Please accept the terms and conditions before continuing:
Gateway Terms of Use Agreement
THIS AREA OF THE WEBSITE IS INTENDED FOR SOPHISTICATED INVESTORS IN MALAYSIA. IT IS NOT INTENDED FOR USE BY MEMBERS OF THE GENERAL PUBLIC. PLEASE READ THIS ENTIRE DOCUMENT CAREFULLY BEFORE YOU PROCEED. BY CLICKING "ACCEPT", YOU CONFIRM THAT YOU ARE A SOPHISTICATED INVESTOR.
IMPORTANT INFORMATION
This Website is directed only at Sophisticated Investors within Malaysia and the information provided is not for distribution outside Malaysia. None of the information, whether in part or full, should be copied, reproduced or redistributed in any form nor should it be regarded as an offer or a solicitation of an offer for investment in countries outside Malaysia. No units in these funds may be offered or sold to residents of the United States of America or in any other country, state or jurisdiction where it would be unlawful to offer, solicit an offer for or sell such shares.
You are a “Sophisticated Investor” per the Guidelines on Wholesale Funds if you are:
- an individual whose total net personal assets, or total net joint assets with his or her spouse, exceed three million ringgit or its equivalent in foreign currencies, excluding the value of the individual’s primary residence;
- an individual who has a gross annual income exceeding three hundred thousand ringgit or its equivalent in foreign currencies per annum in the preceding twelve months;
- an individual who, jointly with his or her spouse, has a gross annual income exceeding four hundred thousand ringgit or its equivalent in foreign currencies in the preceding twelve months;
- a corporation with total net assets exceeding ten million ringgit or its equivalent in foreign currencies based on the last audited accounts;
- a partnership with total net assets exceeding ten million ringgit or its equivalent in foreign currencies;
- a private retirement scheme;
- a unit trust scheme or prescribed investment scheme;
- a closed-end fund;
- a company that is registered as a trust company under the Trust Companies Act 1949 [Act 100] which has assets under management exceeding ten million ringgit or its equivalent in foreign currencies;
- a corporation that is a public company under the Companies Act 1965 [Act 125] which is approved by the Commission to be a trustee under the Act and has assets under management exceeding ten million ringgit or its equivalent in foreign currencies;
- a statutory body established by an Act of Parliament or an enactment of any State;
- a pension fund approved by the Director General of Inland Revenue under section 150 of the Income Tax Act 1967 [Act 53];
- a holder of a Capital Markets Services Licence;
- a licensed institution;
- an Islamic bank;
- an insurance company licensed under the Insurance Act 1996;
- a takaful operator registered under the Takaful Act 1984;
- a bank licensee or insurance licensee as defined under the Labuan Financial Services and Securities Act 2010; and;
- an Islamic bank licensee or takaful licensee as defined under the Labuan Islamic Financial Services and Securities Act 2010.;
- an executive director or a chief executive officer of a holder of a Capital Markets Services License.
Considerable care has been taken to ensure that the information contained on this website is accurate at the date of publication. However no representation or warranty, express or implied, is made to its accuracy or completeness. Franklin Templeton Asset Management (Malaysia) Sdn. Bhd. and Franklin Templeton Investments therefore accept no liability (except for information appearing in information memoranda) for any loss arising, whether direct or indirect, caused by the use of any part of the information provided. Any research and analysis contained in this website has been procured by Franklin Templeton Asset Management (Malaysia) Sdn. Bhd. for its own purposes and may be acted upon by it in that connection. It is provided to you only incidentally, and any opinions expressed are subject to change without notice.
Please accept the terms and conditions before continuing:
Gateway Terms of Use Agreement
THIS AREA OF THE WEBSITE IS INTENDED FOR INVESTORS IN MALAYSIA. PLEASE READ THIS ENTIRE DOCUMENT CAREFULLY BEFORE YOU PROCEED. BY CLICKING "ACCEPT", YOU CONFIRM THAT YOU HAVE READ THE IMPORTANT INFORMATION AND WISH TO PROCEED.
