HSBC Amanah LifeSelect Fixed Income Fund Fund Fact Sheet February 2015
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1 HSBC Amanah LifeSelect Fixed Income Fund Fund Fact Sheet February 2015
2 Investment Objective HSBC Amanah LifeSelect Fixed Income Fund aims to achieve a steady return in medium to long term by investing in a portfolio of Malaysian Islamic debt securities and money market instruments. The Fund also aims for some degree of capital stability Top Ten Core Equity Holdings % of NAV AmIslamic Bank Bhd 6.03 TSH Sukuk Ijarah Sdn Bhd 4.81 TSH Sukuk Ijarah Sdn Bhd 4.81 Anih Bhd 3.08 Bumitama Agri Limited 3.07 BGSM Management Sdn Bhd 3.04 Malakoff Power Bhd 3.03 RHB Islamic Bank Bhd 3.03 Tanjung Bin Energy Bhd 3.03 Kesas Sdn Bhd 3.02 Asset Allocation Performance Table Performance 5 Years 01/03/10 to 28/02/15 HSBC Amanah LifeSelect Fixed Income Fund* Maybank GIA Tier II 12-Month Rate 15.14% 16.59% Unquoted Sukuk 81.20% 6 Months 01/09/14 to 28/02/15 Source: Pacific Mutual Fund Bhd Basis of calculation: Time-weighted rate of return Composite Benchmark - from 12/06/08 to 27/06/13 : FBMS - 28/06/13 onwards : Maybank GIA Tier II 12-Month (%) 1.38% 1.62% Islamic Money Market Instruments 18.80%
3 Market Review, Outlook & Strategy US Treasuries weakened during February as yields surged and the curve steepened. Players priced in an earlier Federal fund rate hike later this year, along with recent strong US data, and the deal to extend Greece s bailout programme. Nevertheless, the market reversed some losses by mid-month with the release of weaker inflation and fourth quarter 2014 GDP data. Market reaction were mixed on Janet Yellen s statement, as she guided that the Federal Reserve will begin to normalise interest rates in anticipation of acceleration in inflation and growth. Also pressuring downward movement in UST yields was the dip in European yields ahead of the European Cental Bank s (ECB) first round of bond purchases beginning in March. The 10-year treasury closed the month at 1.99% while the 30-year advanced to 2.59%. The MGS market closed the month with mixed results as the longer end reversed some early losses while the shorter end showed gains. The MGS curve steepened as the 3-year and 10-year spread widened to 44 basis points from 30 basis points. The 10-year MGS closed slightly higher at 3.87%. Few players were pricing in a rate cut by Bank Negara, while higher crude prices added to the sentiment. Global crude recovered from the low in January, improving the outlook on government s budget challenges. The Ringgit remained under pressure from foreign outflows but recovered from the month s low point. Bonds got a shot in arm from positive economic data, as Malaysia s fourth quarter 2014 GDP came in stronger-than-expected at 5.8% year-on-year, while full year GDP growth was at 6.0%. The growth was mainly contributed by household consumption, total investment, and exports. The lower crude prices contributed to the weak inflation during the month which came in below consensus. Malaysia s current account surplus narrowed to RM6.1 billion or 2.2% of GDP in the fourth quarter of 2014 from RM7.6 billion or 2.8% of GDP in the third quarter. Demand for new 5-year GII was strong at bid cover of 3.015x on a size of RM4.0 billion. Foreign shareholding of MGS rose in January to RM146.7 billion from RM billion, but fell in terms of percentage of total MGS outstanding, to 43.8% from 44.1% due to higher base effect.
