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While shaping your financial future, you will unlock a suite of exclusive privileges and value-added-benefits — |
Introducing the new
| Our Privilege Circle Tiers | |
| Tiers | Mutual Gold Qualifying Point (MGQP) Bands |
 |
150,000 < 600,000 |
 |
600,000 < 1,500,000 |
 |
1,500,000 < 3,000,000 |
 |
3,000,000 < 10,000,000 |
 |
10,000,000 and above |
Five redefined tiers, designed to honour every milestone and make your path ahead even more rewarding. So you can:
GROW
your wealth with an exclusive lifetime sales charge privilege and share it with your loved ones.
Both you and your family can enjoy the special sales charge of as low as 1% for life, to create a legacy that lasts beyond a lifetime.
PROTECT
what you’ve built with up to RM1,200,000 in insurance or Takaful coverage; and
INDULGE
in lifestyle privileges with up to 9 thoughtfully curated gifts, for selected members to choose from, in celebrating your journey.
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 |
| 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. |
Investors and contributors are advised to read and understand the contents of the Prospectus, Supplemental Prospectus, Disclosure Document, Supplemental 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, Supplemental Prospectus, Disclosure Document, Supplemental 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.
Enjoy attractive Mutual Gold privileges.
Unitholders who accumulate and maintain a minimum of 150,000 Mutual Gold Qualifying Points (MGQPs) in their accounts as the First Holder.
| Mutual Gold Qualifying Point (MGQP) Band | 150,000 < 600,000 |
Privileges & Benefits*
*All privileges and benefits listed below are subject to terms & conditions and eligibility criteria.
GROW Your Wealth
Mutual Gold Members enjoy a Special Sales Charge of as low as 4.75% for the Public/PB Series of Funds and 3.60% for the e-Series of Funds.
Mutual Gold with membership of 1 year or less
Enjoy the Special Sales Charge for up to 4 investment transactions.
The Special Sales Charge applies to initial investments and additional investments only. The “Special Sales Charge” promo code/voucher in PMO/PMO PLUS will be valid for 1 year.
Mutual Gold with membership of more than 1 year
You may enjoy the Special Sales Charge for an unlimited number of investment transactions.
The Special Sales Charge applies to initial investments, additional investments, Direct Debit Authorisation (DDA) and switching transactions.
Enjoy a 3.00% Special Sales Charge when investing in equity/mixed asset/balanced funds and 0.65% for bond/sukuk funds with NO LIMITS to the investment amount, up to six (6) times, for two (2) consecutive months starting from your birthday month.
Redemption proceeds will be banked in within 2 business days upon the processing of your redemption request.
Enjoy a 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).
Administration fee for transfer of units and adding a joint holder is waived for Mutual Gold Members.
PROTECT What You Have Built
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 Privilege Circle Free Insurance/Privilege Circle Free Takaful sections 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 if your total MGQP drops below 150,000 at any point of time.
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 Services Berhad (PBTSB) and Amanah Raya Berhad (ARB) can help, and it is free*.
For more information, call PBTSB at 03-2177 3127 or ARB at 03-8600 9850.
* For standard Will/Wasiat
INDULGE Your Lifestyle
Stand a chance to win a lucky draw prize during your birthday month.
Get a Free-for-Life Co-Branded Mutual Gold-PB Visa Platinum Credit Card* for as long as you maintain your Mutual Gold status. With this exclusive co-branded card, you will enjoy benefits such as:
* Approval of the Co-Branded Credit Card is subject to the Bank’s credit evaluation. |
Receive special invitations to our Privilege Circle Seminars and Financial Planning talks.
We have arranged a dedicated Privilege Circle 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 Privilege Circle Centre. Enjoy a drink and relax in the comfort and ambience of our Centre while we attend to your needs.
Enjoy complimentary parking when you visit our Privilege Circle Centre at Menara Public Bank 2, located at 78, Jalan Raja Chulan, 50200 Kuala Lumpur.
Mutual Gold Requirement
The 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.
Step up to the Privileges of Mutual Elite.
