The conventional way of “Buying low and selling high” may sound like a good investing rule of thumb but it’s not always so simple to achieve. You might end up doing the exact opposite because the returns can be influenced by market conditions where your investment may increase or decrease in value.

It’s time to change your mindset and rethink what you know of investing.

Now there’s an easier way to invest, with a gradual and disciplined entry into the market.

Introducing Standard Chartered Saadiq's Haiqal Suite, a hassle-free 12-month Islamic unit trust investment plan that utilizes the Systematic Investment Technique to accumulate wealth on a disciplined and regular basis.

When it comes to investing, people tend to adopt a herd mentality – buying when everyone else is and when the market is at its highest. You may have decided how you want to invest, for how long and how much you can afford. But how you actually pay into your investments could have a signicant impact on your returns.

Two main ways to invest:
Systematic Investment Technique
  • Contribution averaging over time on a regular schedule
  • No control on the timing but can capture the market regardless of market environment
  • Returns may be lesser but improve the probability to avoid losses
Lump Sum Investment
  • One lump sum invested immediately
  • Gain control of investment
  • Short term fluctuation and crashes will cause mental stress
  • May get better returns during rising market
Month System Investment Technique Lump Sum
  Amount Unit Price Number of Units Amount Unit Price Number of Units
1 MYR 3,000 MYR 1.00 3,000 MYR 36,000 MYR 1.00 36,000
2 MYR 3,000 MYR 1.00 3,000      
3 MYR 3,000 MYR 0.90 3,333      
4 MYR 3,000 MYR 0.90 3,333      
5 MYR 3,000 MYR 0.85 3,529      
6 MYR 3,000 MYR 1.05 2,857      
7 MYR 3,000 MYR 0.95 3,158      
8 MYR 3,000 MYR 1.02 2,941      
9 MYR 3,000 MYR 1.03 2,913      
10 MYR 3,000 MYR 0.97 3,093      
11 MYR 3,000 MYR 0.92 3,261      
12 MYR 3,000 MYR 0.90 3,333      
Total MYR 36,000 MYR 0.96 37,751.90 MYR 36,000 MYR 1.00 36,000.00

*Note: The above table is for illustration purposes only.

  • Hassle-free 12-month unit trust investment plan committed to buying a fixed sum of a particular investment on a regular schedule
  • When prices go up, fewer units will be bought
  • When prices go down, more units will be purchased
Haiqal Suite: Systematic Investment Technique

The Systematic Investment Technique helps capture market opportunities regardless of market environment. Besides protecting your money against inflation, it helps manage volatility through 12 systematic entries into the market.

  • Money will be invested into the fund of your choice on the 28th of each month for 12 calendar months
  • Receive 4% fixed cash payout (2% at the end of the 6th and 12th month) – calculated based on total investment amount
  • Plan completed after 12 calendar months
Sales Charge 5%
RM 6,000
RM 500/mth
Net Investment
RM 120,000
Month Haiqal
Sales Charge
Get Rewarded
1 115,500 10,000 500  
2 105,000 20,000 500  
3 94,500 30,000 500  
4 84,000 40,000 500  
5 73,500 50,000 500  
6 63,000 60,000 500 126,000 x indicative rate of 4%p.a.* x 6/12
= 2,520
7 52,500 70,000 500  
8 42,000 80,000 500  
9 31,500 90,000 500  
10 21,000 100,000 500  
11 10,500 110,000 500  
12 0 120,000 500 126,000 x indicative rate of 4%p.a.* x 6/12
= 2,520

*Indicative profit of 4% p.a based on Profit Sharing Ratio (PSR) of 80:20 is paid on total investment amount. The profit sharing will be paid at the end of the 6th and 12th month after the date of application by holding until the completion of the systematic investment. The systematic investment consists of Mudharabah account with unit trust fund(s) of investor’s choice. The suggested bundle is NOT a mandatory investment. The investment amount invested into Islamic unit trust is subject to market fluctuations and not guaranteed.
Note: The above table is for illustration purposes only.

Minimum investment amount RM36,000
Benefits of Haiqal Suite
  • Invest with confidence
  • You decide when your investment starts
  • Cash reward indicative rate of 4% may assist to reduce cost over a period of time than if you had chosen to purchase at the lowest point
  • May improve the probability of outperforming a lump sum investment
Sales charge Fixed 5% (payable monthly)
Tenure 12 months
Fixed cash payout
Investment amount x indicative rate
of 4%p.a.* x 6 months
12 months
Eligible funds Please check with the bank's branches for the latest list of participating unit trust funds at the time of application


This document is not intended to be an offer or invitation to subscribe for or purchase of securities. The information contained herein has been obtained from sources believed in good faith to be reliable and the opinions, analyses, forecasts, projections and expectations (collectively “Opinions”) contained herein are based on such information and are expressions of belief only. No representation or warranty, expressed or implied, is made that such information or Opinions is accurate, complete or verified and should not be relied on as such, Information and Opinions contained herein are published for recipients’ reference only.
As with any other form of financial product, the financial product introduced herein carries risk, and you may not get back the amount you originally invested. You should be aware that this financial product may not suitable for potential investors who are averse to such risks, and to consider the fees and charges involved. You are advised to read and understand the approved relevant documents accompanying and relating to the product. If in doubt, potential investors should seek independent advice, Investment in this financial product is neither deposited with nor guaranteed by Standard Chartered Saadiq Berhad. Accordingly, neither the Bank nor any of its related companies shall have any responsibility whatsoever to any investor for any losses which the investor may suffer as a result of the performance of the product

Systematic Investment Technique (Haiqal Suite) is not insured by PIDM.

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