Mutual Gold
Enjoy attractive and exclusive Mutual Gold privileges.Unitholders who have accumulated and maintain a minimum of 150,000 Mutual Gold Qualifying Points (MGQPs) in accounts as the First Holder.
Privileges & Benefits*
*Subject to terms & conditions
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 your needs.
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 Public Bank's website (https://www.pbebank.com) for the terms & conditions and updates.
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*. Please click here for more details.
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 / Mutual Gold Free Takaful for the terms and conditions of this insurance / Takaful coverage.
#This free insurance / Takaful covers Members up to the age of 74. The coverage will cease in the event that your total MGQP drops below 150,000 at any one time.
*Subject to terms and conditions.
Redemption proceeds will be banked in within 2 business days upon processing of your redemption request.
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 can help, and it is free*. For more information, call PB Trustee at 03-2176 6651 or Amanah Raya Berhad at 03-2723 7273.
*For standard Will/Wasiat
Enjoy waiver on switching fees 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 for transfer of units is waived for Mutual Gold Members.
You will receive special invitation to our Mutual Gold Seminars and/or Financial Planning talks.
Mutual Gold Members will stand a chance to win a lucky draw prize during their birthday month.
Enjoy complimentary parking when you visit our Mutual Gold Centre at Menara Public Bank 2, at 78, Jalan Raja Chulan, 50200 Kuala Lumpur.
Mutual Gold Requirement
Mutual Gold benefits and services are customised specially for our individual unitholders. To enjoy these exclusive privileges, all you need to do is to accumulate a minimum of 150,000 Mutual Gold Qualifying Points (MGQPs) to qualify as a Mutual Gold Member, based on the First Registered Holder.
Computation of Mutual Gold Qualifying Points (MGQPs)
One (1) MGQP will be allotted for investments and distribution reinvestments into the following funds:
| Type of Fund | Investment and Distribution Reinvestment^^ |
| Unit Trust Scheme^ | |
| Equity / Mixed Asset / Balanced Funds | RM1 |
| Loaded units, 1%-load & 0.65%-load units of bond/sukuk funds | RM5 |
| Public e-Emas Gold Fund | RM5 |
| Public e-Cash Deposit Fund/Public e-Islamic Cash Deposit Fund* | 1 unit |
| Private Retirement Scheme (PRS) | |
| PRS funds | RM2 |
| ^ | Investments and distribution reinvestments for partial-load units, low-load units and zero-load units are not entitled for MGQPs. |
| ^^ | MGQPs will be deducted upon redemption/withdrawal of units. |
| * | Applicable for Public e-Cash Deposit Fund/Public e-Islamic Cash Deposit Fund-Emergency Reserve Account (PeCDF/PeICDF-ERA), subject to the maximum MGQPs allowed based on the investor’s status. Terms and conditions apply. |
Be a Mutual Gold Member Today!
All you have to do is to accumulate a minimum of 150,000 MGQPs to qualify as a Mutual Gold Member.
Should you require further information, please contact any of our unit trust consultants or the branch nearest to you, or call our Hotline at 03-2022 5000.
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/contributing.
Investors and contributors should understand, compare and consider the risks, fees, charges and costs involved in investing/contributing in the fund. A copy of the Prospectus, Disclosure Document and PHS can be viewed at our website www.publicmutual.com.my.
Investors and contributors should make their own assessment of the merits and risks of the investment/contribution. If in doubt, investors should seek for professional advice. Please refer to www.publicmutual.com.my for our investment disclaimer.