Unit Trust To Consider

UOB United Asia Fund (Risk Rating:8) (C,O)
The United Asia Fund was the second-best performing Asia ex-Japan equity fund in both 2001 and 2006. Since the fund was incepted in March 1992, it has outperformed its benchmark index - the MSCI AC FE ex Japan USD index – historically, up till 28 February 2007. However, the fund only performed averagely on the aspect of resiliency. During the market correction, which lasted from 5 May to 16 June 2006, the fund lost -12.5%, similar to the average of -12.6%. Nonetheless, we think that there are still certain merits to the fund. These include its strong performance during market upturns and its low expense ratio. The expense ratio of the fund was at 1.72% (as at end-December 2006) - lower than the average expense ratio of 2% of its peers. Similar to most Asia ex-Japan equity funds, this fund invests in a myriad of Asian markets and is recently skewed towards the North Asian markets. These markets include China, South Korea and Taiwan. Based on the fund’s factsheet as at 28 February 2007, these three markets form 62% of its total portfolio. Within the regional funds category, the Asia ex-Japan funds tend to exhibit greater levels of volatility vis-à-vis global, European or US funds. We think that as valuations for the Asia ex-Japan markets are still at reasonable levels and that earnings growth still remains at healthy levels, the region still exhibits good potential in the medium-to-long run



Lipper Asia rating - No 2 in Capital Preservation and Leader in Consistent Return score for Equity Asia Pac ex Japan on 22/09/07

http://www.fundsupermart.com/main/admin/buy/factsheet/factsheet370033.pdf

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Aberdeen Pacific Equity (Risk Rating:8) (C,O)
Aberdeen Pacific Equity Fund is the most resilient fund during periods of market slumps. Out of the four periods data was available, there were three periods that it was the second most resilient fund. When the Asia ex-Japan market experienced a market downturn from 30 April 2002 to 28 December 2003, the fund lost 15%, much less than the average loss of 24.4%. Performance of this fund, however, tends to lag behind others during periods of strong market upturns. In 2006, the fund returned only 20.1%, slightly lower than the average return of 23.4% delivered by peers. However, we still like this fund because of its resilience and consistent performance. In the period from 2001 to 2006, it emerged as the second best performing Asia ex-Japan fund in 2002, 2004 and 2005. Expense ratio for the fund is 2.1% as at end December 2006, slightly higher than the average of 2% among its peers. Unlike other Asia ex-Japan equity funds, part of this fund invests into Asian single country funds managed by Aberdeen. Funds that appeared in the top ten holdings as at end February 2007 include Aberdeen Singapore Equity Fund, Aberdeen Thailand Equity and other single country funds. It is also exposed to individual Asian equities. We think that this fund is suitable for investors looking for an Asia ex-Japan equity fund that is able to weather strong market volatility in the medium to long-term.



Lipper Asia rating - No 2 in Capital Preservation and No 4 in Consistent Return score for Equity Asia Pac ex Japan on 22/09/07

http://www.fundsupermart.com/main/admin/buy/factsheet/factsheet370091.pdf

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Fund with low expense ratio - United Growth Fund, Equity Singapore



FUND INFO
Launch Date
March 2, 1990
Launch Price
-
Pricing Basis
Forward Pricing
Latest NAV Price
SGD 3.789 (September 20, 2007)
Included under CPFIS OA
Yes
Included under CPFIS SA
No
Included under SRS
Yes
CPF Risk Classification
Higher Risk
Fundsupermart Risk Rating
8-High Risk
Fund Size
SGD 173.85 million (as at June 29, 2007)
Minimum Initial Investment
SGD 500.00
Minimum Subsequent Investment
SGD 500.00
Minimum RSP InvestmentSGD 100-->
SGD 100
Minimum Redemption Amount
100Units
Minimum Holding
500Units





