At MAAKL MUTUAL, we use a different approach to serve you better. It's called The MAAKL Way which represents our sincere commitment to help you achieve your long-term financial goals. Our professional unit trust advisers ('advisers') are well trained to use our MAAKL 6-Step Process to design the most appropriate unit trust portfolio for you which matches your unique risk profile and investment needs. Our advisers have been trained to help you constantly monitor and manage your investments using our proprietary knowledge-based tools such as MAAKL Planners, MAAKL Home Office, Perancang Kewangan MAAKL and MAAKL Dynamic Allocation Models (DAM). The use of MAAKL 6-Step Process along with these knowledge-based tools allows our advisers to offer you a higher level of service and professionalism.
So, ask yourself, do you want a Professional Unit Trust Adviser or a salesperson to help you carry out the very important task of planning your financial future?
About MAAKL MUTUAL Bhd
Incorporated on 16 October 2000, MAAKL MUTUAL Bhd was formerly known as MAA Mutual Berhad. The shareholders of the company are MAA Corporation Sdn Bhd which holds 70% equity of the company, Khyra Liberty Sdn Bhd which holds 20% equity and the remaining 10% are held by individuals.
The company, led by an experienced management team, is well-positioned to build the most professional unit trust force in the country.
MAAKL MUTUAL currently manages a well diversified range of Shariah and conventional unit trust funds, including the 1st foreign unit trust fund in Malaysia – MAAKL Pacific Fund.
Investors are advised to read and understand the contents of the Prospectus dated 16 January 2008 obtainable at our offices, before investing. The prospectus has been registered with the Securities Commission who takes no responsibility for its contents.
Investors should also consider the fees and charges involved. The price of units and distribution, if any, may go down as well as up. Past performance of funds is no indication of future performance. Units will only be issued on receipt of the application form accompanying the prospectus.
In the event of any dispute or ambiguity arising out of the Bahasa Malaysia translation in this leaflet, the English version shall prevail.
Kelainan MAAKL
Di MAAKL MUTUAL, kami menggunakan pendekatan yang berlainan untuk memberikan anda perkhidmatan yang lebih baik. Pendekatan ini di panggil "THE MAAKL Way" yang merupakan komitmen ikhlas kami untuk menolong anda mencapai matlamat kewangan anda dalam jangka masa panjang.
Perunding unit amanah profesional kami telah dilatih untuk menggunakan "MAAKL 6-Step Process" bagi menyediakan portfolio unit amanah yang paling sesuai dari segi menepati profil risiko dan keperluan pelaburan anda yang tersendiri.
Perunding unit amanah kami juga telah dilatih untuk membantu anda memantau secara berterusan dan menguruskan pelaburan anda dengan alat bantu berasaskan pengetahuan seperti MAAKL Planners, Perancang Kewangan MAAKL, MAAKL Home Office dan MAAKL Dynamic Allocation Models (DAM).
Penggunaan MAAKL 6-step Process berserta dengan alat-alat bantu berteraskan pengetahuan ini membolehkan perunding kami menawarkan tahap perkhidmatan dan profesionalisme yang lebih tinggi kepada anda.
Oleh itu, tanyalah diri sendiri, adakah anda mahu seorang Perunding Unit Amanah atau wakil jualan untuk menolong anda menjalankan tugas penting merancang masa depan kewangan anda
Latar Belakang MAAKL MUTUAL Bhd
Ditubuhkan pada 16 Oktober 2000, MAAKL MUTUAL Bhd sebelum ini dikenali dengan nama MAA Mutual Berhad. Para pemegang saham syarikat terdiri daripada MAA Corporation Sdn Bhd yang memegang 70% ekuiti syarikat, Khyra Liberty Sdn Bhd yang memegang 20% ekuiti dan selebihnya dipegang oleh orang perseorangan.
Diterajui oleh lima individu penting dengan gabungan pengalaman luas dalam industri unit amanah, pengurusan dana dan insurans, MAAKL MUTUAL berkedudukan teguh untuk membina pasukan unit amanah yang paling profesional di negara ini.
