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SI Product

SI Product


I. General introduction of the product

SI is the abbreviated name of the Cumulative Investment (Saving Investment) which is developed by Sao Vang Capital Management Joint Stock Company Ltd (SV Capital Company), aims to help small retail client to save and cumulate money to perform the investment in the safety portfolio with a stable profit level.

The capital source of SI Fund will be priority to perform the investment, financing for the enterprises that operate in the education field. SI Fund majority invest in Cambodia and Vietnam depend on the capital is developed by company from client.

Value of SI Fund investment dividend is expected to achieve an average from 15 to 25% / year.

Value of SI Fund investment risk manages which is not exceeded 20%/Total of maintaining investment capital at each time.

Operation time of SI Fund is expected 10 years from 12/12/2015 to 12/12/2025.

II. Operation process of SI Product

The client contributes the capital monthly (or quarterly, annually ...) by SI Investment Cooperation Contract with Sao Vang Capital Management Joint Stock Company Ltd. The entire of contributions capital source of client will be managed by SI Fund, SI Fund will be independently managed the finance and separated from regular operations of SV Capital.

All portfolios of SI are evaluated and rated according the strict investment process as SV Capital Company prescribed.

Report periodically the investment results every 06 months for client on 01/07/Financial Year and 31/12/Financial Year. The report will be updated at

III. Dividend payment regulation for client 

SV Capital Company is responsible for investment, risk and dividend in the process of management and operation of SI Fund.

SV Capital Company will pay fixed dividend for client when the client invests in SI Fund. This payment rate will be published on an annual based on the SI Fund investment results and is widely reported to client at the Company website or shown in detail in the Contract and Appendix Contract.


Dividend Type

Payment Rate

Payment time


Acceptable condition




31/12/Financial Year

Maintain enough month that count base on the maintaining of the number of actual days.



31/12/Financial Year

Maintain enough year that count base on the maintaining of the number of actual days.


IV. Contract Regulation and Deposit & Withdrawal Regulation

1. Contract Regulation

Client is organization, individual person in the country and foreign country. All the clients are able to invest in SI who have full civil right or operation business right in accordance with the Laws of Cambodia.

Investment value of SI and dividend payment value is paid for client that are based on the amount of money and the actual investment deposit date of client with SV Capital Company.

Minimum investment value of a Contract is equivalent to 50 USD, not limit the maximum value.

Acceptable currency: Cambodian Riel, United States Dollar, Vietnamese Dong.

The contract was issued by the Company in accordance with the standard that is identically applied for all the company system, Customer Service Department is responsible for all contents which are issued improperly form and prescribed by Company.

Each client just only signs 01 SI investment Cooperation Contract, client has the right to authorize for Second Party on behalf the client to perform the works relating the Contract but the delegation of authority must be approved by writing of SV Capital Company.

In the case, the Contracts or Contract Appendix ends the contract term, but the client does not notify to end the contract, Company will automatically extend the contract for client according to the latest regulations by the Company notify to apply.

2. Deposit Regulation

Client deposits in SI investment Cooperation Contract with the following methods:

-     Deposit in Bank Account which is notified in writing by SV Capital Company.

-     Deposit cash at Headquarter, Branch belonging to SV Capital Company or companies which is announced and notified by SV Capital.

-     Or the deposit methods via international payment which is announced to apply by Company.

The minimum amount of money for 01 (once) deposit is $50 USD (or equivalent), unlimited maximum amount once deposit.

3. Withdrawal Regulation

Client withdraws money at SI investment Cooperation Contract according to the following methods:

-     Receive cash in the Company, Branch or the company which are assigned by SV Capital Company.

-     Receive money by bank transfer. SV Capital Company transfers money into the Client Account which is registered in the contract or the written notice by the Company's approval.

-     Or other methods which are agreed by both Parties in writing.

The withdrawal is only accepted by Company in the following cases:

-     Client withdraws the money when the term of Contract or Contract Appendix ends.

-    Client withdraws money before the end of Contract term or Appendix Contract must notify to the Company before 05 working days. Based on the date the Company receives client’s notice, Company will notify the specific date for client to pay the amount of money that client wants to withdraw, but not more than 05 working days from the date that the client receive the notice.

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