15 eng-PRUlink golden equity 03 copy

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1 All data is as of 31 December 2014 unless otherwise stated Features of Fund Investment Objective Investment Strategy & Approach To maximise returns over medium to long term, taking into account the need to meet guaranteed payouts. This is achieved by investing in high quality shares listed on the Bursa Malaysia and any other financial instruments to be used for hedging the portfolio. Investment Strategy Invest in high-quality shares listed on the Bursa Malaysia directly or indirectly through PRUlink equity fund or any other s, which invests principally in a diversified portfolio of equities and equity-related securities, that may become available in the future. The fund may also invest in any other financial instruments to be used for hedging the portfolio. Investment Approach The Fund Managers believe their disciplined, valuation-driven investment style can generate superior long-term returns. Pricing inefficiencies driven by irrational investor behavior can be successfully exploited through active in-house research and portfolio management. Successful and sustainable exploitation of security mis-pricing requires the disciplined application of their valuation-driven approach. Their process seeks to eliminate the behavioral biases that lead to mis-pricing in the first instance. The Fund Manager imputes conservative assumptions to their earnings forecasts to ensures that the in-house valuation target is achievable. At the same time they are not eliminating potential opportunities by taking calculated risk in periods of volatility that tend to be event driven. The Fund Managers aim for a high degree of consistency in long term performance for all funds, whilst adhering to strict and professional investment guidelines. Asset Allocation Up to 100% in shares listed on the Bursa Malaysia directly or indirectly through PRUlink equity fund or any other s, which invests principally in a diversified portfolio of equities and equity-related securities, which may become available in the future. The balance of the asset will be invested in liquid assets and any other financial instruments to be used for hedging the portfolio. Performance Benchmark FTSE-Bursa Malaysia 100 (FBM 100) Fund Manager Eastspring Investments Berhad ( U) Fees & Charges Fund Management Charge Other Charge, if any 1.5% p.a. Nil Please note that PRUlink golden funds are not Shariah-compliant products and the investment performance of the PRUlink golden funds is not guaranteed.

2 All data is as of 31 December 2014 unless otherwise stated How the Fund has performed Performance Graph PRUlink golden equity fund vs FTSE Bursa Malaysia Top 100 Index (FBM100) PRUlink golden equity fund FTSE Bursa Malaysia Top 100 Index (FBM100) Percentage Change Since Inception 1 () (1) () 1 () (1) () () () () Nov-07 Sep-08 Jun-09 Mar-10 Jan-11 Notice: The graphs are included for illustrative purposes only. Past performance of the fund is not an indication of its future performance. Oct-11 Year Actual Performance PRUlink golden equity fund FTSE Bursa Malaysia Top 100 Index (FBM100) Aug-12 May-13 Mar-14 Dec-14 () Date % 3.98% 12.33% 11.54% -3.70% 21.76% 1.94% 9.60% 11.39% -6.17% Source: Lipper Hindsight 5 and Bloomberg, 31 December 2014 Warning: This is strictly the performance of the investment fund, and not the returns earned on the actual contribution paid of the investment-linked insurance product. Note: Your funds are invested in the PRUlink golden equity fund and PRUlink golden bond fund according to a pre-determined asset mix during the Accumulation Period. During the Payout Period, your funds will then be invested into the PRUlink managed fund with an asset mix of 80% in bonds and 20% in equities. For more details, please refer to the accompanying brochure. Basis of calculation of past performance: = Net Asset Value For Year n Net Asset Value For Year n-1-1 % Investment Risks Please refer to the Appendix for the detailed Investment Risks listing below by order of importance: (A) Market Risk (D) Stock / Issuer Risk (B) Liquidity Risk (C) Interest Rate Risk (E) Country Risk (F) Risk of Non-Compliance (G) Concentration Risk (H) Management Company Risk (I) Inflation Risk (J) Investment Managers Risk

