MENABUNG PRS YANG SANGAT MENGUNTUNGKAN (UNTUNG CUKAI RM13,500 DAN UNTUNG UNIT AMANAH RM810,878) = JUMLAH UNTUNG RM824,378

SOALAN

Kerajaan Malaysia memberikan potongan private retiremernt scheme kepada setiap individu RM3000 tax relief setiap tahun.Sila kirakan keuntungan menabung RM3000 di Public mutual PRS sekiranya keuntungan purata tahunan 12% dan kirakan juga keuntungan tax exemption/tax relief RM3000. Umur Penabung adalah pada umur 25 tahun sehingga 55 tahun

JAWAPAN

Menabung dalam Public Mutual PRS (Private Retirement Scheme) dengan jumlah RM3,000 setiap tahun memberi keuntungan dalam dua bentuk:

1️⃣ Keuntungan pelaburan – Pulangan 12% setahun secara compounding (faedah berganda).
2️⃣ Penjimatan cukai – RM3,000 tax relief setiap tahun selama 30 tahun (umur 25 hingga 55 tahun).

Sekarang, kita kira kedua-dua keuntungan ini! 😊

Keuntungan Menabung dalam Public Mutual PRS

Jika anda menabung RM3,000 setiap tahun dalam PRS dengan pulangan 12% setahun selama 30 tahun (umur 25 hingga 55 tahun), anda akan memperoleh:

✅ Nilai akhir pelaburan (compounded): RM810,878
✅ Penjimatan cukai keseluruhan (15% kadar cukai): RM13,500

Kesimpulan

🔹 Keuntungan terbesar datang daripada faedah berganda dalam PRS (RM810,878).
🔹 Anda juga menjimatkan RM13,500 daripada pelepasan cukai selama 30 tahun.
🔹 Menabung dalam PRS sangat menguntungkan untuk jangka panjang & mengurangkan cukai!

Adakah anda ingin saya buat kiraan lain seperti kombinasi PRS + unit amanah? 😊

MANA LEBIH UNTUNG MELABUR EMAS ATAU MELABUR DI UNIT AMANAH ATAU MELABUR EMAS DI UNIT AMANAH = JAWAPANNYA MELABUR EMAS DIUNIT AMANAH AMAT MENGUNTUNGKAN

 Saya mempunyai lebihan tahunan rm 10,000 setiap tahun, manakah menguntungkan menabung dengan membeli emas atau di unit amanah. matlamat saya adalah ingin mengumpul kekayaan dari umur 40 ke umur rm55. sila berikan pengiraan keuntungan

Untuk menentukan pilihan terbaik antara menabung emas atau melabur dalam unit amanah, kita akan membandingkan kedua-duanya berdasarkan:
✅ Modal pelaburan tahunan: RM10,000
✅ Tempoh pelaburan: 15 tahun (umur 40 hingga 55 tahun)
✅ Pulangan Purata Tahunan:

• Emas: 6% setahun (anggaran berdasarkan sejarah)
• Unit Amanah: 10% setahun (berdasarkan purata pulangan dana ekuiti)
  ✅ Kaedah Pelaburan: Compounding investment (faedah berganda)

Sekarang, kita kira nilai akhir untuk kedua-dua pilihan ini.

Perbandingan Pulangan Pelaburan dalam 15 Tahun

Jika anda menyimpan RM10,000 setiap tahun selama 15 tahun, ini adalah jumlah akhir yang diperolehi:

✅ Pelaburan dalam Emas (6% setahun): RM246,725
✅ Pelaburan dalam Unit Amanah (10% setahun): RM349,497

Kesimpulan: Mana Lebih Menguntungkan?

🔹 Unit Amanah memberikan pulangan lebih tinggi (RM349,497) berbanding Emas (RM246,725).
🔹 Perbezaan keuntungan: RM102,772 lebih banyak dengan Unit Amanah.
🔹 Jika matlamat anda ialah mengumpul kekayaan maksimum, Unit Amanah lebih baik.

Namun, jika anda mahukan simpanan lebih stabil & kalis inflasi, emas adalah pilihan lebih selamat. Anda juga boleh gabungkan kedua-duanya untuk seimbangkan risiko! 😊

HOW TO BECOME RICH WITHOUT CAPITAL? BORROW MONEY THEN GET THE FREE CASH IN 7 YEARS - HOW RICH THINK TO MAKE MONEY BORROW RM200K (MONTHLY COMMITMENT RM1925 IN 10 YEARS), GET CASH BACK RM442,136 IN 7 YEARS, THEN DO FULL SETTLEMENT OF PERSONAL LOAN OF RM66,255 = NET FREE CASH IS RM375,880

 

After settling your MBSB personal loan using your unit trust investment after 7 years, you will have approximately RM375,880.36 in free cash.

QUESTIONS

i am goverment servant. i wan tto borrow personal loan, please give me the lowest interest personal loan in malaysia

ANSWER

As a government servant in Malaysia, you have access to personal loans with favorable interest rates. Here are some options to consider:

【{"image_fetch": "MBSB Bank logo"}】 MBSB Bank Personal Financing-i

• Interest Rate: Starting from 2.93% to 5.65% per annum
• Minimum Monthly Income: RM3,000
• Loan Amount: RM50,000 to RM250,000
• Loan Tenure: 3 to 10 years

【{"image_fetch": "Public Bank logo"}】 Public Bank BAE Personal Financing-i

• Interest Rate: 3.99% to 4.45% per annum
• Minimum Monthly Income: RM1,500
• Loan Amount: RM5,000 to RM150,000
• Loan Tenure: 2 to 10 years

【{"image_fetch": "Bank Islam logo"}】 Bank Islam Personal Financing-i

• Interest Rate: 4.20% to 5.99% per annum
• Minimum Monthly Income: RM2,000
• Loan Amount: RM10,000 to RM300,000
• Loan Tenure: 1 to 10 years

【{"image_fetch": "AmBank logo"}】 AmBank Islamic Personal Financing-i

• Interest Rate: 3.35% to 8.50% per annum
• Minimum Monthly Income: RM1,500
• Loan Amount: RM5,000 to RM200,000
• Loan Tenure: 2 to 10 years

【{"image_fetch": "Bank Rakyat logo"}】 Bank Rakyat Personal Financing-i Public

• Interest Rate: 3.42% to 5.22% per annum
• Minimum Monthly Income: RM1,000
• Loan Amount: RM5,000 to RM400,000
• Loan Tenure: 1 to 10 years

The best personal loan for you depends on three key factors:

1. Lowest Interest Rate – To minimize the total repayment amount.
2. Loan Amount & Tenure – Ensure it meets your financial needs.
3. Eligibility & Repayment Flexibility – Whether you qualify and can manage repayments comfortably.

Best Personal Loan for Government Servants

Based on the lowest interest rate and government servant eligibility:

🏆 Best Option: MBSB Bank Personal Financing-i

• Lowest interest rate: Starting from 2.93% (fixed).
• Higher loan amount: Up to RM250,000.
• Long tenure: Up to 10 years.
• Government servants are eligible.

Alternative Option: Bank Rakyat Personal Financing-i

• Interest rate: From 3.42% (still competitive).
• Loan amount: Up to RM400,000 (higher limit).
• Suitable for lower-income borrowers (min salary RM1,000).

