oleh Ernst & Young, Firma audit antarabangsa.

8.Plot tanah ladang boleh ditukar hakmilik selepas 12 bulan.

HANYA 19,600 PLOT TANAH LADANG, ¼ EKAR SETIAP PLOT, YANG DITAWARKAN. MELABURLAH SEKARANG. TERTAKLUK KEPADA TERMA & SYARAT.

Apakah Skim Golden Palm Growers?

Kerja-kerja menanam pokok kelapa sawit sedang giat dijalankan dan kira-kira 28,000 anak benih pokok telah ditanam setakat 30 Jun 2010.

Bagaimana saya akan mendapat manfaat daripada skim ini?

Anda akan menikmati:

- Pulangan tahunan terjamin sebanyak 6% untuk 6 tahun pembangunan pertama.

- Pulangan minimum 9% setahun untuk 17 tahun seterusnya, jika harga minyak sawit mentah melebihi RM1,500 per tan metric.

- Jaminan beli balik pada harga asal pembelian selepas 6 tahun pelaburan.

- Pulangan hasil jualan ladang apabila mencapai kematangan dalam 23 tahun.

- Peluang untuk melanjutkan pemilikan untuk 23 tahun lagi selepas mencapai tempoh matang.

- Kemudahan pemindahan lot kepada mana-mana pihak selepas 12 bulan pertama pelaburan.

Adakah pelaburan saya dilindungi?

Pelaburan anda dilindungi dengan ciri-ciri skim. Ini adalah kerana:

- Skim Golden Palm Growers diluluskan dibawah Akta Syarikat 1965.

- Pelantikan pemegang amanah berdaftar AmTrustee Bhd, yang juga ahli Kumpulan Bank AmInvetsment yang bereputasi tinggi, untuk menjaga kepentingan pelabur.

- Keuntungan syarikat yang diaudit oleh Ernst & Young, firma audit antarabangsa terulung.

- Penasihat penanaman bebas akan melakukan semakan terhadap operasi perladangan setiap enam bulan.

Adakah ini pilihan pelaburan terbaik untuk saya?

Jika anda mencari suatu bentuk pelaburan yang menjanjikan pulangan jangka panjang, jawapannya ialah: tentu sekali. Ianya adalah kerana:

- Permintaan minyak sawit semakin meningkat dan harga minyak sawit mentah (CPO) mengalami kenaikan sejak beberapa tahun kebelakangan ini.

- Skim ini menawarkan kadar pulangan lebih tinggi berbanding perolehan daripada kadar deposit tetap bank.

- Plot ladang senang dipindah milik kepada mana-mana pihak selepas 12 bulan pertama pelaburan.

- Sesiapa juga mampu melabur dalam skim ini berbanding pelaburan lain, yang menawarkan pulangan tinggi dalam jangka masa panjang.

Apakah kelayakan syarikat ini?

ANDA DINASIHATKAN MENBACA DAN FAHAM TERMA DAN SYARAT DI E-PROSPECTUS DAN AGGREEMENT DAN JUGA BACA SELURUH DI LAMAN WEB WWW.GOLDENPALM.COM.MY SEBELUM MEMBUAT KEPUTUSAN UNTUK MELABUR.

KALAU SESIAPA INGIN MELABUR ATAU INGIN TAHU LEBIH LANJUT SILA EMAIL SAYA.

AGENT PEMASARAN DIPERLUKAN.

Yang benar,

Parameswaran.k

Agent Pemasaran,

Golden Palm Growers Berhad.

Grow.money77@...

017-8735029

www.goldenpalm.com.my

---------------------------------------------------------

Golden Palm Growers Scheme ("GPGS") - Be a profitable share holder in a Palm Oil Plantation.

--------------------------------------------------------------------------------------------------------

Guaranteed 6% annual return for 1^st 6 development years and for the next 17 years, The return base on CPO price as follows.

If the Price Below RM1000.00 = 0% return

If the Price Rm1000.00 – RM1500.00 = 6% Return

If the Price exceed Rm1500.00 = 9% Return

The higher the CPO Price, The higher the Return.

The CPO price never below than RM1000.00 for the past 5 years even during market crisis 2008/2009.

The return for the 1^st 6 years is Guaranteed 6% which is much better than Fix Deposit return. The investor can benefits the return and may exit from this scheme with capital after 6^th year.

Will My Investment Be Safeguarded?

Absolutely. That’s because:

1.The Goldem Palm Growers Scheme is approved under The Companies Act, 1965.

2.The guardian of investor interests is AmTrustee berhad – a reputable, licensed trustee and member of the AmInvestment Bank group.

3.The company’s profits are audited by the renowned international audit firm Ernst & Young.

4.An independent planting advisor will conduct a review of plantation operations twice a year.

---------------------------------------------------------------------------------------------------------

An opportunity for us to invest in an palm oil plantation and truly enjoy the profit upside potential.

Now everybody can invest in Palm Oil Plantation as this scheme designed to benefit to all Malaysians.

This Scheme is applicable for foreigners.

Summary of this scheme;

The Management Company : Golden Palm Growers Berhad.Company No.762196-T. Formerly known as SPC Sawit Sdn Bhd.

The Management Company is principally engaged in plantation development and cultivation of fresh fruit bunches and will operate and manage the scheme.

The management Company entered into the Palm Oil Plantation. The Management Company will Offer to the public only 70% of the Grower Plots and it will remain 30% of the Grower Plots.

Directors : 1.Phang Tuck Keong – Executive Chairman.

2.Lim Cheong Chai – Chief Executive Officer

3.Ezani Bin Abu Bakar – Independent Director

4.Rosli Bin Abd Shukor – Independent Director

5.Leong Wei Choo – Director

Shareholders : 1.Sterling Plantations Sdn Bhd(99.66%),

2.Saham Bangga Sdn Bhd(0.30%)

3.Lim Cheong Chai(0.04%)

Name of Scheme: Golden Palm Growers Scheme.

Marketing Company: Golden Palm Marketing Sdn Bhd.

Auditors: Ernst & Young.

Solicitors : Zul Rafique & Partners.

Independent Consultant : Agriculturist Incorporated Development Sdn Bhd.

Scheme type : Share farming interest scheme established pursuant to Division 5 of Part IV of the Companies Act 1965.

Type of interest (Grower Plot) : Interest relating to a quarter (1/4) acre of the Plantation entitling the holder to the Net Yield.

Size of Plantation: 7,000 acres and may increase additional 3,000 acres in future.

Total No of Grower Plots: 28,000(70%=19,600 & 30%=8,400)

Launch by / Date – YB Dato’ Sri Mustapa Bin Mohamad, The Minister of International Trade & Industry on 20^th August 2010 at Hilton KL.

Offer Period – 6 Months.

Grower’s Fee =1 plot = ¼ acre = RM7000.00

Agreement Fees = RM20.00

Net Yield(Return) : First Phase – guaranteed Net Yield of 6% per annum of the Grower’s Fee.

The management Company may offer to pay a bonus yield. Terms and Conditions applied.

Second Phase: based on audited net profits of the plantation with minimum return based on average crude palm oil prices.

Transfer of Grower Plots : Freely transferable after a periods of 12 months.The investor Can have join holder during application.

Repurchase of Grower Plots: the management company will repurchase Grower Plots at the request of a grower during the second Phase.

Location: Gua Musang, Kelantan

How save this Investment?:– AmTrustee is appointed as Trustee for this scheme.

Scheme period / Maturity : 23 years and may continue for 2^nd cycle if investors agreed.

Expiry or termination of Scheme: The Scheme will expire on the Maturity Date unless early termination is triggered.

Payment on expiry or termination : The investor will receive his proportionate share of the net sale proceeds of that part of the Plantation Concession relating to the Plantation.

Cooling-Off Period : 10 days

What is Golden Palm Growers Scheme?

The planting of oil palm seedlings has commenced, with about 28,000 palms having been planted as of 30^th June 2010.

How Will I Benefits By Participating In The Scheme?

You’ll enjoy:

1.A guaranteed return on investment of 6% per annum for the first 6 development years.

2.100% of audited net profits to be distributed for next 17 years with minimum 9% p.a. if crude palm oil price exceed RM1500.00/mt*

3.Potential upside on maturity in 23 years.

4.Downside risk mitigated by Scheme features.

5.Profits audited by international audit firm Ernst & Young.

6.A buy-back guarantee at full price after 6 years.

7.A share in any capital appreciation upon the scheme’s maturity.

8.The opportunity to extend ownership for another 23 years upon the scheme’s maturity.

9.Ease in transferring plots to any beneficiary after the first 12 months.

10. In year 19, the company will give you the opportunity of extending the scheme beyond 23 years through a replanting program.

11.Growers Plots are freely transferable after 12 months.

12.When all Grower Plots have been sold, We will establish a mechanism to facilitate trading of grower plots.

Is This The Best Choice of Investment For Me?

If you’re eyeing an investment that affords you long-term returns, the answer is:Definitely. Here’s why:

1.The international palm oil industry is booming, and the price of crude palm oil (CPO) has been rising over the years.

2.This scheme offers a higher rate of return compared to what can be gained from bank’s fixed deposit rates.

3.Plots are easily transferrable to any beneficiary after the first 12 months.

4.Compared to other investment, this venture is highly affordable; offering expectations of higher yield over the long-term.

What Are This Company’s Credentials?

If anybody interested to take this opportunity,

Go to www.goldenpalm.com.my and read as follows;

1;Company Profile. very important

2.Board od Directors. very important

3.Strategic Partners. very important

4.why invest? very important

5.How to become a grower. very important

6.Photo Gallery. very important

7.E-Prospectus. very important

8.E-Brochure. very important

9.Press & Industry News. very important

10.FAQ. very important

11.Investing in the Future. very important

12.CPO Prices, Trends & Others. very important

13.Growers management Agreement (At download) very important

call/reply me if u interested/ further discussions

rgrds,

ParameswaranK,

Marketing Agent,

Grow.money77@...

017-8735029

Golden Palm Growers Berhad.

Starbiz: http://biz.thestar.com.my/news/story.asp?file=/2010/8/21/business/6896580&sec=business

Saturday August 21, 2010

Golden Palm to raise RM137mil from scheme

KUALA LUMPUR: Golden Palm Growers Bhd (GPGB) is targeting to raise RM137mil from its Golden Palm Growers Scheme which offers returns from an oil palm plantation in Gua Musang, Kelantan.

Executive chairman Andrew Phang said the initial offer price for each grower plot was RM7,000 and the company had designated 7,000 acres in the investment scheme.

“The management company may also include an additional 3,000 acres in the future,” Phang said at the launch of the scheme yesterday.

“Upon expiry of the scheme in 23 years, investors will share in any capital appreciation of the plantation,” Phang said.

“For the next 17 years, an investor will share in the total profit of the plantation as 100% of the audited net profit will be distributed,” he said. — Bernama

#146

From: Grow Money <grow.money77@...>
Date: Thu Oct 28, 2010 3:02 am
Subject: Agents Wanted - Golden Palm Growers Scheme ("GPGS") - Be a profitable share holder in a Oil Palm Plantation.

grow.money77

017-8735029 / kparam77@...

Agents wanted to do Marketing for this Scheme.(Part/Full Time)

Company : Golden Palm Growers Berhad.

Agency : Maple Global Marketing Sdn.Bhd.

Contact me for further detail.

Parameswaran.k

Marketing Agent for Maple Global Marketing Sdn.Bhd.

Remarks: This scheme adv at NST (27/10/2010)

==============================================================

Ganjaran di dalam genggaman anda!!

Pelaburan Dipasaran Minyak Sawit.

GoldenPalm Growers Berhad Mempersembahkan Satu Peluang Pelaburan Unik – Skim Goldem Palm Growers Yang diluluskan Dibawah Akta Syarikat 1965.

SATU PULANGAN YANG LEBIH BAIK DARI PULANGAN BANK FIX DEPOSIT(FD)

CIRI-CIRI SKIM;

1.Pelabur berhak menikmati hasil keuntungan daripada setiap plot ¼ ekar dengan pelaburan hanya RM7,000.

2.Nikmati pulangan tahunan TERJAMIN sebanyak 6% untuk tahun pertama.

3.100% keuntungan bersih beraudit akan diagihkan kepada pelabur untuk 17 tahun seterusnya.

4.Pulangan hasil jualan ladang apabila mencapai kematangan dalam 23 tahun.

5.Ciri-ciri skim yang ditawarkan merendahkan kadar risiko.

6.AmTrustee Berhad, pemegang amanah berdaftar, bertindak sebagai pemegang amanah untuk pelabur.

7.keuntungan yang diaudit oleh Ernst & Young, Firma audit antarabangsa.

8.Plot tanah ladang boleh ditukar hakmilik selepas 12 bulan.

HANYA 19,600 PLOT TANAH LADANG, ¼ EKAR SETIAP PLOT, YANG DITAWARKAN. MELABURLAH SEKARANG. TERTAKLUK KEPADA TERMA & SYARAT.

Apakah Skim Golden Palm Growers?

Kerja-kerja menanam pokok kelapa sawit sedang giat dijalankan dan kira-kira 28,000 anak benih pokok telah ditanam setakat 30 Jun 2010.

Bagaimana saya akan mendapat manfaat daripada skim ini?

Anda akan menikmati:

- Pulangan tahunan terjamin sebanyak 6% untuk 6 tahun pembangunan pertama.

