Welcome to Amanah Mutual Berhad


	AMB LIFESTYLE TRUST FUND TODAY (AMBLTF Today)
Type of Fund	Income Fund
Category of Fund	Fixed Income Fund
Trustee	UOB-OSK Asset Management Sdn Bhd (219478-X)
Investment Manager	HSBC (Malaysia) Trustee Berhad (001281-T)
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.*

Approved Fund Size of AMBLTF Today	The approved Fund size for AMBLTF Today is 250 million Units.
Investor Profile	The Fund is suitable for investors with the following profile: - Investors who seek a defensive investment solution that comprises fixed income Instruments and a minor portion of equity; and Investors who seek returns from a professionally managed Fund.

Benefits for Investors	Extensive Diversification Your portfolio is made up of all the essential asset classes comprising equities, bonds and money market instruments. Active Management Professional External Investment Managers manage an investment mix that emphasises income generation for you. 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 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. You may withdraw a portion of your EPF savings to invest in AMBLTF Today, 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 exposures for equities and fixed income (comprising of bonds & money market Instruments) :- Min 0% Max 20% in equities Min 80% Max 100% in bonds and money market/cash.

Performance Benchmark	The performance of AMBLTF Today is benchmarked against 80% of the RAM quantshop MGS Bond Index (Medium 3-7) and 20% of the performance of the FTSE Bursa Malaysia Emas Index. These benchmark returns are obtainable from the RAM quantshop website at www.quantshop.com and the Bursa Malaysia website respectively.

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.