Unit Trust Via Nana

WE HAVE MOVED!

2008-02-20T20:00:00.002+08:00

Welcome to our new home, new domain....

www.dviana.com/nana

DALI 3 - New fund@25 cents

2008-02-14T14:17:00.002+08:00

In realising the significant awareness towards Islamic and Syariah based funds and being the largest of Syariah funds provider, CIMB Wealth Advisors is proud to announce the arrival of CIMB Islamic DALI Equity Theme Fund (DALI 3) which emphasises on investors keen towards a moderately aggressive investment with higher returns. This fund launch on 18th Feb@25cents. DALI 1 has made 49.52% DALI 2 has made 50.2% since January 2007)

For more details pls call/sms me 0173406898 or email me at norfazlina.termizi@dviana.com

Welcome Imran to Unit Trust's World

2008-02-07T23:35:00.000+08:00

Today I would like to congratulete Jodan's friend, Imran Hashim who will be sitting FMUTM's exam in the near future.

He expressed his desire to join CIMB as Unit Trust consultant after attending CIMB's Grand BOP at Sheraton's Hotel last January. He believes this program will give him a good start to have his own business on his leisure.

Nana and Jodan here, welcome him on this team and we hope he will success in this business. You may contact him at imranhashim74@yahoo.com or his blog here.

P/S - he also an expert on SUN Solaris :)

FAQ - Frequently Asked Questions about Unit Trust

2008-02-03T01:12:00.000+08:00

Why would I want to invest in unit trust?

Professional Investment Services
Diversification Opportunities
Affordable
Convenience
Liquidity

What are the types of investment plans available?

Cash - Lump Sum Investment or Cash Plan
Cash - Regular Investment Plan (Auto Debit / Standing Instruction)
EPF Investment Scheme
Loan Plan

What is an Autodebit / Standing Instruction?
It is a facility that allows you to auto deduct a fixed amount of money every month for the purpose of investing into specific unit trust funds. The banks that offer such a facility with CIMB Wealth Advisors and their respective dates of deduction are as follows:

MAYBANK : Every 14^th or 28^th of the month
CIMB : Every 10^th or 20^th of the month
BSN : Every 5^th or 19^th of the month
EON : Every 8^th or 16^th of the month
RHB : Every 12^th or 25^th of the month

Who can Invest?

Malaysian or Non- Malaysian (expatriate working / residing in Malaysia) individuals aged 18 years and above.
Malaysian or Non-Malaysian with registered Company or incorporated bodies, operating in Malaysia.

Note: All businesses operating in Malaysia must register with ROC / ROB.

Where can I invest?

CIMB Wealth Advisors’s home office in Damansara Utama
CIMB Wealth Advisors’s regional / branch offices
CIMB Wealth Advisors’s sales offices

Will I get a confirmation on my unit trust investment?
Yes. You will receive the following:

Confirmation Advice Slip (CAS) for every investment (excluding Auto Debit which will be sent to you by ordinary mail)
Yearly Statement of Account
Unit Split Statement / Distribution Statement (if any)

Where can I find information on unit trust pricing?
You can find the information in the newspapers (e.g. The Star or The New Straits Times) or you may get it from our website at www.cimb-wealthadvisors.com or call our Customer Care Centre at 03–7718 3000.
What are the types of returns from unit trust investment?
The returns on investment for unitholders are usually in the form of capital appreciation & distributions through income generated from the portfolio of the assets held by the unit trust funds.
How often will I get the financial reports?
You will be informed of the performance of the Fund that you have invested in through an audited annual report for the financial year-end of the Fund and an unaudited interim report (applies to a six-month period). These reports will be sent to you within two months of the two stated periods.

THIS IS INVESTMENT UNIT TRUST NOT SKIM CEPAT KAYA, BUT SURE KAYA...
EVERYBODY ARE INVITED TO JOIN OUR PLANNING TO GROW YOUR MONEY
HAPPY INVESTING TO ALL OF YOU :)

norfazlinatermizi@gmail.com

Benefit Of Investing In CIMB Unit Trust

2008-02-03T00:56:00.000+08:00

Unit trust funds provide you with a simple, convenient and less time-consuming method of investing in securities compared to investing directly in the stock market or any other eligible market. As an investor you are able to benefit from the expertise of full-time professional fund managers without the need to worry about what kind of securities to buy and when to get in and out of the market. By investing in unit trust funds, you have the opportunity to spread your money over a diversified portfolio of assets which otherwise may not be possible on your own.

