INVEST

INVEST
We understand
that your wealth springs from
the planet’s own wealth
PRUlink GEMM resources fund
PRUlink GEMM resources fund (the “Fund”) participates in
the global growth potential of natural resources companies,
many of which are in the early stages of exploration. With
the word “GEMM” in its name deriving from Gold, Energy,
Metals and Mining, the Fund serves as an option for you to
diversify your investment portfolio.
Objective of the Fund
The investment objective of the PRUlink GEMM resources
fund is to provide long-term capital growth by investing
primarily in natural resources companies, globally.
Why invest in the Fund?
Supply vs Demand
The world’s currently available resources are depleting
quickly – and this structural imbalance in supply and demand
remains unchanged even after the financial crisis. Moreover,
the quality of newly unearthed resources (e.g. the grades
of copper and gold) is declining; and new technologies
and exploration techniques will be required to sustain the
current level of demand. This will drive the long term prices
of natural resources even higher1.
Development of Emerging Markets
In addition, global natural resources will enjoy the most
direct benefits from the recovery of emerging and developed
markets. China, in particular, is currently the world’s second
largest consumer of oil – and its biggest consumer of various
metals1.
What’s more, as other emerging markets experience
economic recovery and invest in new infrastructure projects,
it is expected that the global re-stocking of natural resources
will continue apace1.
As shown in the following chart, massive spending on
the huge infrastructure projects of emerging markets will
continue to fuel the demand for natural resources.
Emerging Markets Infrastructure Spending Backed by expertise you can trust You can invest in the PRUlink GEMM resources fund by Footnotes:
USD bn
Prudential Asset Management (Singapore) Ltd. is one of purchasing any of the following Prudential Investment
1
Source: JPMorgan Funds (Asia) Limited, January 2010.
2000
Singapore’s largest fund managers. The company has Linked Plans (ILPs):
2
Source: PAM Singapore, as on 30 September 2009.
Middle East
1800 Latin America
3
Source: JPMorgan Funds (Asia) Limited, as on 31 December 2009. About Prudential Assurance Company
Eastern Europe
approximately S$57.96 billion of funds under management, • PRUlink Protection Account 4
We reserve the right to vary the Continuing Investment Charge and
1600
around S$45.9 billion of which are discretionary funds Singapore (Pte) Ltd
1400
Asia
Africa
managed in Singapore2.
• PRUlink SuperSaver Account may increase it up to a maximum of 2% of bid price per annum, but
will not do so before giving investors 6 months’ written notice. Prudential Singapore is one of the top life insurance
1200
• PRUlink SuperGrowth Account
1000
Notes: companies in Singapore and is a wholly owned subsidiary
800 JPMorgan Asset Management UK Limited (JPMAM) is one • PRUlink Premier Saver Account
of UK-based Prudential plc. As one of the market leaders
of the largest managers in the natural resources sector, and Buying a life insurance policy is a long-term commitment. An early
600
termination of the policy usually involves high costs and the surrender in investment-linked plans, Prudential Singapore has over
has a total of US$2.34 billion in Assets Under Management The premiums you pay for your chosen ILP will be used to buy
400
value payable may be less than the total premiums paid. S$6.6 billion funds under management as at 30 June 2009.
200 (AUM), as at 31 December 20093. The company adopts a long insurance protection and investment units in professionally-
Details (including fees and charges, and specific risks) of the Fund may With the dedicated team of approximately 3,800 financial
0 term, unique investment approach to delivering competitive managed investment linked funds. be found in the Fund Information Booklet.
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
consultants and over 600 employees, Prudential Singapore
returns, and it thoroughly researches every company it invests
Source: Morgan Stanley Research, World Bank, Global Insight. Morgan Stanley Research Estimates Past performances of the Fund, the Underlying Fund, the Manager and has been serving the needs of more than 600,000
June 2009 in – and has a strong, proven long-standing track record. the Investment Manager are not necessarily indicative of the future or
policyholders with over 1.2 million policies for almost 80
Opportunity is just a phone call away! likely performance of the Fund, the Underlying Fund, the Manager and
the Investment Manager. A copy of the Fund Information Booklet in years in Singapore.
