Regulatory Disclosure
& Risk Warning

Regulatory Status & Representation

Shoo Kyuk Wei (hereinafter referred to as "the Consultant") is a Licensed Unit Trust Consultant (UTC) and Private Retirement Scheme (PRS) Consultant registered with the Federation of Investment Managers Malaysia (FIMM).

• FIMM Registration No.: F01091705  ·  Verify on FIMM Consultant Search.
• Principal Represented: Public Mutual Berhad.
• Nature of Website: This website (engineerdad.my) is a personal blog and educational platform owned by the Consultant. It is not the official website of Public Mutual Berhad, and the views expressed herein are solely those of the Consultant and do not necessarily reflect the official positions or opinions of Public Mutual Berhad.
• SC Review Status: The contents of this website and all advertisements through printed or electronic, digital or other means of communications have not been reviewed by the Securities Commission Malaysia.
• Geographic Scope: Public Mutual unit trust and PRS fund offerings discussed on this site are available in Malaysia only.

Educational Purpose

The content provided on this website — including articles, calculators, infographics, and "engineering analogies" — is for informational and educational purposes only. It does not constitute specific investment advice, financial planning, or a recommendation to buy or sell any specific Unit Trust Fund or PRS Fund.

• No Fiduciary Relationship: Accessing this website or using its contact forms does not create a consultant-client relationship. A formal relationship is only established upon the completion of a Suitability Assessment (SA) and the signing of official investment forms.

Risk Disclosure

Investors are advised that:

• Capital at Risk: Investments in Unit Trusts and PRS involve risks, including the potential loss of the principal amount invested.
• Past Performance: Past performance of any fund or asset class is not indicative of future results. Returns may vary due to market conditions, currency fluctuations, and fund management strategies.
• No Guarantees: Unless explicitly stated as a "Capital Guaranteed" fund in the official Prospectus, no returns are guaranteed.

Fees & Charges

You should understand the risks of the fund(s), compare and consider the fees, charges and costs involved in investing in the fund(s). There are fees and charges involved that may affect the returns over time.

• Sales Charge: A sales charge (if any) will be imposed on purchases of units of the fund and deducted upfront from the investment amount.
• Other Charges: Annual management fees, trustee fees, switching fees, and redemption charges (if any) are detailed in the relevant Master Prospectus and Product Highlights Sheet (PHS) of each fund.

Accuracy of Projections & Simulations

Any charts, graphs, spreadsheets, or "snowball effect" projections presented on this site are hypothetical and used solely for illustration.

• Assumptions: Figures (e.g., "8% annual return") are based on historical market averages or mathematical assumptions and are not promises of actual returns.
• Inflation: Calculations may or may not account for inflation, taxes, or sales charges, as specified in the respective articles.

Prospectus Warning

Investors are advised to read and understand the contents of the relevant Master Prospectus, Supplemental Prospectus (if any), and Product Highlights Sheet (PHS) before investing. These documents are available at any Public Mutual Berhad branch or from the Consultant.

⚠ Cash Payment Warning

DO NOT PAY CASH TO A UNIT TRUST SCHEME CONSULTANT OR STAFF OF PUBLIC MUTUAL.

DO NOT MAKE DEPOSIT OR TRANSFER INTO THE BANK ACCOUNT OF A UNIT TRUST SCHEME CONSULTANT OR STAFF OF PUBLIC MUTUAL.

DO NOT ISSUE A CHEQUE IN THE NAME OF A UNIT TRUST SCHEME CONSULTANT OR STAFF OF PUBLIC MUTUAL.

All investment payments must be made directly to Public Mutual Berhad via official channels (Public Bank, online banking to Public Mutual's collection account, or Public Mutual branch). If you are ever asked to pay differently, refuse and report it to Public Mutual Customer Service.