Page 57 - Hybrid PBD Matematik TG3_Edisi Guru

Matematik Tingkatan 3 Bab 3
13. Selesaikan masalah berikut yang melibatkan simpanan dan pelaburan.
Solve the following problems involving savings and investments. SP 3.1.6 TP5
(a) Encik Subra mempunyai RM50 000 dalam akaun simpanan. Dia mengeluarkan separuh daripada
simpanan itu untuk membuka akaun simpanan tetap dengan kadar faedah 3.8% setahun, dikompaun
setiap setengah tahun. Baki simpanan itu dilabur di pasaran saham dengan strategi pemurataan pada
bulan Januari dan Februari. Dia membeli saham A dengan harga RM2.25 seunit pada bulan Januari dan
kemudiannya dengan harga RM2.30 seunit pada bulan Februari. Selepas setahun, dia menjual semua
sahamnya dengan harga RM2.45 seunit. KBAT Mengaplikasi
Encik Subra had RM50 000 in a savings account. He uplifted half of the savings to open a fixed deposit account with interest rate of
3.8% per annum, compounded half yearly. The remaining savings was invested in share market with averaging strategy in January
and February. He bought share A at RM2.25 per unit in January and subsequently at RM2.30 per unit in February. After one year, he
sold all the shares at RM2.45 per unit.
(i) Hitung nilai pulangan pelaburan bagi simpanan tetap Encik Subra selepas setahun.
Calculate the return on investment for Encik Subra's fixed deposit after one year.
(ii) Hitung kos purata seunit saham A yang dimiliki oleh Encik Subra.
Calculate the average cost per share for the share A owned by Encik Subra.
(iii) Bandingkan nilai pulangan pelaburan bagi simpanan tetap dan saham Encik Subra, yang manakah
lebih menguntungkan? Jelaskan jawapan anda.
Compare the return on investment for Encik Subra's fixed deposit and share, which is more profitable? Explain your answer.

1
(i) MV = 25 000 1 + 0.038 2 2(1) Separuh simpanan Encik Subra Tip Penting
telah dikeluarkan.
2
= RM25 959.03 Half of Encik Subra’s savings has uplifted. Selain daripada bentuk
peratusan, nilai pulangan
Jumlah pulangan pelaburan juga boleh
Total return dinyatakan dalam bentuk
= 25 959.03 – 25 000 nisbah.
= RM959.03 Besides the percentage form,
the return on investment can
also be expressed in the form
Nilai pulangan pelaburan (simpanan tetap) of ratio.
Return on investment (fixed deposit)
959.03
= × 100%
25 000
= 3.84%

(ii) Jumlah saham Kos purata seunit saham
Total shares Average cost per share
12 500 12 500 25 000
= + =
2.25 2.30 10 991
= 5 556 + 5 435 = RM2.27
= 10 991 unit
10 991 units

(iii) Jumlah pulangan Nilai pulangan pelaburan (saham)
Total return Return on investment (share)
= keuntungan modal = 1 978.38 × 100%
capital gain 25 000
= (2.45 – 2.27) × 10 991 = 7.91%
= RM1 978.38

Pelaburan saham lebih menguntungkan kerana nilai pulangan pelaburannya lebih tinggi.
Share investment is more profitable because it has higher return on investment.

33 © Penerbitan Pelangi Sdn. Bhd.

03_ Hybrid Mate Tg3.indd 33 20/08/2021 5:30 PM