PREFACE - prime.cimbbank.com.my · Performance of ASW 2020 82 6.9 Performance of ASM 83 6.10...
Transcript of PREFACE - prime.cimbbank.com.my · Performance of ASW 2020 82 6.9 Performance of ASM 83 6.10...
MA
STE
R P
RO
SP
EC
TUS
2015//2016 w
ww
.asnb.com.m
y i
PREFAC
E
The Unit Hold
ers and
potentia
l Unit Hold
ers of Am
ana
h Saha
m N
asiona
l (“ASN
”), Am
ana
h Saha
m
Na
sional 2 (“A
SN 2”), A
ma
nah Sa
ham
Na
sional 3 Im
bang (“A
SN 3”), A
ma
nah Sa
ham
Gem
ilang
(“ASG
”) and
the three unit trust funds und
er its umb
rella na
mely, A
ma
nah Sa
ham
Pendid
ikan
(“ASG
-Pendid
ikan”),
Am
ana
h Sa
ham
Kesiha
tan
(“ASG
-Kesihata
n”) a
nd
Am
ana
h Sa
ham
Persa
raa
n (“ASG
-Persara
an”), A
ma
nah Sa
ham
Bumip
utera (“A
SB”), Am
ana
h Saha
m W
aw
asa
n 2020 (“A
SW 2020”), A
ma
nah Sa
ham
Ma
laysia
(“ASM
”),Am
ana
h Saha
m D
idik (“A
SD”), A
ma
nah
Saha
m 1M
ala
ysia (“A
S 1Ma
laysia
”) and
Am
ana
h Saha
m Bum
iputera 2 (“A
SB 2”) (Collectively
known a
s “Funds”).
Dea
r Va
lued Investor,
On beha
lf of the Board
of Directors of A
ma
nah Sa
ham
Na
sional Berha
d (“The M
ana
ger”), we
wish to inform
you that ea
ch of the Fund m
entioned a
bove ha
s its own ob
jective which is
mentioned
in Sections 3 and
5 of this Prospectus. In order to a
chieve the investment objective of
the respective Funds, va
rious strategies w
ill be ad
opted, w
hich is suitable w
ith the Funds’
objective as m
entioned in Sections 3 a
nd 5 of this Prospectus.
Notw
ithstand
ing the above, Unit Hold
ers of the Funds should
also be a
wa
re of the inherent risks of investing in the Fund
s which includ
e am
ong others, ma
rket risk, stock specific risk, fluctuation in
NA
V a
nd cred
it risk/defa
ult risk. Further informa
tion on the risk factors is deta
iled in Section 4 of this Prospectus.
Therefore, investors should ta
ke into considera
tion the investment objectives, stra
tegies and
risks before investing in the Fund
s. Please refer to Section 3 for more inform
ation on profile of investors for ea
ch Fund. There a
re fees and
charges tha
t will be incurred
by investors when purcha
sing or red
eeming units of the Fund
s such as sa
les charge, rep
urchase cha
rge, annua
l ma
nagem
ent fee a
nd a
nnual trustee’s fee. Further d
etails of these fees a
nd cha
rges are d
isclosed in Section 8
of this Prospectus. Units of the Funds m
ay be acq
uired at any of our A
SNB offices or branches of
our agents throughout M
ala
ysia. Plea
se refer to Section 18 of this Prospectus for more inform
ation
on the Directory.
We recom
mend
that potential investors rea
d this Prosp
ectus in its entirety before m
aking a
n investm
ent decision a
nd if you ha
ve any d
oubts, consult a
professiona
l ad
viser. If you have a
ny queries on our Fund
s, please feel free to conta
ct our Custom
er and
Ag
ent Relations D
epa
rtment
at 03-20573000 or em
ail us a
t asnbca
.my.
Thank you.
Yours faithfully, For a
nd on beha
lf of The Board
of Directors
Am
anah Saham N
asional Berhad Tun A
hmad Sarji bin A
bdul Hamid
Cha
irma
n
ii
RESPON
SIBILITY STATEM
ENT
This Prospectus
has
been review
ed
and
approved
by the
directors
of the
Managem
ent C
ompany
and
they collectively
and
individ
ually accept
full responsibility
for the
accuracy of
the inform
ation.
Having
mad
e all
reasonable enquiries, they confirm
to the best of their knowled
ge and belief, there are no false or
mislead
ing statem
ents, or omission of other facts w
hich would
make any sta
tement in
the Prospectus false or mislead
ing.
