AHAM ASSET MANAGEMENT BERHAD
企业资讯
AHAM Asset Management Berhad (“AHAM Capital”) (formerly known as Affin Hwang Asset Management Berhad) is an independently-managed, institutionally-owned asset management firm. Since its formation in 2001, AHAM Capital has served the wealth needs of corporates, institutions, pension funds, government-linked companies, high net worth individuals and the mass affluent. Our purpose is clear. We are here to help our clients build wealth and achieve their financial goals through their trust.
For detail information on the PRS, please refer to the PRS Provider’s Disclosure Document & Product Highlights Sheet here.
计划与基金的资讯
预设及自选选项
| Investment Objective | To provide Members with a Fund that preserves# capital for their retirement needs
.#The Fund is not a capital guaranteed nor a capital protected fund. |
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| Fund Category | Core (Conservative) – Mixed Asset | |
| Investment Strategy | The Fund will be investing primarily in local and foreign fixed income instruments (including money market instruments) such as bonds, corporate bonds, commercial papers and other permitted investments as listed in Section 5.11 of the Disclosure Document, which will be at a minimum of 60% of the Fund’s NAV. The Provider will mainly focus on investments in fixed income instruments with a minimum of BBB3 / P2 ratings by RAM or equivalent rating by other credit rating agencies. The Provider may also invest in fixed income instruments that are unrated (subject to the Provider’s internal credit analysis) and fixed income instruments that are rated below the BBB3 / P2 ratings by RAM or equivalent rating by other credit rating agencies. To manage the risks posed by these types of fixed income instruments, the exposures will be capped at 5% of the Fund’s NAV.
The Fund may invest in derivatives, such as foreign exchange forward contracts and cross currency swaps for hedging purposes. To enhance returns, the Fund may invest in dividend paying equities. Exposure in equities will be capped at a maximum of 40% of the Fund’s NAV and will include investments in Foreign Markets to increase the Fund’s investment and diversification opportunities. The Fund may also invest in collective investment schemes that have similar objectives to the Fund. # The Fund is not a capital guaranteed nor a capital protected fund |
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| Asset Allocation | Equities and equity-linked instruments | Minimum of 0% to maximum of 40% of the NAV of the Fund |
| Fixed income instruments (including money market instruments) | Minimum of 60% to maximum of 100% of the NAV of the Fund. | |
| Performance Benchmark | 10% MSCI AC World Index 5% MSCI AC Asia ex Japan Index 5% FTSE Bursa Malaysia Top 100 Index 80% Maybank 12-Month Fixed Deposit Rate |
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| Member Profile |
Age group of fifty five (55) years old and above if contribute under Default Option.
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AHAM Private Retirement Scheme (Islamic Core Fund) Scheme Trustee: CIMB Commerce Trustee Berhad
| Investment Objective | To provide Members with a Islamic Fund that preserves# capital for their retirement needs.
.#The Fund is not a capital guaranteed nor a capital protected fund. |
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| Fund Category | Islamic Core (Conservative) – Mixed Asset | |
| Investment Strategy | To provide Members with an Islamic fund that facilitates preservation of capital for their retirement needs, the Fund will be investing primarily in local and foreign Islamic fixed income instruments (including Islamic money market instruments) as listed in the permitted investments section 5.11 below, which will be at a minimum of 60% of the Fund’s NAV. The Provider will mainly focus on investments in Islamic fixed income instruments with a minimum of BBB3/P2 ratings by RAM or equivalent rating by other credit rating agencies.
The Provider may also invest in Islamic fixed income instruments that are unrated (subject to the Provider’s internal credit analysis) and Islamic fixed income instruments that are rated below the BBB3/P2 ratings by RAM or equivalent rating by other credit rating agencies. To manage the risks posed by these types of Islamic fixed income instruments, the exposures will be capped at 5% of the Fund’s NAV. The Fund may invest in Islamic derivatives, such as Islamic index futures, Islamic foreign exchange forward contracts and Islamic cross currency swaps for hedging purposes. To enhance returns, the Fund may invest in dividend paying Shariah-compliant equities. Exposure in Shariah-compliant equities will be capped at a maximum of 40% of the Fund’s NAV and will include investments in Foreign Markets to increase the Fund’s investment and diversification opportunities. The Fund may also invest in Islamic collective investment schemes that have similar investment objectives to the Fund. # The Fund is not a capital guaranteed nor a capital protected fund |
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| Asset Allocation | Equities and equity-linked instruments | Minimum of 0% to maximum of 40% of the NAV of the Fund |
| Fixed income instruments (including money market instruments) | Minimum of 60% to maximum of 100% of the NAV of the Fund. | |
| Performance Benchmark | 10% MSCI AC World Islamic Index 5% MSCI AC Asia ex Japan Islamic Index 5% FTSE Bursa Malaysia EMAS Shariah Index 80% Maybank 12-Month General Investment Account (GIA) Rate |
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| Member Profile |
Age group of fifty five (55) years old and above if contribute under Default Option.
