Learn to Invest

Introduction to Funds Investing

Everyone has unique reasons for investing. Whether it’s to achieve personal goals, to secure one’s financial future, or to simply build wealth—investing can be a powerful tool for doing these.

However, many people find it challenging to find the right investment since there are many options to pick from, and it requires understanding, time, and the skill to choose.

Funds make investing simple, affordable, and flexible, allowing you to reach your goals without the added stress of other complicated investing options.

What are Mutual Funds and UITFs?

How do investors make money with funds?

How do fund investments benefit you?

How do you choose funds to invest in?

How do I know which risk level is right for me?

Risk Level	Profile	Description
1-2	Conservative	Funds whose prices have minimal fluctuations by investing in short-term fixed-income securities like term deposits. Generally appropriate for a short-term horizon (less than 1 year).
3-4	Moderately Conservative	Funds whose prices have moderate fluctuations by investing in fixed-income securities like bonds. Generally appropriate for a medium-term horizon (3-5 years).
5-6	Moderately Aggressive	Funds whose prices have moderate to wide fluctuations by investing in a mix of different asset classes. Generally appropriate for a medium-term to long-term horizon (more than 10 years).
7-8	Aggressive	Funds whose prices could possibly move in wide fluctuations as it is invested in equities (stocks). Generally appropriate for a long-term horizon (more than 10 years).

Risk Level: 1-2

Profile: Conservative

Description: Funds whose prices have minimal fluctuations by investing in short-term fixed-income securities like term deposits. Generally appropriate for a short-term horizon (less than 1 year).

Risk Level: 3-4

Profile: Moderately Conservative

Description: Funds whose prices have moderate fluctuations by investing in fixed-income securities like bonds. Generally appropriate for a medium-term horizon (3-5 years).

Risk Level: 5-6

Profile: Moderately Aggressive

Description: Funds whose prices have moderate to wide fluctuations by investing in a mix of different asset classes. Generally appropriate for a medium-term to long-term horizon (more than 10 years).

Risk Level: 7-8

Profile: Aggressive

Description: Funds whose prices could possibly move in wide fluctuations as it is invested in equities (stocks). Generally appropriate for a long-term horizon (more than 10 years).