Stop Guessing With Your Savings. Hinder the scammers. Start Building a System-Driven Portfolio.
How To Grow Your Wealth And Beat Inflation With A 'Set-It-And-Forget' Automated Investment.
- Discover the simple RM 150/month strategy that everyday Malaysians are using to build long-term capital growth without staring at the stock market all day.
- Discover a premier Shariah-compliant fund that has delivered a proven 163.02% total return over the last 10 years (as of 30 August 2025)
- Accelerate your wealth creation with a 100% tax-FREE portfolio—keep every single cent of your annual distributions legally exempted from Malaysian income tax so your money compounds faster.
AUTOMATE MY SAVINGS TODAY
I am a licensed Unit Trust Consultant under PMB Investment Berhad. My FIMM Code is F01085358.
Who is pmb investment?
PMB Investment (19930100102) is an Islamic Fund Management Company (IFMC), regulated under Securities Commission Malaysia.
Stated below is our corporate structure.
Testimonies and awards
The "Save What's Left" Strategy Is Broken...
INFLATION IS THE ENEMY
Let’s face the reality of 2026. Everything from groceries to housing is getting more expensive. If you are waiting until the end of the month to "save whatever is left," you already know the truth: there is rarely anything left.
Relying solely on your EPF or pension might not be enough to secure a comfortable retirement, and leaving cash in a standard savings account means you are secretly losing money to inflation every single year. You don't need to be wealthy to fix this. You just need a system.
AUTOPILOT SYSTEM IS YOUR FRIENDS
Imagine waking up on a Monday morning, sipping your coffee, and knowing your wealth is growing on autopilot. You aren't constantly checking your phone to look at red and green market charts. You aren't stressing over the price of groceries. Instead, you have absolute peace of mind, knowing your money is safely locked into a system that works harder than you do.
You have spent years working for your money—isn’t it time your money started working for you?
I know that taking the first step into investing can feel like a test you didn't study for. But you don't have to do this alone. Let’s skip the jargon and have a real conversation about how an automated RM 150/month system can fit into your life. No pressure, no 'sales talk'—just a clear plan for your future.
Click below to start now and let’s see if this system is the right fit for you and your family."
I am a licensed Unit Trust Consultant under PMB Investment Berhad. My FIMM Code is F01085358
Introducing The 2 best FundS
PMB Shariah Equity Fund
The secret to building real wealth isn't timing the market; it's time in the market. The PMB Shariah Equity Fund is a premier Growth & Income fund managed by PMB Investment Berhad.
Instead of you trying to pick winning stocks, a team of professional fund managers invests strictly in high-growth, Shariah-compliant companies listed on Bursa Malaysia—specifically targeting companies with strong growth prospects and high dividend yields (3.0% per annum or above).
Why Choose This Fund?
✅ 100% Shariah-Compliant: Peace of mind knowing your money is invested ethically, strictly avoiding non-halal sectors.
✅ Proven Track Record: An impressive total return of 163.02% over the last 10 years (As of 30 August 2025). Past performance is not indicative of future performance, but consistency matters.
✅ Multi-Award Winning Performance: You are not just investing in any fund; you are putting your money into a recognized industry leader. The PMB Shariah Equity Fund is a proven powerhouse, securing multiple prestigious Lipper Fund Awards (2023 and 2024). It dominated its category by winning the "Malaysia Islamic Fund Award" and the "Malaysia Pension Fund Award" for the Best Equity Malaysia Diversified (3 & 5 Years). This independent recognition proves the fund manager's consistent ability to navigate the market safely and deliver top-tier results for investors.
✅ Hands-Off Management: Professional managers dynamically shift allocations (up to 99.5% in equities during bull markets, or moving to defensive Islamic deposits during market downturns) to optimize your returns.
✅ Annual Income Distribution: The fund aims to distribute income annually (like the 2.00 sen per unit distributed in FY2025), which you can automatically reinvest to compound your wealth faster.
1. This picture is taken from PMB Equity Fund Product Highlight Sheet (PHS) page 5. The link is here.
2. Disclaimer: Investors are advised to read and understand the contents of the Prospectus and Product Highlights Sheet (PHS) before investing. Among others, investors should consider the fees and charges involved. The price of units and distributions payable, may go down as well as up. Past performance of the fund should not be taken as indicative of its future performance.