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| Investment Objective | The Fund seeks income and capital growth from its investments to facilitate the accumulation of retirement savings# for Members’ retirement needs.
.#The Fund is not a capital guaranteed nor a capital protected fund. |
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| Fund Category | Core (Moderate) – Mixed Asset | |
| Investment Strategy | The Fund will be investing in a portfolio which will mainly consist of equities and fixed income instruments to achieve income and capital growth. The Fund’s exposure in the equity markets will be capped at a maximum of 60% of the Fund’s NAV and will include investments in Foreign Markets to increase the Fund’s investment and diversification opportunities.
The Fund may also invest in collective investment schemes that have similar investment objectives to the Fund. The Fund will also have a minimum of 40% of its NAV invested in both local and foreign fixed income instruments. The Fund may invest in derivatives, such as index futures, foreign exchange forward contracts and cross currency swaps mainly for hedging purposes. The Fund may also employ derivatives for investment purposes to enhance the returns of the Fund by taking a view on the underlying asset or currency and establish a long position to gain a specific underlying exposure. The Fund may also invest in structured products such as, but not limited to equity-linked notes. # The Fund is not a capital guaranteed nor a capital protected fund |
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| Asset Allocation | Equities and equity-linked instruments | Minimum of 0% to maximum of 60% of the NAV of the Fund |
| Fixed income instruments (including money market instruments) | Minimum of 40% to maximum of 100% of the NAV of the Fund. | |
| Performance Benchmark | 30% MSCI AC World Index 10% MSCI AC Asia ex Japan Index 10% FTSE Bursa Malaysia Top 100 Index 50% Maybank 12-Month Fixed Deposit Rate |
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| Member Profile |
Age group of between forty five (45) to below fifty five (55) years old if contribute under Default Option.
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AHAM Private Retirement Scheme (Islamic Core Fund) Scheme Trustee: CIMB Commerce Trustee Berhad
| Investment Objective | To facilitate the accumulation of Shariah-compliant retirement savings# by Members for their retirement needs by generating income and capital growth through Shariah-compliant investments.
.#The Fund is not a capital guaranteed nor a capital protected fund. |
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| Fund Category | Islamic Core (Moderate) – Mixed Asset | |
| Investment Strategy | The Fund will invest in a portfolio of Shariah-compliant equities and Islamic fixed income instruments to achieve income and capital growth. The Fund’s exposure in Shariah-compliant equities and Shariah-compliant equity-linked instruments will be capped at a maximum of 60% of the Fund’s NAV and will include Shariah-compliant investments in Foreign Markets to increase the Fund’s investment and diversification opportunities. The Fund will also have a minimum of 40% of its NAV invested in Islamic fixed income instruments and other Shariah-compliant permitted investments as listed in Section 5.11 of the Disclosure Document.
The Fund may also invest in Islamic collective investment schemes that have similar objectives to the Fund. The Fund may invest in Islamic derivatives, such as Islamic index futures, Islamic foreign exchange forward contracts and Islamic cross currency swaps mainly for hedging purposes. The Fund may also employ Islamic derivatives for investment purposes to enhance the returns of the Fund by taking a view on the underlying asset or currency and establish a long position to gain a specific underlying exposure. # The Fund is not a capital guaranteed nor a capital protected fund |
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| Asset Allocation | Equities and equity-linked instruments | Minimum of 0% to maximum of 60% of the NAV of the Fund |
| Fixed income instruments (including money market instruments) | Minimum of 40% to maximum of 100% of the NAV of the Fund. | |
| Performance Benchmark | 30% MSCI AC World Islamic Index 10% MSCI AC Asia ex Japan Islamic Index 10% FTSE Bursa Malaysia EMAS Shariah Index 50% Maybank 12-Month General Investment Account (GIA) Rate |
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| Member Profile |
Age group of between forty five (45) to below fifty five (55) years old if contribute under Default Option.
