UNIT AMANAH

SUMBER: HIJRAH WEALTH MANAGEMENT

Kelebihan Unit Amanah

SUMBER: HIJRAH WEALTH MANAGEMENT

Kelemahan Unit Amanah

SUMBER: HIJRAH WEALTH MANAGEMENT

Pulangan Dana Unit Amanah

SUMBER: HIJRAH WEALTH MANAGEMENT

Penentuan Harga Unit

SUMBER: HIJRAH WEALTH MANAGEMENT

Penentuan Harga Unit

Bagaimana Memilih Unit Amanah?

SUMBER: HIJRAH WEALTH MANAGEMENT

Bagaimana Memilih Unit Amanah?

SUMBER: HIJRAH WEALTH MANAGEMENT

Unit Amanah Islam

SUMBER: HIJRAH WEALTH MANAGEMENT

Struktur Unit Amanah Islam

PemegangAmanah

SyarikatPengurusan

PemegangUnit

SuruhanjayaSekuriti Surat Ikatan

Amanah

JawatanKuasa/Penasihat

Shariah

SUMBER: HIJRAH WEALTH MANAGEMENT

Kelebihan Unit Amanah Islam

SUMBER: HIJRAH WEALTH MANAGEMENT

Contoh Pengiraan I

Tarikh Jumlah Pelaburan

(a)

Caj/Yuran Jumlah Yang Dilaburkan

(d = a - c)

Harga Seunit(RM)(e)

Bilangan Unit(f = d/e)%

(b)Jumlah

(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

Contoh Pengiraan II

Tarikh Jumlah Pelaburan

BilanganUnit

Purata Kos Pegangan

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 2003

Investor'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

UNIT TRANSACTIONBuying 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 staff of 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

Prestasi Pelaburan