In brief, the benefits you will get to enjoy with unit trust investment are:

Professional investment services
Diversification opportunities and minimised risks
Affordability
Convenience
Liquidity

lots of profit and advantage kan, so think and decision for your own future..

more info and details please contact
norfazlinatermizi@gmail.com
017 340 6898

About CIMB Financial Care Center

2008-02-03T00:50:00.000+08:00

An extended arm of CIMB Wealth Advisors, Financial Care Centre (FCC) holds an Investment Advisor (Corporate) License from the Securities Commission and is established to serve you with integrated financial planning services.

For the financially active professionals and entrepreneurs, this is the place for you to have your financial health analysed. Here, you can seek professional advice from our Financial Planners on your financial plans, i.e., whether your savings for your children’s education or your retirement is working; or whether your investment portfolio has the right mixes to ultimately achieve your financial goals.

Our Financial Planners are qualified CFPs, certified by the Financial Planning Association of Malaysia (FPAM) and licensed by the Securities Commission as Investment Representatives. We are dedicated to help you make smart financial decisions by bringing you through an investment process, using advanced financial analysis technology. Along the process, we will work with you to select suitable financial products, develop strategic financial plans and manage the plans efficiently. At FCC, we will continually monitor and review your investment portfolio to look for potential growth opportunities.

To know more of our services at FCC, call our office at Damansara Perdana for an appointment. Take advantage of the professional services that are provided and enjoy peace of mind, knowing that your investment objectives have been incorporated into your financial plan. With our Financial Planners, you are working with professionals whom you can trust.

Jemputan ke Grand BOP CIMB Wealth Advisors Berhad

2008-01-28T17:43:00.000+08:00

ANDA BERUMUR 21 TAHUN KE ATAS? INGIN MEMAJUKAN KEJAYA BERSAMA CIMB WEALTH ADVISORS BERHAD? KELAYAKKAN MINIMUM SPM. ANDA DIJEMPUT HADIR KE GRAND BOP (BUSINESS OPPORTUNITY PROGRAM) CIMB WEALTH ADVISORS BERHAD..

PADA: RABU
TARIKH: 30 JANUARI 2008
MASA: 7:30- 9:30 MALAM
TEMPAT: HOTEL SHERATON, SUBANG..

JIKA ANDA INGIN HADIR SILA HUBUNGI SAYA FAZLINA TERMIZI 017 340 6898, UNTUK MENDAPATKAN TIKET PERCUMA.
BERSAMA-SAMALAH KITA MEMERIAHKAN NYA

KWSP Umum Dividen 5.8%

2008-01-22T21:14:00.000+08:00

Seperti diumumkan oleh Menteri Kewangan Kedua , Tan Sri Nor Mohamed Yaacop, Kumpulan Wang Simpanan Kerja (KWSP) telah memberi dividen sebanyak 5.8% kepada pencarum-pencarumnya bagi tahun 2007.

Mstar

Tetapi tahukah anda (pencarum KWSP) boleh mendapat lebih dari dividen yang diberikan dengan menggunakan Akaun 1 KWSP? Caranya dengan menyertai skim pelaburan KWSP dalam "unit trust" . Anda boleh mendapat lebih pulangan dari pelaburan anda dan tentunya persaraan anda dimasa depan lebih menggembirakan.

Untuk maklumat lanjut hubungi saya (Nana) di talian 0173406898 atau email/YM nanaparkz@yahoo.com.

Dari Suara Hati Unit Trust Consultant

2008-01-20T00:40:00.000+08:00

Salam buat semua...

Hari ini 20 Januari 2008 bersamaan 10 Muharam di bulan Islam, ini bermakna sudah dua puluh hari kita berada di tahun 2008.

Sepanjang 20 hari ini, pelbagai yang belaku antara aku dan kerjaya ku di CIMB Wealth Advisors Berhad. Dahulunya pernah juga aku terfikir bahawa sukarnya untuk meneruskan kerjaya ku ini. Tetapi kini semuanya berubah sekelip mata. Aku tidak lagi merungut. Aku harus berpikiran positif dan terus melangkah ke depan.

Nantilah kejayaan ku!

Nana

Iklan Skim Pelaburan KWSP Dalam Unit Trust

2008-01-19T21:55:00.000+08:00

PERHATIAN!! PERHATIAN!!

ANDA WARGANEGARA BERUMUR 18 TAHUN KEATAS??
MENCARUM DALAM KWSP??

