Pengiraan Keuntungan Unit Trust

Keuntungan melabur di dalam unit trust dikira berdasarkan harga seunit semasa bagi dana tertentu.


Sila rujuk contoh di bawah ini:


Ali membeli 1,000 unit dalam dana Ittikal pada harga 50 sen seunit, maka kos belian adalah RM500. Setelah setahun harga bagi seunit dana Ittikal melonjak kepada 80 sen seunit.

Ini bermakna Ali telah memperolehi keuntungan 30 sen bagi setiap unit, maka keuntungan keseluruhan sebanyak RM300 (0.30 x 1,000 unit).


Sebaliknya jika harga seunit turun kepada 40 sen, bermakna Ali telah megalami kerugian sebanyak 10 sen setiap unit iaitu sebanyak RM100 kerugian keseluruhan (0.10 x 1,000 unit).

Sila rujuk prospektus harian untuk mengetahui harga bagi seunit semasa bagi dana tertentu.

Conventional Fund Types

Various conventional funds provided by Public Mutual. Below just some of it:

Equity Funds

* Public Savings Fund
* Public Growth Fund
* Public Index Fund
* Public Industry Fund
* Public Agrressive Growth Fund
* Public Regular Saving Fund
* Public Smallcap Fund
* Public Equity Fund
* Public Focus Select Fund
* Public Dividend Select Fund
* Public Far-East Fund
* Public Regional Sector Fund
* Public Global Select Fund
* Public Far-East Dividend Fund
* Public China Select Fund

Bond Funds

* Public Bond Fund
* Public Institutional Bond Fund
* Public Enhanced Bond Fund
* Public Select Bond Fund

Money Market Bond Fund

* Public Money Market Fund


Balanced Fund
* Public Balanced Fund
* Public Far-East Balanced Fund
* Public Global Balanced Fund


For more details, please click about unit trust product.

Approved Funds for EPF Investment

Not all fund you can invest with EPF.

For example, this is the list of Public Mutual's funds that are approved for EPF investment:


Equity Fund (Shariah)
* Public Islamic Dividend Fund
* Public Islamic Equity Fund
* Public Islamic Optimal Growth Fund
* Public Islamic Sector Select Fund
* Public Islamic Select Treasure Fund
* Public Islamic Select Enterprises Fund


Balanced Fund (Shariah)
* Public Islamic Balanced Fund


Money Market Fund (Shariah)
* Public Islamic Money Market Fund


Equity Fund
* Public Index Fund
* Public Regular Savings Fund
* Public Sector Select Fund


Bond Fund
* Public Select Bond Fund


Money Market Fund
* Public Money Market Fund


For more details, please visit EPF Approved Fund in Public Mutual website.

Did u qualified for EPF Members Investment

Eligible/Qualified:

Ken is 31 years old. From his EPF statement, account 1 amount is RM 30, 000. According to Basic Saving Table, his basic saving must be RM 20000.EPF will calculate like this:(RM 30, 000 - RM 20,000) x 20% = RM 2000.



Minimum amount Ken can invest is RM 1000 (minimum amount must be at least RM 1000 to be qualified) and maximum amount is RM 2000.



Not Eligible/Unqualified:

Case A

Today Sarah is 18 years old. He check from his i-Account (EPF online Account) , account 1 amount is RM 2000. According to Basic Saving Table, his basic saving must be RM 1000.EPF will calculate like this:(RM 2000 - RM 1000) x 20% = RM 200. Sarah is not qualified to invest because the result is less than RM 1000.



Case B

Nani is 22 years old. From his EPF statement, account 1 amount is RM 4, 000. According to Basic Saving Table, his basic saving must be RM 5000. Nani is not qualified to invest because account 1 is lesser than basic saving.

Kelayakan pelaburan skim KWSP

Mulai 1 November 2007, KWSP telah melaksanakan beberapa pembaharuan dalam SKIM KWSP secara berperingkat di bawah inisiatif strategik ’Bukan Hanya Simpanan’ seperti mana yang diperuntukkan di bawah Akta KWSP 1991 (pindaan 2007). Ini termasuklah inisiatif untuk memperkenalkan Simpanan Asas bagi menentukan amaun yang layak dilaburkan oleh ahli daripada Akaun 1 di bawah Pengeluaran Pelaburan Ahli (PPA).