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| Investment Objective | To facilitate the accumulation of retirement savings# by Members for their retirement needs, the Fund aims to generate capital growth.
.#The Fund is not a capital guaranteed nor a capital protected fund. |
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| Fund Category | Core (Growth) – Mixed Asset | |
| Investment Strategy | To achieve the objective of generating capital growth, the Fund will invest in a portfolio of mixed assets. Because of the Fund’s relatively aggressive nature, the Fund will be investing mainly in a portfolio of growth biased equities to achieve capital growth. The Fund’s exposure in the equity markets will be capped at a maximum 90% of the Fund’s NAV and will include investments in Foreign Markets to increase the Fund’s investment and diversification opportunities.
The Fund may also invest in collective investment schemes that have similar objectives to the Fund. The Fund will also have a minimum of 10% of its NAV invested in both local and foreign fixed income instruments. The Fund may invest in derivatives, such as index futures, foreign exchange forward contracts and cross currency swaps mainly for hedging purposes. The Fund may also employ derivatives for investment purposes to enhance the returns of the Fund by taking a view on the underlying asset or currency and establish a long position to gain a specific underlying exposure. The Fund may also invest in structured products such as, but not limited to equity-linked notes. # The Fund is not a capital guaranteed nor a capital protected fund |
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| Asset Allocation | Equities and equity-linked instruments | Minimum of 0% to maximum of 90% of the NAV of the Fund |
| Fixed income instruments (including money market instruments) | Minimum of 10% to maximum of 100% of the NAV of the Fund. | |
| Performance Benchmark | 50% MSCI AC World Index 10% MSCI AC Asia ex Japan Index 10% FTSE Bursa Malaysia Top 100 Index 30% Maybank 12-Month Fixed Deposit Rate |
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| Member Profile |
Age group of below forty five (45) years old if contribute under Default Option. |
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AHAM Private Retirement Scheme (Islamic Core Fund) Scheme Trustee: CIMB Commerce Trustee Berhad
| Investment Objective | To facilitate the accumulation of Shariah-compliant retirement savings by Members for their retirement needs, the Fund aims to generate capital growth through a portfolio of Shariah-compliant investments.
.#The Fund is not a capital guaranteed nor a capital protected fund. |
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| Fund Category | Islamic Core (Growth) – Mixed Asset | |
| Investment Strategy | To achieve the objective of generating capital growth, the Fund will invest in a portfolio of Shariah-compliant assets. Because of the Fund’s relatively aggressive nature, the Fund will be investing mainly in a portfolio of growth biased Shariah-compliant equities and Shariah-compliant equity-linked instruments to achieve capital growth.
The Fund’s exposure in the equity markets will be capped at a maximum of 90% of the Fund’s NAV and will include investments in Foreign Markets to increase the Fund’s investment and diversification opportunities. The Fund may also invest in Islamic collective investment schemes that have similar objectives to the Fund. The Fund will also have a minimum of 10% of its NAV invested in both local and foreign Islamic fixed income instruments. The Fund may invest in Islamic derivatives, such as Islamic index futures, Islamic foreign exchange forward contracts and Islamic cross currency swaps mainly for hedging purposes. The Fund may also employ Islamic derivatives for investment purposes to enhance the returns of the Fund by taking a view on the underlying asset or currency and establish a long position to gain a specific underlying exposure. # The Fund is not a capital guaranteed nor a capital protected fund |
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| Asset Allocation | Equities and equity-linked instruments | Minimum of 0% to maximum of 90% of the NAV of the Fund |
| Fixed income instruments (including money market instruments) | Minimum of 10% to maximum of 100% of the NAV of the Fund. | |
| Performance Benchmark | 50% MSCI AC World Islamic Index 10% MSCI AC Asia ex Japan Islamic Index 10% FTSE Bursa Malaysia EMAS Shariah Index 30% Maybank 12-Month General Investment Account (GIA) Rate |
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| Member Profile |
Age group of below forty five (45) years old if contribute under Default Option. |
