AIA PENSION AND ASSET MANAGEMENT SDN. BHD.

企业资讯

AIA Pension and Asset Management Sdn. Bhd. (AIA PAM), is the fund management arm of AIA Bhd, one of the two life insurance companies awarded the Private Retirement Scheme (PRS) licence by the Securities Commission Malaysia. AIA PAM launched four PRS funds on 16 May 2013 to further augment AIA Bhd’s comprehensive suite of products that aims to provide for the protection, savings and retirement needs of its over 2.6 million individual life and employee benefits customers. As at 30 June 2013, AIA PAM had a paid-up capital of RM28 million.

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

Aged 55 years & above

AIA PAM – Conservative Fund

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 the PRS Provider’s page

Investment Objective	The fund seeks to provide returns through income* that is consistent with capital preservation*. Income will be reinvested in additional units in the fund. ** The fund is not capital guaranteed nor capital protected.
Fund Category	Core (Conservative).
Investment Strategy	The Fund will invest at least 70% of its net asset value (“NAV”) in fixed income instruments and money market instruments, of which a minimum of 10% of the Fund’s NAV will be invested in money market instruments. The remainder of the Fund’s NAV will be invested in equities and collective investment schemes, of which a maximum of 20% of the Fund’s NAV in collective investment schemes. The Fund will invest in local and foreign markets.
Asset Allocation	Fixed income instruments and money market instruments	At least 70% of the Fund’s NAV, of which a minimum of 10% of the Fund’s NAV will be invested in money market instruments
	Equities and collective investment schemes	Up to 30% of the Fund’s NAV, of which a maximum of 20% of the Fund’s NAV in collective investment schemes.
Performance Benchmark	60% Quant Shop MGS All Bond Index + 10% Malayan Banking Berhad Overnight Rate + 20% FBMT 100 Index + 10% Bloomberg Barclays Global Aggregate Corporate TR Index Unhedged USD.
Member Profile	Members who: are seeking returns through income* that is consistent with capital preservation over the medium to long term* period; and have a low risk appetite. Income will be reinvested in additional units in the fund. The fund is not capital guaranteed nor capital protected. ** “medium to long term” means a period of 3 years and above. For members under the Default Option who are 55 years old and above, their contributions will be allocated into this Fund. Note: Where a member under the Default Option makes the first contribution to the Scheme a month before the member attains the age of 55 years old, the member’s contribution will be allocated into this Fund instead.

Aged 45 years and below 55 years

AIA PAM – Moderate Fund

Investment Objective	The fund seeks to provide returns through a combination of income* and capital growth. *Income will be reinvested in additional units in the fund.
Fund Category	Core (Moderate)
Investment Strategy	The Fund will invest in equities that are trading below their fair value and equities offering a dividend yield above the market average. The Fund will invest in local and foreign markets. The Fund will also invest at least 35% of its net asset value (“NAV”) in local fixed income instruments with a minimum credit rating of “BBB3” or “P2” by RAM or equivalent rating by MARC.
Asset Allocation	Equities	Up to 90% of the Fund’s NAV
	Local fixed income instruments	At least 10% of the Fund’s NAV
Performance Benchmark	30% FBMT 100 Index + 20% MSCI AC Asia ex-Japan Index + 20% Quant Shop MGS All Bond Index + 30% MSCI World Index.
Member Profile	Members who: are seeking returns over the medium to long term period; and have a moderate to high level of risk appetite. Note: “medium to long term” means a period of three (3) years and above. For members under the Default Option who are below the age of 45 years, their contributions will be allocated into this Fund. Note: Where a member under the Default Option makes the first contribution to the Scheme a month before the member attains the age of 45 years old, the member’s contribution will be allocated into the AIA PAM – Moderate Fund instead.

Aged below 45 years

AIA PAM – Growth Fund

Investment Objective	The fund seeks to provide returns through capital growth.
Fund Category	Core (Growth)
Investment Strategy	The Fund will invest in equities with a bias towards equities with potential for growth. The Fund will invest in local and foreign markets. The Fund will also invest at least 10% of its net asset value (“NAV”) in local fixed income instruments with a minimum credit rating of “BBB3” or “P2” by RAM or equivalent rating by MARC.
Asset Allocation	Equities	Up to 90% of the Fund’s NAV
	Local fixed income instruments	At least 10% of the Fund’s NAV
Performance Benchmark	30% FBMT 100 Index + 20% MSCI AC Asia ex-Japan Index + 20% Quant Shop MGS All Bond Index + 30% MSCI World Index.
Member Profile	Members who: are seeking returns over the medium to long term period; and have a moderate to high level of risk appetite. Note: “medium to long term” means a period of three (3) years and above. For members under the Default Option who are below the age of 45 years, their contributions will be allocated into this Fund. Note: Where a member under the Default Option makes the first contribution to the Scheme a month before the member attains the age of 45 years old, the member’s contribution will be allocated into the AIA PAM – Moderate Fund instead.

其他自选选项

AIA PAM – Islamic Moderate Fund

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 provide returns through a combination of income* and capital growth from a portfolio that is consistent with Shariah principles. *Income will be reinvested in additional units in the fund.
Fund Category	Balanced.
Investment Strategy	The Fund will invest in a Shariah-compliant portfolio comprising equities with potential for growth and equities that are trading below their fair value. The Fund will also invest at least 40% of its net asset value (“NAV”) in Sukuk and Islamic money market instruments with a minimum credit rating of “BBB3” or “P2” by RAM or equivalent rating by MARC. The Fund will only invest locally.
Asset Allocation	Shariah-compliant equities	At least 40% and a maximum of 60% of the Fund’s NAV
	Sukuk and Islamic money market instruments	At least 40% of the Fund’s NAV
Performance Benchmark	50% FBM EMAS Shariah Index + 50% Quant Shop GII All Index.
Member Profile	Members who: are seeking returns over the medium to long term period; and have a moderate risk appetite. Note: “medium to long term” means a period of three (3) years and above.

