bijak wang - unit amanah
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8/14/2019 bijak wang - unit amanah
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UNIT AMANAH
SUMBER: HIJRAH WEALTH MANAGEMENT
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Kelebihan Unit Amanah
SUMBER: HIJRAH WEALTH MANAGEMENT
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Kelemahan Unit Amanah
SUMBER: HIJRAH WEALTH MANAGEMENT
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Pulangan Dana Unit Amanah
SUMBER: HIJRAH WEALTH MANAGEMENT
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Penentuan Harga Unit
SUMBER: HIJRAH WEALTH MANAGEMENT
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Penentuan Harga Unit
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Bagaimana Memilih Unit Amanah?
SUMBER: HIJRAH WEALTH MANAGEMENT
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Bagaimana Memilih Unit Amanah?
SUMBER: HIJRAH WEALTH MANAGEMENT
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Unit Amanah Islam
SUMBER: HIJRAH WEALTH MANAGEMENT
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Struktur Unit Amanah Islam
PemegangAmanah
SyarikatPengurusan
PemegangUnit
SuruhanjayaSekuriti Surat Ikatan
Amanah
Jawatan
Kuasa/Penasihat
Shariah
SUMBER: HIJRAH WEALTH MANAGEMENT
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Kelebihan Unit Amanah Islam
SUMBER: HIJRAH WEALTH MANAGEMENT
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Contoh Pengiraan I
Tarikh J umlahPelaburan
(a)
Caj/Yuran J umlah YangDilaburkan
(d =a - c)
Harga Seunit
(RM)
(e)
Bilangan Unit
(f =d/e)%
(b)
J umlah
(c =a x b)
1/9/2007 RM1,000.00 5.5 RM55.00 RM945.00 0.2500 3,780
1/3/2008 RM1,000.00 5.5 RM55.00 RM945.00 0.2550 3,706
1/9/2008 RM1,000.00 5.5 RM55.00 RM945.00 0.2450 3,857
1/3/2009 RM1,000.00 5.5 RM55.00 RM945.00 0.2350 4,021
RM4,000.00 15,364
Purata Kos Pegangan = Jumlah pelaburan/bilangan unit
= RM4,000/15364
= 0.2603
SUMBER: HIJRAH WEALTH MANAGEMENT
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Contoh Pengiraan II
Tarikh J umlahPelaburan
BilanganUnit
Purata KosPegangan
Harga Unit(Semasa)
Nilai Pelaburan
RM Pulangan
1/9/2009 RM4,000.00 15,364 0.2603 0.3500 RM5,377.40 RM1,377.40
Peratus Pulangan = (Jumlah Pulangan/Jumlah Pelaburan) x 100%
= RM1,377.40/4000
= 0.3444 x 100%
= 34.44%
Purata Peratus Pulangan Tahunan = Peratus Pulangan/Tempoh Pelaburan
= 34.44% / 2 tahun
= 17.22%
SUMBER: HIJRAH WEALTH MANAGEMENT
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Membaca Maklumat Produk
Name of Fund: ABC
Category of Fund: Equity Fund (Shariah)
Approved Fund Size: 6.0 Billion Units
Launch Date: 28 May 2003Investor's Risk Profile: Aggressive
Fund Objective:
To achieve capital growth through a
diverse selection of growth stocks that
complies with Shariah Principles.
FEES & CHARGES: Service Charge
Up to 6.5% of NAV per unit
Repurchase Charge: Nil
Annual Management Fee:1.5% per annum of the NAV
Management Expense Ratio(%)
1.58 (for Financial Year Ended 31 May
2006)
Annual Trustee Fee:
0.06% per annum of NAV, subject to a
minimum fee of RM18,000 and a
maximum fee of RM450,000 per annum.
Nama Unit Amanah ( Dana )
SUMBER: HIJRAH WEALTH MANAGEMENT
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UNIT TRANSACTION
Buying and Selling of Units At NAV per unit (Forward Pricing). Upon the purchase of
units of the fund by investors, a service charge of up to 6.5% is levied. The Manager
does not impose a repurchase charge on the sale of units of the fund by investors.
Initial Investment RM1,000
Additional Investment RM100
Cooling-Off Period Investors who are investing with Unit Trust Management Co for
the first time may exercise their cooling-off right within 6 business days from the
date of receipt of the application form by UTMC and receive a full refund of the
investment paid within 10 days of receipt of cooling-off notice by the Manager. For
EPF unitholders, the cooling-off is subject to EPF's terms and conditions. This
cooling-off right, however, shall not extend to a corporation or institution, the staffof UTMC , and persons registered to deal in its unit trust funds.
Repurchase of Units Unitholders may redeem units on any Business Day and receive
payment of repurchase proceeds within 10 days.
Membaca Maklumat Produk
SUMBER: HIJRAH WEALTH MANAGEMENT
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Prestasi Pelaburan
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