STATEM
ENTS O
F DISCLA
IMER
The Securities Com
mission M
alaysia has authorized the Fund
s and a copy of this
Prospectus has been registered w
ith the Securities Com
mission M
alaysia.
The authorization of the Fund
s, and the registration of this Prospectus, should
not be taken to ind
icate tha
t the Securities Com
mission M
alaysia recom
mend
s the said
Funds
or assumes responsibility for the correctness of any sta
tement m
ade, opinion expressed
or report contained
in this Prospectus.
The Securities Com
mission M
alaysia is not liable for any non- disclosure on the p
art of the M
anagement C
ompany responsib
le for the said Fund
s and takes no responsibility
for the contents in this Prospectus. The Securities Com
mission M
alaysia makes no
representation on the accuracy or com
pleteness of this Prospectus, and expressly
disclaim
s any liability wha
tsoever arising from, or in reliance upon, the w
hole or any part of its contents.
INVESTO
RS SHOULD RELY O
N THEIR O
WN
EVALUA
TION
TO A
SSESS THE MERITS A
ND RISKS
OF THE IN
VESTMEN
T. IF INVESTO
RS ARE UN
ABLE TO
MA
KE THEIR OW
N EVA
LUATIO
N, THEY
ARE A
DVISED TO C
ON
SULT PROFESSIO
NA
L ADVISERS.
No units w
ill be issued or sold
based on this Prospectus later than one year a
fter the d
ate of this Prospectus.
Investors should note tha
t they may seek recourse und
er the Capital M
arkets and
Services Act 2007 for breaches of securities law
s and regulations includ
ing any sta
tement in the Prospectus tha
t is false, mislead
ing, or from w
hich there is a ma
terial om
ission; or for any mislead
ing or deceptive act in rela
tion to the Prospectus or the cond
uct of any other person in relation to the Funds.
ww
w.asnb.com
.my
ASN
B MA
STER PROSPECTU
S 2015/2016
iii
TABLE O
F CO
NTEN
TS
SECTIO
N
PAG
E
1 G
LOSSA
RY OF TERM
S/ABBREVIA
TION
S 1
2
CO
RPORA
TE DIRECTO
RY 4
3
KEY DATA
9
3.1 A
SN
93.2
ASN
2 10
3.3 A
SN 3
113.4
ASG
12
3.5 A
SB 15
3.6 A
SW 2020
163.7
ASM
17
3.8 A
SD
183.9
AS1M
ala
ysia
193.10
ASB 2
203.11
List of Deed
s 22
3.12 Fees&
Cha
rges – Va
riable Price (A
SN, A
SN 2, A
SN 3 A
ND
ASG
) 23
3.13 Fees&
Cha
rges- FIXED PRIC
E (ASB, A
SW 2020, A
SM, A
SD, A
S 1MA
LAYSIA
and
A
SB 2) 24
3.14 Transaction Inform
ation 25
4 RISK FA
CTO
RS 32
4.1 G
eneral Risks of Investing in Unit Trust Fund
324.2
Specific Investment Risks of Investing
34
5 IN
FORM
ATIO
N O
N THE FUN
DS 37
5.1 G
eneral Inform
ation on The Fund
s’ Objective a
nd Stra
tegy 37
5.2 G
eneral Inform
ation on the Benchm
arks
395.3
Genera
l Informa
tion of the Funds
405.3.1
ASN
40
5.3.2 A
SN 2
435.3.3
ASN
3 45
5.3.4 The Three Fund
s Under the Um
brella of A
SG
475.3.5
ASB
505.3.6
ASW
2020 52
5.3.7 A
SM
555.3.8
ASD
57
5.3.9 A
S 1Ma
laysia
60
5.3.10 A
SB 2 63
5.4 Potentia
l Risks associa
ted w
ith the Funds
66
ww
w.asnb.com
.my
ASN
B MA
STER PROSPECTU
S 2015/2016
iv
5.5 C
ontrol of the Risks 66
5.6 Ba
ses of Va
luation for Investm
ents 66
5.7 Policy in Respect of V
alua
tuon Point(s) to Determ
