Market Downturn: What Should You Do?

Assume:
a) Total Return (%) ditukar menjadi nilai Sen. Contoh; 28% = RM 0.28
Kadar Punurunan Harga
Point
To
(X)
(A)
(B)
C)
(D)
-

Point
(Y)
(D)
(D)
(D)
(D)

Point
(X)

Kadar Kenaikan Harga

Point
To
(X)
(D)
(D)
(D)
-

Point
(Y)
(C1)
(B1)
(A1)

Point
(X)

Point
(A)
(B)
C)
(D)
TOTAL

Invest
Amount
4,000.00
4,000.00
4,000.00
4,000.00
16,000.00

Value /
Unit
0.70
0.42
0.28
0.14

0.70
0.42
0.28
0.14

Point
(Y)
0.14
0.14
0.14
0.14

Diffrence
(Y-X)
-0.56
-0.28
-0.14
0.00

0.14
0.14
0.14

Point
(Y)
0.28
0.42
0.70

Diffrence
(Y-X)
0.14
0.28
0.56

Nos.
of Unit
5,714.29
9,523.81
14,285.71
28,571.43
58,095.24

Nota: Isikan nilai pelaburan didalam kotak

kuning sahaja

PROFIT & LOSS (Calculated After 1 Year To The 3rd Year)

Years
End of 1st Year
(From Jan-08 to Jan-09)
Value /
Unit
-0.56
-0.28
-0.14
0.00
TOTAL
PROFIT /
LOSS
(%)

RM
-3,200.00
-2,666.67
-2,000.00
0.00
-7,866.67
-149.17%

1Yr + 6Month
(From Jan-09 to Jun-09 )
Value /
Unit
-0.42
-0.14
0.00
0.14

RM
-2,400.00
-1,333.33
0.00
4,000.00
266.67

1Yr + 9Month
(From Jan-09 to Sept-09 )

1Yr + 24Month
(From Jan-09 to Jan-11 )

Value /
Unit
-0.28
0.00
0.14
0.28

Value /
Unit
0.00
0.28
0.42
0.56

-98.33%

RM
-1,600.00
0.00
2,000.00
8,000.00
8,400.00
-47.50%

Average Return For 3 Years

Page 1 of 11

RM
0.00
2,666.67
6,000.00
16,000.00
24,666.67
54.17%

18.06%

Market Downturn: What Should You Do?

Apa Yang Bakal Terjadi Jika:
a) Anda melabur secara konsisten walaupun harga unit amanah menurun
- Melabur secara konsisten pada Point (A), (B), (C) dan (D)
Invest
Value /
Nos.
Point
Amount
Unit
of Unit
Nota: Isikan nilai pelaburan didalam kotak
(A)
4,000.00
0.70
5,714.29
kuning sahaja
(B)
4,000.00
0.42
9,523.81
C)
4,000.00
0.28
14,285.71
(D)
4,000.00
0.14
28,571.43
TOTAL
16,000.00
58,095.24
PROFIT & LOSS (Calculated After 1 Year To The 3rd Year)
Years
End of 1st Year
(From Jan-08 to Jan-09)
Value /
Unit
-0.56
-0.28
-0.14
0.00
TOTAL
PROFIT /
LOSS
(%)

RM
-3,200.00
-2,666.67
-2,000.00
0.00
-7,866.67

1Yr + 6Month
(From Jan-09 to Jun-09 )
Value /
Unit
-0.42
-0.14
0.00
0.14

-149.17%

RM
-2,400.00
-1,333.33
0.00
4,000.00
266.67

1Yr + 9Month
(From Jan-09 to Sept-09 )

1Yr + 22Month
(From Jan-09 to Oct-10 )

Value /
Unit
-0.28
0.00
0.14
0.28

Value /
Unit
0.00
0.28
0.42
0.56

-98.33%

RM
-1,600.00
0.00
2,000.00
8,000.00
8,400.00
-47.50%

RM
0.00
2,666.67
6,000.00
16,000.00
24,666.67
54.17%

Average Return For 3 Years

18.06%

b) Anda melabur secara tidak konsisten semasa harga unit amanah menurun.
- Melabur hanya pada Point (A) sahaja.
Invest
Point
Amount
(A)
4,000.00
(B)
0.00
C)
0.00
(D)
0.00
TOTAL
4,000.00
PROFIT & LOSS (Calculated After 1 Year To The 3rd Year)
Years
End of 1st Year
(From Jan-08 to Jan-09)
Value /
Unit
-0.56
-0.28
-0.14
0.00
TOTAL
PROFIT /
LOSS
(%)

