List of Investment Linked Funds

BALANCED FUND:

A diversified portfolio consisting of equities, fixed income and money market instruments in various ratios with the objective of striving to provide the best returns and at the same time safeguarding against any negative development in the area of investment. It aims to have a balance between capital and income growth and appeals to conservative investors. While the focus will be on both equity and fixed income, the ratios of each at any point of time would be dependant on prevailing market and economic conditions.

EQUITY FUND:

This fund focuses more on investment in equity to attain medium to long term capital appreciation. Besides equities, it also invests in money market instruments with the actual allocation based on prevailing economic conditions and technical factors. It is a fund more suited for aggressive investors.

INCOME FUND:

This fund focuses on the objective of providing income distribution on a regular basis while preserving capital – a move favoured by risk averse investors. While the Fund would be biased towards fixed income instruments it may also invest in money market instruments. The decision on asset allocation and the ratios will depend on the Fund Manager’s view of the local as well as global macroeconomic conditions.

JATI FUND:

Focuses on the needs of Muslim investors and is invested in accordance to Shariah principles in Shariah sanctioned equities, money market instruments and fixed income instruments in various ratios depending on economic and market conditions prevalent at that point of time. However this fund would be more biased towards investment in equities. This fund’s objective is to invest in companies that provide good prospects for capital appreciation over the medium to long term. Jati Fund is not a Takaful product and only the fund will be invested in Shariah approved securities.

DIVIDEND FUND:

The Overall philosophy of the fund is to achieve steady income stream with potential for capital growth over medium to long term by focusing mostly on high dividend yielding stocks and money market instruments. Investments shall be made in accordance with the fundamental principles of investment and strategies, which are to produce maximum returns consistent with security. Investment shall be widespread in order to secure the advantages of the favourable and minimise the disadvantages of unfavourable economic/market trends. The fund is designed for investors who are seeking a consistent income from investment and at the same time, seeking medium to long term capital appreciation with lower market risk.

ASIAPAC FUND:

The Overall philosophy of the fund is to achieve steady income stream with potential growth in the Asia Pacific Region over medium to long. The fund will be invested in Asia Pacific Ethical Dividend Exchange Traded Fund (ETF), managed by CIMB Principal Asset Management and the ETF is listed in the Singapore Stock Exchange. The ETF focuses on top high yielding stocks in the Asia Pacific Region which provides country diversification across the industry. It is an ethical ETF, the first of its kind in the region. The fund is designed for investors who are seeking regional exposure and a consistent income from investment and at the same time, seeking medium to long term capital appreciation with moderate market risk.

GLOBAL YAKIN FUND:

The fund invests in Shariah-compliant investment assets through a well-spread portfolio across many nations with an aim to bring the best equity performance to our policyholders. This fund will be fed into Aberdeen Islamic World Equity Fund which is managed by Aberdeen Islamic Asset Management Sdn. Bhd. It is a fund that aims for long term capital appreciation by investing in an international portfolio of Shariah-compliant equities and equity-related securities across the globe with the objective to provide sustainable long term returns to its unit holders. This fund is a Shariah-compliant investment fund, however the underlying insurance product is not a Shariah-compliant product as it is not governed by the Takaful Act 1984.