Public Mutual reserves the right, at its sole and absolute discretion, to change, modify and / or withdraw at any time any or all of the above benefits or privileges, either generally or specifically (i.e. to all investors or any particular investor or class or group of investors), without prior notice and / or having to assign any reasons whatsoever.

Public Mutual reserves the right, at its sole and absolute discretion, to modify, change or vary the terms and conditions pertaining to the awarding and withdrawal of Mutual Gold Qualifying Points (MGQP) at any time and/or to cancel, terminate, discontinue or suspend any or all tiers of the Exclusive Privileges, either generally or specifically (i.e. to all investors or any particular investor or class or group of investors), without prior notice and/or having to assign any reasons whatsoever.

Investors and contributors are advised to read and understand the contents of the Prospectus, Disclosure Document and the relevant fund’s Product Highlights Sheet (PHS) before investing. 

Investors and contributors should understand, compare and consider the risks, fees, charges and costs involved in investing in the fund. A copy of the Prospectus, Disclosure Document and PHS can be viewed at our website www.publicmutual.com.my.  

Investors should make their own assessment of the merits and risks of the investment. If in doubt, investors should seek for professional advice. Please refer to www.publicmutual.com.my for our investment disclaimer.