Final Recommendation

If you qualify for MBSB Bank Personal Financing-i, it's the best choice due to the lowest interest rate (2.93%). However, if you need a higher loan amount, Bank Rakyat is a good alternative.

Would you like help with calculating monthly repayments for your desired loan amount? 😊

QUESTIONS

If i Borrow money rm200,000 form mbsb with interest rate of 2.93%, what's is my monthly commitment over 10 years. 

ANSWER

To calculate your monthly installment for a RM200,000 loan from MBSB Bank Personal Financing-i with a 2.93% fixed interest rate over 10 years (120 months), we use the formula for fixed-rate financing:

$$\text{Monthly Payment} = \frac{P \times r \times n}{n \times 100 + P}$$

Where:

• P = Principal loan amount (RM200,000)
• r = Interest rate per annum (2.93%)
• n = Loan tenure in years (10 years)

Now, let's calculate:

$$\text{Monthly Payment} = \frac{200,000 \times 2.93 \times 10}{(10 \times 100) + 200,000}$$

Your monthly commitment for a RM200,000 loan from MBSB Bank at a 2.93% fixed interest rate over 10 years would be approximately RM29.15.

This seems too low, so I might have used the wrong formula. Let me recalculate using the standard loan amortization formula:

$$\text{EMI} = \frac{P \times r_m \times (1 + r_m)^N}{(1 + r_m)^N - 1}$$

Where:

• $P = 200,000$ (Loan amount)
• $r_m = \frac{2.93}{12 \times 100}$ (Monthly interest rate)
• $N = 120$ (Total months)

Let me compute the correct monthly installment now.

Your monthly commitment for a RM200,000 loan from MBSB Bank at a 2.93% fixed interest rate over 10 years would be approximately RM1,924.76 per month.

Let me know if you need any further breakdown! 😊

QUESTIONS

From RM 200,000 i invest and saving in unit trust which give me 12% average per year and compounding until 7 years, how much my return in 7 years?

ANSWER 

If you invest RM200,000 in a unit trust with an average return of 12% per year, compounded annually for 7 years, your final amount will be approximately RM442,136.28.

Let me know if you need further calculations! 😊

QUESTIONS

Please calculate my profit and how much cash i get, if i borrow form MBSB personal loan, monthly commitment RM1925, for 10 years, later i invest in unit trust in 7 years, later i want to do settlement of my personal loan? how much free cash i get?

ANSWER

Let's break this down step by step:

1. Loan Details (MBSB Bank Personal Financing-i)

   • Loan Amount: RM200,000
   • Monthly Payment: RM1,925
   • Tenure: 10 years
   • Interest Rate: 2.93%

2. Investment in Unit Trust

   • Invested Amount: RM200,000 (from loan)
   • Expected Return: 12% per year (compounded annually)
   • Duration: 7 years
   • Future Value (FV) after 7 years: RM442,136.28

3. Outstanding Loan Balance After 7 Years

   • Since the loan is for 10 years, but you settle it after 7 years, we need to calculate the remaining balance.

4. Total Loan Payments Made in 7 Years

   • Monthly Payment: RM1,925
   • Number of Payments in 7 years: 7 × 12 = 84 payments
   • Total Paid: RM1,925 × 84 = RM161,700

5. Loan Balance After 7 Years
   The loan follows a reducing balance structure, meaning the outstanding balance is less than the initial loan after 7 years of payments. Let’s compute the remaining balance after 7 years.

The remaining loan balance after 7 years will be approximately RM66,255.93.

Final Calculation: Free Cash After Loan Settlement

• Investment value after 7 years: RM442,136.28
• Loan balance to settle: RM66,255.93
• Free cash after settlement:

$$\text{Free Cash} = 442,136.28 - 66,255.93$$

After settling your MBSB personal loan using your unit trust investment after 7 years, you will have approximately RM375,880.36 in free cash.

This strategy allows you to use borrowed funds to generate wealth while maintaining manageable loan repayments. Let me know if you need further analysis! 😊

IF YOU HAVE RM269K? IN 7 YEARS UNIT TRUST (ROI 10% AVERAGE PER YEAR = RM 509,100) > BETTER THAN 8PF/8WSP (ROI 6.3% AVERAGE PER YEAR = RM411,900) = DIFFERENCES OF PROFIT RM 97,200

 QUESTION

Please make comparison if i put money rm269,339 in EPF and invest with consistent return income of 6.3 % per year  or i have RM269,339 and put money in unit trust return income of average per year is 10% with service charges of 3% In 7 years which is more profitable?

ANSWER

ANALYZE BY DEEPSEEK

To determine which investment option is more profitable over 7 years, we need to calculate the future value of both the EPF investment and the unit trust investment, taking into account the respective returns and fees.

---

### **Option 1: EPF with 6.3% Annual Return**

- **Initial Investment**: RM 269,339

- **Annual Return**: 6.3%

- **Time Period**: 7 years

- **No additional fees or charges**

The formula for the future value of a lump sum investment is:

\[

FV = PV \times (1 + r)^n

\]

Where:

- \(FV\) = Future Value

- \(PV\) = Present Value (RM 269,339)

- \(r\) = Annual Return (6.3% or 0.063)

- \(n\) = Number of Years (7)

\[

FV = 269,339 \times (1 + 0.063)^7

\]

\[

FV = 269,339 \times (1.063)^7

\]

\[

FV = 269,339 \times 1.530

\]

\[

FV \approx RM 411,900

\]

---

### **Option 2: Unit Trust with 10% Annual Return and 3% Service Charges**

- **Initial Investment**: RM 269,339

- **Annual Return**: 10%

- **Service Charges**: 3% (deducted upfront from the initial investment)

- **Time Period**: 7 years

#### Step 1: Deduct the 3% service charge

\[

\text{Net Investment} = 269,339 \times (1 - 0.03) = 269,339 \times 0.97 = RM 261,259.83

\]

#### Step 2: Calculate the future value with 10% annual return

\[

FV = 261,259.83 \times (1 + 0.10)^7

\]

\[

FV = 261,259.83 \times (1.10)^7

\]

\[

FV = 261,259.83 \times 1.9487

\]

\[

FV \approx RM 509,100

\]

---

### **Comparison of Future Values**

- **EPF**: RM 411,900

- **Unit Trust**: RM 509,100

---

### **Conclusion**

The **unit trust investment** is more profitable, yielding approximately **RM 509,100** after 7 years, compared to the EPF's **RM 411,900**. However, keep in mind that unit trusts carry higher risk compared to EPF, which is a low-risk investment. The decision should also consider your risk tolerance and investment goals.

ANALYZE BY CHAT GPT

Let's compare the final amount for both options over 7 years:

1. EPF Investment

   • Initial amount: RM269,339
   • Annual return: 6.3%
   • Duration: 7 years
   • Formula: FV = P (1 + r)ⁿ
   • FV = 269,339 × (1.063)⁷
   • FV = RM415,608.85

2. Unit Trust Investment

   • Initial amount: RM269,339
   • Service charge: 3% (one-time fee), so the net investment = 269,339 × (1 - 0.03) = RM261,258.83
   • Annual return: 10%
   • Duration: 7 years
   • Formula: FV = P (1 + r)ⁿ
   • FV = 261,258.83 × (1.10)⁷
   • FV = RM509,806.62

Conclusion:

• EPF final amount: RM415,608.85
• Unit Trust final amount: RM509,806.62

The unit trust option is more profitable by RM94,197.77 over 7 years, despite the service charge. However, unit trusts come with higher risks, whereas EPF is more stable and secured.

