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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



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
  • FAQs
  • 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
    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

  • FAQs




    FREQUENTLY ASKED QUESTIONS

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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.

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.

Click here for more information.

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