| Investment Objective |
The fund seeks to provide returns through a combination of income* and capital growth.
*Income will be reinvested in additional units in the fund.
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| Fund Category | Core ( Moderate ) | |
| Investment Strategy |
The Fund will invest in equities that are trading below their fair value and equities
offering a dividend yield above the market average. The Fund will invest in local and
foreign markets.
The Fund will also invest at least 35% of its net asset value (“NAV”) in local fixed income instruments with a minimum credit rating of “BBB3” or “P2” by RAM or equivalent rating by MARC, money market instruments and/or deposits with financial institutions. |
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| Asset Allocation |
Equities | Up to 65% of the Fund’s NAV |
| Local fixed income instruments, money market instruments and/or deposits with financial institutions | At least 35% of the Fund’s NAV | |
| Performance Benchmark |
25% FBMT 100 Index + 15% MSCI AC Asia Ex-Japan Index + 40% Quant Shop MGS All Bond Index + 20% MSCI World Index. | |
| Member Profile |
Members who:
Note: “medium to long term” means a period of three (3) years and above.
For Members under the Default Option who have attained the age of 45 years but are not yet 55 years old, 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 45 or 55 years old, as the case may
be, the Member’s contribution will be allocated into the AIA PAM – Moderate Fund or
AIA PAM – Conservative Fund, as the case may be.
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| Risks Disclosure |
Credit/default risk, Interest rate risk, Particular security risk, Country risk, Currency risk | |