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Select a mandate
Select which account type you would like to open
General Requirements to Open an Account
Please take note that all interested applicants have to be Malaysian resident & own Malaysian bank account.
(a)
Minimum age requirement
| Main Applicant | Joint Applicant |
|---|---|
|
At least 18 years old |
No minimum age limit |
(b)
Document
i. Kindly prepare soft copy of the relevant document ready.
| Applicant Age | Malaysian | Non-Malaysian |
|---|---|---|
|
Below 12 years old |
MyKid |
Passport |
|
At least 12 years old* |
MyKad/MyPolis/MyTentera |
Passport |
ii. Joint Applicant who is at least 18 years old is required to provide one supporting document. The eligible documents have to contain your name as per NRIC.
| Document |
|---|
|
Driving license |
|
Bank statement** |
|
Utility Bill** |
|
EPF statement*** |
iii. If you wish to perform verification without a payment, please prepare one supporting document. The eligible documents have to contain your name as per NRIC.
| Document |
|---|
|
Driving license |
|
Bank statement** |
|
Utility Bill** |
|
EPF statement*** |
iv. If you wish to perform bank transfer instead of FPX for verification, please prepare a proof of payment and/ or bank statement.
PMA Managed Unit Trust
Discretionary unit trust investment accounts with easy access and diversification into the regional and global equity,
bonds and commodity markets.
How do we construct the portfolio?
• Fund Size of at least 50mil and above;
• Percentage growth against peers;
• Higher Sharpe Ratio;
• Lower standard deviation;
• Performance track record of preferably 3 years and above.
Potential Risk
• Currency Risk
Investment into Unit Trust funds that have exposure to foreign investments may be exposed to currency risk. Currency risk is a form of risk that arises from the change in price of one currency against another.
• Liquidity Risk
The various asset classes that the fund manager has invested into may encounter liquidity risk. Liquidity risk can be related to the fund’s ability to easily and quickly trade at a reasonable price, e.g. to sell or buy units. Should a fund comprise a security that has become temporarily or permanently illiquid or difficult to sell, the fund manager may need to sell the security at a deep discount to its fair value, which will negatively affects the fund’s value.
• Market Risk
As unit trust funds principally invest in public listed companies they are exposed to changing market conditions as a result of global, regional and national economic conditions, governmental policies or political developments. Market uncertainties and fluctuations caused by these uncertainties will affect the net asset value (NAV) of unit trusts which may fall or rise, thus causing the returns generated by the fund to fluctuate.
Minimum Initial Investment Amount & Fees and Charges
|
Minimum Initial Investment Amount |
RM30,000 |
|
Subsequent Minimum Investment Amount |
RM5,000 |
|
Service Fee |
3.00% for every capital injection |
|
Annual Management Fee (including Taxation) |
1.50% per annum (<RM500,000) 1.25% per annum (RM500,001 – RM2,000,000) 0.75% per annum (> RM2,000,000) |
|
Custodian Fee |
0.03% per annum * * based on market value of the Assets as at end of each calendar month, payable to the Custodian on a monthly basis. |
|
Performance Fees |
The Client shall pay to the Manager a Performance Fee at the rate of 10% of the Excess Return provided that the fund return is more than 1% per quarter at the end of each quarter of a calendar year. Excess Return is defined as the amount of the market value of the fund at the end of the quarter in excess of the previous highest quarter market value at the end of March, June, September and December in a calendar year — the highest watermark during that period. The Performance Fee is computed quarterly and shall be deducted from the fund at the beginning of the following quarter. This methodology, using the highest watermark, ensures that the Performance Fee reflects the fund's performance based on the peak net asset value achieved, providing a fair representation over time. |
PMA Dividend Enhanced
Discretionary portfolio investing in local equities with the high dividend yielding stocks by adopt Phillip Proprietary
Quantitative System.
How do we construct the portfolio?
• Applying ‘Dogs of the Dow Approach’ which the studies done by Umea University and Wright State University, USA shows that it is more profitable to build portfolio with high dividend yield stock than conventional approaches of stock picking.
• Selecting top market capitalization stocks to minimises the unsystematic risk and liquidity risk.