TAHNIAH!!!

ANDA DIPELAWA UNTUK MENYERTAI SKIM PELABURAN KWSP DALAM UNIT TRUST "BUKAN HANYA SIMPANAN" ...
SERTAILAH SEKARANG....
"BIARKAN WANG BEKERJA UNTUK KITA..."

JUMLAH SIMPANAN ASAS DALAM AKAUN 1 UNTUK UNIT TRUST

UMUR (TAHUN)	SIMPANAN ASAS DLM KWSP (RM)	JUMLAH MIN YG BOLEH DI INVEST (RM)
18	1000	6,000
19	2000	7,000
20	3,000	8,000
21	4,000	9,000
22	5,000	10,000
23	7,000	12,000
24	8,000	13,000
25	9,000	14,000
26	11,000	16,000
27	12,000	17,000
28	14,000	19,000
29	16,000	21,000
30	18,000	23,000
31	20,000	25,000
32	22,000	27,000
33	24,000	29,000
34	26,000	31,000
35	29,000	34,000
36	32,000	37,000
37	34,000	39,000
38	37,000	42,000
39	41,000	46,000
40	44,000	49,000
41	48,000	53,000
42	51,000	56,000
43	55,000	60,000
44	59,000	64,000
45	64,000	69,000
46	68,000	73,000
47	73,000	78,000
48	78,000	83,000
49	84,000	89,000
50	90,000	95,000
51	96,000	101,000
52	102,000	107,000
53	109,000	114,000
54	116,000	121,000
55	120,000	125,000

KETERANGAN LANJUT
SILA HUBUNGI:

Fazlina Termizi
017 340 6898
norfazlinatermizi@gmail.com

Career with CIMB Wealth Advisor

2008-01-17T16:30:00.000+08:00

"Build a fulfilling and rewarding career with us"

CIMB Wealth Advisors seeks unit trust consultants to meet the increasing demand in financial services. Join us to create, preserve and protect wealth in this in industry today and enjoy the flexibility of building potentially unlimited income at your own time. As a member of our leading team, you can expect the following benefits:

Great potential income
Car loan subsidy
Three annual incentive trips ( Asian & European Countries)
Intensive on-ground training and support from the best in the industry (Charisma Agency & CIMB Wealth Advisors Berhad)

Individuals who are above 21 years of age and possess SPM qualifications are welcome to join our "Business Opportunity Program" as per date time stated below.

RECRUITMENT & CAREER DEVELOPMENT PROGRAM
Date: Every Wednesday
Time: 8:00pm to 9:30pm
Venue: Charisma Agency, Damansara Intan

For more information please don't hesitate to contact me at :

Fazlina Termizi
017 340 6898
nanaparkz@yahoo.com

Iklan- CIMB ISLAMIC GLOBAL EQUITY FUND

2008-01-14T23:46:00.000+08:00

Do you want to invest in the world’s major markets?

Both in developed and emerging economies..

In some of the most valuable brands in the world…

And knowing you are investing in an ethical way..

No investments in alcohol, tobacco, weapons & more

If the answer is YES, then invest in CIMB Islamic Global Equity Fund today!

For more information please contact:

Fazlina
0173406808
norfazlinatermizi@gmail.com

New Fund- CIMB ISLAMIC GLOBAL EQUITY FUND

2008-01-13T11:57:00.000+08:00

CIMB-Principal Launches Its 1st Global Shariah-compliant Equities Fund

8 Jan 2008

Kuala Lumpur: CIMB-Principal Asset Management Berhad launched the CIMB Islamic Global Equity Fund today, its first global equity fund which complies with Shariah principles. With this fund, investors now have access to equities in numerous emerging and developed markets, thereby reducing their exposure to volatility in any single market or region.

Datuk Noripah Kamso, Chief Executive of CIMB-Principal Asset Management Berhad, said: “The CIMB Islamic Global Equity Fund offers a balanced solution that gives investment access to emerging markets while providing investors with long-term stability arising from the strong fundamentals of developed markets. The Fund’s broad diversification across Asia-Pacific, Europe, North and Latin America significantly reduces the overall volatility of the portfolio.”

Datuk Noripah explained that investors can now benefit from a globally diversified portfolio comprising long-term core investments with exposure to satellite asset classes such as the emerging markets of Brazil, Chile, Hungary, Indonesia, Mexico, Philippines, Poland, South Africa and Thailand.