Proven track record JPMAM launched the Underlying Fund back in 1965, and
has retained the same team on it since 1992. This gives the relation to this Fund may be obtained from your Prudential Financial
The Underlying Fund – JPMorgan Funds–Global Natural Call your Prudential Financial Consultant or our Consultant. You are advised to read the Fund Information Booklet
company unmatched knowledge and insight when investing
Resources Fund – has had a proven track record since 1999. PruCustomer Line at 1800 333 0 333 today. Or visit before deciding whether to subscribe for units in this Fund.
in this complicated sector.
www.prudential.com.sg The predictions, projections, or forecasts on the economy, securities
JPM long term track record in markets or the economic trends of the markets targeted by the Fund
For whom is the Fund suitable? are not necessarily indicative of the future or likely performance of
Global Natural Resources (1999 to 2009) The Fund will fit the needs of investors looking for potential the Fund. Any opinion, management forecast or estimate contained
130%
JPM Natural Resources Fund A share class (acc) long-term capital appreciation. General Risks: in this presentation is based on information available as on the date
110% Hsbc Gold Mining & Energy Total Return Net of this presentation and reflects prevailing conditions and views as on
Investors should be aware that the price of units in the Fund, and the
90% the date of this presentation, all of which are subject to change at any
70%
income from them, may fall or rise and investors may not get back their time without notice.
Fund details original investment. Generally, some of the risk factors that should be
50%
considered are liquidity and repatriation risks. The default in payment This brochure is published for information purposes only, without regard
30%
by an issuer of any instrument held by the respective Underlying Fund to the specific investment objectives, financial situation and particular
10% Launch Period 20 January 2010 – 19 February 2010 needs of any specific person and should not be construed as advice
may affect the Underlying Fund’s ability to meet its payment obligations
-10% Initial Issue Price S$1.00
to the Fund. or recommendation to invest in the Fund. You may wish to consult
-30% Fund Manager Prudential Asset Management your Prudential Financial Consultant before making a commitment to
(Singapore) Limited The Fund may invest on a limited basis in areas which are not naturally purchase the Fund and insurance product. In the event that you choose
-50%
Investment Manager of JPMorgan Asset Management
associated with the name of the Fund. not to consult a Prudential Financial Consultant, you should consider
-70%
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 the Underlying Fund (UK) Limited Since this Singapore Dollar denominated Fund will invest in Underlying whether the Fund and insurance product in question is suitable for you.
Benchmark HSBC Gold, Mining & Energy Index Funds that are denominated in US Dollars, fluctuations in the exchange Units in the Fund are not available to US persons.
Source: JPMAM – JPM Natural Resources Fund. Performance as on 30/11/09, share class A (acc)
(Total Return Net) rate between the Singapore Dollar and the US Dollar may have an PAM Singapore and Prudential Assurance Company Singapore (Pte)
PRUlink GEMM resources fund feeds100% into JPM Global Natural Resources Equity C
Risk Classification Higher Risk, Narrowly Focused impact on the income and value of the Fund. Limited (PACS) are, ultimately, wholly owned subsidiaries of Prudential
(acc) - USD Share Class
Initial Sales Charge 5%* of premium invested The above should not be considered to be an exhaustive list of risks. plc of the United Kingdom. PAM Singapore, PACS and Prudential plc are
Past performance of JPMorgan, the Fund and the Underlying Fund Continuing Investment Charge 1.5% p.a. of bid price4 Investors should, therefore, refer to the Fund Information Booklet for not affiliated in any manner with Prudential Financial, Inc., a company
whose principal place of business is in the United States of America.
is not necessarily a guide to the future and likely performance of more information on the risks of investing in the Fund.
Subscription Method Cash and Supplementary Prudential Assurance Company Singapore (Pte) Limited.
