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Objective
To provide medium to long term capital appreciation for Investors with aggressive risk profile.

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Prospectus (P)	Product Kit (English)	Product Kit (Chinese)	Fund Fact Sheet (FF)	Annual Report (AR)	Interim Report (IR)
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Fund Information
Fund Category	Equity Fund
Fund Type	Growth
Launch Date	29 September 2009
Investment Objective	To provide medium to long term capital appreciation for Investors with aggressive risk profile.
Asset Allocation	Maximum 100% of the Fund’s NAV in collective investment schemes. Maximum 20% of the Fund’s NAV in other securities such as listed securities and structured products. The Funds will hold sufficient cash and cash equivalents for liquidity purposes.
Investment Strategy	The HwangDBS Global Allocation Fund Series will seek to gain exposure to various Asset Types such as equities, bonds, money markets, commodity and real estate through investing primarily in exchange traded funds (ETF). If a Fund is unable to obtain exposure to a particular underlying Asset Type via ETF due to, for instance, geographical reasons or regulatory restrictions, the Fund may use financial instruments such as structured products (e.g. ETN) to gain access. The common objective for the utilisation of ETFs and ETNs is to provide a cost-efficient and diversified global asset allocation portfolio to access the various underlying Asset Types. The current investment strategy of the Funds is to allocate investments amongst the following underlying Asset Types via ETFs and/or ETNs: (i) Money Markets (ii) Bonds (iii) Equities (iv) Real Estate (v) Commodity. The Funds shall not be exposed to securities or Asset Types that are not permitted under the Guidelines. The main difference between the HwangDBS Global Growth Allocation Fund and HwangDBS Global Balanced Allocation Fund lies in the portfolio construction according to the two different risk profiles of Investors. Being a more moderate Fund, HwangDBS Global Balanced Allocation Fund’s investments are structured to have less risky Asset Types. This may be achieved by having a higher concentration of investments with underlying assets in global bonds and/or money market and short term treasury instruments as compared to HwangDBS Global Growth Allocation Fund which may have a higher concentration of securities of investments with equities as its underlying assets. The broad Asset Type allocation strategy for the underlying investments of the ETFs and/or ETNs for both Funds is as follows:Asset Types - Equities (70-100%), Fixed income/bonds/ money markets (0-10%) and Others e.g. real estate, commodity (0-25%). The actual Asset Type allocation for the Fund will be determined by the External Manager and is subject to change from time to time based on the External Manager’s discretion and the range of exposure for each Asset Type as stated above. The External Manager, in their own discretion or under the direction of the Management Company may take temporary defensive positions that may be inconsistent with the Fund’s principal strategy, and thus its asset allocation, in attempting to respond to adverse market conditions, economic, political or any other conditions. In this instance, the Fund may hold only cash and/or other permitted investments including cash equivalents such as short-term fixed income instruments, commercial papers.
Investors' Profile	Ideally this Fund is suitable for investors who have a medium to long term investment horizon, are risk tolerant and are seeking capital growth for their investments.
Distribution Policy	Incidental

Fees & Charges
Sales Charge per unit	Up to 3.00% of the NAV per Unit.
Annual Management Fee	1.20% per annum of the NAV of the Fund.
Trustee Fee / Custodian fee	0.08% per annum of the NAV of the Fund(s), subject to a minimum of RM18,000 per annum (excluding foreign custodian fees and charges).
Switching Fee	Manager may impose a fee equivalent to the redemption fee if an investor switches to any other funds managed by the Manager within the first six (6) months from the date of investment. Otherwise, no switching fee will be charged.
Performance Fee and Hurdle Value	Nil
Redemption Fee	Up to 1.00% of the NAV per Unit redeemed within the first six (6) months from the date of investment by the Unit Holders.

Transaction Details
Minimum Initial Investment	RM1000
Minimum Units Held	2000 units
Minimum Additional Investment	RM100
Cooling-off Period	For qualified Investors, within six (6) Business Days from the day the initial application for Units is received by the Manager.
Period of Payment of Redemption Proceeds	Within ten (10) days from the day the repurchase request is received by the Manager.

Past earnings or the fund’s distribution record is not a guarantee or reflection of the funds’ future earnings/future distribution.
Unit prices and distributions payable, if any may go down as well as up.
Prospective Unit Holders should read and understand the contents of the Prospectus and, if necessary, should consult their adviser(s).
There are fees and charges involved and investors are advised to consider the fees and charges before investing in the fund.