bijak wang - unit amanah

8/14/2019 bijak wang - unit amanah

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UNIT AMANAH

SUMBER: HIJRAH WEALTH MANAGEMENT
http://www.pdfcomplete.com/cms/hppl/tabid/108/Default.aspx?r=q8b3uige22


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Kelebihan Unit Amanah

http://www.pdfcomplete.com/cms/hppl/tabid/108/Default.aspx?r=q8b3uige22http://www.pdfcomplete.com/cms/hppl/tabid/108/Default.aspx?r=q8b3uige22


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Kelemahan Unit Amanah



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Pulangan Dana Unit Amanah



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Penentuan Harga Unit



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Penentuan Harga Unit


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Bagaimana Memilih Unit Amanah?



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Bagaimana Memilih Unit Amanah?



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Unit Amanah Islam



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Struktur Unit Amanah Islam

PemegangAmanah

SyarikatPengurusan

PemegangUnit

SuruhanjayaSekuriti Surat Ikatan

Amanah

Jawatan

Kuasa/Penasihat

Shariah



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Kelebihan Unit Amanah Islam



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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



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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%



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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 )



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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



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Prestasi Pelaburan

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