Why Retirement Planning?

“Almost a quarter of our life spends on retirement period of no salaried income. Thus, building a nest egg that sufficiently support our expenses, require proper planning”


  • Sufficient capital for comfortable retirement
  • Specifically and realistically in assessing retirement needs
  • Avoid financial shortage and disaster, or becoming financial-dependence
  • Plan ahead and have time to save and invest

What is Investment Planning?

Investment planning is a process of achieving your financial goals. Before you start any investment, you need to have a road map on where you want to go, what the gap is between where you are today and where you want to be, and how you are going to close the gap with your limited resources. We all know that resources such as money and time are scarce and limited. Only with proper planning and prioritization of limited resources, we can optimize our income to meet our financial goals.

Investment planning requires the following:

  • Establish your financial goals, such as retirement, buying a house, vacations, and etc.
  • Set priorities for each goal.
  • Identify the timeline for achieving these goals.
  • Be realistic, if your limited resources does not allow you to achieve all goals, you need to delay goals with lower priorities.
  • Find an investment instrument that can meet your investment horizon, risk profile, and objectives to implement your investment plan.
  • Review and reassess your plan regularly and fine tune your investment plan according to actual investment return.

What is Unit Trust?

“A Unit Trust is a vehicle which enables individuals, corporations and institutions who have common investment objectives to pool their money and the professional fund managers than used this pooled money to acquire investments that would meet these objectives.”

Benefits of Investing in Unit Trust

  • Access to professional fund management
  • Minimization of Risk through diversification by spreading
  • investment in broad range of asset classes and portfolio management
  • Liquid investment and ease of redemption
  • Expose to most security with minimum outlay of capital
  • Able to practice dollar-cost-averaging strategy