Insurance & Takaful - Yin's diary

 

Insurance & Takaful 

Complimentary* Group Term Life / Personal Accident Insurance

The following Insurance/Takaful coverage is provided to qualified unitholders of the following funds:

* MUTUTAL GOLD MEMBER

* PRS MEMBER

* T&C

Note:

Details in this web page are for information purposes only. The benefits and exclusions described herein are subject to all the terms and conditions of the Master Policy. The copy can be viewed at any of Public Mutual Customer Service Centre/Branches

* Subject to terms and conditions.

You are advised to read and understand the following before contributing or proceeding further from this page:

• Product Highlights Sheet
• Disclosure Document

Members should rely on their own evaluation to assess the merits and risks of the contribution. In considering the contribution, members who are in doubt as to the action to be taken should consult their professional advisers immediately.

PLEASE CLICK IN :-

* INSURANCE COVERAGE 

* SUBMISSION OF CLAIM 

* UNDERWRITER OF COMPLIMENTARY AND OPTIONAL INSURANCE

DIVERSIFY YOUR RETIREMENT FUND 退 休 基 金 多 元 化 - Yin's diary

 

DIVERSIFY YOUR RETIREMENT FUND VIA EPF-MIS

透 过 EPF-MIS 投 资 计 划 让 您 的 退 休 基 金 多 元 化 

Diversify Your Retirement Fund via EPF-MIS

Plan ahead and boost the value of your Employees Provident Fund (EPF) savings to increase your future purchasing power. Consider EPF Members Investment Scheme (EPF-MIS) for a comfortable and enjoyable retirement lifestyle.

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What is EPF-MIS?

• A scheme that allows EPF members to transfer a portion of their savings for investment in unit trusts.
• Qualified EPF members can choose to invest into EPF-qualified unit trust funds with fund management institutions (IPD) appointed under the EPF-MIS.

The Benefits of Investing through EPF-MIS

	No cash required. Investment is transacted directly from your EPF Account 1		Diversify with selected overseas and domestic funds
	Wide range of EPF-qualified unit trust funds		Opportunity to optimise your EPF savings

How to Invest

• The amount that can be invested is 30% of the savings in excess of the Basic Savings required in Account 1.
• Minimum investment is RM1,000.

Find Out if You Qualify

• Check your account balance at any EPF Smart Kiosk* nationwide by using your MyKad or;
• Refer to your latest EPF statement or;
• Log on to EPF website (www.kwsp.gov.my) if you are an i-Akaun registered user.
  * Please refer to www.kwsp.gov.my for detailed information related to smart kiosk locations and operation hours.    

Required Basic Savings in Account 1

AGE	BASIC SAVINGS (RM)	AGE	BASIC SAVINGS (RM)
18	2,000	37	68,000
19	4,000	38	74,000
20	6,000	39	80,000
21	8,000	40	86,000
22	10,000	41	93,000
23	13,000	42	101,000
24	15,000	43	108,000
25	18,000	44	116,000
26	21,000	45	125,000
27	24,000	46	134,000
28	27,000	47	144,000
29	31,000	48	154,000
30	35,000	49	164,000
31	39,000	50	175,000
32	43,000	51	187,000
33	47,000	52	199,000
34	52,000	53	212,000
35	57,000	54	226,000
36	62,000	55	240,000

Effective 1 January 2019
Source: Employees Provident Fund (EPF)

https://www.publicmutual.com.my/LinkClick.aspx?fileticket=b55-TrlBM6g%3d&portalid=0

* PLEASE CLICK IN TO CHECK ALL EPF-MIS FUND

* 请点击更多个别基金详情 EPF-MIS FUND

什 么 是 雇 员 公 积 金 会 员 投 资 计 划？

• 一 项 允 许 雇 员 公 积 金 会 员 转 移 其 一 部 分 的 储 蓄 以 投 资 在 单 位 信 托 的 计 划。 

• 在 雇 员 公 积 金 会 员 投 资 计 划 下，合 格 的 雇 员 公 积 金 会 员 可 以 选 择 投 资 在 经 委 任 的 基 金 管 理 机 构 旗 下 符 合 雇 员 公 积 金 资 格 的 单 位 信 托 基 金。

透 过 雇 员 公 积 金 会 员 投 资 计 划 投 资 的 益 处:

 会 员 可 浏 览 www.kwsp.gov.my 以 获 取 更 多 有 关 雇 员 公 积 金 会 员 投 资 计 划 的 详 情。

要 知 道 自 己 是 否 合 格 • 在 国 内 任 何 一 个 雇 员 公 积 金 精 明 柜 台** ，

以 您 的 MyKad 查 询 您 的 户 口 结 存 或； 

• 参 考 您 的 最 新 雇 员 公 积 金 结 存 单 或； 

• 假 如 您 是 i-Akaun 的 注 册 用 户，您 可 登 入 www.kwsp.gov.my 查 询 您 的 户 口 结 存。

** 请 透 过 www.kwsp.gov.my 查 询 精 明 柜 台 的 地 点 及 操 作 时 间。   

This article is prepared solely for educational and awareness purposes and should not be construed as an offer or a solicitation of an offer to purchase or subscribe to products offered by Public Mutual. No representation or warranty is made by Public Mutual, nor is there acceptance of any responsibility or liability as to the accuracy, completeness or correctness of the information contained herein.

