SAVINGS AND

INVESTMENT
CHAPTER 3
binyamin & lara
What are savings?
Savings refer to excess money kept aside for
future use.

● Savings and investments are made on the purpose to manage our

wealth , so that it will enable us to achieve our financial aim.

● An individual can save money in a bank by opening three types

of accounts , namely savings account , fixed deposit
account and current account.
Savings Account
Most people would be given an ATM ( Automated Teller
Machine ) card / debit card .

● Any amount of money can be saved by the account holders.

● Account holders will receive interest ( faedah ) based on the

period saved and total savings.

● Account holders may withdraw the savings at any time at an

ATM by using the card.
 Account holders need to
save a fixed amount of

$
money for a certain period
of time . For example, 3
months, 6 months, 12
months, 3 years or 5
years.
● Different interest rates (kadar faedah )
are offered for the different saving periods.

● The savings can only be withdrawn after the

maturity period (tempoh matang ).

● The interest (faedah) will be reduced or

cancelled if the money withdrawn before
maturity period.
 - Current Account -

● This account is opened for personal or business use.

● Account holders can make payments through using cheques,

internet banking , telephone banking and so on .

● Account holders need to pay a service charge and money

kept in this account does not earn any interest.
Too many people spend money they earned..to buy things
they don't want..to impress people that they don't like.

-Will Rogers
What Are Investments ?
Investments (pelaburan) are made so that there will be returns(pulangan) in
the future in the form of current incomes as well as capital gains.

● An investment always concerns the outlay of some asset today time, money,
or effort in hopes of a greater payoff in the future than what was originally
put in.

● For example, an investor may purchase a monetary asset now with the idea that
the asset will provide income in the future or will later be sold at a higher
price for a profit.

● There are three main investment instrument which consist of shares, unit
trusts, real estates .
SHARES
A company issues shares(saham) for sale to the public with the
purpose of raising capital gains.

● An individual who purchases shares from a company is the

owner of the company under certain
conditions.(shareholder)

● The shareholders will receive returns in the form of dividends and

capital gains.
UNIT TRUST
Trust funds are controlled by a unit trust(amanah saham) company that is
managed by a qualified professional manager in the field of investment.

● These companies collect money from investors and invest in various

companies which are strong and have good track records and
performance.

● Investors will then receive dividends and bonuses at the end of each
financial year for the unit trusts invested.
REAL ESTATES
Investments in real estates(hartanah) involve immovable assets

● such as buying properties like houses,commercial

premises, land and plantations etc.

● Investors or owners of real estates will receive returns in the

form of rents and capital gains as the increase in the market
values of the real estates in the future

● Factors to be considered in real estate investment are

economic situations , income-generating capabilities
that is rent, location and property prospect in the
future.
● INVESTMENT = PELABURAN

● SHARES = SAHAM

● UNIT TRUST = AMANAH SAHAM

● REAL ESTATE = HARTANAH

● DIVIDEND = DIVIDEN

● RETURN = PULANGAN
 STREETS BESTIE
STREETS BESTIE
STREETS BESTIE
STREETS BESTIE
-streets bestie-

Thank
Thank you
you teacher
teacher
and
and friends<33
friends<33

-streets bestie-