(EVENT) Unit Trust Seminar by HWANG IM, hosted by Philip Mutual Berhad

Missed out on the previous Seminar by OSK-UOB Investment Management Sdn. Bhd. on the 25th of March 2013? Well the nice people at Philip Mutual Berhad, Johor Bahru is organising another seminar! This time the presenter would be Miss Jacqueline Chia Su Yin, Hwang IM Regional Manager for Southern Region.

Being one of of the top investment house in Malaysia, Hwang Investment Management Berhad is able to offer investors a variety of funds ranging from Malaysian Equity, Asia Pacific, PRS, Bond to Global Property funds. In the recently concluded The Edge-Lipper Fund Awards 2013, Hwang finished second only to Public Mutual, grabbing 6 Awards!

For the upcoming seminar at Philip Mutual Berhad, Miss Jacqueline will be introducing the following funds:

1. Hwang AIIMAN Growth Fund (Edge Lipper Fund Awards 2013 - Best Equity Malaysia (Islamic) over 5 years)

2. Hwang AIIMAN Select Income (New fund)

Apart from the fund introduction, I believe those present at the seminar will get the chance to get some "special" tips on the market outlook from Hwang IM. Believe me, I have obtained lots of useful information just from attending the previous seminar alone.

For those who are interested to attend, here are the details:

Date	8th April 2013 ( Monday )
Time	7.30 pm to 9.15 pm
Venue	Phillip Mutual Berhad ( Seminar Room ) No. 15, Jalan Molek 1/29, Taman Molek, 81100 Johor Bahru, Johor.
Agenda	7.30 pm   Registration 8.00 pm   Hwang AIIMAN Growth and *Hwang AIIMAN Select Income* by Hwang Investment Management Sdn Bhd 9.00 pm   Questions and Answers 9.15 pm   End *Edge Lipper Fund Awards 2013 - Best Equity Malaysia (Islamic) over 5 years* *New Fund*
Speaker	Hwang Investment Management Sdn Bhd Jacqueline Chia Su Yin Hwang IM Regional Manager, Southern
Other Details	Light Refreshments will be provided

Note:

This event is one of the many series of programs organised by Philip Mutual Berhad in an effort to increase the awareness and exposure of investors to unit trust investment. If you like to know more about the Philip Mutual Berhad, feel free to visit their site at:

www.fame.com.my

Cheers and Happy Investing

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Absolute Return, A New Approach In Unit Trust Investing

In my previous article Unit Trust Fair 2013, A Smashing Success, I mentioned about the Absolute Return strategy currently adopted by fund houses; Kenanga Investors Berhad and Hwang Investment Management Berhad.

Although I believe other fund houses are also adopting a similar strategy, for Kenanga and Hwang to promote this out in the open clearly shows their confidence and success in applying this strategy.

What is Absolute Return Strategy?

Instead of boring everyone with my writing, I would like to share a video recording about Absolute Return strategy presented by David Ng, CIO of Hwang Investment Management Berhad during his seminar session at Unit Trust Fair 2013.

Click to watch...

Although I might sound naive too many, having my investment with a fund house that practices Absolute Return strategy certainly brings some form of comfort for myself. Furthermore, knowing that my money is well managed gives me the freedom to pursue other interests instead of worrying about what or when to invest.

Cheers and Happy Investing!

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Unit Trust Review - Hwang Select Bond Fund

I got myself invested in Hwang Select Bond Fund a couple of days ago and that got me motivated to review this fund for the benefit of the readers.

Basically, Hwang Select Bond Fund is one of the four Fixed Income Fund offered by Hwang Investment Management Berhad. Before reviewing this fund in particular, I would like to define what Fixed Income Fund means:

Fixed Income Fund - A fund that invests solely in fixed income investments, such as bonds or certificates of deposit. These funds are dependable and limit the amount of risk an investor takes on, although it could mean a lesser return that would be possible in a more risky fund.

Basically, a fixed income fund has a very low risk profile. Never the less, when selecting fixed income fund, care has to be taken to read the prospectus of that fund. Some fund managers in trying to get better returns for their fund tend to invest in bonds that have low credit rating. (Read more on Bond Credit Rating HERE)

The lower the Credit Rating, the higher the return is. On the downside, the risk of the bond defaulting increases as well. The point I am trying to make is that when reading the prospectus of a Fixed Income Fund, make sure to check out the type of credit risk that a particular fixed income fund is investing in.

Ok, now back to reviewing Hwang Select Bond Fund!

Comparison of the 4 Fixed Income Fund from Hwang Investment Management Berhad

Fund Info (Click to Enlarge):

Summary of Fund Info: 

1. Being the most popular fund, the Hwang Select Bond Fund has the biggest fund size among the four funds. A clear indication that this fund is by far the most popular Fixed Income Fund offered by Hwang. 

2. The risk rating of 2 indicates that the fund does not take unnecessary risk on their investment. 

3. The fund's Annual Expense Ratio of 1.11% is considerably lower then other funds. Furthermore 1.11% is also lower then the average fund expense ratio of 1.5-1.8%. (Want to know more about Annual Expense Ratio? Click HERE)

Fund Performance (Click to Enlarge):

Summary of Fund Performance:

1. Its pretty clear that Hwang Select Bond Fund is by far the best performing fund among the four. 

2. The 6.78% per annum return by Hwang Select Bond Fund over a 5 year period is by far outperforming our 3% Fixed Deposit rate offered by local banks.

2. In fact A 6.78% annual return outshines even some of the higher risk funds.

Hwang Select Bond Fund Performance Against Benchmark (Click to Enlarge):

Summary:

1. Against the Fixed Deposit Rate benchmark, Hwang Select Bond Fund has been outperforming the benchmark for the past 5 years.
2. Need I say more?

Hwang Select Bond Fund - Investment Nature:

Now that the fund's general requirement has been explained, we next take a look at the nature of investment of this fund.

A quick check into the fund's prospectus indicate that the fund invest only in Bonds with credit rating ranging from AAA to BBB. (Investors should be on a lookout if a Fixed Income Fund are invested into Bonds that have lower then BBB rating. There's a high possibility of low rating bond getting defaulted or failing to meet the agreed returns.)

Shown below are the credit risk list invested by Hwang Select Bond Fund as of 30 June 2012:

Conclusion:

In line with the theme of this blog, investing should be made easy. Therefore what's important when selecting a Unit Trust Fund is to understand the charges, the fund's performance and lastly the nature of investment of the fund. With these three basic factors covered in the review above, I believe Hwang Select Bond Fund is indeed a great Fixed Income Fund to invest in.

Cheers and Happy 2013 everyone!

MY Investor