ine the NA
V of the Fund
68
6 PERFO
RMA
NC
E OF THE FUN
DS 69
6.1 C
hanges in Benchm
ark
696.2
Basis of C
alcula
tions and
Assum
ptions in C
alcula
tion of Returns 69
6.3 Perform
ance of A
SN
726.4
Performance of A
SN 2
746.5
Performance of A
SN 3
766.6
Performa
nce of ASG
78
6.7 Perform
ance of A
SB 81
6.8 Perform
ance of A
SW 2020
826.9
Performa
nce of ASM
83
6.10 Perform
ance of A
SD
846.11
Performa
nce of AS 1M
ala
ysia
856.12
Performa
nce of ASB 2
86
7HISTO
RICA
L FINA
NC
IAL HIG
HLIGHTS O
F THE FUND
87 7.1
An Extract on The Fund
s’ Aud
ited Financial Statem
ents For The Last Three
Financia
l Years
87
7.2 A
SN
877.3
ASN
2 88
7.4 A
SN 3
897.5
The Three Funds Und
er the Umb
rella of ASG
89
7.6 A
SB 91
7.7 A
SW 2020
927.8
ASM
92
7.9 A
SD
927.10
AS 1M
ala
ysia
937.11
ASB 2
937.12
Total A
nnual Expenses Incurred
by the Fund
s 93
7.13 M
ana
gement Exp
ense Ratio (M
ER) 94
8 FEES, C
HARG
ES AN
D EXPENSES
97 8.1
Cha
rges and
Fees Directly Incurred
When Purcha
sing Or Selling Units O
f The Funds
97
8.2 C
harges A
nd Fees Ind
irectly Incurred
97
ww
w.asnb.com
.my
ASN
B MA
STER PROSPECTU
S 2015/2016
v
9 TRA
NSA
CTIO
N IN
FORM
ATIO
N
102 9.1
Va
luation Points For The Purpose of D
etermining the N
AV
102
9.2 N
AV
for ASN
, ASN
2, ASN
3, ASG
-Pendid
ikan, A
SG-Kesiha
tan a
nd A
SG-
Persara
an
102
9.3 Pricing Policy
103 9.4
Single Pricing Policy for ASN
, ASN
2, ASN
3, ASG
-Pendid
ikan, A
SG-Kesiha
tan
and
ASG
-Persara
an
103
9.5 Tra
nsaction D
etails
108 9.6
Payment of Incom
e Distribution
111 9.7
Ad
ditiona
l Informa
tion 113
10 M
AN
AG
EMEN
T AN
D ADM
INISTRA
TION
119
10.1 G
eneral Inform
ation on A
SNB
119 10.2
The Board of D
irectors 119
10.3 C
omp
any Secreta
ry 123
10.4 Key M
ana
gement Sta
ff 124
10.5 Senior C
omp
liance O
fficer 126
10.6 Fina
ncial Inform
ation on A
SNB
126 10.7
Roles, Duties a
nd Responsibilities of The M
ana
gement C
ompa
ny 126
10.8 Functions O
f The Investment C
omm
ittees of the Funds
127 10.9
The Investment M
ana
ger 130
10.10 Retirem
ent, Remova
l or Replacem
ent of the Ma
nagem
ent Com
pany
143 10.11
Powers of the M
ana
gement C
ompa
ny to Remove the Trustee
144 10.12
Disclosure of C
urrent Ma
terial Litigation a
nd A
rbitration
145
11 TRUSTEE
146 11.1
Genera
l Informa
tion 146
11.2 Fina
ncial Inform
ation
146 11.3
Board of D
irectors 147
11.4 Key M
ana
gement Sta
ff 147
11.5 D
uties and
Obliga
tions 147
11.6 Retirem
ent, Remova
l and
Replacem
ent 148
11.7 Pow
er of Trustee to Remove or Replace the M
anager
149 11.8
Statem
ent of Responsib
ility 149
11.9 D
isclosure of Current M
ateria
l Litigation and
Arbitra
tion 149
12 SA
LIENT TERM
S OF THE DEED
150
12.1
Rights and
Liabilities of Unit H
olders
150
12.2 M
axim
um Fees a
nd C
harges Perm
itted By the D
eed
154
12.3 Increase In Fees and
Charges From
The Level Disclosed
In The Prospectus a
nd the M
axim
um Rate Provid
ed In The D
eed
157
12.4
Permitted
Expenses Paya
ble Out O
f The Funds’ Prop
erty158
12.5
Remova
l, Retirement a