- Pulangan minimum 9% setahun untuk 17 tahun seterusnya, jika harga minyak sawit mentah melebihi RM1,500 per tan metric.

- Jaminan beli balik pada harga asal pembelian selepas 6 tahun pelaburan.

- Pulangan hasil jualan ladang apabila mencapai kematangan dalam 23 tahun.

- Peluang untuk melanjutkan pemilikan untuk 23 tahun lagi selepas mencapai tempoh matang.

- Kemudahan pemindahan lot kepada mana-mana pihak selepas 12 bulan pertama pelaburan.

Adakah pelaburan saya dilindungi?

Pelaburan anda dilindungi dengan ciri-ciri skim. Ini adalah kerana:

- Skim Golden Palm Growers diluluskan dibawah Akta Syarikat 1965.

- Pelantikan pemegang amanah berdaftar AmTrustee Bhd, yang juga ahli Kumpulan Bank AmInvetsment yang bereputasi tinggi, untuk menjaga kepentingan pelabur.

- Keuntungan syarikat yang diaudit oleh Ernst & Young, firma audit antarabangsa terulung.

- Penasihat penanaman bebas akan melakukan semakan terhadap operasi perladangan setiap enam bulan.

Adakah ini pilihan pelaburan terbaik untuk saya?

Jika anda mencari suatu bentuk pelaburan yang menjanjikan pulangan jangka panjang, jawapannya ialah: tentu sekali. Ianya adalah kerana:

- Permintaan minyak sawit semakin meningkat dan harga minyak sawit mentah (CPO) mengalami kenaikan sejak beberapa tahun kebelakangan ini.

- Skim ini menawarkan kadar pulangan lebih tinggi berbanding perolehan daripada kadar deposit tetap bank.

- Plot ladang senang dipindah milik kepada mana-mana pihak selepas 12 bulan pertama pelaburan.

- Sesiapa juga mampu melabur dalam skim ini berbanding pelaburan lain, yang menawarkan pulangan tinggi dalam jangka masa panjang.

Apakah kelayakan syarikat ini?

ANDA DINASIHATKAN MENBACA DAN FAHAM TERMA DAN SYARAT DI E-PROSPECTUS DAN AGGREEMENT DAN JUGA BACA SELURUH DI LAMAN WEB WWW.GOLDENPALM.COM.MY SEBELUM MEMBUAT KEPUTUSAN UNTUK MELABUR.

KALAU SESIAPA INGIN MELABUR ATAU INGIN TAHU LEBIH LANJUT SILA EMAIL SAYA.

AGENT PEMASARAN DIPERLUKAN.

Yang benar,

Parameswaran.k

Agent Pemasaran,

Golden Palm Growers Berhad.

Grow.money77@...

017-8735029

www.goldenpalm.com.my

-----------------------------------------------------------------------------------

Golden Palm Growers Scheme ("GPGS") - Be a profitable share holder in a Oil Palm Plantation.

--------------------------------------------------------------------------------------------------------

Guaranteed 6% annual return for 1^st 6 development years and for the next 17 years, The return base on CPO price as follows.

If the Price Below RM1000.00 = 0% return

If the Price Rm1000.00 – RM1500.00 = 6% Return

If the Price exceed Rm1500.00 = 9% Return

The higher the CPO Price, The higher the Return.

The CPO price never below than RM1000.00 for the past 5 years even during market crisis 2008/2009.

The return for the 1^st 6 years is Guaranteed 6% which is much better than Fix Deposit return. The investor can benefits the return and may exit from this scheme with capital after 6^th year.

Will My Investment Be Safeguarded?

Absolutely. That’s because:

1.The Goldem Palm Growers Scheme is approved under The Companies Act, 1965.

2.The guardian of investor interests is AmTrustee berhad – a reputable, licensed trustee and member of the AmInvestment Bank group.

3.The company’s profits are audited by the renowned international audit firm Ernst & Young.

4.An independent planting advisor will conduct a review of plantation operations twice a year.

---------------------------------------------------------------------------------------------------------

An opportunity for us to invest in an palm oil plantation and truly enjoy the profit upside potential.

Now everybody can invest in Palm Oil Plantation as this scheme designed to benefit to all Malaysians.

This Scheme is applicable for foreigners.

Summary of this scheme;

The Management Company : Golden Palm Growers Berhad.Company No.762196-T. Formerly known as SPC Sawit Sdn Bhd.

The Management Company is principally engaged in plantation development and cultivation of fresh fruit bunches and will operate and manage the scheme.

The management Company entered into the Palm Oil Plantation. The Management Company will Offer to the public only 70% of the Grower Plots and it will remain 30% of the Grower Plots.

Directors : 1.Phang Tuck Keong – Executive Chairman.

2.Lim Cheong Chai – Chief Executive Officer

3.Ezani Bin Abu Bakar – Independent Director

4.Rosli Bin Abd Shukor – Independent Director

5.Leong Wei Choo – Director

Shareholders : 1.Sterling Plantations Sdn Bhd(99.66%),

2.Saham Bangga Sdn Bhd(0.30%)

3.Lim Cheong Chai(0.04%)

Name of Scheme: Golden Palm Growers Scheme.

Marketing Company: Golden Palm Marketing Sdn Bhd.

Auditors: Ernst & Young.

Solicitors : Zul Rafique & Partners.

Independent Consultant : Agriculturist Incorporated Development Sdn Bhd.

Scheme type : Share farming interest scheme established pursuant to Division 5 of Part IV of the Companies Act 1965.

Type of interest (Grower Plot) : Interest relating to a quarter (1/4) acre of the Plantation entitling the holder to the Net Yield.

Size of Plantation: 7,000 acres and may increase additional 3,000 acres in future.

Total No of Grower Plots: 28,000(70%=19,600 & 30%=8,400)

Launch by / Date – YB Dato’ Sri Mustapa Bin Mohamad, The Minister of International Trade & Industry on 20^th August 2010 at Hilton KL.

Offer Period – 6 Months.

Grower’s Fee =1 plot = ¼ acre = RM7000.00

Agreement Fees = RM20.00

Net Yield(Return) : First Phase – guaranteed Net Yield of 6% per annum of the Grower’s Fee.

The management Company may offer to pay a bonus yield. Terms and Conditions applied.

Second Phase: based on audited net profits of the plantation with minimum return based on average crude palm oil prices.

Transfer of Grower Plots : Freely transferable after a periods of 12 months.The investor Can have join holder during application.

Repurchase of Grower Plots: the management company will repurchase Grower Plots at the request of a grower during the second Phase.

Location: Gua Musang, Kelantan

How save this Investment?:– AmTrustee is appointed as Trustee for this scheme.

Scheme period / Maturity : 23 years and may continue for 2^nd cycle if investors agreed.

Expiry or termination of Scheme: The Scheme will expire on the Maturity Date unless early termination is triggered.

Payment on expiry or termination : The investor will receive his proportionate share of the net sale proceeds of that part of the Plantation Concession relating to the Plantation.

Cooling-Off Period : 10 days

What is Golden Palm Growers Scheme?

The planting of oil palm seedlings has commenced, with about 28,000 palms having been planted as of 30^th June 2010.

How Will I Benefits By Participating In The Scheme?

You’ll enjoy:

1.A guaranteed return on investment of 6% per annum for the first 6 development years.

2.100% of audited net profits to be distributed for next 17 years with minimum 9% p.a. if crude palm oil price exceed RM1500.00/mt*

3.Potential upside on maturity in 23 years.

4.Downside risk mitigated by Scheme features.

5.Profits audited by international audit firm Ernst & Young.

6.A buy-back guarantee at full price after 6 years.

7.A share in any capital appreciation upon the scheme’s maturity.

8.The opportunity to extend ownership for another 23 years upon the scheme’s maturity.

9.Ease in transferring plots to any beneficiary after the first 12 months.

10. In year 19, the company will give you the opportunity of extending the scheme beyond 23 years through a replanting program.

11.Growers Plots are freely transferable after 12 months.

12.When all Grower Plots have been sold, We will establish a mechanism to facilitate trading of grower plots.

Is This The Best Choice of Investment For Me?

If you’re eyeing an investment that affords you long-term returns, the answer is:Definitely. Here’s why:

1.The international palm oil industry is booming, and the price of crude palm oil (CPO) has been rising over the years.

2.This scheme offers a higher rate of return compared to what can be gained from bank’s fixed deposit rates.

3.Plots are easily transferrable to any beneficiary after the first 12 months.

4.Compared to other investment, this venture is highly affordable; offering expectations of higher yield over the long-term.

What Are This Company’s Credentials?

If anybody interested to take this opportunity,

Go to www.goldenpalm.com.my and read as follows;

1.Company Profile. very important

2.Board of Directors & their profile. very important

3.Strategic Partners. very important

4.why invest? very important

5.How to become a grower. very important

6.Photo Gallery. very important

7.E-Prospectus. very important

8.E-Brochure. very important

9.Press & Industry News. very important

10.FAQ. very important

11.Investing in the Future. very important

12.CPO Prices, Trends & Others. very important

13.Growers management Agreement (At download) very important

call/reply me if u interested/ further discussions

rgrds,

PK,

017-8735029

Golden Palm Growers Berhad.

Starbiz: http://biz.thestar.com.my/news/story.asp?file=/2010/8/21/business/6896580&sec=business

Saturday August 21, 2010

Golden Palm to raise RM137mil from scheme

KUALA LUMPUR: Golden Palm Growers Bhd (GPGB) is targeting to raise RM137mil from its Golden Palm Growers Scheme which offers returns from an oil palm plantation in Gua Musang, Kelantan.

Executive chairman Andrew Phang said the initial offer price for each grower plot was RM7,000 and the company had designated 7,000 acres in the investment scheme.

“The management company may also include an additional 3,000 acres in the future,” Phang said at the launch of the scheme yesterday.

“Upon expiry of the scheme in 23 years, investors will share in any capital appreciation of the plantation,” Phang said.

“For the next 17 years, an investor will share in the total profit of the plantation as 100% of the audited net profit will be distributed,” he said. — Bernama

#147

From: "k.parameswaran ramesh" <kparam77@...>
Date: Sat Nov 13, 2010 3:37 pm
Subject: Actual returns.

kparam77

My clients Actual returns from P.Mutual. As at 09/11/ 2010

Clients/Acc open/Inv periods/Fund/Inv Amount/Current value/Profits

Myself / 17-8-09 / 15 months / PSSF / RM3100 / RM4270 / RM1170 (37%)

Myself / 17-8-09 / 15 months / PISSF / RM3100 / RM4145 / RM1045 (33%)

Client A / 14-7-09 / 17 months / PISSF / RM2000 / RM2505 / RM505 (25%)

Client B / 20-2-09 / 21 months / PIEF / RM2490 / RM3734 / RM1244 (49%)

Client C / 24-3-09 / 20 months / PIEF / RM2490 / RM3700 / RM1210 (48%)

Client D / 27-4-09 / 19 months / PIEF / RM2000 / RM2745 / RM745 (37%)

Client E / 25-5-09 / 18 months / PISTF / RM5900 / RM7944 / RM2044 (34%)

Client F / 2-9-09 / 14 months / PSSF / RM1300 / RM1789 / RM489 (48%)

PLS BE INFORMED THAT, PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE PERFORMANCE, YOU ARE ADVISED TO READ AND UNDERSTAND ABOUT THIS PUBLIC MUTUAL UNIT TRUST INVESTMENT IN WWW.GROW-MONEY77.BLOGSPOT.COM

Rgrds,

Parameswaran.K

www.grow-money77.blogspot.com

#148

From: "k.parameswaran ramesh" <kparam77@...>
Date: Tue Nov 23, 2010 2:32 am
Subject: Public Mutual Launch 2 new ISLAMIC Funds.

kparam77

sesiapa ingin melabur, sila hubungi saya untuk maklumat lanjut.

Yours monthly RM.100.00 will make BIG different in lorn term, Or

Yours 1 time investment RM1000.00 will make BIG different in long term.

If anybody interested,

Pls contact me for further information.

Parameswaran.K

kparam77@ yahoo.com

017-8735029

www.publicmutual.com.my

-------------------------------------------------------------------------------------------

PUBLIC ISLAMIC ALPHA-40 GROWTH FUND

Invest in 40 choice stocks and build a nest for capital growth

To achieve capital growth by investing in up to a maximum of 40 stocks which comply with Shariah requirements.
Equity exposure: Generally range from 75% to 98% of its net asset value (NAV).
To achieve increased diversification, the fund may invest up to 30% of its NAV in selected foreign markets which include Singapore, Taiwan, South Korea, Japan, Australia, New Zealand, Hong Kong, China, Thailand, Indonesia, Philippines and other markets.
Initial issue price is RM0.25 per unit during offer period (16 November - 6 December 2010).
Suitable for investors with aggressive risk-reward temperament.
Enjoy special service charges for investments into
Public Islamic Alpha-40 Growth Fund (PIA40GF) during offer period.

Investment amoung per transaction / Promotion	Special Service Charge
RM5,000 to RM9,999 per transaction	5.25%*

RM10,000 and above per transaction	5.00%*

Direct Debit Instruction (DDI) submitted during Offer Period	5.25%**

* of Initial Issue Price per unit
** of net asset value (NAV) per unit. This 5.25% of NAV per unit applies as long as the Direct Debit is active.

Public Islamic Alpha-40 Growth Fund

FUND INFORMATION

Category of Fund		Equity Fund (Shariah)
Approved Fund Size		1.5 Billion Units
Launch Date		16 November 2010
Investor's Risk Profile		Aggressive
Fund Objective		To achieve capital growth by investing in stocks which comply with Shariah requirements.

