Funds Approved for EPF Investment Scheme

Public Series • Public Aggressive Growth Fund • Public Balanced Fund • Public Dividend Select Fund • Public Equity Fund • Public Focus Select Fund • Public Growth Fund • Public Index Fund • Public Industry Fund • Public Islamic Dividend Fund • Public Islamic Equity Fund • Public Islamic Income Fund • Public Islamic Money Market Fund • Public Islamic Optimal Growth Fund • Public Islamic Sector Select Fund • Public Islamic Select Enterprises Fund • Public Islamic Select Treasures Fund • Public Ittikal Fund • Public Regular Savings Fund • Public Savings Fund • Public Sector Select Fund • Public Select Bond Fund

Funds Not Open for Investment

Funds Not Open for Investment • Public Bond Fund • Public Islamic Bond Fund • Public Islamic Sector Select Fund • Public Ittikal Fund * • Public Select Bond Fund * * Open for EPF investment

Mode of Acceptance of Investment from Unitholders

Investment can be accepted in any of the following mode:-

1) Cheque - For investment into funds, UTCs should advise clients to issue cheques made payable to “Public Mutual Berhad” (with the NRIC number of firstholder stated for initial investments and the clients’ account number of targeted fund for additional investments).

Example: For Initial Investments Public Mutual Berhad (IC: 600303-03-5333) For Additional Investments Public Mutual Berhad (A/C: 01234567-8)

2) Bank Draft - The mode of issuance is similar to cheques.

3) Public Mutual Online Services - Existing unitholders can make investment via Public Mutual Online: i) Initial Investments into a new fund account. ii) Additional Investments into an existing account. All UTCs are required to adhere strictly to the above.

如何规划你的财政 - 管理你的钱财

普通思维： 收入 - 支出 = 储蓄 （先花费，再将剩余的储蓄）理财思维： 收入 - 储蓄 = 支出 （先储蓄后消费，先行将一部分的收入储蓄起来，再将剩余的分配为生活支出）

当你学会仔细理财时，你的金钱会用得更物有所值： 你清楚自己要把钱用在何处。 你清楚自己把钱花在哪里。 你清楚自己的消费习惯。 你能拟定一套审慎的消费方案。 你能量入为出，明智的消费。

1. 设定你的财务目标。 －短期，中期，长期。 －购买汽车，购买房子, 退休， 教育费， 度假。

2. 追踪你的钱财的去向。 - 你怎样花钱及把钱花在什么地方。 - 你每个月欠款多少。 - 你每个月用剩多少钱。

3. 评估你的消费习惯。 - 察看自己的消费清单，那些是必要的， 那些消费是可以减少及没有必要的。

4. 财务表。 －总计你的每月收入，支出。 －固定拔出一笔款项，以应付紧急或季节性的开销。

5. 投资及管理风险。 －拨出剩余的钱（短期内不会拿来花费的，不急用的）拿去投资以获取最高的回酬。 －考虑自己可以承担的风险来决定怎样的短，中，长期的投资组合分配 （储蓄，信托基金，股票，产业等等）。

6. 定期做出评估。 －定期的对自己的财务，消费，投资组合做出评估。 －财务是否健康，没有偏离自己设定的计划。 －是否有达到自己所设定的目标。

7. 采取适当的行动。 －对之前的计划做出调整。 －从新规划财务及投资组合的分配。

时间就是金钱

投资就是对未来的一种信念。我们之所以把钱交给一间公司，是因为我们相信，或者至少我们希望他们能尽所能、尽全力，使我们的投资得到高额回报。我们之所以购买大众信托基金，因为我们相信大众信托基金的经理们远比其他基金的经理好，因此间接地降低我们的投资风险。

人们常常害怕风险，但却想要高回酬。试问天下有白吃的午餐吗？在未来，是不是会出现不可预见的经济危机，使经济严重地衰退，以至于彻底摧毁我们对投资的信心？有可能。风平浪静往往会使我们失去对风暴的警觉。在长长的金融投资历史中，不时地会出现乐观的投资者将金融资产的价格推高至一个非理性的高度，而他们则掉进投机的旋涡，不能自拔，最终遭到惨重的失败。投资是不确定的。但作为一个长期投资者，我们不能让这种可能性阻挡我们进入市场。因为没有风险，就没有收益。 要投资成功，首先必须是一个长期投资者。从短期来看，股票市场和债眷市场变化莫测。但从长期收益和风险的比较看来，股票市场和债眷市场的发展十分稳定，长期投资一定会取得成功。别再犹豫了，越早投资大众信托基金，你越早可以安稳的享受生活。切记时间就是金钱。

基金种类

高风险本地基金： PUBLIC AGGRESSIVE GROWTH FUND(PAGF) PUBLIC EQUITY FUND (PEF) PUBLIC FOCUS SELECT FUND (PFSF) PUBLIC INDONESIA SELECT FUND (PINDOSF) PUBLIC INDUSTRY FUND (PIF) PUBLIC OPTIMAL GROWTH FUND (POGF) PUBLIC SECTOR SELECT FUND (PSSF) PUBLIC SELECT ALPHA-30 FUND (PSA30F) PUBLIC SMALLCAP FUND (PSMALLCAP) PUBLIC STRATEGIC SMALLCAP FUND (PSSCF)

