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

Aged 55 years & above

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

Public Mutual PRS Conservative Fund (PRS-CVF)

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. Any material changes to the investment objective of the fund would require members’ approval.
Fund Category	Core (Conservative)
Investment Strategy	PRS-CVF seeks to achieve its objective by investing primarily in fixed income securities and to a lesser extent in equities. The balance of the fund’s NAV will be invested in liquid assets which include money market instruments and deposits. To achieve increased diversification, the fund may invest in both domestic and selected foreign markets. If the outlook for the respective asset classes is unfavourable, the fixed income securities and/or equities exposure may be reduced while the exposure to liquid assets which includes money market instruments and deposits may be increased as a temporary defensive strategy. Typical Asset Classes Fixed income securities which are rated at least BBB3/P2 by RAM Holdings Berhad (RAM) or equivalent rating by Malaysian Rating Corporation Berhad (MARC). Money market instruments which are issued by financial institutions that have a rating of at least BBB3 by RAM or equivalent rating by MARC. Equities which include: Index stocks, defensive stocks and dividend stocks. Stocks of IPO companies seeking a listing in Eligible Markets. Unlisted equities. Collective investment schemes. Deposits Location of Assets Malaysia, China, Singapore, South Korea, Thailand, Taiwan, Indonesia, Hong Kong, Philippines and any other permitted markets where the regulatory authority is an ordinary or associate member of the IOSCO. Investment Approach Fixed income securities: Investments in fixed income securities will depend on economic growth, interest rate trends and market liquidity conditions. Equities: Bottom-up approach in stock selection process which relies on fundamental research where the financial health, industry prospects, management quality and past track records of companies are assessed. Although the fund is actively managed, the frequency of its trading strategy will very much depend on market opportunities.
Asset Allocation	The fund will invest primarily in fixed income securities and to a lesser extent inequities. The balance of the fund’s NAV will be invested in liquid assets which include money market instruments and deposits. If the outlook for the respective asset classes is unfavourable, the fixed income securities and/or equities exposure may be reduced while the exposure to liquid assets which includes money market instruments and deposits may be increased as a temporary defensive strategy.
Performance Benchmark	12-Month fixed deposit rate (12-MFD) 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* Age 55 and above if contribute under the default option** Notes: * Distribution (if any) will be automatically reinvested into the fund. ** Age group may be subject to changes as may be determined by the relevant authorities from time to time.

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

Public Mutual PRS Islamic Conservative Fund (PRS-ICVF)

Investment Objective	The fund seeks income consistent with capital preservation. Note: This is neither a capital guaranteed nor a capital protected fund. Any material changes to the investment objective of the fund would require members’ approval.
Fund Category	Core (Conservative)
Investment Strategy	PRS-ICVF seeks to achieve its objective by investing primarily in sukuk and to a lesser extent in Shariah-compliant equities. The balance of the fund’s NAV will be invested in Islamic liquid assets which include Islamic money market instruments, Islamic investment accounts and Islamic deposits. To achieve increased diversification, the fund may invest in both domestic and selected foreign markets. If the outlook for the respective asset classes is unfavourable, the sukuk and/or Shariah-compliant equities exposure may be reduced while the exposure to Islamic liquid assets which includes Islamic money market instruments, Islamic investment accounts and Islamic deposits may be increased as a temporary defensive strategy. Typical Asset Classes Sukuk which are rated at least BBB3/P2 by RAM Holdings Berhad (RAM) or equivalent rating by Malaysian Rating Corporation Berhad (MARC). Islamic money market instruments which are issued by financial institutions that have a rating of at least BBB3 by RAM or equivalent rating by MARC. Shariah-compliant equities which include: Shariah-compliant index stocks, Shariah-compliant defensive stocks and Shariah-compliant dividend stocks. Shariah-compliant stocks of IPO companies seeking a listing in Eligible Markets. Unlisted Shariah-compliant equities. Islamic collective investment schemes. Islamic investment accounts and Islamic deposits. Location of Assets Malaysia, China, Singapore, South Korea, Thailand, Taiwan, Indonesia, Hong Kong, Philippines and any other permitted markets where the regulatory authority is an ordinary or associate member of the IOSCO. Investment Approach Sukuk: Investments in sukuk will depend on economic growth, interest rate trends and market liquidity conditions. Shariah-compliant equities: Bottom-up approach in stock selection process which relies on fundamental research where the financial health, industry prospects, management quality and past track records of companies are assessed. Although the fund is actively managed, the frequency of its trading strategy will very much depend on market opportunities.
Asset allocation	The fund will invest primarily in sukuk and to a lesser extent in Shariah-compliant equities. The balance of the fund’s NAV will be invested in Islamic liquid assets which include Islamic money market instruments, Islamic investment accounts and Islamic deposits. If the outlook for the respective asset classes is unfavourable, the sukuk and/or Shariah-compliant equities exposure may be reduced while the exposure to Islamic liquid assets which includes Islamic money market instruments, Islamic investment accounts and Islamic deposits may be increased as a temporary defensive strategy.
Performance Benchmark	12-Month General Investment Account (GIA) rate 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 55 and above if contribute under the default option** Notes: * Distribution (if any) will be automatically reinvested into the fund. ** Age group may be subject to changes as may be determined by the relevant authorities from time to time.