• Disciplined and systematic, following a rigorously back tested strategy.
• Minimal human interventions bringing about more consistent results.
Income driven focused product generating returns from capital appreciation and income distribution from
selecting advantageous dividend yields.
Potential Risk
• Equity Risk
The equity paying high dividends could be from slow growth sectors because high-growth sectors such as biotech and IT pay little dividend. Careful selection of stock from universe made up of FBMKL30 and FBM70 minimises the unsystematic and liquidity risk.
• Technology Risk
The process of constructing portfolio with high dividend stock is done via Phillip Proprietary Quant Model using Python. Thus, there is a risk of imperfect algorithms which necessitate more stringent back testing.
• Liquidity Risk
Certain securities in the composition of the benchmark may be difficult to trade or momentarily unable to be traded, particularly because of the absence of trades on the market or regulatory restrictions. These market disruptions may reduce the net asset value of the Fund.
Minimum Initial Investment Amount & Fees and Charges
|
Minimum Initial Investment Amount |
RM30,000 |
|
Subsequent Minimum Investment Amount |
RM10,000 |
|
Service Fee |
3.00% for every capital injection |
|
Annual Management Fee(including Taxation) |
1.50% per annum (<RM500,000) 1.25% per annum (RM500,001 – RM2,000,000) 0.75% per annum (> RM2,000,000) |
|
Custodian Fee |
0.03% per annum * * based on market value of the Assets as at end of each calendar month, payable to the Custodian on a monthly basis. |
|
Performance Fees |
The Client shall pay to the Manager a Performance Fee at the rate of 10% of the Excess Return provided that the fund return is more than 1% per quarter at the end of each quarter of a calendar year. Excess Return is defined as the amount of the market value of the fund at the end of the quarter in excess of the previous highest quarter market value at the end of March, June, September and December in a calendar year — the highest watermark during that period. The Performance Fee is computed quarterly and shall be deducted from the fund at the beginning of the following quarter. This methodology, using the highest watermark, ensures that the Performance Fee reflects the fund's performance based on the peak net asset value achieved, providing a fair representation over time. |
PMA Blue Chip Focus
Invest into Blue Chip stocks that are generally the most reputable stocks within the Kuala Lumpur Composite Index (KLCI).
How do we construct the portfolio?
• Blue chip market capitalisation criteria preferable more than RM5bn.
• Growth stocks
• Sound fundamentals and strong track records in their financial and business capabilities.
Potential Risk
• Market Risk
This risk refers to fluctuations in the market due to changes and developments in the economic climate, political stability and technology of the country. However, this service invests in a diversified portfolio from different industry sectors and such diversification helps to mitigate this risk.
• Liquidity Risk
This risk refers to the ease of converting an investment into cash without incurring an overly significant loss in value. This risk is managed by taking greater care in stock selection and diversification. Furthermore, the people making investment decisions are professionals. Their knowledge and experience ensure that the investment decision-making is structured and follows basic investment principles.
• Inflation Risk
This is the risk that investors’ investment in the stocks may not grow or generate income at a rate that keeps pace with inflation. This would reduce investors’ purchasing power even though the value of the investment in monetary terms has increased.
Minimum Initial Investment Amount & Fees and Charges
|
Minimum Initial Investment Amount |
RM30,000 |
|
Subsequent Minimum Investment Amount |
RM10,000 |
|
Service Fee |
3.00% for every capital injection |
|
Annual Management Fee(including Taxation) |
1.50% per annum (<RM500,000) 1.25% per annum (RM500,001 – RM2,000,000) 0.75% per annum (> RM2,000,000) |
|
Custodian Fee |
0.03% per annum * * based on market value of the Assets as at end of each calendar month, payable to the Custodian on a monthly basis. |
|
Transaction Fees(Sales and Purchases of Listed Securities) |
0.12% on each transaction amount. |
|
Performance Fees |
The Client shall pay to the Manager a Performance Fee at the rate of 10% of the Excess Return provided that the fund return is more than 1% per quarter at the end of each quarter of a calendar year. Excess Return is defined as the amount of the market value of the fund at the end of the quarter in excess of the previous highest quarter market value at the end of March, June, September and December in a calendar year — the highest watermark during that period. The Performance Fee is computed quarterly and shall be deducted from the fund at the beginning of the following quarter. This methodology, using the highest watermark, ensures that the Performance Fee reflects the fund's performance based on the peak net asset value achieved, providing a fair representation over time. |
PGWA Global Unit Trust
Discretionary portfolio of foreign unit trust funds with easy access and diversification into global equity, bonds and
commodity markets.