Unitholders who accumulate a total MGQP of 600,000 and above will be elevated to the status of Mutual Elite. As a Mutual Elite Member, you get to enjoy all the benefits of Mutual Gold and MORE.
| Mutual Gold Qualifying Point (MGQP) Band | 600,000 < 1,500,000 |
Additional Privileges & Benefits*
*All privileges and benefits listed below are subject to terms & conditions and eligibility criteria.
GROW Your Wealth
Mutual Elite Members enjoy a Special Sales Charge of as low as 4.50% for the Public/PB Series of Funds and 3.50% for the e-Series of Funds.
Mutual Elite with membership of 1 year or less
Enjoy the Special Sales Charge for up to 6 investment transactions.
The Special Sales Charge applies to initial investments and additional investments only. The “Special Sales Charge” promo code/voucher in PMO/PMO PLUS will be valid for 1 year.
Mutual Elite with membership of more than 1 year
You may enjoy the Special Sales Charge for an unlimited number of investment transactions.
The Special Sales Charge applies to initial investments, additional investments, Direct Debit Authorisation (DDA) and switching transactions.
Enjoy a 3.00% Special Sales Charge when investing in equity/mixed asset/balanced funds and 0.65% for bond/sukuk funds with NO LIMITS to the investment amount, up to eight (8) times, for two (2) consecutive months starting from your birthday month.
Enjoy switching fee waivers for up to 25 switches of loaded units and 1%-load units which are made after 90 days (from the date of purchase).
PROTECT What You Have Built
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 RM750,000. 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 Privilege Circle Free Insurance/Privilege Circle Free Takaful sections 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 if your total MGQP drops below 150,000 at any point of time.
INDULGE Your Lifestyle
Enjoy the benefits of the exclusive co-branded credit card* and 0.3% Mutual Gold Cash Bonus on selected retail purchases**, with up to RM300 to be credited to your card's account on your birthday month.
* Approval of the Co-Branded 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.
Look forward to receiving a year-end gift specially arranged for you.
Receive a birthday gift which is carefully selected to add delight to your special day!
Mutual Elite Requirement
To enjoy these exclusive privileges, all you need to do is to accumulate a minimum of 600,000 Mutual Gold Qualifying Points (MGQPs) to qualify as a Mutual Elite Member, based on the First Registered Holder.
Indulge in the privileges of Mutual Signature.
Unitholders who accumulate a total MGQP of 1,500,000 and above will be elevated to the status of Mutual Signature. As a Mutual Signature Member, you get to enjoy all the benefits of Mutual Elite and MORE.
| Mutual Gold Qualifying Point (MGQP) Band | 1,500,000 < 3,000,000 |
Additional Privileges & Benefits*
*All privileges and benefits listed below are subject to terms & conditions and eligibility criteria.
GROW Your Wealth And Enjoy Lifetime Access
Mutual Signature Members enjoy a Special Sales Charge of as low as 4.25% for the Public/PB Series of Funds and 3.40% for the e-Series of Funds.
Mutual Signature with membership of 1 year or less
Enjoy the Special Sales Charge for up to 8 investment transactions.
The Special Sales Charge applies to initial investments and additional investments only. The “Special Sales Charge” promo code/voucher in PMO/PMO PLUS will be valid for 1 year.
Mutual Signature with membership of more than 1 year
You may enjoy the Special Sales Charge for an unlimited number of investment transactions.
The Special Sales Charge applies to initial investments, additional investments, Direct Debit Authorisation (DDA) and switching transactions.
Enjoy a Special Sales Charge of as low as 2.80% if you have been a Mutual Signature Member and above for a minimum of 15 consecutive years.
Enjoy a 3.00% Special Sales Charge when investing in equity/mixed asset/balanced funds and 0.65% for bond/sukuk funds with NO LIMITS to the investment amount, up to ten (10) times, for two (2) consecutive months starting from your birthday month.
Enjoy switching fee waivers for up to 30 switches of loaded units and 1%-load units which are made after 90 days (from the date of purchase).
PROTECT What You Have Built
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 RM850,000. 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 Privilege Circle Free Insurance/Privilege Circle Free Takaful sections 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 if your total MGQP drops below 150,000 at any point of time.