Aged 45 years and below 55 years

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

Public Mutual PRS Moderate Fund (PRS-MDF)

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. Any material changes to the investment objective of the fund would require members’ approval.
Fund Category	Core (Moderate)
Investment Strategy	PRS-MDF seeks to achieve its objective by adopting a balanced asset allocation approach between equity and equity-related securities and fixed income securities with the balance of the fund’s NAV invested in liquid assets which include money market instruments and deposits. To achieve increased diversification, the fund may invest in both domestic and selected foreign markets. If the outlook for the respective asset classes is unfavourable, the equity and equity-related securities and/or fixed income securities exposure may be reduced while the exposure to liquid assets may be increased as a temporary defensive strategy. Typical Asset Classes Equity and equity-related securities, which include: Index stocks, dividend stocks and growth stocks. Stocks of IPO companies seeking a listing in Eligible Markets. Unlisted equities. Warrants (Up to 10% of NAV). Collective investment schemes. Fixed income securities. Liquid assets which include money market instruments and deposits. Location of Assets Malaysia, China, Singapore, South Korea, Thailand, Taiwan, Indonesia, Hong Kong, Philippines and any other permitted markets where the regulatory authority is an ordinary or associate member of the IOSCO. Investment Approach Equities and equity-related securities: Bottom-up approach in stock selection process which relies on fundamental research where the financial health, industry prospects, management quality and past track records of companies are assessed. Fixed income securities: Investments in fixed income securities will depend on economic growth, interest rate trends and market liquidity conditions. Although the fund is actively managed, the frequency of its trading strategy will very much depend on market opportunities.
Asset Allocation	The fund will adopt a balanced asset allocation approach between equity and equity related securities and fixed income securities. The balance of the fund’s NAV will be invested in liquid assets which include money market instruments and deposits. If the outlook for the respective asset classes is unfavourable, the equity and equity-related securities and/or fixed income securities exposure may be reduced while the exposure to liquid assets may be increased as a temporary defensive strategy.
Performance Benchmark	30% customised index by S&P Dow Jones Indices, LLC based on the top 30 constituents of the S&P BMI Asia Ex-Japan Index, 30% FTSE Bursa Malaysia KLCI and 40% 3- Month KLIBOR. 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 income* Age 45 to below 55 if contribute under the default option** Notes: * Distribution (if any) will be automatically reinvested into the fund. ** Age group may be subject to changes as may be determined by the relevant authorities from time to time.

