Welcome to Amanah Mutual Berhad


	AMB DANA FITRAH 1 (AMBDF1)
Type of Fund	Capital Protected
Category of Fund	Fixed Income
Trustee	Malaysian Trustees Berhad (21666-V)
Investment Manager	Mayban Investment Management Sdn Bhd (421779-M)
Investment Philosophy	Values can be found through fundamental analysis, supported by technical and market studies. In debt securities investments, diverse instruments that yield higher rates of return than the prevailing profit rates are identified and invested in. In equity investments, outperformance is achieved through investments in a diversified portfolio of undervalued securities.
Investment Objective	To protect the initial capital of the Fund at the maturity date, while at the same time providing an opportunity to yield returns better than the prevailing profit rates of the 12 months Mudharabah Deposits of major banks or commercial banks. *Any material changes to the investment objective of the Fund would require Unit Holders’ approval.*

Approved Fund Size of AMBDF1	The approved fund size for AMBDF1 is 300 million Units.
Investor Profile	The Fund is suitable for investors with the following profile:- seeking low risk investments that are in accordance with the Shariah Principals; seeking a fund which protects the initial capital but with a potential to yield returns better than the prevailing profit rates of the 12 months Mudharabah Deposits; and possess an investment horizon of 5 years.

Benefits for Investors	The benefits to investors including the following: Investing in a Fund which has a capital protection feature at the end of the investment period, hence giving high probability that investors will obtain the initial capital invested upon completion of the investment period; Investing in a Fund which has the potential to provide returns better than the prevailing profit rates of the 12 months Mudharabah Deposits; and Investing in a Fund which is Shariah compliant.

Specific Benefits of Investing in AMBDF1	Free Insurance Protection Coverage Eligible Unit Holders (natural persons) of AMBDF1 will be given free Group Personal Accident (GPA) insurance coverage. Unit Holders holding a minimum of 20,000 units and above will automatically be covered under the GPA insurance coverage. The sum covered would be RM0.50 for every unit held subject to a minimum investment of 20,000 units and maximum coverage of RM 200,000 per unit holder.

	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. Eligible principal Unit Holder and joint holders will be covered under the GPA Insurance Coverage, but in the case of joint holdings, the sum covered will be shared equally. 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 AMBUTF, 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 90%, Max 100% investment in bonds and bank deposits in the form of ZNIDs; and Min 0%, Mas 10% investment in equity. All investment must be Shariah compliants. The exact asset allocation will be determined immediately after the commencement date, as it depends on the yield-to-maturity of the bonds and discount rate of the ZNIDs at the time od subscription. The investment in bonds and bank deposits in the form of ZNIDs are for xcapital protection. While investments in ZNIDs are to provise a steady profit rate to the investment and for redemption management, investments in bonds (mainly private debt securities) are to allow the Fund to earn slightly higer yields than the returns from investments in ZNIDs. Aas to the tenure of the bonds and the bank deposits in the form of ZNIDs, the Fund will invest only in such instruments which expire before or on the maturity date of the Fund. This will protect the Fund from interest rate risk.

Performance Benchmark	The Benchmark to be used by the Manager is the 12 month General Investment Account-rates of commercial banks.

Investors are advised to read and understand the contents of the Master Prospectus dated 27 July 2004 (close ended fund) 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 distributions payable, if any, may go down as well as up. Past performances of the funds should not be taken as indicative of its future performance. Units for redemption will only be issued on receipt of a redemption application form, which are obtainable at Amanah Mutual Berhad or any Maybank distribution branches. The fund is not guaranteed and subject to investment risks.Redemption of units before the maturity date would be based on the NAV of the Fund on that day and would be charged an exit fee. Therefore, protection in this case does not apply. There may be a dilution of performance due to the capital protection structure being put in place compared to a conventional Fund without capital protection.