FEES & CHARGES
	Service Charge	Up to 5.5% of NAV per unit
	Repurchase Charge	NIL
	Annual Management Fee	1.5% per annum of the NAV
	Annual Trustee Fee	0.08% per annum of NAV, subject to a minimum fee of RM18,000 per annum.

UNIT TRANSACTION
	Buying & Selling	At NAV per unit (Forward Pricing). Upon the purchase of units of the fund by investors, a service charge of up to 5.5% is levied. The Manager does not impose a repurchase charge on the sale of units of the fund by investors.
	Minimum Initial Investment	RM1,000
	Minimum Additional Investment	RM100
more

Please click here to view the PROSPECTUS/INFORMATION MEMORANDUM.

You are advised to read and understand the contents of Investment Disclaimer before you proceed any further from this page.

INVESTORS SHOULD RELY ON THEIR OWN EVALUATION TO ASSESS THE MERITS AND RISKS OF THE INVESTMENT. IN CONSIDERING THE INVESTMENT, INVESTORS WHO ARE IN DOUBT AS TO THE ACTION TO BE TAKEN SHOULD CONSULT THEIR PROFESSIONAL ADVISERS IMMEDIATELY.

PUBLIC ISLAMIC INFRASTRUCTURE BOND FUND

Enjoy steady income from the infrastructure sector

An Islamic bond fund that seeks to provide annual income to investors through investments in sukuk of companies in the infrastructure sector.
Distribution policy: Annual income (on a best effort basis).
May invest up to 25% of its net asset value in foreign sukuk to increase diversification.

Public Islamic Infrastructure Bond Fund

FUND INFORMATION

Category of Fund		Bond Fund (Shariah)
Approved Fund Size		500 Million Units
Launch Date		16 November 2010
Investor's Risk Profile		Conservative
Fund Objective		To provide annual income to investors through investments in sukuk of companies in the infrastructure sector.

FEES & CHARGES
	Service Charge	Up to 0.25% of NAV per unit
	Repurchase Charge	NIL
	Annual Management Fee	0.75% per annum of the NAV
	Annual Trustee Fee	0.08% per annum of NAV, subject to a minimum fee of RM18,000 per annum.

UNIT TRANSACTION
	Buying & Selling	At NAV per unit (Forward Pricing). Upon the purchase of units of the fund by investors, a service charge of up to 0.25% is levied. The Manager does not impose a repurchase charge on the sale of units of the fund by investors.
	Minimum Initial Investment	RM1,000
	Minimum Additional Investment	RM100
more

Please click here to view the PROSPECTUS/INFORMATION MEMORANDUM.

You are advised to read and understand the contents of Investment Disclaimer before you proceed any further from this page.

#149

From: "k.parameswaran ramesh" <kparam77@...>
Date: Sun Nov 28, 2010 3:13 pm
Subject: WHY THE UNIT PRICE NOT GOING UP IN UNIT TRUST??.

kparam77

WHY THE UNIT PRICE NOT GOING UP IN UNIT TRUST??

Public saving Fund was launched on 29/03/1981

Now are 29th years since launched of this fund

Offer price during launched date =RM1.00

Current price as at 1/11/2010 =Rm0.7296 ( the price lower than offer price- this shows that the price is not going up than RM1.00 and lost money)

If an investor invest RM10, 000 on 29/03/1981 and if he sell back the units at RM0.7296 on 1/11/2010 = He will only get back RM7, 296.00

Actually this is wrong calculation and the investor is not lost the money but he gain profit more than 940%

Even though the current price is RM0.7296, the investment value of the investor is RM94,488.

If he let the money in Fix Deposit, He only get RM57,000

This is call CAPITAL GAIN / CAPITAL APPRECIATION + DISTRIBUTION/DIVIDEND

So, how it works?

Example (without service charge)

If offer price is RM1.00

Let say the price is gone up to RM1.10

The profit is RM0.10 (10%). (CAPITAL GAIN / CAPITAL APPRECIATION)

If the distribution or dividend is declared. The profit RM0.10 will be declared as distribution or dividends.

And if the profits are re-invest back, The Rm0.10 will convert back to units and top up with initially bought units. Units in investment start to grow.

After the distribution or dividends was given, the unit price will goes back to offer price (RM1.00) or nearest to offer price, depends how much dividend declaration.

This is what happening to Public saving fund, due to CAPITAL GAIN AND DIVIDENDS DECLARATION, even though the market price is RM0.7296, the investment value is RM94, 488.

The market price cannot be higher than offer price at all time. Assume offer price RM1.00 is gone up to RM2.00. New investors won’t buy the units because the price is too high. To maintain the price at offer price or nearest to offer price, Fund managers will declare the dividends, Bonus dividends or Bonus units, Units split.

All these are to maintain the unit price at cheaper price to attract more investors to buy the units at lower price.

NO DIVIDEND WILL BE GIVEN DURING MARKET DOWNTREND IF THE DISTRIBUTION POLICY IS INCIDENTAL. DIVIDENDS DURING MARKET UPTREND WILL DECIDE BY FUND MANAGER.

Some investors may think if the price is not goes up after a few years, they lost the money. The wrong understanding.

UNIT TRUST DESIGNED TO MAINTAIN AT OFFER PRICE, NEAREST TO OFFER PRICE OR AT LOWER PRICE AS POSSIBLE TO ATTRACT MORE INVESTORS.

Conclusion

Whenever dividends declared, the dividends will convert as units and top up with current units. After that, the price of units in market will be reduced

How to apply DOLLAR COST AVERAGING (DCA) and calculate own average unit price.

If an investor decide to invest regularly as follows;

No unit price invest total units

1^st RM1.00 RM1000 1000.00

2^nd RM.095 RM1000 1052.63

3^rd RM1.10 RM1000 909.09

4^th RM0.80 RM1000 1250.00

5^th RM0.70 RM1000 1428.00

6th RM1.20 RM1000 833.33

7^th RM0.95 0 0

The investor invest 6 times with total investment is RM6,000 and total accumulate units is 6473.05.

His own average unit price is RM6,000/6473.05 units = RM0.9269

Let’s say if the market price shows that RM0.95 (lower than 1^st price Rm1.00) and the investor decide to sell back the units at RM0.95.

THE INVESTORS OWN UNITS AVERAGE PRICE (RM0.9269) IS CHEAPER THAN MARKET PRICE (RM0.950)

BUY AT CHEAPER PRICE AND SELL IT AT HIGHER PRICE TO MAKE PROFITS.

The investors accumulate total units = 6473.05 and sell back at RM0.95 =

6473.05 X RM0.95 = RM6149.39

Profits,

RM6149.39 – RM6, 000(his Capital) = RM149.39

By applying this method, the investor will get the average price which lower than market price in long term.

If the same amount invest regularly,

if the unit price is high, will get less units,

if the unit price is cheap, will get more units.

Using this method will accumulate more units in market downtrend. So no worries about market downtrend, buy more units will give more profits when the market recovers.

DURING MARKET UPTREND, THE INVESTMENT WILL GIVE CAPITAL GAIN, DURING MARKET DOWNTREND, THE INVESTMENT VALUE WILL LOW. NO CAPITAL GAIN.

BUT THE INVESTOR STILL CAN CREATE WEALTH BY APPLYING DCA. BUY THE UNITS FOR CHEAPER PRICE AND ACCUMULATE MORE UNITS. THE INVESTOR WILL GET CAPITAL GAIN WHEN MARKET RECOVERS BACK.

THIS IS THE METHOD TO MAKE PROFITS IN UNIT TRUST.

Conclusion

The practicing DCA without worries about unit’s price, the investor can create wealth in long term.

Rgrds,

Parameswaran.K

http://www.unit- trust-4-u. blogspot. com/

If anybody interested to invest in Public mutual, You are welcome.

Parameswaran.K

Unit Trust Consultant

KL,Klang

017-8735029

-Minimum Investment RM1,000. Min Top Up – Rm100

- Can open under 2 names / Can open under corporate name.

- Free Insurance for selected Funds.

- No Cash – No worries, Use EPF Scheme.

- Just follow the investment rules, and make profits.

-Trust me that I can help you to create wealth for you.

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

A few type of retirement plan for those 25 years old now. Assume retirement age is 55.

All the figures calculated without services charge.

This is a 30 years plan.

Conservative = low risk

Moderate = Medium risk

Aggressive = High risk.

Below is the plans base on average return of 10% - consider medium to lower aggressive investors.

RM5,000,000. 00 (RM5MILLION) PLAN.

Initial investment = RM1,000.00

Monthly top up for 30 years = RM2500.00.

(RM2500 x 12 months x 30 years = RM900,000.00)

Total investment value = RM1,000 + RM900,000.00 = RM901,000.00

Profit = RM5,445,000 – RM901,000 = RM4,544,000.00

RM1,000,000. 00 (RM1MILLION) PLAN.

Initial investment = RM1,000.00

Monthly top up for 30 years = RM440.00.

(RM440 x 12 months x 30 years = RM158,400.00)

Total investment value = RM1,000 + RM158,400.00 = RM159,400.00

Profit = Rm1,000,000. 00 – RM159,400.00 = RM840,600.00

RM500,000 PLAN.

Initial investment = RM1,000.00

Monthly top up for 30 years = RM220.00.

(RM220 x 12 months x 30 years = RM79,200.00)

Total investment value = RM1,000 + RM79,200.00 = RM80,200.00

Profit = RM500,000.00 – RM80,200.00 = RM419,800.00

RM250,00.00 PLAN

Initial investment = RM1,000.00

Monthly top up for 30 years = RM110.00.

(RM220 x 12 months x 30 years = RM39,600.00)

Total investment value = RM1,000 + RM39,600.00 = RM40,600.00

Profit = RM250,000.00 – RM40,600.00 = RM209,400.00

SINCE MINIMUM TOP UP IS RM100.00, IF YOU OPEN AN ACCOUNT WITH INITIAL INVESTMENT RM1000.00 AND MONTHLY TOP UP IS RM100.00 FOR 30 YEARS WITH AVERAGE RETURN 10%. EXPECTED RETURN IS BITWEEN RM200,000.00 TO RM240,000.00.

XXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXX XXXXXXX

A few type of retirement plan for those 35 years old now. Assume retirement age is 55.

This is a 20 years plan.

Conservative = low risk

Moderate = Medium risk

Aggressive = High risk.

Below is the plans base on average return of 10% - consider medium to lower aggressive investors.

RM250,000.00 PLAN.

Initial investment = RM1,000.00

Monthly top up for 20 years = RM328.00

(RM328 x 12 months x 20 years = RM78,000.00)

Total investment value = RM1,000 + RM78,000.00 = RM79,000.00

Profit = Rm250,000.00 – RM79,000.00 = RM171,000.00

IF YOU OPEN AN ACCOUNT WITH INITIAL INVESTMENT RM1000.00 AND MONTHLY TOP UP IS RM100.00 FOR 20 YEARS WITH AVERAGE RETURN 10%. EXPECTED RETURN IS BEETWIN RM83,000.00 to RM90,000.00.

If anybody wants to invest and top up RM100.00 every 2 months ( meaning RM50.00 monthly), I can show you the way.SIKIT -SIKIT LAMA LAMA JADI BUKIT.

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

I came up with a beautiful plan for kids after read HOW TO MAKE YOUR CHILD A MILLIONAIRE from THE EDGE PERSONAL MONEY AUGUST 2010 EDITION.

I named this plan as PRE-RETIREMENT PLAN FOR KIDS. Parents can start this PRE-RETIRMENT for their children and when the time their children start working, the children can continue the monthly investment until reach 50 years old. Assume that retirement age is 55. When the child reach 50 years old, the child can monitor the market on their investment value for best time to sell back the units and exit from the market before 55 years old.

Example:

If a baby born today and a PRE-RETIREMENT PLAN can be start.

Open an account with RM1000.00 and monthly Top up is RM100.00 until the baby reach 50 years old. The fund risk profile can be moderate or aggressive. (aggressive is better since investment period is 50 years and more time to recover if market on bubbles)

Total invested amount = RM1,000 + (RM100 x 12 months x 50 years= RM60,000) = RM61,000

The return with average return 10% to 12% will be = Rm1.6MIL to RM3.5MIL.

The capital only RM61,000 and the return is more than RM1 Million.

*For those invest more than RM100,000.00 - You can enjoy Mutual Gold Benefits. go to http://www.publicmu tual.com. my/page.aspx? name=services- mutualgoldelite

*pls read and understand the MASTER PROSPECTUS about

the funds risks,service charge,switching, and others. go to http://www.publicmutual.com.my/page.aspx?name=prospectus_download

Education plan at www.pk31-edu.blogspot.com

Epf Scheme at www.pk31-epf.blogspot.com

I will brief, if you interested to know about Unit Trust. EVERYBODY DESERVE TO BE FINANCIAL FREEDOM.If you interested to know about Unit Trust Investment, just Call me/SMS me /Email me for free consultation.

