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KembaraXtra – Islamic Derivatives: Types of Financial Contracts in Options


🔹 1. Call Option Contract
 
👉 A call option is a contract that gives the buyer the right to buy an asset at a fixed price.
 
🔸 Key Features
  • Right to buy
  • Expect price to increase 📈
  • Pay premium
 
🔸 Example
  • Right to buy palm oil at RM4,000
  • If price rises → profit


🔹 2. Put Option Contract
 
👉 A put option is a contract that gives the buyer the right to sell an asset at a fixed price.
 
🔸 Key Features
  • Right to sell
  • Expect price to decrease 📉
  • Pay premium
 
🔸 Example
  • Right to sell palm oil at RM4,000
  • If price falls → profit


🔹 3. Stand-Alone Option Contract
 
👉 Options traded independently in the market
 
🔸 Features
  • Separate contract
  • Premium paid separately
  • Used for trading/speculation


🔹 4. Embedded Option Contract
 
👉 Options built into another financial contract
 
🔸 Features
  • Not traded separately
  • Cost included in product
  • Used in:
    • Financing
    • Lease
    • Investment products


🔹 5. American vs European Options
 
👉 Based on exercise timing
 
🔸 American Option
  • Can exercise anytime before expiry
 
🔸 European Option
  • Can exercise only at expiry


🔹 6. Cash-Settled vs Physically Settled Options
 
👉 Based on settlement method
 
🔸 Cash-Settled
  • Only pay price difference
  • No asset exchange
 
🔸 Physical Delivery
  • Actual buy/sell of asset


🔹 Simple Summary
 
Types of option contracts include:
  • Call option → right to buy
  • Put option → right to sell
  • Stand-alone → traded separately
  • Embedded → built into contract
  • American/European → timing
  • Cash/Physical → settlement
 

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