RM
-3,200.00
0.00
0.00
0.00
-3,200.00
-180.00%

1Yr + 6Month
(From Jan-09 to Jun-09 )
Value /
Unit
-0.42
-0.14
0.00
0.14

RM
-2,400.00
0.00
0.00
0.00
-2,400.00

1Yr + 9Month
(From Jan-09 to Sept-09 )

1Yr + 22Month
(From Jan-09 to Oct-10 )

Value /
Unit
-0.28
0.00
0.14
0.28

Value /
Unit
0.00
0.28
0.42
0.56

-160.00%

RM
-1,600.00
0.00
0.00
0.00
-1,600.00
-140.00%

Average Return For 3 Years

Page 2 of 11

RM
0.00
0.00
0.00
0.00
0.00
-100.00%

-33.33%

Market Downturn: What Should You Do?

c) Anda melabur secara tidak konsisten semasa harga unit amanah menurun.
- Melabur hanya pada Point (A) dan (B) sahaja.
Invest
Point
Amount
(A)
4,000.00
(B)
4,000.00
C)
0.00
(D)
0.00
TOTAL
8,000.00
PROFIT & LOSS (Calculated After 1 Year To The 3rd Year)
Years
End of 1st Year
(From Jan-08 to Jan-09)
Value /
Unit
-0.56
-0.28
-0.14
0.00
TOTAL
PROFIT /
LOSS
(%)

RM
-3,200.00
-2,666.67
0.00
0.00
-5,866.67

1Yr + 6Month
(From Jan-09 to Jun-09 )
Value /
Unit
-0.42
-0.14
0.00
0.14

-173.33%

RM
-2,400.00
-1,333.33
0.00
0.00
-3,733.33

1Yr + 9Month
(From Jan-09 to Sept-09 )

1Yr + 22Month
(From Jan-09 to Oct-10 )

Value /
Unit
-0.28
0.00
0.14
0.28

Value /
Unit
0.00
0.28
0.42
0.56

-146.67%

RM
-1,600.00
0.00
0.00
0.00
-1,600.00
-120.00%

RM
0.00
2,666.67
0.00
0.00
2,666.67
-66.67%

Average Return For 3 Years

-22.22%

c) Anda melabur secara tidak konsisten semasa harga unit amanah menurun.
- Melabur hanya pada Point (A) dan (C) sahaja.
Invest
Point
Amount
(A)
4,000.00
(B)
0.00
C)
4,000.00
(D)
0.00
TOTAL
8,000.00
PROFIT & LOSS (Calculated After 1 Year To The 3rd Year)
Years
End of 1st Year
(From Jan-08 to Jan-09)
Value /
Unit
-0.56
-0.28
-0.14
0.00
TOTAL
PROFIT /
LOSS
(%)

RM
-3,200.00
0.00
-2,000.00
0.00
-5,200.00
-165.00%

1Yr + 6Month
(From Jan-09 to Jun-09 )
Value /
Unit
-0.42
-0.14
0.00
0.14

RM
-2,400.00
0.00
0.00
0.00
-2,400.00

1Yr + 9Month
(From Jan-09 to Sept-09 )

1Yr + 22Month
(From Jan-09 to Oct-10 )

Value /
Unit
-0.28
0.00
0.14
0.28

Value /
Unit
0.00
0.28
0.42
0.56

-130.00%

RM
-1,600.00
0.00
2,000.00
0.00
400.00
-95.00%

Average Return For 3 Years

Page 3 of 11

RM
0.00
0.00
6,000.00
0.00
6,000.00
-25.00%

-8.33%

Market Downturn: What Should You Do?

d) Anda melabur secara konsisten semasa harga unit amanah menurun dan menambahkan lagi jumlah pelaburan.
- Menambahkan jumlah pelaburan pada Point (B), (C) dan (D).
Point
(A)
(B)
C)
(D)
TOTAL

Invest
Amount
4,000.00
5,000.00
6,000.00
7,000.00
22,000.00

PROFIT & LOSS (Calculated After 1 Year To The 3rd Year)

Years
End of 1st Year
(From Jan-08 to Jan-09)
Value /
Unit
-0.56
-0.28
-0.14
0.00
TOTAL
PROFIT /
LOSS
(%)

RM
-3,200.00
-3,333.33
-3,000.00
0.00
-9,533.33
-143.33%

1Yr + 6Month
(From Jan-09 to Jun-09 )
Value /
Unit
-0.42
-0.14
0.00
0.14

RM
-2,400.00
-1,666.67
0.00
7,000.00
2,933.33

1Yr + 9Month
(From Jan-09 to Sept-09 )

