Consumer Mathematics:

Savings and
Investments
Class : 3 Yellow
Group leader : Matthew Liang Yue Ming
Members :
Amelia Lee Zi Kay
Goh Meng Zhe
Lam Hong Sem
Richie Chan Jun Wei
Tan Yunn Pei
Wong Eng Zhe
Subject teacher: Pn. Wee Hui Hui
What we will learn from this project:
- The importance of savings and investments
- Solve problems involving Savings and Investments.
Types of
saving
•Saving account
• Withdrawable anytime
• Normal interest rates
•Fixed Deposit Account(FD)
• Low liquidity
• Hight interest rate
•Current Account
• No interest
• Hight liquidity
• Money can be overdraft
Investments
Unit Trust
• Low risk
• Moderate return
• High liquidity
Shares
• High risk
• High returns
• Moderate liquidity
Real estate
• High return
• Low liquidity
PROBLEM
STATEMENT
Problem
Statement
Assume that you won RM1 million in a
puzzle contest
1. State the way in which you would
invest your money
2. Explain why you chose this form of
investment
PROBLEM SOLVING
Problem Solving
Method 1:
I buy a terrace in Taman Pertam Jaya for RM400000 and receive a monthly rental of RM1500 every month. The
remainder of the money would be spread 2 ways. I would firstly use another RM400000 to invest in company shares
which cost RM1, these shares give me a yearly dividend of 7%. The remaining RM200000 will be put in a fixed
deposit account with an interest rate of 5% per annum.
Yearly returns: Receives ROI from rent, interest, dividends and the performance of the shares at the company we
invested in.

Risk: A moderate risk level option because most of the money is in real estate and company shares.

Liquidity: This option offers a low amount of liquidity

Method 2
I will spend RM500000 on company shares which cost RM5 per share. These shares will give me a dividend of 8% per annum.
Secondly, I would invest RM200000 in an apartment where I would claim RM1000 rental every month. I would keep the
remainder of the money in a savings account with 1% interest per annum.

Yearly returns: Receives ROI based on from rent, interest, dividends and the performance of the shares at the
company we invested in.

Risk :The risk is high

Liquidity: Moderate
Method 3
I would invest RM500000 in a unit trust. After I sold all the unit trusts I received RM525000. During this time period, I received
a RM10000 dividend. The remaining RM500000 would be put in a Fixed Deposit account which is compounded quarterly and
offers an interest of 3% per annum.

Yearly returns: Receives return on investment in forms of dividend, capital gain and interest.

Risk: Low
Liquidity: high
Summary
 •My team and I would invest in method 2. This is because of it’s

Conclusion potential profits and its already high ROI. In my opinion, method 2 has
the highest potential profit gains and is the wisest way for me to
manage my money.
THANK YOU