Mr. Azman has only RM20,000 and is currently thinking to invest in stocks.Explain four (4) reasons why he should invest in stocks instead of bonds. (6 markah/marks) b) Bincangkan kenapa pentingnya bagi Encik Azman untuk mengenepikan sejumlah wang sebagai dana kecemasan sebelum merangka dan melaksanakan program pelaburan Discuss why is it important for Mr. Azman to put aside some money as an emergency fund before creating and implementing an investment program. (4 markah/marks) Apakah faedah yang boleh mempengaruhi Encik Azman untuk melabur dalam dana bersama bukannya membeli saham atau bon secara langsung? What are the benefits that may influence Mr Azman to invest in a mutual fund instead of buying stocks or bonds directly? (6 markah/marks) d) Anggap bahawa Encik Azman telah melaburkan wangnya dalam XYZ Mutual Fund dan syarikat itu baru saja mengumumkan pengagihan akhir tahun sebanyak RM2.50 sesaham bagi keuntungan modal dan dividen sebanyak RM4.25. Dengan mengandaikan NAV meningkat daripada RM31.50 kepada RM43.75. Berapakah pulangan tahunan Encik Azman? Suppose that Mr Azman has invested his money in XYZ Mutual Fund and the company has just announced a year-end distribution of RM2.50 per share in capital gains and RM4.25 in dividends. Assuming the NAV increased from RM31.50 to RM43.75. What is Mr Azman's total annual return? (4 markah/marks)