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Consumer Mathematics

This document discusses various savings and investment options including savings accounts, fixed deposits, current accounts, shares, unit trusts, and real estate. It defines key terms like simple interest, compound interest, and return on investment. Simple interest is calculated on the original principal amount only, while compound interest is calculated on the original principal plus accumulated interest from previous periods. Return on investment is the total profit or loss from an investment expressed as a percentage of the initial amount invested.

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Hafizah Pakah
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447 views5 pages

Consumer Mathematics

This document discusses various savings and investment options including savings accounts, fixed deposits, current accounts, shares, unit trusts, and real estate. It defines key terms like simple interest, compound interest, and return on investment. Simple interest is calculated on the original principal amount only, while compound interest is calculated on the original principal plus accumulated interest from previous periods. Return on investment is the total profit or loss from an investment expressed as a percentage of the initial amount invested.

Uploaded by

Hafizah Pakah
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PPTX, PDF, TXT or read online on Scribd
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CONSUMER MATHEMATICS :

SAVINGS AND INVESTMENTS,


CREDIT AND DEBT
SAVINGS AND INVESTMENT

SAVINGS
Fixed Deposit
Savings Account Current Account
Account
SAVINGS AND INVESTMENT
Saving Account Fixed Deposit Account Current Account

INTEREST
Simple Interest Compound Interest
A reward given to the depositor at a certain Interest that is calculated based on the
rate on the deposit amount (principal) for original principal and also the accumulated
a certain period of time (in years). interest from the previous period of savings.

I  Prt
nt
 r
MV  P 1  
I = interest
MV = matured value
 n
P = principal n = number of periods
P = principal the interest is
r = rate
t = time in years r = yearly interest rate compounded per
t = term in years year
SAVINGS AND INVESTMENT

INVESTMENTS

Shares Unit Trust Real Estate


SAVINGS AND INVESTMENT
Shares Unit Trust Real Estate

RETURN ON INVESTMENT
The return value of each ringgit invested by the investor. (A ratio
of profit or loss derived from an investment)
𝑇𝑜𝑡𝑎𝑙 𝑟𝑒𝑡𝑢𝑟𝑛
= × 100%
𝑇ℎ𝑒 𝑣𝑎𝑙𝑢𝑒 𝑜𝑓 𝑡ℎ𝑒 𝑖𝑛𝑖𝑡𝑖𝑎𝑙 𝑖𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡

I Prt
Rent Capital Gains
I = interest nt
P = principal  r
MV = matured value
n = number of periods
r = rate MV  P 1  
P = principal the interest is
t = time in years  n
r = yearly interest rate
t = term in years
compounded per
year

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