Investor Guide - Investment

Individuals (Malaysians and non-residents of Malaysia) aged 18 and above are eligible to invest in Public Mutual's funds.

On top of that, our funds are also open to corporate investors.

Prospective investors must register as a new investor with Public Mutual before they can proceed with an investment.

Before investing, it is important for investors to read the Prospectus and Product Highlights Sheet (PHS) of the intended fund and seek clarification on any matters that the investors may have concerns about.

Click here to find the Prospectus and Product Highlights Sheet (PHS) of our funds.

An initial investment or additional investment transaction which has been performed successfully will be processed within 3 business days upon Public Mutual's receipt of the completed Investment Application form / bank-in slip / transaction via electronic channels.

Individual Investors

Investors (including joint holder and designated account holder) who are first-time investors with Public Mutual have to be registered as a new investor before they can proceed with their investment.

Registering as a new investor can be done via our Public Mutual website (for Malaysian residents aged 18 and above with a registered account with a local bank) or through manual form submission at any of Public Mutual or Public Bank's branches.

You may click here to register online as an Investor.

You may also contact your Unit Trust Consultant / PRS Consultant / Financial Executive for assistance and further guidance on New Investor Registration.

Corporate Investors

Corporate investors must submit the required forms/documents along with a photocopy of the completed Investment Application Form to the nearest Public Mutual branch for approval before banking in the investment.

You may contact your Unit Trust Consultant / PRS Consultant / Financial Executive for assistance.

The sales charges imposed on purchases of units for different categories of funds are as follows:-

Equity / Mixed Asset

/ Balanced Funds

Bond / Sukuk

/ Fixed Income Funds

Money Market Funds

(applicable for all classes)

Purchase of units through UTCs and the Manager:

Up to 5.0% of NAV per unit

Investments under the EPF-MIS will be levied a sales charge of up to 3% of NAV per unit, as regulated by EPF.

Up to 1.0% of

NAV per unit

Nil

The Manager may at its discretion charge a lower sales charge based on the size of investment and/or other criterion as may be determined from time to time.

Yes, a sales charge will be imposed on all purchases of units of the fund.

Our fund prices are published and updated on our website on a daily basis.

To check the fund prices, click here or visit our website under FUNDS > Fund Prices > UT Fund Prices or PRS Fund Prices.

For local funds with no foreign investments, the fund prices will be published on our website at the end of the same business day from 8:00 pm onwards.

For funds with foreign investments, the fund prices will only be published on the next business day from 12:00 pm onwards.

Investments can be made via the following channels:

i) Public Mutual Online (PMO)

ii) PMO PLUS

iii) Over the counter at Public Bank branches

Public Mutual Online (PMO)

For PMO subscribers, you may proceed to invest through PMO.

Please log in to Public Mutual Online (PMO) and follow the steps below should you wish to invest:

1) Click ‘Open Account’ (for initial investment) / ‘Top Up’ (for additional investment).

2) Choose Investment Scheme (Cash, or Private Retirement).

3) Select your preferred Fund Name (for initial investment) / Fund Account Number (for additional investment).

4) Fill in the investment details and Select Bank Account for Payment* and click ‘Proceed’.

5) Read and understand the Terms & Conditions, Product Highlights Sheet and Prospectus/Information Memorandum of the selected Fund and click 'Proceed'.

6) Log in to your selected bank's online banking page and make your investment payment*.

7) View and print the digital receipt (if required).

Unitholders are required to pre-register the bank account (Other Bank Account) for the payment of their online investments and family members’ investments with Public Mutual.

*Please ensure that the bank account selected is the same as the bank account which will be used for payment of the investment.

PMO PLUS

PMO subscribers can also invest using our mobile app, PMO PLUS.

PMO subscribers must use their PMO User ID and Password to log in to PMO PLUS.

Steps to invest via PMO PLUS are the same as investing via PMO.

Over the counter at Public Bank Branches

We wish to inform that all payments for investments banked-in at Public Bank branch counters must be made from your bank account or personal cheque.

Investments via cash or banker's cheque will not be accepted.

Forms/documents required:
i) Investment Application Form (for initial investment) / Public Mutual’s Bank-in Slip (for additional investment)
ii) Personal Cheque made payable to ‘Public Mutual Berhad’ followed by Name & MyKad/Passport Number of First Holder.

Separate cheques are required for each investment application made.

Investors are advised not to make payments in cash nor deposit or transfer money into the bank account of any of our Public Mutual staff and Unit Trust Consultants / PRS Consultants / Financial Executives.

Investors are also advised to retain the 'Customer Copy' of the Investment Application Form / Public Mutual’s Bank-in Slip with the bank’s imprint for their own records and future reference.