1Yr + 22Month
(From Jan-09 to Oct-10 )

Value /
Unit
-0.28
0.00
0.14
0.28

Value /
Unit
0.00
0.28
0.42
0.56

-86.67%

RM
-1,600.00
0.00
3,000.00
14,000.00
15,400.00
-30.00%

Average Return For 3 Years

Kesimpulan:
a) Pelaburan secara konsiten amat penting kerana nilai pasaran unit amanah berubah-ubah.
b) Pelaburan secara konsiten memjanjikan pulangan keuntungan dalam tempoh pelaburan (3 ke 5 tahun)
c) Strategi pelaburan amat penting untuk menggandakan jumlah keuntungan.
d) Tetapkan pendirian dan JANGAN PANIK apabila harga unit amanah menurun.

Mior Zaini Yusof

Perunding Unit Amanah (Public Mutual)
Tel: 019-2212161
email: mior_publicmutual@yahoo.com

Page 4 of 11

RM
0.00
3,333.33
9,000.00
28,000.00
40,333.33
83.33%

27.78%

Ringgit Cost Averaging (RCA)

Andaian
a) Total Return (%) ditukar menjadi nilai sen. Contoh; 28% = RM 0.28
b)

Kadar Punurunan Harga

Point (X)
To
(A)
(B)
C)
(D)

Point (Y)
(D)
(D)
(D)
(D)

Point (X)
0.70
0.42
0.28
0.14

Point (Y)
Diffrence
0.14
-0.56
0.14
-0.28
0.14
-0.14
0.14
0.00

Kadar Kenaikan Harga

Point (X)
To
(D)
(D)
(D)

Point (Y)
(C1)
(B1)
(A1)

Point (X)
0.14
0.14
0.14

Point (Y)
Diffrence
0.28
0.14
0.42
0.28
0.70
0.56

Increase Rate @ e1 =
Increase Rate@ e2 =
Increase Rate@ e3 =
Increase Rate@ e4 =
Point
(a)
(b)
(c)
(d)
TOTAL

Invest
Amount
10.00
10.00
10.00
10.00
40.00

1.00
2.00
3.00
4.00
Value / Unit
4.00
3.00
2.00
1.00

Nos.
of Unit
2.50
3.33
5.00
10.00
20.83

PROFIT & LOSS (Calculated After 1 Year To The 2nd Year)

Years

End of 1st Year

1 + 3Month
1 + 6Month
1 + 9Month
1 + 12Month
Value / Unit
RM
Value / Unit
RM
Value / Unit
RM
Value / Unit
RM
Value / Unit
RM
-3.00
-7.50
-2.00
-5.00
-1.00
-2.50
0.00
0.00
1.00
2.50
-2.00
-6.67
-1.00
-3.33
0.00
0.00
1.00
3.33
2.00
6.67
-1.00
-5.00
0.00
0.00
1.00
5.00
2.00
10.00
3.00
15.00
0.00
0.00
1.00
10.00
2.00
20.00
3.00
30.00
4.00
40.00
TOTAL
(19.17)
1.67
22.50
43.33
64.17

1.60

Market Downturn: What Should You Do?

ori price
0.2000

(A)
70%
0.3400

(B)
42%
0.2840

C)
28%
0.2560

Kadar Punurunan Harga

Point
To
(X)
(A)
(B)
C)
(D)
-

Point
(Y)
(D)
(D)
(D)
(D)

Point
(X)
0.3400
0.2840
0.2560
0.2280

Point
(Y)
0.2280
0.2280
0.2280
0.2280

Diffrence
(Y-X)
-0.1120
-0.0560
-0.0280
0.0000

Kadar Kenaikan Harga

Point
To
(X)
(D)
(D)
(D)
(D)
-

Point
(Y)
(D)
(C1)
(B1)
(A1)

Point
(X)
0.2280
0.2280
0.2280
0.2280

Point
(Y)
0.2280
0.2560
0.2840
0.3400

Diffrence
(Y-X)
0.0000
0.0280
0.0560
0.1120

Point
(A)
(B)
C)
(D)
TOTAL

Invest
Amount
4,000.00
4,000.00
4,000.00
4,000.00
16,000.00

Value /
Unit
0.3400
0.2840
0.2560
0.2280

Nos.
of Unit
11,764.71
14,084.51
15,625.00
17,543.86
59,018.07

(D)
14%
0.2280

Nota: Isikan nilai pelaburan didalam kotak

kuning sahaja

PROFIT & LOSS (Calculated After 1 Year To The 3rd Year)