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(SNAPSHOT) (CHARGES & PROSPECTUS) (PERFORMANCE)
UOB UNITED GROWTH FUND (Risk Rating: 8)
INVESTMENT OBJECTIVE
The fund aims to achieve long term capital appreciation and regular income through investing in shares of companies listed on the Stock Exchange of Singapore Limited (SGX) and SES CLOB international.
Asset Class
Equity
Sector
General
Geographical Allocation
Singapore
FUND INFO
Launch Date
March 2, 1990
Launch Price
-
Pricing Basis
Forward Pricing
Latest NAV Price
SGD 3.789 (September 20, 2007)
Included under CPFIS OA
Yes
Included under CPFIS SA
No
Included under SRS
Yes
CPF Risk Classification
Higher Risk
Fundsupermart Risk Rating
8-High Risk
Fund Size
SGD 173.85 million (as at June 29, 2007)
Minimum Initial Investment
SGD 500.00
Minimum Subsequent Investment
SGD 500.00
Minimum RSP InvestmentSGD 100-->
SGD 100
Minimum Redemption Amount
100Units
Minimum Holding
500Units
Fund Manager
UOB Asset Management
YOUR HOLDINGS
You do not have this fund in your holdings.
FUND CHARGES
Fundsupermart's Discounted Initial Sales Charge
2.0 %
Annual Management Charge
1.0 %
Annual Management Charge (Mother Fund)
-
Other Significant Fees
-
Annual Expense Ratio *
1.18%* Source: IMAS quarterly report. (Includes



Lipper Asia rating - No 2 in Capital Preservation and No 4 in Consistent Return score for Equity Singapore on 22/09/07

http://www.fundsupermart.com/main/admin/buy/factsheet/factsheet370034.pdf

--------------- I 'm a millionaire $$$$$$$ ------------------------

DWS SINGAPORE EQTY FD (Risk Rating: 8)
INVESTMENT OBJECTIVE
The investment objective of the Sub-Fund is to achieve capital appreciation in the medium to long term by investing in a diversified portfolio of equity and equity-related securities (including warrants and convertible securities) (i) issued by entities listed or to be listed on the Recognised Stock Exchanges of Singapore; (ii) of entities domiciled or organised under the laws of Singapore; and/or (iii) of entities (whether domiciled or organised in Singapore or elsewhere) which, in the opinion of the Managers, have significant assets, business,production activities, trading or other business interests in Singapore.
Asset Class
Equity
Sector
General
Geographical Allocation
Singapore
FUND INFO
Launch Date
December 12, 2003
Launch Price
SGD 1
Pricing Basis
Forward Pricing
Latest NAV Price
SGD 2.6047 (September 20, 2007)
Included under CPFIS OA
Yes
Included under CPFIS SA
No
Included under SRS
Yes
CPF Risk Classification
Higher Risk
Fundsupermart Risk Rating
8-High Risk
Fund Size
SGD 313.71 million (as at June 30, 2007)
Minimum Initial Investment
SGD 1,000.00
Minimum Subsequent Investment
SGD 100.00
Minimum RSP InvestmentSGD 100-->
SGD 100
Minimum Redemption Amount
1,000Units
Minimum Holding
1,000Units



FUND CHARGES
Fundsupermart's Discounted Initial Sales Charge
2.0 %
Annual Management Charge
1.5 %
Annual Management Charge (Mother Fund)
-
Other Significant Fees
Remarks
Annual Expense Ratio *
1.75%

Lipper Asia rating - Leader in Capital Preservation and Leader in Consistent Return score for Equity Singapore on 22/09/07

http://www.fundsupermart.com/main/admin/buy/factsheet/factsheetDESGEQ.pdf

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FIRST STATE REG CHINA (Risk Rating: 8)
INVESTMENT OBJECTIVE
To achieve long term capital appreciation by investing all or substantially all of its assets in the First State Greater China Growth Fund (a Dublin-domiciled fund) which invests primarily in securities issued by companies with either assets in, or revenues derived from, the People's Republic of China, Hong Kong and Taiwan.
Asset Class
Equity
Sector
General
Geographical Allocation
Greater China
FUND INFO
Launch Date
September 27, 1993
Launch Price
-
Pricing Basis
Forward Pricing
Latest NAV Price
SGD 2.1585 (September 20, 2007)
Included under CPFIS OA
Yes
Included under CPFIS SA
No
Included under SRS
Yes
CPF Risk Classification
Higher Risk
Fundsupermart Risk Rating
8-High Risk
Fund Size
SGD 429.20 million (as at June 29, 2007)
Minimum Initial Investment
SGD 1,000.00
Minimum Subsequent Investment
SGD 100.00
Minimum RSP InvestmentSGD 100-->
SGD 100
Minimum Redemption Amount
1,000Units
Minimum Holding
SGD 1,000