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

Public Mutual PRS Islamic Moderate Fund (PRS-IMDF)

Investment Objective	The fund seeks income consistent with capital preservation. Note: This is neither a capital guaranteed nor a capital protected fund. Any material changes to the investment objective of the fund would require members’ approval.
Fund Category	Core (Moderate)
Investment Strategy	PRS-IMDF seeks to achieve its objective by adopting a balanced asset allocation approach between Shariah-compliant equity and Shariah-compliant equity-related securities and sukuk with the balance of the fund’s NAV invested in Islamic liquid assets which include Islamic money market instruments, Islamic investment accounts and Islamic deposits. To achieve increased diversification, the fund may invest in both domestic and selected foreign markets. If the outlook for the respective asset classes is unfavourable, the Shariah-compliant equity and Shariah-compliant equity-related securities and/or sukuk exposure may be reduced while the exposure to Islamic liquid assets may be increased as a temporary defensive strategy. Typical Asset Classes Shariah-compliant equity and Shariah-compliant equity-related securities, which include: Shariah-compliant index stocks, Shariah-compliant dividend stocks and Shariah-compliant growth stocks. Shariah-compliant stocks of IPO companies seeking a listing in Eligible Markets. Unlisted Shariah-compliant equities. Shariah-compliant warrants (Up to 10% of NAV). Islamic collective investment schemes. Sukuk. Islamic liquid assets which include Islamic money market instruments, Islamic investment accounts and Islamic deposits. Location of Assets Malaysia, China, Singapore, South Korea, Thailand, Taiwan, Indonesia, Hong Kong, Philippines and any other permitted markets where the regulatory authority is an ordinary or associate member of the IOSCO. Investment Approach Shariah-compliant equity and Shariah-compliant equity related securities: Bottom-up approach in stock selection process which relies on fundamental research where the financial health, industry prospects, management quality and past track records of companies are assessed. Sukuk: Investments in sukuk will depend on economic growth, interest rate trends and market liquidity conditions. Although the fund is actively managed, the frequency of its trading strategy will very much depend on market opportunities.
Asset Allocation	The fund will adopt a balanced asset allocation approach between Shariah-compliant equity and Shariah-compliant equity-related securities and sukuk. The balance of the fund’s NAV will be invested in Islamic liquid assets which include Islamic money market instruments, Islamic investment accounts and Islamic deposits. If the outlook for the respective asset classes is unfavourable, the Shariah-compliant equity and Shariah-compliant equity-related securities and/or sukuk exposure may be reduced while the exposure to Islamic liquid assets may be increased as a temporary defensive strategy.
Performance Benchmark	30% FTSE Bursa Malaysia Hijrah Shariah Index, 30% customised index by S&P Dow Jones Indices, LLC based on the 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 income* Age 45 to below 55 if contribute under the default option** Notes: * Distribution (if any) will be automatically reinvested into the fund. ** Age group may be subject to changes as may be determined by the relevant authorities from time to time.

Aged below 45 years

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

Public Mutual PRS Growth Fund (PRS-GRF)