4 Manager s Comments The fixed income allocation of Pacific Dana Murni was almost unchanged at 81.20% as at end February 2015 as compared to 81.38% previously due to stable fund flows and muted investment activities. Bond valuation held steady during the period as the market steadied after a mild selloff in early January. The Fund maintains its stance of holding to corporate credits given the favourable spread. However, given the quiet primary market and the Lunar New Year season, overall portfolio levels held steady during the period. Risk The investment risks associated to the investment are described in Product Disclosure Sheet. If you have any queries, you are advised to consult your professional adviser before making a commitment to invest. In the event that you choose not to seek advice from a professional investment adviser, you should consider whether this investment is suitable based on your risk appetite, investment experience and objectives. Other Information You may refer to the Product Disclosure Sheet for the basis and frequency of valuing assets underlying of the fund, Annual Fund Management Fee and other charges related to the fund.. The HSBC Amanah LifeSelect Fixed Income Fund is managed by HSBC Amanah Takaful (Malaysia) Berhad. This material is prepared strictly for information only. Information provided herein including any expression of opinion or forecast has been obtained from or is based on sources believed by us to be reliable, but is not guaranteed as to accuracy or completeness. The information is given without obligation and on understanding that any person who acts upon it or changes his/her position in reliance thereon does so entirely at his/her own risk. Past performance figures shown are not indicative of future performance.
5 HSBC Amanah LifeSelect Fixed Income Fund Fund Fact Sheet Februari 2015
6 Objektif Pelaburan Dana Pendapatan Tetap HSBC Amanah LifeSelect bermatlamat mencapai pulangan stabil dalam jangka sederhana hingga panjang dengan melabur dalam portfolio sekuriti hutang dan instrumen pasaran wang Islam Malaysia. Dana ini juga bermatlamat mengekalkan kestabilan modal. Prestasi Sejak Pelancaran* Senarai 10 Pegangan Ekuiti Yang Terbesar % NAB AmIslamic Bank Bhd 6.03 TSH Sukuk Ijarah Sdn Bhd 4.81 TSH Sukuk Ijarah Sdn Bhd 4.81 Anih Bhd 3.08 Bumitama Agri Limited 3.07 BGSM Management Sdn Bhd 3.04 Malakoff Power Bhd 3.03 RHB Islamic Bank Bhd 3.03 Tanjung Bin Energy Bhd 3.03 Kesas Sdn Bhd 3.02 Jadual Prestasi Peruntukan Aset Prestasi 5 Tahun 01/03/2010 hingga 28/02/2015 Dana Pendapatan Tetap HSBC Amanah LifeSelect Maybank GIA Tier II Kadar 12 Bulan 15.14% 16.59% Sukuk Tidak Disebutharga 81.20% 6 Bulan 01/09/2014 hingga 28/02/2015 Sumber: Pacific Mutual Fund Bhd Asas pengiraan: Kadar nilai pulangan Penanda aras komposit - 12/06/08 hingga 27/06/13 : FBMS - 28/06/13 dan seterusnya : Maybank GIA Tier II 12-Month (%) 1.38% 1.62% Instrumen Pasaran Wang Islam 18.80%
7 Tinjauan, Pandangan dan Strategi Pasaran Ekuiti Treasuries AS lemah pada bulan Februari apabila kadar hasil melonjak dan keluk semakin curam. Pelabur telah mengambil kira kenaikan kadar hasil dana Federal yang akan dilaksanakan lebih awal tahun ini, bersama-sama dengan data AS baru-baru ini yang kukuh, dan perjanjian untuk melanjutkan program bantuan untuk Greece. Walau bagaimanapun, pasaran telah menebus sedikit kerugian pada pertengahan bulan dengan pengumuman kadar inflasi yang lebih lemah dan data KDNK suku keempat Reaksi pasaran adalah bercampur-campur pada kenyataan Janet Yellen, apabila beliau memberi petunjuk bahawa Federal Reserve akan mula menormalkan kadar faedah pada jangkaan pecutan inflasi dan pertumbuhan. Faktor yang juga mendesak penurunan kadar hasil UST adalah penurunan tajam dalam kadar hasil Eropah menjelang pusingan pertama pembelian bon European Central