SARA 1Malaysia


SARA 1Malaysia

The registration of newly-launched Skim Amanah Rakyat 1Malaysia (SARA 1Malaysia) will start on Monday 30th January 2012 and will extend for a year or upon full subscription.

SARA 1Malaysia is a hybrid of a unit trust investment and a loan product. The scheme expected to offer 32.16 per cent return on investment per annum. However, the net return is only 12 per cent per annum if the investors are taking loan.

The scheme was not a get-rich-quick scheme but a government-initiated savings and investment scheme to educate and help low-income earners to invest since they are not financially capable.

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SARA 1Malaysia

The previous post on Skim Amanah Rakyat 1Malaysia (SARA 1Malaysia) was getting a lot of interest and many readers are asking for more details information, especially on how to subscribe. Where can you get an investment fund with a government guarantee of 32% annual return?

Kindly take note that, the scheme is only eligible to one member per household. Eligible household refers to individuals with gross household monthly income of between RM500 and RM3,000 including the following categories,

  • Married – a combination of gross income of the husband and wife
  • Single mothers or fathers – individual gross income.

Below are updates regarding the scheme.

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SARA 1Malaysia

As highlighted in 2012 Budgets, households with a monthly income in between RM500 to RM3,000 will be eligible to participate in Skim Amanah Rakyat 1Malaysia (SARA 1Malaysia). The scheme will be opened starting 30th January 2012.

The scheme is a hybrid of a unit trust investment and loan product, capable of generating consistent cash flow or monthly incentives.

Under SARA 1Malaysia scheme, the eligible participant may invest up to RM5,000 into the scheme for the period of five years by using their own money or taking a loan from either Maybank, CIMB, RHB Bank or Bank Simpanan Nasional. The loan repayment period is five years.

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