FUND CHARGES
Fundsupermart's Discounted Initial Sales Charge
2.0 %
Annual Management Charge
1.5 %
Annual Management Charge (Mother Fund)
-
Other Significant Fees
-
Annual Expense Ratio *
1.85%

Lipper Asia rating - Leader in Capital Preservation and No 3 in Consistent Return score for Equity China on 22/09/07

http://www.fundsupermart.com/main/admin/buy/factsheet/factsheet370047.pdf

--------------- I 'm a millionaire $$$$$$$ ------------------------

LION CAPITAL CHINA GROWTH (Risk Rating: 8)
INVESTMENT OBJECTIVE
The fund's principal objective is to achieve medium to long term capital growth of assets of the fund by investing primarily in equity-linked securities of companies with assets in or earnings derived from the People's Republic of China.
Asset Class
Equity
Sector
General
Geographical Allocation
Greater China
FUND INFO
Launch Date
March 10, 1994
Launch Price
-
Pricing Basis
Forward Pricing
Latest NAV Price
SGD 1.915 (September 20, 2007)
Included under CPFIS OA
Yes
Included under CPFIS SA
No
Included under SRS
Yes
CPF Risk Classification
Higher Risk
Fundsupermart Risk Rating
8-High Risk
Fund Size
SGD 251.90 million (as at June 29, 2007)
Minimum Initial Investment
SGD 1,000.00
Minimum Subsequent Investment
SGD 100.00
Minimum RSP InvestmentSGD 100-->
SGD 100
Minimum Redemption Amount
100Units
Minimum Holding
1,000Units

FUND CHARGES
Fundsupermart's Discounted Initial Sales Charge
2.0 %
Annual Management Charge
1.25 %
Annual Management Charge (Mother Fund)
-
Other Significant Fees
-
Annual Expense Ratio *
1.64%

Lipper Asia rating - Leader in Capital Preservation and No 2 in Consistent Return score for Equity China on 22/09/07

http://www.fundsupermart.com/main/admin/buy/factsheet/factsheet370015.pdf

--------------- I 'm a millionaire $$$$$$$ ------------------------

Success Built to Last

Become consciously aware of what matters to you and then rally your thought and action to support your definition of meaning.That is what we call alignment.

Intelligent Investor

1. Be humble
When you do not know a thing, to allow that you do not know it--this is knowledge.--ConfuciusInvesting is a big bet on an unknowable future. The mark of wisdom is accepting just how unknowable it is. Granted, that's not easy. Our brains are built to think the future will be like the near past. And we're too ready to act on the predictions of pundits, who are no more clued in than we are about what lies ahead. Being humble in the face of uncertainty keeps you from costly mistakes. You won't jump on yesterday's bandwagon. And before you invest, you'll be more likely to ask a key question: "What if I'm wrong?"
Intelligent Investor, by Jason Zweig

2. Take calculated risks
He that is overcautious will accomplish little. --Friedrich von SchillerThe returns you get are proportionate to the risk you take. This is a fundamental law of the markets. It's why five-year CDs typically pay more than six-month ones and why you're disappointed if your emerging markets fund does no better than its stodgy blue-chip stablemate. History unequivocally supports this "no free lunch" principle. Going back to 1926, stocks (high risk) have paid more than government bonds (medium risk), which in turn have beaten low-risk Treasury bills. Among many, many other things, this law suggests:
To earn returns high enough to build true wealth, you have to put some of your money in risky assets like stocks--the only investment to handily beat inflation over time.
If a financial salesperson tries to tell you his product offers a high return with no risk, get that claim in writing. Then send it and his business card to the SEC.

3. Have an emergency fund
For age and want, save while you may; no morning sun lasts a whole day.--Benjamin FranklinThe first step in constructing any serious financial plan is to create an emergency cash fund--ideally, three to six months' living expenses--stashed in a low-cost ultrasafe bank account or money-market fund. Without this financial cushion, any unexpected expense can derail your long-term plans. These days, happily, that emergency stash won't just sit idle. Top bank accounts like the one at UFB Direct (888-580-0049) and perennially competitive money funds like Vanguard Prime (800-851-4999) now pay more than 5%.

