Amanah Hartanah Bumiputera
Sponsor
Now You
Can!
Invest in Malaysia’s
prime properties with
just RM500
Managed by
Maybank Asset Management Sdn. Bhd. (421779-M)
(formerly known as Mayban Investment
Management Sdn. Bhd.)
Distributor
Trustee
Malayan Banking Berhad (3813-K)
AmanahRaya Trustees Berhad (766894-T)
Please read and understand the prospectus before investing.
The prospectus is available at all Maybank branches.
The information contained in this promotional material is general information only and does not take into account your
individual objectives, financial situations or needs. You should seek your own professional advisers before investing.
Investors are advised to read and understand the contents of the Prospectus of Amanah Hartanah Bumiputera dated
29 November 2011 (expires on 28 November 2012), before investing. The Prospectus has been registered with the
Securities Commission Malaysia who takes no responsibility for its contents. A copy of the Prospectus can be obtained
from any of Malayan Banking Berhad’s branches. You should be aware that the investments in unit trust funds carry
risks. You should also consider the fees and charges involved before investing. Distributions payable, if any, may go
down or up. Units, subject to availability, will be issued upon receipt of completed application form accompanying the
prospectus and subject to terms and conditions therein.
INFORMATION ON THE FUND
The salient features of the Fund are set out below:
Name
Amanah Hartanah Bumiputera
of the Fund
(AHB or the Fund)
Deed
The deed of the Fund is dated 20 October 2010 and
its supplemental deed dated 5 January 2011
Category
of Fund
Real estate backed assets
Type of Fund
Income
Sponsor
Pelaburan Hartanah Berhad
Manager
Maybank Asset Management Sdn. Bhd. (421779-M)
(formerly known as Mayban Investment Management Sdn. Bhd.)
Trustee
AmanahRaya Trustees Berhad
Price per Unit
The price of a unit is fixed at RM1.00 per unit
Investment
Objective
The Fund seeks to provide unit holders with a
regular and consistent income stream whilst
preserving the unit holders’ investment capital
Investment
Strategies
The Fund will seek to achieve its investment
objective by investing primarily in the beneficial
ownership of real estate in Malaysia from the
Sponsor in particular commercial properties
including but not limited to office buildings,
shopping complexes, commercial centres, logistics and
industrial complexes. The Fund will also invest in
Shariah compliant money market instruments and
equivalent instruments and hold cash to meet its
liquidity requirements
Asset
Allocation
Investments
• Investment in beneficial ownership of real estate in
Malaysia which are Shariah compliant
Limits
• 0% to 100% of the Fund’s Value of Fund may be
invested in beneficial ownership of real estate in
Malaysia
Investments
• Cash and any other money market instruments
which are Shariah compliant
Limits
• 0% to 66% of the Fund’s Value of Fund may be
invested in cash and any other money market
instruments
Performance
Benchmark
12-month General Investment Account-i of Maybank
Islamic Berhad
Principal Risks
of Investing
in the Fund
The potential risks associated with the Fund are as
follows:
(i) liquidity risk;
(ii) market risk;
(iii) profit rate risk;
(iv) counterparty risk; and
(v) early redemption risk
Investors’
Profile
The Fund may appeal to investors who:
(i) have a long-term investment horizon;
(ii) seek capital preservation;
(iii) seek regular income; and
(iv) have low risk tolerance
Distribution
Policy
Distributions may be made from the income of the
Fund, if any, at the election of the Manager on a
semi-annual basis or at such other times as the
Manager in its sole discretion may determine, subject
to approval from the Trustee. You are required to
open a bank account or provide a bank account
number in the application form when you first invest
in the Fund
Approved
Fund Size
1,000,000,000 units
Financial
Year End
30 September
Eligibility
(i) Malaysian Bumiputera:
(a) Akaun Dewasa (18 years and above);
(b) Akaun Remaja (for minors aged 3 months but
below 18 years under the name of a legal
guardian. The legal guardian must be 18 years
and above. Both the legal guardian and minor
must be Malaysian Bumiputera)
(ii) Others as specified by the deed
Units
Allocation
The Manager in consultation with the Sponsor has
the absolute discretion to offer the units in any
manner deemed appropriate
CHARGES AND FEES
There are charges and fees involved and investors are advised to
consider them before investing in the Fund. All charges are
non-negotiable.