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. Any material changes to the investment objective of the fund would require members’ approval.
Fund Category	Core (Growth)
Investment Strategy	PRS-GRF seeks to achieve its objective by investing primarily in equity and equity related securities with the balance of the fund’s Net Asset Value (NAV) invested in fixed income securities and liquid assets which include money market instruments and deposits. To achieve increased diversification, the fund may invest in both domestic and selected foreign markets. If the outlook for equity market is unfavourable, the equity and equity-related securities exposure may be reduced while the exposure to fixed income securities and/or liquid assets may be increased as a temporary defensive strategy. Typical Asset Classes Equity and equity-related securities, which include: Index stocks, dividend stocks and growth stocks. Stocks of IPO companies seeking a listing in Eligible Markets. Unlisted equities. Warrants (Up to 20% of NAV). Collective investment schemes. Fixed income securities. Liquid assets which include money market instruments and deposits. Location of Assets Malaysia, China, Singapore, South Korea, Thailand, Taiwan, Indonesia, Hong Kong, Philippines and any other permitted markets where the regulatory authority is an ordinary or associate member of the IOSCO. Investment Approach Equity and equity related securities: Bottom-up approach in stock selection process which relies on fundamental research where the financial health, industry prospects, management quality and past track records of companies are assessed. Fixed income securities and money market instruments: The asset allocation between fixed income securities and money market instruments will depend on economic growth, interest rate trends and market liquidity conditions. Although the fund is actively managed, the frequency of its trading strategy will very much depend on market opportunities.
Asset Allocation	The fund will invest primarily in equity and equity-related securities. The balance of the fund’s NAV will be invested in fixed income securities and liquid assets which include money market instruments and deposits. If the outlook for equity market is unfavourable, the equity and equity-related securities exposure may be reduced while the exposure to fixed income securities and/or liquid assets may be increased as a temporary defensive strategy.
Performance Benchmark	35% customised index by S&P Dow Jones Indices, LLC based on the top 30 constituents of the S&P BMI Asia Ex-Japan Index, 35% FTSE Bursa Malaysia KLCI 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 and to a lesser extent income* With at least 10 years to retirement Age below 45 if contribute under the default option** Notes: * Distribution (if any) will be automatically reinvested into the fund. ** Age group may be subject to changes as may be determined by the relevant authorities from

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

Public Mutual PRS Islamic Growth Fund (PRS-IGRF)

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. Any material changes to the investment objective of the fund would require members’ approval.
Fund Category	Core (Growth)
Investment Strategy	PRS-IMDF seeks to achieve its objective by adopting a balanced asset allocation approach between Shariah-compliant equity and Shariah-compliant equity-related securities and sukuk with the balance of the fund’s NAV invested in Islamic liquid assets which include Islamic money market instruments, Islamic investment accounts and Islamic deposits. To achieve increased diversification, the fund may invest in both domestic and selected foreign markets. If the outlook for the respective asset classes is unfavourable, the Shariah-compliant equity and Shariah-compliant equity-related securities and/or sukuk exposure may be reduced while the exposure to Islamic liquid assets may be increased as a temporary defensive strategy. Typical Asset Classes Shariah-compliant equity and Shariah-compliant equity-related securities, which include: Shariah-compliant index stocks, Shariah-compliant dividend stocks and Shariah-compliant growth stocks. Shariah-compliant stocks of IPO companies seeking a listing in Eligible Markets. Unlisted Shariah-compliant equities. Shariah-compliant warrants (Up to 20% of NAV). Islamic collective investment schemes. Sukuk. Islamic liquid assets which include Islamic money market instruments, Islamic investment accounts and Islamic deposits. Location of Assets Malaysia, China, Singapore, South Korea, Thailand, Taiwan, Indonesia, Hong Kong, Philippines and any other permitted markets where the regulatory authority is an ordinary or associate member of the IOSCO. Investment Approach Shariah-compliant equity and Shariah-compliant equity related securities: Bottom-up approach in stock selection process which relies on fundamental research where the financial health, industry prospects, management quality and past track records of companies are assessed. Sukuk and Islamic money market instruments: The asset allocation between sukuk and Islamic money market instruments will depend on economic growth, interest rate trends and market liquidity conditions. Although the fund is actively managed, the frequency of its trading strategy will very much depend on market opportunities.
Asset Allocation	The fund will invest primarily in Shariah-compliant equity and Shariah-compliant equity related securities. 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. If the outlook for equity market is unfavourable, the Shariah-compliant equity and Shariah-compliant equity-related securities exposure may be reduced while the exposure to sukuk and/or Islamic liquid assets may be increased as a temporary defensive strategy.
Performance Benchmark	35% FTSE Bursa Malaysia Hijrah Shariah Index, 35% customised index by S&P Dow Jones Indices, LLC based on the 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 and to a lesser extent income* With at least 10 years to retirement Age below 45 if contribute under the default option** Notes: * Distribution (if any) will be automatically reinvested into the fund. ** Age group may be subject to changes as may be determined by the relevant authorities from time to time

Other Self Selection

Public Mutual PRS Equity Fund (PRS-EQF)

