CONSISTENT INCOME FOREVER

Cash savings and investment

• In finance, the rule of 72, is a method for estimating an investment's doubling time. The number in the title is divided by the interest percentage per period to obtain the approximate number of periods (usually years) required for doubling. Although scientific calculators and spreadsheet programs have functions to find the accurate doubling time, the rules are useful for mental calculations and when only a basic calculator is available. (source; wikipedia)

Rule 72 (what is rule 72?)

Example;

ASB (assuming the rate of return is 8% per

annum)72/8 = 9 years

0

100k

9

200k

18

400k

(it takes 9 years to double up the amount)

(the 100k is an example, can be more or less)

FD (assuming the rate of return is 3% per annum) 72/3 = 24 years

0

100k

24

200k

(it takes 24 years to double up the amount)

(the 100k is an example, can be more or less)

Example;

EPF (assuming the rate of return is 5% per

annum)72/5 = 14.4 years

0

100k

14

200k

(it takes 14 years to double up the amount)

(the 100k is an example, can be more or less)

TH (assuming the rate of return for

tabung haji is 5% per annum) 72/5 = 14.4 years

0

100k

14

200k

(it takes 14 years to double up the amount)

(the 100k is an example, can be more or less)

Public Mutual

PM (our target is 12% on average per annum) 72/12 = 6 years

0

100k

6

200k

18

800k

(it takes 6 years to double up the

amount)

12

400k

Continue...Base on the details from the previous slides, this is what we will do to allow you to have a consistent return forever;

PM (our target is 12% on average per annum) 72/12 = 6 years

0

200k

6

400k 200k out, 200k cont.

Invest)

18

REPEAT

12

REPEAT

After 6 years we are going to take out half of the amount to be spend by you for the next 6 years. The other half will be left in public mutual for it to double up again in the next 6 years.

We will continue this cycle to allow you to have the consistent return forever.

REQUIRED DOCUMENTS

-PUBLIC MUTUAL NEW INVESTORS FORM

-PUBLIC MUTUAL CASH INVESTMENT FORMS

-CHEQUES WRITTEN TO PUBLIC MUTUAL BHD (2 CHEQUES 100K EACH)

-2 COPIES OF FUNDHOLDER’S IC