How do we choose the fund?
• Percentage growth against peers from Bloomberg;
• Higher sharpe ratio for measurement of return per unit of risk;
• Lower standard deviation;
• Performance track record preferably 3 years and above.
Potential Risk
• Currency Risk
Investment into Unit Trust funds that have exposure to foreign investments may be exposed to currency risk. Currency risk is a form of risk that arises from the change in price of one currency against another.
• Market Risk
As unit trust funds principally invest in public listed companies, they are exposed to changing market conditions as a result of global, regional and national economic conditions, governmental policies or political developments. Market uncertainties and fluctuations caused by these uncertainties will affect the net asset value (NAV) of unit trusts which may fall or rise, thus causing the returns generated by the fund to fluctuate.
• Management Risk
Performance of the fund depends on the investment acumen of the fund manager. Inferior management of a fund can cause considerable losses to the fund which will negatively affect the returns of the investment.
Minimum Initial Investment Amount & Fees and Charges
|
Minimum Initial Investment Amount |
RM30,000 |
|
Subsequent Minimum Investment Amount |
RM10,000 |
|
Service Fee |
3.00% for every capital injection |
|
Annual Management Fee(including Taxation) |
1.50% per annum (<RM500,000) 1.25% per annum (RM500,001 – RM2,000,000) 1.00% per annum (RM500,001 - RM5mil) 0.75% per annum (>RM5mil) |
|
Custodian Fee |
0.03% per annum * * based on market value of the Assets as at end of each calendar month, payable to the Custodian on a monthly basis. |
|
Performance Fees |
The Client shall pay to the Manager a Performance Fee at the rate of 10% of the Excess Return provided that the fund return is more than 1% per quarter at the end of each quarter of a calendar year. Excess Return is defined as the amount of the market value of the fund at the end of the quarter in excess of the previous highest quarter market value at the end of March, June, September and December in a calendar year — the highest watermark during that period. The Performance Fee is computed quarterly and shall be deducted from the fund at the beginning of the following quarter. This methodology, using the highest watermark, ensures that the Performance Fee reflects the fund's performance based on the peak net asset value achieved, providing a fair representation over time. |
PGWA World Leaders
World Leaders mandate is a discretionary portfolio that target long-term investors that seek capital appreciation growth over a very long period of time. Appreciation in this case could be deemed as increase in value following a modified McKinsey’s Hockey Stick Strategy determinants of corporate success which translate to a higher survivability rate despite change in the business competitiveness or environment.
How do we choose the fund?
• Top 500 Economic Value Added (EVA) globally, where American Depository Receipt (ADR) is used for non-US listed companies.
• Meet minimum requirement of net gearing (Net Debt to Equity) less or equal to 1.5.
• Meet minimum requirement of 12 months average daily trading value is higher or equal to USD1mil.
Potential Risk
• Currency Risk
Investment into foreign investments may be exposed to currency risk. Currency risk is a form of risk that arises from the change in price of one currency against another.
• Management Risk
Performance of the fund depends on the investment acumen of the fund manager. Inferior management of a fund can cause considerable losses to the fund which will negatively affect the returns of the investment.
• Inflation Risk
This is the risk that investors’ investment in the stocks may not grow or generate income at a rate that keeps pace with inflation. This would reduce investors’ purchasing power even though the value of the investment in monetary terms has increased.
