****** WHY DON'T U INVEST USING UR EPF ACCOUNT ****** INVESTMENT IN UNIT TRUST :
1- GET HIGH INTEREST 2- CAN TRANSFER EPF ACCOUNT :- ( MINIMUM - ACCOUNT 1 MUST HAVE AT LEAST RM 55K ) OR CASH ( MAXIMUM - NO LIMITS ) 3- VERY HIGH INTEREST, (CALL US TO FIND OUT) CALL : 6 016 - 6399 746 NO EMAIL OR SMS,ONLY CALL Why Invest in Unit Trust? Professional Investment Management The fund managers who take care of your unit trust funds have access to information and statistics from leading economists and analysts. Consequently, they are in a better position than individual investors to identify opportunities for your investment to grow. Diversification Unit trusts allow you to broaden your portfolio. With your nest-egg spread across a basket of securities, your overall investment risks are reduced. Liquidity An investor can sell his units, wholly or partially, at the following trading day's unit buying price. Units have a high liquidity, that is, they can be readily converted into cash. Ease of Transactions Unit trusts provide investors with a simpler, more convenient and less time-consuming method of investing in securities. The paperwork that comes with managing your own portfolio of shares and bonds are handled by the fund manager. Security The interests of unitholders are protected by the appointment of an independent trustee to hold the fund's assets on behalf of the unitholders. The trustee will also ensure that the fund manager will always manage the fund in accordance to the Deed of the fund and the Guidelines issued by the Securities Commission. Affordable and Flexible The minimum initial investment amount is low as compared to investment in shares and/ or bonds. Furthermore, additional investment can be made in even smaller amounts than the minimum investment amount. Potential Risks of Investing in Unit Trust Market Risks As unit trust funds generally invest in listed securities, they may be susceptible to fluctuations in the performance of the stock market. Changes in the economic, political and sosiological environment will affect the stock market and changes in the share prices will then affect the price of the unit. Specific Risks Risk that are specific to individual companies or shares that a unit trust fund may have invested in rather than the market in general. Fund Management Risks The selection of the securities which make up the assets of the unit trust fund is a subjective process and hence, securities selected by the manager may perform better or worse than the overall market, or as compared to other unit trust funds. Management Company Risks This risk refers to the possibility that the manager may not adhere to the investment guidelines or restrictions of a unit trust fund. Poor management of the investments of the unit trust fund may jeopardise the investment of the unitholders. Credit/Default Risk Fixed income instruments such as bonds, term deposits and debentures constitute credit risk if the institution invested in is not able to make the required interest payments or repayment of principal. Interest Rate Risk The interest rate risk is particularly significant in bond funds as the investments made by the bond funds generally depend on forecasting movements of the interest rate. Prices of the bonds generally move inversely to the interest rate which means that as interest rate rise, prices of bond will decline and vice-versa. Liquidity Risk This refers to the fund's ability to quickly and easily trade, at a reasonable price into and out of positions. The bond and/or private debt securities market is not as liquid as the equity market. Inflation Risk This risk refers to the risk that the value of the unit trust investment may be eroded if inflation is constantly higher than the rate of returns on investments. Financing Risk This risk occurs when investors take a loan to finance their purchase of units of a unit trust fund. In the event that the value of their investments drop to a certain level, the financier may require additional collateral and the investor may be unable to meet the requirement. Regulation of Unit Trusts Only unit trust schemes which are approved may be offered for sale to the Malaysian public. Such schemes must comply with requirements of the Securities Commission Act 1993 and are primarily regulated by the Securities Commission. CALL : 6 016 - 6399 746 NO EMAIL OR SMS,ONLY CALL __________________________________________________ Do You Yahoo!? Tired of spam? Yahoo! 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