Definisi Simpanan Asas

Simpanan Asas ialah satu jumlah simpanan dalam Akaun 1 yang ditetapkan mengikut umur bagi membolehkan ahli memperoleh simpanan sekurang-kurangnya RM120,000 pada umur 55 tahun. Ahli boleh melaburkan simpanan dalam Akaun 1 yang melebihi simpanan asas dalam produk dan menerusi insititusi pelaburan yang diluluskan oleh Menteri Kewangan.

Syarat-syarat Yang Ditetapkan
Mulai 1 Februari 2008, ahli boleh melaburkan simpanan di bawah PPA tidak melebihi 20% daripada jumlah simpanan yang melebihi Simpanan Asas dalam Akaun 1.
Pelaburan ini boleh dibuat setiap 3 bulan sekali dan jumlah minimum pelaburan ialah RM1,000.00.

Jumlah Simpanan Asas dan contoh pengiraan adalah seperti jadual disebelah (sila klik untuk paparan lebih jelas).
Syarat-syarat am prosedur di bawah Pengeluaran Pelaburan Ahli yang lain masih kekal dan tidak berubah.

DO & DONT'S before you start investing

Do

1. Decide which type of unit trust fund meets your saving needs.
2. Shop around for a reliable unit trust company
3. Check whether investment limits, frequency of income payments, etc, are suitable
4. Check past performance records
5. Do Keep Investing And Stay Invested
6. Do Diversify
7. Do Take Professional Advice
8. Do Give Your Investments Time To Grow.
9. Do read the prospectus and understand it before purchase. Go through with your consultant.

Don't

1. Don't choose any unit trust fund just because its performance has been good, make sure it is the right fund for you.
2. Don't pay too much attention to short term performance, good consistent performance over all periods is the best lead.
3. Don't decide on a unit trust fund just because it has low charges, good performance is far more important
4. Don't borrow to invest in unit trust unless you are absolutely aware of the risk involved.
5. Don't Invest All Your Money.
6. Don't Invest Money You Need Soon
7. Don't Get Emotional And Panic - be patient and think carefully
   
   

Interest to Invest, but HOW?

You're interested to invest but how does it works?

1. Contact the unit trust agent if you have his/her number. If you don't have the number, you can contact here or call unit trust company customer service. They will be happy to guide you or send an agent.


2. You will set an appointment with this agent and in the first meeting if you have done your homework you can ask anything related to unit trust investment.


3. You can ask for a copy of Prospectus, but make sure you read it don't just keep it. Some of the term inside the prospectus may be difficult to understand. Don't worry you can always ask the agent to explain.


4. You can ask the agent to come again and meet you in second meeting. Of course If you're satisfy in the first meeting, you can invest on the spot. Sometimes you can't decide and want to consider other options too. But remember you must make decision, don't let the agent waits for you. You must decide, so give yes or no. Within 3-4 days should be enough to think. If you still hesitate than answer no. Later when you're ready, maybe you want to call him/her again.


5. When you've decided to invest, completes the application form and returns it with your application money (if invest by cash) to your agent . But remember, if you want to invest in a large sum of money, it's necessary you prepare a cheque.


6. The agent will submit your application to the unit trust company. The Trustee receives the investor's money, pools it with other investors' money and purchases investments selected by the Fund Manager.


7. The Fund Manager issues statements of investment to investors showing the number of units purchased in the Fund and looks after the day-to-day management and administration of the Fund's investments to ensure optimal returns.


8. The Fund's investments are valued daily and the capital growth achieved is passed on to the investors through an increase in the value of units.


9. The Trustee distributes profits from the Fund annually through cash dividends to investors or if you decides to build up your investment, you can use the dividends to purchase additional units in the Fund. Usually if you pick the latter option the distribution will be automatically reinvested. Now you understand the process, if you decided to make an appointment, take the first step by contacting the agent.

source from unittrustguide.com