Parameswaran. K @ (PK)
Unit trust Consultant/MFA
(people who likes helping people)
017-8735029
Klang,Shah Alam,PJ,KL @ all Malaysia.
http://www.publicmu tual.com. my/
kparam77@yahoo. com

#150

From: "k.parameswaran ramesh" <kparam77@...>
Date: Mon Nov 29, 2010 9:36 am
Subject: FREE Pre-Launch Opportunity in Malaysia & Singapore - its free registration.

kparam77

Hi Frends ,

You may want to view a very exciting opportunity that is under pre-launch in Malaysia & Singapore, this opportunity is amazing, and you can grab a top position FREE of charge during our pre-launch enrolment. You will also have your OWN FREE version of this website to help you build your team prior to our massive ad campaign starting Jan4th in Malaysia…and are PRE-LAUNCH meeting Jan 29th-30th please check the website. http://www.prelaunchmalaysia.com/growmoney

^{Kind Regards}
Parameswaran.K

017-8735029

Reply | Messages in this Topic (3)

#151

From: "k.parameswaran ramesh" <kparam77@...>
Date: Tue Nov 30, 2010 2:00 am
Subject: Re: FREE Pre-Launch Opportunity in Malaysia & Singapore - its free registration.

kparam77

just try it, its free registration,

^{Kind Regards}
Parameswaran.K

017-8735029

Reply | Messages in this Topic (3)

#152

From: "k.parameswaran ramesh" <kparam77@...>
Date: Thu Dec 2, 2010 1:26 am
Subject: Re: FREE Pre-Launch Opportunity in Malaysia & Singapore - its free registration.

kparam77

www.prelaunchmalaysia.com

I receive email from Prelaunch team;

For those haven't register, pls do it as the first will be in the top.

To register pls go to http://www.prelaunchmalaysia.com/growmoney

-------------------------------------------------------------------

Dear Parameswaran

A BIG Welcome to you, and thank you for joining Prelaunch Malaysia

This will be the first of many emails you will receive in the build up to our January 4th 2011

launch, We intend to give you as much support as we can to help you build and develop

a HUGE income on a Global scale

We hope you enjoy our style of conversation, our aim is to cut through the hype, and deliver

to you solid information and support.

We have the perfect Global opportunity, an amazing compensation plan, and support

system that is going to drive your business forward unlike anything you have seen before

Your Role Now?

Simple, prior to our launch on January 4th you need to drive as many people as you can to

your OWN Prelaunch Malaysia website, this is the key for you to benefit from one of

9 income streams you will be able to enjoy, the more people you personally enrol the

bigger the business..the bigger your income.

The more you promote YOUR Malaysian website..the more people you will have under you,

use Google, Facebook, Twitter, forum groups, chat rooms, internet clubs, MLM leaders,

MLM groups....anything to do with Malaysia...just google it....the whole world is at your

fingertips with google and the social media sites.

January 4th 2011

On January 4th we will start to share with you the full opportunity, you will be able to view

in-depth the huge potential you have with this amazing business. Those of you that take up

this internet based business will be given FREE of charge two very powerful websites, if you like

your Prelaunch Malaysian website, then you will love the next ones.

Keeping your TOP position

You have by enrolling with PreLaunch Malaysia secured a TOP position before we go live, and we

want you to KEEP that TOP position, so we will be ensuring that this position is held for you for,

this will ensure that those that have personally enrolled via your website will be part of YOUR business.

We will be moving fast with FULL enrolment after January 4th, so you will need to be ready to

fully evaluate the opportunity after this date, the advantage for you in moving fast is more and

more people will be joining into the business below you and you will be able to profit from all that join.

We will be running a huge National ad campaign in Malaysia through January 2011, we anticipate

a huge response to the exciting business, as these people take up the opportunity,

they will be part of YOUR business.

Malaysia Meetings 28th, 29th & 30th January

We will be holding a series of opportunity meetings in Kuala Lumpur, you are invited to attend if you

are based in Malaysia, and if you are not don't worry, we can still support you efforts in Malaysia

(see below)

Here is a TOP TIP

Prior to our meetings in KL, focus on Malaysian contacts, MLM leaders, business people,

etc,etc, this can pay BIG dividends in the months to come, the people of Malaysia are warm,

friendly and our excellent networkers.

Once you are on board with the full opportunity, you can send your Malaysian contacts along to our

meetings in KL and we will take care of them for you, and sign them into YOUR business for you.

This is a Global Opportunity

While we are talking about Malaysia, this is a Global Opportunity, we will be working with you

to take YOUR business to every country, we are putting something together so unique

it will enable you to build a true Global Income, never has this been done, and it could well change

the face as to how we build our teams...COMING SOON

In the mean time, share YOUR website with as many people as you can AROUND THE WORLD.

Remember the BIG money will come from personal enrolment,

We are looking forward to working with and taking you to the TOP in 2011

Regards

The Team

Prelaunch Malaysia

From: k.parameswaran ramesh <kparam77@...>
To: SahabatInteraktif@yahoogroups.com; kelabbisnesonline@yahoogroups.com; 1malaysia@yahoogroups.com; dpsworldclass@yahoogroups.com; relaxjap@yahoogroups.com; mykerjaya@yahoogroups.com; usahawan_melayu@yahoogroups.com; malaysia_bo_leh_gel@yahoogroups.com; shoppingnsales@yahoogroups.com; global-money@yahoogroups.com; melayu-trade@yahoogroups.com; UPM_ISA@yahoogroups.com; KENALAN-ABADI@yahoogroups.com; MLM_melayu@yahoogroups.com; growmoney77@yahoogroups.com; grow.money77@...; growmoney77@yahoogroups.com
Sent: Mon, November 29, 2010 5:36:43 PM
Subject: FREE Pre-Launch Opportunity in Malaysia & Singapore - its free registration.

^{Kind Regards}
Parameswaran.K

017-8735029

Reply | Messages in this Topic (3)

#153

From: "k.parameswaran ramesh" <kparam77@...>
Date: Thu Dec 2, 2010 8:33 am
Subject: Latest updates as 02/12/2010 - Public Mutual declares distributions for 6 funds

kparam77

Closure of Sales for Public Islamic Sector Select Fund (The units in the fund
almost fully subscribed)

We wish to inform that Public Islamic Sector Select Fund (PISSF) will be closed
for sales with effect from 29 November 2010 (Monday). We will continue to
process investments from existing Direct Debit and Regular Investment
instructions.

Following the above, investors may consider investing in our newly launched
Public Islamic Alpha-40 Growth Fund (PIA40GF) which aims to achieve capital
growth by investing in stocks which comply with Shariah requirements. PIA40GF
will invest in up to a maximum of 40 stocks that comply with Shariah
requirements in the domestic market. To achieve increased diversification, the
fund may invest up to 30% of its net asset value in selected foreign markets.

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The affects after the distributions.

1. Investment value;

a) Same if re-invest the distribution.

b) Will less if distributions taken as cash.

2.Units :

a) Will grow if re-invest the distributions.

b) Same if profit taken as cash.

3.Unit price, will be less than the price before distributions.

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Public Mutual declares distributions for 6 funds

Public Bank’s wholly-owned subsidiary, Public Mutual, declares distributions for

six of its funds. The total gross distributions declared for the financial year
ended 30 November 2010 are as follows:
Fund Gross Distribution / Unit
Public Select Alpha-30 Fund 2.50 sen per unit
Public Natural Resources Equity Fund 1.50 sen per unit
Public Far-East Dividend Fund 0.50 sen per unit
Public Islamic Balanced Fund 1.00 sen per unit
Public Islamic Sector Select Fund 1.00 sen per unit
Public Islamic Asia Leaders Equity Fund 0.75 sen per unit

According to The Edge-Lipper Fund Table dated 22 November 2010, Public Select
Alpha-30 Fund and Public Natural Resources Equity Fund have generated one-year
returns of 15.81% and 12.10% respectively for the period ended 12 November 2010.

At the same time, Public Far-East Dividend Fund recorded a one-year return of
6.97%.

Meanwhile, both Public Islamic Balanced Fund and Public Islamic Sector Select
Fund, which are open for EPF Members Investment Scheme, also recorded double
digit one-year returns of 11.08% and 32.73% respectively for the period ended 12

November 2010. Public Islamic Asia Leaders Equity Fund, which was launched in
January this year, generated a six-month return of 9.67% for the period ended 12

November 2010.

All of the above funds are distributed by Public Mutual unit trust consultants.
Public Mutual is Malaysia’s largest private unit trust company with 82 funds
under management. It has over 2,320,000 account holders and as at 29 October
2010, the total net asset value of the funds managed by the company was RM40.2
billion.

--------------------------------------------------------------------------------------------------------------------------------
For your information.

Investors should have more units in investment to get more returns.

Gross Distribution for Public Select Alpha-30 Fund is RM0.025 per units.(High
risk - Aggressive Fund).

This Fund was launched on 07/04/2009 and already gave
distribution RM0.0075 per unit for the financial year 30/11/2009.(Last year)

This example is for better understanding as I didn't include last year given
distribution.(RM0.0075 per unit)
If an investor invested RM264,000 when the fund was launched.
Initial offer price is Rm0.25
Total units purchased = 1,000,000 (1MIL) units.(After deduct the service charge)

Pls be informed that, Not necessary to buy the units 1 time to get 1MIL units.
The accumulation of units can be done by re-invest the distribution/dividends
and practice regular investment.(Dollar cost Average)

If the investor have 1,000,000 (1MIL) units.
His gross distribution or dividends for his 1MIL units are 1,000,000 X RM0.025 =
RM25,000

This is only gross distribution, the capital gain will give higher return as the
latest price for this fund as at 01/12/2010 is RM0.3316.
Current investment value for RM264,000 as at 01/12/2010 is RM365,615.00 .

Capital Gain = RM365,615 - RM 264,000 = RM101,615 (38%)

If the money put in FD = Current return as at 1/12/2010 = RM275,330

Capital gain = RM275,330 - RM264,000 = RM11,330 (4.2% only)*

*= 12-Month FD Average 2009 - 2.5% / 2010 - 3.0%

So, What the investor should do now;
1.He may take the profits. (This will effect the compounding interest in future)

2. He may take capital which is RM264,000 and let balance in investment. (This will effect the compounding interest in future)

3. He may sale back all the units for RM365,615 and exit from market.
4.Just leave it for long term to accumulates more units or capital gain as per plan for retirement or education.(Compounding interest work for his money).

The investment value will follows the market trends. If the market trend
goes down, The total investment value will be goes down as well (Capital Loss) and also the
distributions of units will be effected because of this.

Whats the investor should do if market goes downtrend.

1.Do not Panic.
2.If the investor happy with current returns, he may exit from market with profits.
3.Practice dollar cost average to accumulates more units.

4.He may switch the fund to a low risk fund to manage the risk.T & C apply.

Actually there is way to create wealth during market downtrend as I explained
below.

WHY THE UNIT PRICE NOT GOING UP IN UNIT TRUST??

Public saving Fund was launched on 29/03/1981
Now are 29th years since launched of this fund
Offer price during launched date =RM1.00
Current price as at 1/11/2010 =Rm0.7296 ( the price lower than offer price- this
shows that the price is not going up than RM1.00 and lost money)
If an investor invest RM10, 000 on 29/03/1981 and if he sell back the units at
RM0.7296 on 1/11/2010 = He will only get back RM7, 296.00
Actually this is wrong calculation and the investor is not lost the money but he
gain profit more than 940%
Even though the current price is RM0.7296, the investment value of the investor
is RM94,488.
If he let the money in Fix Deposit, He only get RM57,000
This is call CAPITAL GAIN / CAPITAL APPRECIATION + DISTRIBUTION/DIVIDEND

So, how it works?
Example (without service charge)
If offer price is RM1.00
Let say the price is gone up to RM1.10
The profit is RM0.10 (10%). (CAPITAL GAIN / CAPITAL APPRECIATION)
If the distribution or dividend is declared. The profit RM0.10 will be declared
as distribution or dividends.
And if the profits are re-invest back, The Rm0.10 will convert back to units
and top up with initially bought units. Units in investment start to grow.
After the distribution or dividends was given, the unit price will goes back to
offer price (RM1.00) or nearest to offer price, depends how much dividend
declaration.

Or, if RM0.05, declared as distribution. (Distributions will be decide by Fund Managers), the price will be reduced to RM1.05 after declaration.

This is what happening to Public saving fund, due to CAPITAL GAIN AND DIVIDENDS
DECLARATION, even though the market price is RM0.7296, the investment value is
RM94, 488.
The market price cannot be higher than offer price at all time. Assume offer
price RM1.00 is gone up to RM2.00. New investors won’t buy the units because the
price is too high. To maintain the price at offer price or nearest to offer
price, Fund managers will declare the dividends, Bonus dividends or Bonus units,
Units split.
All these are to maintain the unit price at cheaper price to attract more
investors to buy the units at lower price.

NO DISTRIBUTION OR DIVIDEND WILL BE GIVEN DURING MARKET DOWNTREND IF THE DISTRIBUTION POLICY IS
INCIDENTAL.

HOW MUCH THE DISTRIBUTIONS WILL DECIDE BY FUND MANAGER.

Some investors may think if the price is not goes up after a few years, they
lost the money. The wrong understanding.

UNIT TRUST DESIGNED TO MAINTAIN AT OFFER PRICE, NEAREST TO OFFER PRICE OR AT
LOWER PRICE AS POSSIBLE TO ATTRACT MORE INVESTORS.

