In any investment, there are risks involved. Unit trust funds invest in various types of assets such as shares, bonds, money market according to each fund's investment objective. These assets fluctuate in value on a daily basis affected by the local or global economic conditions, thus the unit prices may rise and fall according to the Fund's underlying assets or net asset value (NAV).

Nevertheless, the opportunity for investment growth that is possible through investments in unit trust funds far exceeds the concern over risk for most investors.

Returns are not guaranteed in all unit trust fund investment, including AFMB's fund(s). However, in general, the investment returns is very much depended on the objective of the fund that you invested in. If you invest into Affin Capital Fund, which is a bond fund, for instance, you can target a lower investment returns compared to if you invest in Affin Select Growth Fund, an equity fund. Nevertheless, your investment risk in ACF, in general, would be lower.

You may refer to the Lipper Fund Table published in "The Edge Weekly" for the fund performance update of all funds that available in Malaysia.

Cash Investment
You can start off your investment with minimum initial investment of RM200 in any of our fund except AIMMF (RM5,000), and thereafter you may top up your investment with minimum additional investment of RM100.

You can invest in one lump sum and top up as and when you wish or you may opt for regular savings where you can invest monthly or at your selected interval.

EPF-MIS Investment
For EPF-MIS, you are only allowed to invest in funds that are approved by EPF. EPF would update their approval list on yearly basis. 5 of our funds namely AEF, ACF, AIEF, DIA and AIMMF are applicable to EPF-MIS.

Minimum initial and subsequent investments are RM1,000. You can make withdrawal once every 3 month from your EPF account 1 subject to EPF-MIS's term and conditions of investment.

Please refer to EPF-Member's Investment Scheme for details.

We tabulate herebelow our funds' minimum and subsequent investment requirement for your easy reference:

Yes. You may be charged a direct Sales Charge when you invest into AFMB's fund(s).

Please note that Sales Charge may vary with different IUTAs.

There are indirect charges such as annual management fees, trustee fee, etc which will be charged to the fund. However, these charges are accounted in the fund's NAV and are reflected in fund's daily price.

Please refer to Resource Centre/Fee & Charges for further details.

Please follow the Step-By-Step Guide as follows:

No.	Particular	Investment by Cash	Investment through EPF-MIS
A	Investor to complete and sign Form(s)
	Investment Form FIMM Pre-Investment Form KWSP 9N (AHL) Form (you must affixed your left and right thumb prints on the form)
B	Investor to provide Proof of Identity
	Photocopy (front and back on an A4 paper) of NRIC, or Passport (for non Malaysian)	, or	(with both left & right thumb prints fixed)
C	Investor to make Payment
	By Cash. Investor to bank-in payment into fund accounts maintained at Affin Bank through ATM or counter and retain the Bank Deposit Slip; No. Fund Fund's Account No. 1. AEF 1000 200 11788 2. ATF 1000 204 04395 3. AIEF 1050 200 38562 4. AIMMF 1050 200 40275 5. ASGF 1000 204 00386 6. ACF 1000 200 17009 7. DIA 1050 200 03490 8. AQF 1000 204 09701 or By Cheque. Cheque to be made in favour of "Affin Fund Management Berhad"	, or
D	Investor to retain proof of transaction for future reference
	Relevant Form, and Bank Deposit Slip
E	Investor to mail the original documents of item A, B, and C
	Mail the original documents of item A, B, and C to: Marketing & Business Development Department Affin Fund Management Berhad 22nd Floor, Menara Boustead 69 Jalan Raja Chulan 50200 Kuala Lumpur

You will later receive a Confirmation Advice on your investment from us as soon as your application is approved by AFMB. Usually it will take a week after received your complete application.

Application procedure may vary from one IUTA to another. Kindly check with the IUTA you like to deal with for details.

No. However, you may contact us at 03-20275800 or enquiry@affinfund.com.my for the investment form to be forwarded to you. Thereafter you may follow our step by step guide in item 5.

IUTAs may adopt different set of policy, however in general, your investment (except AIMMF) will be transacted as follows:

Cash Investment
For payment by cash or cheque, your investment units will be purchased on the transaction day's closing NAV. Our cut off time is 4pm on any business day. Any payment received after the cut off time or on a non-business day, will be transacted on the next business day.
For cheque payment, however, we only process your investment after your payment cheque is cleared.

