2019 PM FP Regular Withdrawal Plan Brochure A5

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1 REGULAR WITHDRAWAL PLAN (RWP) ENJOY THE CONVENIENCE OF REGULAR WITHDRAWAL

What is a Regular Withdrawal Plan (RWP)?

facility that allows you to redeem units

have made a lump sum investment and wish

regular intervals from the said lump-sum

Features of RWP RWP is available for cash

2 What is a Regular Withdrawal Plan (RWP)? Regular Withdrawal Plan (RWP) is a facility that allows you to redeem units of your account at regular intervals to fund your expenses. This plan is suitable for retirees who have made a lump sum investment and wish to receive a more consistent payouts at regular intervals from the said lump-sum investment. Features of RWP RWP is available for cash scheme investments into equity, mixed asset, balanced or bond funds. Withdrawal can be made monthly, semi-annually or annually. Payout will not be made if the computed RWP withdrawal is below 1,000 units. You can only execute one RWP per account. Once RWP is activated, the distribution instruction of the account will be defaulted to Reinvestment. 1

3 Limit on RWP amount RWP amount can be set up as follows: Fund Equity, Mixed Asset or Balanced Funds Bond Funds Withdrawal Rate Permitted Up to a maximum of 8% per annum Up to a maximum of 6% per annum Illustration: Equity Fund A Mixed Asset Fund B Bond Fund C Balanced Fund D Balance of Account (units) 200, , , ,000 Withdrawal Instruction (rate per annum) 8% 8% 6% 8% Frequency of Withdrawal Monthly Semi-Annually Annually Monthly Computed Withdrawal (units) 1,333 8,000 12, NAV Per Unit on the 15th of the RWP Month Withdrawal Amount (RM) , , No payout as computed withdrawal is below 1,000 units. What You Need to Know: The RWP withdrawal amount may vary between withdrawal dates. The withdrawal amount is based on the balance of units in your account. The value of the units, in turn, depends on the closing NAV per unit (RM) as at each withdrawal date. The actual returns of your account in any particular year may be higher or lower than your opted withdrawal rate. Your exercise of RWP may result in withdrawal of your investment capital, depending on the quantum and frequency of your withdrawal, and the returns of your account. RWP may not be suitable for investors who are still at the stage of accumulating wealth/savings towards retirement. 2

4 Illustration: Mr W and Ms X both invested into Equity Fund A on 1-Jan Mr W and Ms X exercised their RWP at 8% annually on 1-Jan-2019 and 1-Jan-2020 respectively. Here s the balance of their investment after 2 years. Your exercise of RWP may result in withdrawal of your investment capital. DATE DESCRIPTION Mr W Ms X 1-Jan-2018 Net investment amount after 94, , sales charge (RM) Fund NAV per unit (RM) Unit available in Account 94, , RWP exercise date 1-Jan Jan-2020 Withdrawal rate per annum 8.00% 8.00% Frequency Annually Annually Fund Return for Year 2018 (%) 10% 10% 1-Jan-2019 Fund NAV per unit (RM) RWP withdrawal units 7, RWP withdrawal amount (RM) 8, Unit balance in Account 86, , Value balance in Account (RM) 95, , Fund Return for Year 2019 (%) 5% 5% 1-Jan-2020 Fund NAV per unit (RM) RWP withdrawal units 6, , RWP withdrawal amount (RM) 8, , Unit balance in Account 79, , Value balance in Account (RM) 92, , The above scenario shows that Mr W s RWP has resulted in the withdrawal of his investment capital. Meanwhile Ms X who exercised her RWP one year later, still has her capital intact. How to Apply? You can apply for the RWP facility via Public Mutual Online (PMO) only. Get In Touch with Us Unit Trust Consultant Public Mutual Branch/Customer Service Centre

5 (RWP)? Regular Withdrawal Plan RWP RWP RWP RWP 1,000 RWP RWP 4

6 RWP RWP 8% 6% : A B C D 200, , , ,000 8% 8% 6% 8% 1,333 8,000 12, RWP 15 NAV (RM) , , ,000 RWP NAV RWP RWP / 5

7 : W X A W X % RWP 2 RWP W , , ( ) ( ) , , RWP % 8.00% 2018 (%) 10% 10% 2019 ( ) RWP 7, RWP ( ) 8, , , ( ) 95, , (%) 5% 5% 2020 ( ) RWP 6, , RWP ( ) 8, , , , RWP RWP X (PMO) RWP

8 (RWP)? Regular Withdrawal Plan RWP RWP RWP RWP 1,000 RWP RWP 4

9 RWP RWP 8% 6% : A B C D 200, , , ,000 8% 8% 6% 8% 1,333 8,000 12, RWP 15 NAV (RM) , , ,000 RWP NAV RWP RWP / 5

10 : W X A W X % RWP 2 RWP W , , ( ) ( ) , , RWP % 8.00% 2018 (%) 10% 10% 2019 ( ) RWP 7, RWP ( ) 8, , , ( ) 95, , (%) 5% 5% 2020 ( ) RWP 6, , RWP ( ) 8, , , , RWP RWP X (PMO) RWP

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66 活動報一報劃, 這三大工程和計劃, 堪稱中國高等教育近 20 年來的三大里程碑在高等教育大國向高等教育強國邁進的征程上, 中國高校步伐堅實有力近百所高等院校進行校

66 活動報一報劃, 這三大工程和計劃, 堪稱中國高等教育近 20 年來的三大里程碑在高等教育大國向高等教育強國邁進的征程上, 中國高校步伐堅實有力近百所高等院校進行校活動報一報 65 整理 / 甘明慧 ( 學務與師資局學生事務組 ) 2015 年中國高等教育展后續報導董總自 2003 年開始主辦中國高等教育展 ( 以下簡稱高教展 ), 迄今已走過十屆, 成功為我國中學畢業生開拓出更廣闊的升學道路今年第十一