No. 1* In Unit Trust & Private Retirement Scheme


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Unitholders who have accumulated and maintained a minimum of 150,000 Mutual Gold Qualifying Points (MGQP) in accounts as the First Holder



Mutual Gold

Prompt and Exclusive Service We have arranged a dedicated Hotline for you, so you can be assured of quick and immediate service whenever you call.

You will also enjoy the privilege of conducting your investment needs in the privacy and comfort of our exclusive Mutual Gold Centre. Enjoy a drink and relax in the comfort and ambience of our Centre while we attend to you.
An Exclusive Co-Brand Mutual Gold- PB Visa Platinum Credit Card
Get a Free-for-Life Co-Brand Mutual Gold-PB Visa Platinum Credit Card* for as long as you maintain your Mutual Gold status. With this exclusive co-brand card, you will enjoy benefits such as:
  1. Annual fee waiver
  2. PB Cash MegaBonus for selected retail purchases.**
  3. 0.3% Mutual Gold Cash Bonus for selected retail purchases**
    subject to a maximum payment of RM100 which will be credited to your card account on your birthday month.
*Approval of the Co-Brand Credit Card is subject to the Bank’s credit evaluation.

**Please refer to PBB website ( for terms and conditions and updates.
Free Insurance/Takaful Coverage
Enjoy free Conventional or Takaful Group Personal Accident with Permanent Disability (PAPD) Insurance coverage# of RM1.00 for every 1 MGQP subject to a maximum coverage of RM500,000*.
# This free insurance covers Members up to age 74. The coverage will cease in the event that your total MGQP drop below 150,000 at any one time.

You will be covered under the free Conventional Group PAPD unless you opt for the Takaful Group PAPD. Please refer to our Mutual Gold Free Insurance / Takaful brochure for the terms and conditions of this insurance / Takaful coverage.

* Subject to terms and conditions.
Complimentary Magazine You have a choice of a complimentary magazine in either English, ‘Calibre’ or Chinese, ‘Feng’. Both magazines will keep you informed on the best that life has to offer; featuring lifestyle articles on travel, dining, health, personal finance and much more!
Redemption proceeds Within Two Business Days Redemption proceeds will be banked in within 2 business days to your bank account registered with Public Mutual.
Free Will/Wasiat Writing Services Spell out your wishes clearly so that your loved ones are not hassled when the time comes. Get your Will/Wasiat written now. PB Trustee and Amanah Raya Berhad (ARB) can help, and it is free.*

For more information, call PB Trustee at 03-2176 6651 or ARB at 1-800-888-272.

*For standard Will/Wasiat
Free Trust Nominations You can ensure that your unit trust investments are distributed to your named beneficiaries by setting up Trust Nomination. As a Mutual Gold Member, you can enjoy up to 5 free Trust Nominations.
PB Hibah Through PB Hibah, Muslim Mutual Gold members can nominate beneficiary(ies) for their unit trust investments in Shariah approved funds. Muslim Mutual Gold members who set up PB Hibah may set off part of the fees from the unutilised 5 free Trust Nominations.

For more information, call PB Trustee at 03-2176 6651.
Free Switching Entitlement Enjoy waiver of switching fee for up to 15 switches of loaded units and 1%-load units which are made after 90 days (from the date of purchase), subject to terms and conditions.
Administration Fee Waiver Administration fee for transfer of units is waived for Mutual Gold Members.
Mutual Gold Seminars You will receive special invitation to our Mutual Gold Seminars and/or Financial Planning talks.
Mutual Gold Special Birthday Draw Mutual Gold Members will stand a chance to win a lucky draw prize during their birthday month.
Complimentary Car Park Enjoy complimentary car park when you visit our Mutual Gold Centre at Menara Public Bank 2 at 78, Jalan Raja Chulan, 50200 Kuala Lumpur.

* Subject to terms & conditions.


Mutual Gold Requirement

Mutual Gold benefits and services are customized specially for our individual unitholders. To enjoy these exclusive privileges, all you need to do is to accumulate a minimum investment of 150,000 Mutual Gold Qualifying Points (MGQP) to qualify as a Mutual Gold, based on the First Registered Holder.

Computation of Mutual Gold Qualifying Points (MGQP):

Unit Trust Scheme

  1. Every RM1 investment and distribution reinvestment into loaded units of equity/mixed asset/balanced funds is allotted 1 MGQP.
  2. Every RM5 investment and distribution reinvestment into loaded units and 1%-load units of bond/sukuk funds is allotted 1 MGQP.
Private Retirement Scheme (PRS)

  1. Every RM2 contribution and distribution reinvestment into PRS funds is allotted 1 MGQP.
Investments and distribution reinvestments for partial-load units, low-load units and zero-load units are not entitled for MGQP.

MGQP will be deducted upon redemption/withdrawal of units.

Be a Mutual Gold Member Today!

All you have to do is to accumulate up to 150,000 MGQP to qualify as a Mutual Gold Member.

Should you require further information, please contact any of our unit trust consultants or branch nearest to you or call our Hotline.

Public Mutual reserves the right, at its sole and absolute discretion, to change, modify, withdraw and / or enhance 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.