Make your money work harder for you

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...

Complete a detailed Suitability Assessment Profiling with you

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.

Select Investment Funds with track records and in line with your risk profile and objective

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.

Allocate Funds to Maximize 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!!

Regular Investing to Benefit from Market Movements.

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.

Timely regular reviews to keep your portfolio on track.

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.

Amanah Hartanah Bumiputera

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.

Stable and Regular Income Distribution

  • Regular return
    The Fund aims to pay-out returns semi-annually as determined by the Fund Manager.
  • Stable return
    The Fund aims to pay-out returns above the Benchmark of 12-month Islamic Fixed Deposit-i of Maybank Islamic Berhad.
  • All income distributions from AHB are nett of zakat.

Fund’s Income Distribution History

It’s Affordable

It’s Affordable

  • No entry or exit fees
  • The Fund can be bought or sold at RM1.00 per Unit, no redemption charges
  • Initial investment as low as RM100 cash

Very Convenient

  • The Fund is available at all AmBank (M) Bhd’s Branches and AmSignature Priority Banking Centres

Amanah Hartanah Bumiputera Key Fund Data for Cash Investment

Award Winning Fund

ASNB Unit Trust

AmBank (M) Bhd is an authorized distributor of Amanah Saham Nasional Berhad Funds.

FIXED/VARIABLE PRICED FUNDS

  • Amanah Saham Bumiputera (ASB)
  • Amanah Saham Wawasan 2020 (ASW2020)
  • Amanah Saham Malaysia (ASM)
  • Amanah Saham Didik (ASD)
  • Amanah Saham 1Malaysia (AS1M)
  • Amanah Saham Bumiputera 2 (ASB2)
  • Amanah Saham Nasional Bhd (ASN)
  • Amanah Saham Nasional Bhd 2 (ASN2)
  • Amanah Saham Nasional Bhd 3 (ASN3)
  • Amanah Saham Gemilang (ASG):
    • ASG – Pendidikan
    • ASG – Kesihatan
    • ASG - Persaraan

Why Invest in ASNB Funds?

Fixed Price funds?

  • Tax Exemption on Income Distribution
  • Consistent Income Distribution
  • Pricing – capped at RM1/unit
  • Liquidity (Cash on the spot)
  • Medium to Long Term Investment Plan

Variable Priced funds?

  • Tax Exemption on Income Distribution
  • Income Distribution
  • Philosophy of Capital Preservation
  • Historical Pricing Transaction
  • Liquidity (Cash on the spot)
  • Medium to Long Term Investment Plan

Summary of Information & Product Highlight Sheet - ASNB Fixed Price Funds

Summary of Information & Product Highlight Sheet - ASNB Variable Price Funds

Convenient

Amanah Saham Nasional Bhd Funds are distributed at all our AmBank branches and AmBank Signature Priority Banking centres.

Investment Through:

  • Cash
  • EPF Scheme

Investment/Subscription of Units

Investment can be either CASH or via your EPF INVESTMENT SCHEME

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Additional Services

Over - The – Counter Transaction:

  • Additional / Redemption transaction for Fixed and Variable Priced Funds
  • Transfer from investment book to certificate
  • Update investment book
  • Replacement of investment book
  • Inter-Scheme transaction
  • Change of Personal Particulars
  • Death Benefits Claim (Khairat Kematian)

EPF Members Investment Scheme

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.

Apply Now

Take control of your EPF savings…

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.

Purpose & Benefits

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.

Withdrawal Eligibility

The amount that you can withdraw is based on the following:

  1. 20% of excess funds in Account 1 above the Basic Savings required amount by age (See Table 1 )
  2. Every 3 months after the last disbursement date.
  3. The minimum amount for investment withdrawal is RM1,000.

FORMULA

(Total Balance in Account 1 - Total Basic Savings) x 20% = Permitted Amount for Investment

See Table 2 for examples of calculations. 

Regular Investment Plan & Auto Debit mode

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:

  1. Averaging
  2. Affordability

If you are not an existing investor with AmBank, you will need to sign up for the initial investment.

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Averaging

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.

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Affordability

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.

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Private Retirement Scheme (PRS)

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:

  1. Inflation
  2. Comfortable standard of living post-retirement
  3. Rising health care costs

 Find out more here

PRS is regulated by Securities Commission Malaysia

Apply Now

What's in it for employers?

PRS offers a wide range of benefits, noteably:

  • Tax deduction of up to 19% of of the employees remuneration.
  • Incentive tool for staff retention and recruitment.
  • Opporunity to provide employees with investment choices.

3 Core Funds to suit your needs

The default option of the Private Retirement Scheme consists of the following Core Funds:

  • AmPRS Growth Fund
  • AmPRS Moderate Fund
  • AmPRS Conservative Fund 

AmPRS Growth Fund

Aims to provide long term capital growth by investing primarily in equities, equity related securities and/or REITs.

  • Up to 70% in equities and/or equity-related securities, where a maximum of 20% will be in REITs
  • A minimum of 30% in fixed income securities and/or money market instruments
  • A minimum of 1% in liquid assets 

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AmPRS Moderate Fund

Aims to provide medium to long term capital growth by investing in equities, fixed income securities and/or REITs

  • Up to 60% in equities and/or equity-related securities, where a maximum of 20% will be in REITs
  • A minimum of 40% in fixed income securities and/or money market instruments
  • A minimum of 1% in liquid assets 

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AmPRS Conservative Fund

Aims to preserve capital by investing primarily in fixed income securities and money market instruments.

  • A minimum of 80% in fixed income securities, where a maximum of 20% will be in money market instruments.
  • A maximum of 20% in fixed income securities and/or money market instruments
  • A minimum of 1% in liquid assets 

Apply Now

Private Pension Administrator Malaysia (PPA)

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