Public Mutual Private Retirement Scheme Conventional Series. Public Mutual PRS Equity Fund

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1 Public Mutual Private Retirement Scheme Conventional Series Public Mutual PRS Equity Fund RESPONSIBILITY STATEMENTS This Product Highlights Sheet has been reviewed and approved by the directors of Public Mutual Berhad and they have collectively and individually accept full responsibility for the accuracy of the information. Having made all reasonable enquiries, they confirm to the best of their knowledge and belief, that there are no false or misleading statements, or omission of other facts which would make any statement in the Product Highlights Sheet false or misleading. STATEMENTS OF DISCLAIMER The Securities Commission Malaysia has approved the Public Mutual Private Retirement Scheme Conventional Series and authorised the Public Mutual PRS Equity Fund, and a copy of this Product Highlights Sheet has been lodged with the Securities Commission Malaysia. The approval and authorisation, as well as the lodgement of this Product Highlights Sheet, should not be taken to indicate that the Securities Commission Malaysia recommends the Public Mutual Private Retirement Scheme Conventional Series or Public Mutual PRS Equity Fund, or assumes responsibility for the correctness of any statement made or opinion or report expressed in this Product Highlights Sheet. The Securities Commission Malaysia is not liable for any non-disclosure on the part of Public Mutual Berhad, the private retirement scheme provider responsible for the Public Mutual Private Retirement Scheme Conventional Series and Public Mutual PRS Equity Fund, and takes no responsibility for the contents of this Product Highlights Sheet. The Securities Commission Malaysia makes no representation on the accuracy or completeness of this Product Highlights Sheet, and expressly disclaims any liability whatsoever arising from, or in reliance upon, the whole or any part of its contents. 1

2 Public Mutual Private Retirement Scheme Conventional Series (the Scheme ) This Product Highlights Sheet is an important document. It is a summary of the salient information about the Scheme and Public Mutual PRS Equity Fund. You must not contribute to the Scheme based on this Product Highlights Sheet alone. Please read the Scheme s disclosure document before deciding to make a contribution. If you do not have a copy, please contact us to ask for one. You should not contribute to the Scheme if you do not understand it or are not comfortable with the accompanying risks. What is the Public Mutual Private Retirement Scheme (PRS) Conventional Series? Public Mutual PRS Conventional Series is a private retirement scheme offered to the public for the purpose of building up long-term savings* for retirement. * Funds under PRS are neither capital guaranteed nor capital protected funds. The Scheme consists of the following funds: Core Funds Non-Core Funds Public Mutual PRS Growth Fund (PRS-GRF) Public Mutual PRS Moderate Fund (PRS-MDF) Public Mutual PRS Conservative Fund (PRS-CVF) Public Mutual PRS Equity Fund (PRS-EQF) Public Mutual PRS Strategic Equity Fund (PRS-SEQF) This Product Highlights Sheet only provides information on the Public Mutual PRS Equity Fund. The trustee of the Scheme is AmanahRaya Trustees Berhad. What are the benefits of contributing to the Scheme? Diversification Your contributions will be pooled for the purchase of a diversified portfolio of stocks and/or fixed income securities that will bring returns at lower risks compared with investing directly in stock and/or fixed income securities markets. Professional management The funds are managed by professional fund managers with the expertise and resources to manage the assets of the funds. Ease of transactions The funds do not require cumbersome administrative or paperwork or record keeping on your part in managing your investments. Enjoy personal tax relief You are allowed to claim a tax relief on the amount of contribution made to the funds subject to a maximum of RM3,000 per annum (or any other amount as may be determined by the relevant authorities from time to time). 2

