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Key Consideration In Investment, Do not put all your eggs in one basket,…
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Bond & Sukuk
- Debt securities issued by govt to raise fund
- By buying bond, bondholder give issuer loan in return issuer pay periodic coupon + principal amount upon maturity
- Sukuk = bond Shariah compliance
- Traded at Bursa + OTC
- Bond rating (investment grade)= RAM & MARC
- Risk - unable to pay coupon + principal on specific date / upon maturity
Equities
- Claim of ownership in a company
- Shareholders entitled for profit & right to vote
- When dispose shareholder can incur capital gain or loss
- Primary market - new securities offered (IOP)
- Secondary market - securities traded after listed in exchange
- SC securities issued 2x a year - Friday last week of May and Nov
Derivatives (Commodity, Equity, Financial)
- Financial Instruments manage exposure with today volatile market
- Derivative product - underlying instruments ie. commodity price, interest rate, indices, share price
- Traded in exchange + OTC
- Future contract, agrt between 2 parties to buy/sell commodity for specific time in future price
Unit Trust & PRS
- Pool fund invested in portfolio securities or other assets (money market, shares, bond, sukuk, properties, commodities)
- UH do not hold the portfolio
- Return in form of income distribution and capital appreciation
- Price NAV value
- Islamic UT must appoint Shariah advisor
- PRS - voluntary contribution to save for retirement
Exchange Trade Fund (EFT)
- Index tracking fund listed and traded in stock exchange
- Traded on stock exchange through broker
- Can be traded anytime during market hours
- Trading price =NAV as price determine by demand and supply in market
Real Estate Investment Trust (REIT)
- Pool money from investors to buy, manage and sell real estates
- Driven by recurrent rental income + capital appreciation from holding an estate
- UH receive dividend or capital gains from holding period
- REIT-i must be shariah permissible activities and mixed activities 20% determine by SAC. Shariah advisor must be appointed to advice the fund
Investment Account
- Islamic version of FD
- Bank manage investment, place into profitable business that are Shariah Compliance
- Mudarabah Mutlaqah - Bank manager has absolute control
- Profit sharing determine onset
- Investor determine investment period, upon maturity Bank distribute profit into investor ac
Structured Product
- Give investors access to wider range of market and payout structure
- Possible enhanced return and not 100% principal protected
- Returns vary, not guaranteed and risk of fluctuations assets
- Islamic SP must have Islamic underlying assets
- Link to various assets
Digital Assets
- Under SC - Digital token (assets) or currency
- Not legal tender in Msia and payment not regulated by BNM, but included as investible class of assets
- Digital asset - technology (urudh) not currency
- Digital asset - currency (gold, silver, urrency)
- Digital asset - ribawi items (ammal ribawiyyah)
- Digital token - mal, subject to Shariah ruling
Equity Crowd Funding /
Peer2Peer Financing
- ECF Fund raise to start smaller enterprise to obtain capital using online portal
- P2P lending and borrowing between biz and investors