Minimum Initial Investment Amount & Fees and Charges
|
Minimum Initial Investment Amount |
RM30,000 |
|
Subsequent Minimum Investment Amount |
RM10,000 |
|
Service Fee |
3.00% for every capital injection |
|
Annual Management Fee(including Taxation) |
1.50% per annum (<RM500,000) 1.25% per annum (RM50,001 – RM500,000) 1.00% per annum (RM500,001 – RM5,000,000) 0.75% per annum (> RM5,000,000) |
|
Custodian Fee |
0.03% per annum * * based on market value of the Assets as at end of each calendar month, payable to the Custodian on a monthly basis. |
|
Performance Fees |
The Client shall pay to the Manager a Performance Fee at the rate of 10% of the Excess Return provided that the fund return is more than 1% per quarter at the end of each quarter of a calendar year. Excess Return is defined as the amount of the market value of the fund at the end of the quarter in excess of the previous highest quarter market value at the end of March, June, September and December in a calendar year — the highest watermark during that period. The Performance Fee is computed quarterly and shall be deducted from the fund at the beginning of the following quarter. This methodology, using the highest watermark, ensures that the Performance Fee reflects the fund's performance based on the peak net asset value achieved, providing a fair representation over time. |
PMA Environmental, Social, and Governance
Discretionary portfolio investing in stocks with high overall ESG rating based on the list of stocks under the FTSE4Good Bursa Malaysia Index.
How do we construct the portfolio?
• To invest in stocks with a high overall ESG rating which is 3-star and above rating as assessed by FTSE Russell in accordance with FTSE Russell ESG Rating Methodology with a blend of top down and bottom-up approach.
• The portfolio will invest in approximately 15 stocks.
• Target to invest about 95% of the portfolio in stocks.
• Stocks that are not included in the FTSE Russell ESG Rating list or with exposure to controversies or with less than 3-star rating in FTSE Russell assessments will be assessed in accordance with PCM Investment ESG Framework/ Scorecard (“PCMESG”).
Potential Risk
• Inability to exploit/penetrate ESG market
According to the Morningstar, AUM for ESG funds rose by 29% globally in 2020 and Lipper Data showed that ESG funds account for 10% of worldwide fund assets. On domestic front, atleast of six ESG-themed funds were launched in Q1 2021. Limited investment universe is a major concern for maximizing the ESG market and further compounded by potential loss of business opportunity due to lack of first-mover advantage. Introducing right ESG product/services at the earliest opportunity would help to preserve and attract both retail and institutional investors. Furthermore, by having own internal ESG methodology aligns with socially responsible fund requirements, the company can overcome risk of limited investment universe. The rating guidelines could be further improved by descriptions to the scale of 1 (one) to 4 (four) to ensure more objective evaluation.
• Noncompliance with ESG mandates requirements
The risk of underlying stocks being removed or downgraded from ESG listing is inevitable.Thus, there is a need to have automated pre-trade control to prevent fund managers from buying non-ESG stocks. In addition, controls have put in place to identify list of underlying stocks that have been delisted/removed from ESG listing to rectify the mandates. Unregulated ESG third party data providers and agencies also further compounded the problem. The risk is mitigated by establishing own internal methodology with defined parameters. In addition, the proposal could be further improved by adding automated pre-trade controls and “cleansing” process of ESG stocks.
Minimum Initial Investment Amount & Fees and Charges
|
Minimum Initial Investment Amount |
RM30,000 |
|
Subsequent Minimum Investment Amount |
RM10,000 |
|
Service Fee |
3.00% for every capital injection |
|
Annual Management Fee(including Taxation) |
1.50% per annum (<RM500,000) 1.25% per annum (RM500,001 – RM2,000,000) 0.75% per annum (> RM2,000,000) |
|
Custodian Fee |
0.03% per annum * * based on market value of the Assets as at end of each calendar month, payable to the Custodian on a monthly basis. |
|
Transaction Fees(Sales and Purchases of Listed Securities) |
0.12% on each transaction amount. |
|
Performance Fees |
The Client shall pay to the Manager a Performance Fee at the rate of 10% of the Excess Return provided that the fund return is more than 1% per quarter at the end of each quarter of a calendar year. Excess Return is defined as the amount of the market value of the fund at the end of the quarter in excess of the previous highest quarter market value at the end of March, June, September and December in a calendar year — the highest watermark during that period. The Performance Fee is computed quarterly and shall be deducted from the fund at the beginning of the following quarter. This methodology, using the highest watermark, ensures that the Performance Fee reflects the fund's performance based on the peak net asset value achieved, providing a fair representation over time. |
PMA ETF
Discretionary portfolio provides investors who aim to earn capital gain over the long-term period by investing in Malaysian ETFs listed on Bursa Malaysia.