3 Income of the fund is exempt from Malaysian income tax Since income of the funds is exempt from Malaysian income tax, the income* distributed from the funds to you should be exempted from Malaysian income tax as well. * Distribution (if any) will be automatically reinvested into the fund. Tax deduction for employers on contribution made Employers who make contributions to the funds on behalf of their employees, are allowed to claim tax deduction against their business income on the contribution made. The allowable tax deduction is, together with the contribution made to any other approved scheme [such as Employees Provident Fund (EPF)], restricted to 19% of the employees remuneration. How does the Scheme work? You can select to contribute under the default option or non-default option as explained below: Your contribu on under the default op on will be automa cally allocated to the core fund that corresponds to the age group as specified below: Default option Core Funds Age Group* PRS-GRF Age below 40 PRS-MDF Age 40 to below 50 PRS-CVF Age 50 and above * The age group may be subject to changes as may be determined by the relevant authori es from me to me. If you make your first contribu on to the Scheme a month before you reach the age of 40 or 50, as the case may be, your contribu on will be allocated to PRS- MDF or PRS-CVF as the case may be. Unless otherwise instructed, your contribu on will be automa cally switched (without charge) into the relevant core fund, before the end of the next calendar month from the day you a ain the age as specified in the table above. Nondefault option You can ac vely select one or more funds regardless of your age. Where an employer makes a contribu on on behalf of an employee whether subject to a ves ng schedule or otherwise: - The choice of funds under the Scheme (including the right to switch to another fund) is to be made by the employee. - If an employee does not make a fund selec on, the default op on applies. Vested units are maintained in two separate sub-accounts by the PRS Provider as follows: i. Sub-account A - holds 70% of all contributions made, reflected in units; and ii. Sub-account B - holds 30% of all contributions made, reflected in units. Cooling-off Right Applicable for first time contributors to a PRS. Your request must be submitted to your nearest Public Mutual Berhad branch office or Public Mutual Berhad Head Office within 6 Business Days from the date of receipt of the application form and payment by Public Mutual Berhad. 3

4 Full refund will be paid within 10 days from the date of receipt of the request by Public Mutual Berhad and authorised by PPA. The refund for every unit held will be the sum of the price of a unit on the day the units were purchased and the sales charge imposed (and GST) on the day the units were purchased. Once you have exercised the cooling-off right, the cooling-off right is no longer available for any subsequent contributions to that PRS or other PRS. Staff of the PRS Provider and persons registered to deal in PRS are not entitled to the cooling-off right. Withdrawal of units Minimum units for withdrawal: 1,000 units. Withdrawal upon retirement: Withdrawals from the fund can be made in part or in full. You can execute your withdrawal request by completing and submitting the withdrawal request form on any Business Day to your nearest Public Mutual Berhad branch office or Public Mutual Berhad Head Office. Your withdrawal proceeds will be paid within 10 days from our receipt of your request. Pre-retirement withdrawal: Pre-retirement withdrawals can be made for the following reasons: i. Death of member (withdrawals must be made in full); ii. Permanent departure of a member from Malaysia (withdrawals must be made in full); or iii. Withdrawal of accrued benefits from sub-account B (withdrawals can be made in part or in full). Withdrawals from sub-account B can be requested (from one or multiple funds under the Scheme) once per calendar year, provided that no withdrawal can be made from the Scheme where you have been a member of the Scheme for less than a year. First pre-retirement withdrawal request from sub-account B can be made only one year after your first contribution to any fund under the Scheme. You can execute your withdrawal request by completing and submitting the withdrawal request form on any Business Day to your nearest Public Mutual Berhad branch office or Public Mutual Berhad Head Office. Your withdrawal proceeds will be paid within 10 days from our receipt of your request. If the pre-retirement withdrawal is due to death of a member, the request form will be submitted to PPA. Upon receiving the authorisation from the PPA, the request will be processed and proceeds paid to the trustee, executor or administrator of the deceased member within 10 days. A tax penalty of 8% will be deducted from the pre-retirement withdrawal proceeds. The tax penalty does not apply to pre-retirement withdrawals due to death or permanent departure from Malaysia. Members who hold conditionally vested units are not permitted to request for a withdrawal of such units. Switching between funds within the Scheme and funds under the Public Mutual PRS Shariah-based Series Minimum units for switching: 1,000 units. Switching between funds within the Scheme and funds under the Public Mutual PRS Shariahbased Series can be requested via one application to Public Mutual Berhad, once per calendar year. First switching request can be made only one year after your first contribution to any Public Mutual PRS fund. You can execute your switching request via PMO or by completing and submitting the switching form to your nearest Public Mutual Berhad branch office or Public Mutual Berhad Head Office. The PRS Provider has the discretion to vary the terms and conditions of switching from time to time. Please contact our Customer Service Hotline for the latest terms and conditions on switching. 4