4. Mix it up
It is the part of a wise man to keep himself today for tomorrow and not to venture all his eggs in one basket.--Miguel de CervantesNothing can break the law of risk and reward, but a diversified portfolio can bend it. When you spread your money properly among different asset types, a rise in some will offset a fall in others, muting your overall risk without a commensurate drop in return. It's the closest thing to a free lunch there is in investing. To make the alchemy work, you must load up on assets whose up and down cycles don't run in sync: stocks (both U.S. and foreign, as well as large-company and small), bonds (of varying maturities), cash, real estate and commodities.

5. It's the portfolio, stupid
Asset allocation...is the overwhelmingly dominant contributor to total return. --Gary Brinson, Brian Singer and Gilbert BeebowerMost investors concentrate on trying to choose the best stock and pick the perfect moment to buy or sell. It's a waste. What really matters to your long-term returns is asset allocation--that is, how you split up your portfolio. Since researchers dropped this bombshell 20 years ago, experts have debated the size of the asset-allocation factor. Some say it accounts for 40% of the variation in investors' returns; others (like the original researchers) say 90%. But no one refutes that it's major. For help getting the best mix for your goals and risk tolerance, see the Asset Allocator tool.

6. Average is the new best
The best way to own common stocks is through an index fund.--Warren BuffettHere's the logic behind index funds, which aim simply to match the return of a market index: The average fund in any market will always earn that market's return (because in aggregate investors are the market) minus expenses. Since index funds match the market but have much smaller expenses than other funds, they will always beat the average fund in the long run. It's hard to argue with the math, and history bears it out (see the performance stat at right). Besides, if the Greatest Investor of Our Time believes that index funds are superior for most investors, shouldn't you?

7. Practice patience
It never was my thinking that made the big money for me. It was always my sitting. Got that? My sitting tight!--Edwin LefevreThis blunt warning was issued in Lefevre's 1923 fictional memoir, reportedly based on legendary trader Jesse Livermore and treated by many financial advisers like the Bible. Some 77 years later, behavioral finance professors Terrance Odean and Brad Barber's research into transactions by some 66,000 households between 1991 and 1996 found that those who traded least earned seven percentage points a year more than the most frequent traders. Moral: Once you arrange your assets into your ideal allocation, don't tinker. Rebalance once a year to keep your mix on track, but otherwise, listen to Livermore and sit tight.

8. Don't time the market
The real key to making money in stocks is not to get scared out of them.--Peter LynchIt would be so nice, wouldn't it, to sell before every market downdraft and then get back in just as the good times roll again. But it's too hard to pull off. Nobody knows when markets will turn (see Rule No. 1). And when they do, they tend to move in quick bursts. By the time you realize an advance has begun, most of it's over. Miss that initial stretch and you'll miss out on most of the gains. The lesson: The surest way to investing success is to buy, then stick to your guns.

