Fees Comparison

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Legend:

All |   Core Funds and Non-Core Funds
Others |   Core Fund(s) and Non-Core Funds

Note:
1) Principal Asset Management Berhad:
(formerly known as CIMB-Principal Asset Management Berhad)

Class Features
Class A Subject to the PRS Provider’s absolute discretion, Class A is for an individual who has attained the age 18 years as of the date of opening a private pension account.
Class A and Class C have different Sales Charge and Management Fee.
Class C Subject to the PRS Provider’s absolute discretion, Class C is for an individual who has attained the age 18 years as of the date of opening a private pension account.
Class A and Class C have different Sales Charge and Management Fee.
Class X Subject to the PRS Provider’s absolute discretion, Class X is for a Member who participates via his/her employer. Class X has no Sales Charge.

2) Manulife Investment Management (M) Berhad

Multiple classes of units

The core funds of the Scheme have 3 classes of units: Class A, Class B and Class C. The non-core fund of the Scheme has 1 class of unit: Class C.

Class A, Class B and Class C units are distinguished by the amount of sales charge, redemption charge, switching fee, transfer fee and amount of management fee imposed by the Provider on each of those classes of units.

On the 10th anniversary of the date the first contribution was made by or on behalf of a member holding Class A units of a Fund, the Class A units of such Fund held by a member will automatically be converted into Class B units of such Fund at no cost to the member. Accordingly, any subsequent contributions by or on behalf of the member after the said 10th anniversary will be utilised towards the purchase of Class B units of the Funds. For the avoidance of doubt, the date the first contribution was made shall be the earliest date the first contribution was made to the Scheme or to any other PRS operated by the Provider.

The details and differences of the classes of units of the Funds are explained in the Disclosure Document.

Switching

Switching of vested units and/or conditionally vested units in a Fund may be done with the units of any other Funds within the Scheme or funds in another PRS operated by the Provider.

For Class C units, however, switching of units can only be done within the same class of units. You are not allowed to switch your vested units and/or conditionally vested units from Class C units to Class A or Class B units.

3) AmFunds Management Berhad:

Class Features
Class D Class D is only available for certain distributors appointed by the PRS Provider and via AmInvest PRS online platform.
Class I Class I is only available for Employer-Sponsored Retirement Scheme and also employees of any employer with prior arrangement with the PRS Provider.

For more information on the fees / charges please contact your PRS provider or read the PRS Providers’ Disclosure Document, Supplementary or Replacement Disclosure Document and Product Highlights Sheet.