The Malay proverb “sikit-sikit, lama-lama jadi bukit” suggests that any amount of money, if saved diligently, will grow into a substantial amount over time. But saving alone is not enough to build your wealth. You should start investing your hard-earned money. All you need is #RM10je to begin your investment journey with us!

Seed Your Success, #RM10je at a Time
Begin investing #RM10je in our Public e-Cash Deposit Fund (PeCDF) / Public e-Islamic Cash Deposit Fund (PeICDF). With PeCDF / PeICDF, you can earn daily accrued returns. And, these returns are potentially higher than that of savings or current accounts.

You should also continue investing regularly by capitalising on Public Mutual’s Direct Debit Authorisation (DDA) facility to experience the power of compounding. Once you have accumulated sufficient units, you can switch to other equity / balanced / mixed asset funds with as low as RM100.

Build Your Emergency Fund
Besides that, you can also earmark your PeCDF/PeICDF account as an Emergency Reserve Account (ERA), where the #RM10je you invested could grow into the lifeline you need tomorrow.

By earmarking your PeCDF / PeICDF account as an ERA, you can also enjoy the following benefits:

• Highly liquid, allowing you to easily redeem your units in PeCDF/PeICDF if the need arises. Redemption proceeds will be credited into your bank account within the next business^{^} day
• You can enjoy greater stability as the funds pose very low risk
• You can get free insurance / takaful coverage^{^^}
• You can also earn Mutual Gold Qualifying Points (MGQPs) when you designate your PeCDF / PeICDF account as your Emergency Reserve Account (ERA)^*

^{^} If you execute your redemption request using Public Mutual Online (PMO) and provide us with your bank account details (subject to bank clearance).
^{^^} Terms and conditions apply.
^* You can find out more on the ERA here.

Investors are advised to read and understand the contents of the Prospectus of Public e-Cash Deposit Fund and Prospectus of Public e-Islamic Cash Deposit Fund dated 28 August 2023 and the relevant funds’ Product Highlights Sheet (PHS) before investing. Investors should understand, compare and consider the risks, fees, charges and costs involved in investing in the funds. A copy of the Prospectus and PHS can be viewed at our website. Investors should make their own assessment of the merits and the risks of the investment. If in doubt, investors should seek professional advice. Please refer to our investment disclaimer