Despite the anticipated slowdown in the US economy, the International Monetary Fund (IMF) recently upgraded its global economic forecasts on the strength of emerging markets, as their strong performance is increasingly a critical driver of global growth. Since 1998, GDP per capita in the emerging markets has risen 4.5% a year, twice the rate of the developed economies. Economic statistics also show that ASEAN countries and Japan have grown less dependent on the United States, with direct trade links to the world’s largest economy diminishing as a percentage of GDP.

Datuk Noripah continued: “The improving outlook in Europe and Japan is also expected to compensate for slower US growth. In Europe, improved consumer confidence and lower unemployment will continue to drive domestic demand growth, while continued integration of new member states into the European Union should fuel exports. Global growth is further supported by the economies of Latin America which have experienced 4 consecutive years of solid growth, with the region’s GDP increasing by 17.6% with an average annual growth rate of 4.3%, the second time in the past 25 years.”

The CIMB Islamic Global Equity Fund seeks to provide investors with medium to long-term capital appreciation through investments in global equities which are undervalued and have the potential for significant growth. The Fund will invest 70% to 99% of its Net Asset Value in Shariah-compliant equities listed on the stock exchanges in the emerging and developed markets of Asia Pacific, Europe, North and Latin America. The Fund will be managed by Principal Global Investors, a diversified asset management organization and a member of the Principal Financial Group®, with expertise in equity, fixed income and real estate investments. It managed US$306 billion in assets as at 30 September 2007.

Datuk Noripah concluded: “With a minimum investors can have investment access to renowned companies such as Exxon Mobil, Microsoft, Cisco Systems and Vodafone.”

The CIMB Islamic Global Equity Fund is distributed by CIMB Wealth Advisors. The initial selling price per unit will be RM0.50, and the approved fund size is 300 million units. The fund's initial offer period ends on Monday, 28 January 2008.

http://www.cimbislamic.com/index.php?ch=islam_about_news&pg=islam_about_news_oview&ac=1255&tpt=2

*For more information, please call/sms me, Fazlina (nana), at 0173406898

IKLAN KEJAP

2008-01-04T23:48:00.000+08:00

www.cimb-wealthadvisor.com

CIMB UNIT TRUST:

ANAK BUAH CIMB GROUP

CEO DATO' NAZIR TUN ABD RAZAK

DIKOPORATKAN 17 DISEMBER 1990

DILULUSKAN OLEH BANK NEGARA MALAYSIA

ANUGERAH 2 TAHUN BERTURUT-TURUT “MALAYSIA FUND HOUSE OF THE YEAR 2006 & 2007”

DIURUSKAN OLEH PROFESIONAL MAN. OF CIMB

PLAN JANGKA MASA PANJANG MIN. 3-5 TAHUN

PULANGAN TINGGI 10-15% p.a

DANA ISLAM YANG TERBESAR DI MALAYSIA

DANA ISLAM DAN KONVESIONAL

TAX DIKECUALIKAN

E-SWITCHING PERCUMA 4KALI setahun

BENEFIT:

BONUS (UNIT)

DIVIDEN (RM)

CAPITAL GAIN

CTH: 0.55 >1.55 =1.00

KELAYAKAN:

RETIREMENT PLAN

KWSP (A/C 1 SHJ )

-MELALUI KWSP MESTILAH JUMLAH A/C 1 SEKURANG-KURANGNYA RM9000 DAN BERUMUR 25 TAHUN KE ATAS

CASH PLAN

-MIN. RM 1000

EDUCATIONAL PLAN

AUTO DEBT / REGuLAR SAVING

MIN. RM 100 SETIAP BULAN

DAFTARLAH SEKARANG....

“EVERY TIME IS THE RIGHT TIME TO INVEST”

LET’S MAKE YOUR MONEY WORK HARDER FOR YOU

SILA HUBUNGI:

FINANCIAL ADVISORS

FAZLINA 017 340 6898

UNIT TRUST 101

2008-01-04T20:01:00.000+08:00

Salam buat semua...saya Nana berkongsi dengan anda semua tentang apa itu unit trust CIMB atau unit amanah dan kebaikannya. Selamat membaca J. Kalau ingin mengetahui lebih lanjut tentang pelaburan ini hubungi saya 0173406898.

