Unit Amanah vs Simpanan Tetap vs Simpanan Biasa

UNIT AMANAH (Unit Trust)
Merupakan satu pelaburan kolektif dengan pengurusan dana secara profesional dan melalui pemantau pemegang amanah.

Kebaikan
- Risiko diagihkan supaya terkawal
- Mudah cair (liquidity)
- Diuruskan secara professional
- Modal permulaan yang rendah
- Mudah top up dengan nilai serendah RM100

Keburukan
- Tertakluk kepada beberapa jenis profail risiko.

SIMPANA TETAP (FD)
Merupakan pelaburan yang menjamin kadar pulangan tetap pada tarikh matang

Kebaikan
- Pulangan dijamin
- Risiko hampir tiada

Keburukan

- Kadar pulangan (4%) tidak dapat menyayingi kadar inflasi masakini (7%).

- Tidak dapat pulangan sekiranya dikeluarkan sebelum tempoh matang.

- Tidak sesuai sekiranya mahu mengamalkan penambahan simpanan secara top-up.

SIMPANAN BIASA

Simpanan wang yang memberikan kadar faedah yang kecil samaada dua kali setahun ataupun bulanan.

Kebaikan

- Tahap kecairan yang tinggi

- Risiko hampir tiada

Keburukan

- Kadar pulangan (2%) tidak dapat menyayingi kadar inflasi masakini (7%).

- Dalam jangka masa panjang objektif menabung gagal dicapai kerana kikisan kuasa membeli

-Simpanan mudah menyusut kerana dapat mengeluarkan wang pada bila-bila masa sahaja

Artikel dipetik dan diolah dr buku Rahsia Melabur dalam Unit Amanah.

ASB vs Unit Amanah Swasta (Unit Trust)

Amanah Saham Bumiputera :

• Hanya dibuka untuk pelabur Bumiputera sahaja
• Risiko pelaburan tetap ada tetapi pelaburan ini dilindungi/dijamin oleh kerajaan
• Harga unit sahamnya adalah tetap iaitu Seunit = RM1. Jadi harga belian dan jualan adalah tetap dan tidak berubah. Para pelabur tidak perlu risau akan masa (timing) yang sesuai untuk menjual (mengeluarkan) unit-unit yang telah dilaburkan;
• Berdasarkan prestasi pada tahun-tahun lepas. Kadar pulangan (return) adalah sekitar 6-7% untuk dividen manakala bonus pula adalah sekitar 1-2% setahun
• Tiada sebarang kos yang dikenakan terhadap pelabur seperti yuran pengurusan (management fee) dan yuran tahunan (annual fee)

Unit Amanah Swasta (Unit Trust):

• Terbuka kepada pelabur bumiputera dan bukan bumiputera.
• Mempunyai profail risiko yang tersendiri (profail yang berbeza-beza) bergantung kepada status dana-dana tersebut. Dana-dana tersebut terdiri daripada dana agresif, dana seimbang dan dana konservatif.
• Harga seunit unit amanah berubah-ubah dari semasa ke semasa. Contohnya untuk hari ini harga jualan seunit adalah RM0.25 seunit dan mungkin keesokkan harinya RM0.28 seunit. Pelabur harus bijak dan peka dengan harga pasaran semasa sebelum membuat pembelian atau penjualan unit amanah. Beli unit amanah pada harga yang rendah dan jual pada harga yang tinggi untuk memaksimumkan keuntungan. ( For me, it’s not when to buy but when to sell it. Everyday is a good day to buy... Market moves in cycle..).
• Berdasarkan prestasi pada tahun-tahun lepas, kadar pulangan bagi Unit Amanah adalah sekitar >12% ke atas. Pulangan adalah dalam bentuk Dividen/Distribution, Peningkatan modal/Capital gain, dan juga bonus.
• Terdapat yuran pengurusan (management fee) yang dikenakan terhadap pelabur. Sebagai contoh, untuk pelabur yang melabur di Public Mutual mereka akan dikenakan yuran pengurusan sebanyak 5.5% untuk pelaburan tunai atau 3% untuk skim epf dan yuran tahunan (annual fee) sekitar 1.5%.

Sebagai pelabur, kita harus tahu bahawa setiap pelaburan unit amanah pasti mempunyai risiko. Berbanding dengan ASB, risiko tetap ada tetapi dikawal oleh kerajaan dan disebabkan itu jugalah pulangan yang diperolehi oleh para pelabur tidaklah setinggi Unit Amanah yang mempunyai profil risiko yang tersendiri. Semakin tinggi jumlah pulangan yang bakal diperolehi maka semakin tinggi jugalah profail risiko dana tersebut.

