Type of Investment Plans

Price is what you pay, value is what you get

Choose a unit trust that suits your needs.

We offer a simple range of unit trusts, suitable for different needs. When you choose a unit trust, there is a trade-off between higher potential return on the one hand, and stability and lower risk on the other.

It is important to assess your financial goals and your risk appetite before looking to invest in unit trusts. Search for unit trust funds that have a risk tolerance that matches yours, and align with your financial goals and objectives. Take the time to understand what your portfolio is made up of, and what you are investing in. To choose the right funds, you need to be clear about your financial objectives and financial goals - for e.g. are you aiming to generate income or preserve your capital?

Different financial goals have different time horizons and requires its own investment approach. Whether you have retired, nearing retirement and not, any portfolio needs to be adequately diversified in terms of asset class, sector and geographical exposure in order to minimise losses and generate higher risk-adjusted returns.

Plan A - Lump Sum

Lump sum investment refers to Investing a considerable amount in a unit trust fund. In lump sum investing, the money is deposited as a one-time down payment.

You gain control of the investments. If you manage the money well, you should be able to turn it into a stream of income that will stand up to inflation and last for life.

You can leave the money to your heirs: If you manage to invest your money wisely, who knows, there might even be some left over for your no-doubt deserving heirs.

Over a period of time (3-20 years), the initial investment will increase as distribution and other income is earned by the fund. Investment performance fluctuates over the short to medium term. You take on the risk that your investment will not perform as you expect.

DISCLAIMER: THIS IS ONLY FOR THE PURPOSE OF ILLUSTRATION, ANY DISCREPANCIES OR DIFFERENCES CREATED ARE NOT BINDING

Plan B - Monthly Regular Savings

Some people invest in unit trusts by making regular (e.g. monthly) contributions to their fund. This is an ideal, disciplined and useful way to accumulate capital for a future need. By making regular contributions over a period of time, the sum accumulated at the end of the period will increase. This is commonly known as dollar cost averaging.

At the end of the period, the redemption (or sale) price of the units held will represent the accumulation of all contributions, plus returns generated from the total contributions since the first purchase was made. The effect is more noticeable the longer the holding and contribution period.

DISCLAIMER: THIS IS ONLY FOR THE PURPOSE OF ILLUSTRATION, ANY DISCREPANCIES OR DIFFERENCES CREATED ARE NOT BINDING

Strategic investments can grow your money over the long term, and the sooner you start, the more time you have to ride out the ebbs and flows of the stock market as well as capitalize on the power of compound interest.

Inflation affects all of us but has a greater impact once you are no longer working full-time and can’t adjust your savings to accommodate the rising costs. When inflation is on the rise, do your best to keep all sources of income, such as salaries and investments, growing as fast as (or faster than) your expenses. During deflationary periods, as prices decline, try to increase your savings instead of spending more.

The real value of ringgit-cost averaging is that you don’t need to worry about investing at the top of the market or trying to determine when to get in or out of the market.