Matters for Consideration when Investing in Indirect Investment Products Since investing customers are investing with different goals and investment periods from each other, they should start investing after grasping their present situation and future goals in order to make wise investments. Accordingly, matters requiring consideration before investing are as follows: ¨ç Establishing Customers Own Portfolio First of all, a decision on each investment should be made in overall connection with financial assets and long-term investments of customers. If customers wish to invest all assets, then safe long-term investments would be appropriate. In addition, when wishing to invest a small portion of assets in a long term, long-term investments with a high risk would be appropriate. ¨è Investment Goals Each investing customer has different goals for investing. For example, investing customers invest for management of reserve funds, preparation for housing funds, planning for old age and possibly for education of children. When investing with a goal rather than vaguely, a risk or the investment period one has to endure will become clear. ¨é Investment Period The investment period will be determined based on a financial situation and future plan of investing customers. Depending on each investing customer, the investment period would be determined as 6 months, 1 year or possibly as 2, 5 and even 10 years. When investments can be made in a long term a high potential return rate could be expected by investing aggressively. ¨ê Investment Risk A risk refers to fluctuation of the investment value over the number of periods. Everyone wishes to acquire a high return rate by enduring small risks. However, there is a phrase one has to bear in his/her mind. ¡°A high return rate could be expected by enduring a high risk¡±. ¨ë Return Rate on Investment A return rate should be considered together with an investment risk. If one has endured a small risk, then low but a definite return rate could be achieved. One the other hand, if one has endured a high risk, a high potential return rate could be expected but uncertainty would be high. Matters for Consideration when Investing in Foreign Mutual Funds When investing in foreign funds, risks on long-term investments other than mentioned above and on currencies may exist. For example, when funds are invested in a specific country, an overall return rate on foreign funds will be derived through a risk peculiar to such country and a return rate based on such risk, and comparison between currencies of such country and Korea. Even though foreign funds have achieved the same return rate as domestic funds, a higher return rate on assets invested in foreign funds could be achieved if Won is devaluated.