Hong Leong PRS Islamic Conservative Fund

Investment Objective	The Fund aims capital preservation* while seeking income. *Please note the Fund is neither a capital guaranteed fund nor a capital protected fund. Any material change to the investment objective of the Fund(s) would require Members’ approval.
Fund Category	Core (Conservative)
Investment Strategy	The Fund seeks to achieve its investment objective by investing in a basket of Islamic collective investment schemes which have similar investment objective to the Fund’s investment objective of capital preservation while seeking income. Investments in Islamic collective investment schemes will be confined to those managed by the Provider. The Provider will actively monitor the Fund’s investments in the selected Islamic collective investment schemes to ensure optimal returns while adhering to the Fund’s pre-determined asset allocation. The Provider has the flexibility to rebalance the asset allocation should it deem necessary based on the prevailing market conditions. The Provider may also take temporary defensive positions that may be inconsistent with the Fund’s investment strategy in response to adverse economic, political or any market conditions. In such circumstances, the Fund may hold up to 100% in Islamic money market instruments and Islamic deposits as a defensive strategy.
Asset Allocation	At least 80% of the Fund’s NAV will be invested into sukuk and/or Islamic money market collective investment schemes; and Up to 20% of the Fund’s NAV may be invested into Shariah compliant equity and Shariah-compliant equity-related Islamic collective investment schemes and/or balanced Islamic collective investment schemes.
Performance Benchmark	Malayan Banking 12-month Islamic fixed deposit-i. Information on the benchmark is available at www.maybank2u.com.my. The benchmark is used solely as a reference only. Please note that the risk profile of the Fund is not the same as the risk profile of the performance benchmark. The performance of the Fund against the benchmark is published in the Provider’s semi-annual and annual reports and is also available on the Provider’s website.
Member Profile	The Fund is suitable for Members who: are generally conservative; have a low risk tolerance; and seek capital preservation Members who are under the Default Option and are 55 years old and above, this Fund will be selected for you.
Risks Disclosure	Particular security risk, Credit/default risk, Interest rate risk, Single issuer risk, Counterparty risk, Small capitalization risk, Reinvestment risk, Islamic Collective investment scheme risk, Suspension of repurchased request risk, Shariah status reclassification risk, Shariah non-compliance risk

Hong Leong Private Retirement Scheme – Islamic (Core Fund)