AIA PAM – Global Islamic Growth Fund

Investment Objective	The Fund seeks to provide returns through capital growth by investing in Shariah-compliant securities predominantly in the global markets.
Fund Category	Growth.
Investment Strategy	The Fund will invest at least 60% to 90% of its NAV in Shariah-compliant equities including Islamic collective investment schemes. # The Fund will also invest at least 10% of its NAV in Sukuk, Islamic deposit and/or Islamic money market instruments. # The Fund will invest in local and foreign markets. # If in the opinion of the PRS Provider, it is necessary to preserve the volume of equities held by the Fund, the PRS Provider may adopt a temporary defensive strategy during adverse market conditions by reducing the Fund’s Shariah-compliant equity exposure to an amount below 60% and raising its level of investments in Sukuk, Islamic deposit and/or Islamic money market instruments for a period no longer than 6 months.
Asset Allocation	Shariah-compliant equities including Islamic collective investment schemes	At least 60% to 90% of the Fund’s NAV
	Sukuk, Islamic deposit and/or Islamic money market instruments	At least 10% of the Fund’s NAV
Performance Benchmark	Target return of 6% per annum.
Member Profile	Members who: are seeking returns over the medium to long term period; and have a moderate to high risk appetite. Note: “medium to long term” means a period of three (3) years and above.

AIA PAM – Dynamic Asia Ex-Japan Fund

Investment Objective	The Fund seeks to provide income* and capital growth over the Medium to Long Term with investments predominantly in the Asia Ex-Japan market. *Income will be reinvested in additional Units in the Fund.
Fund Category	Non-Core (Mixed Assets).
Investment Strategy	The Fund will invest between 20% and 80% of its NAV in equities, including collective investment schemes and between 20% and 80% of its NAV in local fixed income instruments, money market instruments and/or deposits with financial institutions. The Fund will invest in local and foreign markets.
Asset Allocation	Equities including collective investment schemes	Between 20% and 80% of the Fund’s NAV
	Fixed income instruments, money market instruments and/or deposits with financial institutions	Between 20% and 80% of the Fund’s NAV
Performance Benchmark	50% MSCI AC Asia Ex Japan Index + 50% Quant Shop MGS All Bond Index.
Member Profile	Members who: are seeking investment to achieve income and capital growth over the medium to long term period; and have a moderate to high risk appetite. Note: “medium to long term” means a period of three (3) years and above.

存款及提领

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

	For all Funds
Minimum contribution	Initial – RM100. Subsequent – RM100. Note: The PRS Provider reserves the right to change the amount from time to time. This amount, however, shall not apply to conditionally vested Units.
Minimum withdrawal	1,000 units

For all Funds

Minimum contribution

Initial – RM100.
Subsequent – RM100.

Note: The PRS Provider reserves the right to change the amount from time to time. This amount, however, shall not apply to conditionally vested Units.

Minimum withdrawal

1,000 units

收费

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

	AIA PAM – Conservative Fund	AIA PAM – Dynamic Asia Ex-Japan Fund
Sales charge	Up to 3.00% of NAV per unit. Note: The PRS Provider reserves the right to waive or reduce the sales charge from time to time at its absolute discretion. Members may also negotiate for a lower sales charge. All sales charges will be rounded up to two (2) decimal places
Redemption charge	Nil.
Switching fee (between funds in this Scheme)	No charges for the first two (2) switches in each calendar year. RM25 will be imposed for all subsequent switches after the first two (2) switches in each calendar year
Transfer fee (to another PRS provider)	RM25 for each transfer request.
Annual management fee	Up to 1.50% per annum of the NAV of the Fund.	Up to 1.80% per annum of the NAV of the Fund.
Annual scheme trustee fee	0.04% per annum of the NAV of the fund
Annual PPA administration fee	0.04% per annum of the NAV of the fund

风险披露

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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, Liquidity risk, Risk associated with default option, Risk of non-compliance and Operational risk.

Specific Risks of the Funds

	AIA PAM – Conservative Fund	AIA PAM – Moderate Fund	AIA PAM – Growth Fund	AIA PAM – Islamic Moderate Fund	AIA PAM – Global Islamic Growth Fund	AIA PAM – Dynamic Asia Ex-Japan Fund
Credit/default risk
Interest rate risk
Particular security risk
Country risk
Currency risk
Shariah Status Reclassification risk

其它

投资基金表现

For the Fund Investment Performance information, please refer to PRS Fund Performance.

分销管道

AIA Pension and Asset Management Sdn. Bhd.
Level 10, Menara AIA,
99 Jalan Ampang,
50450 Kuala Lumpur
Care Line: 1300 22 7771
Fax number: 03-2056 1091
Email: my.apam_helpdesk@aia.com

PRS 基金管理
公司和计划

AIA PENSION AND ASSET MANAGEMENT SDN. BHD.

预设及自选选项

Aged 55 years & above

Aged 45 years and below 55 years

Aged below 45 years

Aged 55 years & above

Aged 45 years and below 55 years

Aged below 45 years

其他自选选项

General Investment Risks

Specific Risks of the Funds