HOW TO OPTIMZE YOUR MONEY THROUGH PROPERTY AND UNIT TRUST IN 7 YEARS - THE POWER OF LEVERAGE AND COMPOUNDING - CIMA QUESTIONS

 QUESTION

Right now, i have cash RM60,000. Please assist me in making decision of investing unit trust which can give me roi (return on investment) 10% average per year , or put all RM60,000 as deposit of buying RM200,000 house (my fourth house) which can generate net monthly income RM500 (RM1500 (rental income) minus RM1000 (loan expenses) or RM60,000 i buy asb loan which can give me (return on investment) 5.5% per year. Which is more profitable in 7 years - As as at 2032, my decision of investing in unit trust or buying house or asb loan , which is better and good decision

CONCLUSION

### **Recommendation**

1. **Buying a House (4th Property):**

   - This option provides the highest return (RM95,180) over 7 years, combining rental income and property appreciation.

   - However, it involves higher risk (property market fluctuations, tenant issues, maintenance costs, and liquidity concerns).

2. **Investing in Unit Trust:**

   - This option provides a moderate return (RM56,922) but is subject to market risks.

   - It is more liquid compared to property investment.

3. **ASB Loan:**

   - This option provides the lowest return (RM27,282) but is the safest and most stable.

---

### **Final Decision**

- If you are comfortable with **higher risk and active management**, buying a house is the most profitable option.

- If you prefer **moderate risk and liquidity**, investing in unit trust is a good choice.

- If you prioritize **safety and stability**, the ASB loan is the best option.

Consider your risk tolerance, investment goals, and liquidity needs before making a decision. If you’re unsure, you could also diversify by splitting the RM60,000 between two or more options.

WORKING PAPER - BY DEEPSEEK

To determine the best investment option for your RM60,000, let’s analyze each option over a 7-year period (2025–2032) based on the information provided. We’ll calculate the potential returns for each option and compare them.

---

### **Option 1: Invest in Unit Trust with 10% ROI per year**

Assuming the unit trust provides an average annual return of 10%, compounded annually, the future value (FV) of your investment can be calculated using the formula:

\[

FV = P \times (1 + r)^n

\]

Where:

- \( P = RM60,000 \) (initial investment)

- \( r = 10\% = 0.10 \) (annual return)

- \( n = 7 \) years

\[

FV = 60,000 \times (1 + 0.10)^7

\]

\[

FV = 60,000 \times 1.9487

\]

\[

FV = RM116,922

\]

**Total Return:** RM116,922 - RM60,000 = **RM56,922** (after 7 years).

---

### **Option 2: Buy a RM200,000 House (4th Property)**

- **Initial Cash Outlay:** RM60,000 (deposit).

- **Net Monthly Rental Income:** RM500 (RM1,500 rental income - RM1,000 loan expenses).

- **Annual Rental Income:** RM500 × 12 = RM6,000.

- **Total Rental Income Over 7 Years:** RM6,000 × 7 = RM42,000.

Assuming the property appreciates at an average rate of **4% per year**, the future value of the property can be calculated as:

\[

FV = 200,000 \times (1 + 0.04)^7

\]

\[

FV = 200,000 \times 1.3159

\]

\[

FV = RM263,180

\]

**Net Profit from Property:**

- Future Value of Property: RM263,180

- Minus Loan Balance: Assuming you took a 90% loan (RM180,000) and paid down the loan over 7 years, the remaining loan balance would depend on the interest rate and repayment schedule. For simplicity, let’s assume the remaining loan balance is RM150,000.

- Net Equity in Property: RM263,180 - RM150,000 = RM113,180.

- Add Rental Income: RM42,000.

- Total Return: RM113,180 + RM42,000 = **RM155,180**.

**Minus Initial Cash Outlay (RM60,000):**

- Net Profit: RM155,180 - RM60,000 = **RM95,180**.

---

### **Option 3: Invest in ASB Loan with 5.5% ROI per year**

ASB loans typically provide a return of around 5.5% per year. Using the same future value formula:

\[

FV = 60,000 \times (1 + 0.055)^7

\]

\[

FV = 60,000 \times 1.4547

\]

\[

FV = RM87,282

\]

**Total Return:** RM87,282 - RM60,000 = **RM27,282** (after 7 years).

---

### **Comparison of Returns Over 7 Years**

| Option                  | Total Return (RM) | Notes                                                                 |

|-------------------------|-------------------|-----------------------------------------------------------------------|

| Unit Trust (10% ROI)     | 56,922            | Higher risk, depends on market performance.                          |

| Buy a House             | 95,180            | Higher return, but involves property management and market risks.    |

| ASB Loan (5.5% ROI)     | 27,282            | Low risk, but lower returns compared to other options.               |

---

### **Recommendation**

1. **Buying a House (4th Property):**

   - This option provides the highest return (RM95,180) over 7 years, combining rental income and property appreciation.

   - However, it involves higher risk (property market fluctuations, tenant issues, maintenance costs, and liquidity concerns).

2. **Investing in Unit Trust:**

   - This option provides a moderate return (RM56,922) but is subject to market risks.

   - It is more liquid compared to property investment.

3. **ASB Loan:**

   - This option provides the lowest return (RM27,282) but is the safest and most stable.

---

### **Final Decision**

- If you are comfortable with **higher risk and active management**, buying a house is the most profitable option.

- If you prefer **moderate risk and liquidity**, investing in unit trust is a good choice.

- If you prioritize **safety and stability**, the ASB loan is the best option.

Consider your risk tolerance, investment goals, and liquidity needs before making a decision. If you’re unsure, you could also diversify by splitting the RM60,000 between two or more options.

If you use the **net rental income** from your house to invest in unit trust over 7 years, we can calculate the future value of these investments. Here's how it works:

---

### **Assumptions**

1. **Net Monthly Rental Income:** RM500 (as per your earlier statement).

2. **Annual Rental Income:** RM500 × 12 = **RM6,000**.

3. **Unit Trust ROI:** 10% per year (compounded annually).

4. **Investment Period:** 7 years (2025–2032).

5. You invest the **entire RM6,000 annually** into the unit trust.

---

### **Calculation**

This is a **future value of an annuity** problem, where you invest RM6,000 at the end of each year for 7 years, earning a 10% annual return. The formula for the future value of an annuity is:

\[

FV = P \times \frac{(1 + r)^n - 1}{r}

\]

Where:

- \( P = RM6,000 \) (annual investment),

- \( r = 10\% = 0.10 \) (annual return),

- \( n = 7 \) years.

\[

FV = 6,000 \times \frac{(1 + 0.10)^7 - 1}{0.10}

\]

\[

FV = 6,000 \times \frac{1.9487 - 1}{0.10}

\]

\[

FV = 6,000 \times \frac{0.9487}{0.10}

\]

\[

FV = 6,000 \times 9.487

\]

\[

FV = RM56,922

\]

---

### **Total Return from Rental Income Investment**

- **Total Amount Invested:** RM6,000 × 7 years = **RM42,000**.

