AMFUNDS MANAGEMENT BERHAD
企业资讯
AmInvest is a global award-winning fund house with a track record spanning more than three decades and provides innovative investment solutions across a full spectrum of asset classes, for both individual and institutional investors.
Through its retirement solutions, AmInvest’s Private Retirement Scheme that has been designed to capitalise on market cycles, AmInvest continues to pursue a winning strategy of optimising returns for investors within acceptable risk boundaries.
AmInvest adopts a rigorous risk management framework developed through a continuously improved risk management culture. AmInvest’s Private Retirement Scheme reflects this approach and aims to help all Malaysians realise their retirement dreams and long-term financial goals.
有关 PRS 的详细信息,点击此处参阅 PRS 基金管理公司的披露文件和产品重点报表。
计划与基金的资讯
预设及自选选项
Investment Objective | AmPRS – Conservative Fund aims to preserve* capital by investing primarily in fixed income securities and money market instruments. Note: *Please note that members’ capital is neither guaranteed nor protected. Note: Any material change to the investment objective of the Fund(s) would require Members’ approval. |
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Fund Category | Core (Conservative). | |
Investment Strategy | The AmPRS – Conservative Fund may invest its assets into a well-diversified portfolio comprising the following asset classes:
The use of derivative is not applicable for the Fund as the Fund has no foreign currency exposure |
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Asset Allocation |
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Performance Benchmark | 1-year Malayan Banking Berhad Conventional Fixed Deposit Rate | |
Member Profile | AmPRS – Conservative Fund is suitable for members who seek:
Note: * Please note that Members’ capital is neither guaranteed nor protected. |
Investment Objective | AmPRS – Moderate Fund aims to provide medium to long term capital growth by investing in equities, fixed income securities and/or REITs. Note: Any material change to the investment objective of the Fund(s) would require Members’ approval. |
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Fund Category | Core (Moderate) | |
Investment Strategy | The AmPRS – Moderate Fund may invest its
assets into a well-diversified portfolio comprising the following asset
classes:
The Fund may also invest in derivatives for the purpose of hedging (subject to PRS Guidelines) if it is deemed necessary to do so. |
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Asset Allocation |
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Performance Benchmark |
Note: * Medium means the duration is between three (3) years to seven (7) years. |
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Member Profile | AmPRS – Moderate Fund is suitable for
members who seek:
Note: * Please note that Members’ capital is neither guaranteed nor protected. |
Investment Objective | AmPRS – Growth Fund aims to provide long term capital growth by investing primarily in equities, equity-related securities and/or real estate investment trust (“REITs”).
Note: Any material change to the investment objective of the Fund(s) would require Members’ approval. |
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Fund Category | Core (Growth) | |
Investment Strategy |
The AmPRS – Growth Fund may invest its assets into a well-diversified portfolio comprising the following asset classes:
The securities that the Fund invests in will be traded and/or listed in the following countries, which includes but not limited to Australia, Hong Kong, Malaysia, New Zealand, Singapore, South Korea, Taiwan and Thailand. Foreign investments (if any) will be limited to 50% of the Fund’s net asset value (“NAV”). The Fund may also invest in derivatives for the purpose of hedging (subject to PRS Guidelines) if it is deemed necessary to do so. |
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Asset Allocation |
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Performance Benchmark |
Note: * Medium means the duration is between three (3) years to seven (7) years. |
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Member Profile |
AmPRS – Growth Fund is suitable for members who seek:
This Fund is also suitable for Members aged below 45 years if they contribute under the default option. Note: * Please note that members’ capital is neither guaranteed nor protected. |
其他自选选项
Investment Objective | AmPRS – Islamic Equity Fund aims to provide long term capital growth by investing primarily in Shariah compliant equities and/or equity-related securities.