Disclaimer:
The contents of the fund mentioned are STRICTLY for information purposes ONLY. They DO NOT represent the views of Public Mutual Berhad. The contents are intended to introduce and promote the fund.
Kindly consult a Unit Trust Consultant before starting your investment.  Investors are advised to read and understand the contents of the relevant Master Prospectuses, Supplemental Prospectuses, and Product Highlights Sheet (PHS) before investing. Investors should understand the risks of the fund, and compare and consider the fees, charges and costs involved in investing in the fund. A copy of the Prospectus and PHS can be viewed at our website www.publicmutual.com.my. Investors should make their own assessment of the merits and risks of the investment. If in doubt, investors should seek for professional advice. Please refer to www.publicmutual.com.my for our investment disclaimer.

任何咨询，可随时直接联络 - 

Public Mutual Consultant

0189768128 https://bit.ly/2r5K0RB

#yins_diary #lifestyle #passion #零基础 #基金顾问 #publicmutual #publicmutualconsultant #基金 #unittrust #投资 #EPF-MIS    

The Benefits of Starting Early，Investing is Easy and Affordable! 基金简介，费用，注册前准备事项 - Yin's diary

 

The Benefits of Starting Early，Investing is  Easy and Affordable! 

基金简介，费用，注册前准备事项

What is Unit Trust Funds?

• These funds are available exclusively online via Public Mutual Online (PMO).
• All the statements and reports of the funds are only accessible via PMO to help reduce your carbon footprint and take a step towards saving the environment.
• Suitable for investors who prefer convenient investing at their fingertips
• These funds would enable the Millennials to start investing early with low initial investment.

• Unit trust is a collective investment scheme that allows investors with similar investment objectives to pool their funds together.
• These funds will be invested by professional fund managers in a portfolio of securities according to the fund’s objective and investment strategy.

Benefits of Investing in Unit Trust Funds

	Affordable Initial investment as low as RM100 TO RM1000		Easy & Convenient Transact anytime and anywhere via PMO.
	Lower Sales Charge Up to 3.75% TO 5.5%		Wide Range of Fund Choices Equity, mixed asset, fixed income, bond/sukuk & money market funds are available in conventional & Shariah-compliant series.

	Professionally Managed		Flexibility
	Competitive Returns		Regulated by Securities Commission Malaysia (SC)
	Effective Diversification to Minimise Risk and Optimise Return		Power of Compounding
	Ease of Transactions		Peace of Mind

Power of Compounding
The Benefits of Starting Early

The earlier you start investing, the greater the accumulated return on your original investment.
This is due to the effects of compounding.

Name	Ms Alice	Ms Amina
Starting age	30	40
Investment period (years)	20	20
Compounding period up to age 60 (years)	30	20
Yearly investment (RM)	10,000	10,000
Total amount invested (RM)	200,000	200,000
Total investment value* at age 60 (RM)	1,067,003	494,229

* By starting 10 years earlier, Ms Alice's investment value could grow 116% more than Ms Amina's investment value when both of them reach the retirement age of 60, assuming that the unit trust's rate of return is constant at 8% per annum. This is only an illustration and does not indicate the past or future performance of any specific unit trust fund.

This article is prepared solely for educational and awareness purposes and should not be construed as an offer or a solicitation of an offer to purchase or subscribe to products offered by Public Mutual. No representation or warranty is made by Public Mutual, nor is there acceptance of any responsibility or liability as to the accuracy, completeness or correctness of the information contained herein.

Terms and conditions:- Initial investment (PII) is fixed at RM1,000 per new account to start a DDA investment. The maximum DDA amount allowed is up to RM1,000 per DDA deduction per account For Mutual Gold, Mutual Gold Elite and Mutual Platinum members, the maximum DDA amount allowed is up to RM10,000 per DDA deduction per account Disclaimer: The contents of the fund mentioned are STRICTLY for information purposes ONLY. They DO NOT represent the views of Public Mutual Berhad. The contents are intended to introduce and promote the fund. Kindly consult a Unit Trust Consultant before starting your investment. Investors are advised to read and understand the contents of the relevant Master Prospectuses, Supplemental Prospectuses, and Product Highlights Sheet (PHS) before investing. Investors should understand the risks of the fund, and compare and consider the fees, charges and costs involved in investing in the fund. A copy of the Prospectus and PHS can be viewed at our website www.publicmutual.com.my. Investors should make their own assessment of the merits and risks of the investment. If in doubt, investors should seek for professional advice. Please refer to www.publicmutual.com.my for our investment disclaimer.

注意：

现在网上 ONLINE REGISTER, 

若你没有BANK ONLINE BANKING REGISTER， 

请你在 我们见面之前， 准备注册 PMO 之前，  

你需要  先完成 以下几个动作，以便我们在面对面见面时 可以更快速 注册 PMO 的所有手续，

1- 前进 你选择的 银行， 记录 并获取 银行 户口 号码 BANK ACCOUNT NUMBER

2- 请一并 申请 银行 的 BANK ONLINE BANKING REGISTER, 

3- 完成申请后， 请务必 记录 ， 并拍下 USER NAME 和 密码 PASSWORD, 

4- 需要确认 ONLINE TRANSFER AMOUNT LIMIT 是多少金额，请调高 LIMIT 多1倍，若是 RM1000 请 一并 更改为 RM2000 ,   

记录 并拍下照片完成后， 以便 我们在见面，申请注册 PMO时， 可以快速 完成所有注册手续，

 

任何咨询，可随时直接联络 - 

Public Mutual Consultant

0189768128 https://bit.ly/2r5K0RB

#yins_diary #lifestyle #passion #零基础 #基金顾问 #publicmutual #publicmutualconsultant #基金 #unittrust #投资 #DDA #RCA