No. 1* In Unit Trust & Private Retirement Scheme

mutual gold636343839921780957

MG Chair636343840065361426


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



Mutual Gold

An Exclusive Co-Brand Mutual Gold- PB Visa Platinum Credit Card
  1. Get a Free-for-Life Co-Brand Mutual Gold-PB Visa Platinum Credit Card*
  2. PB Cash MegaBonus for local and overseas retail purchases.*
  3. 0.3% Mutual Gold Cash Bonus for local and overseas retail purchases. *
    Subject to a maximum payment of RM100 which will be credited to your card account on your birthday month.
*Please refer to PBB website at for terms and conditions and updates.
Free Insurance Coverage of up to RM500,000
Enjoy free Conventional or Takaful Group Personal Accident with Permanent Disability (PAPD) Insurance coverage* of RM1.00 for every 1 Qualifying Point 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 Qualifying Points 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.
Complimentary Magazine Choose a complimentary magazine in the language of your choice (English - ‘Calibre’ or Chinese - ‘Feng’) to keep you informed on the best that life has to offer.
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 Write your Will/Wasiat with PB Trustee Services Berhad to ensure:-
  • The distribution of assets is in accordance to your wishes
  • Faster distribution of your estate at lower cost
  • Delivery of final message to your loved ones
Free Trust Nominations Enjoy up to 5 free Trust Nominations with PB Trustee to ensure your hard earned investments are passed on to your loved ones without having to go through the lengthy process of Probate or Letter of Administration.
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 unlimited free switching executed via Public Mutual Online (PMO) and up to 15 free switching entitlement per annum for switching requests submitted via form or over the counter.
The above free switching is applicable only for switching made after 90 days from the date of purchase or switching into that fund.
Administration Fee Waiver Administration fee for transfer of units is waived for Mutual Gold Members.
Invitation to Mutual Gold Seminars / Talks Receive special invitation to our Mutual Gold Seminar.
Exclusive Mutual Gold Centre Attend to your investment needs in the comfort and privacy of our Mutual Gold Centre.
Dedicated Mutual Gold Hotline You can be assured of quick and priority service whenever you call.
Mutual Gold Special Birthday Draw Mutual Gold members will stand a chance to win a lucky draw prize during their birthday month.

* Subject to terms & conditions.


How do unitholders
accumulate MGQP?

Computation of Mutual Gold Qualifying Points (MGQP):

  • RM1.00 worth of investment into equity/ balanced/ mixed asset funds of unit trust scheme is allotted 1 MGQP.
  • Every RM2.00 of contribution into PRS funds is allotted 1 MGQP.
  • Investment into bond and money market funds of unit trust scheme are not entitled for MGQP.
  • Distribution reinvestment and unit splits are not entitled for MGQP.
  • MGQP will be deducted upon redemption/ withdrawal of unit trust investment and PRS contribution.

Be a Mutual Gold Member

For existing unitholders, all you have to do is top up your investments into equity/ balanced/ mixed asset funds of unit trust scheme and contribute to any of our PRS funds to a minimum of 150,000 MGQP in order to qualify and enjoy the privileges and benefits of a Mutual Gold Member!