Unit Trust
Grow your wealth with greater confidence
Unit Trust allows people with the same objective to pool their money together and invest.
While we offer a wide range of MYR funds you can choose from, you may also have a need for various foreign currencies. We have just the right thing for you via our foreign currency Unit Trust funds. Whether it's for your children's education, travelling, studying abroad or as an investment, there is always a need for the right foreign currency at different life stages. Through the Unit Trust foreign currency classes, you can now invest directly instead of converting your existing MYR to invest and avoid the potential forex losses.
Overseas Investment
Grow your overseas investment portfolio without hassle.
Travel
Globetrot and travel around the world to see new places.
Overseas retirement
Live your golden years the best possible way.
Children's education
Give your children a good head start in life.
Potential gain
If you invest in two (2) different foreign currency Unit Trust funds, any loss by one currency in the foreign currency Unit Trust fund could potentially be offset by gains, if any, in the other foreign currency Unit Trust fund.
Diversification
Investment in foreign currency Unit Trust funds offers a good diversification within the same asset class. While the investment in Fund A denominated in MYR may be loss making, your same investment in Fund A in foreign currency, may potentially deliver better returns.
Low correlation
Investing in multiple foreign currencies Unit Trust funds may potentially provide positive risk-adjusted returns due to low correlation with each other and other forms of investment.
Up to 7 major unit trust currencies avaliable
Invest in AUD, CNY, EUR, GBP, MYR, SGD or USD Unit Trust funds.
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Market risk
An investment may lose value because of a general decline in financial markets which could be due to economic, political instability and/or other factors which may lead to a decline in the fund's net asset value. -
Fund management risk
This risk refers to the day-to-day management of the Unit Trust fund by the fund manager which will impact the performance of the Unit Trust fund. For example, investment decisions undertaken by the fund manager as a result of an incorrect view of the market or any non-compliance with internal policies, investment mandate, the deed, relevant law or guidelines due to factors such as human error, fraud, dishonesty or weaknesses in operational process and systems, may adversely affect the performance of the Unit Trust Fund.
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Liquidity risk
Liquidity risk refers to two scenarios. The first is where an investment cannot be sold due to unavailability of a buyer for that investment. The second scenario exists where the investment, by its nature, is thinly traded. This will have the effect of causing the investment to be sold below its fair value which would adversely affect the NAV of the Unit Trust fund. -
Country risk
Investments of the Unit Trust fund in any country may be affected by changes in the economic and political climate, restriction on currency repatriation or other developments in the law or regulations of the countries in which the Unit Trust fund invests. For example, the deteriorating economic condition of such countries may adversely affect the value of the investments undertaken by the Unit Trust fund in those affected countries. This in turn may cause the NAV of the Unit Trust fund or prices to fall. -
Fiscal policy risk
Government's spending and borrowing will affect its currency depending on what the country's policies are in comparison. This in turn may affect the currency in which the Unit Trust fund is denominated. -
Monetary policy risk
Central banks may stimulate economy or reduce inflation by lowering or raising interest ates and this affects the currency in which the Unit Trust fund is denominated. -
Foreign exchange risk (applicable for foreign currency Unit Trust)
Investment value may change due to changes in currency exchange rates in which the foreign currency Unit Trust fund is denominated.
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Disclaimer
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 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 or the respective foreign currency will remain unchanged after the distribution of the additional units.
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. The contents hereof may not be reproduced or disseminated in whole or in part without OCBC Bank's written consent.
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Product Risk Rating and Suitability Determination Matrix
Risk Rating Moderate High Principal Amount Partial loss* of full principal investment amount possible, total loss unlikely. Client may suffer substantial** or 100% loss of principal investment amount. Suitable for Risk Profiles Balanced
Growth
AggressiveGrowth
AggressiveNotes
* 'Partial loss' means the loss suffered by the investor can be up to 30% of the original investment principal.
** 'Substantial loss' means the loss suffered by the investor can be more than 30% of the investment principal.
The information in this website has not been reviewed by the Securities Commission Malaysia.