The factors considered are
*   The dividend/returns in Malaysia as compared to Investor's country
*   Compare with reliable best returns given by performing institutions in country of Investor's
*   currency exchange rate between Malaysia and the country of Investor.
    (based on average of 10-yrs performance)
*  Compounding interest is purposely left-out for simplicity;
    (if included, the quantum on maturity will be much higher on both sides,
     but the % increase shall remain same)
*  money transit between countries is not covered here.
 
Evaluation on NUCW returns Vs Foreign currencies

Country                                                  M’sia            S'pore             India              China            Indon 
Currency                                                 RM              SGD               INR               RMB           Rupiah 

Exch of 1RM in Yr-2016                           1                 0.334           15.80             1.605             3215 
Exch of 1RM in Yr-2026                          1                 0.325           22.85            1.750             4233 
Currency Variance over 10yrs                                2.5%          -44.6%          -9.0%           -31.7% 

Bank Loan Rate  (ave)                       4.60%          2.90%         10.00%           3.15%            5.50% 

Bank Deposit Rate  (ave)                  3.20%          1.40%            6.66%           1.65%           4.63% 

Other best/safe Investments rate    6.2%            2.8%            10.0%             3.4%            9.0% 

                         

Lets assume
*  The other best/safe Investments rate is 1.5-2.0X of the Bank deposit rate
*  Investing in NUCW (M'sia): RM500,000 for 10-yrs at 8.5%pa gives 85%

Computation                                                 M’sia                  S'pore             India              China              Indon 

RM500,000 in local Currency            500,000         162,500      11,425,000      875,000        2,116.5m 
Amt Invested in NUCW, M'sia          RM500000   RM500000   RM500000   RM500000   RM500000

Interest Earned 85% (RM)                  425,000         425,000        425,000       425,000        425,000 
Total Amt on Maturity (RM)               925,000         925,000        925,000       925,000        925,000

Exch rate of 1RM to Local Currency        1                   0.325             22.85             1.75               4233 
Exch rate variance after 10yrs                 1                 97.45%          144.62%        109.03%        131.66% 

Maturity Amt in Local Currency        925,000        292,963       30,567,298    1,764,992     5,155.3m

Compared to their Best safe Investment in their respective Country

RM500k in local curr equivalent       500,000         162,500      11,425,000      875,000       2,116.2m 
Best Safe Interest Income                     6.2%              2.8%              10.0%              3.4%             9.0% 

10yrs return income                             310,000          45,500       11,425,000       297,500      1,904.8m 

Total Amt earned locally                    810,000         208,000     22,850,000     1,172,500     4,021.35m 

Excess Amt earned via NUCW           115,000          84,963         7,717,298        592,492       1,134.0m

Excess % earned via NUCW                  14.2%            40.8%             33.8%            50.5%            28.2% 

Example 2: Comparison of Investment between India & M'sia
Assume, U want to invest INR 1Cr, for period of 9-yrs
* Exchange rate: today RM1 = INR 23.256 & in 9yrs  (assume) = 30.00 INR
* Interest earned: from Nucw in M'sia is 8.5% pa & (assume in India is 10% pa)

Results from Investing in India: Interest earned for 9yrs is 90% (1Cr INR becomes 1.9 Cr INR)
Results from Investing in M'sia: 1Cr INR = RM430,000 earns 76.5% (8.5x9) becomes RM759,000
Though lesser interest, the exchange of 30X makes RM759,000 = 2.277 Cr INR
Thus, investing in NUCW gives INR 2.277Cr vs 1.9Cr in India after 9yrs

For main details on investing with Nucw(M;'sia), pls check out listing   https://www.bizmerger.com/home/listing/502

1.    Marina Bay Sands 

       MBS Casino

       MBS Skypark Observation Deck

       The Float at Marina Bay 

 

2.    Gardens By the Bay (Entry Ticket) 

       Indoor Gardern, 101-hectare horticultural park, Conservatories, Cloud Forest, Flower Dome

       Viewing Point, Night Tour, Nature & Adventure, Light Show 

 

3.    Universal Studio 

       SEA Aquarium 

       Singapore Oceanarium 

 

4.   Singapore Zoo 

       Night Safari River Cruise 

 

5.   Sentosa 

      Singapore Cable Car 

      Skyline Luge S’pore 

 

  

6.    S’pore Changi Airport (The Jewel)

7.    Arts Science Muzuem 

8.    Singapore Flyer 

9.    OCBC Sky Walk 

10.   Singapore Botanic Gardens 

11.    Tekka shopping, Mustafa, Indian Museum 

12.   China Town; eateries 

13.   Suntec City Hub 

14.   Cirque du Soleil KOOZA Show 

15.   Singapore River Cruise 

16.   Singapore: Starry Night Cruise, Garden Rhapsody & Spectra 

17.   Singapore: Big Bus Hop-On Hop-Off Tour by Open-Top Bus 

 
 Web-Links

*  MRT route Map: https://mrtmapsingapore.com/

*  Best 15 places to visit https://saishishirtours.in/places-to-visit-in-singapore/

*  Big Bus Hop-On Hop-Off Tour by Open-Top Bus
    -  https://www.bigbustours.com/en/singapore/singapore-routes-and-tour-maps
    -  https://www.getyourguide.com/singapore-l170/singapore-big-bus-hop-on-hop-off-tour-by-open-top-bus-t204940/?ranking_uuid=e98024eb-f5e2-45e3-9d19-274cc81b115e 

