Investment Objective

The Fund seeks to provide capital protection and capital growth over the tenure of the Fund.

Investment Policies and Strategies

The Fund will invest at least 85% of the capital raised during the Initial Offer Period ("IOP") in ZNIDs issued at a discount from banks and/or financial institutions in Malaysia. The remainder of the capital raised will be invested in an over-the-counter option linked to the performance of 3 baskets of 9 stocks in the financial sector. The 3 baskets of 9 stocks are segmented into Investment Banks, Insurance Companies and Universal Banks, whereby each basket will contain 3 stocks each.

Basket
Stocks
Investment Banks
    3 stocks in each basket

Insurance Companies
    3 stocks in each basket

Universal Banks
    3 stocks in each basket

While the ZNIDs should mature into 100% of the capital raised on the Maturity Date, thereby providing the capital protection, the investment in the option is meant to provide potential income to the Fund. features ensures that distribution in year 2 and 3 are floored at previous years' distribution

Asset Allocation:

• At least 85% of the Fund's NAV in Zero-coupon Negotiable Instruments of Deposit


• Up to 10% of the Fund's NAV in option


• Up to 5% of the Fund's NAV in cash or cash equivalent

Some basic fees:

Fund Category / Type	-	Fixed Income / Capital Protected Fund
Service Charge	-	Up to 2.5% of the NAV of the Fund
Annual Management Fee	-	Nil
Annual Trustee Fee	-	Up to 0.08% p.a. (min. RM18k p.a.) of NAV
Investor Profiles	-	Who should invest?
		Investors who wish to participate in the recovery of the financial sector   Investors who have low risk profile   Investors who are seeking capital protection.   Investors who wish to diversify their investment abroad
Exit Fee	-	1st year - 1.50%   2nd year - 1.00%   Maturity - Nil