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).

• 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.

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.

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.