Risk Profile Guidance

Client Risk Profile

Conservative

Client Risk Profile Description

Your primary financial goal is capital preservation. Typically, investors in this category will seek investments that provide regular income (or liquidity). Protecting the purchasing power of your wealth against inflation is likely to be one of your primary concerns.

Model Portfolio

Conservative

Model Portfolio Risk Description

This portfolio generally allocates a large percentage of the total portfolio to lower-risk securities such as fixed income and money market securities. Capital preservation is a top priority for conservative investors. A very conservative investor is less willing to accept the risk even for higher potential returns. This portfolio aims to deliver a predictable return at a very low level of risk.

Basic Guidance:

  • For a start, you may initiate your investment by investing into single fund to building a portfolio of funds eventually.
  • If you are investing with single fund, the individual Fund Risk Rating will help you in selecting fund which is suitable to your risk profile.
  • Fund Risk Rating ranges from 1-5 where ‘1’ being most conservative while ‘5’ being highest risks.
  • For example, if your risk profile is ‘Conservative’, you may consider investing funds with risk rating up to ‘1’. Refer below table for guidance:

Risk Profile Type

May Consider Fund Risk Rating Up To

Aggressive

5

Moderately Aggressive

4

Balanced

3

Moderately Conservative

2

Conservative

1

  • If you are investing to build a portfolio of funds, consider to allocate your investment based on asset classes of equities, bonds and alternatives according to your risk profile.

Model Portfolio Type

% Allocation of the asset classes

Aggressive

75% - Equity
5% - Bond
20% - Alternatives

Moderately Aggressive

60% - Equity
5% - Bond
15% - Alternatives
5% - Money Market / Cash

Balanced

40% - Equity
35% - Bond
10% - Alternatives
15% - Money Market / Cash

Moderately Conservative

20% - Equity
40% - Bond
5% - Alternatives
35% - Money Market / Cash

Conservative

 5% - Equity
45% - Bond
50% - Money Market / Cash

Disclaimer: The portfolio and asset allocation depicted is for basic guidance and indication purpose only. You are recommended to consult your financial advisor prior any investment made. Should you decide to proceed, please ensure you have read the terms & conditions, respective fund materials such as prospectus and product highlight sheet along the subscription process, to understand the risks associated in investing unit trust.

 

Fund Risk Rating

Fund HouseFund Name (available in M2U)Fund TypeFund Risk Rating
AmInvestAM INCOME PLUSBOND / FIXED INCOME
1
Hong LeongHONG LEONG ISLAMIC INCOME MANAGEMENT FUNDMONEY MARKET
1
HwangHWANG AIIMAN INCOME PLUSMONEY MARKET
1
HwangHWANG ENHANCED DEPOSIT FUNDMONEY MARKET
1
MAMMIM Q CASH FUND MONEY MARKET
1
RHBOSKRHBOSK MONEY MARKET FUNDMONEY MARKET
1
TATA CASH PLUS FUNDMONEY MARKET
1
AmInvestAM DYNAMIC BONDBOND / FIXED INCOME
2
EastspringEASTSPRING INVESTMENTS DANA WAFIBOND / FIXED INCOME
2
HwangHWANG SELECT BOND FUNDBOND / FIXED INCOME
2
HwangHWANG SELECT INCOME FUNDBOND / FIXED INCOME
2
MAMMAYBANK GLOBAL BOND FUNDBOND / FIXED INCOME
2
MAMMAYBANK Q INCOME FUNDBOND / FIXED INCOME
2
RHBOSKRHBOSK EMERGING MARKETS BOND FUNDBOND / FIXED INCOME
2
RHBOSKRHBOSK SMART INCOME FUNDBOND / FIXED INCOME
2
TATA ALL CYCLE COMMODITIES INCOME FUNDBOND / FIXED INCOME
2
TATA INCOME FUNDBOND / FIXED INCOME
2

