Unit Trust. Healthy wealth management

> In this age of instant everything, we often look for a quick fix to all issues, including our physical well-being or financial woes
By: Tan Beng Wah (Thu, 03 Mar 2011) 



BENJAMIN FRANKLIN, the famous American of the 18th century, was a diplomat, philosopher and inventor. Above all, he was fantastic at multi-tasking.Amazingly, this super-achiever was the one to coin the phrase: "Early to bed, early to rise makes a man, healthy, wealthy and wise." Franklin obviously had the foresight to recognise the causal link between health and wealth.
However, humans are creatures of contradictions. We know the "damage" caused by habits like smoking, over-eating and drinking, but many of us still continue to indulge in them. As these unhealthy habits eat into our financial and physical health, many of us justify our actions by saying that they help to relieve stress.
More often than not, we spend too much on things we do not need or cannot afford. This is evidenced by the fact that each day, 41 Malaysians on average become bankrupt due to credit card debts, and defaulting in repayments of car and housing loans.
The average person today between the age of 41 and 54 has savings of only around RM30,000. Some 14% of people in that age group have no savings at all.
How do we then achieve a balance between living a long life and being healthy, wealthy and wise?
In this modern age, we often look for a quick fix to all of life’s issues and vanity is a champion instigator of the quick-fix remedy. Despite the dangers of crash diets and slimming pills, many still believe that it will help them shed those extra kilos quickly.
But nothing can replace the good old prescription of regular exercise and a balanced and controlled diet to maintain a healthy figure.
Some would go in search of a miracle cure for beauty. They put themselves at risk of being permanently disfigured by paying money to reshape their bodies. Many men and women fall into these makeover traps to achieve super figures or look more youthful.
Similarly, despite the negative publicity on get-rich-quick schemes, many people are still gullible enough to fall prey to them.
It is important to realise that there is no quick fix to either attaining good health or accumulating wealth.
A healthy state of wealth can be achieved by regularly setting aside a portion of your income for investment. Use this knowledge to empower yourself to lead healthier lives and achieve a state of financial freedom.
If you are seeking total financial freedom through financial wealth management, you need to engage a professional financial planner to conduct a check on the health of your wealth.
Break out of your comfort zone and don’t wait for that life-changing moment before carrying out a health check on your wealth. The earlier you consult a professional financial planner, the better your chances are in achieving your financial goals.
A financial planner is, after all, a trained expert who can help you plan your short-and long-term financial needs. This is important as the processes take into account your needs, risk tolerance and life financial goals according to your investment time-frame.
For investments, financial planners use their knowledge to create a personalised wealth management plan with a diversified portfolio of investments within different asset classes, with the right proportion, based on your risk tolerance. They will continuously rebalance your portfolio and grow your investments to leverage the state of your wealth.
They can help you manage your investments according to your intentions, by helping to put into effect various financial instruments such as a will or trust document, to protect your interest.
Financial planners will also help you manage risks due to disability and illnesses in order to protect the interests of those who depend on you if you are no longer around or if you are disabled.
Do not expect your financial planner to work miracles. As with any holistic programme, when it comes to ensuring a constant healthy state of wealth, you still need to regularly feed your investments to see your wealth grow.
What your financial planner can do is help to ensure that the wealth you create is regularly invested so that you will achieve financial freedom eventually.
Ultimately, it boils down to moderation and balance. More people are now realising the importance of a balanced lifestyle to maintain good health.
Similarly, balance is also important when it comes to wealth management. Just as stress is not good for our health, neither is stress good for wealth management.
Call in a financial planner to take the stress out of balancing your portfolio and keeping your investments healthy.


Tan Beng Wah is the chief executive officer of CIMB Wealth Advisors Bhd (CWA) with more than 30 years of experience in the financial and IT services industries.


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Parah bil hospital

Parah bil hospital
Oleh Zuraidah Mohamed
zmohamed@bharian.com.my
2010/11/22

Ramai hutang kad kredit, bank untuk jelas kos perubatan swasta tinggi

KUALA LUMPUR: Penggunaan kad kredit atau pinjaman bank untuk membayar kos perubatan yang tinggi di hospital swasta kini menjadi punca utama kegagalan pembayaran balik pinjaman bank dan kad kredit oleh individu.

Mengikut Agensi Kaunseling dan Pengurusan Kredit (AKPK) penggunaan kad kredit tidak terkawal kini bukan lagi menjadi faktor utama bagi masalah kegagalan pembayaran balik pinjaman.

Sebaliknya, badan yang menguruskan RM4.8 bilion hutang tidak berbayar (NPL) membabitkan 50,361 individu itu mendapati pembiayaan kos rawatan dan perubatan yang tinggi ketika ini mendorong individu untuk berhutang sehingga di luar kemampuan.

