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  1. What is the investible amount if an investor puts RM1,000 in a fund with a 5% initial service charge? 
  2. Which of the following best describes an Equity Growth Fund?
  3. What is the main purpose of a prospectus?
  4. Which statements are TRUE about a Deed in unit trust funds?
  5. What type of fund follows Syariah principles and invests mainly in equities?
  6. Which statements correctly match the features of unit trust investments?
  7. If an investor bought at RM0.70 per unit and sold at RM1.20 per unit with a total proceed of RM15,000, how much did they originally invest?
  8. What does the Cooling-Off Period mean?
  9. Which fund is most suitable for a high-risk, long-term capital gains investor?
  10. What are the key goals of long-term investment strategies?
  11. What costs do investors face when investing in unit trusts with borrowed money?
  12. What standards of professional conduct must a Unit Trust Consultant (UTC) follow?
  13. What is the principal document that governs a Unit Trust Scheme?
  14. How do you calculate the Management Expense Ratio (MER)?
  15. If Encik Jamal invested RM50,000 at 9% per annum, in how many years will his money double?
  16. What investor requirements can unit trust funds be designed to meet?
  17. After a 1:2 unit split issue, how many units will an investor hold if they had 5,000 before?
  18. What is Market Risk in unit trust investments?
  19. Which is NOT a responsibility of a Unit Trust Management Company?
  20. What is the meaning of diversification in investment?
  21. How many units will an investor hold after a 1 for 3 unit split exercise?
  22. What best describes a Fixed-Income Fund?
  23. Who registers and authorizes unit trust consultants?
  24. What is a Unit Trust Scheme (UTS)?
  25. An investor purchased units at RM0.80 per unit in the first year and another 20,000 units in the second year. If the total proceeds were RM79,200 at RM0.90 per unit, how many units did he have from the first year?
  26. Which statement is correct about an Aggressive Growth Fund?
  27. What type of investment is usually found in an Aggressive Growth Fund?
  28. Which activities do Shariah-compliant funds avoid investing in?
  29. What is one function of the Federation of Investment Managers Malaysia (FIMM)?
  30. When promoting unit trusts, what information should UTCs explain to investors?
  31. What does switching of funds mean?
  32. Under whose name are unit trust assets and investments registered?
  33. What are the responsibilities of Unit Trust Management Companies?
  34. If John puts RM500 in a Kid’s Savings Account with a 5% return, how long will it take to double?
  35. What is Dollar-Cost Averaging?
  36. What committee is required for a Unit Trust Management Company to manage Islamic Funds?
  37. When a cash distribution is declared, what happens to the investment value?
  38. What are the two investment methods used by Puan Rose and Puan Sarina?
  39. What are three sources of unit trust distributions?
  40. What is the benefit of having a diversified portfolio?
  41. How can an investor overcome the impact of inflation?
  42. What factors are used in calculating the Net Asset Value (NAV) of a unit trust?
  43. Rank these funds from highest to lowest risk: Equity Growth Fund, Money Market Fund, Balanced Fund, Hedge Fund.
  44. Which EPF account allows members to withdraw savings for unit trust investments?
  45. What are the qualifications of a trustee?
  46. What does a unit split do for unit trust investors?
  47. If an investor borrows the maximum financing for a RM200,000 unit trust investment, how much is the loan amount?
  48. What type of investment is best for a retired teacher looking for stable income and moderate capital growth?
  49. If a unit trust fund has 80% of its assets in growth stocks, what is it most suitable for?
  50. What should investors consider besides past performance before investing?
  51. An investor wants exposure to the commercial property market in Kuala Lumpur but only has RM5,000. What is the best alternative?