Conclusion
Whenever dividends declared, the dividends will convert as units and top up with
current units. After that, the price of units in market will be reduced

How to apply DOLLAR COST AVERAGING (DCA) and calculate own average unit price.
If an investor decide to invest regularly as follows;
No          unit price            invest                   total units
1st           RM1.00                RM1000               1000.00
2nd          RM.095                RM1000               1052.63
3rd          RM1.10                RM1000               909.09
4th          RM0.80                RM1000               1250.00
5th          RM0.70                RM1000               1428.00
6th         RM1.20                RM1000               833.33
7th          RM0.95                0                            0
The investor invest 6 times with total investment is RM6,000 and total
accumulate units is 6473.05.
His own average unit price is RM6,000/6473.05 units = RM0.9269
Let’s say if the market price shows that RM0.95 (lower than 1st price Rm1.00)
and the investor decide to sell back the units at RM0.95.
THE INVESTORS OWN UNITS AVERAGE PRICE (RM0.9269) IS CHEAPER THAN MARKET PRICE
(RM0.950)
BUY AT CHEAPER PRICE AND SELL IT AT HIGHER PRICE TO MAKE PROFITS.
The investors accumulate total units = 6473.05 and sell back at RM0.95 =
6473.05 X RM0.95 = RM6149.39
Profits,
RM6149.39 – RM6, 000(his Capital) = RM149.39

By applying this method, the investor will get the average price which lower
than market price in long term.

If the same amount invest regularly,
if the unit price is high, will get less units,
if the unit price is cheap, will get more units.
Using this method will accumulate more units in market downtrend. So no worries
about market downtrend, buy more units will give more profits when the market
recovers.

DURING MARKET UPTREND, THE INVESTMENT WILL GIVE CAPITAL GAIN, DURING MARKET
DOWNTREND, THE INVESTMENT VALUE WILL LOW (CAPITAL LOSS). NO CAPITAL GAIN.
BUT THE INVESTOR STILL CAN CREATE WEALTH BY APPLYING DCA. BUY THE UNITS FOR
CHEAPER PRICE AND ACCUMULATE MORE UNITS. THE INVESTOR WILL GET CAPITAL GAIN WHEN
MARKET RECOVERS BACK.
THIS IS THE METHOD TO MAKE PROFITS IN UNIT TRUST.
Conclusion
The practicing DCA without worries about unit’s price, the investor can create
wealth in long term.

Rgrds,
Parameswaran.K
www.grow-money77.blogspot.comIf anybody interested to invest in Public mutual,
You are welcome.
Parameswaran.K
Unit Trust Consultant
KL,Klang
017-8735029
-Minimum Investment RM1,000. Min Top Up – Rm100
- Can open under 2 names / Can open under corporate name.
- Free Insurance for selected Funds.
- No Cash – No worries, Use EPF Scheme.
- Just follow the investment rules, and make profits.
-Trust me that I can help you to create wealth for you.

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
A few type of retirement plan for those 25 years old now. Assume retirement age
is 55.
All the figures calculated without services charge.

This is a 30 years plan.
Conservative = low risk
Moderate = Medium risk
Aggressive = High risk.

Below is the plans base on average return of 10% - consider medium to lower
aggressive investors.
RM5,000,000. 00 (RM5MILLION) PLAN.
Initial investment = RM1,000.00
Monthly top up for 30 years = RM2500.00.
(RM2500 x 12 months x 30 years = RM900,000.00)
Total investment value = RM1,000 + RM900,000.00 = RM901,000.00
Profit = RM5,445,000 – RM901,000 = RM4,544,000.00

RM1,000,000. 00 (RM1MILLION) PLAN.
Initial investment = RM1,000.00
Monthly top up for 30 years = RM440.00.
(RM440 x 12 months x 30 years = RM158,400.00)
Total investment value = RM1,000 + RM158,400.00 = RM159,400.00
Profit = Rm1,000,000. 00 – RM159,400.00 = RM840,600.00

RM500,000 PLAN.
Initial investment = RM1,000.00
Monthly top up for 30 years = RM220.00.
(RM220 x 12 months x 30 years = RM79,200.00)
Total investment value = RM1,000 + RM79,200.00 = RM80,200.00
Profit = RM500,000.00 – RM80,200.00 = RM419,800.00

RM250,00.00 PLAN
Initial investment = RM1,000.00
Monthly top up for 30 years = RM110.00.
(RM220 x 12 months x 30 years = RM39,600.00)
Total investment value = RM1,000 + RM39,600.00 = RM40,600.00
Profit = RM250,000.00 – RM40,600.00 = RM209,400.00

SINCE MINIMUM TOP UP IS RM100.00, IF YOU OPEN AN ACCOUNT WITH INITIAL INVESTMENT
RM1000.00 AND MONTHLY TOP UP IS RM100.00 FOR 30 YEARS WITH AVERAGE RETURN 10%.
EXPECTED RETURN IS BITWEEN RM200,000.00 TO RM240,000.00.

XXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXX
XXXXXXXXXXXXXXXX XXXXXXX

A few type of retirement plan for those 35 years old now. Assume retirement age
is 55.

This is a 20 years plan.
Conservative = low risk
Moderate = Medium risk
Aggressive = High risk.

Below is the plans base on average return of 10% - consider medium to lower
aggressive investors.

RM250,000.00 PLAN.
Initial investment = RM1,000.00
Monthly top up for 20 years = RM328.00
(RM328 x 12 months x 20 years = RM78,000.00)
Total investment value = RM1,000 + RM78,000.00 = RM79,000.00
Profit = Rm250,000.00 – RM79,000.00 = RM171,000.00

IF YOU OPEN AN ACCOUNT WITH INITIAL INVESTMENT RM1000.00 AND MONTHLY TOP UP IS
RM100.00 FOR 20 YEARS WITH AVERAGE RETURN 10%. EXPECTED RETURN IS BEETWIN
RM83,000.00 to RM90,000.00.

If anybody wants to invest and top up RM100.00 every 2 months ( meaning RM50.00
monthly), I can show you the way.SIKIT -SIKIT LAMA LAMA JADI BUKIT.
XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

I came up with a beautiful plan for kids after read HOW TO MAKE YOUR CHILD A
MILLIONAIRE from THE EDGE PERSONAL MONEY AUGUST 2010 EDITION.

I named this plan as PRE-RETIREMENT PLAN FOR KIDS. Parents can start this
PRE-RETIRMENT for their children and when the time their children start
working, the children can continue the monthly investment until reach 50 years
old. Assume that retirement age is 55. When the child reach 50 years old, the
child can monitor the market on their investment value for best time to sell
back the units and exit from the market before 55 years old.

Example:
If a baby born today and a PRE-RETIREMENT PLAN can be start.

Open an account with RM1000.00 and monthly Top up is RM100.00 until the baby
reach 50 years old. The fund risk profile can be moderate or aggressive.
(aggressive is better since investment period is 50 years and more time to
recover if market on bubbles)

Total invested amount = RM1,000 + (RM100 x 12 months x 50 years= RM60,000) =
RM61,000
The return with average return 10% to 12% will be = Rm1.6MIL to RM3.5MIL.

The capital only RM61,000 and the return is more than RM1 Million.

*For those invest more than RM100,000.00 - You can enjoy Mutual Gold Benefits.
go to http://www.publicmu tual.com. my/page.aspx? name=services- mutualgoldelite

*pls read and understand the MASTER PROSPECTUS about
the funds risks,service charge,switching, and others. go to
http://www.publicmutual.com.my/page.aspx?name=prospectus_download

Education plan at www.pk31-edu.blogspot.com
Epf Scheme at www.pk31-epf.blogspot.com

I will brief, if you interested to know about Unit Trust. EVERYBODY DESERVE TO
BE FINANCIAL FREEDOM.If you interested to know about Unit Trust Investment, just
Call me/SMS me /Email me for free consultation.

Parameswaran. K @ (PK)
Unit trust Consultant/MFA
(people who likes helping people)
017-8735029
Klang,Shah Alam,PJ,KL @ all Malaysia.
http://www.publicmu/ tual.com. my/
kparam77@yahoo. com

http://www.unit- trust-4-u. blogspot. com/

--------------------------------------------------------------------------------------------------------------

“WHAT ACTUALY I’M DOING IS HELPING AND GUIDING MY CLIENTS TO GROW THEIR MONEY AND ACHIEVE THEIR LONG TERM FINANCIAL GOALS BY INVESTING IN PUBLIC MUTUAL.

I’M NOT GOING TO SELL ANY UNIT TRUST UNTIL YOU FULLY UNDERSTAND ABOUT THIS INVESTMENT.”

Due to inflation, all the prices and expenses are going up. Medical expenses is going up. Cost of living is going up. Cost of Education is going up. And no ending for this problems. We need to look for the way to overcome the inflation in future.

As every Financial Planners advised, everybody need to put a portion of the income in the name of saving or investment without touching it for long term, Let the compounding interest work for the money and give high returns. . Average inflation in Malaysia is 3%.

The money we put in bank(Fix Deposit) is not capable to fight the inflation, where the return of Fix Deposit only 3% -5%.

EPF average return is only 5% - 6% only.

One of the better way to get more returns is by saving or investing the monies in Public Mutual/ Public Bank. Where you able to get the returns 10% or more. I would like to introduced Public Mutual Unit Trust Investment to You. Where you can make higher returns compare with Fix Deposit and EPF.

To make it short and simple for u to understand. The value of money in public mutual will up and down follows the market. but it will definitely will give high returns in long term compare with FD and EPF.

Market history shows that whenever market goes down, it will recover back and whenever market goes up, it will goes down.

The most important, put the money in P.Mutual, let the money grow and exit from P.mutual with profits with a proper plan.

If you give me an appointment, I will brief you about;

- Brief you about the risks & how to manage it.

- Brief about Funds & its risk factor or profiles.

- The service charges.

- How to accumulates the units as the more units will give more returns?

- How to calculates your average unit price? Your average unit price should be cheaper than market price to give you profits?

- How to calculate the profits in long term?

- How to make money whenever see the profits?

- Why the dividend declares and how? and what will happen to the unit price after dividend declared?

- How to make use when market down/ when the price goes down?

- How to compare the returns between P.Mutual-FD-EPF?

- How to apply DOLLAR COST AVERAGE? And Rule 72?

- How to monitor your investment online? You can see your investment status daily.

- Draw a plan for you within your budget.(EPF or CASH)

- Safety of your Investment. You may have join acc holder for cash investment or Nominee services.

- Service after sales.

- How to protect your investment? Free Insurances for Selected FUNDS.

- FAQ

- and others important info's.

Maybe some people said that don't invest in public mutual and you Will lost the money. Yes, I have to agree this as this may happen for an improper investment planning.

To be honest to you, this won't be happen by applying a proper planning, and I'm capable to draw a plan for you. If everybody lost the money, Public Mutual already closed. Actually there is a way to make profits.

My Clients are Start benefiting already.

To be honest, You can create wealth for both during market uptrend and during market downtrend.

We are No 1 private unit trust management company in Malaysia, Operated for 35 yrs. Current total Fund size as at Sept 30,2010 is RM39 Billions with more than 2.3 Million account holders

You can make use 20% of your EPF Acc1 to invest in Public Mutual.

pls go to www.pk31-epf.blogspot.com

You can make use this as to create a retirement plan for your future.

pls go to www.pk31-retire.blogspot.com

You can make use this as Education Plan for your beloved kids.

pls go to www.pk31-edu.blogspot.com

Or, You just make use this as Saving Plan and get high return CASH value for your hard earn money.

Let the money work hard for you.

Yours RM100.00 monthly will make BIG different in long term and it was proven in Public Mutual. Or,

Yours 1 time investment RM1000.00 will make BIG different in long term and it was proven in Public Mutual

To be honest to you, Every investment comes with RISK, Same goes to this investment, but I will make sure you will make profits with my guidance’s.

A PROPER PLANNING WILL NOT FAIL THE INVESTORS IN PUBLIC MUTUAL.

If you interested, you may contact me for free consultation. You not need to save/invest if you don't understand about this.

I know you are very busy with your work. but if you don't mind, if you give me an appointment, I will brief you how to benefits from this investment.

Pls be informed that, this is for your OWN benefits.

If you a Facebook user,

I have created a useful page called grow money community and post some useful messages about unit trust investment and others.

You may visit my page and if you feel the page is useful, please click the like button and please invite your friends by suggest to them.

The page is http://www.facebook.com/pages/Grow-Money-Community/139336122774604

Maybe You already invest in public Mutual or doing other saving/investment. If you feel that this email is useful. I will appreciate if you could help me to forward to your friends.

tq,

Parameswaran.K

Public Mutual Berhad

Klang,KL.

017-8735029

EVERYBODY DESERVE TO BE FINANCIAL FREEDOM

My other related blogs.

www.unit-trust-4-u.blogspot.com

www.grow-money77.blogspot.com

Bahasa Malaysia - www.cara-menguruskan-wang.blogspot.com

#154

From: "k.parameswaran ramesh" <kparam77@...>
Date: Fri Dec 3, 2010 1:25 am
Subject: Golden Palm Growers Scheme ("GPGS") - Be a profitable share holder in a Oil Palm Plantation.

kparam77

Golden Palm Growers Scheme ("GPGS") - Be a profitable share holder in a Oil Palm Plantation.

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Guaranteed 6% annual return for 1^st 6 development years and for the next 17 years, The return base on CPO price as follows.

If the Price Below RM1000.00 = 0% return

If the Price Rm1000.00 – RM1500.00 = 6% Return

If the Price exceed Rm1500.00 = 9% Return

The higher the CPO Price, The higher the Return.

The CPO price never below than RM1000.00 for the past 5 years even during market crisis 2008/2009.

