1 / 16

Public Mutual · Unit Trust · EngineerDad

Engineering Your
Financial Future

A no-fluff, numbers-first guide to growing your wealth — systematically, intentionally, and on your timeline.

Presented by EngineerDad × Public Mutual Berhad
Start early. Stay consistent.
Let time work for you.
Updated Apr 2026
Swipe
01 / Your Consultant
Shoo Kyuk Wei — EngineerDad
Shoo Kyuk Wei // "Solid" · @engineerdad88
Licensed UTC
Licensed PRS Consultant
Representative · Public Mutual Berhad
Verify FIMM Credentials ↗

FIMM Reg. No: F01091705

"I bring an engineer's logic + a trader's market reality to your portfolio. Not theory — lived experience."
Ex-Head of Engineering Systems thinking · Data-driven decisions · Process discipline
Full-Time Trader US capital markets · Daily market navigation · Real portfolio reality
Licensed UTC & PRS Consultant FIMM registered · SC regulated · Public Mutual Berhad
01 / The Mindset Shift

Investment is a Necessity.
Not a Luxury.

Inflation doesn't pause — savings lose real value every year you wait. Fixed deposits earn ~2.5% (BNM average) while education and living costs rise 5–6% annually.
EPF alone won't sustain your retirement — while EPF provides a guaranteed minimum dividend, it was never designed as a complete retirement vehicle. The gap between what it provides and a comfortable lifestyle is real, and growing.
Time is the only input you cannot buy back. Every month of delay has a compounding price tag — and the math in this deck will prove exactly how much.

The question isn't whether you can afford to invest.
It's whether you can afford not to.

02 / The Institution

Public Mutual.
Malaysia's largest private unit trust company.

Wholly owned subsidiary of Public Bank Berhad. SC-regulated and FIMM-registered. Managing 185 funds across equity, fixed income, sukuk, and PRS categories.

RM103B+
Total NAV Under Management
43.2%
Retail Funds Market Share
47.8%
PRS Sector Market Share
185
Funds Available
SC Regulated
FIMM Registered
Min. RM100/month
Syariah-Compliant Options

Source: publicmutual.com.my. Data per The Edge Lipper, April 2026.

02 / Track Record
200+

Malaysia's most awarded unit trust fund manager — 200+ industry awards since 1999

33
2026 LSEG Lipper Fund Awards — 4 Group & 29 Individual wins across Equity, Mixed Assets & Bond
30
2025 LSEG Lipper Fund Awards — biggest winner that year, Group wins in Equity & Mixed Assets
10%+
Top-quartile funds delivering 10%+ annualised returns over 10+ years

Sources: LSEG Lipper 2026 · Our Track Records. Past performance is not indicative of future results. Unit trust investments involve risk.

02 / Awards Showcase

LSEG Lipper Fund Awards · Official Recognition

Recognised Across Every Category

Consecutive group wins in Equity, Mixed Assets & Bond — the only fund manager to sweep all major categories in Malaysia

2026

33 Awards — 4 Group + 29 Individual

  • Best Fund Group — Equity (Malaysia)
  • Best Fund Group — Mixed Assets (Malaysia)
  • Best Fund Group — Mixed Assets (Malaysia Islamic)
  • Best Fund Group — Bond (Malaysia Islamic)
↗ publicmutual.com.my/lseg-lipper-fund-awards-2026
2025

Special Recognition — Beyond Lipper

  • IFN Investor Fund Awards — Shariah investing excellence
  • The Edge ESG Awards — sustainable investment practices
  • The Asset Triple A — Islamic Asset Manager of the Year, Asia-Pacific (Retail)
↗ publicmutual.com.my/Our-Track-Records

Sources: LSEG Lipper Fund Awards (publicmutual.com.my/lseg-lipper-fund-awards-2026) · Public Mutual Track Records (publicmutual.com.my/Our-Track-Records) · The Edge Malaysia (theedgemalaysia.com/node/745622). Awards based on Lipper Leader for Consistent Return (risk-adjusted). Past performance is not indicative of future results.

03 / How It Works

The Mechanics of
Unit Trust

Think of it as a shared engineering project — pooled capital, professional execution, shared outcome.

Investors Pool
Thousands contribute capital together — as little as RM100
→
Fund Manager
Professional team allocates across vetted assets — full-time job
→
Asset Classes
Equities, sukuk, fixed income, money market — diversified by strategy
→
NAV Growth
Your units grow in value — redeem anytime, track daily
NAV (Net Asset Value) is simply the price per unit. When NAV rises, your units are worth more. You buy units when you invest, and sell units when you withdraw. The fund manager handles everything in between.
03 / Asset Classes

One portfolio.
Four engines.

Your risk profile determines the right mix — and it changes as your goals evolve.

← Conservative Aggressive →
Money Market
Liquid, low-risk. Capital preservation. Short-term parking for cash.
LOW RISK
Fixed Income / Sukuk
Bond-like instruments. Steady income, capital stability over medium term.
LOW–MED RISK
Mixed Asset
Balanced blend of equity and fixed income. Growth with a stability buffer.
MEDIUM RISK
Equity
Stocks — domestic and global. Highest long-term growth potential. Best for 5+ year horizons.
HIGH RISK / HIGH REWARD
03 / Strategy

The Automation Protocol:
Dollar Cost Averaging

Fixed amount. Regular interval. Regardless of market conditions. This is not luck — this is engineering consistency into your wealth.