AmInvest AMASIA PACIFIC REITS EQUITY
3
AmInvest AMDYNAMIC ALLOCATOR MIXED ASSET
3
Eastspring EASTSPRING INVESTMENTS ASIA SELECT INCOME FUND BALANCED
3
Hong Leong HONG LEONG ASIA PACIFIC DIVIDEND FUND EQUITY
3
Hong Leong HONG LEONG GLOBAL BOND FUND BOND / FIXED INCOME
3
Hwang HWANG AUD INCOME FUND (MYR) MIXED ASSET
3
Hwang HWANG SELECT BALANCED FUND BALANCED
3
RHBOSK RHBOSK GLOBAL ALLOCATION FUND MIXED ASSET
3
RHBOSK RHBOSK KIDSAVE FUND BALANCED
3
RHBOSK RHBOSK MULTI ASSET RECOVERY STRATEGY FUND MIXED ASSET
3
RHBOSK RHBOSK SMART BALANCE FUND BALANCED
3
TA TA BRIC AND EMERGING MARKETS FUND EQUITY
3
AffinAFFIN SELECT GROWTH FUNDEQUITY
4
AmInvestAMASIA PACIFIC EX JAPAN TOTAL RETURNEQUITY
4
AmInvestAMASIA PACIFIC LEISURE DIVIDENDEQUITY
4
AmInvestAMGLOBAL AGRIBUSINESSEQUITY
4
AmInvestAMISLAMIC GREATER CHINA FUNDEQUITY
4
AmInvestAMSCHRODER EUROPEAN EQUITY ALPHAEQUITY
4
EastspringEASTSPRING INVESTMENTS DANA AL ILHAMEQUITY
4
EastspringEASTSPRING INVESTMENTS DINASTI EQUITY FUNDEQUITY
4
Hong LeongHONG LEONG STRATEGIC FUNDEQUITY
4

AffinAFFIN SELECT GROWTH FUNDEQUITY
4
HwangHWANG AIIMAN GROWTH FUNDEQUITY
4
HwangHWANG ASIA PACIFIC (EX JAPAN) REITS INFRASTRUCTURE FUNDEQUITY
4
HwangHWANG CHINA SELECT FUNDEQUITY
4
HwangHWANG GLOBAL COMMODITY FUNDALTERNATIVES
4
HwangHWANG SELECT ASIA (EX JAPAN) OPPORTUNITY FUNDEQUITY
4
HwangHWANG SELECT DIVIDEND FUNDEQUITY
4
HwangHWANG SELECT OPPORTUNITY FUNDEQUITY
4
MAMMAYBANK Q OPPORTUNITIES FUNDEQUITY
4
MAMMAYBANK Q TARGET RETURN FUNDMIXED ASSET
4
RHBOSKRHBOSK AGRICULTURE FUNDALTERNATIVES
4
RHBOSKRHBOSK ASEAN FUNDEQUITY
4
RHBOSKRHBOSK ASIA CONSUMER FUNDEQUITY
4
RHBOSKRHBOSK ASIAN REAL ESTATE FUNDEQUITY
4
RHBOSKRHBOSK BIG CAP CHINA ENTERPRISE FUNDEQUITY
4
RHBOSKRHBOSK ENERGY FUNDALTERNATIVES
4
RHBOSKRHBOSK EQUITY TRUST FUNDEQUITY
4
RHBOSKRHBOSK GLOBAL FOOD ISLAMIC EQUITY FUNDEQUITY
4
RHBOSKRHBOSK MALAYSIA DIVIDEND FUNDEQUITY
4
RHBOSKRHBOSK RESOURCES FUNDEQUITY
4
RHBOSKRHBOSK SMART TREASURE FUNDEQUITY
4
RHBOSKRHBOSK US FOCUS EQUITY FUNDEQUITY
4
TATA ASIAN DIVIDEND INCOME FUNDEQUITY
4
TATA DANA FOCUSEQUITY
4
TATA GLOBAL TECHNOLOGY FUNDEQUITY
4
TATA GROWTH FUNDEQUITY
4
TATA ISLAMIC FUNDEQUITY
4
TATA SOUTH EAST ASIA EQUITY FUNDEQUITY
4
AmInvestAM PRECIOUS METALSEQUITY
5
Please fill in the following details and we will be in touch to assist you with your application.
*Your name: 
*Phone number: 
Email: 
*Product: 
Call me at: 
Remarks: 
*Required fields


Thank you for your time.
We have received your information.
Our financial experts will contact you within 2 working days or at the time you've requested.