158) Why You Should Diversify Your 3PF into Unit Trust?
You should consider to diversify your retirement funds in 3PF and invests into Unit Trusts.
As you know, investing into equity funds is indirectly investing into company shares. You are buying into the companies businesses.
More details form this link:
http://highlevelrules.blogspot.my/2017/11/easy-way-to-invest-into-businesses.html
Here is a list of reasons to consider:
1) Asset Types
You decide on what asset type funds you want to invest.
a) Equity
b) Balanced, Mixed Asset, Tactical Allocation
c) Bond
d) Money Market
2) Switching
You can decide to switch between different funds depending on the market situations.
a) Switch into equity funds for market growth potential.
b) Switch into bond funds to preserve capital during potential market downturn.
c) Can consider a simple strategy to switch out the equity funds profits into a bond fund and preserve the profits.
3) Diversification
Let your money get invested into more areas as a diversification strategy.
a) Local and foreign country funds
b) Single country, multiple country or regional funds
c) Large or small market capitalization
d) Diversify into different asset type funds
4) Small Percentage
a) You can only withdraw from Account 1.
b) You can only withdraw amount above the basic savings amount. Also only up to 30% every 3 months. Only can use a portion of your total 3PF money.
More details from this link:
http://highlevelrules.blogspot.my/2017/11/percentage-in-unit-trust-using-3pf.html
5) Higher Risks for Higher Returns
a) You can decide to take higher risks to get potentially higher returns.
b) Lower risks normally gives lower returns.
6) Insurance
a) You may get FREE life insurance coverage by investing into funds that provide insurance.
b) You may also buy Group Insurance as a Unit Trust investor.
c) You may get FREE Personal Accident insurance by becoming a special "Gold member".
Note: The Insurance is only available depending on UTMCs and funds.
7) Investment Reports
a) You can get weekly, monthly, quarterly market reports on the funds you invested.
b) View Annual and Interim reports on you funds.
c) Get details on the investment, Yearly Returns, Income & Expenses, Asset & Liabilities, etc.
d) Reports on companies, sectors, countries and investment amount as invested by the funds.
8) Online Monitoring & Transactions
a) You are able to monitor your investments via online system.
b) Can do fund switching via online.
9) Become "Gold Member"
a) Your 3PF investments will also accumulate "gold membership points" and help faster to become a "Gold Member."
b) Become a "Gold Member" and be rewarded with more benefits.
Note: The "Gold Member" is only available depending on UTMCs and funds.
10) Financial Consultation
a) You get to talk and discuss about your retirement planning with a trained Consultant.
b) You can also discuss on other financial requirements like Children education, insurance, will, wasiat, hibah, trust nominations, etc.
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