Save & Invest


Our Instituitional Unit Trust Advisers (IUTA) may not carry the complete range of Pacific Mutual's Funds. Investments made via our IUTA may be subject to different terms and conditions of the respective IUTA.


Take the road to greater financial security and opportunity. With careful planning and a fair amount of discipline, you can actually make a mountain out of a molehill.

Save & Invest shows you easy and affordable ways to invest in Pacific Mutual unit trust funds.

Under our Saver's Plan, you invest a fixed sum every month for a predetermined number of years. You can do this in multiples of RM50 for a minimum of five years.

You can also, in a less structured way, invest in lump sums of cash at anytime, every now and again. Our Cash Plan starts at a minimum of RM500. Additional investments can be as low as RM100.

Under the EPF Members' Savings Investment Scheme, qualified members may withdraw as little as RM1,000 every three months to invest in unit trust funds*.

* Subject to EPF's terms and conditions.

Determine your investment goal

What are you investing for? This is important to know as it will help you set realistic goals within reasonable time-frames. There are three common goals - Personal, Education and Retirement.

This could mean anything from a down payment for a new home to your wedding, or that sports car which has been racing in your head for as long as you could remember. We suggest, above all else, building a reserve so that you would have more choices in life; in other words, greater financial freedom.

Besides tender loving care, a sound education is the best gift you could give your child. It opens for him or for her the door of opportunity. It is something your child keeps for life. Unfortunately, the greatest gift is also the greatest financial burden. Today, only 3% of Malaysian secondary school graduates have the opportunity to pursue tertiary education in local universities*. Do start early, even at conception.

* Source: Education Guide Malaysia, Fourth Edition

Beat inflation and better your retirement lifestyle. Start early putting aside a small amount and let the magic of compounded returns give you the freedom to do all those things you have always wanted to do.

Albert Einstein once described compounded returns
as the eighth wonder of the world

In this example, both Jasmine and Miriam invest RM100 a month, or RM1,200 a year. Jasmine starts early at age 21 with her first salary. Miriam, thinking there is time yet, delays until age 31, just when Jasmine has finished her 10-year savings plan. By the time they both reach age 40, assuming a compounded growth rate of 10% p.a., Jasmine's savings at RM54,566 has more than doubled Miriam's RM21,037. Even though Miriam carries on saving the same amount each month, whereas Jasmine has stopped saving at age 30, Jasmine's nest egg of RM367,090 turns out to be 69% bigger than Miriam's RM217,132 when they finally compare notes at their 60th birthday.

Moral of the story?
Delay is costly. It pays for more to start early.


1,200 1,320
1,200 2,772
1,200 4,369
1,200 6,126
1,200 8,059
1,200 10,185
1,200 12,523
1,200 15,095
1,200 17,925
1,200 21,037
0 23,141
0 25,455
0 28,001
0 30,801
0 33,881
0 54,566
0 87,878
0 141,529
0 227,934
0 367,090
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
1,200 1,320
1,200 2,772
1,200 4,369
1,200 6,126
1,200 8,059
1,200 21,037
1,200 41,940
1,200 75,603
1,200 129,818
1,200 217,132

The inflation demon

Picture a modern day Rip Van Winkle who has been asleep for 15 years. He suddenly awakens and being a money man, immediately remembers his investments and hurries to check their value. He is delighted to hear that his humble investments now comprise RM500 million in stocks, RM50 million in bonds and RM250,000 in fixed deposits. He feels on top of the world until a recorded message says, sweetly and softly, "Please deposit RM100,000 for another five minutes of this messaging service."

This story sounds far-fetched but illustrates graphically the persistence of inflation over at least the last 15 years. From 31 March 1999 to 31 March 2014, Malaysia's Consumer Price Index (CPI) rose by a compounded 2.23% per annum1. At this inflation rate, RM1,000 kept under the mattress would be worth only RM718 after 15 years. However, for many goods and services that we consume, the inflation rate is much higher and hence the RM1,000 will buy even less in future.

