HSBC Amanah LifeSelect Equity Fund Fund Fact Sheet October 2014
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1 HSBC Amanah LifeSelect Equity Fund Fund Fact Sheet October 2014
2 Investment Objective HSBC Amanah LifeSelect Equity Fund aims to achieve capital growth in medium to long term by investing in a portfolio of Shariah-compliant Malaysian equities and equity related securities. Top Ten Core Equity Holdings % of NAV Sime Darby Bhd 6.79 Tenaga Nasional Bhd 6.23 Axiata Group Bhd 4.28 Digi.Com Bhd 3.04 Telekom Malaysia Bhd 2.59 Faber Group Bhd 2.11 Ta Ann Holdings Bhd 1.91 MMC Corporation Bhd 1.86 S P Setia Bhd 1.86 LBS Bina Group Bhd 1.85 Asset Allocation Performance Table Performance HSBC Amanah LifeSelect Equity Fund 95% FBMS + 3 Months IIMM Rate Quoted Shariah- Compliant Equities 80.26% 5 Years 01/11/09 to 31/10/14 6 Months 01/05/14 to 31/10/ % 56.01% 0.10% 1.04% Source: Pacific Mutual Fund Bhd Basis of calculation: Time-weighted rate of return Composite Benchmark from 12/06/08 to 27/11/13 : FBMS 28/11/13 onwards : 95% FBMS and 3-Month Islamic Interbank Money Market (IIMM) Rate Islamic Money Market Instruments 17.59% Shariah-Compliant Collective Investment Scheme 2.15%
3 Equity Market Review, Outlook & Strategy A wave of risk aversion fuelled by worries over global growth outlook, geopolitics and the threat of Ebola drove markets sharply lower during the month but losses had largely been erased by month-end, resulting in almost unchanged indices: Shanghai (+2.4%), Hong Kong (+4.6%), Korea (- 2.8%), Singapore (unchanged), Taiwan (unchanged), Japan (+1.5%), US (-0.3%), Philippines (-1.0%), Thailand (unchanged), Indonesia (-1.0%) and Malaysia (+0.5%). Markets started the month on a cautious note due to the weak economic data in Europe and slowing China growth. In addition, the IMF cut its global growth forecast for 2014 and 2015 to 2.9% and 3.6% from 3.2% and 3.8% respectively. It also warned of a potential financial-market correction as stocks approached frothy levels. Concerns over weak economic growth helped depress oil prices to multi-year lows and also prompted sharp falls for German bond yields. Investors were further spooked by the political unrest in Hong Kong and the spreading Ebola virus whilst robust US economic data fuelled speculation of an earlier-than-expected hike in interest rates. Subsequently, markets bounced off oversold levels as investors found respite in dovish comments from a US Federal Reserve official and broadly encouraging US economic data. Sentiment was also boosted by news the European Central Bank (ECB) would soon start purchasing assets to support the economy. In the US, investors cheered the solid set of US corporate earnings and improved PMI data for the Euro zone. The positive vibes spilled over to other markets. Shortly after the US Federal Reserve wrapped up its QE taper towards month-end, the Bank of Japan unexpectedly announced new measures to spur Japanese growth; including raising the purchase of Japanese government bonds to JPY80 trillion per annum from JPY50 trillion previously, and the maturity of the bonds to be lengthened from seven years to 7-10 years. This expanded QE by Japan sparked a global rally, sending the Dow Jones to historic highs. Locally, Malaysia s Budget 2015 unveiled on 10 October 2014 was largely a non-event and the local market plummeted to a 52-week low of 1,766 points on 17 October amid regional weakness, before recovering in tandem with global markets. Not surprisingly, oil and gas stocks were among the biggest losers, in line with the sharp fall in crude oil prices. Domestic macro data were mixed. Malaysia s exports inched higher to 1.7% year-on-year in August after hitting a 13-month low of 0.8% year-onyear in July, while imports rebounded by 7.6% year-on-year (July 2014: -0.7% year-on-year). This was accompanied by the acceleration in industrial production growth to 6.5% year-on-year in August due to normalisation of manufacturing activities following a shorter working month in July. Separately, Malaysia s slight but modest pick-up in the leading index for August suggested that economic activities would expand at a more moderate pace in the months ahead. Meanwhile, headline inflation eased to 2.6% year-on-year in September from 3.3% in August, with the drop mainly due to the high base effect in September 2013 when the government raised the fuel price. Inflation is expected to remain elevated as the government had announced a fuel subsidy cut by 20 sen effective 2 October In the banking sector, loan growth registered a small improvement to 9% year-on-year in September (August: 8.6%), but asset quality showed early signs of deterioration.