nd Repla
cement of The M
ana
ger and
The Trustee 167
12.6
Termina
tion of The Fund
167
12.7 Unit H
olders’ M
eeting172
ww
w.asnb.com
.my
ASN
B MA
STER PROSPECTU
S 2015/2016
vi
13 RELA
TED PARTY TRA
NSA
CTIO
NS/C
ON
FLICT O
F INTEREST
178
13.1 Existing a
nd Potential Rela
ted Pa
rty Transa
ctions 178
13.2
Conflict of Interest
178
13.3 Policies on D
ealing w
ith Conflict of Interest Situa
tions 179
13.4
Deta
ils O
f A
SNB’s
Directors’
Direct
and
Indirect
Interest In
Other
Corp
orations C
arrying on a
Simila
r Business 180
13.5
Deta
ils of ASN
B’s Substantial Sha
reholders’ D
irect and
Indirect Interest In
Other C
orpora
tions Ca
rrying on a Sim
ilar Business
180
13.6
Decla
ration of C
onflict of Interest 180
14 TA
XATIO
N O
F THE FUNDS
181
15 C
ON
SENTS
182
16 A
PPROVA
L AN
D CO
NDITIO
NS
183
16.1 Exem
ptions a
nd V
ariations
183
16.2
Specification From
Securities Com
mission To The Fixed
Price Funds on the
Ap
plica
tion of MFRS
196
17 DO
CUM
ENTS A
VAILA
BLE FOR IN
SPECTIO
N
197
18 DIREC
TORY
198
18.1 A
SNB O
ffices 198
18.2
Custom
er and A
gent Relations Departm
ent 201
19 LIST O
F AG
ENTS
202
20 A
PPLICA
TION
FORM
S AN
D LOA
N FIN
AN
CIN
G DISC
LOSURE STA
TEMEN
T 203
• • •
• •
• • •
• • •
• •
• • •
• • •
• •
• • •
• • •
• •
• • • •
• •
• • •
• •
• • • •
• •
• • •
• • •
• • • •
• •
3.4.3 AS
G-P
ersaraan
• • •
• • •
•
•
• • •
• • •
• •
• • •
• • •
• •
• • •
• • •
• •
• • •
• • •
• • • •
•
• • • • • •
• • •
• • • •
• •
•
• • • •
• • • •
• • • •
• •
• • • •
• • • •
• • • •
• •
• • • •
•
• • • •
• • • •
• • • •
•
• • •
• • • •
• •
• • • •
• • •
• • • •
• • •
• •
•
• Y
ou must understand that there are fees and charges that are directly and indirectly charged to you before
investing in the Funds. A
ll charges are non-negotiable. •
The fees and charges stated under S
ections 3.12 and 3.13 shall be subject to GS
T.
• F
or details on Fees, C
harges and Expenses of the F
unds under Sections 3.12 and 3.13, you m
ay refer to S
ection 8: Fees, C
harges and Expenses.
• •
• • • • • •
• • •
• • • • • • • • • • • •
•
•
•
• •
•
•
•
•
• •
•
• • •
• •
•
• •
•
• •
•
•
•
•
• •
•
• •
• • • •
• • • • • • • • • • • •
• • •
Past p
erform
ance o
f the Fu
nd
s is no
t an in
dicatio
n of fu
ture p
erform
ance.
• • • • • • • • • •
• • • • • • • • • • • •
Illustratio
n:
Com
putation of the NA
V per U
nit at each Valuation P
oint is illustrated below:
R
M
Quoted Investm
ents
231,000,000 Liquid A
ssets
34,500,000 O
ther Assets
6,100,000
271,600,000
Less:Liabilities
(16,500,000) N
et Asset V
alue
255,100,000
U
nits in
Circu
lation
(Un
its)
326,500,000
N
et Asset V
alue per Unit
=
Net A
sset Value
U
nits In Circulation
=
R
M255,100,000
326,500,000 U
nits
NA
V p
er Un
it, rou
nd
ed to
4 decim
al p
laces =
R
M0.7813
P
lease no
te that th
e examp
le abo
ve is for illu
strative pu
rpo
se on
ly.
Illustration 1: If you are making an investm
ent: (i)
Assum
ing the amount you w
ish to invest (“Investment am
ount”): RM
10,000.00 in AS
N.
