HTC One (M7) Android smartphone launched

HTC just launched a new Android smartphone in London just now. It will be made available to the market from 15 March 2013 onwards.

This widely anticipated HTC One (a.k.a. M7) features the following:

• All aluminium body frame, zero gap construction
• Platform: Android 4.1.2 (Jelly Bean) with HTC Sense 5
• Size: 137.4 x 68.2 x 9.3mm
• Weight: 143 gram
• Display: 4.7 inch, Full HD 1080p (1920x1080), 468 ppi, Super LCD 3
• CPU: Qualcomm Snapdragon 600, quad-core 1.7 GHz
• RAM: 2GB DDR2
• Storage: 32/64GB internal
• Network: HSPA, WCDMA, GSM, GPRS, EDGE
• NFC, Bluetooth 4.0, WiFi 802.11 a/ac/b/g/n, DLNA
• Infrared remote control to home appliances (TV, DVD player, etc.)
• micro-USB 2.0 (5-pin) port with mobile high-definition video link (MHL) for USB or HDMI connection
• Dual front facing speakers with integrated amplifiers
• Beats Audio
• HDR microphone
• Sense Voice
• HTC Ultrapixel camera with dedicated HTC ImageChip 2, 2.0 micrometer pixel, F2.0 aperature, 28 mm lens, 1/3' sensor, Optical Image Stabilization (OIS) and Smart Flash
• Front Camera: 2.1 MP, 88⁰ wide angle lens with HDR capability
• 1080p Full HD video recording for both front and back cameras
• HDR Video
• GPS: Internal GPS antenna + GLONASS, Digital compass
• Sensors: Gyro sensor, Accelerometer, Proximity sensor, Ambient light sensor
• SIM card type: MicroSIM
• Battery: 2,300 mAh Li-Polymer
• HTC Zoe, HTC BoomSound, HTC BlinkFeed, HTC Sense TV

It seems that this HTC phone won't support for microSD external storage and LTE network. The battery is also non-removable.

Watch the HTC One commercial below:

Will HTC make a turn back and snatch back its market share lost to Samsung Galaxy series of smartphone with this new Android smartphone? Time will tell...

CNY red packet (ang pow) money in Singapore, Malaysia, Hong Kong, Taiwan and China

TNS has conducted a study in January 2013, covering 5000 people over the age of 20 in Singapore, Malaysia, Hong Kong, Taiwan and Mainland China, about their Chinese New Year planning and spending to celebrate the festival.

Among the questions asked in the study, there are 2 questions related to red packet (a.k.a. ang pow) money:

• Average amount of red packet you give out to each individual during Chinese New Year
• What is the total amount of red packet money you allocate for CNY each year?

And the result for Singapore, Malaysia, Hong Kong, Taiwan and China in their respective local currency is as below:

Converted to US dollar, the result for comparison is as below:

It seems that Taiwanese allocates the most red packet amount for each of their family members, while Hong Kong people are pretty generous in red packet given to their relatives, friends, colleagues and employees.

To see the full result of the said TNS study, you need to have Adobe Flash Player installed and:

• Click here for Singapore
• Click here for Malaysia
• Click here for Hong Kong
• Click here for Taiwan
• Click here for China

Note: I faced problem opening the page in Internet Explorer 9, but no problem with Google Chrome,  Firefox and Opera.

EPF declared 6.15% dividend for 2012

Few hours ago, the Employees Provident Fund (EPF, a.k.a. KWSP) has just declared the dividend rate for financial year 2012 to be 6.15%, which is 0.15% higher than the 6.00% dividend declared for 2012 (last year).

This is the highest dividend rate declared by EPF over the past 10 years.

If you have already registered as an EPF i-Akaun member to access your EPF account detail with their online service, you can login to your online account now and check the actual amount of dividend in RM added to your EPF account by viewing your 2012 online statement.

With this dividend rate, it seems that those who have withdrawn their EPF Account II savings to reduce their housing loan during 2012 might be regreted to do so, as the effective mortgage rate is generally lower than 6.15% in 2012, due to a lower housing loan financing rate along the year (BLR-2.4% = 6.6%-2.4% = 4.2%).

If you have withdrawn your EPF Account I savings for investment in unit trust or fund, your fund manager has outperformed EPF if your 2012 ROI in the fund is greater than 6.15%. Otherwise, you might want to meet up with your unit trust agent or fund manager to find out what's wrong.

In 2012, EPF has put the highest proportion of its investment portfolio into the equities (share) market, forming 38.77% of the portfolio.

The EPF 2012 investment return is reported as below:



 

Therefore, EPF's return of investment (ROI) for year 2012 is 31,024.94/469,035.43 = 6.6146%. Among them, the EPF's equities ROI for year 2012 is 13,912.54/162,089.56 = 8.5832%. However, in their announcement, EPF says their equities ROI is 10.06% instead.

The KLCI at 30 December 2011 (Friday) closed at 1,530.73 with  volume of 1.329 billion and value traded at 1.528 billion. The KLCI at 31 December 2012 (Monday) closed at 1,688.95 with volume of 0.835 billion and value traded at 1.314 billion.

Therefore, the ROI of KLCI in 2012 is (1,688.95-1,530.73)/1,530.73 = 10.3362%

This means that the ROI of EPF in equities portion is lower than the ROI of KLCI!

Click here to read the official announcement from EPF, and the investment structure of EPF in 2012, etc.

Source of the chart and tables above are from EPF website:

• Chart for historical dividend rate
• Tables for 2012 and 2011 investment proportion and return