關於 pricing analysis ，我們在網路上蒐集到這些相關的討論、資訊與評價

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PRESS STATEMENT (IN REPLY TO RONNIE LIU)

I refer to the press statement from the State Assemblyman of Sungai Pelek, titled “Muhyiddin must come clean on the COVID-19 vaccine.” The State Assemblyman has claimed several inaccuracies, allegations, and misrepresentations that require answering in this statement.

I will answer them one by one.

1. The State Assemblyman has alleged that the mRNA vaccine will alter the DNA of a person. He has also questioned whether it will be approved by JAKIM based on the same premise.

Briefly, in our cells, mRNAs (messenger RNAs) are temporary molecules that are made from our genomic DNA before it is translated to make a protein. It is essentially a short-term, temporary message.
In this case, the temporary message instructs the body to produce one of the proteins on the surface of the coronavirus. The immune system will then learn to recognise the virus protein and produce antibodies against it. That’s all the mRNA vaccine does. It does not alter your DNA.

In response to State Assemblyman’s query if JAKIM will approve the vaccine since “it is capable of altering the DNA of a person?” The DNA issue has been addressed above. In addition, I have already stated that JAKIM is part of the Jawatankuasa Khas Jaminan Akses Bekalan Vaksin COVID-19 (JKJAV) which assesses COVID-19 vaccines. Furthermore, Minister in the Prime Minister's Department (Religious Affairs) YB Datuk Seri Dr Zulkifli Mohamad Al-Bakri clarified in Parliament, the Muzakarah (Conference) of the National Fatwa Council will study and deliberate on the matter.

2. The State Assemblyman has also questioned who will be paying for the vaccine. If he read beyond the headlines of the announcement, he would have seen that the Prime Minister has pledged that the Government will fund the public COVID-19 vaccination programme for Malaysians with an initial target of 70% of our population to reach herd immunity. The Malaysian Government has set aside at least RM 3 billion solely for this purpose.

3. The pricing of the Pfizer vaccine is covered by a non-disclosure agreement as each country negotiates directly with the pharmaceutical company. Suffice it to say we are satisfied with the terms and pricing that we have agreed upon. The terms we have reached protect Malaysia’s interests both financially and with regards to the safety of the vaccine.

I can categorically confirm that it is definitely less than the RM100 per dose as assumed by the State Assemblyman.

4. The State Assemblyman also claimed that we are rushing to sign deals with vaccine manufacturers. I can categorically say that this is false. We have been negotiating with vaccine manufacturers since April 2020 when we announced our Science Diplomacy strategy. We are considering all data provided by the companies we are negotiating with in order to make the best, most informed decision. This is just the first of many deals that we are considering. Negotiations are ongoing including with vaccine manufacturers from China (including the manufacturer which the State Assemblyman strongly champions). I would like to emphasise that the vaccines must be deemed safe and efficacious by the National Pharmaceutical Regulatory Agency (NPRA) under MOH before we execute the agreements and begin the vaccination process.

It is important to note that not any one pharmaceutical company will be able to supply vaccines for the entire Malaysian population. This is why the multi-pronged approach to procure a portfolio of vaccines is significant in order to obtain enough doses to meet our herd immunity target of 70% of the population.

5. With regards to the ultra-cold supply chain required; the shipment will be handled and delivered by Pfizer directly.

As for ultra-cold storage, we have ultra-low temperature freezers in universities and research institutes in the country which can be redeployed, if necessary. Pfizer has also shown that the vaccines are stable at 2-8 degree Celsius for five days.

We are also not getting the 12.8 million doses in one shot. They will be staggered throughout the year. Our planning for storage will take the delivery schedule into consideration.

6. MOH’s efforts during the crisis have not only been domestically praised but also internationally recognised. They have been working constantly and consistently to ensure that Malaysians have among the best standards of healthcare in the world. All of us will help where we can.

We are taking a whole-of-government approach to the COVID-19 crisis. It is all hands-on deck. Every one of my Cabinet colleagues is involved in this effort to get us through this pandemic.

On the question as to why I am involved, I co-chair the JKJAV with Health Minister, YB Dato’ Seri Dr Adham Baba. MOSTI is also involved in vaccine negotiations as the ministry in charge of biotechnology. The Malaysia Genome Institute under MOSTI is producing whole genome sequencing and bioinformatics analysis to detect mutations in the genome from COVID-19 samples.

MOSTI is also in the midst of developing a National Vaccine Roadmap. The National Institutes of Biotechnology (NIBM), Malaysia under MOSTI is collaborating with multiple foreign research institutes in vaccine development R&D as well.

I continue to welcome questions and queries on this important national endeavour.