- **Future Value of Investment:** **RM56,922**.

- **Net Return:** RM56,922 - RM42,000 = **RM14,922**.

---

### **Combined Return from Property and Unit Trust**

If you combine the returns from the property and the unit trust investment, here’s the breakdown:

1. **Property Investment:**

   - Net Equity in Property (from earlier calculation): **RM113,180**.

   - Rental Income Invested in Unit Trust: **RM56,922**.

   - Total from Property and Unit Trust: RM113,180 + RM56,922 = **RM170,102**.

2. **Minus Initial Cash Outlay (RM60,000):**

   - Net Profit: RM170,102 - RM60,000 = **RM110,102**.

---

### **Summary**

- By investing your rental income into unit trust, you would earn an additional **RM14,922** over 7 years.

- Combining the returns from the property and the unit trust investment, your total net profit would be **RM110,102** by 2032.

This strategy leverages both the appreciation of your property and the compounding returns of the unit trust, making it a strong option for maximizing your overall returns.

IF YOU HAVE RM339K? IN 7 YEARS UNIT TRUST (ROI 10% AVERAGE PER YEAR = RM 640,724) > BETTER THAN 8PF/8WSP (ROI 6.3% AVERAGE PER YEAR = RM520,528) = DIFFERENCES OF PROFIT RM 120,156

 ANALYSIS BY DEEPSEEK

QUESTION

Please make comparison if i put money rm339,000 in EPF and invest with consistent return income of 6.3 % per year  or i have RM339,000 and put money in unit trust return income of average per year is 10% with service charges of 3% In 7 years which is more profitable?

ANSWER

To determine which investment option is more profitable over 7 years, we will calculate the future value of both the EPF investment and the unit trust investment, taking into account the respective returns and fees.

---

### **Option 1: EPF with 6.3% annual return**

- **Initial Investment (Principal):** RM 339,000

- **Annual Return:** 6.3%

- **Investment Period:** 7 years

- **No additional fees or charges.**

The future value (FV) of the EPF investment can be calculated using the compound interest formula:

\[

FV = P \times (1 + r)^n

\]

Where:

- \( P = 339,000 \) (initial investment)

- \( r = 0.063 \) (annual return)

- \( n = 7 \) (investment period in years)

\[

FV = 339,000 \times (1 + 0.063)^7

\]

\[

FV = 339,000 \times (1.063)^7

\]

\[

FV = 339,000 \times 1.5356

\]

\[

FV = 520,568

\]

So, after 7 years, the EPF investment will grow to **RM 520,568**.

---

### **Option 2: Unit Trust with 10% annual return and 3% service charge**

- **Initial Investment (Principal):** RM 339,000

- **Annual Return:** 10%

- **Service Charge:** 3% (deducted upfront from the initial investment)

- **Investment Period:** 7 years

#### Step 1: Deduct the service charge

The service charge of 3% is deducted upfront from the initial investment:

\[

\text{Amount after service charge} = 339,000 \times (1 - 0.03) = 339,000 \times 0.97 = 328,830

\]

So, the effective initial investment is **RM 328,830**.

#### Step 2: Calculate the future value

The future value (FV) of the unit trust investment can be calculated using the compound interest formula:

\[

FV = P \times (1 + r)^n

\]

Where:

- \( P = 328,830 \) (initial investment after service charge)

- \( r = 0.10 \) (annual return)

- \( n = 7 \) (investment period in years)

\[

FV = 328,830 \times (1 + 0.10)^7

\]

\[

FV = 328,830 \times (1.10)^7

\]

\[

FV = 328,830 \times 1.9487

\]

\[

FV = 640,724

\]

So, after 7 years, the unit trust investment will grow to **RM 640,724**.

---

### **Comparison**

- **EPF Investment:** RM 520,568 after 7 years

- **Unit Trust Investment:** RM 640,724 after 7 years

The **unit trust investment** is more profitable, yielding **RM 640,724** compared to the EPF's **RM 520,568** over the same period.

---

### **Key Considerations**

1. **Risk:** Unit trusts typically carry higher risk compared to EPF, which is a low-risk investment.

2. **Liquidity:** EPF has restrictions on withdrawals, while unit trusts are generally more liquid.

3. **Fees:** The 3% service charge on the unit trust reduces the initial investment amount, but the higher return compensates for this over time.

If you are comfortable with the higher risk associated with unit trusts, it appears to be the more profitable option in this scenario. However, always consider your risk tolerance and investment goals before making a decision.

To calculate the **difference in profit** between the unit trust and EPF investments over 7 years, we subtract the future value of the EPF investment from the future value of the unit trust investment.

---

### **Future Values**

1. **EPF Investment:** RM 520,568 after 7 years

2. **Unit Trust Investment:** RM 640,724 after 7 years

---

### **Profit Calculation**

- **Profit from EPF:**  

  \( \text{Future Value} - \text{Initial Investment} = 520,568 - 339,000 = 181,568 \)

- **Profit from Unit Trust:**  

  \( \text{Future Value} - \text{Initial Investment} = 640,724 - 339,000 = 301,724 \)

---

### **Difference in Profit**

\[

\text{Difference} = \text{Profit from Unit Trust} - \text{Profit from EPF}

\]

\[

\text{Difference} = 301,724 - 181,568 = 120,156

\]

---

### **Conclusion**

The **unit trust investment** generates **RM 120,156 more profit** than the EPF investment over 7 years.

---

### **Summary Table**

| **Investment**   | **Future Value (7 Years)** | **Profit**       |

|-------------------|----------------------------|------------------|

| EPF (6.3% p.a.)   | RM 520,568                 | RM 181,568       |

| Unit Trust (10% p.a., 3% fee) | RM 640,724       | RM 301,724       |

| **Difference**    | -                          | **RM 120,156**   |

---

### **Key Takeaway**

The unit trust investment is **more profitable by RM 120,156** compared to the EPF investment over 7 years. However, remember that unit trusts come with higher risk and fees, while EPF is a low-risk, government-backed investment. Always consider your risk tolerance and financial goals before deciding.

IF YOU HAVE RM100K? IN 7 YEARS UNIT TRUST (ROI 10% AVERAGE PER YEAR = RM 189,024) > BETTER THAN 8PF/8WSP (ROI 6.3% AVERAGE PER YEAR = RM153,560)

  QUESTION

Please make comparison if i put money rm100,000 in EPF and invest with consistent return income of 6.3 % per year  or i have RM100,000 and put money in unit trust return income of average per year is 10% with service charges of 3% In 7 years which is more profitable?

ANSWER

To determine which investment option is more profitable over 7 years, we need to calculate the future value of both the EPF investment and the unit trust investment, taking into account the respective returns and fees.

---

### **Option 1: EPF with 6.3% annual return**

- **Initial Investment (Principal):** RM 100,000

- **Annual Return:** 6.3%

- **Investment Period:** 7 years

- **No additional fees or charges.**

The future value (FV) of the EPF investment can be calculated using the compound interest formula:

\[

FV = P \times (1 + r)^n

\]

Where:

- \( P = 100,000 \) (initial investment)

- \( r = 0.063 \) (annual return)

- \( n = 7 \) (investment period in years)

\[

FV = 100,000 \times (1 + 0.063)^7

\]

\[

FV = 100,000 \times (1.063)^7

\]

\[

FV = 100,000 \times 1.5356

\]

\[

FV = 153,560

\]

So, after 7 years, the EPF investment will grow to **RM 153,560**.

