AMB BALANCED TRUST FUND
(AMBBTF)
Type of Fund Growth and Income Fund
Category of Fund Balanced Fund
Trustee Universal Trustee (Malaysia) Berhad (17540-D)
Investment Manager CIMB-Principal Asset Management Berhad (304078-K)
Investment Philosophy AMBBTF aims to provide the investor with a broad exposure to different asset classes including shares with less fluctuation in value and fixed income securities. This is a growth and income Fund that pursues steady income and long-term growth through diversified investment in equities, bonds, convertibles, warrants and short-term money market instruments.

 
Investment Objective The objective of AMBBTF is to provide a balance between income and long-term (over 5 years) capital appreciation.

Any material change to the investment objective of the Fund would require Unit Holders’ approval.
 
Approved Fund Size of AMBBTF The approved fund size of AMBBTF is 1.15 billion Units.
Investor Profile AMBBTF is appropriate for investors who are seeking a fully managed balanced portfolio of investments with an investment horizon of 5 years or more. AMBBTF aims to provide investors with a combination of income and capital gains over the medium to long term.
 
Benefits for Investors Diversification
When structuring an investment portfolio, diversification is one of the main tools used to reduce investment risk and enhance returns. Diversification should be within investment sectors (investing in a diverse range of shares) as well as across a variety of investment instruments (for example shares, fixed income securities and short-term money market instruments). In this manner, investors can usually access a broader range of securities than they could have by investing on their own. Such a diversified portfolio reduces risks, as should some investments drop in value there may be increases in value of other investments thus mitigating the downside risk.

Because of the diversified nature of AMBBTF, risks associated with a downturn in a particular investment are reduced.
 
Specific Benefits of Investing in AMBBTF Free Insurance Protection Coverage for AMBBTF
Eligible Unit Holders (natural persons) of AMBBTF will be given free Group Personal Accident (GPA) and Total Permanent Disability (TPD) insurance coverage. Unit Holders holding a minimum of 10,000 Units and above will automatically be covered under the GPA and TPD insurance coverage. Coverage ceases automatically if the number of Units held is reduced to less than 10,000 Units.
 

Eligible Unit Holders must be aged between 18 and 69 years old. The GPA coverage ceases automatically when you attain the age of 70 years old. Only eligible principal Unit Holders will be covered under the GPA insurance coverage.

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 AMBBTF.

Affordability
Investors can invest with just RM1,000 as a minimum initial investment and subsequent investments can be made with 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. You may withdraw a portion of your EPF savings to invest in AMBBTF, 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 • Min 20% max 60% in equities
• Min 20% max 60% in fixed income securities
• Min 10% in liquid assets

The equity and fixed income allocation may be reduced to below the minimum levels indicated at the discretion of the Manager only during exceptional circumstances. Exceptional circumstances would include situations:

  1. Where there is a sharp downturn in the equity market;
  2. When there is high risk of capital loss on fixed income instruments due to interest rate fluctuations;
  3. When there is insufficient liquidity in either equity or fixed income instruments for the Fund to transact efficiently; and/or
  4. When there is redemption affecting the liquidity position of the Fund.
 
Performance Benchmark The performance of AMBBTF is benchmarked against 50% of the performance of the FTSE Bursa Malaysia KLCI and 50% of RAM Quantshop MGS Medium Index. These are obtainable from the Bursa Malaysia website, and the RAM quantshop website at www.quantshop.com respectively.
This benchmark is revise to accordingly reflect the change in asset allocation for AMBBTF.
 

 

Investors are advised to read and understand the contents of the Master Prospectus dated 17 September 2011 and expires on 16 September 2012 before investing. This prospectus has been registered and lodged with the Securities Commission. 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.