Apa yang pasti ASB sangat baik sebagai tabung kecemasan apabila kita memerlukan wang dengan cepat. Manakala Unit Amanah pula sesuai untuk mencapai objektif pelaburan jangkamasa sederhana atau panjang. Seharusnya, seorang pelabur yang bijak harus mengambil tahu tentang profail dana, prestasi, dan risiko sebelum membuat pelaburan. Pilihan di tangan anda.

Why Should I Start Investing Today?

Today's decision should consider tomorrow's needs. There is a direct relationship between the amount of money you need to accumulate and the number of years you have to do it.

For example, if you plan to have a RM120, 000 education fund, have 20 years to do it, and expect an annual rate of return of 12%, you have to invest only a little over RM120 a month. Wait 5 years, and with 15 years left you will need over RM240 a month. Procrastinate another 10 years; you will have to take almost RM1, 470 each month!

Time can be a real asset when planning for a child's education or our retirement. The more time we have to save, the fewer ringgit we need now. Do not let time slip away.

Why Choose Unit Trust?

With the proliferation of various types of investment products in recent years, people often look for a straight forward, professionally managed investment opportunity that caters for basic investment needs.

Children's Education
Unit trust can help you to cover the spiraling cost of education for your children or grandchildren. The sooner you start your plan, the lesser will be the burden. Time can be your greatest ally.

Home Ownership
Unit trust can help you to pay off your mortgage earlier, purchase a bigger house or upgrade your existing house. As with any plan, start early. Many bricks build a castle.

Retirement
Growing old and retiring is inevitable. It is never too early to plan for retirement even though you have the comfort of the Employees' Provident Fund (EPF). You have the right and choice to retire in dignity. Retire comfortably. Plan a nest for your retirement home, orchard and the likes. Unit trust can help do the job.

Cash Reserves
The only certainty in life is the uncertainty or unexpected emergencies. Unit trust can help you to set aside some cash for rainy days.Regardless of your own needs and wants, unit trust makes sense, for potential return and security.

Inflation vs Unit Trust Return

Do you know with 7% inflation, your RM100 000 will shrink to half of it (RM50 000) in 10 years time?
Yes, it’s true!!
We don’t want this to happen and we have to find ways to double up our money right? But how?
You can do it with Unit Trust as your Investment vehicles. There are generally 3 types of fund which suit your risk appetite. Balance fund with 6% return and it will takes 12 years to double up your money. Moderate fund with 12% return and it will takes 6 years to double up your money. Finally, Aggressive fund with up to 20% return and you only have to wait for 3.6 years to double up your money… (these are standard return p.a. for unit trust industry).So, don’t wait any longer.. The soonest you invest, the soonest you can double up your money

Am I the Right Profile Investor?

In general these are Unit Trust Investor Profiles

• Looking for medium to long term investment : buy house, car, children education, marriage, retirement etc.
• Seeking for diversified investment portfolio that can be easily liquidate.
• Investor who have no time or expertise to manage their own investment.
• and last but not least, ofcourse you have to have money to invest either by cash or epf scheme :)

Solid Reasons To Invest in Unit Trust

Professional Investment Services at Low Cost
You have full-time professional fund managers to manage your investments for you. Investment decisions are backed by extensive research, market analysis and vigilant monitoring of the economic and market environments.

Diversification Opportunities
By investing in unit trust funds, you have the opportunity to spread your money over a diversified portfolio of assets which otherwise may not be possible on your own.

Affordable
As the minimum initial investment amount in most unit trusts is relatively low, they are affordable as compared to direct investment in securities.

Spread of Risk
Risks are spread over a wide variety of securities in different sectors. As a result, the risks are reduced.

Liquidity
Unlike fixed deposits which have fixed maturing dates, or properties investment which have to wait for potential buyer, unit trust Fund can be redeemed on any Business Day.

What is actually Unit Trust?

• It is an investment scheme that pools money from many investors who share the same financial objectives.
• Presenting you with the opportunity to invest with a minimum of RM1000 to assume the power of millions of ringgit.
• Professional fund managers to invest your hard earned money.
• Advantage of enjoying the benefits of a large and diverse portfolio.

Okey.. What are Shariah–based Unit Trust Funds then?

• Shariah-based collective investment schemes.
• Offer investors the opportunity to invest in a diversified portfolio of Islamic capital market instruments.
• Managed by professional fund managers in accordance with Shariah requirements.
• Appointed Shariah Committee or Shariah Adviser will ensure that the funds’ operations and investments are in accordance with Shariah requirements.