  52. What are the rights of unit holders?
  53. What statement should NOT be said to potential investors?
  54. What must a UTC NOT do to maintain honesty and integrity?
  55. What are the main features of an Aggressive Growth Fund?
  56. If a family wants their education fund to double in 10 years, what annual return should they aim for?
  57. How can investors hedge against inflation?
  58. What is the only financial recommendation a UTC is allowed to make?
  59. Why is it important to diversify investments in unit trust portfolios?
  60. What are the advantages of long-term investing in unit trusts?
  1. RM950 (RM1,000 - 5% initial service charge)
  2. It invests mainly in equities
  3. To provide potential and existing investors with all the necessary information to make an informed decision
  4. b) I, II, III & IV
  5. Islamic Fund
  6. I, II & IV (Spread of risk, Liquidity, Ease of Purchase)
  7. RM8,750
  8. The period during which investors can sell units back to the UTMC without penalty
  9. Growth Fund
  10. I & III (Keep pace with inflation & Provide for capital growth)
  11. I, II, III & IV (Initial service charge, Annual management fees, Switching fee, Interest expense)
  12. I, II, III & IV (UTCs must follow all these standards)
  13. Deed
  14. 1.65%
  15. Year 2023 (Just add 8 years)
  16. All of the optional answers are correct (Children’s education, Long-term savings, Retirement fund)
  17. Hold 7,500 units with investment value at RM15,000
  18. Stock values underlying the NAV fluctuate due to market and economic conditions
  19. Act as the custodian for the assets of the unit trusts (This is NOT their responsibility)
  20. Investing in a broad range of assets to reduce risk
  21. 24,000 units
  22. It invests mainly in bonds
  23. Federation of Investment Managers Malaysia (FIMM)
  24. An investment mechanism where investors pool their money for similar financial objectives
  25. 68,000 units
  26. I only (Aggressive Growth Fund focuses on capital growth)
  27. Shares of technology companies recently listed on the stock exchange
  28. I, III & IV (Conventional banking, Gambling, Alcoholic beverages)
  29. Provides a common platform for unit trust companies to discuss issues in the industry
  30. All of the optional answers are correct (Potential risks, fees, investment objectives)
  31. A switch occurs when a unit holder sells units in one fund and purchases units in another managed by a different fund manager
  32. Unit Trust Management Company (UTMC)
  33. I & III (Processing applications, Maintaining unit holders' register)
  34. 14.4 years (Based on a 5% return rate)
  35. A systematic way of regular investment with a fixed amount of money
  36. Syariah Committee
  37. The investment value remains unchanged
  38. Puan Rose – Lump Sum Investment Plan, Puan Sarina – Regular Savings Plan
  39. I, II & IV (Interest earned, Capital gains, Dividends)
  40. To provide stability in a declining stock market
  41. None of the optional answers are correct (Investors need to preserve purchasing power)
  42. I, II, III & IV (Equity values, Transaction costs, Money market instruments, Income after fees)
  43. IV, I, III, II (Hedge Fund, Equity Growth Fund, Balanced Fund, Money Market Fund)
  44. Account 1
  45. I, II & IV (Registered under the Trust Companies Act, Independent from UTMC, Holds legal ownership of assets)
  46. Used to lower NAV per unit, enabling new investors to invest in the fund
  47. RM134,000 (Maximum margin of financing)
  48. Bond Fund (For steady income and moderate growth)
  49. None of the optional answers are correct (Not suitable for specific retirement or college funds)
  50. I & II (Consistency of performance, Investor’s risk tolerance & financial goals)
  51. Invest in real estate property trusts
  52. I, II & III (Information about unit trust scheme, Right to receive profile, Right to redeem units)
  53. I only (Never say "Unit trust is as safe as fixed deposit")
  54. All of the optional answers are correct (Misrepresentation is unethical)
  55. I, II & III (Invests in high-growth stocks, Prioritizes capital growth, Involves higher risks)
  56. Approximately 7.2% per annum
  57. I, III & IV (Invest in higher return instruments, Maximize financial planning benefits)
  58. I only (UTCs can only recommend unit trust schemes, not stocks, insurance, or futures)
  59. To provide an element of stability in a declining stock market
  60. Long-term investing helps generate returns, hedge against inflation, and reduce risk over time

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