DPB6023

I
NVESTMENTMANAGEMENT

NAMAPENSYARAH:SI
RHAMDANZULKI
FLI

JABATAN:
JABATANPERDAGANGAN

NAMA:CHELSI
EUMBAI

NO.MATRI
X:05DPM18F1010
Ty
peofi
nvest
mentav
ail
abl
einMal
aysi
a

1.Shor
t-t
ermi
nvest
ment

Shor t
-t
er mi nvestment s,
alsoknownasmar ketablesecur iti
esort empor aryinvest ments,are
thosewhi chcaneasi lybeconv ert
edt ocash, t
y pi
callywithin5y ear s.Manyshor t-term
i
nv estment sar esoldorconv er
t edtocashaf teraper iodofonl y3- 12mont hs.Somecommon
exampl esofshor tterminv estment sincludeCDs, moneymar ketaccount s,high-yieldsavings
account s,gov ernmentbondsandTr easur ybil
ls.Usual l
y,theseinv estmentsar ehi gh-qual
ityand
highlyli
quidasset sorinvestmentv ehicles.Shor t
-t
ermi nv estment smayal sor eferspeci f
ical
ly
tofinancial assets—ofasi mi l
arkind, butwi t
haf ewaddi ti
onal requi r
ements—t hatar eownedby
acompany .Recor dedinasepar ateaccount ,andl i
stedint he curr
entasset s sectionoft he
corporatebal ancesheet ,thesear einv estment sthatacompanyhasmadet hatar eexpect edto
beconv ertedi ntocashwi thinoney ear.

2.Long-t
ermi
nvest
ment

Along- ter
mi nvest
menti sanaccountont heassetsi deofacompany '
s balancesheet  t
hat
representsthecompany '
s 
investments,includi
ngst ocks, bonds,  r
eal estate,andcash.Long-
termi nvestmentsareassetst hatacompanyi ntendst ohol df ormor et hanay ear.Thelong-t
erm
i
nv estmentaccountdi f
ferslargel
yf r
om the short-t
ermi nvestment  accounti nt hatshort-
ter
m
i
nv estmentswi l
lmostlikel
ybesol d,wher easthel ong- t
ermi nv estment swi llnotbesol dfor
yearsand, insomecases, maynev erbesold.Beingal ong-termi nvest ormeanst hatyouar e
will
ingt oacceptacertainamountofr i
skinpur suitofpot entiallyhigherr ewar dsandt hatyou
canaf fordtobepatientforalongerper i
odoft ime.I talsosuggest st haty ouhav eenough
capitalavail
abletoaff
ordt oti
eupasetamountf oral ongper iodoft ime.
Ty
peofi
nvest
mentt
haty
ouwi
lli
nvestwi
tht
her
easonsf
orchoosi
ngt
hei
nvest
ment
.

AmanahSaham Bumi
put
era(
ASB)

Ri
sk:
Low

Ret
urns:
5.5%t
o10%perannum

Example:
Ify
ouhadinv
est
edRM1,
000att
hebegi
nni
ngof2009,
itwoul
dhav
egr
ownt
oRM2,
329
bytheendof2019.

ASBi sapremier 
unittrust
 i
nvestmentspeci fical
l
yforMal aysianBumi puteras.I
tismanagedby
AmanahSaham Nasi onalBerhad(ASNB) ,awholly-
ownedsubsi diaryofPer modalanNasi onal
Berhad(PNB).I
tismeantasal ong-termi nvestment.Thelongeryoukeepy ourmoneyi nvest
ed,
thehighert
hepossi bi
li
tyofbetterreturns.ASBhashi stor
ical
lydeliv
eredst ell
arresult
s,al
though
i
tsdistri
but
ionrateshav ebeen decli
ning inthepastfewy ears.Nevertheless,i
tsrelat
ivel
yhigh
ret
urnsmakesi toneoft hebestlow- r
iskinvestmentv ehi
clesinMal aysia.

Her
ear eafewfeat
uresofASB:Lowrisk–ASB’spri
ceperuni
tisf
ixedatRM1;hasnev
er
del
i
verednegat
iveret
urnsNosalesorredempt
ionchar
gesMaxi
mum invest
mentamount:
RM200,000