3 All data is as of 31 December 2014 unless otherwise stated Risk Management Forecasting Risk Potential risks are taken into consideration in the process of sector allocation and stock selection based on analysis on various key factors such as economic conditions, liquidity, qualitative and quantitative aspects of the securities. System Control Risk parameters are set internally for each fund, depending on client s risk profile. These risk parameters include limits of issuer bet, group issuer, sector rating and issue size of the securities held in the portfolio. A front-end office system is in place to monitor portfolio risks, serving as an auto filter for any limitations or breaches. Other Info Target Market Basis & Frequency of unit Valuation Exceptional circumstances Investors who seek high capital appreciation. High risk tolerance. Medium to long term investment horizon. Unit pricing is done daily. The Unit Price of a particular PRUlink golden Fund on any Valuation Date shall be equal to the Fund Value divided by the number of Units in issue on Valuation Date. The Fund Value is the value of all the assets of a particular PRUlink golden Fund after the deduction of expenses for managing, acquiring, maintaining and valuing the assets of that Fund, tax or other statutory levy incurred by the Company on investment income or capital gains on the assets of the Fund and any accrued or anticipated income. The Valuation Date shall be the date as determined by the Company from time to time, but not less frequently than once a day, for the purpose of determining Unit Prices. To recoup the cost of acquiring and disposing of assets, a transaction cost adjustment may be made to the Fund Value to recover any amount which the fund had already paid or reasonably expects to pay for the creation or cancellation of units. The Company reserves the right to defer the switching of the PRUlink golden funds and the payment of any Payout, Flexible Partial Withdrawal and/or Surrender Benefits for a period not exceeding six (6) months from the date upon which such switching or payment would in normal circumstances have taken place. The Company may suspend unit pricing and policy transaction if any of the exchanges in which the fund is invested is temporarily suspended for trading. In such event, notice for suspension may be published and may be communicated to the Assured upon any request for top-up, switching, redemption or withdrawal to/from any such PRUlink golden Fund. The list of exceptional circumstances above are not exhaustive, please refer to your policy document for further details.

4 Semua data seperti pada 31 Disember 2014 melainkan jika dinyatakan (Domestik) Ciri-ciri Dana Objektif Dana Strategi Pelaburan & Pendekatan Dana ini bertujuan untuk memaksimumkan pulangan pada jangka sederhana dan panjang, dengan mengambil kira keperluan untuk membuat bayaran terjamin. Matlamat ini dicapai dengan melabur dalam saham berkualiti tinggi yang disenaraikan di Bursa Malaysia dan mana-mana instrumen kewangan lain yang digunakan untuk melindungi nilai portfolio. Strategi Pelaburan Melabur dalam saham berkualiti tinggi yang disenaraikan di Bursa Malaysia secara langsung atau tidak langsung melalui PRUlink equity fund atau mana-mana dana PRUlink seumpamanya, yang lazimnya melabur dalam portfolio terpelbagai yang terdiri daripada ekuiti dan sekuriti-sekuriti berkaitan ekuiti yang mungkin ditawarkan pada masa depan. Dana tersebut mungkin boleh melabur dalam mana-mana instrumen kewangan yang digunakan untuk melindungi nilai portfolio. Pendekatan Pelaburan Pengurus Dana percaya bahawa cara pelaburan yang diarah oleh penilaian dan yang disiplin boleh menjanakan pulangan yang unggul dalam jangka masa panjang. Ketidakcekapan penetapan harga yang disebabkan tingkah laku pelabur yang tidak munasabah boleh dieksploitasi melalui penyelidikan aktif dalaman dan pengurusan portfolio. Penetapan harga salah yang berjaya diekploitasi dan dikekalkan memerlukan penerapan cara penilaian kami yang disiplin. Proses mereka mencari cara menyingkirkan kelakuan berat sebelah yang membawa kepada penetapan harga yang salah dalam kejadian pertamanya. Pengurus Dana membuat anggapan yang konservatif terhadap ramalan pendapatan mereka untuk memastikan sasaran penilaian dalaman boleh dicapai. Pada masa yang sama, mereka tidak menyingkirkan potensi peluang dengan mengambil risiko yang sudah diperhintungkan dalam masa yang tidak stabil ini yang cenderung kepada kejadian sekelilingnya. Pengurus Dana mengikut darjah kekonsistenan yang tinggi dalam jangka masa panjang untuk semua dana, di samping berpegang teguh kepada garis panduan yang tegas dan profesional. tidak langsung melalui PRUlink equity fund atau mana-mana dana PRUlink seumpamanya, yang lazimnya melabur dalam portfolio terpelbagai yang terdiri daripada ekuiti dan sekuriti-sekuriti berkaitan ekuiti yang mungkin ditawarkan pada masa depan. Aset-aset yang lebih akan dilabur ke dalam aset cair dan mana-mana instrumen kewangan lain yang diguna untuk melindungi nilai portfolio. Piawaian Prestasi FTSE-Bursa Malaysia 100 (FBM 100) Pengurus Dana Yuran & Caj Caj Pengurusan Dana Caj-caj lain, jika ada Eastspring Investments Berhad ( U) 1.5% setiap tahun Tiada Sila ambil perhatian bahawa dana PRUlink golden bukanlah produk patuh Shariah dan prestasi pelaburan dana PRUlink golden tidak dijamin.

