The following persons are eligible to invest in AHB:

1. Malaysian Bumiputera:
   1. Akaun Dewasa (18 years and above);
   2. Akaun Remaja (For minor aged three (3) months and above but below 18 years under the name of a legal guardian. Legal guardian must be 18 years and above. Both legal guardian and minor must be Malaysian Bumiputera);
2. Bumiputera institutions as determined by the Sponsor and the Manager; and
3. Others as specified by the deed

You are advised to read and understand the contents of the prospectus of AHB, which have been registered with the Securities Commission (SC), before investing in AHB. Copies of the prospectus and application forms are available at all authorised distributors in Malaysia.

You can purchase AHB units at all authorised distributors throughout Malaysia on any Business Day during office hours. You are advised to do the following:

• Ask for assistance at the Enquiry Counter
• You will be directed to consult a Personal Financial Advisor (PFA) who will explain about AHB in more detail
• Fill in the form “Borang Pendaftaran - Akaun Dewasa” or “Borang Pendaftaran – Akaun Kanak-Kanak/Remaja” whichever is applicable.
  (Please take note that you will be required to provide a bank account number in the form. This is to facilitate payment of income distribution, if any, as the income distribution will be paid directly into your account. A minimum charge may be imposed to cover transaction costs upon payment of income distribution.)
• Submit the completed form together with your NRIC, or MyKad / original Birth Certificate (for individuals aged three (3) months to 18 years old) and the investment amount in either cash or banker’s cheque at the counter. Subsequently, a validated copy of the “Borang Pendaftaran” will be issued to you as evidence of your investment.

The price of a unit is fixed at RM1.00.

The minimum initial investment per individual is RM100 for cash investment.

The maximum investment is RM1,000,000 per individual. The Manager has the discretion to vary the limit of investment by any individual.

The minimum additional investment per individual is RM50 for cash investment.

The minimum redemption amount per individual is RM100. You can redeem your units by filling in “Borang Jualan Balik” at the counter.

Redemption can only be done once in a calendar month.

You can pay by cash and banker’s cheque (personal cheques will be subject to cheque clearance).

Your investment is evidenced by a validated copy of the “Borang Pendaftaran” at the point of making your purchase of AHB units.

A statement shall be issued every six months showing the balance of your investment in AHB. In addition, you may also request for your statement to be printed out at any authorised distributor by producing your identity card. However, the statement will not be produced immediately upon your request. The authorised distributor will contact you once the statement is ready for collection.

Income distribution (if any) will be made on a semi-annual basis.

Any distribution from AHB shall be paid fully in cash and/or units.

If distribution is in the form of cash, such distribution will be automatically credited into your bank account.

For any distribution in the form of units, such units will be credited into the unit holder’s AHB account.

There will be no charges or fees imposed. You can buy and sell units at exactly RM1.00 per unit for cash transactions.

There is no maturity period for AHB as its tenure is indefinite, subject to the terms of the deed and the transaction documents.

Transfer of units is not permitted, save for the following:

1. transfer to and from the Sponsor; or
2. transfer to the trustee, administrator or executor of the estate of a deceased unit holder who is entitled to be registered as a unit holder in accordance with Section 313 of the Capital Markets and Services Act 2007; or
3. transfer to and from financial institutions which have provided financing to unit holders for the purchase of units.

Yes, AHB has the following investment limits for Shariah-compliant real estate and cash based assets.

AHB launched on 20 October 2010 with an initial fund size of 1 billion units. The current fund size stands at 5.0 billion units.

Income distribution declarations are at the discretion of the Sponsor who may distribute capital gains as Hibah or reinvest in other assets, after considering what will be in the best interests of investors. As an investor you will continue to enjoy beneficial ownership of AHB and receive regular rental income streams from the portfolio.

On the matter of zakat on AHB investments, investors are often uncertain if their capital investments are subject to zakat.

Capital investments in AHB are not subject to zakat because they are considered as business capital for the purpose of investing in real estate for rental purposes. Real estate intended for rental is only subject to zakat on the returns while there is no need to pay zakat on the asset itself.

Investors also do not have to pay zakat on any income earned on their AHB investments as this income is net of zakat. In other words, AHB has already paid zakat on any income before making distributions to investors.

You can contact the nearest Maybank, Ambank, AmBank Islamic or Bank Islam branch for any enquiries and requests. Alternatively, you can contact the Fund Manager, PHB Asset Management Berhad (PHBAM), at (03) 7734 0555.

In general, units available for subscription in a particular account would be 1,000,000 units minus current units (capital + income reinvested, if any).

Please refer to the examples shown below:
Example 1: If an account has a capital of 480,000 units and no income was reinvested.
Units left for subscription = 1,000,000 units - 480,000 units = 520,000 units

Example 2: If an account has a capital of 480,000 units and income reinvested was 20,000 units.
Units left for subscription = 1,000,000 units - (480,000 units + 20,000 units) = 500,000 units

1. Menara Prisma, Putrajaya
2. PJ33, Petaling Jaya
3. Menara 1 Dutamas, Kuala Lumpur
4. CP Tower, Petaling Jaya
5. LF Logistic Warehouse, Shah Alam
6. Wisma Consplant, Subang Jaya
7. Lotus’s Setia Alam, Shah Alam
8. Avisena Specialist Hospital, Shah Alam
9. Dataran PHB Properties, Shah Alam
10. Block C Dataran PHB, Shah Alam
11. Menara BT Bangsar South, Kuala Lumpur
12. One Precinct, Pulau Pinang
13. The Shore Shopping Mall, Melaka
14. Menara 1 Sentrum, Kuala Lumpur
15. NU Sentral Shopping Centre, Kuala Lumpur
16. Gleneagles Hospital (Block B), Kuala Lumpur
17. Quill 18, Cyberjaya
18. Menara Teras, Damansara
19. NU Empire Shopping Gallery, Subang Jaya
20. Damansara Specialist Hospital 2, Kuala Lumpur
21. Marlborough College, Johor
22. Menara BPNB Plaza Conlay, Kuala Lumpur