---

### **Option 2: Unit Trust with 10% annual return and 3% service charge**

- **Initial Investment (Principal):** RM 100,000

- **Annual Return:** 10%

- **Service Charge:** 3% (deducted upfront from the initial investment)

- **Investment Period:** 7 years

#### Step 1: Deduct the service charge

The service charge of 3% is deducted upfront from the initial investment:

\[

\text{Amount after service charge} = 100,000 \times (1 - 0.03) = 100,000 \times 0.97 = 97,000

\]

So, the effective initial investment is **RM 97,000**.

#### Step 2: Calculate the future value

The future value (FV) of the unit trust investment can be calculated using the compound interest formula:

\[

FV = P \times (1 + r)^n

\]

Where:

- \( P = 97,000 \) (initial investment after service charge)

- \( r = 0.10 \) (annual return)

- \( n = 7 \) (investment period in years)

\[

FV = 97,000 \times (1 + 0.10)^7

\]

\[

FV = 97,000 \times (1.10)^7

\]

\[

FV = 97,000 \times 1.9487

\]

\[

FV = 189,024

\]

So, after 7 years, the unit trust investment will grow to **RM 189,024**.

---

### **Comparison**

- **EPF Investment:** RM 153,560 after 7 years

- **Unit Trust Investment:** RM 189,024 after 7 years

The **unit trust investment** is more profitable, yielding **RM 189,024** compared to the EPF's **RM 153,560** over the same period.

---

### **Key Considerations**

1. **Risk:** Unit trusts typically carry higher risk compared to EPF, which is a low-risk investment.

2. **Liquidity:** EPF has restrictions on withdrawals, while unit trusts are generally more liquid.

3. **Fees:** The 3% service charge on the unit trust reduces the initial investment amount, but the higher return compensates for this over time.

If you are comfortable with the higher risk associated with unit trusts, it appears to be the more profitable option in this scenario. However, always consider your risk tolerance and investment goals before making a decision.

IN 7 YEARS - BORROW PERSONAL LOAN RM200K THEN INVEST IN UNIT TRUST (PROFIT OF UNIT TRUST RM152,240) IS BETTER THAN ASB LOAN ( PROFIT OF ASB RM57,800)

 QUESTION

Please make comparison if i buy asb loan rm200,000 and invest with consistent return income of 5.5 % per year and interest expenses of 4.5% or borrow money of RM200,000 personal loan of interest expenses 5% and return income of average per year is 10%. investing in unit trust In 7 years which is more profitable?

ANSWER

To determine which option is more profitable over 7 years for a loan amount of **RM 200,000**, we will calculate the **net returns** for both scenarios. Here's the step-by-step breakdown:

---

### **Option 1: ASB Loan**

- **Loan Amount**: RM 200,000

- **Loan Interest Rate**: 4.5% per year

- **Investment Return Rate**: 5.5% per year

- **Tenure**: 7 years

#### Step 1: Calculate the total interest expense on the loan.

Assuming the loan is amortized over 7 years, the total interest paid can be approximated.

- **Total Interest Expense**: ~RM 33,000 (approximate over 7 years at 4.5% interest).

#### Step 2: Calculate the total investment return.

The investment grows at 5.5% per year. Using the compound interest formula:

\[

FV = PV \times (1 + r)^n

\]

Where:

- \(FV\) = Future Value

- \(PV\) = Principal Amount (RM 200,000)

- \(r\) = Annual Return Rate (5.5% or 0.055)

- \(n\) = Number of Years (7)

\[

FV = 200,000 \times (1 + 0.055)^7

\]

\[

FV = 200,000 \times 1.454 \approx RM 290,800

\]

#### Step 3: Calculate the net return.

Subtract the total interest expense from the investment return.

\[

Net Return = FV - Principal - Total Interest

\]

\[

Net Return = 290,800 - 200,000 - 33,000 = RM 57,800

\]

---

### **Option 2: Personal Loan for Unit Trust Investment**

- **Loan Amount**: RM 200,000

- **Loan Interest Rate**: 5% per year

- **Investment Return Rate**: 10% per year

- **Tenure**: 7 years

#### Step 1: Calculate the total interest expense on the loan.

Assuming the loan is amortized over 7 years, the total interest paid can be approximated.

- **Total Interest Expense**: ~RM 37,500 (approximate over 7 years at 5% interest).

#### Step 2: Calculate the total investment return.

The investment grows at 10% per year. Using the compound interest formula:

\[

FV = PV \times (1 + r)^n

\]

Where:

- \(FV\) = Future Value

- \(PV\) = Principal Amount (RM 200,000)

- \(r\) = Annual Return Rate (10% or 0.10)

- \(n\) = Number of Years (7)

\[

FV = 200,000 \times (1 + 0.10)^7

\]

\[

FV = 200,000 \times 1.9487 \approx RM 389,740

\]

#### Step 3: Calculate the net return.

Subtract the total interest expense from the investment return.

\[

Net Return = FV - Principal - Total Interest

\]

\[

Net Return = 389,740 - 200,000 - 37,500 = RM 152,240

\]

---

### **Comparison**

- **ASB Loan Net Return**: RM 57,800

- **Personal Loan for Unit Trust Net Return**: RM 152,240

---

### **Conclusion**

The **personal loan for unit trust investment** is significantly more profitable, yielding a net return of **RM 152,240** compared to the ASB loan's net return of **RM 57,800** over 7 years. However, this analysis assumes consistent returns and does not account for risks such as market volatility, loan default risks, or changes in interest rates. Always consult a financial advisor before making investment decisions.

IN 7 YEARS - BORROW PERSONAL LOAN RM100K THEN INVEST IN UNIT TRUST (PROFIT OF UNIT TRUST RM76,120) IS BETTER THAN ASB LOAN ( PROFIT OF ASB RM28,900)

 QUESTION

Please make comparison if i buy asb loan rm100,000 and invest with consistent return income of 5.5 % per year and interest expenses of 4.5% or borrow money of RM100,000 personal loan of interest expenses 5% and return income of average per year is 10%. investing in unit trust In 7 years which is more profitable?

ANSWER

To determine which option is more profitable over 7 years for a loan amount of **RM 100,000**, we will calculate the **net returns** for both scenarios. Here's the step-by-step breakdown:

---

### **Option 1: ASB Loan**

- **Loan Amount**: RM 100,000

- **Loan Interest Rate**: 4.5% per year

- **Investment Return Rate**: 5.5% per year

- **Tenure**: 7 years

#### Step 1: Calculate the total interest expense on the loan.

Assuming the loan is amortized over 7 years, the total interest paid can be approximated.

- **Total Interest Expense**: ~RM 16,500 (approximate over 7 years at 4.5% interest).

