PUBLIC MUTUAL BERHAD

CORPORATE INFORMATION

Public Mutual is the largest private unit trust company in Malaysia. Public Mutual has been managing funds for more than 30 years and is committed to consistently deliver above average medium- to long-term returns for all its funds. Having a good fund performance track record over the years makes the Company the most awarded unit trust fund manager in the country with more than 200 industry awards clinched since 1999. As a wholly-owned subsidiary of Public Bank, Public Mutual adheres to the group’s high standards of financial integrity and corporate governance in all aspects of its business.

For detail information on the PRS, please refer to the PRS Provider’s Disclosure Document & Product Highlights Sheet here

SCHEME AND FUND INFORMATION

Default & Self Selection

Public Mutual Private Retirement Scheme – Conventional Series Scheme Trustee: AmanahRaya Trustees Berhad

Please read the scheme’s disclosure document before deciding to make a contribution. If you do not have a copy, please contact the PRS Provider to ask for one or click here to go to the PRS Provider’s page

Investment Objective The fund seeks income consistent with capital preservation.

Note: This is neither a capital guaranteed nor a capital protected fund.

Fund Category Core (Conservative)
Investment Strategy PRS-CVF seeks to achieve its objective by investing in a diversified portfolio of fixed income securities, money market instruments and deposits as well as equities, all in the domestic market. The fund will invest 60% to 80% of its Net Asset Value(NAV) in fixed income securities and at least 20% of its NAV in money market instruments. The fund may invest up to 20% of its NAV in equities.
Asset Allocation Fixed income securities 60% to 80% of NAV
Money market instruments and deposits 20% to 40% of NAV (with at least 20% of NAV invested in money market instruments)
Equities Up to 20% of NAV
Performance Benchmark 12-month Fixed Deposit rates as quoted by Public Bank Berhad.

Note: The risk profile of the fund is not the same as the risk profile of the benchmark.

Member Profile
  • Generally conservative and risk averse
  • Preference for income*
  • seek an additional retirement scheme other than EPF;
  • Age 50 and above if contribute under the default option

Note: * Distribution (if any) will be automatically reinvested into the fund.

Public Mutual Private Retirement Scheme – Shariah-based Series Scheme Trustee: AmanahRaya Trustees Berhad

Please read the scheme’s disclosure document before deciding to make a contribution. If you do not have a copy, please contact the PRS Provider to ask for one or click here to go to the PRS Provider’s page.

Investment Objective The fund seeks income consistent with capital preservation.

Note: This is neither a capital guaranteed nor a capital protected fund.

Fund Category Core (Conservative)
Investment Strategy PRS-ICVF seeks to achieve its objective by investing in a diversified portfolio of sukuk, Islamic money market instruments and investment accounts as well as Shariah-compliant equities, all in the domestic market. The fund will invest 60% to 80% of its Net Asset Value(NAV) in sukuk and at least 20% of its NAV in Islamic money market instruments. The fund may invest up to 20% of its NAV in Shariah-compliant equities.
Asset Allocation Sukuk 60% to 80% of NAV
Islamic money market instruments, Islamic investment accounts and Islamic deposits 20% to 40% of NAV (with at least 20% of NAV invested in Islamic money market instruments)
Shariah-compliant equities Up to 20% of NAV
Performance Benchmark 12-Month General Investment Account rates as quoted by Bank Negara Malaysia.

Note: The risk profile of the fund is not the same as the risk profile of the benchmark.

Member Profile
  • Generally conservative and risk averse
  • Preference for income*
  • Age 50 and above if contribute under the default option

Note: * Distribution (if any) will be automatically reinvested into the fund.

Public Mutual Private Retirement Scheme – Conventional Series Scheme Trustee: AmanahRaya Trustees Berhad

Please read the scheme’s disclosure document before deciding to make a contribution. If you do not have a copy, please contact the PRS Provider to ask for one or click here to go to the PRS Provider’s page

Investment Objective The fund seeks income and capital growth over the long-term through a balanced asset allocation approach.

Note: Long-term refers to a period of more than 5 years.

Fund Category Core (Moderate)
Investment Strategy PRS-MDF seeks to achieve its objective by investing in a diversified portfolio of equities and fixed income securities in the domestic and selected foreign markets. The fund will invest up to 60% of its NAV inequities. The balance of the fund’s NAV will be invested in fixed income securities and liquid assets which include money market instruments and deposits. To achieve increased diversification, the fund may invest up to 60% of its NAV in foreign markets.
Asset Allocation Equities Up to 60% of NAV
Fixed income securities and liquid assets At least 40% of NAV
Performance Benchmark 30% FTSE Bursa Malaysia KLCI, 30% customised index by MSCI based on the Top 30 constituents of MSCI AC Far-East Ex-Japan Index and 40% 3-Month KLIBOR

Note: The risk profile of the fund is different from the risk profile of the benchmark.

