Unit Trusts Consultant

Lian See
Unit Trust Consultant

(Group Agency Manager)

Since 2007, I have had the privilege to successfully receive the Million Dollar Ringgit Producer Award and qualified for countless incentive travels to luxurious destinations around the globe. It’s a yearly achievement whereby I am motivated to continuously give my best to serve my clients.

 

To gain better product knowledge and experience, I diligently attended courses, participated in road shows, built a strong database and also joined a business networking group which contributed to my success tremendously.

 

As a professional consultant, I am able to assist my clients to maximise their profits, provide strategic financial planning advice and carefully select funds according to their risk profile.

 

A complete understanding of client’s financial needs is essential to be able to provide a range of management services to sustain long term investments. My client’s profile ranges from individuals, parents, to CEO of companies and corporate group as a whole.

 

Over the years, I have experienced a few market crises but was able to provide assurance to my clients during these turbulent times with wise fund selections and timing to maintain a competitive edge.

 

Equipped with the right knowledge and confidence, one can achieve success by building a close relationship with my clients. Taking time to listen, going the extra mile to lend a helping hand and be committed to overcome challenges with an open heart. These are my ingredients to a fulfilled journey as a trusted mutual fund consultant.

 

With an energetic team of 25 and growing consultants, I am blessed to impart to them the knowledge experiences and see them succeed in future.

 

Never underestimate the importance of investing early for yourself and your family. It serves as a form of cost effective solutions for financial and education planning for children. Periodical analysis and reports will be provided for client’s record.

 

Do find out more by taking the first step in connecting with me for a more in depth sharing of mutual funds investments.

Why Me?
More than 18 years in investment experience.

Hands on guidance throughout your investment journey

Your profit is my concern!

Benefits of Unit Trust?

Affordability

As Unit trusts are a collective investment scheme, the investors can start with an investment amount as low as RM100.

Diversification

In addition, since the investors is investing into a diversified portfolio of investments, rather than an investment portfolio of one or two investments or shares, his risk is better spread out in line with the saying “don’t put all your eggs in one basket”

Liquidity

An excellent return or paper profit that cannot be “cashed-in” or converted back to cash (i.e. sold) does not necessarily mean a good investment as poor liquidity constitutes an additional risk factor for the investor. Hence, most investors prefer that their investment to be liquid. That is, that the investment can easily be converted back to cash. Unit trusts provide this feature as units can easily be bought or sold. Some funds can even return your investment to cash within the same day.

Professional Fund Management

Unit trusts fund managers are approved professionals in a highly regulated industry. Their license, background and expertise ensure that decision making is structured and according to sound investment principles. In the process, unit trust funds enjoy the depth of knowledge and experience that fund manager can bring. In the long term, it is this expertise that should generate above average investment returns for unit trust investors.

Investment Exposure

For an individual investor, it may be difficult to have exposure to particular asset classes. For example, if an investor with RM20,000 wants to be invested into property, global equity and bond market, it would be impossible to simultaneously hold a direct investment portfolio in all of these markets. However, with unit trust investments, it is possible to spread the RM20,000 around to all of these asset classes concurrently so that the investor can gain the investment exposure he seeks.

Reduced Costs & Access to Asset Classes

If one investor were to buy a large number of direct investments, the amount they would be able to invest in each holding is likely to be small. Dealing costs are normally based on the number and size of each transaction, therefore the overall dealing costs would take a large chunk out of the capital (affecting future profits). Pooling money with that of other investors gives the advantage of buying in bulk, making dealing costs an insignificant part of the investment. In addition, since the fund managers invest in larger amounts, they are able to get access to wholesale yields and products, which are impossible for the individual investor to obtain. For example, unlike unit trust funds, most individual investors cannot have direct access to the Malaysian Government Security market because, amongst other reasons, the amount of each transaction could run into millions of Ringgit.

Regulated Industry

With the introduction of unit trusts in Malaysia came regulation from various regulators, especially the Securities Commission. The entire range of variables relating to the unit trust industry is governed by various legislations. The sole purpose of such regulations is to protect the interest of the investing public. Regulations provide investors with a level of comfort that they are investing in a safe investment mechanism.

Public Mutual Bhd

liansee.chan@gmail.com 

1 & 3, Jalan PJU 8/5i, Bandar Damansara Perdana, 47820 Petaling Jaya, Selangor

Website: https://www.publicmutual.com.my

 

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