CIMB merupakan salah satu institusi kewangan terbesar yang terdapat di Malaysia dan CEO CIMB ini adalah Dato' Nazir Tun Razak yakni anak kepada bekas perdana menteri kedua Malaysia dan juga adik bongsu kepada Timbalan perdana menteri Malaysia, Dato Najib Tun Razak. Telah di korporatkan pada 17 Disember 1990. Sebelum bergelar CIMB, dahulunya dikenali sebagai SBB Mutual. Merupakan syarikat unit trust yang pertama yang diluluskan untuk menjalankan pelaburan ke luar negara pada 1995. Seterusnya menjadi syarikat unit trust yang pertama dianugerahkan status IUTA ( Institutional Unit Trust Agents). CIMB unit trust merupakan juga adalah mempunyai dana islam yang terbesar di Malaysia. Dan yang terbaru, CIMB akan melancarkan dana baru yang iaitu Islamic Global Equity untuk pelaburan melalui tunai (cash) pada 8 Januari 2008.

Unit trust atau unit amanah ini konsepnya sama seperti ASB (amanah saham bumiputera). Yang membezakan unit trust CIMB dengan amanah saham bumiputera adalah unit amanah CIMB tidak memberikan pinjaman kepada pelabur-pelaburnya dan juga memberi pulangan melebihi amanah saham bumiputera atau lebih dikenali dengan ASB. Antara kelebihan unit trust ini adalah tiada had untuk melabur dan pulangan tinggi dari 10% - 15% dan lebih tidak seperti ASB akan memberi pulangan kepada pelabur-pelaburnya secara tetap 7% - 9% ,tetapi pada tahun ini ASB memberikan pulangan 8% dan jumlah wang pelaburan terhad yakni sehingga rm 250,000 sahaja. Selebihnya tidak akan dikira sebagai pulangan.

Unit trust ini boleh juga dikatakan pool of money ataupun tabung dana yang mana memuatkan duit-duit pelabur yang melabur di dalam CIMB. Kesemua duit para pelabur akan disatukan didalam tabung dana tadi. Pelabur-pelabur yang melabur dalam unit amanah ini terdiri daripada dua jenis iaitu secara korporat (corporat) dan perseorangan (personal). Perseorangan pula boleh dibahagikan kepada kepada tiga yakni tunai (cash), kwsp atau epf tetapi hanya akaun 1 sahaja, dan juga auto debit (auto debt). Duit-duit pelabur yang terdiri daripada syarikat dan juga perseorangan akan diuruskan oleh Professional Manager of CIMB di bawah CIMB Asset Management. Tugas Professional Manager of CIMB adalah mengagihkan duit para pelabur ke beberapa portfolio,yang mana portfolio tersebut terdiri daripada simpanan tetap (fixed deposit), bond, bursa saham kuala lumpur (KLSE), projek-projek besar kerajaan (Malaysia government sector(MGS),dan juga pelaburan ke luar negara (offshore).Antara lain-lain perbezaan unit amanah CIMB dengan amanah saham bumiputera ialah trustee. Trustee adalah badan-badan luar yang tiada kaitan dengan CIMB Group, yang memantau Professional Manager of CIMB menjalankan tugas dengan baik. Contohnyer sekiranya pelabur memilih dana islamic, trustee tadi akan memantau professsional manager melaburkan duit pelabur tadi ke tempat-tempat yang halal. Antara trustee yang yang bekerjasama dengan unit amanah CIMB adalah Amanah Raya Berhad, Arab Malaysian, HSBC, Maybank, Am Trustee, Universal Trustee dan lain-lain lagi. Trustee-trustee ini menerima arahan daripada SC (security comission) dan diluluskan oleh BNM (Bank Negara Malaysia).

Jadi proses unit amanah di bawah naugan CIMB ini sememangnya selamat. Untuk mendapat pulangan 10 – 15 % p.a , pelabur-pelabur mestilah mengikut pelan yang ditetapkan iaitu 3 – 5 tahun medium ke jangka panjang. Walaupun begitu wang pelaburan pelabur tidak akan di kunci (lock) sebelum tempoh berkenaan. Medium ke jangka panjang tadi untuk memaksimakan wang pelaburan para pelabur, melebihi jumlah wang yang dilaburkan. Sekiranya pelabur-pelabur mengikut pelan yang ditetapkan nescaya pelabur-pelabur sekalian tidak akan mengalami kerugian.

