SEMBANG KEWANGAN

& PELABURAN

31 JULY 2021
Mohd Azmer Md Zainol
UTC - Agency Manager

Ir Mohd Azmer @ir.azmer_3443 019-3676512

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Feedback from Google Form

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 Basic financial management

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PENGUMPULAN PERLINDUNGAN PENGAGIHAN

HARTA HARTA HARTA
wealth accumulation wealth protection wealth distribution

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Basic financial management

our focus today

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 Peningkatan
kos sara hidup

Kadar inflasi
yang tinggi

Ekonomi
tidak stabil
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Inflation is the silent killer to our financial
2012-2021 inflation rate, as low as -3% to as high as 5%

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 Inflation is the silent killer to our financial

Dalam sedar tak sedar, nilai wang kita semakin susut dengan kenaikan inflasi
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Economy instability, is it a threat or an opportunity?
KLCI Bursa Malaysia 1995 - 2020
Covid19
Dec 2019 -
Current
Asian Financial Global Financial
Crisis Crisis
1997 - 1998 2008 - 2009

+144.9%
-23.3%

+285.7% -23.5%

-79.3%

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 There are many savings and investment
platforms in Malaysia

* not all options are shown here 12

Why Invest In Unit Trusts?

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What Is Unit Trust?
8020 EMPIRE 2021 – NOT FOR EXTERNAL DISTRIBUTION
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8020 EMPIRE 2021 – NOT FOR EXTERNAL DISTRIBUTION
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Why Not Unit Trust???

Fixed Deposit

8020 EMPIRE 2021 – NOT FOR EXTERNAL DISTRIBUTION

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 2-3% 4-5% 5-7% 6-12% -100 + 100%

8020 EMPIRE 2021 – NOT FOR EXTERNAL DISTRIBUTION Past performance of a fund is not an indication of its future performance. Neither the Manager nor the trustee 18
guarantees the performance of any of the funds or the repayment of capital.
Is there any difference between 4% and 8% return?

10 %

Encik Alif
Monthly saving of RM200

8%

6%

4%
Senario 1:
Invest RM100K dengan kadar keuntungan 4%, mengambil masa 18 tahun untuk
menjadi RM200K

Senario 2:
Invest RM100K dengan kadar keuntungan 8%, mengambil masa 9 tahun untuk
menjadi RM200K
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Kawan cerita invest dalam saham boleh untung besar

tapi
takde MASA, takde KNOWLEDGE, takde GUIDE
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 Unit Trust gives you high return at lower risk
guided by licensed UTC

Unit Trust adalah satu investment platform mengunakan investors pool of money yang diuruskan oleh
Professional Fund Manager dan dikawalselia oleh pemegang amanah (Trustee).

Duit tersebut dilaburkan oleh Fund Manager ke dalam syarikat dalam dan luar negara yang berpotensi
tinggi untuk memberikan keuntungan kepada investors.
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 SIMPLE
YET POWERFUL
Who Are We?
80:20 Empire

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Company Profile

As a wholly-owned subsidiary of ,
we enjoy strong support from our parent company and the
established PB brand name.

Public Mutual, the No.1* private unit trust company and

Private Retirement Scheme (PRS) provider in Malaysia,
commands a market share of 32.2% for the retail funds sector Market Share of
Private Unit Trust Industry

and 45.2% for the PRS sector.

Public
Mutual
Our total net asset value stands at more than RM100 billion as 32.2%

at end-March 2021.
Source:
*In terms of total fund size managed amongst private unit trust companies and PRS providers in Malaysia. ^ Source: The Edge-Lipper, 23 April 2018
Public Mutual is the market leader in the industry with the biggest market
share

We remain the top-of-mind unit trust brand in Malaysia. Our winnings of

the Reader’s Digest Trusted Brand Platinum Award for 11 consecutive years
as well as The BrandLaureate award for 13 consecutive years is an
affirmation of our strong brand presence.

With 41 syariah unit trust funds, 9 PRS funds, 31 customer service centers
nationwide and over 260 Public Bank branches nationwide
Source: Lipper Leaders, 30 June 2020 (details in Appendix A) 27
80:20 Empire agency is currently ranked #1 nationwide, has more than
18 years of experience with total Asset Under Management over
RM 800 million

WM SYAMZARI AHMAD ABDUL HALIM, CFA Ir. MOHD AZMER

Group Agency Manager Agency Manager Agency Manager

• B.Eng (Mechatronics), UTM
• Top Group Agency Manager
Nationwide
• RM10 Million Ringgit Producer
since 2014
• More than 18 years of
experience
• More than RM 800 million
total Asset Under
Management
• LLB (Hons), University of
London
• Chartered Financial Analyst
(CFA) charter holder since
2010
• Executive Director, one of the
world's largest independent
equity research provider
• More than 15 years experience
in providing fundamental
research across Asia Pacific
• B. Eng (Civil & Structural),
M.Sc Proj. Mgmt
• Top Consultant (Northern)
• Top Agency Manager
(Northern)
• Million Ringgit Producer
since 2013
• Total Asset Under
Management (TAUM
> RM 60 million)

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 How unique Unit Trust investment compared to others

Flexible
Risk Management
Fund diversification allows
balanced risk exposure
while maximizing potential
return
Wide Investment
Exposure
Simultaneous investment
into multiple asset classes
within local, Asia, US and
Europe, across regions
High
Online Liquidity
Accessibility
Investors may
Public Mutual Online top-up/redeem directly
(PMO) allows you to from/to their bank account
monitor the investment on using PMO partially or full
the go, anywhere anytime amount

• Authorization of the unit trust funds, including the approval of the fund’s management company and trustee are regulated by Security Commission (SC)
• Licensed Unit Trust Consultant (UTC) to provide consistent monitoring and advisory on fund selections, market performance and suitable investment plans

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To balance risk and investment return,
we have 41 shariah funds to choose in
building client investment portfolio.
Each client investment portfolio is
tailored based on their needs.

