Make your money work harder for you

To help us to understand your risk attitudes, financial needs and investment objectives in order to identify your Risk Profile.

From your Risk Profile, we will discuss a range of investment products or portfolio for your consideration.

We will also reassess the Suitability Assessment Profiling with you on an annual basis to cater for changes in your risk tolerance and investment objectives.

Unit trusts pools together money from many investors & then invests the total amount is a mix of assets (including shares, bonds & other listed investment instruments).

To measure the performance of a fund, you measure the returns (the amount of money you have made from investing in a fund).

Although past performance does not guarantee future performance, it is a good gauge on the funds’ future ability to generate returns.

All investments have risks, but the risk characteristics are not always the same for each investment - so what may affect the value of one investment may not necessarily affect another. By spreading your portfolio between a wide range of different investments (or diversifying your investments) you decrease the effect of one investment on the overall performance of your portfolio.

Diversification ensures your investment Ringgit is spread across a range of investments in line with your investment objectives. Balancing your portfolio across a range of investments helps you to maximize your investment returns and minimize your exposure to risk.

Unit trust funds is one of the easiest ways to diversify!

Ringgit cost averaging (or investing regularly over time) is the habit of investing a fixed sum of money over regular intervals - regardless of which way the investment markets are heading. With this, units are purchased at an average cost.

This strategy removes guesswork about when you should buy and sell. Not even the best investment managers can pick the highs and lows of the investment markets all the time.

Ringgit cost averaging is a disciplined way of making regular investments.

Things change in life and it is important that your plan has the flexibility to change with you. It is advisable that you and your planner meet at least once a year to review your plan (or more often, if you prefer) to ensure that it is still on track to meeting your financial goals.

To learn more about our products, click on Unit Trust or visit any AmBank branch to get advise from our Personal Bankers / Wealth Specialists / Relationship Manager today.