5 Semua data seperti pada 31 Disember 2014 melainkan jika dinyatakan (Domestik) Prestasi Dana Pertukaran peratusan sejak permulaan 1 () (1) () () Jadual Prestasi Dana PRUlink golden equity fund vs FTSE Bursa Malaysia Top 100 Index (FBM100) PRUlink golden equity fund FTSE Bursa Malaysia Top 100 Index (FBM100) 1 () (1) () () () () Nov-07 Sep-08 Jun-09 Mar-10 Jan-11 Okt-11 Ogos-12 Mei-13 Mar-14 Dis-14 Tarikh Tahun Prestasi Dana PRUlink golden equity fund 21.45% 3.98% 12.33% 11.54% -3.70% FTSE Bursa Malaysia Top 100 Index (FBM100) 21.76% 1.94% 9.60% 11.39% -6.17% Sumber: Lipper Hindsight 5 dan Bloomberg, 31 Disember 2014 Amaran: Ini hanya adalah prestasi dana perlaburan tersebut dan bukan pulangan dari sumbangan yang dibayar oleh produk insurans berkaitan pelaburan itu. Nota: Dana anda dilaburkan di dalam PRUlink golden equity fund dan PRUlink golden bond fund mengikut suatu campuran aset yang telah ditentukan pada masa Tempoh Pengumpulan. Pada masa Tempoh Pembayaran, dana anda akan dilaburkan di dalam PRUlink golden managed fund dengan campuran aset sebanyak 80% dalam bon dan 20% dalam ekuiti. Untuk keterangan lanjut, sila rujuk kepada risalah yang dilampirkan. Asas kiraan prestasi masa lalu: = Nilai Aset Bersih pada akhir Tahun n Nilai Aset Bersih pada akhir Tahun n-1-1 % Risiko-Risiko Pelaburan Sila rujuk kepada Lampiran untuk butir-butir senarai Risiko-Risiko Pelaburan di bawah yang mengikut urutan kepentingan: (A) Risiko Pasaran (D) Risiko Saham / Penerbit (B) Risiko Kecairan (C) Risiko Kadar Faedah (E) Risiko Negara (F) Risiko Tiada-Pematuhan (G) Risiko Penumpuan (H) Risiko Syarikat Pengurusan (I) Risiko Inflasi (J) Risiko Pengurus Pelaburan

