| Investment Objective |
To provide Members with a Fund that preserves #capital for their retirement needs
#The Fund is not a capital guaranteed nor a capital protected fund.
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| Fund Category | Core (Conservative) – Mixed Asset | |
| Investment Strategy |
The Fund will be investing primarily in local and foreign fixed income instruments (including money market
instruments) such as bonds, corporate bonds, commercial papers and other permitted investments as listed
in Section 5.11 of the Disclosure Document, which will be at a minimum of 60% of the Fund’s NAV. The Provider
will mainly focus on investments in fixed income instruments with a minimum of BBB3 / P2 ratings by RAM or
equivalent rating by other credit rating agencies. The Provider may also invest in fixed income instruments
that are unrated (subject to the Provider’s internal credit analysis) and fixed income instruments that are
rated below the BBB3 / P2 ratings by RAM or equivalent rating by other credit rating agencies. To manage the
risks posed by these types of fixed income instruments, the exposures will be capped at 5% of the Fund’s NAV.
The Fund may invest in derivatives, such as foreign exchange forward contracts and cross currency swaps for hedging purposes. To enhance returns, the Fund may invest in dividend paying equities. Exposure in equities will be capped at a maximum of 40% of the Fund’s NAV and will include investments in Foreign Markets to increase the Fund’s investment and diversification opportunities. The Fund may also invest in collective investment schemes that have similar objectives to the Fund.
#The Fund is not a capital guaranteed nor a capital protected fund.
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| Asset Allocation |
Equities and equity-linked instruments | Minimum of 0% to maximum of 40% of the NAV of the Fund |
| Fixed income instruments (including money market instruments) | Minimum of 60% to maximum of 100% of the NAV of the Fund | |
| Performance Benchmark |
10% MSCI AC World Index 5% MSCI AC Asia ex Japan Index 5% FTSE Bursa Malaysia Top 100 Index 80% Maybank 12-Month Fixed Deposit Rate |
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| Member Profile |
Age group of fifty five (55) years old and above if contribute under Default Option.
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| Risks Disclosure |
Equity investment risk, Credit/default risk, Interest rate risk, Collective investment scheme risk, Currency risk, Country risk, Derivatives risk | |