4 Equity Market Review, Outlook & Strategy On the foreign front, with the Euro zone economy losing its growth momentum and Japan s growth also stumbling, the OECD composite leading indicator contracted by a larger magnitude of 0.03% month-on-month in August compared with -0.02% in June-July. In China, real GDP growth slowed to 7.3% year-on-year in third quarter 2014, the slowest pace in five years, due to structural reforms in the nation, a sagging housing market and higher base effects from a year ago. However, with the government s recent targeted easing measures, industrial production picked up to 8.0% year-on-year in September, rebounding from a six-year low of 6.9% in August. In Japan, exports rebounded by 6.9% year-on-year in September, a reversal from a drop of 1.3% in August, but signs of slowing global growth may still put pressure on the country s growth. In the Euro zone, inflation picked up to 0.4% year-on-year in October, from a five-year low of 0.3% in the August-September period, offering some reprieve to the ECB policy makers struggling to prevent a spiral of price declines. Improvement in the Euro zone s unemployment rate was slow with the unemployment rate unchanged at 11.5% for the fourth straight month in September. In the US, the Federal Reserve concluded its asset purchase programme during the October FOMC meeting, reducing its monthly balance sheet expansion to zero and retaining its commitment to keep interest rates near zero for a considerable time. US GDP grew at a healthy pace of 3.5% in third quarter 2014, supported by government spending and a narrowing trade gap. Going forward, measures by Japan to expand quantitative easing and subsequent decision by the Japanese pension fund to increase allocation for Japanese and foreign equities are positive for global equity markets. Coupled with the ECB s monetary stimulus, these measures should help offset the liquidity drain caused by US quantitative easing tapering. Nevertheless, for the local bourse the upbeat external factors will be dampened by domestic headwinds such as the weak Ringgit, low oil prices and cautious investor sentiment. Hence, some consolidation is expected especially in view of the sharp surge in the KLCI from its low of 1766 points on 17 October which may provide good buying opportunities.
5 Manager s Comments The equity exposure of Pacific Dana Aman remains relatively unchanged at 80.26% as at end October 2014 from 80.03% as at end September The Fund was a net buyer of equities during the month under review in line with the internal tactical call to raise equity exposure amid the sharp market correction. It topped up its holdings in oil and gas, construction, plantation, property and utility sectors, as well as a few conglomerates. The Fund also initiated a new position in a newly established cement player based in Perak. Upon the swift market recovery towards month end, the Fund took profit in selective names in the construction, property and utility sectors. In addition, it trimmed its holdings in specific stocks that may become non-shariah compliant in the upcoming November review. The Fund also exited a mobile service provider after the share price appreciation rendered its dividend yield unattractive. The Fund will look for opportunities to accumulate quality stocks and raise its equity exposure to ride on the seasonally strong market towards year end. 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 Equity Fund is managed underwritten 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.
6 HSBC Amanah LifeSelect Equity Fund Fund Fact Sheet Oktober 2014
7 Objektif Pelaburan Dana Ekuiti HSBC Amanah LifeSelect bermatlamat mencapai pertumbuhan modal dalam jangka sederhana hingga panjang dengan melabur dalam portfolio ekuiti dan sekuriti berkaitan ekuiti Malaysia yang berlandaskan prinsip Syariah Prestasi Sejak Pelancaran* Senarai 10 Pegangan Ekuiti Yang Terbesar % NAB Sime Darby Bhd 6.79 Tenaga Nasional Bhd 6.23 Axiata Group Bhd 4.28 Digi.Com Bhd 3.04 Telekom Malaysia Bhd 2.59 Faber Group Bhd 2.11 Ta Ann Holdings Bhd 1.91 MMC Corporation Bhd 1.86 S P Setia Bhd 1.86 LBS Bina Group Bhd 1.85 Jadual Prestasi Peruntukan Aset Prestasi 5 Tahun 01/11/09 hingga 31/10/14 Dana Ekuiti HSBC Amanah LifeSelect 95% FBMS + 3 bulan IIMM 49.44% 56.01% Skim Pelaburan Kolektif Yang Berlandaskan Syariah 80.26% 6 Bulan 01/05/14 hingga 31/10/ % 1.04% Sumber: Pacific Mutual Fund Bhd Asas pengiraan: Kadar nilai pulangan Penanda aras komposit - 12/06/08 hingga 27/11/13 : FBMS - 28/11/13 dan seterusnya : 95% FBMS and 3-Month Islamic Interbank Money Market (IIMM) Rate Instrumen Pasaran Wang Islam 17.59% Skim Pelaburan Kolektif Yang Berlandaskan Syariah 2.15%