9. Be a cheapskate
Performance comes and goes, but costs roll on forever.--Jack BogleIf you choose a fund that eats up 1.5% a year in expenses over one that costs 1% (let alone the 0.2% that index funds may charge), your fund's return will have to beat the other's by half a point a year just for you to come out even. Past returns are no guarantee of the future, but today's low-cost funds are likely to stay low cost. Buying them is the only sure way of giving yourself a leg up.
10. Don't follow the crowd
Fashion is made to become unfashionable.--Coco ChanelOr, as the legendary financier Sir James Goldsmith has said, "If you see a bandwagon, it's too late." In the late 1990s, there was no more fashionable bandwagon for investors than Firsthand Technology Value fund. It returned 23.7% in 1998, but investors really piled into it after it rocketed an incredible 190.4% in 1999. But by then, the bust of 2000 was about to unfold, and Firsthand was soon to become as passé as plaid trousers. The result was a chilling example of the perils of following the herd: While the fund posted a respectable 16% annualized gain over the four years through 2001, the average shareholder in the fund actually lost more than 31.6% a year.
11. Buy low
If a business is worth a dollar and I can buy it for 40 cents, something good may happen to me.--Warren BuffettThe best Dow stocks of the past 10 years don't include Microsoft or Intel. But Caterpillar (Cat) makes the cut with a 212% return. In 1997, in the midst of tech madness, the market was so bored by the company's industrial-machinery business that investors paid just $11.50 for each dollar of earnings. If the stock's current value of 16.1 times earnings is right, that's nearly a 30% discount. Smart investors didn't need to foresee the coming construction boom. They only needed to call a bargain a bargain and trust the market to eventually wise up.
12. Invest abroad
The World is a book, and those who do not travel read only a page.--St. AugustineOver the 10 years through 2006, a portfolio split 80%-20% between U.S. and international large-cap stocks would have returned an average 8.4% a year, roughly the same as a portfolio invested 100% in domestic stocks. But because U.S. and foreign markets partially offset one another's ups and downs, the global portfolio was 4% less risky than the all-American (see Rule No. 4). Most Americans have less money in foreign funds than the 15% to 25% experts recommend. But you don't have to be like most Americans
13. Keep perspective
There is nothing new in the world except the history you do not know.--Harry TrumanWhen the Dow sheds 300 points in a day, it's natural to feel doomed. And when the market surges, it's easy to be convinced that stocks have entered "a new paradigm," to echo a bubble-era phrase. Don't delude yourself. As Sir John Templeton notes, "The four most expensive words in the English language are, `This time it's different.' " To keep your perspective, remember:
In every bull market since 1970, stocks have dropped by 10% or more at least once. Average time to get back to even: 107 days.
Over time, markets tend to stick close to their long-term trends, called "regression to the mean." Manias and panics never last.
14. Just do it
It takes as much energy to wish as it does to plan. --Eleanor RooseveltFinancial planning is an unnatural act. The brain is wired to make us undervalue long-term goals and exaggerate the cost of short-term sacrifice. Yet studies show that people who do even a little retirement planning had twice the savings of those who did almost none. Heed the words attributed to Mrs. Roosevelt by doing the following:
Set concrete, attainable goals. "I'll pay an extra $100 a month on my credit card" is more likely to succeed than "I'm going to get my act together."
Then commit. Tell someone your plan and agree to a penalty--you'll do your spouse's chores for a month if you haven't saved $10,000 extra by June
15. Borrow responsibly
As life closes in on someone who has borrowed far too much money on the strength of far too little income, there are no fire escapes. --John Kenneth GalbraithFace this truth: If you let them, lenders are only too willing to advance you more than is good for your family. Mortgage banks and credit-card issuers don't care if your monthly payment makes it impossible for you to sock away money in your 401(k) or fund your kid's 529 plan. You need to set your own rules, including:
No credit-card debt. Period. It's never okay to pay 15% to borrow for consumption.
Borrow only to buy assets that appreciate. A home, yes. Education, sure. A vacation, a fancy dinner or even a 50-inch flat-screen TV? No way.
16. Talk to your spouse
"In every house of marriage there's room for an interpreter."--Stanley KunitzYour most important financial partner isn't your broker. It's your spouse--you know, the one who probably owns half of all you do and whose fate is inextricably linked with yours. But research shows that spouses often don't agree on even such basic info as their income and savings. Wake-up call: To make smart decisions, you need to talk, and if you're like most couples, to do a better job at it.
Men: Don't assume she doesn't care about this stuff. She does. But you need to lay off the jargon and speak English.
Women: Don't just leave it all to him. At a minimum, know where the key papers are and how your money is invested. ˙
Both: Focus on goals, not on being right. It's not a contest.
17. Exit gracefully
Only put off until tomorrow what you are willing to die having left undone. --Pablo PicassoDespite the words he reportedly uttered, Picasso was willing to die without planning his estate. It took years for his heirs to reach a settlement with French authorities. Although you may not have masterpieces to bequeath, you have no excuse not to take elementary steps to make life easier on those you'd leave behind. Covering the basics shouldn't cost more than $1,500. To find a lawyer, ask friends and colleagues for recommendations or get referrals online at the website of the American Academy of Estate Planning Attorneys (aaepa.com). For tips on dividing emotion-laden personal belongings--more often the flash point for family tension than money or big-ticket items--check out the website Who Gets Grandma's Yellow Pie Plate? (yellowpieplate.umn.edu).
18. Pay only your share
The avoidance of taxes is the only intellectual pursuit that carries any reward.--John Maynard KeynesIt's all well and good to put time into choosing the right investments. But being conscious of taxes puts money in your pocket too (at least it keeps it from being taken from your pocket, which amounts to the same thing), and the payoff is swift, certain and there for the taking. So take full advantage of tax-deferred benefits at work, like 401(k)s and flexible spending accounts. Stick with tax-efficient investments like index funds. And claim every deduction you're entitled to. According to the Government Accountability Office, taxpayers who could itemize but chose not to ended up overpaying by $450. Don't be one of them.
19. Give wisely
The time is always right to do the right thing.--Martin Luther King Jr.Granted, Dr. King did not have money on his mind when he spoke these words. But they also ring true in your financial life, since giving back is always the right thing. Still, there are more right and less right ways to do it.
Look beyond the headlines. It's fine to give money to disasters like the tsunami, but don't forget about smaller charities that go wanting.
Don't give over the phone. Telemarketers often take a cut of 50% or more.
Focus. Identify a cause that really speaks to you. Then devote most of your energy and charitable dollars to the organizations that best support it.
20. Keep money in its place
A wise man should have money in his head, but not in his heart. --Jonathan SwiftPeople who say they value money highly report that they are less happy in life than those who care more about love and friends. Enough said.

