PMB DANA MUTIARA

• You are investing in a unit trust fund constituted in Malaysia that aims to provide investors with steady return and to achieve capital growth in the medium to long term by investing in equities and xed income securities that conform to the Shariah principles.
• You may receive distribution (if any) from the Fund, subject to the availability of income for the nancial period. The distribution may be in the form of cash or additional units.

• You are investing in a unit trust fund constituted in Malaysia that aims to provide investors with steady return and to achieve capital growth in the medium to long term by investing in equities and xed income securities that conform to the Shariah principles.
• You may receive distribution (if any) from the Fund, subject to the availability of income for the nancial period. The distribution may be in the form of cash or additional units.

• Investor appoints PMB Investment to manage and invest the Fund under the Islamic contract of ‘Wakalah’ or Agency
• PMB Investment is appointed to undertake the investment activities on behalf of the investors for ‘Ujrah’ or fee.

• PMB Investment Berhad: the Manager of the Fund
• AmanahRaya Trustees Berhad: the Trustee of the Fund
• BIMB Securities Sdn Bhd: the Shariah Adviser of the Fund

As the Fund will invest primarily in the equity market, its NAV and hence your investment capital will be subject to the market fluctuation.

*Assuming as a result of the market movement, the Fund and your investment may possibly end with the following outcomes:

• The value of your investment, and the distribution payable, may go down as well as up.
• The return of the Fund is not guaranteed.

The performance of the Fund is subject to the volatility of the stock market which is influencedby the changes in the economic and political climate, profit rate, international stock market performance and regulatory policies.

The movement of the value in the underlying investment portfolio will affect the NAV of the Fund. Any downward movement of the value will negatively impact the NAV of the Fund.

Prices of a particular stock may fluctuate in response to the circumstances affecting individual companies such as adverse financial performance, news of a possible merger or loss of key personnel of a company.

Any adverse price movements of such stock will adversely affect the fund’s NAV.

The value of the equity-related securities depends on the value of the underlying equities that the securities are related to. Any upward movement in the value of the underlying equities may result an upward movement of the value of the respective equity-related securities, and vice versa.

Hence, the movement of the value of the equity-related securities will affect the value of the Fund.

This risk refers to the risk that the currently held Shariah-compliant equities in the Fund may be reclassified as Shariah non-compliant in the periodic review of the equities by the SAC, the Shariah adviser or the Shariah boards of the relevant Islamic indices. If this occurs, the Manager will take the necessary steps to dispose such equities. There may be opportunity loss to the Fund due to the Fund not being allowed to retain the excess capital gains derived from the disposal of the Shariah non-compliant equities. In such an event, the Fund should :–

1. dispose of the securities within one month if the value of the securities exceeds or is equal to the investment cost on the date of announcement of the List of Shariah compliant securities by the SAC. The Fund is allowed to keep dividends received and capital gain from the disposal of the securities up to the date of announcement of the .List of Shariah-compliant securities by the SAC. However, any dividends received and excess capital gain from the disposal of Shariah non-compliant securities after the date of announcement of the List of Shariah-compliant securities by the SAC should be channelled to baitulmal and/or approved charitable bodies;
2. hold the respective securities if the market price of the said securities is below the investment cost, until the total subsequent dividends received (if any) and the market price or value of the securities is equal to the cost of investment at which time disposal has to take place within a month of attaining investment cost; or
3. dispose of the securities at the price lower than the investment cost which will result the decrease in the Fund’s value.

This is a risk particular to the fund which has heavy emphasis on high yield dividend stocks.Such a risk may occur when fundamentals of the company’s business deteriorate or if there is a change in the dividend payout policy resulting in a reduction of the dividend to be paid by the company.

This risk may be mitigated by investing mainly in companies with a consistent historical record of paying dividends, strong cash flow, or operating in fairly stable industries.

# Please refer to Chapter 3,6 & 7 of the Master Prospectus for further information on product specific risks.

You will need to pay the following fees and charges as a percentage of your gross investment sum:

*Note: In addition, the above fees and charges are subject to the GST at the prevailing rate.