{"id":9327,"date":"2025-10-10T09:56:58","date_gmt":"2025-10-10T01:56:58","guid":{"rendered":"https:\/\/www.fmos.org.my\/?p=9327"},"modified":"2025-10-10T10:17:08","modified_gmt":"2025-10-10T02:17:08","slug":"misrepresentation-in-unit-trust-investment","status":"publish","type":"post","link":"https:\/\/www.fmos.org.my\/bm\/misrepresentation-in-unit-trust-investment\/","title":{"rendered":"Salah Nyata (Misrepresentation) dalam Pelaburan Amanah Saham"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Pengadu, seorang pesara yang pada asalnya berhasrat untuk melabur sebanyak RM300,000 dalam deposit tetap, telah dipujuk oleh wakil bank untuk melabur dalam produk amanah saham tertutup.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Beliau diberi jaminan bahawa produk tersebut adalah serupa dengan deposit tetap, tetapi dengan pulangan lebih tinggi (sekitar 3\u20134%), perlindungan modal, dan risiko yang minimum. Namun, apabila pelaburan matang pada Januari 2024, beliau hanya menerima RM248,388.35, iaitu kekurangan sebanyak RM42,873.79 selepas mengambil kira caj jualan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><strong>PENDIRIAN INSTITUSI KEWANGAN<\/strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pihak bank berhujah bahawa Pengadu bukan pelabur baharu, kerana beliau pernah melabur dalam dana yang serupa sebelum ini. Bank juga menegaskan bahawa risiko pelaburan telah dijelaskan melalui Helaian Sorotan Produk (Product Highlight Sheet) dan bahawa Penuntut telah dinilai sebagai \u201cPelabur Sederhana\u201d.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>DAPATAN UTAMA ADJUDIKASI<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Adjudikator mendapati terdapat kelemahan dalam tindakan pihak bank. Adalah tidak munasabah untuk semua dokumen produk dijelaskan sepenuhnya dalam pertemuan selama hanya 30 minit. Borang Penilaian Kesuaian (Suitability Assessment Form) juga mengandungi ketidaktepatan yang tidak disahkan, dan Pengadu tidak diberikan Memorandum Maklumat yang menjelaskan hak tempoh bertenang.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jaminan wakil bank bahawa produk tersebut \u201cseperti deposit tetap\u201d didapati mengelirukan dan bercanggah dengan risiko sebenar dana tersebut.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KEPUTUSAN ADJUDIKASI<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Adjudikator memutuskan memihak kepada Pengadu dan mengarahkan pihak bank untuk membayar balik sebanyak RM42,873.79 kepada beliau. Keputusan ini menekankan tanggungjawab institusi kewangan untuk memastikan pendedahan maklumat yang tepat, penilaian kesesuaian pelanggan yang betul, dan penerangan jelas mengenai hak tempoh bertenang, terutamanya apabila melibatkan pelabur warga emas atau yang kurang berani mengambil risiko.<\/p>","protected":false},"excerpt":{"rendered":"<p>The Claimant, a retiree intending to place RM300,000 into a fixed deposit was persuaded by a bank representative to invest in a closed-ended unit trust product. He was assured it was similar to a fixed deposit with higher returns (about 3\u20134%), capital protection, and minimal risk. On maturity in January 2024, he received only RM248,388.35, [&hellip;]<\/p>","protected":false},"author":4,"featured_media":9328,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[28,25],"tags":[],"class_list":["post-9327","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-capital-market","category-case-studies"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Misrepresentation in Unit Trust Investment - FMOS<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fmos.org.my\/bm\/misrepresentation-in-unit-trust-investment\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Misrepresentation in Unit Trust Investment - FMOS\" \/>\n<meta property=\"og:description\" content=\"The Claimant, a retiree intending to place RM300,000 into a fixed deposit was persuaded by a bank representative to invest in a closed-ended unit trust product. He was assured it was similar to a fixed deposit with higher returns (about 3\u20134%), capital protection, and minimal risk. 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