Unit Trust & ETF

AHB Unitholders Get 2.17 sen Interim Dividend for March 2011

Amanah Hartanah Bumipureta

Pelaburan Hartanah Bhd (PHB), has announced its first interim dividend of 2.17 sen per unit for Amanah Hartanah Bumiputera Unit Trust Fund (AHB) for the period ending 31st March 2011.

The income distribution is for the period of 4 months. If the subsequent dividend payment is at similar rate, it would translate to 6.51 percent return per year. The figure is comparable with funds managed by Amanah Saham Nasional Berhad.

The dividend will involved a total payment of RM19 million. It is tax-exempted and will be credited into the unit holders’ accounts on 18th April 2011.

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AHB Financing-i, Loan to Invest in Amanah Hartanah Bumiputera

Maybank is having a new financing facility called AHB Financing-i. It provides financing for the purchase of Amanah Hartanah Bumiputera (AHB) unit trusts. It is an Islamic loan based on the Shariah principles of Bai’ ‘Inah (sale with immediate repurchase).

Below are the details on AHB Financing-i,


  • Individuals age 18 years up to 59 years old
  • Malaysian Residents
  • Bumiputera

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Investment Opportunity in Amanah Hartanah Bumiputera (AHB)

As highlighted during 2011 Budget, Prime Minister of Malaysia recently launched Amanah Hartanah Bumiputera (AHB) investment fund. AHB is managed by Pelaburan Hartanah Bhd (PHB) and has the fund size of 1 billion units. The fund size will be increased by another 500 million units next year.

AHB is a syariah compliant unit trust scheme and it would enable Bumiputera investors to own real estate assets with a minimum investment of RM500 and maximum of RM200,000.

Subsequently, additional investment can be done in multiple of RM100. For withdrawal, investors are allowed to do it once a month with minimum amount of RM500. Minimum account balance is RM500.

It is open to Bumiputera above three months of age, with investors below the age of 18 requiring a Malaysian legal guardian signatory.

The unit trust is a fixed price fund and will be sold at RM1 a unit. Bumiputera who are interested to participate in the scheme can go to Maybank branches nationwide to buy the AHB units.

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Investments, Potential Return vs Risk Level


We always heard that many people are saying high risk investment come with higher return. But how do we know which investments have higher return with higher risk and vice versa.

There are 3 level of investments risk namely conservative, moderate and aggressive with potential return ranging from 3 percent and up to 20 percent. The most commonly type of investments from lowest to highest potential returns are government securities, fixed deposits, bonds, investment linked insurances, equities and options/warrants.

The chart below illustrates the risk and potential return of the common types of investment products.

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Risk Associated with Unit Trust Investment

unit trusts

Prior to making an investment, prospective investors should consider the following risk factors carefully in addition to the other information set forth elsewhere in this Prospectus.

Although unit trust management companies seek to minimize risks by investing in a diversified portfolio, investors should be warned that there are potential risks in investing in unit trusts.

They include:

1. Market risk

Market risk cannot be eliminated by diversification. It stems from the fact that there are other economy-wide perils, which threaten all businesses. That is why investors are exposed to market uncertainties, regardless of numbers or types of investment held. Fluctuation in the market caused by uncertainties in the economy, political and social environment will affect the market price of unit trust Fund.

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