Years
End of 1st Year
(From Jan-08 to Jan-09)
Value /
Unit
-0.1120
-0.0560
-0.0280
0.0000
TOTAL
PROFIT /
LOSS
(%)

RM
-1,317.65
-788.73
-437.50
0.00
-2,543.88
-115.90%

1Yr + 6Month
(From Jan-09 to Jun-09 )
Value /
Unit
-0.0840
-0.0280
0.0000
0.0280

RM
-988.24
-394.37
0.00
491.23
-891.37

1Yr + 9Month
(From Jan-09 to Sept-09 )

1Yr + 24Month
(From Jan-09 to Jan-11 )

Value /
Unit
-0.0560
0.0000
0.0280
0.0560

Value /
Unit
0.0000
0.0560
0.0840
0.1120

-105.57%

RM
-658.82
0.00
437.50
982.46
761.13
-95.24%

Average Return For 3 Years

Page 8 of 11

RM
0.00
788.73
1,312.50
1,964.91
4,066.14
-74.59%

-24.86%

Market Downturn: What Should You Do?

Apa Yang Bakal Terjadi Jika:
a) Anda melabur secara konsisten walaupun harga unit amanah menurun
- Melabur secara konsisten pada Point (A), (B), (C) dan (D)
Invest
Value /
Nos.
Point
Amount
Unit
of Unit
Nota: Isikan nilai pelaburan didalam kotak
(A)
4,000.00
0.70
5,714.29
kuning sahaja
(B)
4,000.00
0.42
9,523.81
C)
4,000.00
0.28
14,285.71
(D)
4,000.00
0.14
28,571.43
TOTAL
16,000.00
58,095.24
PROFIT & LOSS (Calculated After 1 Year To The 3rd Year)
Years
End of 1st Year
(From Jan-08 to Jan-09)
Value /
Unit
-0.56
-0.28
-0.14
0.00
TOTAL
PROFIT /
LOSS
(%)

RM
-3,200.00
-2,666.67
-2,000.00
0.00
-7,866.67

1Yr + 6Month
(From Jan-09 to Jun-09 )
Value /
Unit
-0.42
-0.14
0.00
0.14

-149.17%

RM
-2,400.00
-1,333.33
0.00
4,000.00
266.67

1Yr + 9Month
(From Jan-09 to Sept-09 )

1Yr + 22Month
(From Jan-09 to Oct-10 )

Value /
Unit
-0.28
0.00
0.14
0.28

Value /
Unit
0.00
0.28
0.42
0.56

-98.33%

RM
-1,600.00
0.00
2,000.00
8,000.00
8,400.00
-47.50%

RM
0.00
2,666.67
6,000.00
16,000.00
24,666.67
54.17%

Average Return For 3 Years

18.06%

b) Anda melabur secara tidak konsisten semasa harga unit amanah menurun.
- Melabur hanya pada Point (A) sahaja.
Invest
Point
Amount
(A)
4,000.00
(B)
0.00
C)
0.00
(D)
0.00
TOTAL
4,000.00
PROFIT & LOSS (Calculated After 1 Year To The 3rd Year)
Years
End of 1st Year
(From Jan-08 to Jan-09)
Value /
Unit
-0.56
-0.28
-0.14
0.00
TOTAL
PROFIT /
LOSS
(%)

RM
-3,200.00
0.00
0.00
0.00
-3,200.00
-180.00%

1Yr + 6Month
(From Jan-09 to Jun-09 )
Value /
Unit
-0.42
-0.14
0.00
0.14

RM
-2,400.00
0.00
0.00
0.00
-2,400.00

1Yr + 9Month
(From Jan-09 to Sept-09 )

1Yr + 22Month
(From Jan-09 to Oct-10 )

Value /
Unit
-0.28
0.00
0.14
0.28

Value /
Unit
0.00
0.28
0.42
0.56

-160.00%

RM
-1,600.00
0.00
0.00
0.00
-1,600.00
-140.00%

Average Return For 3 Years

Page 9 of 11

RM
0.00
0.00
0.00
0.00
0.00
-100.00%

-33.33%

Market Downturn: What Should You Do?

c) Anda melabur secara tidak konsisten semasa harga unit amanah menurun.
- Melabur hanya pada Point (A) dan (B) sahaja.
Invest
Point
Amount
(A)
4,000.00
(B)
4,000.00
C)
0.00
(D)
0.00
TOTAL
8,000.00
PROFIT & LOSS (Calculated After 1 Year To The 3rd Year)
Years
End of 1st Year
(From Jan-08 to Jan-09)
Value /
Unit
-0.56
-0.28
-0.14
0.00
TOTAL
PROFIT /
LOSS
(%)