IMPORTANT INFORMATION
This Website is directed only at Investors within Malaysia and the information provided is not for distribution outside Malaysia. None of the information, whether in part or full, should be copied, reproduced or redistributed in any form nor should it be regarded as an offer or a solicitation of an offer for investment in countries outside Malaysia. No units in these funds may be offered or sold to residents of the United States of America or in any other country, state or jurisdiction where it would be unlawful to offer, solicit an offer for or sell such units.
Considerable care has been taken to ensure that the information contained on this website is accurate at the date of publication. However no representation or warranty, express or implied, is made to its accuracy or completeness. Franklin Templeton GSC Asset Management Sdn. Bhd. and Franklin Templeton Investments therefore accept no liability (except for information appearing in prospectuses) for any loss arising, whether direct or indirect, caused by the use of any part of the information provided. Any research and analysis contained in this website has been procured by Franklin Templeton GSC Asset Management Sdn. Bhd. for its own purposes and may be acted upon by it in that connection. It is provided to you only incidentally, and any opinions expressed are subject to change without notice.
Malaysia
Introduction To Unit Trusts
There are many options available to meet the needs of investing for retirement, saving for a new home or for your children’s future. Increasingly investors have turned to unit trusts (also known as mutual funds), but what is a unit trust and how can investing in them help to meet your financial goals?
FOUR ADVANTAGES OF INVESTING IN UNIT TRUSTS
Investors turn to unit trust because of four distinct advantages they may offer over investing in individual securities.
1. Professional Management — Unit trust offers investors access to full-time, professional money managers who have the expertise, experience and resources to actively buy, sell, and monitor investments.
2. Diversification — Buying shares in a unit trust is an easy way to diversify your investments across many securities, which is just another way of saying that you won't have all your eggs in one basket. If one investment decreases in value, another investment in the portfolio may increase.
3. Affordability — For many people, it would be more costly to purchase directly all of the individual securities held by a single unit trust. By contrast, the minimum initial investments for most unit trusts are more affordable.
4. Liquidity — Most unit trusts allow you to sell your fund shares on any day the stock markets are open, so you have easy access to your money. Of course the value of your shares, when redeemed, may be worth more or less than their original cost.
TYPES OF UNIT TRUSTS
Unit trust funds come in many varieties, designed to meet different investor goals. Most of Franklin Templeton’s unit trusts fall into one of three main asset classes:
Equity Funds
An equity fund is a fund that invests primarily in stocks. The objective of an equity fund is generally to seek long-term capital appreciation. These type of funds may focus on certain sectors of the market or may have a specific investment style, such as investing in value or growth stocks.
Fixed Income Funds
A fixed income fund is a fund that invests primarily in bonds or other debt securities. Fixed income funds generally pay a return on a fixed schedule, though the amount of the payments can vary. Investors may consider this type of fund for their potential for income generation and capital preservation.
Multi-Asset Funds
There’s more to diversification than just combining bonds and stocks. A multi-asset fund offers exposure to a broad number of asset classes, often offering a level of diversification typically associated with institutional investing. Multi-asset funds may invest in a number of traditional equity and fixed income strategies, index-tracking funds, financial derivatives as well as alternative investments. This diversity allows portfolio managers to potentially balance risk with reward and deliver steady, long-term returns for investors, particularly in volatile markets.
HOW TO INVEST IN UNIT TRUSTS
Speak to a financial adviser. A financial adviser (who can be a representative from a financial advisory firm, a bank or an insurance company) is a good person to speak to regarding your investment plans.
A financial adviser can help:
- establish your financial profile
- assess your current financial situation
- set personalised and realistic investment goals
- define the best way to reach your objectives
He/She will also be able to monitor the performance of your portfolio and propose adjustments when and if needed.
Alternatively if you currently do not have a financial advisor, you can approach any of our authorized distributors who do provide financial planning services.
Important Legal Information
Investments are subject to risk. The value of investments and the income from them can go down as well as up and you may not get back the full amount that you invested. Past performance is not an indicator nor a guarantee of future performance. Investment returns are denominated in the fund’s currency. Investors investing in funds denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal. Potential investors should read the details of the Offering Documents (particularly the section on “Risk Considerations”) before deciding to subscribe for or purchase a fund. Investors may wish to seek advice from a financial adviser before making a commitment to invest in shares of a fund. In the event an investor chooses not to seek advice from a financial adviser, he/she should consider whether the fund is suitable for him/her.