#### Step 2: Calculate the total investment return.

The investment grows at 5.5% per year. Using the compound interest formula:

\[

FV = PV \times (1 + r)^n

\]

Where:

- \(FV\) = Future Value

- \(PV\) = Principal Amount (RM 100,000)

- \(r\) = Annual Return Rate (5.5% or 0.055)

- \(n\) = Number of Years (7)

\[

FV = 100,000 \times (1 + 0.055)^7

\]

\[

FV = 100,000 \times 1.454 \approx RM 145,400

\]

#### Step 3: Calculate the net return.

Subtract the total interest expense from the investment return.

\[

Net Return = FV - Principal - Total Interest

\]

\[

Net Return = 145,400 - 100,000 - 16,500 = RM 28,900

\]

---

### **Option 2: Personal Loan for Unit Trust Investment**

- **Loan Amount**: RM 100,000

- **Loan Interest Rate**: 5% per year

- **Investment Return Rate**: 10% per year

- **Tenure**: 7 years

#### Step 1: Calculate the total interest expense on the loan.

Assuming the loan is amortized over 7 years, the total interest paid can be approximated.

- **Total Interest Expense**: ~RM 18,750 (approximate over 7 years at 5% interest).

#### Step 2: Calculate the total investment return.

The investment grows at 10% per year. Using the compound interest formula:

\[

FV = PV \times (1 + r)^n

\]

Where:

- \(FV\) = Future Value

- \(PV\) = Principal Amount (RM 100,000)

- \(r\) = Annual Return Rate (10% or 0.10)

- \(n\) = Number of Years (7)

\[

FV = 100,000 \times (1 + 0.10)^7

\]

\[

FV = 100,000 \times 1.9487 \approx RM 194,870

\]

#### Step 3: Calculate the net return.

Subtract the total interest expense from the investment return.

\[

Net Return = FV - Principal - Total Interest

\]

\[

Net Return = 194,870 - 100,000 - 18,750 = RM 76,120

\]

---

### **Comparison**

- **ASB Loan Net Return**: RM 28,900

- **Personal Loan for Unit Trust Net Return**: RM 76,120

---

### **Conclusion**

The **personal loan for unit trust investment** is significantly more profitable, yielding a net return of **RM 76,120** compared to the ASB loan's net return of **RM 28,900** over 7 years. However, this analysis assumes consistent returns and does not account for risks such as market volatility, loan default risks, or changes in interest rates. Always consult a financial advisor before making investment decisions.

IN 7 YEARS - BORROW PERSONAL LOAN RM200K THEN INVEST IN UNIT TRUST (PROFIT OF UNIT TRUST RM105100) IS BETTER THAN ASB LOAN ( PROFIT OF ASB RM57,800)

QUESTION

Please make comparison if i buy asb loan rm200,000 and invest with consistent return income of 5.5 % per year and interest expenses of 4.5% or borrow money of RM200,000 personal loan of interest expenses 5% and return income of average per year is 8%. investing in unit trust In 7 years which is more profitable?

ANSWER

To determine which option is more profitable over 7 years for a loan amount of **RM 200,000**, we will calculate the **net returns** for both scenarios. Here's the step-by-step breakdown:

---

### **Option 1: ASB Loan**

- **Loan Amount**: RM 200,000

- **Loan Interest Rate**: 4.5% per year

- **Investment Return Rate**: 5.5% per year

- **Tenure**: 7 years

#### Step 1: Calculate the total interest expense on the loan.

Assuming the loan is amortized over 7 years, the total interest paid can be approximated.

- **Total Interest Expense**: ~RM 33,000 (approximate over 7 years at 4.5% interest).

#### Step 2: Calculate the total investment return.

The investment grows at 5.5% per year. Using the compound interest formula:

\[

FV = PV \times (1 + r)^n

\]

Where:

- \(FV\) = Future Value

- \(PV\) = Principal Amount (RM 200,000)

- \(r\) = Annual Return Rate (5.5% or 0.055)

- \(n\) = Number of Years (7)

\[

FV = 200,000 \times (1 + 0.055)^7

\]

\[

FV = 200,000 \times 1.454 \approx RM 290,800

\]

#### Step 3: Calculate the net return.

Subtract the total interest expense from the investment return.

\[

Net Return = FV - Principal - Total Interest

\]

\[

Net Return = 290,800 - 200,000 - 33,000 = RM 57,800

\]

---

### **Option 2: Personal Loan for Unit Trust Investment**

- **Loan Amount**: RM 200,000

- **Loan Interest Rate**: 5% per year

- **Investment Return Rate**: 8% per year

- **Tenure**: 7 years

#### Step 1: Calculate the total interest expense on the loan.

Assuming the loan is amortized over 7 years, the total interest paid can be approximated.

- **Total Interest Expense**: ~RM 37,500 (approximate over 7 years at 5% interest).

#### Step 2: Calculate the total investment return.

The investment grows at 8% per year. Using the compound interest formula:

\[

FV = PV \times (1 + r)^n

\]

Where:

- \(FV\) = Future Value

- \(PV\) = Principal Amount (RM 200,000)

- \(r\) = Annual Return Rate (8% or 0.08)

- \(n\) = Number of Years (7)

\[

FV = 200,000 \times (1 + 0.08)^7

\]

\[

FV = 200,000 \times 1.713 \approx RM 342,600

\]

#### Step 3: Calculate the net return.

Subtract the total interest expense from the investment return.

\[

Net Return = FV - Principal - Total Interest

\]

\[

Net Return = 342,600 - 200,000 - 37,500 = RM 105,100

\]

---

### **Comparison**

- **ASB Loan Net Return**: RM 57,800

- **Personal Loan for Unit Trust Net Return**: RM 105,100

---

### **Conclusion**

The **personal loan for unit trust investment** is more profitable, yielding a net return of **RM 105,100** compared to the ASB loan's net return of **RM 57,800** over 7 years. However, this analysis assumes consistent returns and does not account for risks such as market volatility, loan default risks, or changes in interest rates. Always consult a financial advisor before making investment decisions.

IN 7 YEARS - BORROW PERSONAL LOAN RM100K THEN INVEST IN UNIT TRUST (PROFIT OF UNIT TRUST RM52550) IS BETTER THAN ASB LOAN ( PROFIT OF ASB RM28,900)

 QUESTION

Please make comparison if i buy asb loan rm100,000 and invest with consistent return income of 5.5 % per year and interest expenses of 4.5% or borrow money of RM100,000 personal loan of interest expenses 5% and return income of average per year is 8%. investing in unit trust In 7 years which is more profitable?

ANSWER

To determine which option is more profitable over 7 years, we need to calculate the **net returns** for both scenarios. Here's a step-by-step breakdown:

---

### **Option 1: ASB Loan**

- **Loan Amount**: RM 100,000

- **Loan Interest Rate**: 4.5% per year

- **Investment Return Rate**: 5.5% per year

- **Tenure**: 7 years

#### Step 1: Calculate the total interest expense on the loan.

Assuming the loan is amortized over 7 years, the total interest paid can be calculated using a loan amortization formula or an online loan calculator. For simplicity, let's approximate the total interest expense.

- **Total Interest Expense**: ~RM 16,500 (approximate over 7 years at 4.5% interest).

