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Singapore | Aberdeen Asset Management Asia Limited (Reg No. 199105448E)

Monthly Investment Plan For Investors

Dollar Cost Averaging

Setting Up Your Investment Plan

Cash Is King?

List Of Distributors

With stock markets plummeting over the last year and a half and the fear of losing our job hanging over us, how is it possible to think about investing right now? Equity markets have more than halved. What is to stop them halving again?

There is no doubt that we are experiencing one of the worst bear markets in history and it may well continue for a little longer. But there is one thing that you can be absolutely certain of: this bear market, like all others before it, will end.

Broadly speaking, there are two types of investment approach: systematic and non-systematic. A systematic approach is one that follows a methodical process, ie, one that does not rely on one’s emotions or gut feelings. The best example of a systematic approach is simply to invest a fixed amount of money, typically every month, regardless of market.

Before you make any investment, it is always worth asking what your objectives are and whether they are suitable. A financial adviser can help.

Recently you may have heard “cash is king”, an expression that refers to the fact that holding cash is the best thing to do when risky assets are falling in value, as they have been during the recent bear market.

NOTICE: This advertisement is independently produced by Aberdeen Asset Management Asia Limited and the views and opinions expressed herein are its own.

Important: The information is provided on a general basis for information purposes only, and is not to be relied on as advice, as it does not take into account the investment objectives, financial situation or particular needs of any specific investor.

The CPF interest rate for the Ordinary Account (OA) is based on the 12-month fixed deposit and month-end savings rates of the major local banks. Under the CPF Act, the Board pays a minimum interest of 2.5% per annum when this interest formula yields a lower rate.

In addition, from 1 January 2008, the CPF Board will pay an extra interest rate of 1% per annum on the first $60,000 of a CPF member’s combined balances, including up to $20,000 in the OA. From 1 April 2008, the first $20,000 in the OA will not be allowed to be invested under the CPF Investment Scheme. From 1 May 2009, the first $30,000 in the Special Account will not be allowed to be invested under the CPF Investment Scheme.

Investments in any of the funds mentioned herein are not deposits in, obligations of, or guaranteed or insured by Aberdeen Asset Management Asia Limited (the “Manager”), and are subject to investment risks, including the possible loss of the principal amount invested. Unit values and income therefrom may fall or rise. Past performance is not indicative of future performance. Investors should read the prospectus, available from the Manager or its web-site at www.aberdeen-asset.com, or seek relevant professional advice before making any investment decision. Any research or analysis used to derive, or in relation to, the information herein has been procured by the Manager for its own use, and may have been acted on for its own purpose. The information herein, including any opinions or forecasts have been obtained from or is based on sources believed by The Manager to be reliable, but The Manager does not warrant the accuracy, adequacy or completeness of the same, and expressly disclaims liability for any errors or omissions. As such, any person acting upon or in reliance of these materials does so entirely at his or her own risk. Any projections or other forward-looking statements regarding future events or performance of countries, markets or companies are not necessarily indicative of, and may differ from, actual events or results. No warranty whatsoever is given and no liability whatsoever is accepted by The Manager or its affiliates, for any loss, arising directly or indirectly, as a result of any action or omission made in reliance of any information, opinion or projection made in this presentation.

The information herein shall not be disclosed, used or disseminated, in whole or part, and shall not be reproduced, copied or made available to others. The Manager reserves the right to make changes and corrections to the information, including any opinions or forecasts expressed herein at any time, without notice.

© Aberdeen Asset Management Asia Limited, Registration Number 199105448E