Unigold fund
baiklah TT...
tolong buat kajian kes ini....
kita mulakan dengan pelaburan berjumlah RM10,000.00
tolong jelaskan semua aspek yg berkaitan dengannya.....
penjelasan TT amat sia hargai....
Pelaburan berjumlah RM10,000.00
Daily Pricing
The pricing of the funds shall be computed on daily basis. The
Net Asset Value Per Unit (NAV) of the Unit-Linked fund is based on forward pricing.(as at 15 Jan 2011 is 0.6548)
The NAV is the price at which a Policyholder buys and sells the units of the chosen funds.
Premium Allocation
a) Basic Premium
The Basic Premium allocated for investment will follow the allocation rates set out in the table below. The allocated premium is used to purchase units.
From the above table, for the first policy year, RM800 will be used to purchase units, before deducting any charges. The illustration will vary according to the policy year and Basic Premium amount.
Kesimpulannya :
Rm10,000 - (rm2,000 x 40%) =
RM8,800.00
(Nilai Pelaburan Tahun Pertama)
NAV = (rm8,800 x 0.6548) = 5762.24unit
Kadar keuntungan bulanan adalah
minima 3.7% sebulan
(5762.24 x 3.7% = 213.2028 unit =
rm146/month)
b) Single Or Regular Top-Up Premium
95% of the Single or Regular Premium Top-Ups will be allocated into investment to purchase units. For example, out of RM1,000 Top-Up Premium,
RM950 will be used to purchase units, before deducting any charges.
Sum Assured Multiple Factor
Example:
Life Assured’s age is 35, Sum Assured is RM10,000 and Annual Premium is RM300. Based on the chosen Sum Assured, the premium paid will be apportioned to Basic Premium and Regular Top-Up Premium (if any) as follow:
Factor Above:
Basic Premium = Sum Assured / Sum Assured Multiple Factor
= 10,000 / 50
= RM200
Regular Top-Up Premium = Annual Premium – Basic Premium
= 300 – 200
=
rm100
*Nota: Nilai Annual premium bergantung kepada Nilai Assured@Pelaburan (Lebih tinggi nilai pelaburan, lebih tinggi nilai annual premium)
The Benefits Of Uni Wealth Link
• Monthly Service Charge*
A monthly service charge will be deducted from the accounts. The amount charged is based on the mode of payment:
Insurance And Other Charges*
* The charges above are not guaranteed and may be revised by Uni.Asia Life Assurance Berhad by giving at least three (3) months written notice prior to the next policy anniversary of such revision. However, the maximum annual increment will not exceed the Malaysia Consumer Price Index (CPI) increase or any such other index used to determine consumer price increase as decided by Uni.Asia Life Assurance Berhad over the relevant period.
Fund Management Charges**
Uni Gold and General Fund :1.5% p.a. of the fund value
These management charges are accrued on a monthly basis.
**The charges above are not guaranteed and may be revised by Uni.Asia Life Assurance Berhad by giving at least three (3) months written notice. However, the maximum annual increment will not exceed the Malaysia Consumer Price Index (CPI) increase or any such other index used to determine consumer price increase as decided by Uni.Asia Life Assurance Berhad over the relevant period.
Harap kajian kes yang saya berikan mencukupi kerana ia adalah fakta dari Uniasia Life Assurance BHD, adalah dilarang membuat sebarang perubahan.