8 Tinjauan, Pandangan dan Strategi Pasaran Ekuiti Pasaran-pasaran mengalami penurunan yang besar pada bulan yang ditinjau akibat sikap pelabur menjauhi pelaburan berisiko berikutan kebimbangan terhadap prospek pertumbuhan global, geopolitik dan ancaman Ebola, tetapi sebahagian besar kerugian telah terhapus menjelang akhir bulan, menyebabkan indeks tutup hampir tidak berubah berbanding bulan sebelumnya: Shanghai (+2.4%), Hong Kong (+4.6%), Korea (- 2.8%), Singapura (tidak berubah), Taiwan (tidak berubah), Jepun (+1.5%), AS (-0.3%), Filipina (-1.0%), Thailand (tidak berubah), Indonesia (- 1.0%) dan Malaysia (+0.5%). Pasaran memulakan bulan yang ditinjau dengan nada berhati-hati kerana data ekonomi Eropah yang lemah dan pertumbuhan China yang semakin memperlahan. Selain itu, IMF memotong anggaran pertumbuhan dunia untuk tahun 2014 dan 2015 ke 2.9% dan 3.6% dari 3.2% dan 3.8% masing-masing. Ia juga memberi amaran potensi pembetulan pasaran kewangan kerana saham mendekati tahap yang amat tinggi. Kebimbangan terhadap pertumbuhan ekonomi yang lemah membantu menurunkan harga minyak ke paras terendah tahun-tahun terkini dan juga mendorong kejatuhan mendadak kadar hasil bon Jerman. Pelabur terus bimbang terhadap pergolakan politik di Hong Kong dan penyebaran virus Ebola, sementara data ekonomi AS yang teguh mendorong spekulasi kenaikan kadar faedah yang lebih awal dari yang dijangkakan. Selepas itu, pasaran keluar dari tahap-tahap rendah apabila pelabur berasa kurang bimbang dengan wujudnya komen kurang agresif dari Federal Reserve AS dan data ekonomi AS yang menggalakkan. Sentimen juga didorong oleh berita European Central Bank (ECB) akan mula membeli aset untuk menyokong ekonomi. Di AS, pelabur puas dengan laporan pendapatan korporat AS yang kukuh dan data PMI zon Euro yang bertambah baik. Faktor-faktor positif ini menular ke pasaran lain. Tidak lama selepas Federal Reserve AS mengakhiri quantitative easing menjelang akhir bulan, Bank Of Japan tiba-tiba mengumumkan langkah-langkah baru untuk merangsang pertumbuhan Jepun; yang termasuk meningkatkan pembelian bon kerajaan Jepun ke JPY80 trilion setahun dari JPY50 trilion sebelum ini, dan kematangan bon yang akan dipanjangkan dari tujuh tahun ke 7-10 tahun. Langkah-langkah lanjutan quantitative easing oleh Jepun mencetuskan rali global, menghantar Dow Jones ke paras tertinggi dalam sejarah. Di Malaysia, Bajet 2015 yang diumumkan pada 10 Oktober 2014 sebahagian besarnya tidak membawa reaksi besar dan pasaran tempatan jatuh menjunam ke tahap terendah dalam 52 minggu ke 1,766 mata pada 17 Oktober di tengah-tengah kelemahan serantau, sebelum pulih seiring dengan pasaran global. Tidak menghairankan, saham minyak dan gas adalah antara saham-saham yang mengalami kerugian besar, sejajar dengan kejatuhan mendadak harga minyak mentah. Data makro domestik adalah bercampur-campur. Eksport Malaysia meningkat ke 1.7% tahun-ke-tahun pada bulan Ogos selepas jatuh ke tahap terendah dalam 13 bulan pada 0.8% tahun-ke-tahun pada bulan Julai, manakala import meningkat semula sebanyak 7.6% tahun-ke-tahun (Julai 2014: -0.7% tahun-ke-tahun). Ini disertai oleh peningkatan dalam pertumbuhan pengeluaran perindustrian ke 6.5% tahun-ke-tahun pada bulan Ogos kerana normalisasi aktiviti pembuatan berikutan bulan bekerja yang lebih pendek pada bulan Julai. Dalam aspek lain, peningkatan sedikit tetapi sederhana dalam indeks utama Malaysia bagi bulan Ogos mencadangkan bahawa aktiviti ekonomi akan berkembang pada kadar yang lebih sederhana pada bulan-bulan akan datang. Sementara itu, inflasi susut ke 2.6% tahun-ke-tahun pada bulan September dari 3.3% pada bulan Ogos, dengan penurunan terutamanya disebabkan oleh kesan asas yang tinggi pada bulan September 2013 apabila kerajaan menaikkan harga bahan api. Inflasi dijangka terus tinggi kerana kerajaan telah mengumumkan pengurangan subsidi bahan api sebanyak 20 sen berkuatkuasa 2 Oktober Dalam sektor perbankan, pertumbuhan pinjaman mencatatkan peningkatan kecil ke 9% tahun-ke-tahun pada bulan September (Ogos: 8.6%), tetapi kualiti aset menunjukkan tanda-tanda awal kemerosotan.