The return for the 1^st 6 years is Guaranteed 6% which is much better than Fix Deposit return. The investor can benefits the return and may exit from this scheme with capital after 6^th year.

Will My Investment Be Safeguarded?

Absolutely. That’s because:

1.The Goldem Palm Growers Scheme is approved under The Companies Act, 1965.

2.The guardian of investor interests is AmTrustee berhad – a reputable, licensed trustee and member of the AmInvestment Bank group.

3.The company’s profits are audited by the renowned international audit firm Ernst & Young.

4.An independent planting advisor will conduct a review of plantation operations twice a year.

---------------------------------------------------------------------------------------------------------

An opportunity for us to invest in an palm oil plantation and truly enjoy the profit upside potential.

Now everybody can invest in Palm Oil Plantation as this scheme designed to benefit to all Malaysians.

This Scheme is applicable for foreigners.

Summary of this scheme;

The Management Company : Golden Palm Growers Berhad.Company No.762196-T. Formerly known as SPC Sawit Sdn Bhd.

The Management Company is principally engaged in plantation development and cultivation of fresh fruit bunches and will operate and manage the scheme.

The management Company entered into the Palm Oil Plantation. The Management Company will Offer to the public only 70% of the Grower Plots and it will remain 30% of the Grower Plots.

Directors : 1.Phang Tuck Keong – Executive Chairman.

2.Lim Cheong Chai – Chief Executive Officer

3.Ezani Bin Abu Bakar – Independent Director

4.Rosli Bin Abd Shukor – Independent Director

5.Leong Wei Choo – Director

Shareholders : 1.Sterling Plantations Sdn Bhd(99.66%),

2.Saham Bangga Sdn Bhd(0.30%)

3.Lim Cheong Chai(0.04%)

Name of Scheme: Golden Palm Growers Scheme.

Marketing Company: Golden Palm Marketing Sdn Bhd.

Auditors: Ernst & Young.

Solicitors : Zul Rafique & Partners.

Independent Consultant : Agriculturist Incorporated Development Sdn Bhd.

Scheme type : Share farming interest scheme established pursuant to Division 5 of Part IV of the Companies Act 1965.

Type of interest (Grower Plot) : Interest relating to a quarter (1/4) acre of the Plantation entitling the holder to the Net Yield.

Size of Plantation: 7,000 acres and may increase additional 3,000 acres in future.

Total No of Grower Plots: 28,000(70%=19,600 & 30%=8,400)

Launch by / Date – YB Dato’ Sri Mustapa Bin Mohamad, The Minister of International Trade & Industry on 20^th August 2010 at Hilton KL.

Offer Period – 6 Months.

Grower’s Fee =1 plot = ¼ acre = RM7000.00

Agreement Fees = RM20.00

Net Yield(Return) : First Phase – guaranteed Net Yield of 6% per annum of the Grower’s Fee.

The management Company may offer to pay a bonus yield. Terms and Conditions applied.

Second Phase: based on audited net profits of the plantation with minimum return based on average crude palm oil prices.

Transfer of Grower Plots : Freely transferable after a periods of 12 months.The investor Can have join holder during application.

Repurchase of Grower Plots: the management company will repurchase Grower Plots at the request of a grower during the second Phase.

Location: Gua Musang, Kelantan

How save this Investment?:– AmTrustee is appointed as Trustee for this scheme.

Scheme period / Maturity : 23 years and may continue for 2^nd cycle if investors agreed.

Expiry or termination of Scheme: The Scheme will expire on the Maturity Date unless early termination is triggered.

Payment on expiry or termination : The investor will receive his proportionate share of the net sale proceeds of that part of the Plantation Concession relating to the Plantation.

Cooling-Off Period : 10 days

What is Golden Palm Growers Scheme?

The planting of oil palm seedlings has commenced, with about 28,000 palms having been planted as of 30^th June 2010.

How Will I Benefits By Participating In The Scheme?

You’ll enjoy:

1.A guaranteed return on investment of 6% per annum for the first 6 development years.

2.100% of audited net profits to be distributed for next 17 years with minimum 9% p.a. if crude palm oil price exceed RM1500.00/mt*

3.Potential upside on maturity in 23 years.

4.Downside risk mitigated by Scheme features.

5.Profits audited by international audit firm Ernst & Young.

6.A buy-back guarantee at full price after 6 years.

7.A share in any capital appreciation upon the scheme’s maturity.

8.The opportunity to extend ownership for another 23 years upon the scheme’s maturity.

9.Ease in transferring plots to any beneficiary after the first 12 months.

10. In year 19, the company will give you the opportunity of extending the scheme beyond 23 years through a replanting program.

11.Growers Plots are freely transferable after 12 months.

12.When all Grower Plots have been sold, We will establish a mechanism to facilitate trading of grower plots.

Is This The Best Choice of Investment For Me?

If you’re eyeing an investment that affords you long-term returns, the answer is:Definitely. Here’s why:

1.The international palm oil industry is booming, and the price of crude palm oil (CPO) has been rising over the years.

2.This scheme offers a higher rate of return compared to what can be gained from bank’s fixed deposit rates.

3.Plots are easily transferrable to any beneficiary after the first 12 months.

4.Compared to other investment, this venture is highly affordable; offering expectations of higher yield over the long-term.

What Are This Company’s Credentials?

If anybody interested to take this opportunity,

Go to www.goldenpalm.com.my and read as follows;

1.Company Profile. very important

2.Board of Directors & their profile. very important

3.Strategic Partners. very important

4.why invest? very important

5.How to become a grower. very important

6.Photo Gallery. very important

7.E-Prospectus. very important

8.E-Brochure. very important

9.Press & Industry News. very important

10.FAQ. very important

11.Investing in the Future. very important

12.CPO Prices, Trends & Others. very important

13.Growers management Agreement (At download) very important

call/reply me if u interested/ further discussions

rgrds,

PK,

017-8735029

Golden Palm Growers Berhad.

Starbiz: http://biz.thestar.com.my/news/story.asp?file=/2010/8/21/business/6896580&sec=business

Saturday August 21, 2010

Golden Palm to raise RM137mil from scheme

KUALA LUMPUR: Golden Palm Growers Bhd (GPGB) is targeting to raise RM137mil from its Golden Palm Growers Scheme which offers returns from an oil palm plantation in Gua Musang, Kelantan.

Executive chairman Andrew Phang said the initial offer price for each grower plot was RM7,000 and the company had designated 7,000 acres in the investment scheme.

“The management company may also include an additional 3,000 acres in the future,” Phang said at the launch of the scheme yesterday.

“Upon expiry of the scheme in 23 years, investors will share in any capital appreciation of the plantation,” Phang said.

“For the next 17 years, an investor will share in the total profit of the plantation as 100% of the audited net profit will be distributed,” he said. — Bernama

#155

From: "k.parameswaran ramesh" <kparam77@...>
Date: Sun Dec 5, 2010 3:03 pm
Subject: Petrol price, Gas price, Sugar Price gone up again. CHOOSE SMART WAY.

kparam77

Petrol price, Gas price, Sugar Price gone up again. Beat the inflation in SMART WAY by choosing Public Mutual FOR YOUR Future.

----------------------------------------------------------

A Proven regular investment using Dollar Cost Average(DCA) method by Public Mutual as follows;

A few type of retirement plan for those 35 years old now. Assume retirement age
is 55.

This is a 20 years plan.
Conservative = low risk
Moderate = Medium risk
Aggressive = High risk.

Below is the plans base on average return of 10% - consider medium to lower
aggressive investors.

RM250,000.00 a 20 years PLAN.(with public mutual with average return 10%)
Initial investment = RM1,000.00
Monthly top up for 20 years = RM328.00
(RM328 x 12 months x 20 years = RM78,000.00)
Total investment value = RM1,000 + RM78,000.00 = RM79,000.00
Profit = Rm250,000.00 – RM79,000.00 = RM171,000.00

If an investor follow this plan in public saving fund start on 01/01/1990.

Current value as at 1/12/2010 is RM260,000.

If an investor follow this plan in FD start on 01/01/1990.

Current value as at 1/12/2010 is RM137,000 Only.

Current 12-Month FD Average is 3.0% (2010)

In FD with average return 3%, need to put RM750.00 monthly for 20 years to get RM250,000.

You can save RM422.00 monthly if you save/invest your money in Public Mutual.

In FD with average return 4%, need to put RM670.00 monthly for 20 years to get RM250,000.

You can save RM342.00 monthly if you save/invest your money in Public Mutual.

Can you see the difference?

The HIGHER the Initial investment, The LOWER the Monthly Top up for any PLAN.
The EARLIER you start, the LOWER the monthly TOP UP, the HIGHER the returns.
Minimum Monthly top up as low as RM100.00
---------------------------------------------------------------------------------------------------

A few type of retirement plan for those 25 years old now. Assume retirement age
is 55.
All the figures calculated without services charge.

This is a 30 years plan.
Conservative = low risk
Moderate = Medium risk
Aggressive = High risk.

Below is the plans base on average return of 10% - consider medium to lower
aggressive investors.
RM5,000,000. 00 (RM5MILLION) PLAN.
Initial investment = RM1,000.00
Monthly top up for 30 years = RM2500.00.
(RM2500 x 12 months x 30 years = RM900,000.00)
Total investment value = RM1,000 + RM900,000.00 = RM901,000.00
Profit = RM5,445,000 – RM901,000 = RM4,544,000.00

If an investor follow this plan in public saving fund start on 29/03/1981.

Current value as at 1/12/2010 is RM4.6MIL

If an investor follow this plan in FD start on 29/03/1981.

Current value as at 1/12/2010 is RM2.0MIL Only.

Current 12-Month FD Average is 3.0% (2010)

In FD with average return 3%, need to put RM8800 monthly for 30 years to get RM5MIL.

You can save RM6300.00 monthly if you save/invest your money in Public Mutual.

In FD with average return 4%, need to put RM7200 monthly for 30 years to get RM5MIL.

You can save RM4700.00 monthly if you save/invest your money in Public Mutual.

Can you see the difference?

RM1,000,000. 00 (RM1MILLION) PLAN.
Initial investment = RM1,000.00
Monthly top up for 30 years = RM440.00.
(RM440 x 12 months x 30 years = RM158,400.00)
Total investment value = RM1,000 + RM158,400.00 = RM159,400.00
Profit = Rm1,000,000. 00 – RM159,400.00 = RM840,600.00

If an investor follow this plan in public saving fund start on 29/03/1981.

Current value as at 1/12/2010 is RM825,000.

If an investor follow this plan in FD start on 29/03/1981.

Current value as at 1/12/2010 is RM370,000 Only.

Current 12-Month FD Average is 3.0% (2010)

In FD with average return 3%, need to put RM1700 monthly for 30 years to get RM1MIL.

You can save RM1260.00 monthly if you save/invest your money in Public Mutual.

In FD with average return 4%, need to put RM1500 monthly for 30 years to get RM1MIL.

You can save RM1060 monthly if you save/invest your money in Public Mutual.

Can you see the difference?

RM500,000 PLAN.
Initial investment = RM1,000.00
Monthly top up for 30 years = RM220.00.
(RM220 x 12 months x 30 years = RM79,200.00)
Total investment value = RM1,000 + RM79,200.00 = RM80,200.00
Profit = RM500,000.00 – RM80,200.00 = RM419,800.00

If an investor follow this plan in public saving fund start on 29/03/1981.

Current value as at 1/12/2010 is RM417,000.

If an investor follow this plan in FD start on 29/03/1981.

Current value as at 1/12/2010 is RM188,000 Only.

Current 12-Month FD Average is 3.0% (2010)

In FD with average return 3%, need to put RM850.00 monthly for 30 years to get RM500,000.

You can save RM630.00 monthly if you save/invest your money in Public Mutual.

In FD with average return 4%, need to put RM725 monthly for 30 years to get RM500,000.

You can save RM505.00 monthly if you save/invest your money in Public Mutual.

Can you see the difference?

RM250,00.00 PLAN
Initial investment = RM1,000.00
Monthly top up for 30 years = RM110.00.
(RM110 x 12 months x 30 years = RM39,600.00)
Total investment value = RM1,000 + RM39,600.00 = RM40,600.00
Profit = RM250,000.00 – RM40,600.00 = RM209,400.00

If an investor follow this plan in public saving fund start on 29/03/1981.

Current value as at 1/12/2010 is RM213,000.

If an investor follow this plan in FD start on 29/03/1981.

Current value as at 1/12/2010 is RM97,000 Only.

Current 12-Month FD Average is 3.0% (2010)

In FD with average return 3%, need to put RM440.00 monthly for 30 years to get RM250,000.

You can save RM330.00 monthly if you save/invest your money in Public Mutual.

In FD with average return 4%, need to put RM360 monthly for 30 years to get RM250,000.

You can save RM250.00 monthly if you save/invest your money in Public Mutual.

Can you see the difference?

SINCE MINIMUM TOP UP IS RM100.00, IF YOU OPEN AN ACCOUNT WITH INITIAL INVESTMENT
RM1000.00 AND MONTHLY TOP UP IS RM100.00 FOR 30 YEARS WITH AVERAGE RETURN 10%.
EXPECTED RETURN IS BITWEEN RM200,000.00 TO RM240,000.00.

XXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXX

Latest updates;

---------------------------------------------------------------------------

The affects after the distributions.

1. Investment value;

a) Same if re-invest the distribution.

b) Will less if distributions taken as cash.