Investment Objective	The fund seeks to achieve long-term capital growth. Note: Long-term refers to a period of more than 5 years. Any material changes to the investment objective of the fund would require members’ approval.
Fund Category	Equity
Investment Strategy	PRS-EQF seeks to achieve its objective by investing 75% to 98% of its Net Asset Value (NAV) in equity and equity-related securities 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. Typical Asset Classes Equity and equity-related securities, which include: Blue chip stocks, index stocks and growth stocks. Stocks of IPO companies seeking a listing in Eligible Markets. Unlisted equities. Warrants. Collective investment schemes. Fixed income securities. Liquid assets which include money market instruments and deposits. Location of Assets Malaysia Up to 30% of NAV may be invested in foreign markets which include: China, Indonesia, South Korea, Thailand, Japan, Philippines, Taiwan, Europe, Hong Kong, United States of America and Singapore. Any other permitted markets where the regulatory authority is an ordinary or associate member of the IOSCO. Investment Approach Equity and equity related securities: Bottom-up approach in stock selection process which relies on fundamental research where the financial health, industry prospects, management quality and past track records of companies are assessed. Fixed income securities and money market instruments: The asset allocation between fixed income securities and money market instruments will depend on economic growth, interest rate trends and market liquidity conditions. Although the fund is actively managed, the frequency of its trading strategy will very much depend on market opportunities.
Asset Allocation	Equity and equity-related securities	75% to 98% of the fund’s NAV
	The balance of the fund’s NAV may be invested in fixed income securities and liquid assets. If the outlook for equity market is unfavourable, the equity and equity-related securities exposure may be reduced to below the range indicated above while the exposure to fixed income securities and liquid assets may be increased as a temporary defensive strategy.
	Foreign assets	Up to 30% of the fund’s NAV
Performance Benchmark	90% FTSE Bursa Malaysia KLCI and 10% 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

Public Mutual PRS Strategic Equity Fund (PRS-SEQF)

Investment Objective	The fund seeks to achieve long-term capital growth. Note: Long-term refers to a period of more than 5 years. Any material changes to the investment objective of the fund would require members’ approval.
Fund Category	Equity
Investment Strategy	PRS-SEQF seeks to achieve its objective by investing 75% to 98% of its Net Asset Value (NAV) in equity and equity-related securities 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. Typical Asset Classes Equity and equity-related securities, which include: Blue chip stocks, index stocks and growth stocks. Stocks of IPO companies seeking a listing in Eligible Markets. Unlisted equities. Warrants. Collective investment schemes. Fixed income securities. Liquid assets which include money market instruments and deposit Location of Assets China, Singapore, South Korea, Indonesia, Japan, Thailand, Taiwan, Philippines, Hong Kong, Europe, Malaysia, United States of America and any other permitted markets where the regulatory authority is an ordinary or associate member of the IOSCO. Investment Approach Equity and equity related securities: Bottom-up approach in stock selection process which relies on fundamental research where the financial health, industry prospects, management quality and past track records of companies are assessed. Fixed income securities and money market instruments: The asset allocation between fixed income securities and money market instruments will depend on economic growth, interest rate trends and market liquidity conditions. Although the fund is actively managed, the frequency of its trading strategy will very much depend on market opportunities.
Asset Allocation	Equity and equity related securities	75% to 98% of the fund’s NAV
	The balance of the fund’s NAV may be invested in fixed income securities and liquid assets. If the outlook for equity market is unfavourable, the equity and equity-related securities exposure may be reduced to below the range indicated above while the exposure to fixed income securities and liquid assets may be increased as a temporary defensive strategy.
	Foreign assets	Up to 98% of the fund’s NAV
Performance Benchmark	50% FTSE Bursa Malaysia KLCI, 40% customised index by S&P Dow Jones Indices, LLC based on the top 30 constituents of the S&P BMI Asia Ex-Japan Index and 10% 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

Public Mutual PRS Islamic Strategic Equity Fund (PRS-ISEQF)

