****** 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
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