AMANAH SAHAM MARA
Amanah Saham MARA, formerly known as the PMB Shariah Tactical Fund, is a Shariah-compliant mixed asset fund managed by PMB Investment Berhad. Designed with a focus on both growth and income, the fund's primary investment objective is to achieve capital growth over a medium to long-term period by strategically investing in a diversified portfolio that strictly adheres to Shariah principles..
Why Choose This Fund?
✅ 100% Shariah-Compliant: Peace of mind knowing your money is invested ethically, strictly avoiding non-halal sectors.
✅ Total Market Defense and Maximum Growth: During a market crash or severe economic downturn, the professional fund managers can legally move up to 100% of your money into safe cash (Islamic deposits and money market instruments) to protect your capital. When the stock market is booming, the managers can shift up to 100% of the fund back into high-growth, Shariah-compliant equities to maximize your returns.
✅ 10-Year Growth: An impressive total return of 57.85% over the 10-year period ending 31 December 2025 (crushing its benchmark of 30.18%).
✅ Annual Passive Income: The fund aims to distribute income annually. For the 2025 financial year, it declared a gross/net distribution of 4.00 sen per unit, which you can automatically reinvest to compound your wealth faster!
(Disclaimer: Past performance is not an indication of future performance).
1. This picture is taken from Amanah Saham MARA Product Highlight Sheet page 5. The link is here.
2. Disclaimer: Investors are advised to read and understand the contents of the Prospectus and Product Highlights Sheet (PHS) before investing. Among others, investors should consider the fees and charges involved. The price of units and distributions payable, may go down as well as up. Past performance of the fund should not be taken as indicative of its future performance.
The 'Pay Yourself First' Auto Debit System
You don't need RM 100,000 to start. The smartest investors automate their success. While you can open an account with an incredibly low minimum of just RM 150, the most successful investors set up a Direct Debit Authorization (Auto Debit). You will have a system where you invest before you spend.
Here is the simple 3-step blueprint:
Commit to RM 150/month: We set up a seamless standing instruction from your bank account.
Ringgit-Cost Averaging: When the market is high, your RM 150 buys fewer units. When the market is down, your RM 150 buys more units on sale. Over time, this lowers your average cost.
Compound Growth: Sit back and let the professional managers do the heavy lifting while your portfolio grows year after year. Investment in Unit Trust Fund need your patience at least 3 Years and above.
What is Ringgit Cost Averaging (RCA)?
Ringgit Cost Averaging is a strategy where you invest a fixed amount of money at regular intervals (like RM 150 every single month), regardless of what the stock market is doing.
If the market is up, your RM 150 buys fewer units.
If the market is down, your RM 150 goes on a shopping spree and buys more units on sale.
When the market is green, your portfolio value goes up. When the market is red, you smile because you know your monthly auto-debit is buying high-quality units at a steep discount. You win either way.
By automating this process, you completely remove human emotion from investing. You stop trying to "time" the market and instead let "time in" the market do the heavy lifting.
With RCA, you don't need to guess. You capture the average growth of the market automatically over the medium to long term.
By forcing an automatic deduction from your bank account every month, you prioritize your future self before you can spend the money on liabilities. The "perfect time" to invest does not exist.
The longer you wait on the sidelines with your cash in a saving bank account, the more money you lose to inflation. The strategy remains the same: Automate Your Success in Accumulating Wealth.
Who Is This FOR?
This investment is PERFECT for you if:
✅ You have a medium risk tolerance.
✅ You have a medium-to-long-term (3 years and more) investment horizon.
✅ You want a fund manager who actively protects your money during bad economies.
✅ You can walk through together with me explaining the ringgit cost averaging method and profit-taken strategy as often as needed.
Who Is This NOT For?
This investment is NOT for you if:
✅ You have a very low risk tolerance and at the same time want high return of investment .
✅ You have a short term (less than 3 Years) investment horizon.
✅ You want to directly handle your own investment.
✅ You have a huge tendency of buying when the market is at its peak out of greed, and panic-selling when it drops out of fear.
The 8 Wealth Myths Keeping You Stuck (And the Truth About Growing Your Money)
These are the common myths when it come to investing in Unit Trust.
