CAMPAIGNS & PROMOTIONS

Ringgit-cost averaging is the simple strategy of investing a fixed sum of money into a selected unit trust fund over a period of time, regardless of the market cycles. This strategy enables investors to focus on the long-term investment goal and not worry about the prevailing level of the market. By investing a fixed amount on a regular basis, you will buy more units when the market is lower and fewer units when the market is higher. This strategy will produce a lower average cost of investment than the average market price over any given period.

 
Our RCA Scheme is designed to help you put the Ringgit-cost averaging strategy into practice.

Submit your RCA Instruction Request Form within the campaign period and enjoy Special Service Charge of 5% when you switch* investments from Public Money Market Fund (PMMF)** or Public Islamic Money Market Fund (PIMMF)** into any of the Public Series of equity/balanced/mixed asset funds.

 ^ Subject to change
*  Switching from a Shariah-based fund to a conventional fund is discouraged for Muslim unitholders
** All investments into the Public Money Market Fund (PMMF) or Public Islamic Money Market Fund
    (PIMMF) under the RCA campaign will be subject to normal service charge of 0.25%
 

Rules & Regulations:

 1.  The RCA Instruction Request Form must be submitted together with a copy of the validated bank-in slip of investment into PMMF or PIMMF and investment application form for initial investment (if applicable), at Public Mutual Head Office or branches.

2.  The minimum amount to be placed into PMMF or PIMMF to effect a RCA Scheme transaction is RM10,000 per fund. The minimum amount to be auto-switched is set at RM1,000 per transaction per month for tenure of 10 consecutive months.

3.   The RCA Scheme transaction will take effect over tenure of 10 consecutive months (10 transactions). The transaction will be executed on the 10th of each month, with the first transaction commencing on the 10th of the following month upon receipt of the duly completed RCA Instruction Request Form. In the event that the 10th is not a business day, the transaction will be executed on the next business day.

4.    The unitholder(s) and the servicing UTC of the ‘switch from’ and ‘switch to’ accounts must be the same.

5.   The signature(s) on the RCA Instruction Request Form must be in line with the ‘Authority to Operate Account’ and same with the specimen signature(s) in Public Mutual’s record.

6.  Unitholder(s) must ensure that sufficient amount is kept in the ‘switch from’ account during the RCA  tenure to meet the monthly amount to be transacted.

7.   EPF investments are not applicable for this scheme.

Disclaimer:

• The unitholder(s) shall indemnify and shall keep Public Mutual fully indemnified against all losses, damages, fees, costs, charges and expenses which Public Mutual may sustain or incur and which shall have arisen either directly and indirectly out of or in connection with carrying out the RCA transaction or participating in the campaign.
  
• The company reserves the right to modify the Rules & Regulations herein specified or cancel, terminate, suspend the campaign without prior notice.
  
• In the event where there is any inconsistency(ies), conflict(s), ambiguity(ies) or discrepancy(ies) between the English and Mandarin and/or Bahasa Malaysia versions of the Rules & Regulations, the English version will prevail only in respect of such inconsistency(ies), conflict(s), ambiguity(ies) or discrepancy(ies).
  
  

You are advised to read and understand the contents of the Master Prospectus of Public Series of Funds and Master Prospectus of Public Series of Shariah-Based Funds dated 30 April 2011, Prospectus of Public Singapore Equity Fund dated 7 June 2011, Prospectus of Public Islamic Treasures Growth Fund and Public Sukuk Fund dated 19 July 2011, before investing. These Prospectuses have been registered with the Securities Commission who takes no responsibility for their contents, and neither should their registration be interpreted to mean that the Commission recommends the investment.

You should note that there are fees and charges involved; and that the prices of units and distribution payable, if any, may go down as well as up. Past performance of a fund is not an indication of its future performance. Applications to purchase units must come in the form of a duly completed application form referred to in and accompanying the Prospectuses. A copy of the above Prospectuses can be obtained from your attending unit trust consultant or nearest Public Mutual branch.