Tentang Pelaburan Unit Amanah (Unit Trust Investment)


1. Apakah Unit Amanah

Dalam bahasa mudahnya, unit amanah adalah sama macam ASB. ASB adalah unit amanah berharga tetap pada nilai RM1 seunit. Tetapi, kebanyakan unit amanah adalah harga berubah. Dalam ASNB juga terdapat unit amanah harga berubah seperti ASN.

Penerangan kali ini adalah tentang unit amanah harga berubah.

2. Keuntungan dan Risiko

Bagi unit amanah harga berubah, kebiasaannya terdapat 2 jenis keuntungan iaitu:

Agihan Pendapatan (Dividen)

Agihan pendapatan adalah sama seperti dividen. Apabila agihan pendapatan dilakukan, secara automatik dividen yang diperoleh akan digunakan untuk membeli semula unit dalam dana yang dilaburkan.


En. Ali mempunyai 10,000 unit dalam Dana A. Agihan pendapatan bagi Dana A adalah 5 sen seunit. Bermaksud En. Ali akan mendapat dividen sebanyak RM500. Katakan ketika dividen diagihkan, harga unit semasa adalah RM0.50. Maka RM500 tersebut akan digunakan untuk membeli semula unit sebanyak 1,000 unit. Kini, Ali mempunyai 11,000 unit amanah.

Yang menariknya, pelaburan unit amanah akan dapat dividen penuh walaupun belum cukup setahun. Andai esok diumumkan dividen, hari ini kita invest pun tetap akan dapat full dividen.

Kenaikan Harga Unit

“Buy Low, Sell High”

Keuntungan kedua pula adalah dari segi kenaikan harga unit. Jika semasa pelaburan dibuat, Ali melaburkan RM10,000 dan harga unit RM1.00, Ali akan dapat 10,000 unit. Katakan ketika Ali jual semula unit, harga semasa adalah RM1.50, maka Ali akan RM15,000. Untung RM5,000 bersamaan 50%.

Risiko dalam pelaburan unit amanah.

Risiko pelaburan unit amanah tetap ada, tapi boleh diuruskan dengan ilmu yang betul. Pelabur hanya akan rugi jika menjual unit amanah ketikan harga lebih rendah daripada harga belian. Katakan Ali melabur ketika harga unit RM1.00, jika beliau jual semula ketika harga RM0.90, maka beliau akan rugi. So, kalau taknak rugi, janganlah jual masa harga tengah rendah. Kena sabar sehingga harga naik semula.

3. Pasaran Up & Down

Dalam unit trust, harga unit akan naik dan turun menurut keadaan ekonomi dunia. Untuk jangka masa panjang, harga unit akan naik dan berkembang.

Tetapi jalan tak semestinya lurus. Pada waktu-waktu tertentu, akan ada ketika di mana market akan down dan harga unit akan jatuh. Ketika ini, pelabur bijak tidak akan panik untuk jual semula unit. Kalau jual confirm rugi!!! Masa harga jatuh adalah masa yang paling sesuai untuk tambah investment.


Ali melabur RM10,000 ketika harga unit RM1.00. Maka beliau dapat 10,000 unit. Beberapa bulan kemudian, harga unit jatuh kepada RM0.50, dan Ali menambah pelaburan sebanyak RM10,000 dan mendapat 20,000 ribu unit.

Maka jumlah unit yang Ali miliki sekarang adalah sebanyak RM30,000 unit. Ini bermaksud, kos setiap unit yang Ali beli adalah dengan purata RM0.67 (RM20,000/30,000 unit). Jika Ali tidak menambah pelaburan ketika harga unit jatuh, kos seunit Ali adalah RM1.00.

Andai harga unit naik kepada RM1.20, Ali jual semua unit dan mendapat pulangan pelaburan sebanyak RM36,000. Keuntungan Ali sebanyak RM16,000.

Sekiranya Ali terus melaburkan RM20,000 ketika harga unit RM1.00, beliau akan mendapat 20,000 unit. Pada harga RM1.20, jika Ali menjual semua unit, pulangan yang Ali dapat RM24,000. Keuntungan hanya RM4,000.

So, bila market down dan harga unit jatuh adalah masa terbaik untuk menambah pelaburan untuk mengumpul lebih banyak unit amanah. Apabila jumlah unit semakin banyak, sedikit kenaikan harga mampu memberikan pulangan yang tinggi kepada pelabur.

4. Siapa yang sesuai melabur di dalam unit amanah ?

Modal kecil
Modal untuk pelaburan unit amanah adalah kecil serendah RM1,000 min bagi pelaburan secara lump sum. Bagi simpanan bulanan, min RM500 untuk membuka akaun dan RM200 simpanan berkala setiap bulan.

Pencarum KWSP
Bagi pencarum KWSP, anda boleh melabur ke dalam unit amanah menggunakan dana dari Akaun 1. Syaratnya mestilah memenuhi kriteria yang ditetapkan.

Formula kiraan kelayakan:
(Jumlah simpanan Akaun 1 – simpanan asas ikut umur) x 30% = Minimum RM1000 barulah layak.

Ramai yang sibuk dengan tugasan harian. Jadi mereka sebaiknya mendapatkan khidmat konsultant untuk memantau pelaburan unit trust.

Tiada ilmu
Ramai juga yang nak melabur tetapi tiada ilmu. Melabur tanpa ilmu boleh menyebabkan kerugian. Lantiklah konsultant untuk uruskan pelaburan anda.

5. Syarikat mana ?

Pelaburan unit amanah boleh dibuat melalui CIMB-Prinsipal Asset Management (CPAM) melalui konsultan CIMB Wealth Advisor (CWA), MAYBANK Investment, Pelaburan Mara Berhad dan lain-lain. Dana-dana di dalam syarikat ini diuruskan oleh Fund Manager yang professional. Syarikat ini juga dipantau oleh Bank Negara, Suruhanjaya Security dan juga FIMM. Ia adalah pelaburan yang sah dan selamat dari unsur-unsur penipuan.

Nota: Untuk pelaburan menggunakan KWSP, cek dulu amount Akaun 1 KWSP

Sekirannya anda ada sebarang pertanyaan boleh hubungi 0133360161
Email: shahzaidizul@gmail.com

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