AMB DANA IKHLAS (AMBDI)
Type of Fund Growth and Income Fund
Category of Fund Balanced Fund
Trustee AmanahRaya Trustee Berhad (766894-T)
Investment Manager CIMB-Principal Asset Management Berhad (304078-K)
Investment Philosophy AMBDI is an Islamic balanced fund that offers investors an opportunity to invest in a diversified portfolio of assets managed under investment policies that adhere with the Shariah Principles.

 
Investment Objective To attain a mix of regular income stream and possible capital growth via investments into listed equities, Islamic debt instruments and other assets those are permissible under the Shariah Principles.

Any material change to the investment objective of the Fund would require Unit Holders’ approval.
 
Approved Fund Size of AMBDI The approved Fund size for AMBDI is 400 million Units.
Investor Profile The Fund is suitable for all investors who are seeking a fully managed and balanced portfolio of investments that conforms to the Shariah Principles and has an investment horizon of five (5) years or more.
 
Benefits for Investors AMBDI has been specially designed with adherence to the Shariah Principles. Through a process of diversification, the risks associated with the investments are spread over the portfolio of stocks and debt instruments. Investors can also benefit from the expertise and resources of our professional External Investment Manager at an affordable cost.
 
Specific Benefits of Investing in AMBDI Free Insurance Protection Coverage
Eligible Unit Holders (natural persons) of AMBDI will be given free Group Personal Accident (GPA) insurance coverage. Unit Holders holding a minimum of 2,000 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 2,000 Units and maximum coverage of RM200,000 per Unit Holder.
 
The GPA insurance coverage covers:
  1. Death due to accidental causes only;
  2. Total Permanent Disability (TPD) due to accidental causes; and
  3. Funeral expenses as follows:

Units                              Funeral Expenses
2,000 to 49,999                     RM 1,000
50,000 and above                 RM 2,000

While the policy is in force, the amount of coverage shall be based on the amount of Units purchased as at the date of death or disability.

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.

Strict adherence to the Shariah Principles
AMBDI has been specially designed with adherence to the Shariah Principles. A panel of Shariah Committee Members of the Fund comprises of Islamic scholar's monitors the activities of the Fund.

Investment Through Diversification
AMBDI manages and aims to minimise your risks by investing in a diversified range of shariah-compliant securities.

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 AMBDI.

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. You may withdraw a portion of your EPF savings to invest in AMBDI, 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% to max 70% in equities
  • Min 20% to max 70% in debt instruments
  • Min 10% in cash

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 AMBDI is benchmarked against 60% of the FTSE Bursa Malaysia EMAS Shariah Index and 40% of the 12-month General Investment Account-rates of commercial banks, which are obtainable from the Bursa Malaysia website and Bank Negara website respectively.
 

 

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.