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If $ y=k(x+3)(x-2)$, where $k$ is a constant and $k<0$, then which of the following must be a true statement?

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The maximum value for $y$ occurs when $x=-\cfrac { 1 }{ 2 }$.

The minimum value for $y$ occurs when $x=-\cfrac { 1 }{ 2 }$.

The maximum value for $y$ occurs when $x=\cfrac { 1 }{ 2 }$.

The minimum value for $y$ occurs when $x=\cfrac { 1 }{ 2 }$.