How do we construct the portfolio?
• Selecting the ETFs listed in Bursa Malaysia.
• Diversification across asset classes within the ETF selection, balancing exposure to equities and fixed income based on risk-return considerations.
• Rebalance the portfolio, when necessary, in accordance with market conditions to maintain the desired asset allocation and risk profile.
Potential Risk
• Market Risk
ETFs are exposed to market risk, as their value can fluctuate in response to shifts in overall market conditions, including economic downturns, geopolitical events, and changes in investor sentiment.
• Liquidity Risk
Certain ETFs experience lower trading volumes or liquidity in the market, resulting in wider bid-ask spreads and potential challenges in executing trades at desired prices, particularly in times of market volatility.
• Index Tracking Risk
Tracking error occurs when there are discrepancies between an ETF’s performance and the index it seeks to track, despite the ETF’s intended goal of mirroring the index. This variance can be attributed to factors such as fees, trading costs, and imperfect replication of the index.
Minimum Initial Investment Amount & Fees and Charges
|
Minimum Initial Investment Amount |
RM30,000 |
|
Subsequent Minimum Investment Amount |
RM10,000 |
|
Service Fee |
3.00% for every capital injection |
|
Annual Management Fee(including Taxation) |
1.50% per annum (<RM500,000) 1.25% per annum (RM500,001 – RM2,000,000) 0.75% per annum (> RM2,000,000) |
|
Custodian Fee |
0.03% per annum * * based on market value of the Assets as at end of each calendar month, payable to the Custodian on a monthly basis. |
|
Performance Fees |
The Client shall pay to the Manager a Performance Fee at the rate of 10% of the Excess Return provided that the fund return is more than 1% per quarter at the end of each quarter of a calendar year. Excess Return is defined as the amount of the market value of the fund at the end of the quarter in excess of the previous highest quarter market value at the end of March, June, September and December in a calendar year — the highest watermark during that period. The Performance Fee is computed quarterly and shall be deducted from the fund at the beginning of the following quarter. This methodology, using the highest watermark, ensures that the Performance Fee reflects the fund's performance based on the peak net asset value achieved, providing a fair representation over time. |
PMA Dividend Enhanced ESG
Discretionary portfolio aims to provide investors with capital gain over the long-term period through investing in Malaysian equities with expected high dividend yields that meet ESG (Environment, social and governance) criteria.
How do we construct the portfolio?
• Utilizing the ‘Dogs of the Dow Approach,’ as evidenced by research from Umea University and Wright State University in the USA, indicates that constructing a portfolio with high dividend yield stocks outperforms traditional methods of stock selection in terms of profitability.
• Selecting top market capitalization stocks to minimises the unsystematic risk and liquidity risk.
• Disciplined and systematic, following a rigorously back tested strategy.
• Minimal human interventions bringing about more consistent results.
• Income driven focused product generating returns from capital appreciation and income distribution from selecting advantageous dividend yields.
• Another filter is applied based on ESG (Environmental, Social, and Governance) rating, retaining only stocks with a rating of 3 stars and above. The ESG Rating utilized is derived from the F4GBM Index.
Potential Risk
• Equity Risk
The equity paying high dividends could be from slow growth sectors because high-growth sectors such as biotech and IT pay little dividend. Careful selection of stock from universe made up of FBMKL30 and FBM70 minimises the unsystematic and liquidity risk.
• Technology Risk
The process of constructing portfolio with high dividend stock is done via Phillip Proprietary Quant Model using Python. Thus, there is a risk of imperfect algorithms which necessitate more stringent back testing.
• Liquidity Risk
Certain securities in the composition of the benchmark may be difficult to trade or momentarily unable to be traded, particularly because of the absence of trades on the market or regulatory restrictions. These market disruptions may reduce the net asset value of the Fund.
• ESG Sentiment Risk
Investor sentiment towards ESG investing may change over time due to various factors such as market trends, geopolitical events, or economic conditions. A shift in investor preferences away from ESG-focused investments could lead to price fluctuations and potential underperformance of ESG stocks relative to the broader market.