5 Transfer of vested units to another PRS provider Transfer of vested units to another PRS provider can be requested (from one or multiple funds under the Scheme) once per calendar year provided: i. you have been a member under the Scheme (whether via member contribution or employer contribution) for at least one year; and ii. the transfer of accrued benefits are (a) from one or more funds to one or more funds of another PRS provider on a one-to-one equivalence; or (b) from multiple funds into one fund. (Transfer of accrued benefits from one fund to multiple funds of another PRS provider is not permitted) First transfer request from any fund under the Scheme can be made only one year after your first contribution to any fund under the Scheme. You can execute your transfer request by completing and submitting the transfer request form to the transferee PRS Provider who will then forward the request form to PPA. Upon receiving the completed transfer form from the PPA, the PRS Provider will process and remit the net transfer proceeds to the transferee PRS provider within 5 Business Days. Members who hold conditionally vested units are not permitted to request for a transfer of such units to another PRS provider. Minimum account balance (applicable for post-retirement only) Minimum balance of 1,000 units must be maintained at all times to stay invested with the fund. If partial redemption (through withdrawal or switching) of units result in less than 1,000 units being held in your account with the fund, the PRS Provider may redeem the entire account. Notes: Business Day refers to each weekday in which Bursa Malaysia Securities Berhad (Bursa Securities) is open for dealing. Vested unit means a unit which accords a member with unconditional entitlement to such unit. Conditionally vested unit means a unit which accords a member with entitlement to the unit that is conditional upon fulfillment of condition(s) stipulated in a vesting schedule. Vesting schedule refers to a schedule that determines the entitlement of an employee s accrued benefits based on terms of service. 5

6 What is the Public Mutual PRS Equity Fund? Public Mutual PRS Equity Fund (PRS-EQF) Investment Objective The fund seeks to achieve long-term capital growth. Fund Category Investment Strategy Note: Long-term refers to a period of more than 5 years. Equity PRS-EQF seeks to achieve its objective by investing 75% to 98% of its Net Asset Value (NAV) in equities 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. Asset Allocation Equities 75% to 98% of NAV Fixed income securities and liquid assets Up to 25% of NAV 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 What are the risks? General investment risks Capital and returns not guaranteed The fund is exposed to a variety of risks by nature of the investments it is engaged in. As such, the fund does not provide a guarantee on capital contributed nor does it guarantee a fixed rate return. Market risk Market risk refers to the possibility that an investment will lose value because of a general decline in financial markets, due to economic, political and/or other factors, which will result in a decline in the fund s NAV. Manager risk This risk refers to the day-to-day management of the fund by the fund manager which will impact the performance of the fund. For example, investment decisions undertaken by the fund manager pertaining to asset allocation and stock selection which may not be in line with market movements, or non-conformance with regulations and internal policies and procedures, may adversely affect the performance of the fund. Inflation risk Inflation risk refers to the loss in purchasing power of your investment returns due to a general increase in prices of goods and services. If the returns from your investments do not keep pace with the inflation rate, the real rate of returns from these investments will be impacted. Legal and regulatory risk Changes in laws and regulations in the countries that the fund is invested in may impact the investments of the fund. Apart from this, there is also the risk that changes in laws/regulations/ guidelines relating to private retirement schemes could affect your account or accessibility to the monies in the account. 6