KHAIRY JAMALUDDIN

30 NOVEMBER 2020

https://www.khairykj.com/statements/press-statement-in-reply-to-ronnie-liu

【好文分享】綠角說實話－金融產業的利益衝突與負面事件
　　　　　　　　
我很認同綠角的概念：金融業跟民眾的資產管理，本來就是一件有「利益衝突」的事！
　　　　　　　　
投資要挑對工具，才能讓你的績效不會輸在起跑點。也許現在的你還沒有準備好要投入投資與證券市場，但別忘了：那些滿臉微笑的銀行業者，都磨刀霍霍準備好了！
　　　　　　　　
不論是存錢、買基金、辦信用卡，每一項商品的背後都有它的「貓膩」(眉角)，你是否真的能夠安然走過這條都市叢林之路，躲過這些掠奪者的燒殺擄掠？
　　　　　　　　
沒有人站出來講真話給你聽，恐怕難上加難。

在許多讀者與投資朋友的眼中，金融業似乎是一個光鮮亮麗的行業。銀行有明亮寬敞的大廳，基金業者在高級飯店舉辦講座，研究員們一個個專心掌握全球局勢。

但請不要忘記，這個行業，就跟所有事業一樣，是要為自己賺錢的。提供他人有價值的服務，為自己賺錢，理所應得。但傷害客戶，為自己賺錢，天理難容。

身為投資人的我們，要小心的就是，金融業者是否在傷害我們，為自己獲取報酬。

第一個傷害，就是收取過高的費用。

投資成果，就是錢。金融業者收太多錢，你的績效就不會好。這是基本原理。

任何告訴你投資不需要在意成本的人，你一定要知道，他不懂投資。

假如這個人還在金融業服務，你要知道，他可能懂，但他覺得你不必，也不需要懂。

在台灣發售的境外基金，常是美國同一支基金的高費用版本。買一樣的東西，台灣人就是要付比較多錢。

這問題我在2008就寫文章講過，到今天仍是一樣。請見:
投資界的次等公民(Exploited Investors)
http://greenhornfinancefootnote.blogspot.com/…/exploited-in…

原因就在於，很可悲的是，許多台灣投資人仍對此毫無所知，或是甘願買次等產品。

台灣當地的基金，不僅買賣要收手續費，普遍還有內扣費用太高的問題。

請見:
2013 Investment Company Factbook讀後心得1---台灣基金投資成本過高
http://greenhornfinancefootnote.blogspot.tw/…/2013-investme…

大跌保證基金(Mutual Funds with Extreme High Expense Ratios)
https://greenhornfinancefootnote.blogspot.tw/…/mutual-funds…

台灣投信基金2018全年費用整理1---不要再當基金冤大頭了
https://greenhornfinancefootnote.blogspot.com/…/…/20181.html

連台灣當地的ETF，都有內扣費用過高的問題，請見:
觀看台灣ETF費用有感---ETF未必是低成本(ETF with High Expense Ratios)
https://greenhornfinancefootnote.blogspot.com/…/etf-etfetf-…

台灣投信業者不僅自己收較高的經理費，連給合作券商的交易手續費，都給的特別大方，請見:
台股基金過高的股票交易費用(Soft-Dollar Arrangement in Mutual Fund Business in Taiwan)
http://greenhornfinancefootnote.blogspot.com/…/soft-dollar-…

基金這些法人，買賣股票要比散戶付更高的手續費呢?

這是什麼理由?

任何有點基本常識的人，都會知道這是非常荒謬的事情。資產管理公司是這樣”認真”、”小心”看管投資人託付的資產嗎?

收費高，還帶來很有問題的服務。

多家基金公司，淨值計算錯誤:
基金會計錯誤(Error in Mutual Fund NAV Calculation)
http://greenhornfinancefootnote.blogspot.com/…/error-in-mut…

在賣出理由的說明文件中，卻說該支股票值得買進。這種明顯矛盾是怎樣的”專業”資產管理?
他們怎樣用你的錢?(How is Your Money Managed?)
http://greenhornfinancefootnote.blogspot.com/…/how-is-your-…

一家資產管理公司，在美國調降費用，在台灣，運用特別”手段”，調高經理費:
橘越淮而為枳---一家基金公司的故事(Different Pricing Policies of BlackRock)
http://greenhornfinancefootnote.blogspot.tw/…/different-pri…

利用職務取得的資訊，傷害投資人權益:
以職務之便，謀取私利(Corrupted Mutual Fund Business)
http://greenhornfinancefootnote.blogspot.tw/…/corrupted-mut…

還有基金銷售管道的大問題，把根本不適合的工具賣給客戶。嚴重傷害客戶財務，只為自己的手續費收入。吃相非常難看。
台灣的高收債亂象(High Yield Is Not Guarantee for High Return)
https://greenhornfinancefootnote.blogspot.com/…/high-yield-…

當年喧騰一時的盈正案:
盈正案後續調查結果(An Investigation that Yields Almost Nothing)
http://greenhornfinancefootnote.blogspot.tw/…/an-investigat…

壽險業者也有問題:
指數化投資甚少被提及的優點—從南山人壽經理人事件談起
http://greenhornfinancefootnote.blogspot.com/…/blog-post.ht…

還有這種費用高到不知道有什麼優點，有什麼買進理由的保單:
變額年金險費用解析—我的批評(Analysis of Variable Annuity Fees and Charges---The Untold Truth.)
http://greenhornfinancefootnote.blogspot.com/…/analysis-of-…

美國基金業者一樣出過包:
2003基金醜聞(The 2003 Mutual Fund Scandal—Late Trading and Market Timing)
http://greenhornfinancefootnote.blogspot.com/…/2003the-2003…

資產管理公司的貪婪(The Greed of Asset Management Company---The Citigroup Scandal)
http://greenhornfinancefootnote.blogspot.com/…/greed-of-ass…

討論這些事情，並不要揭人瘡疤，讓人難看。而是要讓身為投資人的我們，更有警覺。不要被騙了還不知道。

很多金融業者的運作原則，是把自身獲利放在無比的崇高地位。高到連傷害客戶，都是可以允許的。

請小心，不要遇上這樣的業者。

自己的錢財要靠自己小心看管。