Understanding Performance Indicators

The performance of funds may be presented within the time frame of a calendar year (which facilitates the universal comparisons of funds), and/or by its financial periods. Irrespective of the time period chosen, the total returns would reflect fairly the returns of funds during each chosen period. This is because the total returns of a fund represent the rate that an investor would have earned or lost each year on an investment in a fund and is computed after taking into account the adjustments for unit splits and gross distributions received during the period under review. Gross distributions comprise of dividends received, interests/profits earned and capital gains on disposal of securities. The Net Asset Value of the units is usually used in performance computation. Performance benchmarks used in comparing the performance of the unit trust fund should be relevant, appropriate and consistent. For example, a general equity fund which invests in large capitalisation stocks can be benchmarked against the Kuala Lumpur Composite Index whilst a general Islamic equity fund can be benchmarked against the FTSE Bursa Malaysia EMAS Shariah Index. Frequently, the benchmarks that are publicly available do not directly reflect the underlying objective of the unit trust fund, hence making comparisons difficult. In evaluating returns, investors must be aware that past performance of the unit trust fund is not a guarantee or reflection of the fund’s future performance. Investors should also note that the price of units and distributions payable, if any, may go down as well as up.

The following are the benchmarks which can be used to measure the performance of the funds under our management as published in their respective prospectuses:

Fund Name	Benchmarks
OSK-UOB Equity Trust	70% Kuala Lumpur Composite Index or such other equivalent index as may be substituted by Bursa Malaysia Securities Berhad 30% MSCI AC Asia Ex-Japan Index.
OSK-UOB Small Cap Opportunity Unit Trust	FBM Second Board Index
OSK-UOB KidSave Trust	50% Kuala Lumpur Composite Index or such other equivalent index as may be substituted by Bursa Malaysia Securities Berhad 50% 12-month KLIBOR.
KLCI Tracker Fund	Kuala Lumpur Composite Index (KLCI).
OSK-UOB Dana Islam	FTSE Bursa Malaysia EMAS Shariah Index.
OSK-UOB Income Fund	12-month fixed deposit rate by Maybank Berhad.
GrowthPath Today	80% 12-month fixed deposit rate by Maybank Berhad 20% FTSE Bursa Malaysia EMAS Index.
GrowthPath 2015	35% 12-month fixed deposit rate by Maybank Berhad 65% FTSE Bursa Malaysia EMAS Index.
GrowthPath 2025	25% 12-month fixed deposit rate by Maybank Berhad 75% FTSE Bursa Malaysia EMAS Index.
OSK-UOB Emerging Opportunity Unit Trust	70% FTSE Bursa Malaysia Second Board Index  30% FTSE Bursa Malaysia EMAS Index.
OSK-UOB Smart Treasure Fund	FTSE Bursa Malaysia EMAS Index.
OSK-UOB Smart Balanced Fund	50% FTSE Bursa Malaysia EMAS Index 50% 12-month fixed deposit rate by Maybank Berhad.
OSK-UOB Smart Income Fund	12-month fixed deposit rate by Maybank Berhad.
OSK-UOB Growth And Income Focus Trust	50% FTSE Bursa Malaysia Second Board Index  50% 12-month fixed deposit rate by Maybank Berhad
OSK-UOB Global Equity Yield Fund	MSCI AC World Free Index (MYR).
OSK-UOB Asia Pacific Fund	MSCI AC Asia Pacific Index.
OSK-UOB Money Market Fund	Interbank Overnight Deposit Rates as published by Bank Negara Malaysia.
OSK-UOB Global Allocation Fund	36% S & P 500 Composite 24% FTSE World (ex-US) 24% 5 Year US Treasury Note 16% Citigroup Non-USD World Government Bond Index
OSK-UOB Resources Fund	50% KL Plantation Index 25% MSCI All Countries Asia Pacific Energy Index 25% HSBC Global Mining Index.
OSK-UOB Capital Guaranteed BRIC Fund	12-month fixed deposit rate offered by Maybank.
OSK-UOB Global New Stars Fund	MSCI AC World Index.
OSK-UOB Muhibbah Income Fund	40% Dow Jones Islamic Market World Index 60% RAM QuantShop GII (medium term) Index.
OSK-UOB Golden Dragon Fund	50% MSCI Golden Dragon Index (MYR) 50% RAM qs MGS 3-7 (medium).
OSK-UOB Index Covered Fund	12-month fixed deposit rate offered by Maybank.
OSK-UOB Asian Real Estate Fund	MSCI AC Asia-ex Japan Real Estate (MYR).
OSK-UOB Thematic Growth Fund	8.00% growth per annum in Net Asset Value of a Unit over the medium to long term.
OSK-UOB Asia Active Allocation Fund	40% MSCI AC Far East Ex Japan Index 20% MSCI AC Asia Pacific ex Japan Small Cap Index 40% JP Morgan Asia Credit Index Total Return.
OSK-UOB Institutional Islamic Money Market Fund	Maybank 1 month General Investment Account (GIA) Tier 1 Rate.
OSK-UOB Big Cap China Enterprise Fund	MSCI China Index.
OSK-UOB Asian Growth Opportunities Fund	MSCI AC Asia Pacific ex Japan Small Cap Index (MYR).
OSK-UOB Malaysia Dividend Fund	FTSE Bursa Malaysia Emas Index.
OSK-UOB Capital Protected Gold-Linked Fund	12-month fixed deposit rate by Malayan Banking Berhad.
OSK-UOB Global Capital Fund	MSCI World Financials Index (MYR).
OSK-UOB Capital Protected Equity Fund	12-month fixed deposit rate by Malayan Banking Berhad.
OSK-UOB Income Alpha Fund	12-month fixed deposit rate by Malayan Banking Berhad.
OSK-UOB Cash Management Fund	Maybank Berhad - Savings Account Rate.
OSK-UOB Private Fund	Maybank Berhad - One Month Fixed Deposit Rate.