What is Unit Trust?

• Unit Trust is a form of collective investment scheme that allows investors with
similar investment objectives to pool their funds together.
• These funds will be invested by professional fund managers in a portfolio of
securities according to the fund’s objective and investment strategy.

Public Mutual offers a wide range of unit trust funds to meet various investors’
needs.

The Benefits of Investing in Unit Trusts:

• Professional fund management.

• Diversification to minimise risk and volatility.
• Competitive returns in the forms of capital gains and/or distributions.
• A liquid investment.
• Ease of transactions. Buy or sell investments with minimum hassle.
• Wide investment exposure to various asset classes and/or countries.
• Regulated by the Securities Commission (SC) Malaysia to protect the interest
of investors.
• Enjoy the advantages of compounding.

Power of Compounding

The Benefits of Starting Early

The earlier you start investing the greater the accumulated returns on your original
investment due to the compound yield.

<graph>

Ms. Alia – Starts investing at age 26

Mdm. Ho – Starts investing at age 36
By starting 10 years earlier, the investment value of Ms. Alia could grow 137% more
than the investment value of Mdm. Ho.
 Name Ms Alia Mdm Ho
Start Age 26 36
Investment period (years) 20
Compounding period (years) 30
Yearly investment (RM) 10,000 10,000
Total amount invested (RM) 200,000 200,000
Total investment value* at age 1,320,149 557,645
55 (RM)
*Assuming unit trust rate of return is constant at 9% per annum. This is only an illustration and does
not indicate the past or future performance of any specific unit trust fund.

How to Invest?

1. Lump Sum Investment

Start investing from as low as RM1,000 and top it up with a minimum of
RM100 only.

2. Direct Debit Instruction (DDI)

Capitalise on the Ringgit-Cost Averaging (RCA) principle by setting up a DDI
with Public Mutual. This can be done via Public Mutual Online or by visiting
the nearest Public Mutual Branch/Customer Service Centre or Public Bank
branch.

3. EPF Members Investment Scheme (EPF-MIS)

Invest in EPF-qualified funds via EPF-MIS. Investment will be transacted
directly from your EPF Account 1.

For more information on DDI and EPF-MIS, please refer to the RCA and EPF-
MIS brochures.

Public Mutual – Your Investment Partner

Industry Leader

No. 1* in unit trust and Private Retirement Scheme (PRS) in Malaysia with a total
fund size of RM65.8 billionb.

Command a market share of 49.6%b for the retail funds sector and 42.7%b for the PRS
sector.

Manage funds for over 3.2 million accountholders.

Solid Brand

Winner of the Reader’s Digest Trusted Brand Platinum Award 2015.

Received The BrandLaureate Platinum Best Brands Award 2014-2015 and Special
Edition World Award 2015.

These awards bear testimony to the trust and confidence of investors in Public Mutual.

Extensive Distribution Channel

Public Mutual has the largest agency force in the entire private unit trust industry.

Supported by 32 Branches/Customer Service Centres and more than 250 Public Bank
branches nationwide.

Vast Experience

Public Mutual has a wealth of more than 30 years of experience in fund management.

Wide Range of Funds

Public Mutual offers more than 100 Conventional and Shariah-based Funds to meet
your investment needs.

Monitor Funds and Transactions with Ease

Public Mutual provides you with a fast and convenient way to monitor the
performance of your funds via its Public Mutual Online (PMO) platform.

You can also invest and perform transactions with ease anytime, anywhere.

* In terms of total fund size managed amongst private unit trust companies and PRS providers in
Malaysia. Source: The Edge-Lipper, 11 April 2016.
b
As at end-February 2016. Source: The Edge-Lipper, 11 April 2016.

Get in Touch With Us

• Contact your Public Mutual Unit Trust Consultant.

• Visit any Public Mutual Branch/Customer Service Centre.
• Call Public Mutual’s Customer Service Hotline: 03-6207 5000 (Kuala Lumpur),
04-3055 000 (Penang), 05-2105 000 (Ipoh), 07-3607 500 (Johor Bahru), 09-
5118 500 (Kuantan) and 06-6372 500 (Seremban) during normal working
hours.
• Visit our website: www.publicmutual.com.my.