FACULTY OF BUSINESS AND MANAGEMENT

ASSIGNMENT/ PROJECT DECLARATION FORM

Student’s Name :

Student’s ID : Student’s I/C No. :

Program Code : Part : Course Code : FIN533

Course :
Name Personal Financial Planning FIN533
Assignment/ : Due : Submission :
Project No. Date 20/12/2020 Date 20/12/2020

Assignment/ :
Project Title
FIN533 INFOGRAPHIC 2

Lecturer’s Name : Dr. Dahlia Ibrahim

I hereby declare that the work in this assignment/ project was carried out in accordance with the
regulations of Universiti Teknologi MARA. It is original and is the results of my own work, unless
otherwise indicated or acknowledged as referenced work. This assignment/ project has not been
submitted to any other academic institution or non-academic institution for any degree or qualification.

I acknowledge that I have been supplied with the Academic Rules and Regulations for Universiti
Teknologi MARA’s Diploma/ Bachelor Degree/ Master’s Degree students, regulating the conduct of
my study and exams.

I hereby declare that this assignment/ project is written by me and:

i. is a result of my own work;
ii. has not been used for another assessment at another department/ university/ university
college in Malaysia or another country;
iii. does not refer to/quote works of others or own previous writings without stating it both in the
text and in the reference list;
iv. mentions explicitly all sources of information in the reference list; and
v. will go through similarity check (Turnitin).

I am aware that disciplinary action (which may include the deduction of marks in the assignment/
project) will be taken against me if I am found to be an offender.

Date Student’s Signature

/ SAT FBM Sep 2020

 FACULTY OF BUSINESS AND MANAGEMENT
ASSIGNMENT/ PROJECT DECLARATION FORM

Student’s Name :

Student’s ID : Student’s I/C No. :

Program Code : Part : Course Code : FIN533

Course :
Name Personal Financial Planning FIN533
Assignment/ : Due : Submission :
Project No. Date 20/12/2020 Date 20/12/2020

Assignment/ :
Project Title
FIN533 INFOGRAHIC 2

Lecturer’s Name : Dr Dahlia Ibrahim

I hereby declare that the work in this assignment/ project was carried out in accordance with the
regulations of Universiti Teknologi MARA. It is original and is the results of my own work, unless
otherwise indicated or acknowledged as referenced work. This assignment/ project has not been
submitted to any other academic institution or non-academic institution for any degree or qualification.

I acknowledge that I have been supplied with the Academic Rules and Regulations for Universiti
Teknologi MARA’s Diploma/ Bachelor Degree/ Master’s Degree students, regulating the conduct of
my study and exams.

I hereby declare that this assignment/ project is written by me and:

i. is a result of my own work;
ii. has not been used for another assessment at another department/ university/ university
college in Malaysia or another country;
iii. does not refer to/quote works of others or own previous writings without stating it both in the
text and in the reference list;
iv. mentions explicitly all sources of information in the reference list; and
v. will go through similarity check (Turnitin).

I am aware that disciplinary action (which may include the deduction of marks in the assignment/
project) will be taken against me if I am found to be an offender.

20/12/2020
Date Student’s Signature

/ SAT FBM Sep 2020

 FACULTY OF BUSINESS AND MANAGEMENT
ASSIGNMENT/ PROJECT DECLARATION FORM

Student’s Name :

Student’s ID : Student’s I/C No. :

Program Code : Part : Course Code : FIN533

Course :
Name Personal Financial Planning FIN533
Assignment/ : Due : Submission :
Project No. Date 20/12/2020 Date 20/12/2020

Assignment/ :
Project Title
FIN533 INFOGRAPHIC 2

Lecturer’s Name : Dr. Dahlia Ibrahim

I hereby declare that the work in this assignment/ project was carried out in accordance with the
regulations of Universiti Teknologi MARA. It is original and is the results of my own work, unless
otherwise indicated or acknowledged as referenced work. This assignment/ project has not been
submitted to any other academic institution or non-academic institution for any degree or qualification.

I acknowledge that I have been supplied with the Academic Rules and Regulations for Universiti
Teknologi MARA’s Diploma/ Bachelor Degree/ Master’s Degree students, regulating the conduct of
my study and exams.

I hereby declare that this assignment/ project is written by me and:

i. is a result of my own work;
ii. has not been used for another assessment at another department/ university/ university
college in Malaysia or another country;
iii. does not refer to/quote works of others or own previous writings without stating it both in the
text and in the reference list;
iv. mentions explicitly all sources of information in the reference list; and
v. will go through similarity check (Turnitin).

