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Unit Trusts

Receive great returns on your investments
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



JuneBND1.10

Total

Syukri

Amount Invested
Units
BND1,000
1,000



BND200
166.66



BND200
250



BND200
222.22



BND200
200



BND200181.81
BND2,0002,020.69

Ahmad

Amount Invested
Units
BND2,000
2,000



0
0



0
0



0
0



0
0



00
BND2,0002,000

*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.



  • Eligibility Criteria
  • Required Documents
  • Fees and Charges
  • Eligibility Criteria

    ELIGIBILITY CRITERIA

    • Minimum age of 18 years old and above
    • Brunei Citizens, Permanent Resident and Foreigners*
    • Maintain an account with Baiduri Bank or Baiduri Finance

    *Terms and Conditions apply.
  • Required Documents

    REQUIRED DOCUMENTS

    FOR BRUNEI CITIZENS OR PERMANENT RESIDENTS

    • Valid Identity Card, Royal Brunei Armed Forces Identity Card, Diplomatic pass; or
    • Valid passport with latest proof of residential address1
    FOR FOREIGNERS RESIDING IN BRUNEI (GREEN IDENTITY CARD HOLDERS)

    Option 1
    • Identity card or temporary receipt, within its validity, issued by the Brunei Immigration Department
    • Passport with valid employment pass (with at least one month’s validity)

    Option 2
    • Passport with valid employment pass
    • Letter of employment issued by the employer
    • Satisfactory evidence of residential address1

    FOR FOREIGNERS NOT RESIDING IN BRUNEI

    • Passport
    • Proof of residential address in home country with the following:
      • Utility bills not over three months old such as electricity, telephone or water bill
      • Bank statement, credit card statement or a reference letter from his/her account from a recognised bank


    1 Proof of residential address can be in the 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 recognised bank
    • Valid driving licence
    • Employment confirmation letter from employer
  • Fees and Charges

    FEES AND CHARGES

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