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Khmer
English - English
Khmer - ខ្មែរ
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English - English
Khmer - ខ្មែរ
Chinese - 中文
Investing in Legitimate Investment Products
According to published figures by the World Bank, Cambodia's GDP per capita has risen from US$783 (2010) to US$1,625 (2021). Statista.com projected that its GDP will continue to grow to approximately US$2,656 by 2028. The growth in the middle income and increase in wealth of the average Cambodian will naturally bring about the need for investing. However, recently we have also seen a spike in cases of reported fraudulent and failed investment schemes, as well as some which are outright scams.
When investing, investors are traditionally enticed by high returns and a sense of familiarity. Very often they ignore what is perhaps the most important factor when investing, which are the risk factors.
Risk comes in many forms, to name a few:
Based on past data, it is evident that there is a direct relationship between risk and return. The higher the return from a particular investment, the risk becomes higher. We can illustrate this in a simple graph.
Generally, to mitigate the risk, investments should be made on or above the line. Furthermore, investors should select legitimate investment products.
❖ Legitimate investment products (Regulated)
When investing, investors should consider whether the investment scheme is regulated, unregulated, or an outright scam. Regulated investment products are generally subject to onerous supervision by the country’s regulators. This makes regulated investment products safer choices compared to the others.
A regulated investment product will generally have these features:
Therefore, the risk of a regulated investment scheme being a fraud is very low.
❖ The update of the Cambodia Collective Investment Scheme Market
Acknowledging the potential of the collective investment scheme market for economic growth, the Securities and Exchange Regulator of Cambodia (SERC), a sole regulator to regulate, supervise, and develop the securities market in Cambodia has developed the infrastructure to launch this market through the adoption of the Prakas to regulate this market. As a result, on May 29, 2018, SERC adopted the Prakas on “Licensing and Supervision of Collective Investment Scheme Business” to allow companies to apply for a license or approval from the SERC to conduct the Collective Investment Scheme Business. As of Q3 2023, SERC has provided license/approval to 16 fund management companies, 8 trustees, 5 fund distribution companies, and 3 fund administrators. In addition, on July 20, 2023, SERC also adopted the Prakas on “The Issuance of Fund Unit of Collective Investment Scheme”. This Prakas determines the condition and requirement to issue fund units of the collective investment scheme and the post-issuance operation to ensure the orderliness, accountability, and transparency in the market and, most importantly to protect all market stakeholders including investors.
❖ Unregulated Investment Products
Unregulated investment schemes are generally operating companies offering high returns and are only governed by the basic corporate regulations.
Scams and unregulated investment schemes are often difficult to differentiate.
These investment schemes generally have the following features:
❖ Scams or Fraudulent Investment Schemes
These are recent cases of unregulated investment schemes that have gone bad in Cambodia:
It is important to note that there is a difference between an investment scheme going bad and it being an investment scam. All investments have to take risks to generate returns. There are many examples of investments going bad due to poor market conditions and other reasons.
Scams happen when there is no real intent to channel money collected from investors into the stated investment. Instead, profits are fictitiously generated by using money from new investors to pay previous investors. This is known as a Ponzi scheme. Scam operators are in all instances not approved by regulators.
❖ Conclusion
In seeking legitimate investments, investors should consider the following:
Lastly, trust your instincts. If an investment sounds too good to be true, you should investigate further and ask more questions. In selecting a legitimate investment that fits your risk profile, the investment should diversify your risk and at the same time help you grow your wealth over time.
An article from the Securities & Exchange Regulator of Cambodia (SERC)
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