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