Note: Any material change to the investment objective of the Fund would require Members’ approval. |
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Fund Category | Equity (Islamic) | |
Investment Strategy |
The AmPRS – Islamic Equity Fund may invest its assets into a well-diversified portfolio comprising the following asset classes:
The Shariah Compliant securities that the Fund invests in will be traded and/or listed in the following countries, which includes but not limited to Australia, Hong Kong, Malaysia, New Zealand, Singapore, South Korea, Taiwan and Thailand. Shariah Compliant foreign investments (if any) will be limited to 50% of the Fund’s net asset value (“NAV”). In order to achieve the investment objective, AmIslamic Funds Management Sdn Bhd (the “Investment Manager”) may opt to invest in the Shariah Compliant securities either directly or via Islamic collective investment schemes (“CIS”) of AFM or other Islamic CIS such as exchange-traded funds that comply with Shariah Principles. The Fund may also use Shariah Compliant hedging instruments for the purpose of hedging (subject to PRS Guidelines) if it is deemed necessary to do so. |
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Asset Allocation |
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Performance Benchmark |
Note: * Medium means the duration is between three (3) years to seven (7) years. |
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Member Profile |
AmPRS – Islamic Equity Fund is suitable for members who seek:
*Please note that members’ capital is neither guaranteed nor protected. |
Investment Objective | AmPRS – Islamic Balanced Fund aims to provide medium to long term capital growth by investing in Shariah compliant equities, sukuk and Shariah compliant money market instruments.
Any material change to the investment objective of the Fund would require members’ approval. |
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Fund Category | Balanced (Islamic) | |
Investment Strategy |
The AmPRS – Islamic Balanced Fund may invest its assets into a well-diversified portfolio comprising the following asset classes:
The Shariah Compliant securities that the Fund invests in will be traded and/or listed in the following countries, which includes but not limited to Australia, Hong Kong, Malaysia, New Zealand, Singapore, South Korea, Taiwan and Thailand. Shariah Compliant foreign investments (if any) will be limited to 40% of the Fund’s net asset value (“NAV”). In order to achieve the investment objective, AmIslamic Funds Management Sdn Bhd (the “Investment Manager”) may opt to invest in the Shariah Compliant securities either directly or via Islamic collective investment schemes (“CIS”) of AFM or other Islamic CIS such as exchange-traded funds that comply with Shariah Principles. The Fund may also use Shariah Compliant hedging instruments for the purpose of hedging (subject to PRS Guidelines) if it is deemed necessary to do so. |
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Asset Allocation |
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Performance Benchmark |
Note: * Medium means the duration is between three (3) years to seven (7) years. |
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Member Profile |
AmPRS – Islamic Balanced Fund is suitable for Members who seek:
Note: * Please note that Members’ capital is neither guaranteed nor protected. |
Investment Objective | The Fund aims to provide returns through income* and to a lesser extent capital appreciation by investing in the AmTactical Bond.
Note: * Income distribution (if any) will be reinvested. Any material change to the investment objective of the Fund would require members’ approval. |
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Fund Category | Feeder Fund (Bond) | |
Investment Strategy | The Fund seeks to achieve its investment objective by investing a minimum of 85% of the Fund’s net asset value (“NAV”) in the AmTactical Bond (“Target Fund”) at all times. This implies that the Fund has a passive strategy.
Note: A replacement of the Target Fund would require Members’ approval. |
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Asset Allocation |
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Performance Benchmark | RAM Quantshop All MGS Index, which is also the performance benchmark of the Target Fund. | |
Member Profile |
The Fund is suitable for members who:
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Investment Objective | The Fund aims to provide capital appreciation by investing in the AmDynamic* Sukuk.
Note: Any material change to the investment objective of the Fund would require Members’ approval. |
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Fund Category | Feeder fund (Sukuk) | |
Investment Strategy | The Fund seeks to achieve its investment objective by investing a minimum of 85% of the Fund’s net asset value (“NAV”) in the AmDynamic* Sukuk (“Target Fund”) at all times. This implies that the Fund has a passive strategy.
Note: A replacement of the Target Fund would require Members’ approval. |
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Asset Allocation |
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Performance Benchmark | Bond Pricing Agency Malaysia (BPAM) Corporates Sukuk Index, which is also the performance benchmark of the Target Fund.
