Achieve your financial goals with Regular Investment Instruction (RII)
What is Regular Investment
A regular investment instruction (RII) is a request for monthly
switching of zero-load, low-load and 1%-load units of money
market/bond funds to equity/balanced/mixed asset funds.
Through RII, unitholders adopt the ringgit-cost averaging
principle where they invest regularly into selected unit trust
funds over a period of time regardless of which direction the
market is moving. The regular investment amount will buy you
more units of the equity/balanced/mixed asset fund when the
market is down, and fewer units when the market is up. Over
the long-term, this process helps you accumulate units at an
average cost which is lower than the average net asset value
per unit over the same period. This strategy thus helps you
stay true to your investment path to achieve your financial
goals in the long-term.
Benefits of Investing in Unit Trust
To start a RII, just visit your nearest Public Mutual Customer
Service Center or branch and complete the Regular
Investment Instruction Form to authorise Public Mutual to
switch a fixed number of zero-load, low-load or 1%-load units
from your bond/money market accounts on a monthly basis
into a selected equity/balanced/mixed asset fund account.
RII ensures that you invest consistently into an equity/balanced/mixed asset fund to achieve potentially higher returns over time.
RII is a disciplined investing method that helps you to avoid the pitfalls of emotional investing and achieve your financial goals.
Affordable RII brochure
Only a minimum of 200 units per month are required to carry out a RII.
RII works well if you are investing over the long-term for financial objectives such as funding for your children’s education or for your retirement.
For more information, please refer to our
This article is prepared solely for educational and awareness purposes and should not be construed as an offer or a solicitation of an offer to purchase or subscribe to products offered by Public Mutual. No representation or warranty is made by Public Mutual, nor is there acceptance of any responsibility or liability as to the accuracy, completeness or correctness of the information contained herein.