Table 1.0:
DATE | AMOUNT | UNIT | PRICE (RM) |
8-Aug-09 | RM1,000.00 | 3,791.47 | RM0.2500 |
8-Sep-09 | RM150.00 | 559.76 | RM0.2540 |
8-Oct-09 | RM150.00 | 551.09 | RM0.2580 |
8-Nov-09 | RM150.00 | 551.09 | RM0.2580 |
8-Dec-09 | RM150.00 | 546.85 | RM0.2600 |
8-Jan-10 | RM150.00 | 536.53 | RM0.2650 |
8-Feb-10 | RM150.00 | 526.59 | RM0.2700 |
8-Mar-10 | RM150.00 | 518.91 | RM0.2740 |
8-Apr-10 | RM150.00 | 511.44 | RM0.2780 |
8-May-10 | RM150.00 | 498.88 | RM0.2850 |
8-Jun-10 | RM150.00 | 490.28 | RM0.2900 |
8-Jul-10 | RM150.00 | 483.61 | RM0.2940 |
RM2,650.00 | 9,566.48 | RM0.2770 |
Let us assume that you have invested RM1,000.00 in a unit trust fund. Then subsequently and systematically you invest RM150 per month in the same fund for about a year. Your total amount of investment is RM2,650.00 and you have acquired an asset of 9566.48 units valued at RM0.294 per unit as of 8 July 2010. The value of unit changes from time to time. If the value increase to RM0.30 in the following month, then the asset value will be RM2,869.94. That give you unrealized profits of RM219.94.
If you decided to sell one third (1/3) or 3000 units at the price of RM0.30, then you will get cash in hand of RM900.00. There are still a balance of 6,566.48 unit in the fund. Doing this again and again over many years, you will eventually acquired a steady flow of income and building up a promising liquid asset.
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