{"id":9330,"date":"2025-10-10T10:02:16","date_gmt":"2025-10-10T02:02:16","guid":{"rendered":"https:\/\/www.fmos.org.my\/?p=9330"},"modified":"2025-10-10T10:17:37","modified_gmt":"2025-10-10T02:17:37","slug":"dealing-in-unit-trust-investment","status":"publish","type":"post","link":"https:\/\/www.fmos.org.my\/bm\/dealing-in-unit-trust-investment\/","title":{"rendered":"Urus Niaga dalam Pelaburan Amanah Saham"},"content":{"rendered":"

Pengadu, yang mempunyai pengalaman luas dalam bidang kewangan korporat, telah melabur sebanyak RM100,000 daripada Akaun KWSP beliau ke dalam dua dana amanah saham di bawah Syarikat Pengurusan Aset. Nilai portfolionya kemudian menurun kepada RM81,292.78, dan beliau mendakwa bahawa Syarikat Pengurusan Aset telah memberikan nasihat yang mengelirukan berkaitan pelaburan secara sekali gus serta kurang kepelbagaian.<\/p>\n\n\n\n

Beliau menuntut pampasan atas kerugian modal dan kos peluang, dengan alasan bahawa dana KWSP beliau sepatutnya telah meningkat kepada RM125,353.26 sekiranya tidak dilaburkan dalam amanah saham tersebut.<\/p>\n\n\n\n

PENDIRIAN INSTITUSI KEWANGAN<\/strong><\/strong><\/p>\n\n\n\n

Syarikat Pengurusan Aset berhujah bahawa mereka telah mematuhi semua peraturan, dan bahawa profil risiko Pengadu adalah \u201cSangat Tinggi\u201d dengan objektif pelaburan \u201cPertumbuhan\u201d yang selaras dengan jenis dana yang dipilih. Mereka turut mengemukakan bukti bahawa Pengadu telah menerima kemas kini berkala, malah pernah dinilai dan disarankan untuk menukar kepada dana berisiko lebih rendah \u2014 namun beliau menolak cadangan tersebut. Syarikat Pengurusan Aset menegaskan bahawa kerugian berpunca daripada kejatuhan pasaran, bukan akibat kecuaian pihak mereka.<\/p>\n\n\n\n

DAPATAN UTAMA ADJUDIKASI<\/strong><\/p>\n\n\n\n

Adjudikator mendapati versi penjelasan Syarikat Pengurusan Aset lebih kukuh dan boleh dipercayai, serta Pengadu sedar akan risiko pelaburan tersebut. Namun, berlaku pelanggaran tanggungjawab apabila wakil Syarikat Pengurusan Aset gagal memaklumkan kepada Pengadu mengenai hak tempoh bertenang selama enam hari.<\/p>\n\n\n\n

KEPUTUSAN ADJUDIKASI<\/strong><\/p>\n\n\n\n

Adjudikator memutuskan bahawa Syarikat Pengurusan Aset tidak bertanggungjawab ke atas prestasi buruk pelaburan tersebut, namun ditemui melanggar tanggungjawab pematuhan.\n\nSebagai keputusan yang adil dan munasabah, Adjudikator memutuskan bahawa bayaran pampasan sebahagian kepada Pengadu bagi kerugian tersebut.<\/p>","protected":false},"excerpt":{"rendered":"

The Claimant with many years of experience in corporate finance, invested RM100,000 from his EPF into two-unit trust funds with the Asset Management Company (AMC). His portfolio then dropped to RM81,292.78, and he alleged the AMC provided misleading advice on lump-sum investment and poor diversification. He sought compensation for the capital loss and opportunity cost, […]<\/p>","protected":false},"author":4,"featured_media":9331,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[28,25],"tags":[],"class_list":["post-9330","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-capital-market","category-case-studies"],"acf":[],"yoast_head":"\nDealing 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\/dealing-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=\"Dealing in Unit Trust Investment - FMOS\" \/>\n<meta property=\"og:description\" content=\"The Claimant with many years of experience in corporate finance, invested RM100,000 from his EPF into two-unit trust funds with the Asset Management Company (AMC). 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