Investment Objective	The fund seeks to achieve long-term capital growth. Note: Long-term refers to a period of more than 5 years. Any material changes to the investment objective of the fund would require members’ approval.
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 equity and Shariah-compliant equity-related securities and Islamic collective investment schemes which comprises a diversified portfolio of Shariah-compliant blue chip stocks, Shariah-compliant index stocks and Shariah-compliant 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. Typical Asset Classes Shariah-compliant equity and Shariah-compliant equity-related securities, which include: Shariah-compliant blue chip stocks, Shariah-compliant index stocks and Shariah-compliant growth stocks. Shariah-compliant stocks of IPO companies seeking a listing in Eligible Markets. Unlisted Shariah-compliant equities. Shariah-compliant warrants. Islamic collective investment schemes. Sukuk. Islamic liquid assets which include Islamic money market instruments, Islamic investment accounts and Islamic deposits. Location of Assets China, Singapore, South Korea, Indonesia, Japan, Thailand, Taiwan, Philippines, Hong Kong, Europe, Malaysia, United States of America and any other permitted markets where the regulatory authority is an ordinary or associate member of the IOSCO. Investment Approach Shariah-compliant equity and Shariah-compliant equity related securities: Bottom-up approach in stock selection process which relies on fundamental research where the financial health, industry prospects, management quality and past track records of companies are assessed. Sukuk and Islamic money market instruments: The asset allocation between sukuk and Islamic money market instruments will depend on economic growth, interest rate trends and market liquidity conditions. Although the fund is actively managed, the frequency of its trading strategy will very much depend on market opportunities.
Asset Allocation	Shariah-compliant equity and Shariah-compliant equity-related securities	75% to 98% of the fund’s NAV
	The balance of the fund’s NAV may be invested in sukuk and Islamic liquid assets. If the outlook for equity market is unfavourable, the Shariah-compliant equity and Shariah-compliant equity-related securities exposure may be reduced to below the range indicated above while the exposure to sukuk and Islamic liquid assets may be increased as a temporary defensive strategy.
	Shariah-compliant foreign assets	Up to 98% of the fund’s NAV
Performance Benchmark	50% FTSE Bursa Malaysia Hijrah Shariah Index, 40% customised index by S&P Dow Jones Indices, LLC based on the top 100 constituents by market capitalisation of the S&P Shariah BMI Asia Ex-Japan Index and 10% 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

CONTRIBUTIONS & WITHDRAWALS

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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
Minimum contribution	Initial contribution	Lump sum contribution : RM100*
	Initial contribution	Direct Debit Instruction (DDI): RM100
	Subsequent contribution	Lump sum contribution : RM100*
	Subsequent contribution	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

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

	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.

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.

RISKS DISCLOSURE

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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 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
Specific security risk
Currency risk
Country risk
Liquidity risk
Interest rate risk
Credit risk
Risk associated with investments in warrants

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
Specific security risk
Currency risk
Country risk
Liquidity risk
Interest rate risk
Credit risk
Risk associated with investments in Shariah-complaint warrants
Risk of non-compliance with Shariah requirements

OTHERS

FUND INVESTMENT PERFORMANCE

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

DISTRIBUTION CHANNELS

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)
Menara Public Bank 2
78, Jalan Raja Chulan
50200 Kuala Lumpur
Tel: 603-2022 6800
Hotline: 603-2022 5000
Fax: 603-2022 6900
Email: customer@publicmutual.com.my
Web: https://www.publicmutual.com.my

PRS Providers & Schemes

PUBLIC MUTUAL BERHAD

Default & Self Selection

Aged 55 years & above

Aged 45 years and below 55 years

Aged below 45 years

Aged 55 years & above

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

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

Aged 45 years and below 55 years

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

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

Aged below 45 years

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

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

Other Self Selection

General Investment Risks

Specific Risks of the Funds

Public Mutual Private Retirement Scheme – Conventional Series

Public Mutual Private Retirement Scheme – Shariah-based Series