What is Regular Investment Instruction (RII)?

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 Using RII

Convenient
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.

Consistent
RII ensures that you invest consistently into an equity/balanced/mixed asset fund to achieve potentially higher returns over time.

Disciplined
RII is a disciplined investing method that helps you to avoid the pitfalls of emotional investing and achieve your financial goals.

Affordable
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.

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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.