Get your Will/Wasiat written for the benefit of your loved ones. Mutual Signature Members are entitled to one Standard Will/Wasiat Writing and Appointment of Executorship Service (PB Trustee Services Berhad (PBTSB)).
For arrangements and further information, please contact PBTSB at 03-2177 3127.
You can also opt for Will/Wasiat services prescribed by Amanah Raya Berhad (ARB). For more information, please contact ARB at 03-8600 9850.
INDULGE Your Lifestyle
Look forward to receiving a year-end gift specially arranged for you.
Receive a birthday gift which is carefully selected to add delight to your special day!
Mutual Signature Requirement
To enjoy these exclusive privileges, all you need to do is to accumulate a minimum of 1,500,000 Mutual Gold Qualifying Points (MGQPs) to qualify as a Mutual Signature Member, based on the First Registered Holder.
Welcome to the Exclusive World of Mutual Platinum.
Unitholders who have accumulated a total MGQP of 3 million and above will be elevated to the status of Mutual Platinum. As a Mutual Platinum Member, you get to enjoy the exclusive privileges of Mutual Signature and MORE.
| Mutual Gold Qualifying Point (MGQP) Band | 3,000,000 < 10,000,000 |
Additional Privileges & Benefits*
*All privileges and benefits listed below are subject to terms & conditions and eligibility criteria.
GROW Your Wealth And Enjoy Lifetime Access
Mutual Platinum Members enjoy a Special Sales Charge of as low as 3.75% for the Public/PB Series of Funds and 3.30% for the e-Series of Funds.
Mutual Platinum with membership of 1 year or less
Enjoy the Special Sales Charge for up to 10 investment transactions.
The Special Sales Charge applies to initial investments and additional investments only. The “Special Sales Charge” promo code/voucher in PMO/PMO PLUS will be valid for 1 year.
Mutual Platinum with membership of more than 1 year
You may enjoy the Special Sales Charge for an unlimited number of investment transactions.
The Special Sales Charge applies to initial investments, additional investments, Direct Debit Authorisation (DDA) and switching transactions.
Enjoy a Special Sales Charge of as low as 1.50% if you have been a Mutual Platinum Member and above for a minimum of 12 consecutive years.
Mutual Platinum Members may nominate one (1) family member to enjoy the Special Sales Charge of 1.50%.
Enjoy a 3.00% Special Sales Charge when investing in equity/mixed asset/balanced funds and 0.65% for bond/sukuk funds with NO LIMITS to the investment amount and number of transactions, for two (2) consecutive months starting from your birthday month.
Enjoy unlimited switching fee waivers for switching of loaded units and 1%-load units which are made after 90 days (from the date of purchase).
PROTECT What You Have Built
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 RM1,000,000. 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 Privilege Circle Free Insurance/Privilege Circle Free Takaful sections for the terms and conditions of this Insurance/Takaful coverage.
# This free Insurance/Takaful covers members up to the age of 74. Members aged 75 and above may enjoy a reimbursement for Travel Insurance of up to RM200 per calendar year in a single receipt from Lonpac Insurance.
Get your Will/Wasiat written for the benefit of your loved ones. Mutual Platinum Members are entitled to one Comprehensive Will/Wasiat Writing Service, Appointment of Executorship (PB Trustee Services Berhad (PBTSB)), Lifetime Will Custody and one Will/Wasiat Rewriting Service.
For arrangements and further information, please contact PBTSB at 03-2177 3127.
You can also opt for Will/Wasiat services prescribed by Amanah Raya Berhad (ARB). For more information, please contact ARB at 03-8600 9850.
INDULGE Your Lifestyle
Receive a one-time onboarding gift and a special anniversary gift if you maintain your Mutual Platinum status for 12 consecutive months.
Choose from a selection of birthday gifts to add delight to your special day!
Receive a special festive gift to celebrate the season and share our joy with you!
You are entitled to two (2) complimentary airport lounge accesses per calendar year at selected Plaza Premium Lounges located nationwide in Malaysia, upon request.