I am aware that disciplinary action (which may include the deduction of marks in the assignment/
project) will be taken against me if I am found to be an offender.

Date Student’s Signature

/ SAT FBM Sep 2020

 apptte
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Type of Investment

Investment Investment in Investment

in saving fixed
in share
account deposit

Investment Investment
Investment
in real in unit
in bond
properties trust

Investment in share

Central depository system trading account

 Investment in bond

characteristic
par value of bond
coupon rate

Maturity Period
voting
Claim on asset right

Investment in real
properties

FACTOR PEOPLE
INVEST IN
PROPERTIES

Investment in unit
trust

1.Conventional Unit Trust Shariah Fund

ADVANTAGES OF UNIT
TRUST

DISADVANTAGES OF
UNIT TRUST
 RETIREMENT
PLANNING
Financial cycle
When ?
Planning for retirement should start as soon as you join the workforce.
Retirement preparation should take the needs and resources of the family
over the financial cycle into consideration.

<60's 20's - 40's

33.3% 33.3%

Earnings are starting to

Both revenue and
fall for the average
spending will grow,
business worker.
Personal choices include Savings will have more
when and how much to time to expand at this
invest. For everyone, point.
there is no right
retirement package. In
retirement accounts,
Much of the children will have left the
current consumption is
traded off for future home. As spending falls, there will be
consumption. a dramatic increase in savings.
Savings would be smoother, but they
50"s
33.3% will have shorter cycles in which
returns will accumulate.

Importance:
Rising living costs
Tendency to achieve a higher living
standard
Boosting life expectancy
Lower medical expenses
Savings at low EPF

Steps:
Set targets for retirement
Estimating the sources of funds available
Estimate fund deficit
Building an investment strategy
Construct::
Set retirement goals: To measure the
During retirement to meet regular expenses savings/investments
To cover any medical expenses needed to meet deficiencies
For debt settlement Savings on how much to
save annually
Estimates available source of fund: Investment by type of tools
EPF savings acceptable based on time
Cash savings span, net worth and level of
Rental income from properties risk tolerance
EMPLOYEES
PROVIDENT
FUND
SCHEME
It is a social security institution founded under the laws of Malaysia
An organization that exists under the 1991 EPF Act
It offers retirement opportunities for members by efficiently and
consistently controlling their investments The representatives are
employees of the private sector and the non-pensionable public sector
In addition to workers but also employers, donations come from

1 CONTRIBUTIONS
The amount of money in EPFF accounts attributed to the
individual accounts of members
12% - Employer
11% - Employee

2
ACCOUNT 1
70% of monhly contribution
before you reach the age of 55
become incapacitated
leave the country
deceased

3
ACCOUNT 2
30% of monthly contribution
Savings in this account are intended to help you prepare for
a secure retirement at an early point
Withdrawals are approved for the following purposes:
Achieving the age of 50
Owning a home - the first house's down payment
Settling your housing loan balance - first house

4 ALLOCATION
Malaysian Government Securities (MGS)
Money Market Instruments
Bond
Properties/REITS
Equity

5 WITHDRAWAL
1. Upon retirement
a) Age 50 (AC1)
b) Age 55 (AC2)
2. Others:
Death
Incapacitation
Housing withdrawals
Leaving the country

6
PENSION SCHEME
EPF scheme
Pension scheme : Will get benefits on retirement age

7 OBJECTIVES OF PS
As workers to continue their service to the government
To recognize and appreciate excellent service with devotion to loyalty,
sincerity provided by staff to the government
To provide life support for employee dependents who have passed away during
government service or after retirement.

8 PENSION SCHEME
Extends health payments to dependents of a deceased
pensioner who died either while still in government service
or after retirement.
Derivative gratuity and derivative pension
Types: Service pension and Service gratuity
Disability pension scheme due to:
Contracting with a disease to which the essence of his duty
exposes him
To suffer an injury arising from a travel accident.
Infographic 2
ORIGINALITY REPORT

6 %
SIMILARITY INDEX
2%
INTERNET SOURCES
0%
PUBLICATIONS
3%
STUDENT PAPERS

PRIMARY SOURCES

1
Submitted to Universiti Teknologi MARA
Student Paper 3%
2
digitalcollections.baylor.edu
Internet Source 2%

Exclude quotes Off Exclude matches Off

Exclude bibliography On
Infographic 2
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