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 How do we profit from Unit Trust

1 Price Growth
The unit price difference is profit in hand
2 Annual Distribution
Consistent annual distribution giving additional units at no cost

e
Averag ice
se pr
purcha
a r ke t Value
M

Total Investment = Market Value Total Units

Total
U nits

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Be a versatile investor, invest smartly
Price Growth Annual Distribution

Mutual Gold
benefits

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Mutual Gold benefits, value added as Public Mutual investor

Source: https://www.publicmutual.com.my/Menu/Priority-Services/Mutual-Gold
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 Testimonial of Unit Trust Investment

Source:
WHAT ARE THE
STRATEGIES TO ACHIEVE
THIS INVESTMENT GOAL ?
Our strategic approach to meet your financial objectives

1 Asset allocations
Balancing risk categories with Fund Type (Equity, Mixed Asset, Balanced, Bond &
Money Market) and country exposures (Local, Asia Pacific & Global)

Regular investment
2 Time in the market always beats timing the market. Consistent investment would
results in Ringgit Cost Averaging (RCA)

Close performance monitoring

3 Market performance is beyond control, no one can predict the future. During market
ups and downs, we can act accordingly by doing fund switching, portfolio rebalancing
or redemption where necessary

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Good Consultant-Investor relationship
UTC to provide advice to clients regularly and clients to cooperate well over proposed
plans to meet financial objectives. U-need trust in Unit Trust

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Act today . . .

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for tomorrow.

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 How to invest in Unit Trust

From Account 1
1 • Withdrawal eligibility based on EPF basic table
• Frequency is every 3 months

A One off (lump sum)

2 B Monthly contribution
• Automatic via DDA
• Manual via PMO

Note: monthly cash investment via DDA is voluntary contribution, not a commitment

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8020 EMPIRE 2021 41 Back
Do you have financial objectives?

1. Emergency fund Rule of thumb, an option of 3 or 6, up to 12 months as basic savings

2. Pergi Haji fund Rukun Islam ke5 yang wajib kita usahakan dan menyimpan dari awal
3. Retirement fund Persediaan awal untuk hari tua, RM 1mil in 20,30 years is achievable
4. Education fund RM100K–RM200K untuk local IPT, atau RM200K–400K untuk oversea
5. Debt settlement fund Pelan awal untuk melangsaikan hutang kereta, Personal Loan etc.

6. Others – holiday, hobby etc

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 Assumption:
Retirement Planning • RM3,000 contribution
every 3 months
RM1,298,929 • EPF returns ~ 4%
• Public mutual ~ 8% (pre-
retirement) and ~ 6% (post-
retirement)
RM646,684

Passive income:
RM9,437 / mo
RM50,000 initial
capital from EPF
Passive income:
RM4,698 / mo

Start working Today 55 Years Old End of Life

Assume: 30 years old Assume: 75 years old

Would you choose RM4,698 / month over RM9,437 / month, purely from Unit Trust Retirement Plan?
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 Objective needs to be specific and measureable
Example #1
APA
Education fund Ahmad Irfan (8 years old)
to save RM100K by 18 years old

Example #2
BERAPA
Nak pergi haji pakej RM40K in 2030

Example #3
Nak family holiday Europe trip pakej
BILA total RM80K lagi 5 tahun
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Planning not necessarily be perfect, but it’s a starting point

#flagsoflife
Encik Alif
25 years old
Male, single
Executive, RM3,500 salary

anak pertama umur 18 - 100K

2040
beli kereta -
anak kedua umur 18 - 100K
10K
2020 2042
10th anniversary - EPF akaun 2 (umur 50) -
berkahwin - 30K
5K 200K
2021 2031 2045
beli rumah - pergi haji - EPF akaun 1 (umur 55) -
#innalillah
20K 40K 850K
2021 2035 2050 20??

2020 2027 2034 2041 2048 2055 2062 2069 2075

Today

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 The Power of Compounding
Lebih awal kita bermula, lebih rendah nilai yang diperlukan dan hasil profit nya akan lebih tinggi.

Masa sering mencemburui kita. Bertindak sebelum terlambat, kerana kesannya apabila terlambat,
lebih tinggi nilai yang diperlukan untuk mencapai keputusan yang sama.

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Investing With DDA

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Direct Debit Authorisation
• Automated investing on a monthly basis from any bank, via FPX

• Takes advantage of Ringgit Cost Averaging

• Forced “Investing”

• Can withdraw or redeem anytime

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Investing With PRS

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Campaigns

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Normal Category

Youth Category

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Ir. Azmer MZ
Agency Manager, 80:20 Empire
Public Mutual Berhad

July 2021

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