EPF-MIS Investment
All investment via EPF-MIS will only be processed after AFMB receives the following duly completed documents:

• KWSP 9N (AHL) form
• FIMM Pre-Investment Form
• AFMB Investment Form
• A certified true copy of IC (both front and back) on a piece of A4 paper with thumbprints (both left and right) by any KWSP office or a qualified IUTAs/AFMB officer.

Your investment units will be purchased at the closing NAV on the day AFMB received your investment application.

Usually, EPF will disburse member's investment money, (if member fulfilled all the terms and conditions of EPF- MIS) direct to AFMB within a week from the date EPF received Member's Application through AFMB.

Your investment will be transacted on the same business day that you place your investment with us, provided they are placed before 10a.m. your fund will be invested based on transaction day's closing price.

Investment placement received after 10a.m. and on a non-business day will be transacted on the next business day.

To know more about the AIMMF, click here.

You will receive an Acknowledgement Receipt and Statement of Investment from AFMB within 1 week from the date we received your investment application.

If you invest with us through IUTA, the above may vary as each IUTA may have its own set of operational procedure.

You will have the convenience of maintaining all your investment in ONE account regardless of the number of funds you invest with AFMB except for investments made via the EPF Members' Investment Scheme where a separate account will be established.

Please visit Investment Centre/How to invest in our unit Trust?/Investing Regularly or Click here for details.

You can cancel your Regular Savings Plan at any time by providing written instructions to the relevant IUTA to cancel your standing instruction.

No, there is no exit fee charged for all AFMB's funds.

Yes, you can. Unit Holders may switch Units of the fund to other funds managed by AFMB, and vice versa.

Please visit Investment Centre/How to invest in our unit trust?/Switching or Click here for details.

Take for example, an investor who switches from Fund A to Fund B. The NAV of Fund A will be used to convert the units to a Ringgit value amount. The NAV of Fund B will then be used to convert the value in Ringgit back to units of Fund B.

If we receive a switching request before 4.00 p.m., your units will be switched based on the day's closing NAV . If we receive the request at or after 4.00 p.m., it will be processed based on the next Business Day's closing NAV.

It depends on the fund's distribution policy. Each fund carries a distribution policy which is in line with the objective of the Fund. The distribution policy of our funds is summarised as follows:

Distribution of income (if any) will be automatically reinvested in units at NAV per unit of the relevant Fund based on the NAV per Unit on a date fixed on each fund (see table) after the ex-distribution date.

The allotment of Units for the reinvestment shall be made within two (2) months from the declaration date. Unit Holders who wish to realise their distribution income shall ordinarily redeem their units with the Manager. No Sales Charge will be imposed on distribution reinvestment.

Except for AEF, Unit Holders who invested prior to 11 November 2002 and who opted to receive cash distribution will receive their distribution cheque.

Note: The above are subject to changes. Please refer to the latest Master Prospectus for update.

Income earned by the Fund during the financial year is accrued in its unit's price until the end of the distribution period. When an income distribution is declared, any interest income and realised capital profits are paid to unit holders. Consequently, the Fund's net asset value per unit will tend to "fall" by approximately the same amount as the income distribution.

If AFMB received of your redemption application before 4 p.m., your redemption proceed will be based on the day's closing NAV; If received after 4 p.m. on a business day or on non-business day, will be proceed based on the next business day's closing NAV.

All redemption net proceed will be paid by cheque made payable to the principal Unit Holder only.

Redemption Payment will be made within 10 days (except AIMMF, 4 days) from the day we received the duly signed Quick Form and mailed it to the address in our record.

For EPF Unit Holders, the net proceeds will be remitted to EPF by crediting into the members' provident account.

All outstanding unclaimed payments including money under any Unit Holder's account with AFMB which has been closed will be filed and paid to the Registrar of Unclaimed Moneys after the lapse of 1 year from the date of payment.

If the Unit Holders wish to make claims after the moneys have been paid to the Registrar of Unclaimed Moneys, they have to forward their claims to the Registrar of Unclaimed Moneys themselves.

You will receive annual and interim Statement of Transaction sent together with the Funds' financial reports, which will provide you with the latest update of your investment account.

The investment strategies, performances, portfolio holdings and financial accounts of the Funds are detailed twice a year in annual and interim reports which are sent to all Unit Holders within 2 months from the close of each financial year or interim period.

Details of the Funds' financial year and interim are as follows:

You may refer to any of our Institutional Unit Trust Adviser (IUTA) or call our Customer Service at 03-2027 5800 between 8:30am - 6:00pm, Mondays to Fridays for any assistance. Or you can drop us an email at enquiry@affinfund.com.my.