9 Tinjauan, Pandangan dan Strategi Pasaran Ekuiti Di pasaran luar negara, dengan keadaan ekonomi zon Euro yang kehilangan momentum pertumbuhannya dan pertumbuhan Jepun juga tersandung, penunjuk komposit utama OECD menguncup dengan magnitud yang lebih besar pada 0.03% bulan-ke-bulan pada bulan Ogos berbanding -0.02% pada bulan Jun-Julai. Di negara China, pertumbuhan KDNK benar memperlahan ke 7.3% tahun-ke-tahun pada suku ketiga 2014, kadar paling perlahan dalam tempoh lima tahun, disebabkan oleh perubahan struktural di negara China, pasaran perumahan yang semakin lemah dan kesan asas yang lebih tinggi dari setahun yang lalu. Walau bagaimanapun, dengan langkah-langkah pelonggaran yang disasarkan kerajaan baru-baru ini, pengeluaran perindustrian meningkat ke 8.0% tahun-ke-tahun pada bulan September, meningkat semula dari 6.9%, tahap rendah enam tahun pada bulan Ogos. Di Jepun, eksport meningkat semula sebanyak 6.9% tahun-ke-tahun pada bulan September, perubahan arah dari kejatuhan sebanyak 1.3% pada bulan Ogos, tetapi tanda-tanda pertumbuhan global yang semakin memperlahan masih memberi tekanan ke atas pertumbuhan negara tersebut. Di zon Euro, kadar inflasi meningkat ke 0.4% tahun-ke-tahun pada bulan Oktober, dari tahap rendah lima tahun sebanyak 0.3% dalam tempoh bulan Ogos-September, menawarkan peluang penangguhan kepada pembuat dasar ECB yang berusaha untuk mengelakkan lingkaran kejatuhan harga. Pemulihan kadar pengangguran zon Euro perlahan dengan kadar pengangguran tidak berubah pada 11.5% bagi empat bulan berturut-turut pada bulan September. Di AS, Federal Reserve menamatkan program pembelian aset dalam mesyuarat FOMC Oktober, mengurangkan program perluasan kunci kira-kira bulanan ke sifar dan mengekalkan komitmennya untuk mengekalkan kadar faedah hampir sifar untuk suatu tempoh masa tertentu. KDNK AS berkembang pada kadar yang sihat sebanyak 3.5% pada suku ketiga 2014, disokong oleh perbelanjaan kerajaan dan jurang dagangan yang semakin kecil. Melangkah ke hadapan, langkah-langkah oleh negara Jepun untuk mengembangkan quantitative easing dan keputusan selanjutnya oleh dana pencen Jepun untuk meningkatkan peruntukan bagi ekuiti Jepun dan pasaran asing adalah positif bagi pasaran ekuiti global. Bersama-sama dengan rangsangan monetari ECB, langkah-langkah ini akan membantu mengimbangi tekanan kecairan yang disebabkan oleh tamatnya quantitative easing AS. Walau bagaimanapun, bagi bursa tempatan, faktor-faktor optimis luaran akan dibendung oleh rintangan domestik seperti Ringgit yang lemah, harga minyak yang rendah dan sentimen pelabur yang berhati-hati. Oleh itu, konsolidasi pasaran dijangka berlaku terutamanya memandangkan lonjakan mendadak dalam KLCI dari dasar 1766 mata pada 17 Oktober yang mungkin membawa peluang belian yang baik.
10 Ulasan Pengurus Pegangan ekuiti Pacific Dana Aman tidak banyak berubah pada 80.26% pada akhir bulan Oktober 2014 berbanding 80.03% pada akhir bulan September Dana adalah pembeli bersih ekuiti pada bulan yang dikaji selaras dengan panggilan taktikal dalaman untuk meningkatkan pegangan ekuiti di sebalik pembetulan tajam pasaran. Dana meningkatkan pegangannya dalam sektor minyak dan gas, pembinaan, perladangan, hartanah dan utiliti, serta beberapa konglomerat. Dana juga telah memulakan satu pegangan baru dalam saham syarikat simen yang baru ditubuhkan yang berpusat di Perak. Ketika pemulihan pasaran yang singkat pada akhir bulan, Dana telah mengambil keuntungan dari saham terpilih dalam sektor pembinaan, hartanah dan utiliti. Selain itu, Dana mengurangkan pegangannya dalam saham tertentu yang mungkin menjadi tidak patuh Syariah dalam kajian akan datang pada bulan November. Dana melepaskan pegangan dalam saham sebuah syarikat penyedia perkhidmatan mudah alih selepas kenaikan harga saham menyebabkan kadar hasil dividen tidak menarik. Dana akan mencari peluang untuk mengumpul saham berkualiti dan meningkatkan pegangan ekuiti untuk mengaut keuntungan pada penghujung tahun, di mana harga saham kebiasaannya akan bertambah kukuh pada musim ini. 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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