Bank (ECB) yang bermula pada bulan Mac. Treasury 10-tahun mengakhiri bulan pada 1.99% manakala Treasury 30-tahun meningkat ke 2.59%. Pasaran MGS mengakhiri bulan bercampur-campur dengan pelaburan tempoh panjang menebus kerugian awal manakala pelaburan tempoh pendek menghasilkan keuntungan. Keluk MGS semakin curam apabila jurang di antara kadar hasil pelaburan 3-tahun dan 10-tahun semakin melebar ke 44 mata asas dari 30 mata asas. MGS 10-tahun ditutup lebih tinggi sedikit pada 3.87%. Segelintir pelabur mengambilkira potongan kadar oleh Bank Negara, manakala harga minyak mentah yang lebih tinggi terus menjejas sentimen. Harga minyak mentah global pulih dari tahap rendah pada bulan Januari, dan ini mencerahkan prospek menghadapi cabaran bajet kerajaan. Matawang Ringgit kekal tertekan dari aliran keluar pelabur asing dan kembali dari tahap rendah bulan ini. Pasaran bon mendapat galakan dari data ekonomi yang positif, apabila KDNK Malaysia untuk suku keempat 2014 lebih kukuh dari jangkaan pada 5.8% tahun-ke-tahun, manakala pertumbuhan KDNK setahun penuh adalah pada kadar 6.0%. Pertumbuhan ini disumbangkan terutamanya oleh penggunaan isi rumah, jumlah pelaburan dan eksport. Harga minyak mentah yang lebih rendah mengakibatkan kadar inflasi lemah pada bulan ditinjau, dan lebih rendah dari konsensus. Lebihan akaun semasa Malaysia jatuh ke RM6.1 bilion atau 2.2% dari KDNK pada suku keempat tahun 2014 dari RM7.6 bilion atau 2.8% dari KDNK pada suku ketiga. Permintaan untuk GII 5-tahun yang baru adalah kukuh dengan kadar nisbah permintaan tawaran pada 3.015x dengan saiz sebanyak RM4.0 bilion. Pegangan MGS oleh pelabur asing meningkat pada bulan Januari ke RM146.7 bilion dari RM bilion, tetapi jatuh dari segi peratusan dari jumlah baki MGS, ke 43.8% dari 44.1% disebabkan oleh kesan asas yang lebih tinggi.
8 Ulasan Pengurus Pegangan pelaburan pendapatan tetap Pacific Dana Murni hampir tidak berubah pada 81.20% pada akhir bulan Februari 2015 berbanding dengan 81.38% sebelum ini berikutan aliran dana yang stabil dan aktiviti pelaburan yang kurang aktif. Penilaian bon stabil dalam tempoh yang dikaji apabila pasaran menjadi stabil selepas aktiviti jualan sederhana dalam pasaran pada awal bulan Januari. Dana mengekalkan pendirian memegang pada kredit korporat berasaskan perbezaan kadar hasil yang menggalakkan. Walau bagaimanapun, memandangkan pasaran utama yang tenang dan musim Tahun Baru Cina, tahap keseluruhan portfolio kekal stabil dalam tempoh dikaji. Risiko Risiko pelaburan yang dikaitkan dengan pelaburan dinyatakan dalam Lembaran Pendedahan Produk. Sekiranya anda mempunyai apa-apa kemusykilan, anda dinasihatkan agar berunding dengan penasihat profesional sebelum membuat komitmen untuk melabur. Sekiranya anda membuat keputusan untuk tidak mendapatkan khidmat penasihat pelaburan profesional, anda perlu mempertimbangkan sama ada pelaburan ini sesuai berasaskan toleransi risiko, pengalaman pelaburan dan objektif anda. Maklumat Lain Anda boleh merujuk kepada Lembaran Pendedahan Produk untuk meneliti asas dan kekerapan penilaian aset dana, Yuran Pengurusan Dana tahunan dan caj lain yang berkaitan dengan dana. Dana Ekuiti HSBC Amanah LifeSelect diuruskan oleh HSBC Amanah Takaful (Malaysia) Berhad. Bahan ini disediakan khusus sebagai maklumat sahaja. Maklumat yang terkandung di dalam ini, termasuk sebarang pernyataan pendapat atau ramalan, telah diperolehi dan berasaskan sumber yang kami yakin boleh dipercayai, tetapi tidak djamin ketepatan atau kelengkapannya. Maklumat ini diberikan tanpa sebarang kewajipan dan berasaskan kefahaman bahawa sesiapa yang bertindak ke atasnya atau bertukar pelaburan berasaskan maklumat ini berbuat demikian atas risiko sendiri. Angka prestasi masa lalu yang ditunjukkan bukan petunjuk prestasi masa depan.
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