AMB LIFESTYLE TRUST FUND TODAY (AMBLTF Today)

Type of Fund Income Fund
Category of Fund Fixed Income Fund
Trustee HSBC (Malaysia) Trustee Berhad (001281-T)
External Investment Manager UOB Asset Management (Malaysia) Berhad (219478-X)
Investment Philosophy AMBLTF Today will invest 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 defensive Fund aimed to provide investors with regular income and moderate capital growth.

 

Investment Objective To seek regular income stream and moderate capital growth through investments into fixed income securities and dividend yielding equities.

Any material change to the investment objective of the Fund would require Unit Holders’ approval.

 
Investors' Profile The Fund is suitable for investors who:
  • Seek a defensive investment solution that comprises fixed income Instruments and a minor portion of equity; and
  • Seek returns that is well diversified across various asset classes.
 
Benefits for Investors Extensive Diversification
Your portfolio is made up of all the essential asset classes comprising equities, bonds and money market instruments.

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.

 
Specific Benefits of Investing in AMBLTF Today Regular Savings Plan
You have the opportunity to invest on a fixed monthly basis through standing instruction. This plan makes regular savings easy and allows you to arrange transfers from your bank account to AMBLTF Today.
 
Affordability
Investors can invest just RM500 as a minimum initial investment and subsequent investments can be made at a minimum of RM100

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

EPF Members' Investment Scheme
The Manager is a unit trust management company under the EPF Members' Investment Scheme. For eligible Funds, you may withdraw a portion of your EPF savings to invest in the Fund, 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.

You may withdraw a portion of your EPF savings to invest in our Funds which are eligible under the EPF Members' Investmnet Scheme. Kindly contact the manager to confirm which Funds are currently eligible for investment via the EPF Members' Investment Scheme. By investing some of your EPF savings in any of the above-mentioned Funds, you could stand to maximise the value of your retirement savings over the long-term.

Upon reaching the age of 55, investment under EPF Members' Investment Scheme will no longer be treated under the EPF Members' Investment Scheme and Unit Holders' existing investment will be converted into their own account of which Unit Holders may redeem directly.

Kindly note that investment via EPF Members' Investment Scheme is subject to EPF's terms and conditions and investors are encouraged to check on the related details accordingly.

Asset Allocation
  • Min 80% max 100% in bonds and money market
  • Max 20% in equities
  • Min 2% in liquid assets
 
Benchmark The performance of AMBLTF Today will be benchmarked against
  • 80% Maybank 12 Months Fixed Deposit Rate
  • 20% of the performance of the FBM EMAS Index

Note: The risk profile of this Fund is different from the risk profile of the benchmark.
 

 

Print

Investors are advised to read and understand the contents of the Master Prospectus for Conventional Funds dated 17 September 2015 and expires on 16 September 2016 before investing. This prospectus has been registered and lodged with the Securities Commission Malaysia. Among others, investor should consider the fees and charges involved. The price of units and distributors payable, if any, may go down as well as up. Past performance 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 can be obtained at Amanah Mutual Berhad, Amanah Saham Nasional Berhad, any Maybank and Bank Rakyat distribution branches.