AMB LIFESTYLE TRUST FUND 2014 (AMBLTF 2014)
Type of Fund Growth Fund
Category of Fund Balanced Fund
Trustee HSBC (Malaysia) Trustee Berhad (001281-T)
Investment Manager UOB-OSK Asset Management Sdn Bhd (219478-X)
Investment Philosophy AMBLTF 2014 invests in a well-diversified portfolio of assets, which includes money market securities, fixed income securities, equities and other securities that are permitted by the authorities from time to time. The portfolio is an actively managed balanced Fund aimed to optimise returns while minimising risks encountered by investors. The Fund is particularly suited to investors who have a 10 year investment horizon, or more, from the launch of the Fund.

 
Investment Objective To provide capital growth for investors through a well-diversified balanced portfolio that is specially catered for a ten (10) year investment period. The Fund, over its investment period, shall progressively adopt more defensive investment strategies as the Fund approaches maturity.

Any material change to the investment objective of the Fund would require Unit Holders’ approval.
 
Approved Fund Size of AMBLTF 2014 The approved Fund size of AMBLTF 2014 is 250 million Units.
Investor Profile The Fund is suitable for investors with the following profile: -
  • Investors who seek an investment solution for a period of 10 years or more
  • Investors who seek returns from a professionally managed fund that is well diversified across various asset classes; and
  • Investors who desire to have a fund that would automatically become more defensive over time.
 
Benefits for Investors Extensive Diversification
Your portfolio is made up of all the essential asset classes comprising equities, bonds and money market instruments that will be balanced over time to optimise your investment.

Active Management
Professional External Investment Managers manage the investment mix of your AMB Lifestyle portfolio to create the optimal risk and return for each stage of your life or target maturity date of the Fund.

A Personalised Approach
You decide when you will need your money and how you feel about risk, and choose the AMB Lifestyle portfolio that is tailored to meet your needs. The AMB Lifestyle portfolio allows you the flexibility to select the right segment to fit your lifestyle or requirement over a wider time horizon.

Example: If you have a longer time period before money is required, you may have a higher tolerance for risk in your investments. This is because peaks and troughs of performance tend to smooth out over time. If there is a shorter period of time before your retirement income is needed, then a lower tolerance for risk is allowed.

Each AMB Lifestyle portfolio represents the number of years you expect to begin realising your investment. As you get closer to the year of withdrawal, the External Investment Manager will gradually re-balance the portfolio mix to optimize your returns.

Professional External Investment Managers
A team of professional External Investment Managers backed by a research team at UOB-OSK Asset Management Sdn Bhd use their expertise to build and manage the portfolios.

The stocks, bonds and money market instruments in AMBLTF 2014 are carefully selected to give you the advantage of time. The individual portfolios are based on the idea that the way you invest should change as you go through your life and your retirement gets closer. Your needs may change as you approach retirement, as well as your risk tolerance.
 
Specific Benefits of Investing in AMBLTF 2014 Free Insurance Protection Coverage
Eligible Unit Holders (natural persons) of AMBLTF 2014 will be given free standard Group Personal Accident (GPA) coverage. Unit Holders holding a minimum amount of 2,000 Units and above will automatically be covered under the standard GPA insurance for accidental death and Total Permanent Disability (TPD) with the following extensions:-
  1. Medical expenses
  2. Funeral expenses
  3. Repatriation expenses
Units
Medical Expenses
Funeral Expenses
Repatriation Expenses
2,000 – 49,999
RM1,000
RM1,000
RM1,000
50,000 and above
RM2,000
RM2,000
RM2,000

The sum insured would be RM0.50 for every Unit held subject to a minimum investment of 2,000 Units and maximum coverage of RM150,000. While the policy is in force, the amount of sum insured per eligible Unit Holder shall be the amount of Units held by the eligible Unit Holder as at the date of accident leading to the claim.

Eligible Unit Holder must be aged between 18 to 69 years old. The standard GPA coverage ceases automatically when you attain the age of 70 years old. Eligible principal Unit Holder and jointholder(s) will be covered under the standard GPA but the sum covered will be shared equally.

Regular Savings Plan
You have the opportunity to invest through standing instruction. This plan makes regular savings easy and allows you to arrange transfers from your bank account to AMBLTF 2014.

Affordability
Investors can invest just RM500 as a minimum initial investment and subsequent investments can be made with a minimum of RM100.

Accessibility
Investors can easily access any Distribution Branch to perform any enquiry or transaction.

EPF Members Investment Scheme
The Manager is a unit trust management company under the EPF Members Investment Scheme. You may withdraw a portion of your EPF savings to invest in AMBLTF 2014, which may provide you the opportunity to reap capital growth, thus increasing the value of your EPF Account 1 Retirement Savings subject to rules and regulations of the EPF Members Investment Scheme from time to time.
 
Asset Allocation The following table indicates the maximum & minimum target exposures for equities and fixed income (comprising of bonds and money market Instruments) for each TAA: -
 
TAA 1
TAA 2
TAA 3
TAA 4
Bonds & money market min
54%
60%
66%
73%
Bonds & money market max
59%
65%
71%
78%
Equity minimum
41%
35%
29%
22%
Equity maximum
46%
40%
34%
27%

 
Performance Benchmark The benchmark is based on the proportion of equity and fixed income stated at the start of the TARD as illustrated at the Table below.
Asset Mix / Benchmark
TAA 1
TAA 2
TAA 3
TAA 4
Equity - FBM Emas Index
46%
40%
34%
27%
Bonds & Money market
RAM quantshop
MSG 3-7 (medium)
54%
60%
66%
73%

An illustration of the benchmark is as follows: -

Benchmark (TAA 1) = (% change in FBM Emas Index x 46% of NAV) +
(% RAM quantshop MGS 3-7 [medium] x 54% of NAV)
Benchmark (TAA 2) = (% change in FBM Emas Index x 40% of NAV) +
(% RAM quantshop MGS 3-7 [medium] x 60% of NAV)
Benchmark (TAA 3) = (% change in FBM Emas Index x 34% of NAV) +
(% RAM quantshop MGS 3-7 [medium] x 66% of NAV)
Benchmark (TAA 4) = (% change in FBM Emas Index x 27% of NAV) +
(% RAM quantshop MGS 3-7 [medium] x 73% of NAV)”

The FBM Emas Index is available from the Bursa Malaysia website. The RAM Quantshop MGS 3-7 (Medium) is available from the Quantshop website. ( With effect from November 17, 2008 )
 

 

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Investors are advised to read and understand the contents of the Master Prospectus dated September 17, 2009 and the First Supplementary Master Prospectus dated October 30, 2009 before investing. These prospectuses have been registered and lodged with the Securities Commission. Among others, investor should consider the fees and charges involved. The price of units and distributions payable, if any, may go down as well as up. Past performances of the fund should not be taken as indicative of its future performance. Units will only be issued on receipt of an application form referred to in and accompanying the Prospectus, which are obtainable at Amanah Mutual Berhad, Amanah Saham Nasional Berhad or any Maybank distribution branches.