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INVESTMENT (Factors to be considered in purchasing (Price - Must…
INVESTMENT
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Type of returns
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Capital gain: It is a return in the form of profits made on the disposal of the property, that is the difference between the selling price & purchase price.
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Short term investment
Features of short term
- Liquid instrument - Instrument that can easily liquidated
2.Low risk investment instrument - short term has lower risk & lower return also
- Many choices - Many wide range that offered by Bank that can meet investment goals of individuals
- Reasonable returns - the reasonable return in line with the level of risk
Categories instrument
- Saving instrument (saving¤t acc)
- Depository instrument ( investment acc)
- Money market instruments ( negotiable instruments)
- Selected fixed income securities (bond/sukuk)
Saving accounts
- The money set aside is for daily needs
- Account Holders do not enjoy any capital gain
- Accessible through electronic banking
Current account
- For daily usage
- Cheque book facility
- Accessible through electronic banking
- Have eligibility requirement
Shariah compliance applied Wadiah yad dhamanah principle
Depository instrument
- Higher amount of placement
- Fixed period of investment
- Capital preservation plus profit
- Have eligibilty requirement
Shariah compliance : Al Mudharabah
Property investment : A commitment of fund by purchasing properties for the purpose of obtaining returns in the form of capital gain/current income.
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