Unit Trust Investment

SIMPLE WAY TO GENERATE PASSIVE INCOME, BELIEVE???

 

 

The FACT (schedule) shown below, a lump sum investment of RM10,000, interest compounded annually, accumulates the amount indicated at the respective years….

 

Annual Interest Rate

3%

6%

8%

10%

12%

No. of Accumulation Years

RM

RM

RM

RM

RM

5

11,593

13,382

14,693

16,105

17,623

10

13,439

17,908

21,589

25,937

31,058

15

15,580

23,966

31,722

41,772

54,736

20

18,061

32,071

46,610

67,275

96,463

25

20,938

42,919

68,485

108,347

170,001

30

24,273

57,435

100,627

174,494

299,599

35

28,139

76,861

147,853

281,024

527,996

Further interpretation of above schedule, for example you have RM10,000 with 4 different investment tools over 25 years…..

After 25 years, your RM10,000 will become:-

RM10,000 with tool A – Annually return is 3% – RM 20,938

RM10,000 with tool B – Annually return is 6% – RM 42,919

RM10,000 with tool C – Annually return is 8% – RM 68,485

RM10,000 with tool D – Annually return is 10% – RM 108,347

Ways to invest in unit trust:-

1. Lump Sum Investment

2. Ringgit Cost Averaging

3. EPF Members Investment Scheme – the following is the calculation of amount eligible to withdraw….

EPF Members Investment Scheme

EPF members are eligible to withdraw and invest 20% of excess amount in the required basic savings – Account 1 to age. The basic saving as shown in the table below, the following schedule is subject to change by announcement of EPF:-

EPF Basis Savings

Example, A member aged 32 with savings of RM50,000 in Account 1:-

EPF – Account 1 : RM50,000

Less: Basic savings: RM34,000

Amount in excess of basic savings in Account 1: RN16,000 (RM50,000 – RM34,000)

ELIGIBLE AMOUNT (RM16,000 x 20%) : RM3,200

Every quarterly (3 month) from the initial investment, member can decide the further withdrawal for investment.

Note: MINIMUM initial investment amount is RM1,000.

 

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E-mail: [email protected]

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