Welcome to Amanah Mutual Berhad


	AMB UNIT TRUST FUND (AMBUTF)
Type of Fund	Growth Fund
Category of Fund	Equity Fund
Trustee	Universal Trustee (Malaysia) Berhad (17540-D)
Investment Manager	UOB-OSK Asset Management Sdn. Bhd. (219478-X)
Investment Philosophy	AMBUTF is an equity fund that consists of a diversified portfolio of blue chip and high growth stocks listed on the Bursa Malaysia. By investing in a diversified portfolio of blue chip and high growth stocks in Malaysia, AMBUTF provides a better spread of investments than could be achieved by investors with a small amount of money to invest.
Investment Objective	The primary objective of AMBUTF is to achieve a steady long-term income (over 5 years) and capital growth through a diversified portfolio of equity investments in larger capitalised stocks (prime focus on main market and liquid stocks). Any material change to the investment objective of the Fund would require Unit Holders’ approval.
Approved Fund Size of AMBUTF	The approved fund size for AMBUTF is 1.5 billion Units.
Investor Profile	AMBUTF is particularly suited to investors who are seeking a diversified portfolio of equity investment. Our investment team aims to maintain a portfolio of stocks, listed on the Bursa Malaysia, which have a strong potential for growth. AMBUTF is appropriate for investors who are attracted to the share market by the prospect of capital gains and dividends but are discouraged by the need to be kept informed of market developments and constant monitoring of their investments. The Fund is suited to an investor who has an investment horizon of 5 years or more.

Benefits for Investors	Shares historically provided returns superior to other investment instruments over the long term. The volatility of returns associated with this type of investment is reduced by diversifying the Fund’s investments across a variety of companies operating in different industries.

Specific Benefits of Investing in AMBUTF	Free Insurance Protection Coverage for AMBUTF Eligible Unit Holders (natural persons) of AMBUTF will be given free Group Personal Accident (GPA) insurance with Total Permanent Disability (TPD). 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 AMBUTF. Affordability Investors can invest with just RM1,000 as 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 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 40% max 90% in equities Min 10% in liquid assets The equity 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: Where there is a sharp downturn in the equity market; When there is insufficient liquidity in equity for the Fund to transact efficiently; and/ or When there is redemption affecting the liquidity position of the Fund.

Performance Benchmark	The performance of AMBUTF is benchmarked against 90% of the performance of the FTSE Bursa Malaysia KLCI and 10% of the 1-month fixed deposit rate of commercial banks, which are obtainable from the Bursa Malaysia website and the Bank Negara website respectively. ( With effect from November 17, 2008 )

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.