How to be a Successful Investor Introducing EastspringRegular Investment Choice (RICh)

Eastspring RICh is a regular investment plan that employs the strategy of Ringgit cost averaging in your choice of any Eastspring fund. It is a systematic investment technique which is applied to maximise the potential returns of unit investing

All you have to do is invest a regular sum of money into any Eastspring fund of your choice over a period of time. This way you won’t have to worry about timing the market or where share prices or interest rates are headed when making investments. Don’t forget to monitor the fund’s performance to ensure your investments needs are being met

How systematic investing works

Investor A Investor B

PeriodNet Investmentamount (RM)*

Unit Price(RM)

UnitsNet Investmentamount (RM)*

Unit Price(RM)

Units

1 1,000 1.00 1000.00 3,000 1.00 3000.00

2 1,000 0.75 1333.33 0.75 0

3 1,000 0.70 1428.57 2,000 0.70 2857.14

4 1,000 0.50 2000.00 0.50 0

5 1,000 1.00 1000.00 1.00 0

5,000 6761.90 5,000 5857.14

* Net investment amount after deducting sales charge.

You get fewer units when the unit price is up. You get more units when the unit price is down.

From the example above, the average cost per unit for Investor A works out to be RM0.7394 whereas the average cost per unit for Investor B who has invested on an ad-hoc basis is RM0.8536.

Regular Investment Made EasyInvesting regularly is now easy and affordable with Eastspring RICh. You can now invest conveniently at no bank charges through MyClear Direct Debit at the following participating banks:

Local Banks Foreign Banks

• Bank Islam • Maybank • Citibank • J.P. Morgan

• Bank Rakyat • Maybank Islamic • Deutsche Bank • OCBC Bank

• CIMB Bank • Public Bank • HSBC • OCBC AL-Amin

• CIMB Islamic • Public Islamic Bank • HSBC Amanah • Standard Chartered

• Hong Leong Bank • RHB Bank • Bank of America Merrill Lynch

• Standard Chartered Saadiq

• Hong Leong Islamic Bank • RHB Islamic Bank

40 30 20 5 Years of Saving

The cost ofprocrastination

Pay Yourself First - Put aside funds before paying off expenses. By doing this, not only will you have a good rainy day fund, but over time you will come to a stage of financial stability

Start Early - The sooner you start saving and investing, the greater the total rewards you may possibily earn over the years. Starting early also means you can invest small amounts at a slower pace to meet your long term financial goals

Don’t Time the Market - The market is a very complicated system affected by investors’ sentiment, the economy and many other factors. Investors who base their decisions on timing the market often endures stress as they fail to consider the other intricacies of the market

A Little Goes A Long Way (Sikit-sikit lama-lama jadi bukit) - As this old Malaysian adage goes, even a small sum put away periodically will slowly start to grow. Similarly, investing even small sums wisely may help you have a sizeable nest egg in the long term. Start somewhere, even if it is just a few Ringgit a month

Eastspring Investments Berhad (531241-U)Level 22, Menara PrudentialPersiaran TRX Barat55188 Tun Razak Exchange, Kuala Lumpur, Malaysia.

www.eastspring.com/my

Client ServicesTel: 603 - 2778 1000

Disclaimer

This document is prepared for information purposes and may not be published, circulated, reproduced or distributed in whole or part, whether directly or indirectly, to any other person without the prior written consent of Eastspring Investments Berhad. It should not be construed as an offer or solicitation for the purchase or sale of any units in a unit trust fund. Whilst we have taken all reasonable care to ensure that the information contained in this document is not untrue or misleading at the time of publication, we cannot guarantee its accuracy or completeness. Any opinion or estimate contained in this document is subject to change without notice. The graphs or charts are included for illustrative purposes only. Investors are advised to read and understand the contents of the latest prospectus registered with the Securities Commission Malaysia and product highlights sheet before investing in a unit trust fund. Past performance of a unit trust fund/Eastspring Investments Berhad is not an indication of the fund’s/Eastspring Investments Berhad’s future performance. The value and any income accruing to the investments, if any, may fall as well as rise. An investment is subject to investment risks, including the possible loss of the principal amount invested. Investors are recommended to seek advice from a professional advisor before making a commitment to invest in units of any of our funds. Eastspring Investments companies (excluding JV companies) are ultimately wholly-owned/indirect subsidiaries/associate of Prudential plc of the United Kingdom. Eastspring Investments companies (including JV companies) and Prudential plc are not affiliated in any manner with Prudential Financial, Inc., a company whose principal place of business is in the United States of America or with the Prudential Assurance Company, a subsidiary of M&G plc (a company incorporated in the United Kingdom).

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