2.Units :

a) Will grow if re-invest the distributions.

b) Same if profit taken as cash.

3.Unit price, will be less than the price before distributions.

---------------------------------------------------------------------------------------------------
Public Mutual declares distributions for 6 funds
Public Bank’s wholly-owned subsidiary, Public Mutual, declares distributions for
six of its funds. The total gross distributions declared for the financial year
ended 30 November 2010 are as follows:
Fund Gross Distribution / Unit
Public Select Alpha-30 Fund 2.50 sen per unit
Public Natural Resources Equity Fund 1.50 sen per unit
Public Far-East Dividend Fund 0.50 sen per unit
Public Islamic Balanced Fund 1.00 sen per unit
Public Islamic Sector Select Fund 1.00 sen per unit
Public Islamic Asia Leaders Equity Fund 0.75 sen per unit

According to The Edge-Lipper Fund Table dated 22 November 2010, Public Select
Alpha-30 Fund and Public Natural Resources Equity Fund have generated one-year
returns of 15.81% and 12.10% respectively for the period ended 12 November 2010.

At the same time, Public Far-East Dividend Fund recorded a one-year return of
6.97%.

Meanwhile, both Public Islamic Balanced Fund and Public Islamic Sector Select
Fund, which are open for EPF Members Investment Scheme, also recorded double
digit one-year returns of 11.08% and 32.73% respectively for the period ended 12

November 2010. Public Islamic Asia Leaders Equity Fund, which was launched in
January this year, generated a six-month return of 9.67% for the period ended 12

November 2010.

All of the above funds are distributed by Public Mutual unit trust consultants.
Public Mutual is Malaysia’s largest private unit trust company with 82 funds
under management. It has over 2,320,000 account holders and as at 29 October
2010, the total net asset value of the funds managed by the company was RM40.2
billion.

--------------------------------------------------------------------------------------------------------------------------------
For your information.

Investors should have more units in investment to get more returns.

Gross Distribution for Public Select Alpha-30 Fund is RM0.025 per units.(High
risk - Aggressive Fund).

Capital Gain = RM365,615 - RM 264,000 = RM101,615 (38%)

If the money put in FD = Current return as at 1/12/2010 = RM275,330

Capital gain = RM275,330 - RM264,000 = RM11,330 (4.2% only)*

*= 12-Month FD Average 2009 - 2.5% / 2010 - 3.0%

So, What the investor should do now;
1.He may take the profits. (This will effect the compounding interest in future)

2. He may take capital which is RM264,000 and let balance in investment. (This will effect the compounding interest in future)

1.Do not Panic.
2.If the investor happy with current returns, he may exit from market with profits.
3.Practice dollar cost average to accumulates more units.

4.He may switch the fund to a low risk fund to manage the risk.T & C apply.

--------------------------------------------------------------------------------------------------------

I give some others epf funds, those invested RM264,000 in 7/04/2009 and actual current returns as below compare with Fix Deposits and EPF returns.;

Funds / FD / EPF

1.Public Aggressice Growth Fund – Rm425,000 (60%) / RM275,000 (4.2%) / RM290,000 (9.8%)

2.Public Growth Fund – RM424,000 (60%) / RM275,000 (4.2%) / RM290,000 (9.8%)

3.Public Index Fund – RM409,000 (54%) / RM275,000 (4.2%) / RM290,000 (9.8%)

4.Public Saving Fund – RM393,000 (48%) / RM275,000 (4.2%)/ RM290,000 (9.8%)

5.Public Regular Saving Fund – RM341,000 (29%) / RM275,000 (4.2%) / RM290,000 (9.8%)

6.Public Ittikal Fund – RM373,000 (41%) / RM275,000 (4.2%) / RM290,000 (9.8%)

7.Public Islamic Optimal Growth Fund – RM370,000 (40%) / RM275,000 (4.2%) / RM290,000 (9.8%)

8. Public Islamic Diveden Fund – RM372,000 (42%) / RM275,000 (4.2%) / RM290,000 (9.8%)

9.Public Industry Fund – RM384,000 (45%) / RM275,000 (4.2%) / RM290,000 (9.8%)

10.Public Balance Fund – RM365,000 (37%) / RM275,000 (4.2%) / RM290,000 (9.8%)

11.Public Islamic Balanced Fund – RM334,000 (26%) / RM275,000 (4.2%) / RM290,000 (9.8%)

This shows that, As I always post that average return is 10% or more for long term.....

Free insurance for Public Ittikal FUND , Public Balanced Fund, Public Islamic Balanced Fund.

Free Insurance at http://www.publicmutual.com.my/page.aspx?name=insurance-product

do not decide to invest after see the past performance. your investment objective must match with the fund objective. in future u may get more or less than past performance as the returns are follows the market trend.past performance not indicative of future performance.

but definately you won't lost your money if u follow my guidance.

----------------------------------------------------------------------------------------------------------

Actually there is way to create wealth during market downtrend as I explained
below.

Or, if RM0.05, declared as distribution. (Distributions will be decide by Fund Managers), the price will be reduced to RM1.05 after declaration.

NO DISTRIBUTION OR DIVIDEND WILL BE GIVEN DURING MARKET DOWNTREND IF THE DISTRIBUTION POLICY IS
INCIDENTAL.

HOW MUCH THE DISTRIBUTIONS WILL DECIDE BY FUND MANAGER.

Some investors may think if the price is not goes up after a few years, they
lost the money. The wrong understanding.

UNIT TRUST DESIGNED TO MAINTAIN AT OFFER PRICE, NEAREST TO OFFER PRICE OR AT
LOWER PRICE AS POSSIBLE TO ATTRACT MORE INVESTORS.

By applying this method, the investor will get the average price which lower
than market price in long term.

If anybody interested to invest in Public mutual,
You are welcome.
Parameswaran.K
Unit Trust Consultant
KL,Klang
017-8735029
-Minimum Investment RM1,000. Min Top Up – Rm100
- Can open under 2 names / Can open under corporate name.
- Free Insurance for selected Funds.
- No Cash – No worries, Use EPF Scheme.
- Just follow the investment rules, and make profits.
-Trust me that I can help you to create wealth for you.

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

IF YOU OPEN AN ACCOUNT WITH INITIAL INVESTMENT RM1000.00 AND MONTHLY TOP UP IS
RM100.00 FOR 20 YEARS WITH AVERAGE RETURN 10%. EXPECTED RETURN IS BEETWIN
RM83,000.00 to RM90,000.00.

If anybody wants to invest and top up RM100.00 every 2 months ( meaning RM50.00
monthly), I can show you the way.SIKIT -SIKIT LAMA LAMA JADI BUKIT.
XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

I came up with a beautiful plan for kids after read HOW TO MAKE YOUR CHILD A
MILLIONAIRE from THE EDGE PERSONAL MONEY AUGUST 2010 EDITION.

I named this plan as PRE-RETIREMENT PLAN FOR KIDS. Parents can start this
PRE-RETIRMENT for their children and when the time their children start
working, the children can continue the monthly investment until reach 50 years
old. Assume that retirement age is 55. When the child reach 50 years old, the
child can monitor the market on their investment value for best time to sell
back the units and exit from the market before 55 years old.

Example:
If a baby born today and a PRE-RETIREMENT PLAN can be start.

Open an account with RM1000.00 and monthly Top up is RM100.00 until the baby
reach 50 years old. The fund risk profile can be moderate or aggressive.
(aggressive is better since investment period is 50 years and more time to
recover if market on bubbles)

Total invested amount = RM1,000 + (RM100 x 12 months x 50 years= RM60,000) =
RM61,000
The return with average return 10% to 12% will be = Rm1.6MIL to RM3.5MIL.

The capital only RM61,000 and the return is more than RM1 Million.

*For those invest more than RM100,000.00 - You can enjoy Mutual Gold Benefits.
go to http://www.publicmu/ tual.com. my/page.aspx? name=services- mutualgoldelite

*pls read and understand the MASTER PROSPECTUS about
the funds risks,service charge,switching, and others. go to
http://www.publicmutual.com.my/page.aspx?name=prospectus_download

Education plan at www.pk31-edu.blogspot.com
Epf Scheme at www.pk31-epf.blogspot.com

I will brief, if you interested to know about Unit Trust. EVERYBODY DESERVE TO
BE FINANCIAL FREEDOM.If you interested to know about Unit Trust Investment, just
Call me/SMS me /Email me for free consultation.

Parameswaran. K @ (PK)
Unit trust Consultant/MFA
(people who likes helping people)
017-8735029
Klang,Shah Alam,PJ,KL @ all Malaysia.
http://www.publicmutual.com.my/
kparam77@yahoo. com

http://www.unit-trust-4-u.blogspot.com/

--------------------------------------------------------------------------------------------------------------

“WHAT ACTUALY I’M DOING IS HELPING AND GUIDING MY CLIENTS TO GROW THEIR MONEY AND ACHIEVE THEIR LONG TERM FINANCIAL GOALS BY INVESTING IN PUBLIC MUTUAL.

I’M NOT GOING TO SELL ANY UNIT TRUST UNTIL YOU FULLY UNDERSTAND ABOUT THIS INVESTMENT.”

The money we put in bank(Fix Deposit) is not capable to fight the inflation, where the return of Fix Deposit only 3% -5%.

EPF average return is only 5% - 6% only.

Market history shows that whenever market goes down, it will recover back and whenever market goes up, it will goes down.

The most important, put the money in P.Mutual, let the money grow and exit from P.mutual with profits with a proper plan.

If you give me an appointment, I will brief you about;

- Brief you about the risks & how to manage it.

- Brief about Funds & its risk factor or profiles.

- The service charges.

- How to accumulates the units as the more units will give more returns?

- How to calculates your average unit price? Your average unit price should be cheaper than market price to give you profits?

- How to calculate the profits in long term?

- How to make money whenever see the profits?

- Why the dividend declares and how? and what will happen to the unit price after dividend declared?

- How to make use when market down/ when the price goes down?

- How to compare the returns between P.Mutual-FD-EPF?

- How to apply DOLLAR COST AVERAGE? And Rule 72?

- How to monitor your investment online? You can see your investment status daily.

- Draw a plan for you within your budget.(EPF or CASH)

- Safety of your Investment. You may have join acc holder for cash investment or Nominee services.

- Service after sales.

- How to protect your investment? Free Insurances for Selected FUNDS.

- FAQ

- and others important info's.

Maybe some people said that don't invest in public mutual and you Will lost the money. Yes, I have to agree this as this may happen for an improper investment planning.

My Clients are Start benefiting already.

To be honest, You can create wealth for both during market uptrend and during market downtrend.

We are No 1 private unit trust management company in Malaysia, Operated for 35 yrs. Current total Fund size as at Sept 30,2010 is RM39 Billions with more than 2.3 Million account holders

You can make use 20% of your EPF Acc1 to invest in Public Mutual.

pls go to www.pk31-epf.blogspot.com

You can make use this as to create a retirement plan for your future.

pls go to www.pk31-retire.blogspot.com

You can make use this as Education Plan for your beloved kids.

pls go to www.pk31-edu.blogspot.com

Or, You just make use this as Saving Plan and get high return CASH value for your hard earn money.

Let the money work hard for you.

Yours RM100.00 monthly will make BIG different in long term and it was proven in Public Mutual. Or,

Yours 1 time investment RM1000.00 will make BIG different in long term and it was proven in Public Mutual

To be honest to you, Every investment comes with RISK, Same goes to this investment, but I will make sure you will make profits with my guidance’s.

A PROPER PLANNING WILL NOT FAIL THE INVESTORS IN PUBLIC MUTUAL.

If you interested, you may contact me for free consultation. You not need to save/invest if you don't understand about this.

I know you are very busy with your work. but if you don't mind, if you give me an appointment, I will brief you how to benefits from this investment.

Pls be informed that, this is for your OWN benefits.

If you a Facebook user,

I have created a useful page called grow money community and post some useful messages about unit trust investment and others.

You may visit my page and if you feel the page is useful, please click the like button and please invite your friends by suggest to them.

The page is http://www.facebook.com/pages/Grow-Money-Community/139336122774604

Maybe You already invest in public Mutual or doing other saving/investment. If you feel that this email is useful. I will appreciate if you could help me to forward to your friends.

tq,

Parameswaran.K

Public Mutual Berhad

Klang,KL.

017-8735029

EVERYBODY DESERVE TO BE FINANCIAL FREEDOM

My other related blogs.

www.unit-trust-4-u.blogspot.com

www.grow-money77.blogspot.com

Bahasa Malaysia - www.cara-menguruskan-wang.blogspot.com

#156

From: "k.parameswaran ramesh" <kparam77@...>
Date: Mon Dec 6, 2010 7:52 am
Subject: Golden Palm Growers Scheme ("GPGS") - Be a profitable share holder in a Oil Palm Plantation.

kparam77

Golden Palm Growers Scheme ("GPGS") - Be a profitable share holder in a Oil Palm Plantation.

--------------------------------------------------------------------------------------------------------

Guaranteed 6% annual return for 1^st 6 development years and for the next 17 years, The return base on CPO price as follows.

If the Price Below RM1000.00 = 0% return

If the Price Rm1000.00 – RM1500.00 = 6% Return

If the Price exceed Rm1500.00 = 9% Return

The higher the CPO Price, The higher the Return.

The CPO price never below than RM1000.00 for the past 5 years even during market crisis 2008/2009.

The return for the 1^st 6 years is Guaranteed 6% which is much better than Fix Deposit return. The investor can benefits the return and may exit from this scheme with capital after 6^th year.

