Unit Trust

Wealth Management test

Unit Trust

Features

Investment planning is the strategy that outlines your investment goals and the suitability of an investment instrument to achieve those goals. The amount to be invested also depends on available cash or asset, experience of an investor, risk tolerance and financial goals of each investor.

Unit trust is a collective investment which allows individual investors to combine their monies into a single fund, thus spreading the risks across different investment instruments or sectors.
Unit trust investment objective: investment to generate income or growth through big and small firms and in different geographical areas.
Unit trust is one form of investment on shares of companies, properties, commodity or other instruments.
The price of unit trust is dependent on the base price of each unit trust and the performance of the instrument selected by the investors like shares/unit trust or others.

Privileges

Unit trust investors could benefit from many advantages that are not usually applicable for individual investors. Among the benefits are:

Affordability
- Unit trust investments require a minimal capital outlay as most funds accept both small and large investments, making it affordable for the average investor to get started.
Portfolio Diversification
- Unit Trust investments allow the investor to invest in a broader range of securities than they would be able to when investing on their own. Diversification minimises exposure to any one type of risk.
Continuous Professional Management
- Unit trust funds are managed by professional and full-time fund managers who have the necessary skills, relevant experience and dedicated resources to maximise investments. This takes the worry out of the day-to-day decision whether to buy or sell a financial asset – the fund manager does it all for you.

Unique Features

Selection of the best Islamic Unit Trust Funds in the market
Unit trust investment based on investors’ risk tolerance
COMPLIMENTARY of advisory services by Bank Rakyat’s Wealth Management Advisor

Method of Investing Unit Trust

Cash – A lump sum payment(s) on the initial investment and/or additional investment(s)
*Note: New subscription for cash transaction is currently unavailable due to system maintenance until further notice.
EPF – Periodic based on age and EPF’s terms and conditions (applicable for certain funds)

Eligibility

Investment in Unit Trust funds are offered to:

Individual applicant:
1. Malaysian citizen
2. Must be 18 to 65 years of age
3. In case of joint investment; the principal investor must be 18 years of age and above. Joint investor can be of any age
4. Applications in joint names are limited to two persons only.
Institutional applicant – Companies, co-operatives, societies, sole proprietors, institutions, etc.

Minimum investment amount starts at RM500* (*Varies with different funds)

Fund Houses

AmFunds Management Berhad - Prospectus

Ambon Islam
AmIttikal
AmIslamic Growth
AmIslamic Balanced
AmOasis Global Islamic (Now: Global Islamic Equity)
AmAl-Amin
Precious Metals Securities

Principal Asset Management Berhad - Prospectus

Principal Islamic Asia Pacific Dynamic Equity Fund
Principal Islamic Lifetime Balanced Fund
Principal Dali Asia Pacific Equity Growth Fund
Principal Dali Equity Growth Fund
Principal Islamic Money Market Fund