Takaful Wanita - MAA

Fund Options
You have the option of choosing any of the following MAA Takaful Shariah Funds which best suit your investment objective and
risk tolerance level:
a. MAA Takaful Shariah Growth Fund
• It provides a capital growth over medium to long-term investment through predominantly invested in Shariah-compliant
equities and equity related securities. A part of the fund will be invested in Islamic debt securities and short-term Islamic
money market instruments.
• It suits for high-risk investors who are looking for a high growth potential.
b. MAA Takaful Shariah Balanced Fund
• It provides a balanced mix of income returns, as well as capital growth over medium to long term investment through a
diversified portfolio of Shariah-compliant securities, predominantly Malaysian equities, Islamic debt securities and shortterm
Islamic money market.
• It suits for moderate to high-risk investors who prefer a higher-than-deposits return generated from dividend yield Shariahcompliant
equities and fixed income instruments.
c. MAA Takaful Shariah Income Fund
• It provides a steady capital growth at rates higher than average fixed deposit rates over medium to long-term period through
primarily invest in Islamic debt securities and short-term Islamic money market instruments. A small portion will be invested
in dividend yield Shariah-compliant equities.
• It suits for low to moderate-risk investors who seek a consistent and stable income distribution from Shariah-compliant fixed
income instruments such as Sukuk.
d. MAA Takaful Shariah Flexi Fund
• It aims to provide a positive return over medium to long-term investment period, given the flexibility of the asset allocation.
• It suits for moderate to high-risk investors who prefer a stable investment returns and potential for medium to long-term
capital appreciation.
Takafulink Wanita Fees and Charges
Tabarru’
: Based on age, rating (if any) and Basic Sum Covered.
Certificate Fee
: RM5 per month.
Switching Fee
: One free switching is allowed each certificate year. Subsequent switching will be subject to a fee
of RM50 per transaction.
Reinstatement Fee
: RM50.
Wakalah Fee Irregular Top-Up : 5% of the Irregular Top-Up amount.
Service Fee Irregular Top-Up : RM25 for every Irregular Top-Up.
*The allocated 95% of Total Irregular Top-Up minus RM25 is available for investment in the
Participant Investment Account (PIA).
Wakalah Tharawat Fee : 1% - 1.5% per annum, determined based on the weighted (Fund Management Fee) average of
total gross assets of each MAA Takaful Shariah Funds.
Partial Withdrawal Charge : RM50 per withdrawal.
Surrender Charge
: NIL.