How to Select Funds

Investment risk implies the possibility of receiving lower than expected return, or not receiving any return at all, or even not getting your principal amount back. On the other hand, without taking any risks, you can't hope for significant returns from your investments.

► Diversification
     Your basic goal as an investor should be receiving the best possible return considering your investment time horizon, risk tolerance and
     investment objective.  Simple strategies to assist in achieving this goal are to diversify your holdings, allocate them appropriately
     across the different asset classes and rebalance your portfolio.

► Switching
     Rebalance investment fund portfolio with flexibility

► Change contribution’s allocation
     Adjust future contributions to manage portfolio’s risk