Unit Trusts

All the information relating to investment funds in this website are provided by Morningstar Asia Limited (the ‘Data Provider’) to OCBC Bank (Malaysia) Berhad (the ‘Bank’).

The information provided herein is intended for general circulation and/or discussion purposes only and does not contain a complete analysis of every material fact. It does not take into account the specific investment objectives, financial situation or particular needs of any particular person. Without prejudice to the generality of the foregoing, please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase the investment product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you. This does not constitute an offer or solicitation to buy or sell or subscribe for any security or financial instrument or to enter into a transaction or to participate in any particular trading or investment strategy.

We recommend that you read and understand the contents of the fund’s Master Prospectus. Investments in Fund’s are exposed to credit/default risk, currency risk, interest rate risk, country risk, inflation/purchasing power risk, concentration risk and mismatch risk and others as disclosed in the Prospectus/ Information Memorandum.

Product Risk Rating and Suitability Determination Matrix:

Risk Rating	Risk Rating	Suitable to Risk Profiles:
Moderate	*Partial loss of full principal investment amount possible, total loss unlikely.	Balanced Growth Aggressive
High	Client may **suffer substantial or 100% loss of principal investment amount.	Growth Aggressive

Note:
*‘Partial loss’ means the loss suffered by the investor can be up to 15% of the original investment principal
**‘Substantial loss’ means the loss suffered by the investor can be more than 15% of the investment principal

Unit Trust investments are not bank deposits and are not obligations of or guaranteed or insured by OCBC Bank (Malaysia) Berhad.

Unit Trust investments are not guaranteed and are subject to investment risk unless otherwise specified. The investment risk includes general risks as described in the prospectuses for Unit Trust investment funds (“Prospectuses”) and specific risks which may be different for each Unit Trust investment. Description of specific risks and general risks are published in the Prospectuses. With respect to Unit Trust investment, past performance is not indicative of future results; the net asset value can go up or down. Investors should also note that the net asset value per unit and distributions payable, if any, may go down as well as up.

Where unit trust loan financing is available, investors are advised to read and understand the contents of the unit trust loan financing risk disclosure statement before deciding to borrow to purchase units.

Where a unit split/distribution is declared, investors are advised that following the issue of additional units/distribution, the NAV per unit will be reduced from pre-unit split NAV/cum-distribution NAV to post-unit split NAV/ex-distribution NAV; and where a unit split is declared, investors should be highlighted of the fact that the value of their investment in Malaysian ringgit will remain unchanged after the distribution of the additional units.

The Information Memorandum/Prospectuses have been registered with the Securities Commission Malaysia, which takes no responsibility for its content. A copy of the Information Memorandum/Prospectuses can be obtained at OCBC Bank’s branches. Units will only be issued upon the receipt of application form referred in, and accompanying the Information Memorandum/Prospectuses. Investors are advised to read and understand the contents of the Information Memorandum/Prospectuses, and if necessary consult their adviser(s), as well as consider the fees and charges involved before investing in the Unit Trust.

All information presented is subject to change without notice. OCBC Bank shall not be responsible or liable for any loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person acting on any information provided herein. Past performance figures are not necessarily indicative of future or likely performance. Any reference to any specific company, financial product or asset class in whatever way is used for illustrative purposes only and does not constitute a recommendation on the same.

The contents hereof may not be reproduced or disseminated in whole or in part without OCBC Bank’s written consent.