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存款及提领
| AHAM PRS Conservative Fund | AHAM PRS Moderate Fund | AHAM PRS Growth Fund | AHAM Aiiman PRS Shariah Conservative Fund | AHAM Aiiman PRS Shariah Moderate Fund | AHAM Aiiman PRS Shariah Moderate Fund | |
|---|---|---|---|---|---|---|
| Minimum contribution | Initial – RM100.Subsequent – RM50. | |||||
| Minimum withdrawal | No minimum withdrawal | |||||
收费
| AHAM PRS Conservative Fund | AHAM PRS Moderate Fund | AHAM PRS Growth Fund | AHAM Aiiman PRS Shariah Conservative Fund | AHAM Aiiman PRS Shariah Moderate Fund | AHAM Aiiman PRS Shariah Growth Fund | |
|---|---|---|---|---|---|---|
| Sales charge | Not applicable. | |||||
| Redemption charge | Not applicable. | |||||
| Switching fee (between funds in this Scheme) | Not applicable. | |||||
| Switching Fee (between funds in another PRS managed by the PRS Provider) | Not applicable. | |||||
| Transfer fee (to another PRS provider) | RM25 for each transfer request to another PRS provider. | |||||
| Annual management fee | Up to 1.3% per annum of the NAV of the Fund | Up to 1.5% per annum of the NAV of the Fund | Up to 1.8% per annum of the NAV of the Fund | Up to 1.3% per annum of the NAV of the Fund | Up to 1.5% per annum of the NAV of the Fund | Up to 1.8% per annum of the NAV of the Fund |
| Annual scheme trustee fee | 0.04% per annum of the NAV of the Fund (excluding foreign custodian fees and charges, if any). | |||||
| Annual PPA administration fee | 0.04% per annum of the NAV of the Fund. | |||||
风险 披露
General Investment Risks
Capital and returns not guaranteed, Fund Manager risk, Market risk, Inflation risk, Liquidity risk, Risk associated with default option, Risk of non-compliance, Operational risk and legal and regulatory risk.
Specific Risks of the Funds
| AHAM PRS Conservative Fund | AHAM PRS Moderate Fund | AHAM PRS Growth Fund | AHAM Aiiman PRS Shariah Growth Fund | AHAM Aiiman PRS Shariah Moderate Fund | AHAM Aiiman PRS Shariah Conservative Growth Fund | |
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| Equity investment risk |  |
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| Credit/default risk | |
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| Interest rate risk | |
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| Profit rate risk | |
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| Collective investment scheme risk | |
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| Equity-linked instruments investment risk | |
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| Counterparty risk | |
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| Currency risk | |
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| Country risk | |
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| Derivatives risk | |
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| Shariah-compliant equity investment risk | |
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| Shariah-compliant equity-linked instruments investment risk | |
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| Islamic collective investment scheme risk | |
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| Reclassification of Shariah status risk | |
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| Islamic derivatives risk | |
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其它
For the Fund Investment Performance information, please refer to PRS Fund Performance.
AHAM Asset Management Berhad:
| HEAD OFFICE Ground Floor, Menara Boustead, 69 Jalan Raja Chulan, 50200 Kuala Lumpur. Toll Free No : 1-800-88-7080 Tel: 03-2116 6000 Fax: 03-2116 6100 Email: customercare@affinhwangam.com Website: www.affinhwangam.com |
JOHOR Unit 22-05, Level 22, Menara Landmark No.12, Jalan Ngee Heng 80000 Johor Bahru, Johor Tel No: 07-227 8999 Fax No: 07-223 8998 |
PETALING JAYA C-31-1, Jaya One, 72A Jalan Prof Diraja Ungku Aziz, Section 13, 46200 Petaling Jaya, Selangor. Tel: 03-7760 3062 Fax: –SARAWAK Ground Floor, No.69, Block 10, Jalan Laksamana Cheng Ho 93200 Kuching, Sarawak Tel: 082-233 320 Fax: 082-233 663 1st Floor, Lot 1291, |
| PENANG No. 10-C-23 & No.10-C-24, Precinct 10, Jalan Tanjung Tokong, 10470 Penang Tel: 04-899 8022 Fax: 04-899 1916 |
MELAKA Ground Floor, No. 584, Jalan Merdeka, Taman Melaka Raya, 75000 Melaka, Tel: 06-281 2890 Fax: 06-281 2937 |
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| PERAK 1, Persiaran Greentown 6, Greentown Business Centre, 30450 Ipoh, Perak Tel: 05-241 0668 Fax: 05-255 9696 |
SABAH Unit 1.09(a), Level 1, Plaza Shell, 29, Jalan Tunku Abdul Rahman, 88000 Kota Kinabalu, Sabah Tel: 088-252 881 Fax: 088-288 803 |