Financial
Planning with
Unit Trust
MAIMUNAH KHAIRUDDIN
Unit Trust Consultant
5 Pillars
Other than retirement, what are your BIG
WHYs?
Children education?
Hajj?
Travel?
Buy house, cash?
How much needed for all these goals?
TABUNG PERSARAAN? BERAPA?
A G E: 3 2 Y O
A G E ( TO RE TI RE) : 6 0 Y O
( I N 2 8 Y EA R S T I M E)
RE T I REM E N T PE RI O D : 2 0 Y E A R S
HOW MUCH A RETIREE NEEDS A MONTH?
EG RM2,000/MONTH
I N 2 8 Y E A R S T I M E , W I T H I N F L AT I O N O F 3 % A
YEAR
RM2,000 WILL BECOME RM4,800/MONTH
RETIREMENT FUND:
RM4,800 X 12 MONTHS X 20 YEARS =
RM1,100,000!
[Link]
WORKSHEET RINGKAS
MYFASTFORYOU/I-BUD I BIJAK URUS DUIT 9
CABARAN PILIH INSTRUMEN
MYFASTFORYOU/I-BUD I BIJAK URUS DUIT 10
RULE 72
RM 10,000
RULE 72: PENGIRAAN
72/X% Number of years
(To double)
1% 72 years
4% 18 years
6% 12 years
8% 9 years
10% 7 years
MYFASTFORYOU/I-BUD I BIJAK URUS DUIT 13
RULE 72: PENGIRAAN
Higher future value
Calculate: RM100 monthly for 30 years
72/X% Number of years FUTURE VALUE
(To double) (RM)
1% 72 years RM45K
4% 18 years RM70K
6% 12 years RM100K
8% 9 years RM150K
10% 7 years RM227K
MYFASTFORYOU/I-BUD I BIJAK URUS DUIT 14
/A$b/TH
AMANAH SAHAM (UNIT TRUST)
Shariah-based unit trust is a Shariah-compliant collective
investment scheme that allows investors with similar investment
objectives to pool their funds together.
WHY UNIT TRUST IS THE BEST CHOICE
[Link] returns for manageable risk
Potential higher rate of return as compared to existing investment
2. Liquidity
Redemption can take place at any time, upon reaching the investment objective as compared to a
fixed tenure
3. Professional Management
Highly qualified Fund Managers
4. Tax Free Investment
Your return from the investment will be tax free.
5. Hedge against Inflation
Higher returns provide a natural hedging mechanism against inflation
(average 10 years inflation rate is 3.66%)
Good return in the Unit Trust investment
seems to have 4 common elements..
They invest with the RIGHT COMPANY
They invest in the RIGHT PROVEN track record fund
They invest with the RIGHT STRATEGY
They invest with the RIGHT CONSULTANT
MYFASTFORYOU/I-BUD I BIJAK URUS DUIT 22
1 Element:
st
THE RIGHT COMPANY
WHY PUBLIC MUTUAL?
34 LIPPER AWARD IN 2020
WITH 46 YEARS EXPERIENCE, RM100 BILLION NET ASSET VALUE
> 5-8 years, preferably 10 years (LLLB)
2 Element:
nd Regular investment (monthly, 3monthly)
(Ringgit-cost Averaging Strategy)
THE RIGHT
STRATEGY
Buy low sell high
Lock profit when achieve targeted return
(switch to Equity when there is
correction)
RINGGIT COST AVERAGING
(RCA)
Power of Compounding
The Benefits of Starting Early
The earlier you start investing, the greater the accumulated return on your original investment. This is
due to the effects of compounding yield.
CONTOH TABUNG PERSARAAN: COMPOUNDED RETURN
Monthly investment of RM100, RM300, RM500, RM1,000 and
RM5,000 for 30 years.