(ii) N
AV
per Unit : R
M0.5000
(iii) Sales charge : 5%
(iv) G
ST
: 6%
on sales charge
a) Units issued to you
=
Investm
ent amount
N
AV
per Unit
=
RM
10,000
R
M0.5000
=
20,000 units
(b) S
ales charge Incurred
=
Investment am
ount x 5%
=
R
M10,000 X
5%
=
R
M500.00
(c) G
ST
on sales charge =
S
ales charge incurred x 6%
=
R
M500.00 X
6%
=
R
M30.00
(d) Total am
ount payable =
Investm
ent amount +
Sales charge incurred +
by you
G
ST
on sales charge
=
RM
10,000 + R
M500.00 +
RM
30.00
=
RM
10,530.00 T
he rounding up of the NA
V per U
nit will be up to four decim
al places. The total am
ount paid will be
subjected to the rounding mechanism
. P
lease no
te that th
e examp
le abo
ve is for illu
strative pu
rpo
ses on
ly.
Illustration 2: If you wish to request for repurchase of your investm
ent (i)
Assum
ing amount you w
ish to repurchase: RM
10, 000.00 in AS
N.
(ii) N
AV
per Unit : R
M0.5000
(iii) Repurchase charge : N
il
(a) Repurchased units
=
A
mount paid
NA
V per U
nit
=
R
M10,000
R
M0.5000
=
20,000 Units
(b) Repurchase charge
=
N
AV
per Unit x R
epurchase charge per Unit
per Unit
=
R
M0.5000 x 0%
=
RM
0 (c)
Total repurchase charge
=
Repurchase charge per unit x R
epurchased units
=
RM
0 x 20,000 units
=
RM
0 (d) N
et repurchase =
A
mount repurchased – R
epurchase charge
proceeds
=
R
M10,000 – R
M0
=
R
M10,000
The rounding up of the N
AV
per Unit w
ill be up to four decimal places. T
he total amount paid w
ill be subjected to a rounding m
echanism.
Please n
ote th
at the exam
ple ab
ove is fo
r illustrative p
urp
oses o
nly.
Illustration 3: Re-P
rice: H
owever, if the F
und’s NA
V as at the m
id-day Valuation P
oint differs by more than 5%
from the N
AV
as at last V
aluation Point, the U
nit will be re-priced after the start of business of the B
ursa Malaysia at 2.30
p.m.
You subm
it an application to invest RM
10,000 in AS
N 3 at 2.15 p.m
.: N
AV
of AS
N 3: P
ublished Price - N
AV
per Unit: R
M0.5000 (rounded to 4 decim
al places). A
fter the mid-day close of business of the B
ursa Malaysia, the N
AV
of AS
N 3 has reduced b
y 7%
compared to the N
AV
at end of the previous Business D
ay. E
ffectively the Unit price for the afternoon session (after 2.30 p.m
.) will be re-priced as follow
s: N
AV
of AS
N 3: R
e-Priced N
AV
- NA
V per U
nit: RM
0.4650 (rounded to 4 decimal places).
Your application w
ill only be processed after 2.35 p.m. (T
he transactions are suspended from 2.15 p.m
. – 2.30 p.m
. to enable the information on new
pricing be transmitted to all A
SN
B branches and agents)
and will be re-priced w
ith the new U
nit price. You can either cancel or proceed w
ith the application at the new
price. If you decide to proceed with the transaction, your cost of purchase w
ill be as follows:
Yo
ur co
st of p
urch
ase
(a) Investment A
mount
=
RM
10,000.00
(b) Units issued to you
=
Investment A
mount
NA
V per unit
=
RM
10,000
R
M0.4650
=
21,505.38 Un
its
(c) Sales charge incurred
=
Investment am
ount x 5%
=
R
M10,000 X
5%
=
R
M500.00
(d) G
ST
on sales charge =
S
ales charge incurred x 6%
=
R
M500.00 x 6%
=
RM
30.00
(e) Total am
ount payable by you =
Investm
ent amount +
Sales
charge incurred+ GS
T on sales
charge
=
RM
10,000.00 + RM
500.00 +
RM
30.00
=
RM
10,530.00 P
lease no
te that th
e examp
le abo
ve is for illu
strative pu
rpo
ses on
ly
Illustration 4: Repurchase
You m
ay request to repurchase RM
10, 000 of your investments in A
SN
3 at 2.15 p.m. A
fter the m
id-day close of business of the Bursa M
alaysia, the NA
V of A
SN
3 has reduced by 7%
compared to the N
AV
at end of the previous Business D
ay. E
ffectively the Unit price for the afternoon session (after 2.30 p.m
.) will be re-priced as
follows:
R
e-Priced
NA
V
NA
V per U
nit, rounded to 4 decimal places
: R
M0. 4650
Your application w
ill only be processed after 2.35 p.m. (T
he transactions are suspended from
2.15 p.m. – 2.30 p.m
. to enable the information on new
pricing be transmitted to all A
SN
B
branches and agents) and will be re-priced w
ith the new unit price. Y
ou can either cancel or
proceed with the application at the new
price. If you decide to proceed with the request, the
amount you w
ill receive for the repurchase will be as follow
s:
T
otal U
nits rep
urch
ased
(a) R
epurchased Units
=
RM
10,000
RM
0.4650
=
21,505.38 un
its
(b) Net repurchase proceeds
=
Repurchased U
nits X N
AV
per U
nit
=
21,505.38 Units X
RM
0.4650
=
RM
10,000.00
Please n
ote th
at the exam
ple ab
ove is fo
r illustrative p
urp
oses o
nly.