Will My Investment Be Safeguarded?

Absolutely. That’s because:

1.The Goldem Palm Growers Scheme is approved under The Companies Act, 1965.

2.The guardian of investor interests is AmTrustee berhad – a reputable, licensed trustee and member of the AmInvestment Bank group.

3.The company’s profits are audited by the renowned international audit firm Ernst & Young.

4.An independent planting advisor will conduct a review of plantation operations twice a year.

---------------------------------------------------------------------------------------------------------

An opportunity for us to invest in an palm oil plantation and truly enjoy the profit upside potential.

Now everybody can invest in Palm Oil Plantation as this scheme designed to benefit to all Malaysians.

This Scheme is applicable for foreigners.

Summary of this scheme;

The Management Company : Golden Palm Growers Berhad.Company No.762196-T. Formerly known as SPC Sawit Sdn Bhd.

The Management Company is principally engaged in plantation development and cultivation of fresh fruit bunches and will operate and manage the scheme.

The management Company entered into the Palm Oil Plantation. The Management Company will Offer to the public only 70% of the Grower Plots and it will remain 30% of the Grower Plots.

Directors : 1.Phang Tuck Keong – Executive Chairman.

2.Lim Cheong Chai – Chief Executive Officer

3.Ezani Bin Abu Bakar – Independent Director

4.Rosli Bin Abd Shukor – Independent Director

5.Leong Wei Choo – Director

Shareholders : 1.Sterling Plantations Sdn Bhd(99.66%),

2.Saham Bangga Sdn Bhd(0.30%)

3.Lim Cheong Chai(0.04%)

Name of Scheme: Golden Palm Growers Scheme.

Marketing Company: Golden Palm Marketing Sdn Bhd.

Auditors: Ernst & Young.

Solicitors : Zul Rafique & Partners.

Independent Consultant : Agriculturist Incorporated Development Sdn Bhd.

Scheme type : Share farming interest scheme established pursuant to Division 5 of Part IV of the Companies Act 1965.

Type of interest (Grower Plot) : Interest relating to a quarter (1/4) acre of the Plantation entitling the holder to the Net Yield.

Size of Plantation: 7,000 acres and may increase additional 3,000 acres in future.

Total No of Grower Plots: 28,000(70%=19,600 & 30%=8,400)

Launch by / Date – YB Dato’ Sri Mustapa Bin Mohamad, The Minister of International Trade & Industry on 20^th August 2010 at Hilton KL.

Offer Period – 6 Months.

Grower’s Fee =1 plot = ¼ acre = RM7000.00

Agreement Fees = RM20.00

Net Yield(Return) : First Phase – guaranteed Net Yield of 6% per annum of the Grower’s Fee.

The management Company may offer to pay a bonus yield. Terms and Conditions applied.

Second Phase: based on audited net profits of the plantation with minimum return based on average crude palm oil prices.

Transfer of Grower Plots : Freely transferable after a periods of 12 months.The investor Can have join holder during application.

Repurchase of Grower Plots: the management company will repurchase Grower Plots at the request of a grower during the second Phase.

Location: Gua Musang, Kelantan

How save this Investment?:– AmTrustee is appointed as Trustee for this scheme.

Scheme period / Maturity : 23 years and may continue for 2^nd cycle if investors agreed.

Expiry or termination of Scheme: The Scheme will expire on the Maturity Date unless early termination is triggered.

Payment on expiry or termination : The investor will receive his proportionate share of the net sale proceeds of that part of the Plantation Concession relating to the Plantation.

Cooling-Off Period : 10 days

What is Golden Palm Growers Scheme?

The planting of oil palm seedlings has commenced, with about 28,000 palms having been planted as of 30^th June 2010.

How Will I Benefits By Participating In The Scheme?

You’ll enjoy:

1.A guaranteed return on investment of 6% per annum for the first 6 development years.

2.100% of audited net profits to be distributed for next 17 years with minimum 9% p.a. if crude palm oil price exceed RM1500.00/mt*

3.Potential upside on maturity in 23 years.

4.Downside risk mitigated by Scheme features.

5.Profits audited by international audit firm Ernst & Young.

6.A buy-back guarantee at full price after 6 years.

7.A share in any capital appreciation upon the scheme’s maturity.

8.The opportunity to extend ownership for another 23 years upon the scheme’s maturity.

9.Ease in transferring plots to any beneficiary after the first 12 months.

10. In year 19, the company will give you the opportunity of extending the scheme beyond 23 years through a replanting program.

11.Growers Plots are freely transferable after 12 months.

12.When all Grower Plots have been sold, We will establish a mechanism to facilitate trading of grower plots.

Is This The Best Choice of Investment For Me?

If you’re eyeing an investment that affords you long-term returns, the answer is:Definitely. Here’s why:

1.The international palm oil industry is booming, and the price of crude palm oil (CPO) has been rising over the years.

2.This scheme offers a higher rate of return compared to what can be gained from bank’s fixed deposit rates.

3.Plots are easily transferrable to any beneficiary after the first 12 months.

4.Compared to other investment, this venture is highly affordable; offering expectations of higher yield over the long-term.

What Are This Company’s Credentials?

If anybody interested to take this opportunity,

Go to www.goldenpalm.com.my and read as follows;

1.Company Profile. very important

2.Board of Directors & their profile. very important

3.Strategic Partners. very important

4.why invest? very important

5.How to become a grower. very important

6.Photo Gallery. very important

7.E-Prospectus. very important

8.E-Brochure. very important

9.Press & Industry News. very important

10.FAQ. very important

11.Investing in the Future. very important

12.CPO Prices, Trends & Others. very important

13.Growers management Agreement (At download) very important

call/reply me if u interested/ further discussions

rgrds,

PK,

017-8735029

Golden Palm Growers Berhad.

Starbiz: http://biz.thestar.com.my/news/story.asp?file=/2010/8/21/business/6896580&sec=business

Saturday August 21, 2010

Golden Palm to raise RM137mil from scheme

KUALA LUMPUR: Golden Palm Growers Bhd (GPGB) is targeting to raise RM137mil from its Golden Palm Growers Scheme which offers returns from an oil palm plantation in Gua Musang, Kelantan.

Executive chairman Andrew Phang said the initial offer price for each grower plot was RM7,000 and the company had designated 7,000 acres in the investment scheme.

“The management company may also include an additional 3,000 acres in the future,” Phang said at the launch of the scheme yesterday.

“Upon expiry of the scheme in 23 years, investors will share in any capital appreciation of the plantation,” Phang said.

“For the next 17 years, an investor will share in the total profit of the plantation as 100% of the audited net profit will be distributed,” he said. — Bernama

#157

From: "k.parameswaran ramesh" <kparam77@...>
Date: Thu Dec 9, 2010 9:40 am
Subject: FREE POST JOBS FOR EMPLOYERS & JOB SEEKERS.

kparam77

YOU CAN POST YOUR ADV FOR FREE.

I have created a group name by job for malaysians.

PART / FULL TIME JOBS.

This Group Is Open For Malaysians.

STRICTLY ONLY:-

1.The employer Can Post Available JOBS.
2.For Job Seekers, Can Post Your Required Jobs.

**NO POLITICS, MLM AND THOSE NOT RELATED TO THIS GROUP**

Pls go to : http://finance.groups.yahoo.com/group/job-for-malaysians/ to join and post your messages.

rgrds,

#158

From: Grow Money <grow.money77@...>
Date: Fri Dec 10, 2010 4:04 am
Subject: U can post your avd fro free in my group.

grow.money77

PART / FULL TIME JOBS & OTHERS.

This Group Is Open For Malaysians.

STRICTLY ONLY:-

1. The employer Can Post Available JOBS.

2. For Job Seekers, Can Post Your Required Jobs.

3. Services. (Unit Trust, Insurance, property, IT, Transport, Home Tuition and others.)

4. Business opportunities.

You can post it at : http://finance.groups.yahoo.com/group/JOB-FOR-MALAYSIANS/

**NO POST ON POLITICS,DISCUSSIONS, MLM, ONLINE/INTERNET MARKETING AND THOSE NOT RELATED TO THIS GROUP**

MLM, ONLINE/INTERNET MARKETING CAN BE POST AT;

http://finance.groups.yahoo.com/group/growmoney77/

rgrds,

www.grow-money77.blogspot.com

#159

From: Grow Money <grow.money77@...>
Date: Fri Dec 10, 2010 6:51 am
Subject: U can post your avd fro free in my group.

grow.money77

PART / FULL TIME JOBS & OTHERS.

This Group Is Open For Malaysians.

STRICTLY ONLY:-

1. The employer Can Post Available JOBS.

2. For Job Seekers, Can Post Your Required Jobs.

3. Services. (Unit Trust, Insurance, property, IT, Transport, Home Tuition and others.)

4. Business opportunities.

You can post it at : http://finance.groups.yahoo.com/group/JOB-FOR-MALAYSIANS/

**NO POST ON POLITICS,DISCUSSIONS, MLM, ONLINE/INTERNET MARKETING AND THOSE NOT RELATED TO THIS GROUP**

MLM, ONLINE/INTERNET MARKETING CAN BE POST AT;

http://finance.groups.yahoo.com/group/growmoney77/

rgrds,

www.grow-money77.blogspot.com

#160

From: Grow Money <grow.money77@...>
Date: Fri Dec 10, 2010 6:55 am
Subject: U can post your avd fro free in my group.

grow.money77

PART / FULL TIME JOBS & OTHERS.

This Group Is Open For Malaysians.

STRICTLY ONLY:-

1. The employer Can Post Available JOBS.

2. For Job Seekers, Can Post Your Required Jobs.

3. Services. (Unit Trust, Insurance, property, IT, Transport, Home Tuition and others.)

4. Business opportunities.

You can post it at : http://finance.groups.yahoo.com/group/JOB-FOR-MALAYSIANS/

**NO POST ON POLITICS,DISCUSSIONS, MLM, ONLINE/INTERNET MARKETING AND THOSE NOT RELATED TO THIS GROUP**

MLM, ONLINE/INTERNET MARKETING CAN BE POST AT;

http://finance.groups.yahoo.com/group/growmoney77/

rgrds,

www.grow-money77.blogspot.com

#161

From: Grow Money <grow.money77@...>
Date: Fri Dec 10, 2010 7:23 am
Subject: Free adv post for JOBS, BIZ & services.

grow.money77

http://finance.groups.yahoo.com/group/growmoney77/

Free adv post for JOBS, BIZ & services.

PART / FULL TIME JOBS & OTHERS.

This Group Is Open For Malaysians.

STRICTLY ONLY:-

1. The employer Can Post Available JOBS.

2. For Job Seekers, Can Post Your Required Jobs.

3. Services. (Unit Trust, Insurance, property, IT, Transport, Home Tuition and others.)

4. Business opportunities.

You can post it at : http://finance.groups.yahoo.com/group/JOB-FOR-MALAYSIANS/

**STRICTLY NO POST ON POLITICS,DISCUSSIONS, MLM, ONLINE/INTERNET MARKETING AND THOSE NOT RELATED TO THIS GROUP**

MLM, ONLINE/INTERNET MARKETING CAN BE POST AT;

rgrds,

#162

From: Grow Money <grow.money77@...>
Date: Fri Dec 10, 2010 7:23 am
Subject: Free adv post for JOBS, BIZ & services.

grow.money77

http://finance.groups.yahoo.com/group/growmoney77/

Free adv post for JOBS, BIZ & services.

PART / FULL TIME JOBS & OTHERS.

This Group Is Open For Malaysians.

STRICTLY ONLY:-

1. The employer Can Post Available JOBS.

2. For Job Seekers, Can Post Your Required Jobs.

3. Services. (Unit Trust, Insurance, property, IT, Transport, Home Tuition and others.)

4. Business opportunities.

You can post it at : http://finance.groups.yahoo.com/group/JOB-FOR-MALAYSIANS/

**STRICTLY NO POST ON POLITICS,DISCUSSIONS, MLM, ONLINE/INTERNET MARKETING AND THOSE NOT RELATED TO THIS GROUP**

MLM, ONLINE/INTERNET MARKETING CAN BE POST AT;

rgrds,

#163

From: "k.parameswaran ramesh" <kparam77@...>
Date: Sat Dec 11, 2010 2:32 pm
Subject: FREE POST JOBS FOR EMPLOYERS & JOB SEEKERS.

kparam77

PART / FULL TIME JOBS & OTHERS.

This Group Is Open For Malaysians.

STRICTLY ONLY:-

1. The employer Can Post Available JOBS.
2. For Job Seekers, Can Post Your Required Jobs.
3. Services. (Unit Trust, Insurance, property, IT, Transport, Home Tuition and others.)
4. Business opportunities.

Item : 1,3 & 4 Must Complete Company name @ add.

**STRICTLY NO POST ON POLITICS,DISCUSSIONS, MLM, ONLINE/INTERNET MARKETING AND THOSE NOT RELATED TO THIS GROUP**

u can post it at http://finance.groups.yahoo.com/group/JOB-FOR-MALAYSIANS/

MLM, ONLINE/INTERNET MARKETING CAN BE POST AT;
http://finance.groups.yahoo.com/group/growmoney77/

rgrds,

Moderator.

#164

From: "k.parameswaran ramesh" <kparam77@...>
Date: Sun Dec 12, 2010 2:52 pm
Subject: The effect of distributions taken out as cash.

kparam77