Member Profile
  • Moderate risk tolerance
  • Preference for capital growth and to a lesser extent income*
  • With at least 10 years to retirement
  • Age 40 to below 50 if contribute under the default option

Note: * Distribution (if any) will be automatically reinvested into the fund.

Public Mutual Private Retirement Scheme – Shariah-based Series Scheme Trustee: AmanahRaya Trustees Berhad

Please read the scheme’s disclosure document before deciding to make a contribution. If you do not have a copy, please contact the PRS Provider to ask for one or click here to go to the PRS Provider’s page.

Investment Objective The fund seeks income and capital growth over the long-term through a balanced asset allocation approach.

Note: Long-term refers to a period of more than 5 years.

Fund Category Core (Moderate)
Investment Strategy PRS-IMDF seeks to achieve its objective by investing in a diversified portfolio of Shariah-compliant equities and sukuk in the domestic and selected foreign markets. The fund will invest up to 60% of its NAV in Shariah-compliant equities. The balance of the fund’s NAV will be invested in sukuk and Islamic liquid assets which include Islamic money market instruments, Islamic investment accounts and Islamic deposits.To achieve increased diversification, the fund may invest up to 60% of its NAV in foreign markets.
Asset Allocation Shariah-compliant equities Up to 60% of NAV
Sukuk and Shariah-based liquid assets At least 40% of NAV
Performance Benchmark 30% FTSE Bursa Malaysia Hijrah Shariah Index, 30% customised index by S&P Dow Jones Indices, LLC based on Top 100 constituents by market capitalisation of the S&P Shariah BMI Asia Ex-Japan Index and 40% 3-Month IIMM rate.

Note: The risk profile of the fund is not the same as the risk profile of the benchmark.

Member Profile
  • Moderate risk tolerance
  • Preference for capital growth and to a lesser extent income*
  • With at least 10 years to retirement
  • Age 40 to below 50 if contribute under the default option

Note: * Distribution (if any) will be automatically reinvested into the fund.

Public Mutual Private Retirement Scheme – Conventional Series Scheme Trustee: AmanahRaya Trustees Berhad

Please read the scheme’s disclosure document before deciding to make a contribution. If you do not have a copy, please contact the PRS Provider to ask for one or click here to go to the PRS Provider’s page

Investment Objective The fund seeks long-term capital growth and to a lesser extent income.

Note: Long-term refers to a period of more than 5 years.

Fund Category Core (Growth)
Investment Strategy PRS-GRF seeks to achieve its objective by investing in a diversified portfolio of equities and fixed income securities in the domestic and selected foreign markets. The fund will invest up to 70% of its Net Asset Value (NAV) in equities. The balance of the fund’s NAV will be invested in fixed income securities and liquid assets which include money market instruments and deposits. To achieve increased diversification, the fund may invest up to 70% of its NAV in foreign markets.
Asset Allocation Equities Up to 70% of NAV
Fixed income securities and liquid assets At least 30% of NAV
Performance Benchmark 35% FTSE Bursa Malaysia KLCI, 35% customised index by MSCI based on the Top 30 constituents of MSCI AC Far-East Ex-Japan Index and 30% 3-Month Kuala Lumpur Interbank Offered Rate (KLIBOR).

Note: The risk profile of the fund is not the same as the risk profile of the benchmark.

Member Profile
  • Risk tolerant
  • Preference for long-term capital growth
  • With at least 15 years to retirement
  • Age below 40 if contribute under the default option

Public Mutual Private Retirement Scheme – Shariah-based Series Scheme Trustee: AmanahRaya Trustees Berhad

Please read the scheme’s disclosure document before deciding to make a contribution. If you do not have a copy, please contact the PRS Provider to ask for one or click here to go to the PRS Provider’s page.

Investment Objective The fund seeks long-term capital growth and to a lesser extent income.

Note: Long-term refers to a period of more than 5 years.

Fund Category Core (Growth)
Investment Strategy PRS-IGRF seeks to achieve its objective by investing in a diversified portfolio of Shariah-compliant equities and sukuk in the domestic and selected foreign markets. The fund will invest up to 70% of its Net Asset Value (NAV) in Shariah-compliant equities. The balance of the fund’s NAV will be invested in sukuk and Islamic liquid assets which include Islamic money market instruments, Islamic investment accounts and Islamic deposits. To achieve increased diversification, the fund may invest up to 70% of its NAV in foreign markets.
Asset Allocation Shariah-compliant equities Up to 70% of NAV
Sukuk and Shariah-based liquid assets At least 30% of NAV
Performance Benchmark 35% FTSE Bursa Malaysia Hijrah Shariah Index, 35% customised index by S&P Dow Jones Indices, LLC based on Top 100 constituents by market capitalisation of the S&P Shariah BMI Asia Ex-Japan Index and 30% 3-Month Islamic Interbank Money Market (IIMM) rate.

