Phillip Mutual Berhad

WEALTH MANAGEMENT
Managing wealth is essential if you plan to grow, protect or distribute your wealth for future or unexpected use. Lack of planning will result your wealth’s value to erode over time. Wealth management, therefore is a continuous process that integrates wealth accumulation, wealth protection and wealth transfer plannings to complete the financial planning needs. The financial planning solutions generally include retirement planning, education planning, investment planning, insurance planning, estate planning, tax planning and etc.

WEALTH ACCUMULATION/CREATION

Why accumulate wealth?

To be a heritage of the next generation
To cater future plans that need quite a substantial amount to realise, e.g. retirement plan, education plan, future business expansion plan, etc.
To be financially independent in order to meet current obligations and future goals

One can accumulate/create wealth through:

Investment in share market
Investment in bond or debenture
Investment in unit trust
Investment in property
Investment in commodities
Business ventures
Saving in fixed deposit
Saving in conventional bank account

It is already proven that through investment, you can double your capital if you know how to allocate your assets efficiently. Due to the factor of inflation, taxes, investment downturns and lawsuit that can erode your savings or investment, a wise man will diversify their asset portfolios. One of it should include unit trust, that could generate generous returns over medium to long term...more ( Please Download - Phillip Wealth Planner.pdf )

RISK PROFILER

Assess your investment goals & risk appetite

1.	Tell us your investment experience ?
	I know nothing at all.
	I have some investment knowledge in unit trust only.
	I am reasonably familiar with the basic types of investments, including unit trust funds.
	I am both knowledgeable and experienced in investing and I currently hold a broad range of investments.

2.	Tell us your investment goals ?
	My money should be safe at all time.
	I want to earn a stable and regular stream of income. I can accept occasional losses as long as my money is in sound investment.
	I am looking for the balance of capital growth and regular income. I am willing to accept a fair amount of investment risk.
	I am willing to take higher risk to achieve higher returns.

3.	What percentage of your total net worth do you expect this investment to represent ?
	1 – 20%
	20 – 50%
	50 – 70%
	70 – 100%

4.	How would you describe your investment style?
	Conservative
	Moderate
	Fairly aggressive
	Aggressive

5.	What chance is there that you may need to withdraw most or all of this investment earlier than anticipated ?
	Very low (under 15%)
	Low (under 25%)
	Medium (25 – 50%)
	High (over 50%)

6.	If you purchased an investment and the value dropped by 20% after 3 months, but it still looked like a good investment, you would :
	Buy more
	Hold
	Not sure
	Sell

7.	In period of one year, how much of a drop in value of this investment could you tolerate before feeling uncomfortable ?
	0– 5%
	5– 10%
	10 – 15%
	Over 15%

8.	Over the next 3 – 5 years, are you confident that your income will meet your ongoing expenses ?
	Not sure
	Not confident
	Confident
	Very confident

9.	How long do you expect to hold this investment ?
	1 – 3 years
	4 – 7 years
	8 – 10 years
	Above 10years

10.	Tell us your age
	Under 30
	30 – 39
	40 – 54
	55 and over