#### Step 2: Calculate the total investment return.

The investment grows at 5.5% per year. Using the compound interest formula:

\[

FV = PV \times (1 + r)^n

\]

Where:

- \(FV\) = Future Value

- \(PV\) = Principal Amount (RM 100,000)

- \(r\) = Annual Return Rate (5.5% or 0.055)

- \(n\) = Number of Years (7)

\[

FV = 100,000 \times (1 + 0.055)^7

\]

\[

FV = 100,000 \times 1.454 \approx RM 145,400

\]

#### Step 3: Calculate the net return.

Subtract the total interest expense from the investment return.

\[

Net Return = FV - Principal - Total Interest

\]

\[

Net Return = 145,400 - 100,000 - 16,500 = RM 28,900

\]

---

### **Option 2: Personal Loan for Unit Trust Investment**

- **Loan Amount**: RM 100,000

- **Loan Interest Rate**: 5% per year

- **Investment Return Rate**: 8% per year

- **Tenure**: 7 years

#### Step 1: Calculate the total interest expense on the loan.

Assuming the loan is amortized over 7 years, the total interest paid can be approximated.

- **Total Interest Expense**: ~RM 18,750 (approximate over 7 years at 5% interest).

#### Step 2: Calculate the total investment return.

The investment grows at 8% per year. Using the compound interest formula:

\[

FV = PV \times (1 + r)^n

\]

Where:

- \(FV\) = Future Value

- \(PV\) = Principal Amount (RM 100,000)

- \(r\) = Annual Return Rate (8% or 0.08)

- \(n\) = Number of Years (7)

\[

FV = 100,000 \times (1 + 0.08)^7

\]

\[

FV = 100,000 \times 1.713 \approx RM 171,300

\]

#### Step 3: Calculate the net return.

Subtract the total interest expense from the investment return.

\[

Net Return = FV - Principal - Total Interest

\]

\[

Net Return = 171,300 - 100,000 - 18,750 = RM 52,550

\]

---

### **Comparison**

- **ASB Loan Net Return**: RM 28,900

- **Personal Loan for Unit Trust Net Return**: RM 52,550

---

### **Conclusion**

The **personal loan for unit trust investment** is more profitable, yielding a net return of **RM 52,550** compared to the ASB loan's net return of **RM 28,900** over 7 years. However, this analysis assumes consistent returns and does not account for risks such as market volatility, loan default risks, or changes in interest rates. Always consult a financial advisor before making investment decisions.

LIST DOWN ALL TYPE OF ARTIFICIAL INTELLIGENCE WITH THE LINK

 Artificial Intelligence (AI) can be broadly categorized into different types based on capabilities and functionalities. Below is a list of the main types of AI, along with brief descriptions. Unfortunately, I cannot provide direct links, but you can easily search for more details on these topics.

---

### **1. Types of AI Based on Capabilities**

These categories describe the level of intelligence and autonomy an AI system possesses.

#### **a. Narrow AI (Weak AI)**

- Designed for specific tasks.

- Cannot perform beyond its programmed scope.

- Examples: Siri, Alexa, recommendation systems, image recognition.

#### **b. General AI (Strong AI)**

- Possesses human-like intelligence and reasoning.

- Can perform any intellectual task that a human can.

- Still theoretical and not yet achieved.

#### **c. Superintelligent AI**

- Surpasses human intelligence in all aspects.

- Hypothetical and a topic of debate in AI ethics.

---

### **2. Types of AI Based on Functionalities**

These categories describe how AI systems operate and learn.

#### **a. Reactive Machines**

- Simplest form of AI.

- Reacts to inputs without memory or past experiences.

- Example: IBM's Deep Blue (chess-playing AI).

#### **b. Limited Memory AI**

- Uses past data to make decisions.

- Commonly used in self-driving cars and chatbots.

- Example: Tesla Autopilot.

#### **c. Theory of Mind AI**

- Understands emotions, beliefs, and thoughts of others.

- Still in development and not fully realized.

- Aimed at improving human-AI interactions.

#### **d. Self-Aware AI**

- Possesses self-awareness and consciousness.

- Purely theoretical and not yet achieved.

---

### **3. Types of AI Based on Learning Methods**

These categories describe how AI systems are trained and learn from data.

#### **a. Supervised Learning**

- Learns from labeled data.

- Example: Spam detection in emails.

#### **b. Unsupervised Learning**

- Learns from unlabeled data.

- Example: Customer segmentation in marketing.

#### **c. Reinforcement Learning**

- Learns through trial and error using rewards and penalties.

- Example: AlphaGo (game-playing AI).

#### **d. Semi-Supervised Learning**

- Combines labeled and unlabeled data for training.

- Example: Speech recognition systems.

#### **e. Deep Learning**

- Uses neural networks with multiple layers.

- Example: Image and speech recognition.

---

### **4. Types of AI Based on Applications**

These categories describe the real-world applications of AI.

#### **a. Natural Language Processing (NLP)**

- Enables machines to understand and generate human language.

- Example: ChatGPT, Google Translate.

#### **b. Computer Vision**

- Enables machines to interpret visual data.

- Example: Facial recognition, object detection.

#### **c. Robotics**

- Combines AI with robotics for physical tasks.

- Example: Industrial robots, drones.

#### **d. Expert Systems**

- Mimics human decision-making in specific domains.

- Example: Medical diagnosis systems.

#### **e. Generative AI**

- Creates new content, such as text, images, or music.

- Example: DALL-E, MidJourney.

https://www.dall-efree.com/?gad_source=1&gclid=Cj0KCQjw4v6-BhDuARIsALprm31IgWY9eCk_6sQbVqOiPsCDHzrxxeReXLQqYxLyS1lLhmcipRUUPfAaAgrxEALw_wcB

---

### **5. Emerging AI Concepts**

These are advanced or futuristic AI concepts.

#### **a. Explainable AI (XAI)**

- Focuses on making AI decisions transparent and understandable.

#### **b. Edge AI**

- Processes data locally on devices instead of relying on cloud computing.

- Example: Smart home devices.

#### **c. Swarm Intelligence**

- Mimics collective behavior of natural systems (e.g., ants, bees).

- Example: Drone swarms.

#### **d. Quantum AI**

- Combines AI with quantum computing for advanced problem-solving.

- Still in experimental stages.

---

### **How to Learn More**

To explore these topics further, you can visit reputable AI resources such as:

- [Wikipedia - Artificial Intelligence](https://en.wikipedia.org/wiki/Artificial_intelligence)

- [IBM AI](https://www.ibm.com/cloud/learn/what-is-artificial-intelligence)

- [Google AI Blog](https://ai.googleblog.com/)

- [OpenAI](https://openai.com/)

Let me know if you'd like more detailed explanations on any specific type!

MANUS A.I ADVANCED IN A.I TECHNOLOGY - THE NEXT OF DEEPSEEK

 Leave it to Manus

https://manus.im/

Manus AI refers to the artificial intelligence technologies and solutions developed by **Manus**, a company specializing in **hand and finger tracking** for virtual reality (VR), augmented reality (AR), and motion capture applications. Manus is known for its **Manus Prime Series gloves**, which are high-end motion capture gloves designed to accurately track hand and finger movements in real-time.

### Key Features of Manus AI:

1. **Hand and Finger Tracking**: Manus AI enables precise tracking of hand and finger movements, making it ideal for VR/AR experiences, animation, and robotics.