• • • • • • • •
• • • • • •
• •
• • • • • • • • • • • •
• • • • • • • • • • • •
• • • • • •
• •
• • • •
• • •
• • • • • • • •
• • • •
• • •
• •
• • • • • •
• •
• • • • • • • •
• • • • • • • •
• • • • • • • • • • • • • • • • • • •
• • • • • • • • • • • •
• •
• • • • •
• • •
• •
• • •
• • • • •
• • •
• • • • • • •
• • • • • •
•
•
•
• •
•
•
•
•
•
•
• •
•
• • •
• •
•
•
• •
•
• • • • •
• •
• •
• •
• • • • • • • • • • • •
PEN
YATA PEN
DED
AH
AN
RISIKO PELA
BURA
N D
ALA
M U
NIT A
MA
NA
H M
ENERU
SI PINJA
MA
N
(UN
TUK TA
BUN
G U
NIT A
MA
NA
H H
ARG
A BERU
BAH
-UBA
H)
UN
IT TRUST LO
AN
FINA
NCIN
G RISK D
ISCLOSU
RE STATEMEN
T (FO
R VARIA
BLE PRICE UN
IT TRUST FU
ND
S)
Melabur di dalam
saham am
anah menerusi pinjam
an mem
punyai risiko yang lebih tinggi berbanding dengan m
enggunakan wang sendiri.
Anda hendaklah m
enilai sama ada pelaburan m
enerusi pinjaman adalah sesuai
untuk anda berdasarkan objektif anda, tanggapan anda terhadap risiko dan kedudukan kew
angan anda. Anda perlu peka terhadap risiko-risiko terbabit
seperti: 1.
Lebih tinggi had pinjaman (iaitu jum
lah wang yang dipinjam
bagi setiap ringgit w
ang anda yang diletakkan sebagai pendahuluan), m
aka lebih
tinggilah potensi
untuk m
engalami
kerugian atau
mendapat keuntungan.
2.A
nda perlu menilai sam
a ada anda berupaya mem
buat pembayaran
balik pinjam
an. Sekiranya
pinjaman
anda dibuat
dengan kadar
faedah yang berubah-ubah, dan jika berlaku kenaikan faedah, maka
jumlah bayaran balik pinjam
an anda akan meningkat.
3.Jika harga unit jatuh dibaw
ah adalah sesuatu paras harga, anda m
ungkin diminta untuk m
enyediakan cagaran tambahan yang sesuai
atau bayaran
tambahan
kepada ansuran
biasa. Jika
anda gagal
berbuat demikian di dalam
tempoh m
asa yang ditetapkan, maka
unit-unit anda mungkin dijualbalik.
4.Pendapatan dari saham
amanah adalah tidak terjam
in dan tidak tetap
setiap m
asa. Ini
bermakna
anda m
ungkin m
endapat keuntungan yang tinggi dalam
sesuatu tahun, dan mungkin akan
mengalam
i kerugian
pada tahun
yang lain.
Kemungkinan
anda m
eraih keuntungan
ataupun kerugian
bergantung kepada
masa
bilamana anda m
enjual unit-unit anda. Nilai unit-unit m
ungkin akan jatuh sem
asa anda mem
erlukan semula w
ang walaupun pelaburan
tersebut menunjukkan prestasi yang baik di m
asa lampau.