7 Wealth building tips
1. No guts, no glory
To grow your savings faster than inflation (average annual rate: 3.1%), you've got to invest in stocks for the long haul.
Don't try so hard
72% of actively managed large-cap funds have failed to beat the stock market over the past five years.
Miss a day, pay the price
The S&P 500 gained 11.8% a year between 1982 and 2001. But only investors who stayed the course managed to earn that big a return.
The toll of high fees
The more you pay in management fees and other expenses, the less you'll earn over time.
Hot fund, cold comfort
Between 1998 and 2001, Firsthand Technology Value fund fared well. Its investors? Not so much.
If you make only the minimum payments on a $5,000 balance, you'll be paying that debt forever - and shelling out a ton in interest along the way.
More money ≠ more happiness
After you cover the basics, being much richer doesn't make you much happier.

Retirement ready

Three rules to invest

Three rules to invest by
So how do you put all the innovations of the past 35 years to the best use for you, not Wall Street? Follow these rules:
If there's a cheap way and an expensive way to solve an investing problem, stick with the cheap one. The typical hedge fund gouges clients but produces mediocre returns. As for mutual funds, a recent study found that each 1 percent increase in annual expenses reduces performance by 1.6 percent; managers may be taking on more risk to overcome the drag of higher costs.
High returns and low risks don't come in the same package. As Milton Friedman said, "There's no such thing as a free lunch." Just this summer, bank-loan and long-short funds became the latest "low risk, high return" products to flame out.
If you are presented with too many choices, you'll end up afraid to choose at all. Psychologists have shown that having to pick among dozens of options not only makes it much harder for us to make up our minds, but it also fills us with regret. No matter what we choose, we worry that another choice must have been better. So don't bother scouring among thousands of mutual funds and packing your 401(k) and other accounts with 78 of them. Instead, own a handful of low-cost, diversified index funds, add to them every month and do nothing else.
The bottom line
Despite Wall Street's unrelenting efforts to complicate it, investing can be simple. But it isn't easy. In 2007 as in 1972, building wealth is very much like losing weight. Eat less, exercise more: That's simple! But it's not easy, because the world is teeming with chocolate cake and Cheetos. Likewise, buy a diversified basket of index funds and do nothing: That's simple! But it's not easy because the world is full of TV touts, cold-calling brokers and (temporarily) hot funds.
Realize that what's good about the difference between 1972 and 2007 is also what's bad. Lower cost is great if you trade rarely and wisely, but not if it tempts you into buying and selling constantly. More choice is great if you add a few selected good things to your portfolio in moderation, but not if you end up with an unplanned jumble of investments. More convenience is great if you use it to make your life easier, but not if you take time away from family and friends to update your stock portfolio.
Lower cost, more choice and greater convenience are not means to an end, they are the end. Use them to achieve some other result, and you will fritter away the advantages the past 35 years have brought. You might as well be back in 1972, wearing plaid bell-bottoms and driving a Dodge Dart.
Jason Zweig is the author of the new book "Your Money and Your Brain." E-mail him at investor@moneymail.com.