 
*  Mandai Wildlife Reserve
https://www.mandai.com/en/night-safari.html

*  Tour Packages:
https://www.getyourguide.com/singapore-l170/ 

1.   Ques:  Is NUCW is well established or newly formed?

      Ans:    Its long established; formed 21 years ago in Yr-2004
                  Its a National level Cooperative having >6000 members

 2.  Ques:  Who is the Governing body of NUCW?
      Ans:     Its govern by the Malaysian Cooperative Commission (SKM)

3.  Ques:   What's the minimum & range of dividend pay-out?
     Ans:     The min rate is 7.0% pa, and gets more with bigger quantum of Deposits

 4.  Ques:  How come NUCW gives such a good rate of return of 7-9% & sustains?
       Ans:    It has stable good income from its financial & other services & its growing
                   Also, the major pool of clients are the M'sian Civil Servants themselves

5.   Ques:  What are the sources of Income of NUCW?
       Ans:     a. Personal Financing Services: mainly Govt staff (1.3-1.7mil strong)
                    b. Member Savings and Contributions
                    c. Investments in Real Estate
                        (eg. have 537ac of Palm oil Plantation already bearing profit)
                    d. Other Potential Business Ventures (continuously growing)
                        (as of Dec-2024 approved financing lend-out amounts to RM 35.3mil)

6.   Ques:  Can foreigners participate?
       Ans:    Yes, they can

7.   Ques:  What's the Investment amount preferred
      Ans:     Its up to the depositors, though bigger deposits are preferred                   

8.   Ques:   Can KESH or BizMerger collect or hold funds for this?
       Ans:     NO, cannot; they only facilitate. In fact, no can take cash.
                    All prospects pay through Nucw's Bank Account & shall deal directly with Nucw on membership.

9.   Ques    What style & kind of people managing this organization
       Ans      Its managed professionally. The Chairman is Ex-Army Chief. 
                   The board are run by professionals & many have invested themselves
                   Policies skewed along socio-economic empowerment & democratic structure

10. Ques:  What are the Member's benefit that NUCW offers?
      Ans     *  Personel financing
                  *  Financial Products
                  *  Share schemes
                  *  Retirement savings benefit
                  *  Protection Plans (eg. Islamic insurance)
                  *  Hospital admission benefits
                  *  Maternity Parenthood Benefit
                  *  Education incentives for children
                  *  Death and funeral support

11.  Ques:   Why NUCW considered worthy?
      Ans:     NUCW is considered worthy for several key reasons:
                   *  Long and established track record
                       operating for >21 yrs, demonstrates stability and sustainability
                   *  Has large membership base; ~6,300 members
                       indicating strong trust and continued participation. 
                   *  Has good reputation & no bad publicity - despite its huge membership base
                       Abt 175 members renew their investment monthly without complaints,  reflecting member satisfaction.
                   *  Good leadership, credible Board and management team
                       with good professional profiles.
                   *  Deposit requirement for new membership has increased
                       reflects the cooperative’s growing strength and affluence.
                   *   Safer target market 
                        The Coop mainly provides financing to civil servants, a sizable segment that's generally more stable, reliable, and scalable.
                   *  Healthy business margins
                       with borrowing costs around 7–10% and lending rates of 12–18%
                   *  Very low bad debts
                       The Co-op maintains its within <1%, showing prudent credit management. 
                   *  Business diversification
                       Nucw is expanding into other profitable ventures, strengthening its long-term sustainability.
                    *  Has strong asset base
                        -  Abt RM35 million in loans disbursed to borrowers (as of Dec 2024).
                        -  Abt 537 acres of palm oil plantation, which is producing and profitable.
                    *   Smart withdrawal option available despite 3-yrs lock-in period
                         premature withdrawals can be considered under certain conditions. 

                    *   Cooperatives enjoy significant corporate tax exemptions
                         (subject to regulatory conditions)
                   *   A prudent financial management
                        Coop needs to keep 15% of the funds in reserve                                            
   
12.  Ques:    Are this Article is the write-up of opinion of KESH/BizMerger?
      Ans:       All information herein is vetted by the Directors of Nucw
                     KESH/BizMerger may express opinion, but the facts are of Nucw itself

13.  Ques:    How do we proceed if we are keen to be a member?
      Ans:       WhatsApp Mr.KESH (+6010-702-6377) the completed Membership form for Nucw to respond.

14.  Ques:   What are the documents should a new member get upon signing-up & paying?
       Ans:     The new Member should get
                    a.  A letter from Nucw stating your acceptance as a member
                    b.  Copy of your own Application of Membership that you made earlier
                    c.  The Share Certificate for the deposit you had made
                         (comes with the Official Receipt for the payment you made)
                    d.  And the agreement between NUCW & yourself
                         (stipulating the terms of contract including amount deposited, interest rate given, and date of maturity)

15  Ques:   Are foreigners better off with Nucw instead of investing in their own country?
       Ans:     Foreigners are better off with NUCW if 
                    *  dividend return of Nucw is more than that of their country's investment
                    *  Malaysian currency appreciates against their foreign currency
                    A brief study on this subject has been done based on last 10-yrs average (comparing Malaysia against Singapore, India, Indonesia & China). Pls take a look at https://www.bizmerger.com/home/article/322


Regards, KESH Muthu
WApp +6010-702-6377 / +65-9009-9036
https://www.bizmerger.com/home/listing/502