Note: The risk profile of the fund is not the same as the risk profile of the benchmark.

Member Profile
  • Risk tolerant
  • Preference for long-term capital growth
  • With at least 15 years to retirement
  • Age below 40 if contribute under the default option

Other Self Selection

Please read the scheme’s disclosure document before deciding to make a contribution. If you do not have a copy, please contact the PRS Provider to ask for one or click here to go to the PRS Provider’s page

Investment Objective The fund seeks to achieve long-term capital growth.

Note: Long-term refers to a period of more than 5 years.

Fund Category Equity
Investment Strategy PRS-EQF seeks to achieve its objective by investing 75% to 98% of its Net Asset Value (NAV) in equities and collective investment schemes which comprises a diversified portfolio of blue chip stocks, index stocks and growth stocks. The balance of the fund’s NAV will be invested in fixed income securities and liquid assets which include money market instruments and deposits. To achieve increased diversification, the fund may invest up to 30% of its NAV in foreign markets.
Asset Allocation Asset Class Range in % of Fund’s NAV
Equities 75% to 98% of NAV
Fixed income securities and liquid assets Up to 25% of NAV
Performance Benchmark 90% FTSE Bursa Malaysia KLCI and 10% 3-Month Kuala Lumpur Interbank Offered Rate.

Note: The risk profile of the fund is not the same as the risk profile of the benchmark.

Member Profile
  • Risk tolerant
  • Preference for long-term capital growth
Please read the scheme’s disclosure document before deciding to make a contribution. If you do not have a copy, please contact the PRS Provider to ask for one or click here to go to the PRS Provider’s page

Investment Objective The fund seeks to achieve long-term capital growth.

Note: Long-term refers to a period of more than 5 years.

Fund Category Equity
Investment Strategy PRS-SEQF seeks to achieve its objective by investing 75% to 98% of its Net Asset Value (NAV) in equities and collective investment schemes which comprises a diversified portfolio of blue chip stocks, index stocks and growth stocks in the domestic and selected foreign markets. The balance of the fund’s NAV will be invested in fixed income securities and liquid assets which include money market instruments and deposits. The fund may invest up to 98% of its NAV in foreign markets.
Asset Allocation Asset Class Range in % of Fund’s NAV
Equities 75% to 98% of NAV
Fixed income securities and liquid assets Up to 25% of NAV
Performance Benchmark 50% FTSE Bursa Malaysia KLCI, 40% customized index by MSCI based on the Top 30 constituents of MSCI AC Far-East Ex-Japan Index and 10% 3-Month Kuala Lumpur Interbank Offered Rate.

Note: The risk profile of the fund is not the same as the risk profile of the benchmark.

Member Profile
  • Risk tolerant
  • Preference for long-term capital growth
Please read the scheme’s disclosure document before deciding to make a contribution. If you do not have a copy, please contact the PRS Provider to ask for one or click here to go to the PRS Provider’s page

Investment Objective The fund seeks to achieve long-term capital growth.

Note: Long-term refers to a period of more than 5 years.

Fund Category Equity
Investment Strategy PRS-ISEQF seeks to achieve its objective by investing 75% to 98% of its Net Asset Value (NAV) in Shariah-compliant equities and collective investment schemes which comprises a diversified portfolio of Shariah-compliant blue chip stocks, index stocks and growth stocks in the domestic and selected foreign markets. The balance of the fund’s NAV will be invested in sukuk and Islamic liquid assets which include Islamic money market instruments, Islamic investment accounts and Islamic deposits. The fund may invest up to 98% of its NAV in foreign markets.
Asset Allocation Asset Class Range in % of Fund’s NAV
Shariah-compliant equities 75% to 98% of NAV
Sukuk and Islamic liquid assets Up to 25% of NAV
Performance Benchmark 50% FTSE Bursa Malaysia Hijrah Shariah Index, 40% customised index by S&P Dow Jones Indices, LLC based on Top 100 constituents by full market capitalisation of the S&P Shariah BMI Asia Ex-Japan Index and 10% 3-Month Islamic Interbank Money Market Rate.

Note: The risk profile of the fund is not the same as the risk profile of the benchmark.

Member Profile
  • Risk tolerant
  • Preference for long-term capital growth

CONTRIBUTIONS & WITHDRAWALS

There are fees and charges involved and you are advised to consider them before contributing to the scheme.

