What is Mutual Funds / Unit Trust

A few days ago , a few people came up to me and asked me what is Mutual Funds /  Unit Trust ( MF/ UT), hence my topic of the day. 



So what is MF/ UT to you ? 

To some of us, it is a form of investment / another option to place you funds in to earn a better return. 
Then comes the next question. What is investment to you ? When we say we are investing into anything we are actually putting in some cash / time into something in order for us to earn a certain return. The return could be in terms of better interest / skills set / knowledge / etc... for our own future benefits. 

Yes, you got it right, MF / UT does gives a better return in general as to compare to fixed deposits and other instruments. The key here is we need to know our objectives on investment and the duration we need to achieve it. Why do we need a duration or a time frame ? Because that's only make it more meaningful. Investing is not an overnight thing its a medium to long term thing. 

* take a look at my older post for more insights*

Sp MF/ UT is basically a pool of funds collected from different individuals / corporate which is known by investors. Yes that's include me and you . If you are investing or plan to invest in MF/ UT then you are an investor or potential investor. 

Thereafter the pool of funds will be entrusted and managed by professionals which are known as fund managers. These fund managers will then select the company stocks that is suitable based on the risk tolerance of the funds and objectives of the funds as well as the types of the funds.
( equities , money markets, bonds, balance , mixed assets, index )

At the end of the day what we all are looking for is the return as i mentioned above. So how does the returns earns. Well in MF/ UT our returns are based on :-

1. Capital Appreciation 
Increase in the fund price 

2. Income Distribution 
Dividends.

3. Combination of (1) & (2)



Benefits of MF / UT :-

1. Well Diversified - Different Asset Classes

2. Managed by Fund Managers

3. Lower Risk - Stocks Selections and Types of Funds

4. Liquidation - Redemption is able to be credited to your account in 5-7 working days

5. Flexible - Invest at your own pace ( monthly, quarterly , semi annually, yearly, additional investment, lump sum)

6.Legacy - Nomination to transfer the wealth accumulated to your love ones.

7. Affortable - as low as RM 1000 and monthly investment of RM100

8. Hedge against inflation and low interest risk.

9. Peace of Mind - Rest assure that it is well managed by the professionals

10. Better Funds Accumulations for the future.



So here is some simple basic information you need to know about MF / UT . I hope it helps you in more understanding. If you would like to know more on the How to get started do not hesitate to contact me or email me at charissim.ristyle@mail.com

The CPD of Wealth

Good day everyone , first and foremost i would like to apologize for not constantly updating. I am back now with all geared up and ready to go. 

As you can see today's topic will be "The CPD of Wealth" . What is the C P D? 


Without the CPD the financial planning will not be complete. CPD is an essential in financial planning in determining an your personal short and long term of financial goals. 

So let's us start with the first letter :-



C : Creation 

We first need to create before we build. By creating it only we can move the next level. How do we create ? We need to first take the first step in knowing your own goals for the short to long term. It is only upon knowing those you're able to plan and work on it in achieving it. 

In all goals settings we need to know that there is no short cut. Therefore, we need to know the 5 main elements in goals and objective settings. These are :-

S -Specific

M- Measurable 

A- Achievable 

R- Realistic 

T - Timely





P : Protection 

Often so we learned to build and accumulate our wealth we forgot that we need to protect it so that our wealth so that our love ones are the one who is able to share the joy and happiness of what we have build. Therefore the next step is to protect yourself and your wealth . The thing you need to do is get an insurance that protect your funds, Yes you heard me right , yes there is, Get yourself a PA ( Personal Accident ) too. 




D : Distribution 

As you can see once we build something we need to protect it and once we protect it we need to learn how to distribute it when its necessary. Therefore we need to be prepared and get all ready with our Will / Wasiat Writing as well as Trust Nomination services so that the wealth that is preserved can be distributed accordingly to your next in kin.

Therefore  ,  wait no more ! 

Dof eel free to drop me an email or comment if you wanna know more on the options availbale in the market. No harm knowing no harm trying ! 

Nothing is too late but if you are doing nothing then is too late ! 

CASH , COURAGE , CONVERT

So as the title said above the 3Cs I'm gonna discuss today is : CASH COURAGE CONVERT.

What is CASH ? COURAGE ? & CONVERT? 

CASH = INCOME
                    1. ACTIVE : WORK FOR MONEY 
                    2. PASSIVE : MONEY WORK FOR YOU 

The questions is :-

1. Which are you ?
2. What do you want ? 
3. Where are you now ? 
4. How are you gonna achieve it ? 
5. When do you wanna achieve it ? 

I believe you have your answers on the above questions so let's us go to the second C 

COURAGE  
= willingness to take the risk as higher risk higher the return 
                              
 = knowing the different instruments in order to achieve the goals and objectives  you want to achieve. 
                     
                                        INSTRUMENTS = ASSET CLASSES 

 EQUITIES              : shares , mutual funds 
                              
FIXED INCOME    : money market , bonds, mutual funds 

DERIVATIVES       : forex ( FX) , binary options , exchange traded funds ( ETF) ,warrants, mutual funds 

STRUCTURED PRODUCTS     : combination of different products  ( Eg : options, FX + Equity , ETF + options , etc )

 PROPERTY             : buy and sell , rental, REITs funds 
                                                                                                      

CONVERT = making it into actions

ACTIONS requires COMMITMENT

COMMITMENTS requires CONSISTENCY 

COMSISTENCY requires DECISION 

DECISON requires NOW

NOW ARE YOU READY ? ARE YOU WILLING ? 

YES , DROP ME A COMMENT / DROP ME YOUR EMAIL / NUMBER. 



HAVE A GREAT DAY AHEAD AND HAVE A WONDERFUL WEEK AHEAD.