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
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
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