7 Risk associated with the default option Under the default option, your contribution will be automatically switched (regardless of NAV movement trends) into the relevant core fund upon reaching the prescribed age. At the point of switching, the unit price may be lower than the price you paid when you contributed into the fund, and as such, you will incur losses. Risks specific to PRS-EQF The principal risks relating to the fund are as follows: Market risk Market risk refers to the possibility that an investment will lose value because of a general decline in financial markets, due to economic, political and/or other factors, which will result in a decline in the fund s NAV. Specific security risk Prices of a particular security may fluctuate in response to the circumstances affecting individual companies. As such, adverse price movements of a particular security invested by the fund may adversely affect the fund s NAV and unit price. Liquidity risk Liquidity risk refers to the ease of liquidating an asset depending on the asset s volume traded in the market. If the fund holds assets that are illiquid, or are difficult to dispose of, the value of the fund will be negatively affected when it has to sell such assets at unfavourable prices. You are advised to read the disclosure document and understand the risks involved and, if necessary, consult your professional adviser before making contributions. What are the fees and charges? There are fees and charges involved and you are advised to consider them before contributing to the Scheme. What will I be charged by Public Mutual Berhad? Charges Sales charge Redemption charge Switching fee (between funds in this Scheme) Switching fee (between funds in another PRS managed by Public Mutual) Transfer fee (to another PRS provider) Up to 3.0% of NAV per unit. % / RM Example: For every contribution of RM1,000, you will be charged RM30 i.e. RM1,000 x 3.0% sales charge. The PRS Provider may, at its discretion, charge a lower sales charge based on criterion as may be determined from time to time. Nil. Nil. Nil. RM25 for each transfer request. 7

8 What will I be charged by the Private Pension Administrator (PPA)? Charges PPA account opening fee PPA annual fee RM10 (one off) RM8 per annum. RM This fee is not payable for the year the account is opened and not payable for the year(s) where no contributions are made. What are the key ongoing fees charged to a fund? Fees Management fee Trustee fee PPA administration fee 1.60% per annum of the NAV. % / RM 0.04% per annum of NAV, subject to a maximum fee of RM600,000 per annum. 0.04% per annum of the NAV. Example Assuming the amount you have in your account for a particular fund is RM50,000, the fees that will be deducted for that day would be: Management fee : (RM50, * 1.60%) / 365 = RM2.19 Trustee fee : (RM50, * 0.04%) / 365 = RM0.05 PPA administration fee : (RM50, * 0.04%) / 365 = RM0.05 You can also compare the fees and charges of other private retirement schemes by visiting the Private Pension Administrator s website, Note: All the above fees and charges are subject to Goods and Services Tax (GST) which are payable by you. How will I be notified of any increase in fees and charges? You will be notified of any increase in fees and/or charges via interim or annual reports of the fund. The notification will be sent at least 3 months prior to the effective date of such higher fees and/or charges. What taxes apply? The PRS is an approved scheme for Malaysian income tax purposes pursuant to Section 2 of the Malaysian Income Tax Act, 1967 ( the Act ). The income of the fund is exempt from tax under Paragraph 20, Schedule 6 of the Act. The fund may receive dividends, interest (or profit) and other income from investments outside Malaysia and such income may be subject to tax in the country from which it is derived. Since the income of the fund is exempt from Malaysian income tax, the income* distributed from the fund to you should be exempted from Malaysian income tax as well. * Distribution (if any) will be automatically reinvested into the fund. Individual members who are residents in Malaysia and have made contribution to the fund are allowed to claim a tax relief on the amount of the contribution made to the PRS fund, subject to a maximum amount of RM3,000 per annum. 8

