How much is the recommended investment amount? 建议投资多少钱？
The minimum investment amount is RM 1,000.
Our clients generally invest amounts ranging from RM 20,000 to RM 1,000,000.
最低从 RM 1,000 开始投资。
顾客一般投资数额从RM 20,000 到 RM 1,000,000不等。
How to get started? 怎么开始投资？
Please contact me. I'll apply an account for you online.
Your account will be activated within 3 to 5 days (excluding non-working days and public holidays). Non-business day or public holiday applications will be approved 3 to 5 days from the next business day.
The login ID will be sent to your registered email address and the one-time login password will be sent to your mobile phone.
You will need to log in to your account and change your own login ID and password.
What services do we provide? 我们提供什么服务？
We provide professional investment advice and investment solutions.
Investment instruments include unit trusts, Managed Portfolios, retail bonds, insurance, and so on.
How much do we charge? 我们如何收费？
There is no charges for investment advice.
If you feel the investment is right for you and you want to invest, then you will enjoy lower sales charge than the market.
What platform is this? 这是什么平台？
One of the largest listed wealth management fintech platforms in Asia, headquartered in Singapore, powered by in-house IT systems, provides a comprehensive portfolio of investment solutions and services to financial advisory firms, financial institutions, banks, multinational corporations, as well as retail and high net worth investors in Asia.
The platform is governed by Malaysian law.
The Company holds a Capital Markets Services Licence (CMSL) and is licensed by the Securities Commission to carry out the following regulated activities :-
Operating unit trust funds
Provide investment advisory services
Handles private retirement plans
Trading in securities (OTC bonds only)
Fund management related to portfolio management
The platform is Unit Trust Advisers (IUTA) and Institutional Private Retirement Plan Advisers (IPRA), registered under the Federation of Investment Managers Malaysia (FIMM). The company is also an approved financial adviser authorized by the Bank Negara Malaysia to engage in financial advisory business.
本公司持有资本市场服务牌照(CMSL)，并获证券监察委员会 (Securities Commission) 发牌进行下列受规管活动:-
What is a fund? 什么是基金？
A fund is a financial instrument that allows the public to pool their money in a "trust" fund, managed by a professional fund manager, and then invest the fund in a diversified portfolio of stocks, bonds and other investments.
Is Unit Trust regulated? Is it safe? 基金受监管吗？安全吗？
Unit trust is regulated by Malaysian law and is safe. The Capital Markets and Services Act 2007 regulates all matters relating to unit trusts, while the Unit Trust Guidelines govern the operation and administration of unit trusts. The guidelines also provide a regulatory environment for protecting the interests of the public and promoting the orderly development of the trust industry.
So when you invest in a unit trust, your money is safe. The Securities Regulatory Commission will read and approve the prospectus and annual report of the Unit Trust, audit the financial records of the Unit Trust on a regular basis and generally ensure that everything is in order. To protect your investment, a trustee will be appointed. The trustee shall exercise custody and control over the assets of the fund and ensure that the fund manager complies with the requirements of the trust contract.
What is a bond? 什么是债卷？
A bond is a financial instrument used to represent a loan between the party raising money and the party lending it (the bondholder). Bonds are generally categorized by government bonds and corporate bonds.
What are the risks? 投资有风险吗？
All investments carry a certain amount of risk. Therefore, potential investors should consider the following risk factors before making any investment:
Buying any security involves some risk. As unit trusts invest primarily in listed stocks, they may be exposed to losses due to global, regional or national economic conditions, government policies or political developments. Market uncertainty and the market volatility caused by these uncertainties can affect the net asset value (NAV) of unit trusts, which may fall as well as rise.
The various bonds purchased by the fund may be subject to liquidity risk. Liquidity risk refers to the fund's ability to take and trade positions quickly and easily at a reasonable price. If the fund contains a security that has become temporarily or permanently illiquid or difficult to sell, the fund manager may need to sell the security at a price below its fair value, which will ultimately affect the value of the fund.
The performance of the fund depends on the experience, expertise, knowledge and investment skills of the fund manager. Poor management of the fund will cause significant losses to the fund, which in turn may affect the funds invested.
Ideally, the goal of any investment is to ensure a return above the rate of inflation. Although funds constantly seek to maximize returns and exceed the rate of inflation, they sometimes suffer losses, resulting in returns not keeping up with inflation in the short term.
Interest Rate Risk
Fixed income securities and bonds are particularly sensitive to changes in interest rates. When interest rates rise, the value of fixed-income securities and bonds falls, and vice versa, affecting the net asset value of the fund. A country's general interest rate environment may affect the value of an investment.
What is the expected rate of return? 预计的回报率是多少？
The rate of return depends on the performance of the fund/bond/stock.
Return on investment can be divided into investment income and capital growth:
Investment income comes from dividends on shares and capital gains on the sale of shares.
The return on capital growth comes from an increase in the value of the stocks in the portfolio. An investor who sells a fund/bond/stock above the purchase price makes a profit, while similarly, an investor who sells a percentage of his investment below the purchase price suffers a loss.
Other questions? 其它问题？
Please feel free contact Sam 017 703 7310 directly.
请直接联系Sam 017 703 7310。