Penyata ringkas di atas tidak dapat mendedahkan sem
ua risiko-risiko dan lain-lain aspek berkenaan pem
biayaan atau pinjaman. A
nda hendaklah meneliti
secara terperinci
syarat-syarat yang
dikenakan sebelum
anda
mem
buat keputusan
untuk m
engambil
pinjaman.
Sekiranya anda
masih
ragu-ragu tentang sebarang aspek risiko ini atau syarat-syarat pinjam
an, anda hendaklah m
erujuk kepada institusi yang menaw
arkan pinjaman tersebut.
Risiko m
elabur di
dalam
unit am
anah m
elalui pinjam
an adalah
berbeza sekiranya harga unit am
anah tersebut berubah-rubah. Oleh yang dem
ikian, anda perlu m
endapatkan maklum
at berkenaan risiko-risiko tersebut daripada institusi yang m
enawarkan pinjam
an. PEN
GESA
HA
N PEN
ERIMA
AN
PENYA
TA PEN
DED
AH
AN
RISIKO
Saya mengesahkan bahaw
a telah menerim
a satu salinan Penyata Pendedahan Risiko
Pelaburan D
alam
Saham
Am
anah
Menerusi
Pinjaman
dan telah
mem
ahami isi kandungan yang telah diterangkan kepada saya.
Investing in a Unit Trust Fund W
ith Borrowed M
oney Is More Risky than
Investing with Your O
wn Savings.
You should assess if loan financing is
suitable for you in light of your
objectives, attitude to risk and financial circumstances. You should be aw
are of the risks, w
hich would include of the follow
ing: 1.
The higher the margin of financing (that is, the am
ount of money
you borrow for every ringgit of your ow
n money w
hich you put in as deposit or dow
n payment) the greater the potential for losses or
gains on your investment.
2.You should assess w
hether you have the ability to service the repaym
ents on the proposed loan. If your loan is a variable rate loan, and if interest rates rise, your total repaym
ent amount w
ill be increased.
3.If unit prices fall beyond a certain level, you m
ay be asked to provide additional
acceptable collateral
(where
here units
are used
as collateral)
or pay
additional am
ounts on
top of
your norm
al installm
ents. If you fail to comply w
ithin time prescribed, your units
may be sold tow
ards the settlement of your loan.
4.Returns on unit trusts are not guaranteed and m
ay not be earned evenly over tim
e. This means that there m
ay be some years w
here returns are high and other years w
here losses are experienced. W
hether you eventually realize a gain or loss may be affected by the
timing of the sale of your units. The value of units m
ay fall just when
you want your m
oney back even though the investment m
ay have done w
ell in the past. The brief statem
ent cannot disclose all the risks and other aspects of loan financing. You should therefore carefully study the term
s and conditions before you decide to take a loan. If you are in doubt about any aspect of this risk disclosure statem
ent or the terms of the loan financing, you should
consult the institution offering the loan. The risks of investing w
ith borrowed m
oney may differ w
hen the unit price of a unit trust fluctuates, and you should consult the institution offering the loan on these risks. A
CKNO
WLED
GM
ENT O
F RECEIPT OF RISK D
ISCLOSU
RE STATEM
ENT
I acknowledge that I have received a copy of this U
nit Trust Loan Financing Risk D
isclosure Statement and understand its contents.
Tandatangan/Signature : ___________________________________
Tarikh/Date
: ___________________________________
Nam
a Penuh/Full name : __________________________________
No. K/P/ I/C N
o. : __________________________________
No. A
hli/ Account N
o. :___________________________________
Cap Ibu Jari Kiri/Left Thumb Print
AM
AN
AH
SA
HA
M N
AS
ION
AL B
ER
HA
D (47457-V
)
1-HB/VP
PEN
YATA PEN
DED
AH
AN
RISIKO PELA
BURA
N D
ALA
M U
NIT A
MA
NA
H M
ENERU
SI PINJA
MA
N
(UN
TUK TA
BUN
G U
NIT A
MA
NA
H BERH
ARG
A TETA
P) U
NIT TRU
ST LOA
N FIN
AN
CING
RISK DISCLO
SURE STATEM
ENT
(FOR FIXED
PRICE UN
IT TRUST FU
ND
S)
Melabur di dalam
saham am
anah menerusi pinjam
an mem
punyai risiko yang lebih tinggi berbanding dengan m
enggunakan wang
sendiri. A
nda hendaklah menilai sam
a ada pelaburan menerusi pinjam
an adalah sesuai untuk anda berdasarkan objektif anda, tanggapan anda terhadap risiko dan kedudukan kew
angan anda. Anda perlu
peka terhadap risiko-risiko terbabit seperti: 1.