Antara faedah atau jenis pulangan yang diberikan oleh unit trust adalah dalam bentuk bonus yakni diberikan dalam bentuk unit, dividen dalam bentuk Rm, dan juga keuntungan atas modal (capital gain). Keuntungan atas modal bermaksud pulangan melebihi modal yang dikeluarkan. Sebagai contoh pelabur membeli pada harga 0.50 dan kemudiannya menjualkan nya denagan harga 0.90. Bermakna pelabur memperolehi keuntungan sebanyak 0.40 seunit.Tetapi hanya unit amanah sahaja yang mempunyai keuntungan atas modal.

Mengapa unit trust ini diwujudkan adalah kerana untuk menampung inflasi yang semakin meningkat di negara Malaysia ini. Inflasi boleh juga dikategorikan sebagai money virus, yang mana ianya mengurangkan nilai wang. Secara sedar atau tidak setiap tahun pasti inflasi ini bertambah. Harga barangan keperluan meningkat, lama-kelamaan nilai matawang ringgit malaysia ini menurun dan sedikit nilainya. Sebagai contoh harga secawan kopi 2 tahun lalu adalah rm 0.70 tetapi sekarang anda perlu membayar secawan kopi yang sama dengan harga rm 1.40. Harga telah berganda walaupun ianya sama. Secara purata kerajaan mengumumkan inflasi di kawasan bandar adalah diantara 6% berdasarkan akbar The Star pada 27 May 07.

Salam Permulaan!

2008-01-04T19:24:00.000+08:00

Hi Semua,

Nama saya Nana atau penuhnya Norfazlina Termizi. Saya ni sebenarnya asal orang Tapah tapi sekarang penduduk tetap di Ampang.

Dalam blog saya akan berkongsi dengan semua tentang maklumat Unit Trust dan perjalanan saya sebagai Unit Trust Consultant ini.

Apa-apa pertanyaan tentang unit trust atau lain-lain boleh dilanjutkan dalam blog ini. Atau hubungi saya di 0173406898.

Selamat melabur dan selamat berhibur dalam blog saya :) .

HAPPY NEW YEAR!!!!

2008-01-01T06:53:00.001+08:00

....Bertambah usia dan berharaplah bertambah rejeki :)

EPF caps unit trust investment charges (Sunday December 16, 2007)

2007-12-31T21:09:00.000+08:00

By M. KRISHNAMOORTHY

KUALA LUMPUR: The investing public and unit trust agents will benefit from reduced service charges for unit trust investments funded by Employees Provident Fund (EPF) contributions.

The EPF recently announced that service charge (including commissions) by unit trust companies for investments by EPF members would be capped at 3% from 6% starting Jan 1.

Deputy Domestic Trade and Consumer Affairs Minister Datuk S. Veerasingam said that if the charges were reduced, people would invest more and this would mean an increase in sales for unit trust agents.

”By taking 6%, the investment will set back the EPF contributor by a large amount.

“For example, if the investment was RM100,000, RM6,000 would be taken by the unit trust companies, reducing the investments to RM94,000.

“But at 3%, the invested amount will be RM97,000,” he said.

Federation of Malaysian Unit Trust Managers (FMUTM) president, Tunku Datuk Yaacob Tunku Abdullah said the ruling would hurt profits.

He felt that the 3% rate would cut their income by half.

Overall, unit trust companies have performed well this year, with RM155bil in funds as at the end of September, an increase of 28% from last year’s RM121bil.

Fomca secretary-general Muhammad Shaani Abdullah said that it was a good move by EPF, adding that in line with this, Bank Negara should also reduce the service charges for individuals using their own funds to buy unit trusts.

http://thestar.com.my/news/story.asp?file=/2007/12/16/nation/1978186

What is Unit Trust?

2007-12-31T03:38:00.000+08:00

A unit trust fund is a collective investment scheme, which pools the savings of investors with similar investment objectives in a special "trust" fund managed by professional fund managers. The pooled monies in the unit trust fund will then be invested in a diversified portfolio of securities and other assets in accordance with the unit trust fund's investment objectives and as permitted under the Securities Commission's (SC) Guidelines on Unit Trust Funds.

The investment scheme of a unit trust fund can be illustrated as a tripartite relationship between the manager, the trustee and the unitholders. The manager is responsible for the management and operations of the unit trust fund whilst the trustee holds all the assets of the unit trust fund. The obligations and rights of each of the three parties are specified in the Deed, (a legal document entered into between the manager and the trustee, and registered with the SC). The Deed regulates the duties and responsibilities of the manager and the trustee with regard to the operations of the trust fund and protects the unitholders' interests.