6 Semua data seperti pada 31 Disember 2014 melainkan jika dinyatakan (Domestik) Pengurusan Risiko Peramalan Risiko Risiko yang berpotensi timbul akan dipertimbangkan dalam proses peruntukan sektor dan pilihan stok yang berdasarkan analisis pelbagai faktor-faktor penting seperti keadaan ekonomi, kecairan, aspek-aspek kualitatif dan kuantitatif sekuriti tersebut. Kawalan Sistem Had risiko ditetapkan secara dalaman untuk setiap dana dan bergantung kepada profil risiko pelanggan. Had risiko tersebut termasuk pengeluar bet, kumpulan pengeluar, pengkadaran sektor dan saiz isu sekuriti yang dipegang dalam portfolio. Satu sistem depan pejabat ditempatkan untuk mengawai risiko portfolio, yang bertugas sebagai penapis automatik untuk had-had atau keadaan pecah amanah. Maklumat Lain Pasaran Sasaran Pelabur yang mencari nilai modal yang tinggi. Daya toleransi risiko tinggi. Pengalaman pelaburan dalam jangkamasa sederhana ke panjang. Dasar & Kekerapan Penghargaan unit dibuat setiap hari. Harga unit bagi Dana PRUlink golden tertentu pada sebarang Tarikh Penilaian hendaklah bersamaan Nilai Dana dibahagi dengan bilangan Unit yang dikeluarkan pada Tarikh Penilaian. Nilai Dana ialah nilai semua aset Dana PRUlink golden selepas memotong belanja untuk menguruskan, memperolehi, menyenggaraan, pengkekalan dan penilaian aset Dana, cukai atau levi mengikut undang-undang yang ditanggung oleh Syarikat ke atas pendapatan pelaburan atau keuntungan modal aset dana dan sebarang pendapatan terakru atau dijangkakan. Tarikh Penilaian ialah tarikh yang ditentukan oleh Syarikat dari masa ke semasa, tetapi tidak kurang daripada sekali sehari, untuk tujuan menentukan Harga Unit. Untuk mendapatkan balik kos memperoleh dan membuang aset-aset, pembetulan kos urus niaga mungkin dibuat untuk Nilai Unit untuk memulihkan sebarang jumlah yang telah atau dijangka akan dibayar oleh dana untuk penghasilan dan pembatalan unit-unit. Keadaan-keadaan luar biasa Syarikat juga berhak dalam keadaan pengecualian (sebagai contoh, bila terdapat jumlah jualan atau penebusan aset mana-mana dana PRUlink golden yang luar biasa besarnya dalam jangka masa yang pendek) untuk menangguhkan penukaran atau penebusan Unit-unit dan/atau penyerahan Polisi untuk tempoh tidak melebihi enam (6) bulan dari tarikh permohonan. Syarikat mungkin menangguhkan penghargaan unit dan urusniaga polisi jika mana-mana penukaran di mana dana dilaburkan ditunda dari berdagang untuk sementara. Dalam keadaan tersebut, suatu notis untuk penangguhan mungkin diterbit dan mungkin diberitahu kepada orang diinsuranskan apabila tokokan, penukaran, penebusan atau pengeluaran ke/dari mana-mana dana PRUlink golden. Senarai keadaan-keadaan luar biasa di atas tidak lengkap. Sila rujuk kepada dokumen polisi anda untuk butir-butir yang lengkap.

7 以下乃是截于 2014 年 12 月 31 日的数据, 除非另行注明 ( 国内 ) 基金特征 投资目标 在中至长期内赚取最高的回酬, 同时确保付给担保款额 为达致此目标, 本基金投资于 在大马证券交易所上市的优质股票以及其他套期保值的金融工具 投资策略与方法 投资策略本基金直接或间接通过 PRUlink equity fund 投资于在大马证券交易所上市的优质股票, 或通过其他未来推介的 s 以作投资, 其主要投资于股票与股票相关证券的多元化投资组合 本基金亦可投资于其他套期保值的金融工具 投资方法 基金经理相信其有规律和估值导向的投资方式可以赚取偏高的长期回酬 异常的投资者行为所导致的无效率定价现象可以通过公司内部所作出的积极研究与投资 组合管理加以利用 若要持续善加利用证券的定价误差情况则必须有规律的应用估值导 向方法 有关程序的目的是要消除引致定价误差的行为偏差 基金经理在盈利预测中设定了保守的假设条件, 以确保达致公司内部所设定的估值 目标 与此同时, 在各种事件所推动的动荡局势中, 基金经理也会承担预计风险以把握 投资良机 基金经理的目标乃是在长期内维持所有基金的良好表现, 同时遵守严格与专业的投资 指南 资产配置 本基金直接或间接通过 PRUlink equity fund 将高达 100% 的资金投资于在大马证券交易所上市的股票, 或通过其他未来推介的 s 以作出投资, 其主要投资于股票与股票相关证券的多元化投资组合 剩余的资金将投资于流动性资产以及其他套期保值的金融工具 表现基准富时大马 100 指数 (FBM 100) 基金经理 瀚亚投资有限公司 ( U) 收费与费用 基金管理费每年 1.5% 其他费用, 若有 无 请注意 :PRUlink golden funds 并非符合回教教义的产品, 而且其投资表现不受担保

