What is?

What is Investment Objective?

According to investment dictionary, “investment objective” is financial goal or goals of an investor. It will guides an investor to decide where to invest his or her money.

Normally, unit trusts or mutual fund describes its investment objective clearly in its prospectus. They also will identify the strategy the fund manager follows to meet that objective. Investors often look for funds whose stated objectives are compatible with their own goals.

Four most commonly used investment objectives are Capital Preservation, Income, Growth & Speculation.

The table below define each investment objective.

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What are Structured Investments?

structured investments

When you invest, you aim is to maximize your returns over a period of time. Structure Investments are a form of investment that can give you potentially higher return than fixed deposits. However, it comes with potentially higher risks.

Structure Investments are investment product offered by financial institutions. These investments are linked to the various underlying assets such as interest rate, foreign exchange, equities, fixed income instruments or market indices.

Main Features of Structured Investments

Fixed term investments which may be held to maturity depending on the features of the products. If encashed or redeemed before maturity, your investments may lose part of the return or/and principal.

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What is 90/10 Rule of Money?


Most of us know of the 80/20 rule. It also known as Pareto Principle or Principle of Least Effort. What it means is that, 80 percent of our success comes from 20 percent of our efforts. This rule was originated by the Italian economist Vilfredo Pareto in 1897.

However, Robert Kiyosaki believes that the 80/20 rule is only good for average. In his book “Rich Dad’s Guide to Investing: What the Rich Invest in, That the Poor and the Middle Class Do Not!“, he explain that in the world of money, the most suitable rule is 90/10.

Rule 90/10 means that 90 percent of the people make 10 percent of the money and 10 percent of the people make 90 percent of the money.

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What is Rule of 72?

rule 72

Rule 72 is a simple methamatical formula but an effective way to calculate the estimate time for you to double your money.

The rule was discovered by Albert Einstein based on compounded interest principles. Referring to compound interest, Albert Einstein is quoted as saying: “It is the greatest mathematical discovery of all time.”

The formula for Rule 72 is

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What is ASB-Overdraft (ASB-OD)?


We are talking about two different term here, ASB & Overdraft. Everyone knows ASB is an investment fund that managed by ASNB, PNB’s wholly owned subsidiary. ASB is giving very attractive return & one of the highest paying dividend fund.

While, an overdraft (OD) is a type of bank loan facility where we are allowed to withdraw money from current account exceeding the available balance. The benefit of OD is, the interest is charged on overdrawn amount from your OD account on daily rest. This will be beneficial if you only need a short term loan. Comparatively interest rate for personal loan is charged on total loan amount

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