高风险海外基金： PUBLIC AUSTRALIA EQUITY FUND (PAUEF) PUBLIC CHINA ITTIKAL FUND (PCIF) PUBLIC CHINA SELECT FUND (PCSF) PUBLIC CHINA TITANS FUND (PCTF) PUBLIC FAR-EAST ALPHA-30 FUND (PFA30F) PUBLIC FAR-EAST CONSUMER THEMES FUND (PFECTF) PUBLIC FAR-EAST PROPERTY & RESORTS FUND (PFEPRF) PUBLIC FAR-EAST SELECT FUND (PFES) PUBLIC FAR-EAST TELCO & INFRASTRUCTURE FUND (PFETIF) PUBLIC GLOBAL SELECT FUND (PGSF) PUBLIC NATURAL RESOURCES EQUITY FUND (PNREF) PUBLIC REGIONAL SECTOR FUND (PRSEC) PUBLIC SINGAPORE EQUITY FUND (PSGEF) PUBLIC SOUTH-EAST ASIA SELECT FUND (PSEASF)

中等风险本地基金： PUBLIC BALANCED FUND (PBF) PUBLIC DIVIDEND SELECT FUND (PDSF) PUBLIC GROWTH FUND (PGF) PUBLIC INDEX FUND (PIX) PUBLIC REGULAR SAVINGS FUND (PRSF) PUBLIC SAVINGS FUND (PSF)

中等风险海外基金： PUBLIC FAR-EAST BALANCED FUND (PFEBF) PUBLIC FAR-EAST DIVIDEND FUND (PFEDF) PUBLIC TACTICAL ALLOCATION FUND *** (PTAF)

低风险基金： PUBLIC BOND FUND (PBOND) PUBLIC ENHANCED BOND FUND (PEBF) PUBLIC ENTERPRISES BOND FUND (PENTBF) PUBLIC INSTITUTIONAL BOND FUND (PINBOND) PUBLIC MONEY MARKET FUND (PMMF) PUBLIC SELECT BOND FUND (PSBF) PUBLIC STRATEGIC BOND FUND (PSTBF)

高风险本地回教基金： PUBLIC ISLAMIC ALPHA-40 GROWTH FUND (PIA40GF) PUBLIC ISLAMIC EQUITY FUND (PIEF) PUBLIC ISLAMIC OPPORTUNITIES FUND (PIOF) PUBLIC ISLAMIC OPTIMAL GROWTH FUND (PIOGF) PUBLIC ISLAMIC SAVINGS FUND (PISVF) PUBLIC ISLAMIC SECTOR SELECT FUND (PISSF) PUBLIC ISLAMIC SELECT ENTERPRISES FUND (PISEF) PUBLIC ISLAMIC SELECT TREASURES FUND (PISTF) PUBLIC ISLAMIC TREASURES GROWTH FUND (PITGF) PUBLIC ITTIKAL SEQUEL FUND (PITSEQ)

高风险海外回教基金： PUBLIC ASIA ITTIKAL FUND (PAIF) PUBLIC ISLAMIC ASIA LEADERS EQUITY FUND (PIALEF)

中等风险本地回教基金： PUBLIC ISLAMIC DIVIDEND FUND (PIDF) PUBLIC ISLAMIC MIXED ASSET FUND * (PIMXAF) PUBLIC ITTIKAL FUND (PITTIKAL)

中等风险海外回教基金： PUBLIC ISLAMIC ASIA DIVIDEND FUND (PIADF) PUBLIC ISLAMIC ASIA TACTICAL ALLOCATION FUND ** (PIATAF)

低风险回教基金： PUBLIC ISLAMIC BOND FUND (PIBOND) PUBLIC ISLAMIC ENHANCED BOND FUND (PIEBF) PUBLIC ISLAMIC INCOME FUND (PI INCOME) PUBLIC ISLAMIC INFRASTRUCTURE BOND FUND (PIINFBF) PUBLIC ISLAMIC MONEY MARKET FUND (PIMMF) PUBLIC ISLAMIC SELECT BOND FUND (PISBF) PUBLIC ISLAMIC STRATEGIC BOND FUND (PISTBF) PUBLIC SUKUK FUND (PSKF)

关闭的基金： Public Bond Fund (PBOND) Public Islamic Bond Fund (PIBOND) Public Islamic Sector Select Fund (PISSF) Public Ittikal Fund (PITTIKAL) * Public Select Bond Fund (PSBF) * * 只是现金投资关闭

可以用EPF投资的大众信托基金： Public Aggressive Growth Fund (PAGF) Public Balanced Fund (PBF) Public Dividend Select Fund (PDSF) Public Equity Fund (PEF) Public Focus Select Fund (PFSF) Public Growth Fund (PGF) Public Index Fund (PIX) Public Industry Fund (PIF) Public Islamic Dividend Fund (PIDF) Public Islamic Equity Fund (PIEF) Public Islamic Income Fund (PIINCOME) Public Islamic Money Market Fund (PIMMF) Public Islamic Optimal Growth Fund (PIOGF) Public Islamic Sector Select Fund (PISSF) Public Islamic Select Enterprise Fund (PISEF) Public Islamic Select Treasure Fund (PISTF) Public Ittikal Fund (PITTIKAL) Public Regular Savings Fund (PRSF) Public Savings Fund (PSF) Public Sector Select Fund (PSSF) Public Select Bond Fund (PSBF)