AmBank’s Wealth Management offers a wide range of unit trust funds under one roof for your investment needs. Plan your future now, invest today and grow your wealth
Our AmBank Personal Bankers / Wealth Specialists / Relationship Managers can help you understand the principles of investing, determine your investment risk profile & create a tailored investment plan just for you!
At AmBank, the investment process is kept straightforward so you know where you stand. Let us take you through our 5 simple steps...
To help us to understand your risk attitudes, financial needs and investment objectives in order to identify your Risk Profile.
From your Risk Profile, we will discuss a range of investment products or portfolio for your consideration.
We will also reassess the Suitability Assessment Profiling with you on an annual basis to cater for changes in your risk tolerance and investment objectives.
Unit trusts pools together money from many investors & then invests the total amount is a mix of assets (including shares, bonds & other listed investment instruments).
To measure the performance of a fund, you measure the returns (the amount of money you have made from investing in a fund).
Although past performance does not guarantee future performance, it is a good gauge on the funds’ future ability to generate returns.
All investments have risks, but the risk characteristics are not always the same for each investment - so what may affect the value of one investment may not necessarily affect another. By spreading your portfolio between a wide range of different investments (or diversifying your investments) you decrease the effect of one investment on the overall performance of your portfolio.
Diversification ensures your investment Ringgit is spread across a range of investments in line with your investment objectives. Balancing your portfolio across a range of investments helps you to maximize your investment returns and minimize your exposure to risk.
Unit trust funds is one of the easiest ways to diversify!!
Ringgit cost averaging (or investing regularly over time) is the habit of investing a fixed sum of money over regular intervals - regardless of which way the investment markets are heading. With this, units are purchased at an average cost.
This strategy removes guesswork about when you should buy and sell. Not even the best investment managers can pick the highs and lows of the investment markets all the time.
Ringgit cost averaging is a disciplined way of making regular investments.
Things change in life and it is important that your plan has the flexibility to change with you. It is advisable that you and your planner meet at least once a year to review your plan (or more often, if you prefer) to ensure that it is still on track to meeting your financial goals.
To learn more about our products, click on Unit Trust or visit any AmBank branch to get advise from our Personal Bankers / Wealth Specialists / Relationship Manager today.
Malaysia’s first fixed-price Shariah-compliant unit trust fund that invests in prime commercial properties.
Only available to Bumiputera investors, with minimum initial investment of RM100 per person.
The Fund will seek to achieve its investment objective by investing primarily in the prime commercial properties / real estate in Malaysia.
The Fund seeks to provide unit holders with a regular and consistent income stream whilst preserving the unit holder’s investment capital.
AmBank (M) Bhd is an authorized distributor of Amanah Saham Nasional Bhd (ASNB) Funds.
Currently we have the following Funds:
Click here for more info
ASN 2, ASN 3, ASG – Pendidikan, ASG – Kesihatan and ASG – Persaraan are distributed at all our AmBank (M) Bhd branches as well as at all AmSignature Priority Banking centres.
How To Invest :
InterestPlus (Conventional) and ValuePlus Term Deposit-i (the Islamic equivalent of InterestPlus) are combinations of fixed / term deposits and unit trust investment schemes. The InterestPlus scheme combines Fixed Deposits that offers preferential Fixed Deposit rates (“FD”) than prevailing FD board rates with investment in selected unit trust funds. Whereas ValuePlus Term Deposit-i combines Term Deposit-i (“TD-i”) with investment in selected Islamic unit trust funds.
(Only the deposit portion is eligible for protection by PIDM)
To know more about InterestPlus and/or ValuePlus Term Deposit-i , please visit your nearest AmBank branches and talk to our Personal Bankers / Wealth Specialists / Relationship Managers.
Disclaimer: InterestPlus and ValuePlus Term Deposit-i has an investment element and returns may vary. Investments in unit trust funds are subject to price fluctuations, which may provide both opportunities and risks. The returns on unit trust investments are not guaranteed and the investment do not constitute as bank deposits or obligation nor guaranteed by the Bank and are subject to investment risks, including the possible loss of the principal amount invested. Unit trust schemes are not eligible for deposit insurance coverage by Perbadanan Insurans Deposit Malaysia (PIDM).
Before making any investment decision, you should obtain and consider the terms and conditions relating to InterestPlus and/or ValuePlus Term Deposit-i and unit trust investments. The price of units and the value of your investment may fall as well as rise. Past performance is not necessarily indicative of future or likely performance. You should consider carefully whether any investment is suitable to you, in view of your investment objectives, financial means and risk profile. You are advised to complete a suitability assessment exercise to determine your risk profile to enable our sales personnel to recommend the suitable product(s) to you accordingly.
There are risks, fees and charges involved with any investment. You are advised to read and understand the contents of the fund prospectus before investing.
Plan for your retirement now. A couple of simple decisions now can mean the difference between a modest or comfortable retirement lifestyle.
On average, Malaysians are now living longer. This means that planning ahead for your retirement goals & lifestyle is becoming more important than ever. This also means having to look beyond your EPF savings to meet your desired lifestyle & needs at retirement.
AmBank has a range of investment instruments, giving you the tools & opportunities to maximize your Employees Provident Fund (EPF) savings.
Let us work with you in creating tailored investment strategies best suited to your circumstances – based on your retirement goals, risk profile & your current financial circumstances.
EPF members with excess funds in their Account 1 (at least RM5,000 more than the Basic Savings required amount) can invest part of this savings through external fund managers appointed by EPF.
Based on the respective age bracket, there is a basic savings amount required to be maintained in your Account 1. This is to enable you to achieve a minimum of RM196,800 when you reach 55 years old (based on your Birth Date). You may not be able to withdraw this amount until you are 55 years old.
This facility is subject to rules and regulations of EPF.
The amount that you can withdraw is based on the following:
(Total Balance in Account 1 - Total Basic Savings) x 20% = Permitted Amount for Investment
See Table 2 for examples of calculations.
This means to invest in small amounts, on a regular basis by spreading your contributions over time
Investing regularly has 2 main benefits for all investors, regardless of risk appetite:
If you are not an existing investor with AmBank, you will need to sign up for the initial investment.
Regular investing helps you enjoy the benefits of ‘Ringgit Cost Averaging’.
Each month, your regular contribution will buy units in the funds. Depending on whether the unit price has fallen or risen, you get more or less units each investment cycle.Thus your exposure and investing cost is averaged, as you get more units when prices are low & fewer units when prices are high.
You start investing with just RM1,000 per fund upfront.
Followed by ongoing regular investments of at least RM500 (by cash method) or RM200 (by Auto Debit deduction method), per fund. Your regular contributions are then invested (on your behalf) in the same manner as the initial investment.
Set up a regular investment plan to add your investment on a regular basis. Save yourself the hassle by signing up for auto debit deduction.
PRS is an investment vehicle designed to complement a retiree’s savings to achieve his/her ideal retirement goals through voluntary savings contributions.
It is designed to help individuals accumulate savings for retirement & plan for:
Find out more here
PRS is regulated by Securities Commission Malaysia
PRS offers a wide range of benefits, noteably:
The default option of the Private Retirement Scheme consists of the following Core Funds:
Aims to provide long term capital growth by investing primarily in equities, equity related securities and/or REITs.
Aims to provide medium to long term capital growth by investing in equities, fixed income securities and/or REITs
Aims to preserve capital by investing primarily in fixed income securities and money market instruments.
The Private Pension Administrator (PPA) is the central administrator for the Private Retirement Schemes (PRS), providing ongoing services and promoting education to PRS members. For more information, visit www.ppa.my