10. A sum of money of RM40 000 is deposited or invested in the following three situations.

Situation 1

Deposit RM40 000 in a fixed deposit account for 3 years. The interest rate offered was 5.2% per annum.

Situation 2

Invest 50 000 units of FGX shares at the price of 80 sen per unit. After 3 years, all the shares were sold at the price RM1.25 per unit.

Situation 3

Invest 160 000 units of unit trusts at the price of 25 sen per unit. During the 3 years duration, the unit trusts pay a dividend of 2 sen, 2.6 sen and 2.4 sen per unit. After receiving the dividend payments, all the units of the unit trusts were sold at the price of 30 sen per unit.

(a) Based on the given information, calculate the return of saving and investment for

Let's calculate the return on saving and investments for each situation based on the given information.

### Situation 1: Fixed Deposit Account
- Principal amount: RM40,000
- Interest rate: 5.2% per annum
- Duration: 3 years

The formula for calculating the amount in a fixed deposit account is given by the compound interest formula:
\[ A = P \left(1 + \frac{r}{n}\right)^{nt} \]

where:
- \( P \) is the principal amount (RM40,000)
- \( r \) is the annual interest rate (0.052)
- \( n \) is the number of times interest is compounded per year (assume it's compounded annually, \( n = 1 \))
- \( t \) is the number of years (3)

\[ A = 40000 \left(1 + \frac{0.052}{1}\right)^{1 \times 3} \]
\[ A = 40000 \left(1 + 0.052\right)^3 \]
\[ A = 40000 \left(1.052\right)^3 \]
\[ A = 40000 \times 1.1648 \]
\[ A \approx 46592 \]

Return:
\[ \text{Return} = A - P \]
\[ \text{Return} = 46592 - 40000 \]
\[ \text{Return} = 6592 \]

### Situation 2: FGX Shares
- Number of units: 50,000
- Purchase price per unit: 80 sen (RM0.80)
- Selling price per unit: RM1.25

Initial investment:
\[ \text{Initial investment} = 50000 \times 0.80 = RM40000 \]

Value after 3 years:
\[ \text{Value after 3 years} = 50000 \times 1.25 = RM62500 \]

Return:
\[ \text{Return} = \text{Value after 3 years} - \text{Initial investment} \]
\[ \text{Return} = 62500 - 40000 \]
\[ \text{Return} = 22500 \]

### Situation 3: Unit Trusts
- Number of units: 160,000
- Purchase price per unit: 25 sen (RM0.25)
- Dividends per unit over 3 years: 2 sen, 2.6 sen, 2.4 sen
- Selling price per unit after 3 years: 30 sen (RM0.30)

Initial investment:
\[ \text{Initial investment} = 160000 \times 0.25 = RM40000 \]

Total dividends received:
\[ \text{Total dividends} = 160000 \times (0.02 + 0.026 + 0.024) \]
\[ \text{Total dividends} = 160000 \times 0.07 \]
\[ \text{Total dividends} = RM11200 \]

Value after selling all units:
\[ \text{Value after selling} = 160000 \times 0.30 = RM48000 \]

Total return:
\[ \text{Total return} = (\text{Value after selling} + \text{Total dividends}) - \text{Initial investment} \]
\[ \text{Total return} = (48000 + 11200) - 40000 \]
\[ \text{Total return} = 59200 - 40000 \]
\[ \text{Total return} = 19200 \]

### Summary of Returns
1. Fixed Deposit Account: RM6592
2. FGX Shares: RM22500
3. Unit Trusts: RM19200

Do you want details or have any questions?

Here are 5 questions you can ask:
1. How do I calculate compound interest for different compounding periods?
2. What are the risks associated with investing in shares compared to fixed deposits?
3. How are dividends from unit trusts typically calculated and paid out?
4. What factors influence the price of shares in the stock market?
5. Can you explain the concept of return on investment (ROI) in more detail?

Tip: When investing, always consider both the potential returns and the associated risks. Diversifying your investments can help manage risk effectively.

Learn how to calculate the return on savings and investments for fixed deposit accounts, shares, and unit trusts. This problem covers compound interest calculations, investment analysis, and dividend payments. Suitable for high school students.

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