8 以下乃是截于 2014 年 12 月 31 日的数据, 除非另行注明 ( 国内 ) 基金表现 表现图表 PRUlink golden equity fund 与富时大马 100 指数 (FBM 100) PRUlink golden equity fund 富时大马 100 指数 (FBM 100) 自推介的百分比变动 1 () 1 () (1) (1) () () () () () Nov-07 Sep-08 Jun-09 Mar-10 Jan-11 Oct-11 Aug-12 May-13 Mar-14 Dec-14 () Date 注 : 有关图表只供说明之用 基金过往的表现不可视为未来表现的指标 年度 真实表现 PRUlink golden equity fund 21.45% 3.98% 12.33% 11.54% -3.70% 基准富时大马 100 指数 (FBM 100) 21.76% 1.94% 9.60% 11.39% -6.17% 资料来源 Lipper Hindsight 5 and Bloomberg, 2014 年 12 月 31 日 警告 : 这只是投资基金的表现, 而非所缴付的投资联结保险真实保费所赚取的回酬 注 : 我们根据在累积期预定的资产组合把你的资金投资于 PRUlink golden equity fund 与 PRUlink golden bond fund 在付款期间, 我们依据 80% 债券和 20% 股票的资产组合将你的资金投资于 PRUlink managed fund 请参考所附上的册子以进一步了解详情 过往表现的基本计算方式 : = n 年度的净资产值 - 1 n-1 年度的净资产值 % 投资风险 请参考附录以了解下列的投资风险详情, 按重要性排列 : (A) 市场风险 (D) 股票 / 发行者风险 (B) 流动性风险 (C) 利率风险 (E) 国家风险 (F) 违规风险 (G) 集中风险 (H) 管理公司风险 (I) 通货膨胀风险 (J) 投资经理风险

9 以下乃是截于 2014 年 12 月 31 日的数据, 除非另行注明 ( 国内 ) 风险管理 预测风险在领域配置与股票遴选的过程中, 我们针对经济状况 流动性 证券的质量等各种要素作出分析, 同时将潜在风险列入考量 系统控制每项基金的风险指标都由公司内部所设, 胥视客户的风险概况而定 这些风险指标包括投资组合中的证券规模 领域评级 集团发行者以及发行者活动的限制 我们备有监督投资组合风险的前台系统, 它是任何限制或违规状况的自动过滤器 其他资料 目标市场 寻求偏高资本增值的投资者 风险承受度偏高 中至长期投资期限 单位估价的基础与次数 每天作出单位定价 PRUlink golden fund 在任何一个估价日的单位价格将等于基金价值除以截至估价日所发行的单位数目 基金价值乃是某项 PRUlink golden fund 所有资产的价值, 扣除管理 购买 持有基金资产以及资产估值方面的开销 公司从基金资产中赚取的投资收益或资本收益所引致的税务或其他的法定费用, 以及任何的累计或预计收益 估价日乃是公司在任何时候所决定的日期 ( 至少一天一次 ), 目的为确定单位的价格 为索回买卖资产的成本, 我们可能会在基金价值中作出交易成本的调整, 以取回基金发行或取消单位所付给的款项或所应付给的合理数额 特殊情况 公司保留权力以延迟 PRUlink golden funds 单位的转移以及支付款额 具伸缩性的部分提兑及 / 或退保利益的付给, 但不超过转移日期或应当付款的日期算起的 6 个月期间 如果本基金所作出的投资交易所暂停交易, 公司可能会暂停单位定价以及保单交易的活动 届时公司将会刊登暂停通知, 并且会在受保人作出有关 PRUlink golden fund 的加额 转移 回赎或提兑方面的申请时, 告知受保人有关的事宜 以上并非详尽的特殊情况列单, 请参考你的保单文件以进一步了解详情

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