Minimum Initial Investment Amount & Fees and Charges
|
Minimum Initial Investment Amount |
RM30,000 |
|
Subsequent Minimum Investment Amount |
RM10,000 |
|
Service Fee |
3.00% for every capital injection |
|
Annual Management Fee(including Taxation) |
1.50% per annum (<RM500,000) 1.25% per annum (RM500,001 – RM2,000,000) 0.75% per annum (> RM2,000,000) |
|
Custodian Fee |
0.03% per annum * * based on market value of the Assets as at end of each calendar month, payable to the Custodian on a monthly basis. |
|
Performance Fees |
The Client shall pay to the Manager a Performance Fee at the rate of 10% of the Excess Return provided that the fund return is more than 1% per quarter at the end of each quarter of a calendar year. Excess Return is defined as the amount of the market value of the fund at the end of the quarter in excess of the previous highest quarter market value at the end of March, June, September and December in a calendar year — the highest watermark during that period. The Performance Fee is computed quarterly and shall be deducted from the fund at the beginning of the following quarter. This methodology, using the highest watermark, ensures that the Performance Fee reflects the fund's performance based on the peak net asset value achieved, providing a fair representation over time. |
PMA ETF Eq8 US Titans 50
Discretionary portfolio aims to provide investors with capital gain over the long-term period through investing in Eq8 US Titans 50 ETF.
How do we construct the portfolio?
• Selecting the Eq8 Dow Jones US Titans 50 ETF.
• The ETF track the performance of 50 largest Shariah compliant companies listed in the United States.
• Measured by Dow Jones Islamic Market U.S. Titans 50 Index.
Potential Risk
• Market Risk
ETFs are susceptible to market volatility as they track underlying assets. Fluctuations in stock prices, interest rates, or economic conditions impact ETF values. In a market downturn, ETF values decrease, affecting the portfolio’s overall worth. This risk is inherent, but thorough analysis of underlying assets and diversification across sectors or regions can mitigate its impact.
• Liquidity Risk
Limited trading volumes in one ETFs can lead to difficulty in buying or selling at desired prices, especially during market turbulence. Low liquidity may result in wider bid-ask spreads, causing investors to transact at less favorable prices. Assessing an ETF’s liquidity through trading volumes and market depth helps mitigate this risk, ensuring easier execution of trades and minimizing potential losses due to illiquidity.
• Diversification Risk
The limitation of one ETFs in the portfolio heightens diversification risk. This constraint increases exposure to specific sectors, magnifies losses from poor performance, and relies heavily on ETF manager decisions. To mitigate, thorough research, strategic asset allocation, and periodic rebalancing are crucial. Consider supplementing with complementary investments if allowed. Regular monitoring is essential to adapt to market changes. Despite limitations, careful selection and management within these constraints can help reduce vulnerability to market fluctuations and enhance portfolio resilience.
Minimum Initial Investment Amount & Fees and Charges
|
Minimum Initial Investment Amount |
RM30,000 |
|
Subsequent Minimum Investment Amount |
RM10,000 |
|
Service Fee |
3.00% for every capital injection |
|
Annual Management Fee(including Taxation) |
1.50% per annum (<RM500,000) 1.25% per annum (RM500,001 – RM2,000,000) 0.75% per annum (> RM2,000,000) |
|
Custodian Fee |
0.03% per annum * * based on market value of the Assets as at end of each calendar month, payable to the Custodian on a monthly basis. |
|
Performance Fees |
The Client shall pay to the Manager a Performance Fee at the rate of 10% of the Excess Return provided that the fund return is more than 1% per quarter at the end of each quarter of a calendar year. Excess Return is defined as the amount of the market value of the fund at the end of the quarter in excess of the previous highest quarter market value at the end of March, June, September and December in a calendar year — the highest watermark during that period. The Performance Fee is computed quarterly and shall be deducted from the fund at the beginning of the following quarter. This methodology, using the highest watermark, ensures that the Performance Fee reflects the fund's performance based on the peak net asset value achieved, providing a fair representation over time. |
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