9 Members who make withdrawals prior to the retirement age ( pre-retirement withdrawals ) from the fund would be subject to tax penalty of 8%. The applicable tax penalty will be deducted from the withdrawn amount before payment is made to you. Withdrawals made after reaching retirement age, death, or permanent departure of a member from Malaysia will not be subject to tax. Employers who make contribution to the fund under the PRS on behalf of their employees, resident or non-resident in Malaysia, are allowed to claim tax deduction against their business income on the contribution made. The allowable tax deduction is, together with the contribution made to any other approved scheme (such as EPF), restricted to 19% of the employees remuneration. How can I keep track of my contribution? Statement of Transaction will be issued within 21 days from the date of each transaction to confirm the details of your transactions. Annual/Interim Statements and Reports which include a Summary of Distribution (if any), are made available within 2 months from the close of each financial year or interim period. A consolidated statement of account will be provided to you by the PPA. You may visit our website at for daily NAV/price of the fund. The valuation of NAV of PRS-EQF will be conducted after the close of business of Bursa Securities for the relevant day. As certain foreign markets in which the fund may invest in have yet to close due to the different time zones of these countries, the valuation point may be extended to 5.00 p.m. the next business day of Bursa Malaysia Berhad (or any such time as may be permitted by the relevant authorities from time to time) in which the PRS Provider is open for business. For example, Monday s price will be available on Wednesday and you will be able to know your units to be credited into your account on Wednesday. Unit prices and distributions if any, may go down as well as up. How do I start contributing? It is important to understand what you are contributing into. Ask for a copy of the Scheme s disclosure document. If in doubt, consult a professional adviser. Need Advice? For information pertaining to the fund, you may consult/contact: PRS consultants (PRCs) or corporate representatives of Public Bank Berhad who are registered with the Federation of Investment Managers Malaysia (FIMM); or Public Mutual Berhad Customer Service Hotline at Account Opening You are required to complete the PRS registration for account opening form and fund application form that comes with the disclosure document obtainable free upon request. Please submit your application form together with a cheque to any Public Bank Berhad branches. For first time investor of Public Mutual Berhad, you are required to complete the new investor form. If you are an existing unit trust investor and a Public Mutual Online (PMO) subscriber, you can register your PRS account opening via PMO and immediately proceed to make your contributions into any of our PRS funds. Additional contribution to your account Additional contributions can be executed via PMO, direct debit authorisation with banks or by depositing your cheque into the collection accounts maintained at Public Bank Berhad. 9

10 Minimum initial and subsequent contributions Minimum initial contribution for PRS-EQF: lump sum contribution : RM1,000* direct debit authorisation : RM100 Minimum additional contribution for PRS-EQF: lump sum contribution : RM100* direct debit authorisation : RM100 * A lower amount may be accepted if contributions to the fund are made through employers. A minimum amount of RM100 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. How You Should Write Your Cheque Your cheques for contribution are to be issued in the following manner: Initial Contribution Additional Contribution Cheque must be made payable to: Public Mutual Berhad - New NRIC No. Public Mutual Berhad - Account No. of Targeted Fund or Public Mutual Berhad - New NRIC No. Please write down your name, new NRIC/passport number and telephone number at the back of the cheque. DO NOT PAY CASH FOR YOUR CONTRIBUTION PRCs AND STAFF OF PUBLIC MUTUAL BERHAD ARE NOT AUTHORISED TO COLLECT CONTRIBUTION IN CASH UNDER ANY CIRCUMSTANCES WHATSOEVER. Public Mutual Berhad will not be liable for any loss incurred should you give cash to our PRCs or staff. DO NOT PAY CASH TO A PRC OR STAFF OF PUBLIC MUTUAL BERHAD. BNM/21/ DO NOT ISSUE A CHEQUE IN THE NAME OF A PRC OR STAFF OF PUBLIC MUTUAL BERHAD. 10

11 How do I lodge a complaint? 1. For internal dispute resolution, you may contact our Customer Service Hotline at If you are dissatisfied with the outcome of the internal dispute resolution process, please refer your dispute to the Securities Industry Dispute Resolution Center (SIDREC): (a) via phone to : (b) via fax to : (c) via to : info@sidrec.com.my (d) via letter to : Securities Industry Dispute Resolution Center (SIDREC) Unit A-9-1, Level 9, Tower A Menara UOA Bangsar No. 5, Jalan Bangsar Utama Kuala Lumpur 3. You can also direct your complaint to Securities Commission Malaysia (SC) even if you have initiated a dispute resolution process with SIDREC. To make a complaint, please contact the SC s Investor Affairs & Complaints Department: (a) via phone to the Aduan Hotline at : (b) via fax to : (c) via to : aduan@seccom.com.my (d) via online complaint form available at (e) via letter to : Investor Affairs & Complaints Department Securities Commission Malaysia No. 3, Persiaran Bukit Kiara Bukit Kiara Kuala Lumpur 4. FIMM s Complaints Bureau: (a) via phone to : (b) via fax to : (c) via to : complaints@fimm.com.my (d) via online complaint form available at (e) via letter to : Legal, Secretarial & Regulatory Affairs Federation of Investment Managers Malaysia , 6 th Floor Wisma Tune No.19 Lorong Dungun Damansara Heights Kuala Lumpur 11

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