The factors to be consider are
*  The dividend/returns in Malaysia as compared to Investor's country
*  Comparing to reasonable returns given by performing institutions in country of Investors
*  the currency exchange rate between Malaysia and Country of Investor.
    (averaged from the last 10-yrs performance)
*  moving money between countries (this subject is not covered here).
*  Compounding interest is purposely left-out for simplicity;
    (otherwise the quantum of maturity is much higher on both sides)


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                                        4.60%             2.90%         10.00%            3.15%            5.50% 

Bank Deposit Rate                                   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% 

(assumed it's 1.5-2.0X of the Bank loan rate) 
                         

Lets assume
*  The other best safe Investments rate t's 1.5-2.0X of the Bank loan rate
*  Investing in NUCW (M'sia): RM500,000 for 10-yrs at 8.5%pa

Computation 

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 RM 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 = 30.00 INR (assume)
* Interest earned: from Nucw in M'sia is 8.5% pa & (assume in India others 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 earned 76.5% (8.5x9) becomes RM759,000
Though lesser interest, the exchange of 30X makes RM759,000 = 2.277 Cr INR

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 2 decades ago in Yr-2004
                  Its a National level Cooperative having ~6000 members

 2.  Ques:  Who is the Governing body of NUCW?
      Ans:     Its 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 services & growing
                   Also, the major pool of clients is the huge 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)
                    b. Member Savings and Contributions
                    c. Investments in Real Estate (eg. 537ac of Palm oil Plantation bearing profit)
                    d. Other Potential Business Ventures (continuously growing)
                        (as of Dec-2024 approved financing itself amounts to RM 35.3mil)

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

7.   Ques:  What's the Investment amount preferred
      Ans:     We prefer Investors depositing bigger amount; say RM250k-RM5mil 
                   but lesser amount is up to NUCW consideration.

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 Bank & deals 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 is worthy? 
      Ans:     *  Its long established >21-yrs old
                   *  Has large membership base; >6,000
                   *  No bad publicity yet despite huge membership base
                   *  Good profile of the Board & management team 
                   *  Deposit for new membership has risen; indicating the rise of its affluence. 

                   *  It's into business of financing with majority clients of Civil Servants
                       where the market is safer, sizeable & remain scalable.
                   *  The business returns are relatively high with safe margin;
                       (borrowing cost of 7-10% against lending rate is 12-18%)
                   *  the bad debts are minimal (<1%)
                   *  Nucw is also expanding into other profitable business 
                   *  It has commendable assets
                       - Has lend-out RM35mil to borrowers (as of Dec-2024)
                       - Has 537ac of Palm oil plantation (producing & profitable)
                   *  Despite lock-in period of 3-yrs, premature withdrawal can be considered on pre-condition.
   
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:   How can Foreigners benefit by depositing with Nucw?
                   As compared to investing in their own country.
       And:    NUCW is said to done well if
                    *  Foreign countries rate of return is much lower than that of Nucw
                    *  Malaysian currency appreciated against the foreign currency
                     But the Depositor should know about moving money & tax
                     Btw, we have done comparison by countries based on returns & exchange rate over last 10-yrs for Malaysia, Singapore, India, Indonesia & China.
                       Pls take a look at https://www.bizmerger.com/home/article/290


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