Distribution payable, if any, may go down as well as up.
For information concerning certain risk factors which should be
considered by prospective investors, you may refer to Section 3 of
the Prospectus.
1 Charges
This table describes the charges that you may directly incur when
you buy or sell the units of the Fund:
Sales Charge
Currently, the Manager does not impose any sales
charge whenever you buy units
Repurchase
Charge
Currently, the Manager does not impose any charge
whenever you sell units
2 Fees
You will also incur indirect fees and expenses when investing in the
Fund. This table describes the fees that you may indirectly incur
when you invest in the Fund:
Annual
Management
Fee
Up to a maximum of 1.00% per annum of the Value of
Fund, calculated and accrued daily, as maybe agreed
between the Trustee and the Manager
Annual
Trustee Fee
Up to 0.08% per annum of the Value of Fund, subject
to minimum of RM18,000 per annum
Fund
Expenses
Apart from the management fee and trustee fee, there
are other annual expenses involved in running the
Fund, including, the Auditors’ remuneration and
other relevant professional fees and costs, bank
charges, zakat, Shariah advisory fees, charges and
expenses related to the printing and distribution of
annual reports and notices, as well as expenses
which are directly related to and necessary for the
business of the Fund as set out in the deed. These
expenses are deducted from the gross income of the
Fund
Management
Expenses
Ratio
The ratio of all the fees deducted directly from the Fund
(including the management fee, the trustee’s fee and
other professional fees) and expenses recovered
from and/or charged to the Fund (including the cost
of printing, stationery and postage) expressed as a
percentage of the average value of the Fund,
calculated on a daily basis
TRANSACTION INFORMATION
Minimum
Initial
Investment
500 Units
Maximum
Investment
200,000 units per unit holder
The Manager has the discretion to vary the limit on
investment by any unit holders
Minimum
Additional
Investment
100 Units
Minimum
Balance
Requirement
Unit holders are required to maintain a minimum
balance of 500 units. In the event a request to
repurchase would result in a unit holder holding
less than 500 units, the Manager is entitled to
repurchase all the remaining units and to close the
unit holder’s account
Minimum
Repurchasing
of Units/
Selling of Units
500 Units
Frequency of
Repurchasing
of Units
Once in a calendar month
Cooling-off
Right
Not applicable
Payment for
Units
Repurchased
The payment for the repurchasing of units will be
made within 10 business days upon receipt of
repurchase request but the Manager will
endeavour to pay on the spot
Distribution
Re-investment
Option
Switching
Policy
Any distribution from the Fund shall be paid fully in
cash to unit holders’ bank account
Not applicable
FREQUENTLY ASKED QUESTIONS
1. ABOUT AMANAH
HARTANAH BUMIPUTERA
1.1 What is Amanah Hartanah Bumiputera (AHB or the Fund)?
AHB is a Shariah compliant unit trust fund that invests primarily in the
beneficial ownership of commercial properties in prime locations in
Malaysia. It has an initial fund size of 1 billion units available to be
subscribed by Bumiputera investors at a price of RM1.00 per unit at all
Maybank branches.
The Fund is presently backed by five prime commercial properties
that are already tenanted and are enjoying a steady stream of rental
income.
It is established to provide opportunity to Bumiputera investors to
participate in owning prime commercial properties through the holding
of units in AHB as unit holders.
1.2 What is the investment objective of AHB?
The investment objective of AHB is to provide unit holders with regular
and consistent income stream whilst preserving the unit holders’
investment capital.
1.3 Who are eligible to invest in AHB?
The following persons are eligible to invest in AHB:
• Bumiputera individuals aged 3 months to 18 years old (“Akaun
Kanak-Kanak/Remaja”) and
• Bumiputera individuals aged above 18 years old (“Akaun Dewasa”)
1.4 What are the advantages of investing in AHB?
• The investment is backed by commercial properties in prime locations
in Malaysia
• AHB is an investment scheme that has been certified as Shariah
compliant
• Fund is managed by professional and experienced fund manager
• Affordable as it only requires small initial investment
• Your rights and interest are closely monitored by AmanahRaya
Trustees Berhad, as the Trustee for the Fund
• Long term investment with potentially competitive returns
• Extensive Maybank branch network around Malaysia
2. INVESTING IN AMANAH HARTANAH
BUMIPUTERA
2.1 What should I do if I am interested to invest in AHB units?
You are advised to read and understand the contents of the Prospectus of
the Fund, which have been registered with the Securities Commission
Malaysia, before investing in the Fund. Copies of the Prospectus
and application forms are available at any of Maybank’s branches
in Malaysia.