Note: Effective 25 July 2015, the performance benchmark has been changed from Bloomberg AIBIM Bursa Malaysia Sovereign Shariah Index (BMSSI) to BPAM Corporates Sukuk Index. /p> |
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Member Profile |
The Fund is suitable for members who:
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Investment Objective | The Fund aims to provide income* and to a lesser extent capital appreciation over the Medium to Long Term by primarily investing in real estate investment trusts (REITs).
Note: |
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Fund Category | Real estate (REITs) | |
Investment Strategy | To achieve the investment objective, 70% to 98% of the Fund’s net asset value (“NAV”) will be invested in REITs listed in the Asia Pacific region, which includes but not limited to Australia, Hong Kong, Japan, Malaysia, New Zealand, Singapore, South Korea, Taiwan and Thailand. In addition to country diversification, the Fund will also diversify into different REITs sectors such as residential, commercial and industrial. The Fund will hold between 2% to 30% of its NAV in liquid assets.
The Investment Manager employs an active allocation strategy, which means the asset allocation decisions will be made after reviewing the macroeconomic trends and REITs market outlook of the respective countries in the Asia Pacific region. The Investment Manager will be targeting REITs that have been generating regular income returns and have potential for capital growth. In evaluating the suitability of a REIT, the Investment Manager, amongst other factors, will review the track record, investment portfolio, financial status, income distribution policy and cost factors of the REIT. In an adverse market condition, the Investment Manager may increase its asset allocation to lower risk assets such as liquid assets to safeguard the investment of the Fund. During this period, the Fund‘s investment may differ from the stipulated investment strategy. In order to achieve the investment objective, the Investment Manager will invest in REITs directly. |
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Asset Allocation |
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Performance Benchmark | S&P Pan Asia REITs Index1. (obtainable from:www.aminvest.com and Bloomberg L.P) | |
Member Profile |
The Fund is suitable for members who:
Note: * Income distribution (if any) will be in the form of units. |
存款及提领
All Funds | |
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Minimum contribution | Class D and Class I: For lump sum investment: RM500 per fund or lower amount as the PRS Provider may from time to time decide For lump sum investment via AmInvest PRS online platform: RM100 per fund or lower amount as the PRS Provider may from time to time decide Note: Maximum initial contribution through AmInvest PRS online platform is capped at RM20,000. For regular savings plan: Note: For Employer-Sponsored Retirement Scheme, the minimum contribution can be met by combining all contributions made by employers for their employee. |
Minimum additional contribution | Class D and Class I: For lump sum investment: RM100 per fund or lower amount as the PRS Provider may from time to time decide For regular savings plan: RM100 per fund or lower amount as the PRS Provider may from time to time decide Note: For Employer-Sponsored Retirement Scheme, the minimum contribution can be met by combining all contributions made by employers for their employee. |
Minimum withdrawal/switching | Class D and Class I: 500 units or such units as the PRS Provider may from time to time decide |
Minimum holding/balance | Class D and Class I: 200 units or such units as the PRS Provider may from time to time decide |
收费
AmPRS – Conservative Fund | AmPRS – Moderate Fund | AmPRS – Growth Fund | AmPRS – Islamic Equity Fund | ||
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Sales charge | Class D: Up to 3.00% of NAV per unit of the Class. Class I: There is no sales charge for this Class. |
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Redemption charge | Class D and Class I: There is no redemption charge for this Class | ||||
Switching fee (between funds in this Scheme) | Class D and Class I: Switching is allowed between Funds under the Scheme subject to a fee. You may be charged up to 3.00% of amount switched. However, switching between Class(es) within a Fund and switching between Class(es) between Funds are not allowed. |
