Wealth Accumulation & Preservation

Wealth accumulation is important for middle and long term intention, unit trust has been an important tool for wealth accumulation; one of the main advantages of regular saving is known as ‘dollar-cost averaging’. When investors buy on a monthly basis, they will buy more shares when the market is weak, because their regular investment sum will go further, and fewer shares at the top of the market. This means that, in a volatile market, the average price per share paid by a regular monthly investor works out to be lower than the average market price. It also removes the risk of unwittingly putting a large lump sum into equities when prices are close to their peak.


2.1 Unit Trust

A form of collective investment constituted under a trust deed. The underlying value of the assets is always directly represented by the total number of units issued multiplied by the unit price less the transaction or management fee charged and any other associated costs. Each fund has a specified investment objective to determine the management aims and limitations.


2.2 Private Retirement Scheme

Private Retirement Scheme (PRS) is a voluntary long-term investment scheme designed to help individuals accumulate savings for retirement. PRS seek to enhance choices available for all Malaysians, whether employed or self-employed, to voluntarily supplement their retirement savings under a well-structured and regulated environment. Each PRS offers a choice of retirement funds from which individuals may choose to invest in based on their own retirement needs, goals and risk appetite. The fund options under a PRS are intended to enhance long-term returns for members within a regulated framework. Assets of each PRS are segregated from the PRS Provider and held by independent Scheme Trustee under a trust.


2.3 Investment link plan

Investment-linked insurance policies (ILPs) have both life insurance and investment components. Premiums are used to pay for units in investment–linked sub-fund(s) of one choice. Some of the units bought are then sold to pay for insurance and other charges, while the rest remain invested.

ILPs provide insurance protection in the event of death or total and permanent disability (TPD), if included. Depending on the policy, the death or TPD benefit may comprise the higher of the sum assured or value of ILP units or some combination of the sum assured and the value of ILP units. How much is paid depends on the value of the units of the sub-fund at the time.

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