"KUALA LUMPUR (July 5): Nomura Research expects Bank Negara Malaysia (BNM) to cut the Overnight Policy Rate (OPR) by 25 basis points to a fresh low of 1.5% at its Monetary Policy Committee meeting this Thursday (July 8). The rate cut is possible due to the latest lockdown which is expected to derail the economic recovery momentum, according to its chief Asean economist Euben Paracuelles." (Source: The Edge Market; July 5, 2021) "Bursa Malaysia remained on a downtrend, amidst the sustained selling momentum in the broader market. The benchmark FTSE Bursa Malaysia KLCI (FBM KLCI) fell 6.11 points to 1,525.52 from 4th July's close of 1,531.63. (Source: The Edge Market; July 5, 2021) Coral, 45, is a sales executive with an income range of RM3,000 to RM6,000 depending on her commissions. She has RM100,000 in her Fixed Deposit Account (FD) and RM20,000 in the share market. She is a single mother with a 17-year-old son. Coral is concerned over how to manage her funds and has approached you for advice.

Required: As a unit trust agent, advise Coral on how she should form her investment plan based on the situation above.

[Total: 25 marks]