Services provided as a Unit Trust Consultant (UTC) of Public Mutual Berhad

There are various service provided by the Unit Trust Consultant such as Investment Planning, Trust Nomination, Will & Wasiat Writing, Insurance and Credit Card Application.

1. Investment Planning

Investment Planning a crucial aspect of
our 21st century lifestyle. Plan your savings
and investments wisely to achieve
your financial goals 

1.1 Education Planning

When planning for your children’s education, do take into consideration the ever increasing cost of living, effects of inflation and the escalating cost of tertiary education. Fortunately, with proper planning and a good head start, saving for your children’s next step in life is attainable. 

Use below guide to discover the estimated costs that would be needed for your little one's tertiary education and how you can go about saving for it:

Education Planning & Calculator and University Cost Guide

1.2 Retirement Planning

Rather than see your hard earned money be eaten up by the effects of inflation over time, do set aside a little during your heydays to welcome a comfortable retirement.
Besides offering an array of unit trust funds, Public Mutual is also one of the approved Private Retirement Scheme (PRS) providers in Malaysia, managing 6 core funds and 3 non core funds.  

Explore our products and use below guide to estimate your post-retirement lifestyle to begin saving for your golden years: 

Retirement Planning & Calculator and Private Retirement Scheme

2. Trust Nomination

A Trust Nomination permits you to name your loved
ones as beneficiaries of your unit trust investments.

Public Mutual Trust Nomination Service is a declaration of Trust by a unitholder on his/her unit trust investments which is to be distributed to the named beneficiaries upon the unitholder's demise.

Benefits of Trust Nomination

• With just a minimal fee, you can ensure your hard earned investments are passed on to your loved ones.
• Minimum legal formalities and fast distribution of your investments to the beneficiaries without having to go through the lengthy process of Probate or Letter of Administration.
• For minor beneficiary(ies), PB Trustee Services Berhad (PBTSB) will hold the money until the beneficiary(ies) attain the age of 18 years old and will make necessary advance payment for maintenance, medical and education expenses if the need arises.

3. Insurance

- Funds that come with Complimentary* Insurance such as 

• Public Far-East Balanced Fund
• Public Tactical Allocation Fund
• Public Ittikal Sequel Fund
• Public e-Islamic Cash Deposit Fund
• PRS Equity Fund
• PRS Strategic Equity Fund

-Optional Insurance offered to unitholders* such as

• Mutual Life Plus 2
• Mutual MediCare
• Mutual Takaful Protection
• Group Term Life with Personal Accident

-Complimentary* Group/Talaful Group Personal Accident with Permanent Disablement such as

• Mutual Gold Members
• Mutual Gold Elite Members

-Product Disclosure Sheet such as

• Public Ittikal Fund Complimentary* Takaful
• Public Ittikal Sequel Fund Complimentary* Takaful
• Public Islamic Asia Tactical Allocation Fund Complimetary* Takaful
• Public Islamic Mixed Asset Fund Complimentary* Takaful

4. Credit Card Application

- UTC can help the client register for Public Bank credit card ONLY which subject to terms & conditions.

Public Mutual Private Retirement Scheme(PRS)大众信托基金私人退休计划

大众信托基金PRS是由大众信托基金所管理的私人退休计划，目的是提供给公众为退休而建立的长期储蓄计划，换句话说这是私人的养老金，把钱存进去之后，需要到55岁才能拿出来。

好处：
1. 个人所得税折扣Rm3000
2. 所有20～30岁的年轻人只需要存入至少Rm1000就可得到政府额外津贴的Rm1000（必须在2018年12月31号或之前存入至少Rm1000）
3. 从而得到的收入豁免于马来西亚所得税。
4. 没有强逼性TOPUP
5. 存入Rm5000/以上并可或者额外的保险保障。

PRS回筹是否有保障？
没有保证最低回筹。需知道投资都是有风险的，高风险高回报；低风险低回报。

提早提款（55岁之前）
PRS有分成2个户口，第一户口（70%）必须等到55岁才能提款，第二户口（30%）每年可以提款一次，可是会被charge 8%的税务罚款。

Public Mutual Private Retirement Scheme(PRS) is the private retirement plan which manage by Public Mutual. Investors/Depositors only can withdraw the funds when they reach at age of 55.

Benefits : 
1. Personal Tax Relief Rm3000
2. All teenagers age between 20~30 who deposit at least Rm1000 into PRS account before 31 Dec 2018 will get an incentive of Rm1000 which given by government.
3. All the income exempted from Malaysia Income Tax
4. Not a must to TOPUP monthly, flexible amount and time.
5. 100% insurance coverage will be given to the depositors if deposit at least Rm5000 into Rm5000. Maximum insurance coverage = Rm100,000

Do PRS guarantee return?
No. Return of investors/depositors depends on investment performance. High risk high return, low risk low return.

Pre-retirement withdrawal(Before 55 years old)
PRS contain of account 1(70%) which we can't withdraw the money before we reach age of 55 and account 2(30%) which can be withdraw once a year and subject to 8% tax penalty.

What is Unit Trust?什么是信托基金？

信托基金是一种“利益共享、风险共担”的集合投资方式，意思是由某间公司 ，例如Public Mutual, Manulife或者CWA收集投资者的钱，形成一定规模的信托资产再交由专业的基金经理负责分散投资。

为什么投资信托基金？

1. 基金的回筹通常都会高过银行的定期利率，抵抗通货膨胀。

2. 分散投资，基金经理会把投资者的钱分别投资在不同的领域，当某个领域行情不好，另一个领域或许正值高峰，相互抵消，降低投资风险。

3. 当投资者投资之后，钱会交给专业的基金经理负责投资，投资者无需花时间监督市场情况。

4. 入门投资金额不高，通常如今Rm1000就能开始投资。没有现金的投资者也可以选择用部分退休金户口1的钱进行投资，此外，还可以选择每月自动扣账投资，每月Rm100也可以。

Unit Trust Fund is an investment instrument which investors share the profit and risk. A company such as Public Mutual, Manulife or CWA will pool the money of investors and pass it to professional fund managers in order to invest in the way of diversification.

Why invest in Unit Trust?

1. The return gain from Unit Trust Funds normally will higher than return of Fixed Deposit in banks. It will protect us against the ravages of inflation.

2. Diversification of the scheme's investment. Diversification will decrease the risk or increase the return of investment. For example, the fast growing in banking industry will offset the loss if market down in property industry.

3. The professional fund manager will incharge to invest and monitor the market conditions. Investors no need to spend time on this.

4. The initial investment amount normally will start with only Rm1000. Investors may choose to invest monthly even Rm100/month by using auto debit method. Besides, the investors with no cash in hand may choose to invest by using a portion money of their EPF account 1.