JPMorgan, the Fund and the Underlying Fund. Retirement Scheme (SRS) In case of discrepancy between the English and Mandarin versions of this (Reg. No. 199002477Z)
brochure, the English version shall prevail. 30 Cecil Street #30-01 Prudential Tower
* Please refer to the relevant Product Summary for details of charges incurred on your Singapore 049712
plan as charges may vary from product to product and may be lower than 5%. Information correct as on 20 January 2010. Tel: 1800 333 0 333 Fax: 6734 6953
Part of Prudential plc
理 理
想 想
投 投
资 保 诚 GEMM天 然 资 源 基 金 (PRUlink GEMM Resources Fund) 如下图所示，新兴市场大型基础设施项目规模庞大的 由您所信赖的基金管理专家提供支持 通过购买下列任何保诚投资联结计划(ILP)，您即可投资于 备注： 资
( 基金”) 所投资的是具有增长潜能的全球天然资源公司，
“ 支出，将继续推动对天然资源的需求。 保诚资产管理（新加坡）有限公司是新加坡规模最大的基金 保诚GEMM天然资源基金(PRUlink GEMM Resources Fund)： 1
资料来源:摩根富林明基金（亚洲）有限公司，2010年1月。
这些公司当中有许多正处于初期勘探阶段。基金名称中的 新兴市场基础设施支出 经理之一。公司负责管理的资产总值达约579.6亿新元，其 2
资料来源: 新加坡保诚资产管理，截至2009年9月30日。 关于保诚保险新加坡
• 保诚保障户头
GEMM 代表了黄金(Gold)、能源(Energy)、金属(Metals)
我们深切了解 十亿美元 中大约459亿新元为在新加坡管理的自主基金 。 2
3
资料来源: 摩根富林明基金
（亚洲）
有限公司，截至2009年 保诚保险新加坡是英国保诚集团的全资子公司，是新加坡
和 矿 业 ( Mining) ，说 明 了 该 基 金 是 帮 助 您 分 散 投 资 的
2000 • 保诚超级储蓄户头
地球的宝贵资源是 1800
中东
拉丁美洲
12月31日 首屈 一 指 的 人 寿 保 险 公 司 。 身 为 投 资 联 结 计 划 的 市 场
最佳方法。 东欧 摩根富林明资产管理（英国）有限公司(JPMAM)是天然资源 • 保诚超级增长户头 4
我们有权调整此后续管理费，但以每年买价的2%为顶限。 领导，保诚保险新加坡所管理的资金截至2009年6月30日
您丰厚的财富来源 1600
1400
亚洲
非洲 领域规模最大的基金经理之一，截至2009年12月31日的资 在调整之前，我们将会给予投资者6个月的书面通知。 已达66亿。保诚保险新加坡在新加坡已有将近80年的历史，
1200 • 保诚优质储蓄户头
基金的目标 产管理规模(AUM)总值23.4亿美元 。公司采用独特的长线3
拥有约3,800名财务顾问和600多个职员，用心聆听，全力服
保诚GEMM 天然资源基金 保诚 GEMM 天然资源基金的投资目标，是通过主要投资于
1000
800 投资方式来取得具竞争力的回报，它也对所投资的每家公司
注：
务超过60万名保险客户，保单总量已逾120万张。
您为您选择的投资联结计划所支付的保费，将被用于购买 购买人寿保险是一项长期投资。提前终止保单通常得付出高
全球的天然资源公司，提供长期的资本增长。 600
进行透彻的研究，并具有强劲、经证实的长期表现记录。
400 保险保障及以专业方式进行管理的投资联结基金中的投资 代价，而取回的现金价值或比已缴付的总保费额低。
200
为什么要投资于本基金？ 单位。 投资详情（包括各种收费及具体风险）载于基金说明书。
0
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 摩根富林明资产管理在1965年发行标的基金，且管理团队
供应与需求 本基金、标的基金、基金经理和投资经理以往的表现未必可
资料来源：Morgan Stanley Research、世界银行、Global Insight. Morgan Stanley Research 的阵容从1992年至今一直保持不变。这使得公司在投资于
目前全世界可取得的资源正在以非常快的速度耗尽，而这 预计数字2009年6月 作为本基金、标的基金、基金经理及投资经理未来或可能取
这个复杂的领域方面，具有无可比拟的知识和洞察力。 机会只有一通电话之遥!