Ketua Eksekutifnya, Mohamed Akwal Sultan, berkata kebanyakan individu yang dirujuk kepada Program Pengurusan Kredit (PPK) AKPK menjelaskan, mereka lebih cenderung mendapatkan perkhidmatan rawatan dan perubatan yang dikatakan lebih baik di hospital swasta berbanding di hospital kerajaan walaupun ia membabitkan kos besar.

“Setakat Oktober lalu, 26 peratus kegagalan pembayaran balik pinjaman langsung bank atau kad kredit yang dirujuk kepada AKPK adalah perbelanjaan perubatan tinggi disebabkan kos sara hidup semakin meningkat.

“Penggunaan kad kredit tidak terkawal tidak lagi menjadi faktor utama kegagalan seperti pada dua atau tiga tahun lalu,” katanya kepada Berita Harian.
Beliau berkata, selain kos perubatan tinggi, punca lain yang dirujuk kepada agensi itu ialah kelemahan pengurusan kewangan (25 peratus), kegagalan perniagaan (13 peratus), kehilangan pekerjaan (12 peratus), manakala dua peratus akibat kegagalan pelaburan.

Penggunaan kad kredit tidak terkawal pula, katanya, hanya mewakili 15 peratus.
Katanya, hampir 70 peratus kes gagal membayar balik pinjaman itu adalah membabitkan penggunaan kad kredit, manakala 30 peratus lagi pinjaman peribadi serta sewa beli.

Daripada RM4.8 bilion NPL yang diuruskan AKPK ketika ini, Mohamed Akwal berkata, RM2 bilion membabitkan pinjaman perumahan diikuti kad kredit (RM1.1 bilion) serta sewa beli sebanyak RM713 juta.

Katanya, jumlah itu membabitkan kira-kira 40 peratus daripada keseluruhan 135,805 individu yang datang ke AKPK untuk mendapatkan perkhidmatan kaunseling serta khidmat nasihat berhubung pengurusan kredit.

Beliau berkata, tahun ini saja 25,353 individu memohon khidmat nasihat serta bantuan AKPK dan hanya 13,017 dirujuk kepada program PPK, antaranya bagi penstrukturan semula pinjaman.

Bagaimanapun tahun lalu, katanya, 36,848 individu tampil dan 16,184 daripadanya mengikuti program berkenaan.

“Tahun lalu, lebih ramai mendapatkan bantuan daripada AKPK kerana krisis ekonomi yang melanda. Namun, mulai Oktober tahun lalu, keadaan ekonomi mula pulih. Pengurangan individu ini menunjukkan keadaan ekonomi kita semakin baik dan mereka juga ke arah pengurusan kewangan yang baik,” katanya.

Setakat Oktober lalu, sebanyak 423 kes membabitkan pinjaman berjumlah kira-kira RM12 juta berjaya diselesaikan AKPK, berbanding 143 kes dengan jumlah pinjaman RM3.7 juta pada tempoh sama tahun lalu.

“Kami menyelesaikan kira-kira 40 kes sebulan bayaran balik pinjaman kepada bank kerana kebanyakan yang mengikuti PPK sudah mampu menyelesaikan pinjaman lebih awal daripada tempoh maksimum 10 tahun yang diberikan,” katanya.

Beliau berkata, mereka yang berpendapatan kurang RM2,000 sebulan adalah kumpulan paling teruk terjejas dengan masalah kewangan, mewakili kira-kira 40 peratus daripada 50,361 individu yang menyertai PPK.

Katanya, AKPK yang ditubuhkan sejak April 2006 setakat ini menganjurkan lebih 520 taklimat berhubung pengurusan kredit di seluruh negara.

Unit Trust. FBM KLCI Futures Set To Rebound

Some information regarding Malaysia future market. From NST Business Times. 18 April 2011

THE FTSE Bursa Malaysia Kuala Lumpur Composite Index (FBM KLCI) futures April contract on Bursa Malaysia Derivatives closed lower at 1,519 with open interests of 20,957 contracts last week.

The April contract plunged to a new low when it fell below the support at 1,550 last week. The fall failed to arrest the selling pressure as shortists rampaged in the market. The trading band widened to 40 points, between a high of 1,554.50 and a low of 1,510.50.

Corrective pressure continued to weigh on the futures market as the spot contract raced to a low of 1,510.5 last Thursday. The spot contract has yet to make a clear break below the 1,500 support line as it remains supported above the daily lower Bollinger band.

Rejection of the high last week has permitted bearish elements to seep back into the market, igniting some concern over the medium-term range. The absence of a formidable rebound last week has pushed sideways consolidation aside, leaving behind remnants of the selling pressure. By Friday, the oscillators had already retraced to the boundary of the oversold, providing a platform for rebound play this week. 

