Best Suitable Fund for you ?

There are 3 main Type of Fund:

Money Market Fund : Lowest Risk (Risk 1)
Bond Fund: Medium Risk (Risk 2)
Equity Fund: High to Very High (Risk 4/5)

I notice that people's first impression toward unit trust fund is that all funds are high risk fund. In fact there are lowest risk fund namely money market fund and bond fund. I did a simple explanation for a better understanding on different fund, there is different risk, different return and loss. Hope it helps you to choose a better, suitable fund.

Summary:

with just 5 min read, you got better understanding ..

1. Money Market Fund (Lowest Risk, Emergency Fund)

What Is MM

Mainly invested in deposits (min of 70%) & money market instruments.

Fund Objective

To provide Liquidity & Income while maintaining capital stability.

Suitable To

Short term investors seek capital preservations. (short term refer to less than 3 years)
Who wish to receive return higher than savings account, can parking for few weeks/month, more on short term.

Return

Average return 2-3%

Suggestion Investment Period

Less than a year

WHAT IS MONEY MARKET BENEFITS:
•Min opening: RM 100 only
•0% Service Charge
•Flexible to withdraw, 2-3 working days.
•Safe, Lowest Risk
•Invest/redeem via PMO online, very convenient.
•Free Fund Consultation

2. Bond Fund (Medium Risk)

This bond fund is another better alternative for Fixed Deposit Lover.

What is Bond Fund:

Investing into debt securities issue by Government & Corporations.
Debt securities issue by

Government Malaysian government securities MGS, Government Investment Issue GII.
Government linked investment company: Khazanah Nasional, UEM, Maybank, TM
Private Sector: Genting, Sunway Reit, Top Glove

Suitable To:

Medium to long term investor who wish to find better alternation than Fixed deposit.
Wish to receive return higher than Money Market Fund.

Return:

4-6% per annum

Suggestion Investment Period

3 years above
NOTE: There is not a contract of 3 years investment. This is flexible investment whereby investors can redeem/invest anytime.

WHAT IS BOND FUND BENEFITS:

Min opening: RM 1,000
Lower service charge at 1%. Via PMO online: 0.95%
Stable Return-Beatable to Fixed Deposit, Investment-link saving plan.
Flexible to withdraw, 10 days business day
Invest/redeem via PMO online, very convenient.
Free fund consultation

3. Equity Fund (High/Very High Risk)

What is:

A fund mainly invested in diversified shared of listed companies (Public bank, listed in Malaysia, Singtel, Telco, listed in Singapore, TNB, Listed in Malaysia,Samsung, listed in Korea & Listed Securities (Reits, ETFs)
Invested in share of more than 40 companies.

Suitable to:

Medium to long term investors who able to withstand ups n downs of the stock market in pursue of capital growth.
looking for higher return and able to tolerate higher risk.

Return:
8-12%

Suggestion Investment Period

5 years and above

NOTE: There is not a contract basis for the investment period. That is a recommended investment period only. There is no exit fees/penalty for the early redemption .

HOTTEST FUND-EQUITY FUND!!!!
Each Equity fund is differentiated based on its investment features
1.Market Capitalisation (Large Cap, Mid Cap, Small Cap)
2.Sector (property, consumer, telco & infrastructure, Lifestyle & Technologies)
3.Dividend
4.Geography (Country, Region, Global)
5.Shariah

Don't worry, we will advise and choose the best suitable fund based on your investment objective, Duration of investment, risk level.

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