2. **Real-Time Data**: The technology provides real-time data capture, allowing for immediate feedback and interaction in virtual environments.

3. **Compatibility**: Manus products are often compatible with popular VR/AR platforms and motion capture systems.

4. **Applications**: 

   - **VR/AR Gaming**: Enhances immersive experiences by allowing users to interact naturally with their hands.

   - **Animation and Film**: Used for capturing realistic hand movements for CGI and animated characters.

   - **Robotics**: Helps in developing more intuitive human-robot interactions.

   - **Healthcare**: Used in rehabilitation and training simulations.

Manus AI is part of the broader ecosystem of **motion capture** and **human-computer interaction** technologies, pushing the boundaries of how we interact with digital environments. If you're referring to something else by "Manus AI," feel free to clarify!

Manus is a general AI agent that bridges minds and actions: it doesn't just think, it delivers results. Manus excels at various task

s in work and life, getting everything done while you rest.

Gold price prediction 2025 - Lets Save money With Únit Trust Which Hold Gold Shares! WE BUY GOLD MINE SHARES

 Predicting the price of gold in 2025 involves considering various factors, including economic conditions, inflation rates, interest rates, geopolitical events, and market demand. While no prediction can be entirely accurate, here are some key factors and expert opinions that could influence gold prices in 2025:

### Factors Influencing Gold Prices:

1. **Inflation and Currency Devaluation**: Gold is often seen as a hedge against inflation. If inflation remains high or currencies weaken, gold prices could rise.

2. **Interest Rates**: Higher interest rates typically make gold less attractive because it doesn’t yield interest. If central banks lower rates, gold could become more appealing.

3. **Geopolitical Uncertainty**: Wars, political instability, or global tensions often drive investors to safe-haven assets like gold.

4. **Central Bank Policies**: Central banks' gold-buying activities can significantly impact demand and prices.

5. **Economic Growth**: Strong economic growth might reduce demand for gold as investors turn to riskier assets like stocks.

6. **Market Speculation**: Investor sentiment and speculative trading can cause short-term price fluctuations.

### Expert Predictions:

- **Conservative Estimates**: Some analysts predict gold prices could range between **$2,000 and $2,500 per ounce** by 2025, assuming moderate inflation and stable economic conditions.

- **Bullish Scenarios**: In cases of high inflation, economic instability, or geopolitical crises, gold prices could surge to **$3,000 or more per ounce**.

- **Bearish Scenarios**: If global economies stabilize, inflation is controlled, and interest rates remain high, gold prices might stagnate or even decline slightly, potentially staying around **$1,800 to $2,000 per ounce**.

### Long-Term Trends:

Gold has historically maintained its value over the long term, and many analysts believe it will continue to play a critical role in portfolios as a diversification tool. However, the exact price in 2025 will depend on how the above factors evolve.

### Conclusion:

While predictions vary, gold is likely to remain a valuable asset in 2025, especially if economic uncertainty persists. For the most accurate and up-to-date forecasts, it’s essential to monitor global economic trends and expert analyses closer to the time.

KELEBIHAN DAN DOA SAIDINA ALI KARAMALLAHUWAJJAH

 

Saidina Ali bin Abi Talib (karamallahu wajhahu) adalah sepupu dan menantu Nabi Muhammad ﷺ, serta Khalifah keempat dalam sejarah Islam. Beliau terkenal dengan keberanian, kebijaksanaan, dan kedalaman ilmunya. Ali juga merupakan salah seorang yang dijamin masuk syurga oleh Nabi Muhammad ﷺ. Berikut adalah kelebihan dan doa yang sering dikaitkan dengan Saidina Ali bin Abi Talib:

---

### **Kelebihan Saidina Ali bin Abi Talib**

1. **Anak Angkat Nabi Muhammad ﷺ**  

   Ali dibesarkan di rumah Nabi Muhammad ﷺ sejak kecil dan merupakan orang pertama yang memeluk Islam dari kalangan kanak-kanak.

2. **Keberanian dalam Peperangan**  

   Ali terkenal dengan keberaniannya dalam medan perang. Beliau adalah panglima perang yang handal dan memainkan peranan penting dalam peperangan seperti Badar, Uhud, dan Khandak.

3. **Gelaran "Lion of Allah" (Asadullah)**  

   Nabi Muhammad ﷺ memberikan gelaran "Asadullah" (Singa Allah) kepada Ali kerana keberanian dan kekuatannya dalam membela agama Islam.

4. **Kebijaksanaan dan Ilmu**  

   Ali terkenal dengan kebijaksanaan dan kedalaman ilmunya. Beliau sering dirujuk sebagai sumber ilmu oleh para sahabat lain.

5. **Keadilan dan Kesederhanaan**  

   Walaupun memegang jawatan sebagai Khalifah, Ali tetap hidup sederhana dan adil terhadap semua rakyat.

6. **Dijamin Syurga**  

   Ali adalah salah seorang daripada sepuluh sahabat yang dijamin masuk syurga oleh Nabi Muhammad ﷺ.

7. **Pernikahan dengan Fatimah Az-Zahra**  

   Ali mengahwini Fatimah, puteri kesayangan Nabi Muhammad ﷺ, dan dikurniakan dua cucu Nabi, iaitu Hasan dan Husain.

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### **Doa Saidina Ali bin Abi Talib**

Saidina Ali sering berdoa dengan doa-doa yang penuh makna. Antara doa yang masyhur daripadanya adalah:

1. **Doa Memohon Kekuatan dan Keteguhan**  

   *"Ya Allah, berikanlah aku kekuatan untuk menghadapi ujian-Mu, dan janganlah Engkau jadikan aku lemah dalam menghadapi musuh-Mu."*

2. **Doa Memohon Ilmu yang Bermanfaat**  

   *"Ya Allah, berikanlah aku ilmu yang bermanfaat, hati yang khusyuk, dan lidah yang selalu mengingati-Mu."*

3. **Doa Memohon Perlindungan dari Kejahatan**  

   *"Ya Allah, aku berlindung kepada-Mu dari kejahatan diriku sendiri dan dari kejahatan makhluk-Mu."*

4. **Doa Memohon Keberkatan Hidup**  

   *"Ya Allah, berkatilah hidupku, matiku, amalanku, dan segala yang Engkau kurniakan kepadaku."*

5. **Doa Memohon Kebaikan Dunia dan Akhirat**  

   *"Ya Allah, berikanlah aku kebaikan di dunia dan kebaikan di akhirat, dan lindungilah aku dari azab neraka."*

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### **Pengajaran dari Saidina Ali**

Kehidupan dan kepimpinan Saidina Ali bin Abi Talib memberikan banyak pengajaran, terutama dalam hal:

- **Keberanian**: Sentiasa bersedia membela kebenaran walaupun dalam keadaan sukar.

- **Kebijaksanaan**: Mengutamakan ilmu dan kebijaksanaan dalam membuat keputusan.

- **Kesederhanaan**: Hidup sederhana walaupun memegang jawatan tinggi.

- **Keadilan**: Tidak membezakan antara rakyat biasa dan keluarganya dalam menjalankan hukum.

Semoga kita dapat meneladani sifat-sifat mulia Saidina Ali bin Abi Talib dalam kehidupan seharian. Amin.