MAAKL MUTUAL kini menguruskan rangkaian dana unit amanah Shariah dan konvensional terpelbagai, termasuk dana unit amanah asing pertama di Malaysia, iaitu MAAKL Pacific Fund.
Understanding what is Unit Trust?
Unit trust funds are investment schemes structured to allow investors with similar investment objectives to participation in the money, debt, equity and derivative markets. Professional investment managers, who channel their efforts towards achieving investment objectives ranging from regular income to capital growth, will manage funds collected from the schemes. Unit trusts are excellent vehicles for individual and corporate financial planning due to their affordability, liquidity and relatively low risk nature.
Unit Trusts are a form of collective investment that allows investors with similar investment objectives to pool their funds to be invested in a portfolio of securities or other assets.
A professional fund manager then invests the pooled funds in a portfolio which may include the asset classes listed below:
- Cash
- Bonds & Deposits
- Shares
- Property
- Commodities
Unit holders do not purchase the securities in the portfolio directly. Ownership of the fund is divided into units of entitlement. As the fund increases or decreases in value, the value of each unit increases or decreases accordingly. The number of units held depends on the unit purchase price at the time of investment and the amount of money invested.
The return on investment of unit holders is usually in the form of income distribution and capital appreciation, derived from the pool of assets supporting the unit trust fund. Each unit earns an equal return, determined by the level of distribution and/or capital appreciation in any one period.
Unit trust investors are typically those with savings to invest, who neither have the time nor the inclination to hold portfolios of direct investments or shares. Rather, they prefer to invest in a secure, reputable investment vehicle which suits their purposes. Unit trusts allow investors to have easy access to a wide range of investment exposures not normally available to them.
As investors seek to maximize returns on their financial resources, unit trusts provide an ideal way for them to gain exposure to investments that, in the long run, should produce returns superior to cash savings and fixed deposit investments.
The cost of these potentially higher returns is of course the risk that accompanies the investment. In the short run, the certainty of investment returns of most unit trust products is less than those offered by fixed deposits. However, in the medium to long term (i.e. 3-20 years), unit trust investments generally provide superior returns at acceptable levels of risk.
---------------------Why Choose Unit Trust?
- Children's Education
Unit trust can help you to cover the spiraling cost of education for your children or grandchildren. The sooner you start your plan, the lesser will be the burden. Time can be your greatest ally.
- Home Ownership
Unit trust can help you to pay off your mortgage earlier, purchase a bigger house or upgrade your existing house. As with any plan, start early. Many bricks build a castle.
- Retirement
Growing old and retiring is inevitable. It is never too early to plan for retirement even though you have the comfort of the Employees' Provident Fund (EPF). You have the right and choice to retire in dignity. Retire comfortably. Plan a nest for your retirement home, orchard and the likes. Unit trust can help do the job.
- Cash Reserves
The only certainty in life is the uncertainty or unexpected emergencies. Unit trust can help you to set aside some cash for rainy days.
Regardless of your own needs and wants, unit trust makes sense, for potential return and security.
---------------------Why Invest in Unit Trust?
- Professional Investment Management
The fund managers who take care of your unit trust funds have access to information and statistics from leading economists and analysts. Consequently, they are in a better position than individual investors to identify opportunities for your investment to grow.
- Diversification
Unit trusts allow you to broaden your portfolio. With your nest-egg spread across a basket of securities, your overall investment risks are reduced.
- Liquidity
An investor can sell his units, wholly or partially, at the following trading day's unit buying price. Units have a high liquidity, that is, they can be readily converted into cash.
- Ease of Transactions
Unit trusts provide investors with a simpler, more convenient and less time-consuming method of investing in securities. The paperwork that comes with managing your own portfolio of shares and bonds are handled by the fund manager.
- Security
The interests of unit holders are protected by the appointment of an independent trustee to hold the fund's assets on behalf of the unit holders. The trustee will also ensure that the fund manager will always manage the fund in accordance to the Deed of the fund and the Guidelines issued by the Securities Commission.
- Affordable and Flexible
The minimum initial investment amount is low as compared to investment in shares and/ or bonds. Furthermore, additional investment can be made in even smaller amounts than the minimum investment amount.
--------------------- Potential Risks of Investing in Unit Trust
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