Lebih tinggi had pinjaman (iaitu jum
lah wang yang dipinjam
bagi
setiap ringgit
wang
anda yang
diletakkan sebagai
pendahuluan), m
aka lebih
tinggilah potensi
untuk m
engalami kerugian atau m
endapat keuntungan. 2.
Anda perlu m
enilai sama ada anda berupaya m
embuat
pembayaran
balik pinjam
an. Sekiranya
pinjaman
anda dibuat dengan kadar faedah yang berubah-ubah, dan jika berlaku
kenaikan faedah,
maka
jumlah
bayaran balik
pinjaman anda akan m
eningkat. 3.
Pulangan dari saham am
anah adalah tidak terjamin dan
tidak tetap
setiap tahun.
Ini berm
akna anda
mungkin
mendapat pulangan yang tinggi dalam
sesuatu tahun, dan tiada pulangan pada tahun yang lain. O
leh itu, risiko dari pelaburan
melalui
pinjaman
termasuk
keupayaan untuk
mem
bayar balik pinjaman di m
ana pulangan dari pelaburan unit am
anah adalah tidak sepadan dengan jumlah faedah
yang perlu dibayar untuk pinjaman tersebut.
Penyata ringkas di atas tidak dapat mendedahkan sem
ua risiko-risiko dan lain-lain aspek berkenaan pem
biayaan atau pinjaman.
Anda
hendaklah m
eneliti secara
terperinci syarat-syarat
yang dikenakan sebelum
anda mem
buat keputusan untuk mengam
bil pinjam
an. Sekiranya anda masih ragu-ragu tentang sebarang aspek
risiko ini atau syarat-syarat pinjaman, anda hendaklah m
erujuk kepada institusi yang m
enawarkan pinjam
an tersebut. PEN
GESA
HA
N PEN
ERIMA
AN
PENYA
TA PEN
DED
AH
AN
RISIKO
Saya mengesahkan bahaw
a telah menerim
a satu salinan Penyata Pendedahan
Risiko Pelaburan
Dalam
U
nit Am
anah
Menerusi
Pinjaman
dan telah
mem
ahami
isi kandungan
yang telah
diterangkan kepada saya.
Investing in a Unit Trust Fund W
ith Borrowed M
oney Is More Risky
than Investing with Your O
wn Savings.
You should assess if loan financing is suitable for you in light of your objectives, attitude to risk and financial circum
stances. You should be aw
are of the risks, which w
ould include of the following:
1.The higher the m
argin of financing (that is, the amount of
money you borrow
for every ringgit of your own m
oney w
hich you put in as deposit or down paym
ent) the greater the potential for losses as w
ell as gains. 2.
You should assess whether you have the ability to service
the repayments on the proposed loan. If your loan is a
variable rate loan, and if interest rates rise, your total repaym
ent amount w
ill be increased. 3.
Returns on unit trusts are not guaranteed and may not be
earned evenly every year. This means that there m
ay be som
e years where returns are high and other years w
here there is no return from
the investment of the unit trusts.
Hence, the inherent risk of investing w
ith borrowed m
oney includes the ability to service loan repaym
ents should the return
from
investment
in a
unit trust
fund does
not com
mensurate w
ith the interest expenses arising from the
loan. The brief statem
ent cannot disclose all the risks and other aspects of loan financing. You should therefore carefully study the term
s and conditions before you decide to take a loan. If you are in doubt about any aspect of this risk disclosure statem
ent or the terms of the
loan financing, you should consult the institution offering the loan. A
CKNO
WLED
GM
ENT O
F RECEIPT OF RISK D
ISCLOSU
RE STATEM
ENT
I acknowledge that I have received a copy of this U
nit Trust Loan Financing Risk D
isclosure Statement and understand its contents.
Tandatangan/Signature : ___________________________________
Tarikh/Date
: ___________________________________
Nam
a Penuh/Full name : __________________________________
No. K/P/ I/C N
o. : __________________________________
No. A
hli/ Account N
o. :___________________________________
Cap Ibu Jari Kiri/Left Thumb Print
AM
AN
AH
SA
HA
M N
AS
ION
AL B
ER
HA
D (47457-V
)
2-HT/FP