Public Mutual Private Retirement Scheme – Conventional Series Public Mutual Private Retirement Scheme – Shariah-based Series
Minimum contribution Initial contribution Lump sum contribution : RM1,000*
Direct Debit Instruction (DDI): RM100
Subsequent contribution Lump sum contribution : RM100*
Direct Debit Instruction (DDI): RM100
Minimum Withdrawal 1,000 units

* A lower amount may be accepted if contributions to the fund(s) are made through employers. A minimum amount of RM100 for each fund will be accepted for transfers from other PRS providers. The PRS Provider may reduce the minimum initial and additional contribution amount from time to time.

FEES & CHARGES

There are fees and charges involved and you are advised to consider them before contributing to the scheme.

Annual PPA administration fee (*)0.04% per annum of the NAV.

Public Mutual PRS Conservative Fund / Islamic Conservative Fund Public Mutual PRS Moderate Fund / Islamic Moderate Fund Public Mutual PRS Growth Fund / Islamic Growth Fund Public Mutual PRS Equity Fund / Strategic Equity Fund/Islamic Strategic Equity Fund
Sales charge (*) Up to 3.0% of NAV per unit.

The PRS Provider may at its discretion, charge a lower sales charge based on criterion as may be determined from time to time.

Redemption charge (*) Nil.
Switching fee (between funds in this Scheme) (*) Nil.
Switching Fee (between funds in another PRS managed by Public Mutual) Nil.
Transfer fee (to another PRS provider) (*) RM25 for each transfer request.
Annual management fee (*) 1.0% per annum of the NAV. 1.25% per annum of the NAV. 1.50% per annum of the NAV. 1.60% per annum of the NAV

Public Mutual PRS Conservative/Islamic Conservative Fund Public Mutual PRS Growth / Moderate/Equity/ Strategic Equity Fund

Public Mutual PRS Islamic Growth/ Moderate/Strategic Equity Fund

Annual scheme trustee fee (*) 0.04% per annum of NAV, subject to a maximum fee of RM300,000 per annum. 0.04% per annum of NAV, subject to a maximum fee of RM600,000 per annum.
(*) Effective 1 April 2015, Goods and Services Tax (GST) will be applicable to the fees stipulated above.

RISKS DISCLOSURE

You are advised to read the scheme’s disclosure document and understand the risks involved and, if necessary, consult your professional adviser before making contributions.

General Investment Risks

Capital and returns not guaranteed, Market risk, Fund Manager risk, Inflation risk, Legal and regulatory risk and risk associated with the default option.

Specific Risks of the Funds

Public Mutual Private Retirement Scheme – Conventional Series

Public Mutual PRS Conservative Fund Public Mutual PRS Moderate Fund Public Mutual PRS Growth Fund Public Mutual PRS Equity Fund Public Mutual PRS Strategic Equity Fund
Market risk checkmark checkmark checkmark checkmark checkmark
Specific security risk checkmark checkmark checkmark checkmark checkmark
Liquidity risk checkmark checkmark checkmark checkmark checkmark
Interest rate risk checkmark checkmark checkmark checkmark checkmark
Credit risk checkmark checkmark checkmark checkmark checkmark
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Public Mutual Private Retirement Scheme – Shariah-based Series

Public Mutual PRS Islamic Conservative Fund Public Mutual PRS Islamic Moderate Fund Public Mutual PRS Islamic Growth Fund Public Mutual PRS Islamic Strategic Equity Fund
Market risk checkmark checkmark checkmark checkmark
Specific security risk checkmark checkmark checkmark checkmark
Liquidity risk checkmark checkmark checkmark checkmark
Interest rate risk checkmark checkmark checkmark checkmark
Credit risk checkmark checkmark checkmark checkmark
Risk of non-compliance with Shariah requirements checkmark checkmark checkmark checkmark
Currency risk checkmark checkmark checkmark checkmark
Country risk checkmark checkmark checkmark checkmark

OTHERS

The Fund Investment Performance information is provided by Morningstar. Click here to access the Morningstar webpage.

For more information about Morningstar, go to About Morningstar.

Public Bank Berhad (6463-H)
Menara Public Bank
146 Jalan Ampang
50450 Kuala Lumpur
Tel: 03-2176 6000 / 2176 6666
Hotline: 1800 22 9999

Public Mutual Berhad (23419-A)
Block B, Sri Damansara Business Park,
Persiaran Industri, Bandar Sri Damansara,
52200 Kuala Lumpur.
Tel: 03-62796800 Fax: 03-62779800
Hotline: 03-62075000
Email: customer@publicmutual.com.my
Web: https://www.publicmutual.com.my