2.2 What should I do if I want to purchase AHB units?
You can purchase AHB units at any Maybank branch throughout
Malaysia on any business day* during office hours. At the branch you
are advised to do the following:
• Ask for assistance at the Enquiry Counter
• You will be directed to consult a Financial Executive (FE) at the
Maybank branch to explain on the Fund in more detail
• Fill in the form “Borang Pendaftaran – Akaun Dewasa” or
“Borang Pendaftaran – Akaun Kanak-Kanak/Remaja” whichever
is applicable
(Please take note that you will be required to provide a bank
account number in the form. This is to facilitate payment of
dividend, if any, as the dividend will be paid directly in to your
account. Bank account other than Maybank is acceptable but a
minimum charge will be imposed to cover transaction cost upon
payment of dividend. Alternatively, you can open a new Maybank
account at a minimum deposit of RM10)
• Submit the completed form together with your NRIC, or Mykid/
original Birth Certificate (for individuals aged 3 months to 18 years old)
and the investment amount in either cash or banker’s cheque at
the counter. Subsequently, a validated copy of the “Borang Pendaftaran”
will be issued to you as evidence of your investment
Note:- * Business days is as defined in the Prospectus
2.3 How much is the unit price of AHB?
The price of a unit is fixed at RM1.00.
2.4 What are the minimum, maximum and additional
investment allowed?
The initial investment is RM500. Subsequent purchases can be
made as little as RM100.
Maximum investment is RM200,000 per eligible Bumiputera
individual.
2.5 What is the minimum amount for redemption?
The minimum redemption amount is RM500. You can redeem your
units by filling in “Borang Jualan Balik” at the counter.
(Please take note that the remaining balance in your account must at
least be RM500, otherwise you will be required to redeem all of your
balance and your account will be closed.)
2.6 How frequently can I redeem my units?
Redemption can only be done once in every calendar month.
2.7 How do I pay to invest in AHB?
Either by cash or banker’s cheque (Personal cheques will be subject
to cheque clearance).
2.8 Will I get a passbook or certificate on my investment upon
acceptance of investment in AHB units?
Your investment is evidenced by a validated copy of the “Borang
Pendaftaran” at the point of making your purchase of AHB units at
Maybank. Your personal data will be captured and maintained via
“Maybank Automated Retails System”.
A statement shall be issued every six months showing balance of
your investment in AHB. In addition, you may also put a request for
your statement to be printed out at any of Maybank branches by
producing your identity card. However, the statement will not be
produced immediately upon your request. Maybank will contact you
once the statement is ready for collection.
2.9 How frequent is the income distribution?
Income distribution (if any) will be made on a semi-annual basis.
2.10 Can the distributions be reinvested?
Generally, income distribution will be paid in cash (i.e. by direct crediting
into your bank account). Unit holders may reinvest subject to the
availability of units.
2.11 Are there any sales or repurchase fees or charges imposed?
There will be no charges or fees imposed. You can buy and sell the
unit at exactly RM1.00 per unit.
2.12 Is there any maturity period for the Fund?
There is no maturity period for the Fund. The Fund’s tenure is
indefinite, subject to the terms of the deed.
2.13 Can I transfer the units to my next of kin/others?
Transfer of units is not permitted, save for the following:
(i) transfer to and from the Sponsor; and
(ii) transfer to the Trustee, administrator or executor of the estate of
a deceased unit holder who is entitled to be registered as a unit
holder
2.14 Where can I obtain more information on AHB?
You may contact the Manager at 03-2297 7888 or Maybank Distribution
Branches as detailed in the Directory of Maybank Distribution Branches in
AHB Prospectus.