RM
-3,200.00
-2,666.67
0.00
0.00
-5,866.67

1Yr + 6Month
(From Jan-09 to Jun-09 )
Value /
Unit
-0.42
-0.14
0.00
0.14

-173.33%

RM
-2,400.00
-1,333.33
0.00
0.00
-3,733.33

1Yr + 9Month
(From Jan-09 to Sept-09 )

1Yr + 22Month
(From Jan-09 to Oct-10 )

Value /
Unit
-0.28
0.00
0.14
0.28

Value /
Unit
0.00
0.28
0.42
0.56

-146.67%

RM
-1,600.00
0.00
0.00
0.00
-1,600.00
-120.00%

RM
0.00
2,666.67
0.00
0.00
2,666.67
-66.67%

Average Return For 3 Years

-22.22%

c) Anda melabur secara tidak konsisten semasa harga unit amanah menurun.
- Melabur hanya pada Point (A) dan (C) sahaja.
Invest
Point
Amount
(A)
4,000.00
(B)
0.00
C)
4,000.00
(D)
0.00
TOTAL
8,000.00
PROFIT & LOSS (Calculated After 1 Year To The 3rd Year)
Years
End of 1st Year
(From Jan-08 to Jan-09)
Value /
Unit
-0.56
-0.28
-0.14
0.00
TOTAL
PROFIT /
LOSS
(%)

RM
-3,200.00
0.00
-2,000.00
0.00
-5,200.00
-165.00%

1Yr + 6Month
(From Jan-09 to Jun-09 )
Value /
Unit
-0.42
-0.14
0.00
0.14

RM
-2,400.00
0.00
0.00
0.00
-2,400.00

1Yr + 9Month
(From Jan-09 to Sept-09 )

1Yr + 22Month
(From Jan-09 to Oct-10 )

Value /
Unit
-0.28
0.00
0.14
0.28

Value /
Unit
0.00
0.28
0.42
0.56

-130.00%

RM
-1,600.00
0.00
2,000.00
0.00
400.00
-95.00%

Average Return For 3 Years

Page 10 of 11

RM
0.00
0.00
6,000.00
0.00
6,000.00
-25.00%

-8.33%

Market Downturn: What Should You Do?

d) Anda melabur secara konsisten semasa harga unit amanah menurun dan menambahkan lagi jumlah pelaburan.
- Menambahkan jumlah pelaburan pada Point (B), (C) dan (D).
Point
(A)
(B)
C)
(D)
TOTAL

Invest
Amount
4,000.00
5,000.00
6,000.00
7,000.00
22,000.00

PROFIT & LOSS (Calculated After 1 Year To The 3rd Year)

Years
End of 1st Year
(From Jan-08 to Jan-09)
Value /
Unit
-0.56
-0.28
-0.14
0.00
TOTAL
PROFIT /
LOSS
(%)

RM
-3,200.00
-3,333.33
-3,000.00
0.00
-9,533.33
-143.33%

1Yr + 6Month
(From Jan-09 to Jun-09 )
Value /
Unit
-0.42
-0.14
0.00
0.14

RM
-2,400.00
-1,666.67
0.00
7,000.00
2,933.33

1Yr + 9Month
(From Jan-09 to Sept-09 )

1Yr + 22Month
(From Jan-09 to Oct-10 )

Value /
Unit
-0.28
0.00
0.14
0.28

Value /
Unit
0.00
0.28
0.42
0.56

-86.67%

RM
-1,600.00
0.00
3,000.00
14,000.00
15,400.00
-30.00%

Average Return For 3 Years

Kesimpulan:
a) Pelaburan secara konsiten amat penting kerana nilai pasaran unit amanah berubah-ubah.
b) Pelaburan secara konsiten memjanjikan pulangan keuntungan dalam tempoh pelaburan (3 ke 5 tahun)
c) Strategi pelaburan amat penting untuk menggandakan jumlah keuntungan.
d) Tetapkan pendirian dan JANGAN PANIK apabila harga unit amanah menurun.

Mior Zaini Yusof

Perunding Unit Amanah (Public Mutual)
Tel: 019-2212161
email: mior_publicmutual@yahoo.com

Page 11 of 11

RM
0.00
3,333.33
9,000.00
28,000.00
40,333.33
83.33%

27.78%