1. I'm scared of losing my hard-earned money
This is the most natural human instinct. Most people equate "Investing" with "Gambling." Unit Trusts aren't about gambling; they are managed by professional Fund Manager through diversification.
2. Am I being overcharged? Will the fees eat my investment?
That's a fair point. The management fee pays for constant, active management—research, trading, and monitoring—to help your fund outperform a basic benchmark over the long run. When you’ve settled the fees, your future profits, dividends, and capital gains are yours to keep.
3. The market is too volatile right now; I'll wait until things are stable.
Waiting for stability is what causes investors to miss opportunities. No one can perfectly time the market. The best time to invest is often when prices are lower due to volatility. We recommend a Ringgit-Cost Averaging (RCA) strategy to mitigate timing risk—start small now and invest consistently.
4. This sounds too complicated for me. I don't understand the jargon.
A Unit Trust is simply a basket where many investors pool their money to buy a giant collection of stocks/bonds they couldn't afford individually. It’s the "Wholesale Shopping" of the financial world.
5. Unit trusts are too risky; I prefer fixed deposits.
Risk is relative to your goal. While fixed deposits guarantee capital, they often fail to beat inflation, meaning you lose real purchasing power. Unit trusts manage risk through diversification.
6. I need to check with my spouse/partner/parents
That is crucial; this is a joint financial decision. I can put together a concise summary sheet of the key features and benefits that you can review with them.
7. I don't have enough spare cash to invest right now.
Investing doesn't have to start with a large lump sum. We have investment plans that start with as little as RM 150 a months. It’s about building the system and habit first.
8. I don't have the time horizon for this.
Let's be precise about your needs. If your goal is short-term (under 3 years), we shouldn't use an equity fund. But if your money is needed after three years and more, this product is an ideal one.
About me
My name is Hazwan Othman. I am an Islamic Financial Marketing Representative under ASWA Advisory Sdn Bhd and I am a licensed Unit Trust Consultant under PMB Investment since 2025. My FIMM Code is F01085358.
You may search my code at this website for further clarification: https://fcs.fimm.com.my/publics#nav-cons.
For 17 years, I've stood in front of classrooms as an English teacher, breaking down complex ideas to build confidence in my students. Today, my mission is the same—but my students are invidual like yours, and the subject is your financial future.
I don't just teach this; I live it. I am actively using these exact 'Set-It-And-Forget' strategies to reach my own goal of retiring from teaching to become a full-time Unit Trust Consultant within the next five years.
When I am not helping clients secure their portfolios, I am usually out at my farm in Negeri Sembilan tending to my beekeeping project. I've learned that building wealth is exactly like tending a hive: it requires patience, a proven system, and letting nature (or the market) compound your efforts over time.
I’m not just an advisor; I’m a guide committed to your financial education.
An income isn't built in a day, and neither is wealth. It takes a proven system and the patience to let the Fund Manager do his work.
Whether you’re looking to beat inflation or build a legacy for your children, the best time to start tending your 'financial target' was yesterday. The second best time is right now. Let’s chat about how we can set your portfolio on autopilot today so you can enjoy the profit tomorrow.
Click the button below to message me directly on WhatsApp. I’m ready when you are.
I am a licensed Unit Trust Consultant under PMB Investment Berhad. My FIMM Code is F01085358
General Warning: Investors are advised to read and understand the contents of the Master Prospectus, any Supplemental Prospectus (if any), and the Product Highlights Sheet (PHS) before investing. These documents have been registered with the Securities Commission Malaysia (SC), who takes no responsibility for its contents. Registration does not indicate that the SC recommends the investment or assumes responsibility for the correctness of any statement made.
Risk Disclosure: Investing in unit trust funds involves risks, including market risk, manager risk, and liquidity risk. The price of units and any distributions payable may go down as well as up. Past performance of a fund is not an indication of its future performance.
Non-Review Statement: The contents of this website and all promotional materials have not been reviewed by the Securities Commission Malaysia. However I try my best to adhere the rules laid by SC and FIMM in giving the information needed. Investment decisions should not be made solely based on the information provided here; you should consult with a professional advisor to ensure the suitability of any fund for your specific financial profile and risk tolerance.