种供需不平衡的情况，即使是在金融危机之后也不会 得的表现之指标。您可向保诚财务顾问索取本基金相关的基
杰出的表现记录 金说明书。在决定认购本基金单位之前，您应当详阅此基金说
改变。而且，新开采的资源质量（如铜和黄金的等级）正
标的基金 – 摩根富林明基金 – 全球天然资源基金从1999年 本基金适合谁投资？ 请联系您的保诚财务顾问或拨 明书。
在下降；而为了满足目前的需求水平，业界必须采用新的
至今取得了杰出的表现记录。 本基金适合寻找潜在长期资本增值的投资者。 保 诚 顾 客 热 线 1800 333 0 333 查 询。 任何对经济、证券市场或这些市场的经济走势所作的预测 、
科技和勘探技术。这将推动天然资源的长期价格上升到更
或 浏 览 www.prudential.com.sg 预估或预报，未必可作为本基金未来或可能取得的表现之
高的水平1。 摩根富林明全球天然资源的
指标。本简介小册所含的任何意见、基金经理的预测或
长 期 表 现 记 录( 1 9 9 9 到 2 0 0 9 )
130%
基金详情 估计，是基于截至本简介小册印发时可供使用的资料，并反
新兴市场的发展 摩根富林明天然资源基金A股类别
（累计）
映了当前的情况。我们随时可能改变截至本简介小册印发日
110% 汇丰黄金、矿业与能源总回报净额
发行期间 2010 年 1月20日 – 2010 年2月19日 一般风险:
此外，新兴市场和发达国家市场的复苏，将使全球天然 90% 期所持的全部观点，而不另行通知。
70%
投资者应该了解，基金单位价格及其收入可升可降，投资
资源直接受益。其中以目前多种金属的使用量居世界之首 ， 首次发行价 S$1 .0 0
本简介小册仅为提供信息而印行，未考虑任何特定人士的具
50% 者可能无法取回其原本的投资金额。一般上，所应考虑
及石油的使用量居世界第二位的中国最受瞩目 1。 基金经理 保诚资产 管理（新加坡）有限公司 体投资目标、财务状况及特定需要，并不可被当成投资本基
30% 的一些风险因素为流动性和利润汇回风险。个别标的基金
10% 金的意见或推荐。在决定购买本产品之前，您或应征询保诚
标的基金的投资经理 摩根富林明资产管理（英国）有限公司 所持有的任何投资工具之发行商若违约拒付，将可能影响
而且 ，随着 其 它 新 兴 市 场 国 家 的 经 济 复 苏，并开始投资 -10% 财务顾问之意见。如果您选择不征询保诚财务顾问之意见，
标的基金履行基金付款义务的能力。
-30%
基 准 汇丰黄金、矿业与能源指数（总回报净额） 则应考虑本基金和保险产品对您是否合适。本基金单位不供
于新的基础设施项目，对天然资源的存储也将加速 1。 -50%
基金可能有限的投资于与本基金名称没有自然关联的领域。 美国公民投资。
-70% 风险级别 高风险，集中投资
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
由于本新元计价基金将投资于美元计价的标的基金，新元 新加坡保诚资产管理及新加坡保诚保险(PACS)为英国保诚
资料来源：摩根富林明资产管理 – 摩根富林明天然资源基金。截至 30/11/09 的表现 ， 最初销售费 所投资保 费的5%* 和美元之间汇率的波动，可能会影响基金的收入和价值。 集团的全资子公司。新加坡保诚资产管理、新加坡保诚保险
A股类别（累计）. 及英国保诚集团与一家主要在美国营运的Prudential Financial,
后续管理费 每年为买 价的1.5% 4 以上并非风险的完整列表。投资者应参阅基金说明书，
保诚GEMM天然资源基金100%流入摩根富林明全球天然资源股票C（累计） Inc. 并无任何关联。
美元股份类别摩根富林明、本基金和标的基金以往的表现未必可作为摩根富林明、
本基金和标的基金未来或可能取得的表现之指标。 认购方式 现金和退休辅助计划 (SRS) 以了解有关投资于该基金所具有之风险的更多信息。
若中、英文版简介小册之间出现任何具争论性的差异，一切
摩根富林明、本基金和标的基金以往的表现未必可作为摩根富林明、本基金和标的
基金未来或可能取得的表现之指标。
将以英文版为准。
*
收费因产品而异，并可能低于5%。欲知您的计划的实际收费，请参阅有关产品简介。
本文件之资料截至2010年1月20日为止正确无误。