You can be assured of prompt and personalised service as a dedicated team of Special Customer Relationship Officers is readily available to assist you. You can also enjoy the privilege of conducting your investment needs in the privacy and comfort of our exclusive Privilege Circle Centre. Enjoy a drink and relax in the comfort and ambience of our Centre while we attend to your needs. |
Mutual Platinum Requirement
To enjoy these exclusive privileges, all you need to do is to accumulate a minimum of 3,000,000 Mutual Gold Qualifying Points (MGQPs), based on the First Registered Holder.
Welcome to the Privileged World of Mutual Prestige.
Unitholders who have accumulated a total MGQP of 10 million and above will be elevated to the status of Mutual Prestige. As a Mutual Prestige Member, you get to enjoy the curated range of privileges of Mutual Platinum and MORE.
| Mutual Gold Qualifying Point (MGQP) Band | 10,000,000 and above |
Additional Privileges & Benefits*
*All privileges and benefits listed below are subject to terms & conditions and eligibility criteria.
GROW Your Wealth And Enjoy Lifetime Access
Mutual Prestige Members enjoy a Special Sales Charge of as low as 3.00% for the Public/PB Series of Funds and the e-Series of Funds.
Mutual Prestige with membership of 1 year or less
Enjoy the Special Sales Charge for up to 12 investment transactions.
The Special Sales Charge applies to initial investments and additional investments only. The “Special Sales Charge” promo code/voucher in PMO/PMO PLUS will be valid for 1 year.
Mutual Prestige with membership of more than 1 year
You may enjoy the Special Sales Charge for an unlimited number of investment transactions.
The Special Sales Charge applies to initial investments, additional investments, Direct Debit Authorisation (DDA) and switching transactions.
Enjoy a Special Sales Charge of as low as 1.00% if you have been a Mutual Prestige Member for a minimum of 10 consecutive years.
Mutual Prestige Members may nominate two (2) family members to enjoy the Special Sales Charge of 1.00%
Enjoy a 2.75% Special Sales Charge when investing in equity/mixed asset/balanced funds and 0.65% for bond/sukuk funds with NO LIMITS to the investment amount and number of transactions, for two (2) consecutive months starting from your birthday month.
Enjoy unlimited switching fee waivers for switching of loaded units and 1%-load units which are made after 90 days (from the date of purchase).
PROTECT What You Have Built
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 RM1,200,000. 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 Privilege Circle Free Insurance/Privilege Circle Free Takaful sections for the terms and conditions of this Insurance/Takaful coverage.
# This free Insurance/Takaful covers members up to the age of 74. Members aged 75 and above may enjoy a reimbursement for Travel Insurance of up to RM1,000 per calendar year in a single receipt from Lonpac Insurance.
Get your Will/Wasiat written for the benefit of your loved ones. Mutual Prestige Members are entitled to one Comprehensive Will/Wasiat Writing Service, Appointment of Executorship (PB Trustee Services Berhad (PBTSB)), Lifetime Will Custody and three Will/Wasiat Rewriting Services.
For arrangements and further information, please contact PBTSB at 03-2177 3127.
You can also opt for Will/Wasiat services prescribed by Amanah Raya Berhad (ARB). For more information, please contact ARB at 03-8600 9850.
INDULGE Your Lifestyle
Receive a one-time onboarding gift and a special anniversary gift if you maintain your Mutual Prestige status for 12 consecutive months.
Choose from a selection of birthday gifts to add delight to your special day!
Receive a special festive gift to celebrate the season and share our joy with you!
You are entitled to five (5) complimentary airport lounge accesses per calendar year at selected Plaza Premium Lounges located nationwide in Malaysia, upon request.
You can be assured of prompt and personalised service as a dedicated team of Special Customer Relationship Officers is readily available to assist you.
You can also enjoy the privilege of conducting your investment needs in the privacy and comfort of our exclusive Privilege Circle Centre. Enjoy a drink and relax in the comfort and ambience of our Centre while we attend to your needs.
Mutual Prestige Requirement
To enjoy these exclusive privileges, all you need to do is to accumulate a minimum of 10,000,000 Mutual Gold Qualifying Points (MGQPs), based on the First Registered Holder.