AIA Private Retirement Scheme

Scheme Trustee: Deutsche Trustees Malaysia Berhad

AIA PAM – Conservative Fund

*Please read the scheme’s disclosure document before deciding to make a contribution. If you do not have a copy, please contact the PRS Provider to ask for one or click here to go the PRS Provider’s page.

Investment
Objective		 The fund seeks to provide returns through income* that is consistent with capital preservation**.
*Income will be reinvested in additional units in the fund.
**The fund is not capital guaranteed nor capital protected.
Fund Category Core (Conservative)
Investment
Strategy		 The Fund will invest at least 70% of its net asset value (“NAV”) in fixed income instruments and money market instruments, of which a minimum of 10% of the Fund’s NAV will be invested in money market instruments. The remainder of the Fund’s NAV will be invested in equities and collective investment schemes, of which a maximum of 20% of the Fund’s NAV in collective investment schemes.

The Fund will invest in local and foreign markets.
Asset
Allocation		 Fixed income instruments, money market instruments and/or deposits with financial institutions At least 70% of the Fund’s NAV, of which a minimum of 10% of the Fund’s NAV will be invested in money market instruments and/or deposits with financial institutions
Equities and collective investment schemes The remainder of the Fund’s NAV, of which a maximum of 20% of the Fund’s NAV in collective investment schemes.
Performance
Benchmark		 60% Quant Shop MGS All Bond Index + 10% Malayan Banking Berhad Overnight Rate + 20% FBMT 100 Index + 10% Bloomberg Barclays Global Aggregate Corporate TR Index Unhedged USD.
Member
Profile		 Members who:
  • are seeking returns through income* that is consistent with capital preservation** over the medium to long term*** period; and
  • have a low risk appetite.
*Income will be reinvested in additional units in the fund.
**The fund is not capital guaranteed nor capital protected.
***“medium to long term” means a period of 3 years and above.

For members under the Default Option who are 55 years old and above, their contributions will be allocated into this Fund.
Note: Where a member under the Default Option makes the first contribution to the Scheme a month before the member attains the age of 55 years old, the member’s contribution will be allocated into this Fund instead.
Risks
Disclosure		 Credit/default risk, Interest rate risk, Particular security risk, Country risk, Currency risk
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