Hong Leong PRS Moderate Fund

Investment Objective	The Fund aims to seek capital growth over the long-term while seeking income returns. Note: Any material change to the investment objective of the Fund(s) would require Members’ approval.
Fund Category	Core (Moderate)
Investment Strategy	The Fund seeks to achieve its investment objective by investing in a basket of collective investment schemes that have similar investment objective to the Fund’s investment objective of capital growth over the long-term while seeking income returns. Investments in collective investment schemes will be confined to those managed by the Provider. The Provider will actively monitor the Fund’s investments in selected 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 money market instruments and deposits as a defensive strategy.
Asset Allocation	At least 70% of the Fund’s NAV will be invested into balanced collective investment schemes; and Up to 30% of the Fund’s NAV may be invested into fixed income and/or money market collective investment schemes.
Performance Benchmark	The performance benchmark is a composite of FTSE Bursa Malaysia KLCI (60%) and Malayan Banking Berhad 12 months fixed deposit rate (40%). This composite performance benchmark represents the general asset allocation adopted by the Fund, i.e. 70% in balanced collective investment schemes and 30% in fixed income and/or money market collective investment schemes. 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 interim and annual reports and is also available on the Provider’s website.
Member Profile	The Fund is suitable for Members who: are focused on growing the portfolio steadily and seeking income; have a low to moderate risk tolerance; and want a diversified portfolio of equities and fixed income instruments that may have some foreign exposure Members who are under the Default Option and who are between 45 years to below 55 years, this Fund will be selected for you.
Risks Disclosure	Particular security risk, Credit/default risk, Interest rate risk, Single issuer risk, Collective investment scheme risk, Counterparty risk, Currency risk, Country risk, Derivatives/Structured product risk, Small capitalization risk, Reinvestment risk

Hong Leong Private Retirement Scheme – Conventional (Core Fund)