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If you want great things to happen in your careerthink big… Focus on the future.  (Cathie Wood)

Susanna Chan
  • Managing Adviser with Manulife Investment Management (M) Bhd since 2014

  • Consultancy Manager with BOS Wealth Management Bhd (formerly known as Pacific Mutual Fund Bhd) from 1999 till 2014

  • Group Manager with Affin Hwang Asset Management Bhd since 2014 for Private Retirement Scheme (PRS)

  • Worked as Account Supervisor with PPB Plantation Bhd from 2003 to 2006

  • Worked as Account Assistant with Jin Lin Wood Industries Bhd 1997 to 2003

Recognition

Celebrate wins, big and small.

Recognition fuels confidence and keeps moving forward

Unit Trust Scheme &
Private Retirement Scheme Services

Unit trust investors are typically those with savings to invest, who neither have the time nor the inclination to hold portfolios of direct investments or shares. Rather, they prefer to invest in a secure, reputable investment vehicle which suits their purposes. Unit trusts allow investors to have easy access to a wide range of investments not normally available to them.
 

Private Retirement Schemes (PRS) is a voluntary long-term savings and investment scheme designed to help you save more for your retirement. PRS seek to enhance choices available for all Malaysians whether employed or self-employed to supplement their retirement savings under a well-structured and regulated environment. Each PRS offers a choice of retirement funds from which individuals may choose to invest in based on their own retirement needs, goals and risk appetite. The fund options under PRS are intended to enhance long-term returns for members within a regulated framework.

Unit Trust Management Company

Agency With the Best

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Diversification

Diversification: Why you should never put all your eggs in one basket

By putting different asset classes together in one portfolio, the variability of each asset class will matter less, while the overall portfolio volatility will be reduced.

Risk: Know your risk tolerance

Our needs change as we go through different life stages, and it is important to understand and evaluate our unique risk tolerance. In general, young investors usually have more time on their side and can tolerate higher risk, while middle-aged investors face greater financial pressures and can tolerate only moderate risk. Senior investors, on the other hand, lack stable sources of income and should therefore focus on capital preservation.

Right mix: Portfolio construction

When it comes to constructing a portfolio, investors are essentially making decisions on how to allocate their capital among different asset classes, in a way that maximises the potential of investment returns, while ensuring that it fits the unique risk profile.

Key areas to consider would include: the associated investment risks, what the investment can do for you, what to invest within each asset class, and the right manager for your portfolio.

Return: Setting expected income objectives

Before constructing the portfolio, investors should also consider their expected returns as this would largely influence the asset allocation.

Rebalancing: Disciplined portfolio management

This risk management mechanism of “buying low, selling high” also instills discipline within investors by getting them to stay within their risk tolerance, instead of drifting away from their intended asset allocation. The asset allocation should be examined regularly, be it monthly, quarterly or annually. Deviations from the target allocation should be rebalanced to restore the target weighting.

If you’d like more information about our features, get in touch today.

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Accumulate Liquidity Assets To Funding Your Retirement Life

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How long does it take to open a Manulife iFUNDS account? The entire account opening process takes around 10-15 minutes. Once we receive your online account opening application, the account will be activated opened within 24 business hours. While the account is being processed, you can place an initial subscription.

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Leverage our expertise in unit trust agency, call for more detail at

017-8053300

# Minimum 3 credits in SPM exam

  1. Flexile hours to suit your needs

  2. You determine your income level

  3. Satisfaction of helping your clients achieve their financial goals

  4. Network with like-minded individuals

  5. Be mentored by experienced agency leaders

  6. Enjoy th support of a highly experienced management team with global resources

# Minimum 3 credits in SPM exam

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