Compounded return of 8%, 10% and 12%
Total Service
8% 10% 12% investment charge
(RM) (RM) (RM) (RM) (RM)
RM100 149,035 226,048 349,496 37,000 2,157
RM300 447,105 678,144 1,048,488 109,000 6,355
RM500 745,175 1,130,240 1,747,480 181,000 10,552
RM1,000 1,490,350 2,260,480 3,494,960 361,000 21,046
RM5,000 7,451,750 11,302,400 17,474,800 1,801,000 104,998
•No withdrawal throughout the investment TAMBAHAN RM500K TABUNG
Service charge is 5.5% (charged at every investment)
First investment: RM1,000 PERSARAAN DENGAN
SIMPANAN SENDIRI
MYFASTFORYOU/I-BUD I BIJAK URUS DUIT 29
3rd Element:
RIGHT PROVEN track record fund
PISGEF (PUBLIC ISLAMIC GLOBAL EQUITY FUND)
PIATAF (PUBLIC ISLAMIC ASIA TACTICAL ALLOCATION FUND)
New recommended:
PUBLIC e-ISLAMIC PIONEER ENTREPRENEUR 40 FUND
10 Years
Annualized
Return
#HEROplanforFIQA
PLAN PERSARAAN
Age: 32 yo HOW MUCH A RETIREE NEEDS A
Age (to retire): 55 yo MONTH?
(In 23 years)
Retirement period: 25 years EG RM3,000/MONTH
RM1M!
RM1300/ MONTHLY x 23Y @8% = RM1M IN 25 YEARS TIME, WITH
I N F L AT I O N O F 3 % A Y E A R
PLAN EDU1 RM1,000 WILL BECOME
RM6,00/MONTH
Age: 7 yo
Age (TO IPTS): 18 yo
(In 11 years) RETIREMENT FUND:
FV: RM100K
RM6000 X 12 MONTHS X 25
RM500/ MONTHLY x 11Y @8% = RM100K YEARS =
RM1.8M!
PLAN EDU2
Age: 3 yo E PF R M 8 0 0 K
Age (TO IPTS): 18 yo
(In 15 years) G A PPERSARAAN
PLAN R M 1 M RM1300
FV: RM100K PLAN EDUCATION ANAK1 RM500
PLAN EDUCATION ANAK2 RM300
RM300/ MONTHLY x 15Y @8% = RM100K
TOTAL RM2100
#HEROplanforSHIDA 05092020
PLAN PERSARAAN
Age: 32 yo HOW MUCH A RETIREE NEEDS A
Age (to retire): 60 yo MONTH?
(In 28 years)
Retirement period: 20 years EG RM2,000/MONTH
RM1.1M
RM960/ MONTHLY x 18Y @8% = RM1.1M IN 28 YEARS TIME, WITH
I N F L AT I O N O F 3 % A Y E A R
PLAN HAJJ RM2,000 WILL BECOME
RM4,575/MONTH
Age: 32 yo
Age (TO HAJJ): 42 yo
(In 10 years) RETIREMENT FUND:
FV: RM50K
RM4575 X 12 MONTHS X 20
RM286/ MONTHLY x 10Y @8% = RM50K YEARS =
RM1.1
PLAN EDU (untuk seorang anak dahulu)
(In 10 years)
J U TA
PLAN PERSARAAN RM960
FV: RM100K PLAN HAJJ RM286
PLAN EDUCATION ANAK RM574
RM574/ MONTHLY x 10Y @8% = RM100K
TOTAL RM1,820
#HEROplanforXXX
PLAN PERSARAAN
Age: 33 yo
HOW MUCH A RETIREE NEEDS A
Age (to retire): 60 yo MONTH?
(In 27 years) EG RM1,000/MONTH
Retirement period: 20 years
RM500K!
IN 27 YEARS TIME, WITH
RM476/ MONTHLY x 27Y @8% = RM500K I N F L AT I O N O F 3 % A Y E A R
RM1,000 WILL BECOME
PLAN PERGI HAJI PAKEJ RM2,200/MONTH
Age: 33 yo
Age (pergi Haji): 50 yo RETIREMENT FUND:
(In 17 years)
FV: RM70K RM2400 X 12 MONTHS X 20
YEARS =
RM171/ MONTHLY x 17Y @8% = RM70K RM500K!
PLAN PERSARAAN
PLAN PERGI HAJI PAKEJ
RM476/ MONTHLY x 27Y @8% = RM500K
RM171/ MONTHLY x 17Y @8% = RM70K
RM647/ MONTHLY
Thank You