Another way of looking at it is, inflation raises our expenses over the years. Expenses of RM1,000 will increase over the years as illustrated below:

Annual Inflation Rate
  3% 4% 5%
10 Years 1,344 1,480 1,629
15 Years 1,558 1,801 2,079
25 Years 2,094 2,666 3,386
40 Years 3,262 4,801 7,040

Inflation is a great hidden risk for everyone in this day and age. Insufficient growth for one's investments could turn financial goals into elusive dreams. Equities, on the other hand and in spite of their higher risks compared with, say, fixed deposits and bonds, have been a good hedge against inflation over the long term.

The following graph shows how RM100 placed in an investment that mirrored the performance of the FBM KLCI (formerly known as KLCI) would grow to RM368 from 31 March 1999 to 31 March 2014.



Because equity prices are volatile, an investor should not invest solely in equities. A diversified portfolio that includes equities, bonds and real estate, for example, is likely to bring reasonable returns and meet the investor's financial goals over the medium or long term.

1 International Monetary Fund Malaysia CPI, Bloomberg

Ringgit Cost Averaging

Our Saver's Plan automatically exposes you to the benefits of Ringgit Cost Averaging. It saves you the hassle of timing your investments and removes much of the anxiety in looking for market lows. With a constant investment amount, you will buy more units when prices are low and fewer units when prices are high. Ringgit Cost Averaging generally yields better results over time unless one can pinpoint market bottom, without  fail. The three scenarios presented here illustrate the point.


  Price (RM) Units Bought With
Monthly RM200
Units Bought With
Lump Sum RM1,600
      January July
January 1.00 200.00 1,600.00  
February 0.75 266.67    
March 0.80 250.00    
April 0.55 363.64    
May 0.70 285.71    
June 0.60 333.33    
July 0.75 266.67   2,133.33
August 1.00 200.00    
Total number of units   2,166.02 1,600.00 2,133.33
Market Value (RM)   2,166.02 1,600.00 2,133.33
Gain (Loss) - (RM)   566.02 0 533.33
Gain (Loss) - %   35.38 0 33.33

  Price (RM) Units Bought With
Monthly RM200
Units Bought With
Lump Sum RM1,600
      January July
January 1.00 200.00 1,600.00  
February 1.10 181.82    
March 1.20 166.67    
April 1.30 153.85    
May 1.40 142.86    
June 1.50 133.33    
July 1.60 125.00   1,000.00
August 1.70 117.65    
Total number of units   1,221.18 1,600.00 1,000.00
Market Value (RM)   2,076.00 2,720.00 1,700.00
Gain (Loss) - (RM)   476.00 1,120.00 100.00
Gain (Loss) - %   29.75 70.00 6.25

  Price (RM) Units Bought With
Monthly RM200
Units Bought With
Lump Sum RM1,600
      January July
January 1.70 117.65 941.18    
February 1.60 125.00      
March 1.50 133.33      
April 1.40 142.86      
May 1.30 153.85      
June 1.20 166.67      
July 1.10 181.82  
August 1.00 200.00      
Total number of units   1,221.18 941.18
Market Value (RM)   1,221.18 941.18
Gain (Loss) - (RM)   (378.82) (658.82)
Gain (Loss) - %   (23.68)   (41.18)

What a little extra now can build up to

 This is how extra monthly savings over 25 years at compounded growth rate of 8%, can produce vastly different results.

How much will I need to invest monthly to accumulate a projected RM1 million?

