Q : I am 47 Years old and have invested in unit trust recently. It is to late to invest at my age and sholud i continue to invest until my retirement age.

A : Investing at different lifestages…

Investors go through different life stages in which, their needs, lifestyle requirements change and so willtheir investment portfolio. It is never to late to invest but it is wise to understand and determine your needs before putting your money into anything.

Moving towards retirement….

With just eight (8) years from the Malaysian retirement age, investment considerations should be based on your total savings on how you aspire to live post-retirement. The ideal scenario is to begin this new satge of life finnacially librated with sound invsetments that will yield regular income at minimal risk levels as there will be less time to recover losses, if any. As such, you may adopt a more conservative investment stance and consider lower risk, income generating funds such as balanced and fixed income type funds otherwise capital protected or guaranteed funds.

Managing your retirement funds.

Your investments should be in cash, more conservative vehilcles that are fairly liquid to ensure they are easily disposed of when the need arises. Therefore, including unit trust funds in your investment portfolio may be a good choice as they tend to be for the mid to long term and are easily disposed it.

Article source/about:

The sun 05 Aug 2008/ Hwang DBS Investment Management Berhad is one Malaysia’s leading management companies for more info log on to www.hdbsim.com.my.

About Me :

Im the Unit Trust Consultants for CIMB Wealth Advisors Berhad who can sell the Hwang DBS Unit Trust Funds as 3rd party funds. Interested just contact me at 019-3649613 or email murtaza@cimb-wealthadvisors.info