Yes, an account can have 2 account holders; the First Holder & Joint Holder.

You may refer below for our types of investment fund accounts.

Single / Individual Account	Single / individual account means the account is registered under the First Holder’s sole name.
Joint Account	An account can have two (2) account holders, namely a First Holder and a Joint Holder. For joint accounts, both the First Holder and Joint Holder must be aged 18 years old and above. The account holders of a joint account can choose either one (1) of the following Authority To Operate accounts: i) First Holder To Sign ii) Either One To Sign - The First Holder OR Joint Holder is authorised to perform transactions such as switching of funds and redemption of units. - For redemption of units, the redemption proceeds will be made payable to the First Holder’s name and will be credited into the First Holder’s bank account. iii) Both To Sign - BOTH the First Holder and Joint Holder are required to walk in to any Public Mutual branch to perform and authorise transactions. - For redemption of units, the redemption proceeds will be made payable to BOTH Unitholders and will be credited into their joint bank account.
Designated Account	A minor below the age of 18 cannot invest as a First Holder. He/She can invest as a Designated Account Holder with a First Holder who is aged 18 years old and above.
Corporate Account	A corporate account is an account opened by a corporate investor.

Yes, you as a First Holder (FH) may add your family members as a Joint Holder (JH) to your single name account(s) under the cash scheme (unit trust).

Before adding a new family member to your single name account(s), you must first Maintain Family Relationships with the family member via PMO.

You can maintain family relationships for investment-related services for family members who are your parent, spouse, child, sibling, grandparent, or grandchild aged at least 18 years old and who are also PMO subscribers.

You can also maintain family relationships for your child or grandchild who is a minor, i.e. below the age of 18 years old.

The process of adding a Joint Holder to Single-Name Accounts must be made via Public Mutual Online (PMO).

Please log in to Public Mutual Online (PMO) and follow the on-screen instructions:

Step 1: First Holder to click on Menu Button > Select 'Your Joint Holders' > Click on 'Maintain Family Relationships'

Step 2: Joint Holder to click on Menu Button > Select 'Consent' > Click on 'Consent as Family Member'

Step 3: First Holder to click on Menu Button > Select 'Your Joint Holders' > Click on 'Add Joint Holder to Single Name Account(s)'

Statements are available electronically on Public Mutual Online (PMO).
You may log in to PMO and select ‘Statements’ to retrieve and view your statements.

If you would like to have hard copy statements, you can submit your request as follows:

Non-PMO subscriber

Submit a written request through:

a) Email to customer@publicmutual.com.my

b) Letter to Public Mutual’s Head Office, Customer Service Centres & branches

Click here for our branch locations.

PMO subscriber

Log in to PMO and click on the Menu icon (on the top panel of the PMO screen) > Click ‘Services’ > ‘Request Hard Copy Statements’ > select ‘Yes’ and select the statement type as follows:

· Statement of Transaction

· Interim Statement

· Interim Statement & Report

· Annual Statement

· Annual Statement & Report

Notes:
> Hard copy statements/reports are not applicable for the e-Series of Funds.
> Hard copy statements/reports will be made available in the next statement cycle after the request is received by Public Mutual.

Local Funds

(i.e. funds with no foreign investments)

Valuation of funds is conducted on each business day at the close of Bursa Securities.

Funds with foreign investments

Valuation is conducted after the close of business of Bursa Securities for the relevant day.

As certain foreign markets in which the funds may invest in have yet to close due to the different time zones of the countries, the valuation point may be extended until 9:00 a.m. (or any other such time as may be permitted by the relevant authorities from time to time) on the following day in which the Manager is open for business.

Forward Pricing

Both the purchase and redemption transactions are traded at prices next determined. A request issued by you to purchase or redeem units of the fund will be carried out at a price as at the next valuation point after the application is received and accepted by the Manager.

Investments banked in over the counter at Public Bank's branches on any business day (before 4:00 pm) will be processed based on the net asset value (NAV) determined for the same business day.

Investment payments received via electronic channels; i.e. PMO and PMO PLUS, before or at 4:00 pm on any business day will be processed based on the price determined for the same business day; whilst payments received after 4:00 pm will be processed based on the price determined for the next business day. Any investments transacted on a non-business day will be transacted on the following business day.

Investment

Who can invest with Public Mutual?

How do I become an investor with Public Mutual?

What are the fees and charges imposed on my investments?

I have paid sales charge for my initial investment. Will there be sales charge for additional investments?

How to check daily fund prices?

How do I make payment for my investment?

Can an account have more than one unitholder?

Can I as a First Holder (FH) add a Joint Holder (JH) to single name accounts?

Will I receive any statement for my investment?

What is the fund prices' valuation point and cut-off time for my transaction?