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No matter if you’re a beginner or an experienced investor, unit trusts can help you meet your investment goals. Here’s how you can pick the right unit trust fund for you, whether you’re growing your wealth for retirement, or balancing out the effects of inflation.

Why invest in unit trusts?

Unit trusts are thoroughly regulated by securities commissions, and are managed by professional fund managers, who can find opportunities to help your investment grow.

 

There are many ways you can contribute to a fund, whether it’s with a lump sum, regular contributions, or your EPF savings. Your money will be invested in a variety of assets, which would help diversify your portfolio, and you can easily liquidate your returns for cash.

Choose the right fund for your risk appetite

There are a variety of unit trusts available. Although unit trust funds may invest across many asset classes, different funds can tend towards different risk and reward levels. Generally, money market and fixed income funds carry a lower risk, equity funds are higher risk, and balanced funds are moderate risk.

 

It’s important to invest in a fund that will suit your own risk appetite and investment goals. Are you an aggressive investor, willing to take a high risk for high potential growth and returns? Or are you more conservative, and just want a small, stable income from your investments? Knowing your investment personality will help you find a unit trust that can meet your investment goals, at a level of risk that you are comfortable with. You can find out your investment personality here.

Know your fund

When you’re considering a fund for investment, it’s important to evaluate its performance, risks and costs. To evaluate a fund’s performance, you can compare its returns against its benchmark index to see if it is consistently higher than average. You can also do a peer comparison, to see how the fund performs relative to other funds investing in similar industries. 

 

However, past performance does not guarantee future results. To evaluate the risks, you’ll also want to look at the fund’s strategy, sector allocations and holdings. This information will help you determine how well it can face any potential challenges in the future.

 

Aside from performance and risk, other factors to consider are the fees and charges for subscribing to the fund, redeeming your investment, and switching fund categories. Consider how much and how often you’re willing to invest, and whether the potential returns are good enough to cover the costs.

Build Wealth with Core Funds

A core fund is a fund that generally more diversified in terms of countries or sector exposures, hence the risk is better spread out for more consistent performance and it is devoted to provide consistent return.  CIMB has identified them as core funds because it represents a good base for an investor portfolio, a safety zone that is more dependable with long-term track record relative to funds within the same asset classes.

Asset Class Fund Name

Risk Category

Global Equity

United Global Quality Equity Fund – MYR Hedged

Growth
Regional Equity

Affin Hwang Select Asia (ex Japan) Opportunity Fund

Growth

Principal Asia Pacific Dynamic Mixed Asset Fund

Growth
Local Equity Eastspring Investments Dana Dinamik Growth
Fixed Income

Affin Hwang Select Bond Fund - MYR

Conservative

These funds are diversified across countries, sectors and asset classes. This helps to reduce the funds’ correlation with each other, which helps to provide investors with better risk-adjusted returns from their investment portfolios. These funds are identified as Q4 2020 Core Funds.

Enhance your wealth potential with tactical funds

Tactical asset allocation is an active management portfolio strategy for investors who shirts its allocation of assets into strong market sectors, or looking for new opportunity with the newly launch funds in the market. CIMB has tactical fund that are designed with your best interest in mind.

Asset Class Fund Name

Risk Category

Global Equity Principal Global Technology Fund – MYR Hedged Aggressive
United Global Healthcare Fund – Class A – MYR Acc (Hedged)
Aggressive
Affin Hwang World Series – Global Balanced Fund – MYR Hedged
Balanced
Regional Equity RHB Asia Dynamic Fund Growth

Selection of Unit Trust Funds are based on both quantitative (e.g. performance consistency, risk adjusted return) and qualitative (e.g. interview with fund managers) measures. These funds are identified as Q4 2020 Tactical Funds.

Learn more about Unit Trust here.

 

Speak with our Relationship Managers about your investment goals today, visit your nearest CIMB Preferred Centre or log in to CIMB Clicks to start investing.

 

Disclaimer

The contents in this document are reasonably believed to be correct at the time of issue and are subject to change.

 

CIMB Bank Berhad (“CIMB”) makes no express or implied representation, recommendation or warranty as to the accuracy, desirability, reliability, or completeness of any information and opinion relating to any matter contained in this document.

 

The information in this document is subject to change and correct at the time of issue. Neither does this document purport to contain all the information that a prospective investor may require. Because it is not possible for CIMB to have regard to the specific investment objectives, financial situation and particular needs of each person who reads this document, the information contained in it may not be appropriate for all persons.

 

CIMB is not acting as advisor or agent to any person whom this document is directed. You, the recipient of this document must consult your own professional financial, legal, accounting, taxation and all other advisers and make your own independent assessment of the contents of this document. Under no circumstances should you treat or rely on any of the contents of this document as advice in relation to any of your financial, legal, accounting, taxation, technical, investment or any other matters. 

 

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