Assuming you invest for 25 years at a compounded annual return of 10%:
Targeted Wealth
RM1,000,000 RM2,000,000 RM3,000,000
Monthly Investment
RM754 RM1,508 RM2,262
Your ProfilePacific Mutual's Funds
Fund TypeFund FocusFund Name
Aggressive Aggressive Mixed Assets (wholesale) Pacific ROAR Fund
Greater China Growth Pacific Focus China Fund
Global Equity Growth (50% global) Pacific Focus18 Fund
Global Equity Growth Pacific Asia Brands Fund
Recovery Pacific Recovery Fund
Small Capital Pacific Pearl Fund
Moderate Fairly Aggressive Global Agriculture, Infrastructure & Resources Pacific Global A.I.R. Fund
Global Equity Growth & Income
Pacific Global Stars Fund
Growth & Income Pacific Premier Fund
Large Capital Pacific Millennium Fund
Islamic Equity Pacific Dana Aman
Global Growth & Income (50% global) Pacific Dana Dividen
Equity Growth & Income Pacific Dividend Fund
Global Income & Growth Pacific Dynamic AsiaPac Fund
Mixed Assets - Islamic Pacific Dynamic Global Islamic Fund
Mixed Assets - Feeder Fund (wholesale) Pacific Asian Income Fund
Moderate Fixed Income - Feeder Fund (wholesale) Pacific Emerging Market Bond Fund
Conservative Fairly Conservative Global Income & Growth Pacific AsiaPac Income Fund
Growth & Income Pacific SELECT Balance Fund
Income & Growth - Islamic Pacific Dana Imbang
Income & Growth Pacific Income Fund
Conservative Income Pacific SELECT Income Fund
Sukuk Pacific Dana Murni
Money Market Pacific Cash Fund
Islamic Money Market (wholesale) Pacific Islamic Cash Fund
Cash Deposits (wholesale) Pacific Cash Deposit Fund
Money Market (wholesale) Pacific OCBC Cash Fund
∆  This wholesale fund is for sophisticated investors only. A sophisticated investor means any person who comes within any of the categories of investors as set out in Part 1, Schedule 6 and 7 of the Capital Markets and Services Act 2007 ("CMSA"). These would include (but are not limited to) the following:

Accredited investors
1. a unit trust scheme, prescribed investment scheme or private retirement scheme; 
2. a holder of a Capital Markets Services License; 
3. an executive director or a chief executive officer of a holder of a Capital Markets Services License; 
4. a closed end fund approved by the Securities Commission; 
5. a bank licensee or insurance licensee as defined under the Labuan Financial Services and Securities Act 2010;
6. an Islamic bank licensee or takaful licensee as defined under the Labuan Islamic Financial Services And Securities Act 2010;
7. a licensed institution as defined in the Financial Services Act 2013 or an Islamic bank as defined in the Islamic Financial Services Act 2013;
8. an insurance company registered under the Financial Services Act 2013 or a takaful operator registered under the Islamic Financial Services Act 2013; or
9.  Bank Negara Malaysia.
High-net worth entities
1. a company that is registered as a trust company under the Trust Companies Act 1949 which has assets under management exceeding RM10 million or its equivalent in foreign currencies; 
2.  a corporation that is a public company under the Companies Act 1965 which is approved by the Securities Commission to be a trustee under the CMSA and has assets under management exceeding RM10 million or its equivalent in foreign currencies; 
3.  a corporation with total net assets exceeding RM10 million or its equivalent in foreign currencies based on the last audited accounts; 
4.  a partnership with total net assets exceeding RM10 million or its equivalent in foreign currencies; 
5. a statutory body established by an Act of Parliament or an enactment of any State; or
6. a pension fund approved by the Director General of Inland Revenue under section 150 of the Income Tax Act 1967.

High-net worth individual
1.  an individual –
  a. whose total net personal assets, or total net joint assets with his or her spouse, exceeds RM3 million or its equivalent in foreign currencies, excluding the value of the individual’s primary residence;
  b. who has a gross annual income exceeding RM300,000 or its equivalent in foreign currencies per annum in the preceding 12 months; or
  c. who, jointly with his or her spouse, has a gross annual income exceeding RM400,000 or its equivalent in foreign currencies per annum in the preceding 12 months.