Unit Trusts - Invest | Baiduri Bank

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A Unit Trust, or Mutual Fund, is a professionally managed form of collective investment that pools money from many investors and invests it in stocks, bonds, short-term money market instruments and other securities. This allows individual investors to invest in a range of assets and earn potential returns through capital gain or payouts.

The Fund Manager, also known as the Portfolio Manager, trades the fund’s underlying securities, realizing capital gains or losses, and collects the dividend or interest income. Investment proceeds are then passed along to the individual investors. The value of a share of the unit trust, known as the net asset value per share (NAV), is calculated daily based on the total value of the fund divided by the number of shares currently issued and outstanding.

Key Features & Benefits

Professional fund management by fund managers

Diversification of your investment portfolio

Redeem at prevailing price (NAV)

Start with as little as $1,000 in respective currencies

Fund houses

REGULAR SAVINGS PLAN

We also offer Regular Savings Plan (RSP) where you can set a fixed amount to your unit trust on monthly basis from as low as $100 in its respective currency. Through monthly investing, it minimizes the impact of short-term market volatility and benefit from the potential of market growth in the long run.

Let us take a look at the benefits of what we call 'Dollar Cost Averaging'.

Syukri decides to invest BND1,000 at first month and BND200 a month over five (5) months ie. Lump Sum Investing + RSP, while Ahmad wants to invest BND2,000 at one go ie. Lump Sum Investing.


Month	Buying Price (NAV* per unit)
January	BND1.00
February	BND1.20
March	BND0.80
April	BND0.90
May	BND1.00
June	BND1.10

Total

Syukri


Amount Invested	Units
BND1,000	1,000
BND200	166.66
BND200	250
BND200	222.22
BND200	200
BND200	181.81
BND2,000	2,020.69

Ahmad


Amount Invested	Units
BND2,000	2,000
0	0
0	0
0	0
0	0
0	0
BND2,000	2,000

*NAV is the Net Asset Value of the Unit Trust fund.

Although both Syukri and Ahmad invested the same amount ie. BND2,000, Syukri has average down his buying price per unit and therefore has more units than Ahmad.

For latest Unit Trust NAV pricing, click here.

Eligibility Criteria
Required Documents
Fees and Charges
FAQs

Eligibility Criteria
ELIGIBILITY CRITERIA
21 years old and above
Brunei Citizen, Permanent Resident and Foreigners*
Maintain an account with Baiduri Bank or Baiduri Finance

*Terms and Conditions apply
Required Documents
REQUIRED DOCUMENTS
FOR BRUNEI CITIZEN

Valid Brunei Identity Card

or

Identity Card Collection Receipt (that contains client’s photograph, full information, IC number, address, date of birth, place of birth)

or

Valid passport; and Latest Proof of Residential Address¹

FOR ROYAL BRUNEI ARMED FORCE (RBAF) OR ROYAL BRUNEI POLICE FORCE (RBPF)

Valid RBAF / RBPF Identity Card; and
Latest Proof of Residential Address¹

or

Valid passport; and
Latest Proof of Residential Address¹

FOR BRUNEI PERMANENT RESIDENT

Valid Identity Card or Identity Card Collection Receipt (that contains client’s photograph, full information, IC number, address, date of birth, place of birth); and
Passport or International Certificate of Identity (for stateless)

or

Passport or International Certificate of Identity (for stateless)
Latest Proof of Residential Address¹

FOR FOREIGNERS

Valid Identity Card or Identity Card Collection Receipt (that contains client’s photograph, full information, IC number, address, date of birth, place of birth); and
Passport with valid pass (e.g. employment pass, student visa, dependant pass, diplomatic pass etc.)

¹Proof of residential address can be in form of:
Utility bill not over three months old e.g., electricity, telephone, or water bill
Bank Statement, credit card statement or a letter of reference from his/her account from a recognized bank
Valid driving licence
Employment confirmation letter from employer.
Fees and Charges

FEES AND CHARGES
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FAQs

FREQUENTLY ASKED QUESTIONS
FAQS

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Currently, we are in the process of transferring your investment holdings and account balances to Baiduri Invest, with the aim to complete this transition by end of 2024. You will receive an email notification as the migration date approaches.

No action is required for now and you may continue using the Baiduri Capital Securities Trading platform.

In the meantime, learn more about Baiduri Invest here.

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Important update
19 September 2023

We would like to inform you that with effect from 31 October 2023, Business i-Banking service will no longer be operational, and this will be replaced with our new Baiduri b.Digital Business service.

If your company has not transitioned to b.Digital Business, please ensure that every existing user provides the following by 8 October 2023 through the Business i-Banking Inbox:

User’s full name
User’s valid Identification Card (IC) or Passport
User’s mobile number
User's company assigned email address (General company email is not accepted e.g., [email protected])

Alternatively, you can complete the b.Digital Business Amendment Form and submit the form(s) directly to Baiduri Digital Hub, Ground Level, Baiduri Bank Headquarters.

Every user will receive a notification email at their registered email address, once they have been migrated and activated on the b.Digital Business service.

Companies who have not moved to b.Digital Business after 31 October 2023 can re-apply as a new subscriber to the b.Digital Business service. This will require additional documentations to be submitted as part of the application. Refer “Required Documents” here.

Important notice: Our Business i-Banking service will be deactivated soon. To ensure continued access and a smooth transition to the new Baiduri b.Digital Business, please provide your full name, IC, email address and mobile number via Business i-Banking Inbox. If we do not receive updated details from all authorised users, your company will not be migrated to the new platform and a fresh application will be required. For assistance, contact us at [email protected] or call 2268 637/8/9 during business hours. Thank you for your cooperation.

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To strengthen our online security measures, effective 8 January 2024, we will introduce the cooling period feature on our Baiduri b.Digital Personal web and mobile app to prevent unauthorised access.

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