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Details

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
Investment
Amount
RM126,000
Sales Charge 5%
RM 6,000
Or
RM 500/mth
Net Investment
RM 120,000
Month Haiqal
Suite
Investment
Amount
Sales Charge
(5%)
Get Rewarded
Investment
Amount
126,000      
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 profit 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 profit rate of 4% p.a.* x 6/12 = 2,520

“The systematic investment consists of a Tawarruq account with unit trust fund(s) of investor's choice. Profit rate of 4% p.a is paid based on total placement amount in the Tawarruq account which is also the total investment amount of the systematic investment. The profit 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 investment amount invested into Islamic unit trust is subject to market fluctuations and not guaranteed.”

Minimum investment amount RM36,000
Benefits of Haiqal Suite
  • Invest with confidence
  • You decide when your investment starts
  • Cash reward profit 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 profit 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

Disclaimer:

“This document is being distributed for general information only and it does not constitute an offer, recommendation or solicitation to enter into any transaction or adopt any investment strategy. This document is for general evaluation only, it does not take into account the specific investment objectives, financial situation or particular needs of any particular person or class of persons and it has not been prepared for any particular person or class of persons.
Investment involves risks. The price of investment products may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling investment products. You should not rely on any contents of this document in making any investment decisions. Before making any investment, you should carefully read the relevant offering documents and seek independent legal, tax and regulatory advice. In particular, we recommend you to seek advice regarding the suitability of the investment product, taking into account your specific investment objectives, financial situation or particular needs, before you make a commitment to purchase the investment product.
Opinions, projections and estimates are solely those of SCB at the date of this document and subject to change without notice. Past performance is not indicative of future results and no representation or warranty is made regarding future performance. Any forecast contained herein as to likely future movements in rates or prices or likely future events or occurrences constitutes an opinion only and is not indicative of actual future movements in rates or prices or actual future events or occurrences (as the case may be). SCB makes no representation or warranty of any kind, express, implied or statutory regarding, but not limited to, the accuracy of this document or the completeness of any information contained or referred to in this document. This document is distributed on the express understanding that, whilst the information in it is believed to be reliable. SCB accepts no liability and will not be liable for any loss or damage arising directly or indirectly (including special, incidental or consequential loss or damage) from your use of this document, howsoever arising, and including any loss, damage or expense arising from, but not limited to, any defect, error, imperfection, fault, mistake or inaccuracy with this document, its contents or associated services, or due to any unavailability of the document or any part thereof or any contents.”
Note: SCB refers to Standard Chartered Bank Malaysia Berhad (SCBMB) & Standard Chartered Saadiq Berhad (SCSB).

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

Perdankan Islam | Standard Chartered Saadiq

WARNING
THE RETURNS ON THIS INVESTMENT ACCOUNT WILL BE AFFECTED BY THE PERFORMANCE OF THE UNDERLYING ASSETS. THE PRINCIPAL AND RETURNS ARE NOT GUARANTEED AND CUSTOMERS RISKS EARNING NO RETURNS AT ALL. IF THE INVESTMENT IS REDEEMED EARLY, CUSTOMER MAY SUFFER LOSSES IN PART OR THE ENTIRE PRINCIPLE SUM INVESTED. THIS INVESTMENT IS NOT PROTECTED BY PERBADANAN INSURANS DEPOSIT MALAYSIA (PIDM).