Removes Emotion You buy regardless of whether the market is up or down. Discipline beats prediction.
Buys More on Dips When NAV drops, your fixed RM amount buys more units. Volatility works for you.
Averages Your Cost Over time, your average cost per unit smooths out — reducing timing risk entirely.

"Automate the input. Let compounding handle the output."

Chart is illustrative. Past NAV movements do not guarantee future performance.

Goal One

Retirement
Security

"Will you outlive
your money?"

RM 3.98M

Inflation-adjusted corpus needed for RM5,000/month retirement

Goal Two

Children's
Future Fund

"Will they have options,
or obligations?"

RM 480K

Projected private university cost in 18 years (today: ~RM200K)

04 / Your Number

Know It.
Own It.

RM5,000 feels comfortable today — but what does it cost in 20 years? Write this number down.

Today's money
RM 5,000/month
your lifestyle benchmark now
↓
5% inflation × 20 years  →  multiply by (1.05)²⁰ = ×2.65
At retirement (year 2045)
RM 13,267/month
what RM5,000 buys will cost this much
↓
4% withdrawal rule  →  RM13,267 × 12 ÷ 0.04
Retirement corpus needed
RM 3.98M
fund that safely pays you forever
RM5,000 today becomes RM13,267/month in 20 years. The 4% rule needs RM3.98M saved. What monthly contribution, starting now, gets you there?

Illustrative example only. Assumes 5% p.a. inflation and 4% withdrawal rate. Actual inflation and returns will vary and are not guaranteed.

04 / Children's Fund

The Math Doesn't
Lie

Same RM500/month. Same 8% target return. Completely different outcomes — separated only by when you start.

Compound Growth Formula FV = PMT × [(1 + r)ⁿ − 1] ÷ r PMT = RM 500/mo  ·  r = 8% ÷ 12 = 0.667%/mo  ·  n = years × 12 months

Start at Birth

RM 245K

RM500/month · 18 yrs · 8% p.a. · n = 216 months
Total invested: RM 108,000

Start at Age 10

RM 87K

RM500/month · 8 yrs · 8% p.a. · n = 96 months
Total invested: RM 48,000

Waiting 10 years costs your child RM158,000 in their fund — without investing a single cent more. The only difference is time.

Illustrative example only. Assumes 8% p.a. fund return. Actual fund returns vary and are not guaranteed. Past performance is not indicative of future performance.

05 / Opportunity Cost

Every month you delay
has a price tag.

RM500/month · 8% p.a. · Retire at 65 · Same investor, different start age

Compound Growth Formula FV = 500 × [(1.0067)ⁿ − 1] ÷ 0.0067 Age 25→65: n = 480 mo  ·  Age 35→65: n = 360 mo  ·  Age 45→65: n = 240 mo
RM 1.74M
at retirement
Start age 25
RM 745K
at retirement
Start age 35
RM 298K
at retirement
Start age 45
"The latency penalty is silent. It compounds quietly. Until one day it can't be undone."

Illustrative example only. Assumes 8% p.a. fund return. Actual fund returns vary and are not guaranteed. Past performance is not indicative of future performance.

05 / Time

You can buy more units.
You can increase contributions.
But you cannot rewind the clock.

Time is the only unfair advantage available to everyone — and it's
completely free if you start now.

06 / The Process

How We Invest
Together

Systematic. Transparent. Built around your life, not a generic template.

01
Free Consultation
We understand your goals, timeline, and risk appetite. No pressure. No obligation.
02
Risk Profile
We engineer a tailored fund portfolio — matched to your life stage and goals, not a template.
03
Start Investing
Open your Public Mutual account. Start from RM100/month. Automate your contributions.
04
Review & Grow
Quarterly portfolio reviews, rebalancing, and progress tracking against your targets.

"This is not a transaction. This is a system built around your goals."

06 / The Alpha Edge

The Missing Piece:
Alpha.

Two disciplines. One edge — data-driven engineering logic meets full-time trader market intelligence.

Alpha-Focused Analysis
Fund selection built around alpha generation — excess returns above benchmark, consistently.
Macro · Megatrends · Sectors
Macro regime alignment, thematic megatrend exposure, and live sector rotation — from a full-time trading desk.
Systems Thinking
Engineering discipline applied to finance: logic, data, process.
Ongoing Access
Regular reviews, rebalancing & open access — not just at sign-up.

Ready to start?

One Conversation.
Real Clarity.

Zero obligation. No pressure. Just honest numbers and a plan that's built around your life.

Chat on WhatsApp @engineerdad88 [email protected]

"Start early. Stay consistent. Let time work for you."

Regulatory & Risk Disclaimer: The information presented in these slides is for educational purposes only and should not be construed as a recommendation to buy or sell any specific unit trust fund. Investors are advised to read and understand the contents of the official Master Prospectus and Product Highlights Sheet (PHS) before making any investment decisions. Unit trust investments are subject to market risks. The value of units and the income distributed may fall as well as rise. Past performance is not a guarantee or indication of future performance. Public Mutual Berhad is licensed under the Capital Markets and Services Act 2007 and approved by the Securities Commission Malaysia.