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Switching fee (between funds in another PRS managed by AFM) | Nil. | ||||
Transfer fee (to another PRS provider) | Class D and Class I: Transfer of units from the Scheme to another scheme offered by another PRS provider is allowed at a fee of RM25, per transfer. This fee is payable to the PRS Provider. | ||||
Annual management fee | Class D: Up to 1.50% p.a. of the NAV attributable to this Class of units of the Fund. Class I: Up to 1.25% p.a. of the NAV attributable to this Class of units of the Fund. |
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Annual scheme trustee fee | Class D and Class I: Up to 0.04% p.a. of the NAV of the Fund (excluding foreign sub –custodian fee) | ||||
Annual PPA administration fee | Class D and Class I: 0.04% p.a. of the NAV of the Fund |
AmPRS – Islamic Balanced Fund | AmPRS – Asia Pacific REITs | AmPRS – Tactical Bond | AmPRS – Dynamic Sukuk | |
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Sales charge | Class D: Up to 3.00% of NAV per unit of the Class. Class I: There is no sales charge for this Class | Class D: Up to 2.00% of NAV per unit of the Class. Class I: There is no sales charge for this Class |
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Redemption charge | Class D and Class I: There is no redemption charge for this Class | Class D and Class I: Up to 1.00% of NAV per unit of the Class. All redemption charge will be placed back into the Fund | ||
Switching fee (between funds in this Scheme) | Class D and Class I: Switching is allowed between Funds under the Scheme subject to a fee. You may be charged up to 3.00% of amount switched. However, switching between Class(es) within a Fund and switching between Class(es) between Funds are not allowed. | |||
Switching fee (between funds in another PRS managed by AFM) | Nil. | |||
Transfer fee (to another PRS provider) | Class D and Class I: Transfer of units from the Scheme to another scheme offered by another PRS provider is allowed at a fee of RM25, per transfer. This fee is payable to the PRS Provider. | |||
Annual management fee | Class D: Up to 1.50% p.a. of the NAV attributable to this Class of units of the Fund Class I: Up to 1.25% p.a. of the NAV attributable to this Class of units of the Fund |
Class D and Class I: Up to 1.00% p.a. of the NAV attributable to this Class of units of the Fund | ||
Annual scheme trustee fee | Up to 0.04% p.a. of the NAV of the Fund (excluding foreign sub –custodian fee) | Up to 0.04% p.a. of the NAV of the Fund | ||
Annual PPA administration fee | Class D and Class I: Up to 0.04% p.a. of the NAV of the Fund |
风险 披露
General Investment Risks
Market risk, inflation risk, Investment Manager Risk, Country Risk, Non-Compliance Risk, Capital and Returns Not Guaranteed.
Specific Risks of the Funds
AmPRS – Conservative Fund | AmPRS – Moderate Fund | AmPRS – Growth Fund | AmPRS – Islamic Equity Fund | |
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Interest Rate Risk | ||||
Risks associated with investment in REITs | ||||
Liquidity Risk | ||||
Currency Risk | ||||
Risk associated with the Default Option | ||||
Company Specific Risk | ||||
Credit and Default Risk | ||||
Shariah Non-Compliance Risk |
AmPRS – Islamic Balanced Fund | AmPRS – Tactical Bond | AmPRS – Dynamic Sukuk | AmPRS – Asia Pacific REITs | |
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Interest Rate Risk | ||||
Risks associated with investment in REITs | ||||
Liquidity Risk | ||||
Currency Risk | ||||
Risk associated with the Default Option | ||||
Company Specific Risk | ||||
Credit and Default Risk | ||||
Shariah Non-Compliance Risk | ||||
Risk of a Passive Strategy | ||||
Risk of not Meeting the Fund’s Investment Objective | ||||
Income Distribution Risk | ||||
Related Party Transaction Risk | ||||
Concentration Risk |
其它
You may contact the PRS Provider at 03-2032 2888 for the list of distributors.
Tel: 603 – 2032 2888
Fax: 603 – 2031 5210
Email: aminvestprs@aminvest.com
PRS Advisers
1. AmBank Berhad
2. iFAST Capital Sdn Bhd
3. Kenanga Investment Bank Berhad
4. Philip Mutual Berhad
5. VKA Wealth Planners Sdn Bhd
6. Whitman Independent Advisors Sdn Bhd
PRS 基金管理
公司和计划