Firm recovery signals have not been spotted on the weekly charts as the Moving Average Convergence Divergence indicator (MACD) seems to be initiating a negative crossover albeit at a slower pace. With weekly oscillators easing further from neutral territory, concerns may be reignited over a continuing dip into the oversold as momentum slows.

Tactically, the spot contract may try to rebound with renewed vigour. This may lead buying interest back into the market, as the confirmation of a negative signal is still absent from the daily MACD. For this reason, we see the spot contract remaining within the boundary of the lower and mid Bollinger lines of 1,497 and 1,537 respectively

Technical reports

The Moving Average Convergence Divergence indicator remains positive with the faster above the signal line. Both lines remain at the positive region.

The daily Relative Strength Index closed at the neutral .

The daily Commodity Channel Index finished at the neutral.

bernard@tactician.com.my.

The subject expressed above is based purely on technical analysis and opinions of the writer. It is not a solicitation to buy or sell.

Read more: FBM KLCI futures set to rebound http://www.btimes.com.my/Current_News/BTIMES/articles/tacticianapril18/Article/#ixzz1JyZsMQK4


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RHB Unit Trust. Rancang Kewangan Seawal Usia

Dipetik Dari : Seminar Pelaburan 360 hari ASNB , Sinar Harian Ahad 17 April 2011.

Ramai beranggapan masa sesuai untuk merancang kewangan adalah apabila mempunyai pendapatan sendiri. Lebih buruk lagi, ada yang merancang ketika melangkah ke usia persaraan. Realitinya, perancangan kewangan boleh dimulakan seawal mungkin walaupun belum mempunyai sumber pendapatan yang tetap.

Perancangan kewangan pada awal usia mempunyai banyak kelebihan. Justeru, tiada istilah terlalu awal merancang kewangan. Manfaat merancang kewangan di usia merupakan antara topic yang dibincangkan di Seminar Pelaburan 360 Hari di Maktab Rendah Sains MARA, Pengkalan Chepa, Kelantan.

Peserta ditekankan agar merancang dahulu sebelum timbulnya keperluan. Lazimnya, setiap orang menyimpan setelah berdepan dengan keperluan untuk memiliki sesuatu.

Apabila kita hanya mula merancang ketika melalui keadaan sempit sebegini, pastinya kita rasa terbeban. Jika kita telah mempunyai wang kerana telah merancang lebih awal, wang itu boleh digunakan pada waktu yang diperlukan.

Apa yang lebih menarik, merancang lebih awal memberi kelebihan dari segi masa dan nilai wang. Ini bermakna kita mempunyai masa yang lebih panjang untuk menyimpan bagi mencapai matlamat yang diinginkan. Malah jumlah pulangan simpanan uang dibuat juga lebih tinggi.

Golongan pelajar juga mampu memainkan peranan ini sedari awal. Sungguhpun jumlah yang disimpan adalah kecil, ia merangsang usaha membudayakan amalan ini sepanjang hayat.

Kata pepatah, ‘sikit-sikit, lama-lama jadi bukit’. Dengan lebihan wang daripada perbelanjaan bulanan, wang ini disimpan atau dilaburkan bagi memenuhi pelbagai keperluan masa depan.

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Unit Amanah. TAHUKAH ANDA?

TAHUKAH ANDA?

# Harga minyak MELAMBUNG 40%, harga barang makanan, harga bahan api, gas, elektrik dan tenaga, tol, tambang dan bermacam-macam lagi harga dipasaran sekarang semakin MENINGKAThari demi hari. Hidup rakyat Malaysia kini semakin dihimpit kerisauan dan kegelisahan. Dalam keadaan sebegini tiada siapa yang boleh membantu kita malahan kerajaan sendiri tidak mampu untuk berbuat apa-apa, maka ia hanya terletak kepada DIRI ANDA SENDIRI untuk MERUBAHNYA. Anda MESTI bertindakSEKARANG dengan melabur di dalam UNIT TRUST, pelaburan yang menjamin masa hadapan anda. Pasti ANDA TIDAK AKAN MENGHADAPI MASALAH DI KEMUDIAN HARI!!

# Ramai rakyat Malaysia kini tertipu dengan pelaburan-pelaburan yang haram di sisi undang-undang Malaysia, dengan harapan mendapat keuntungan yang besar dalam jangka masa yang singkat.Sedangkan kerajaan telah membuka ruang dan platform pelaburan yang sah.

# Anda  boleh  memaksimumkan wang KWSP anda melalui pelaburan dalam unit trust? Pulangan KWSP tahun lepas hanya 5.8%. Tapi pulangan unit trust CIMB Dana Dali tahun lepas adalah 23.68%. Oleh itu jangan lepaskan peluang ini. Bahkan anda juga boleh membuat pelaburan dalam unit trust dengan nilai pelaburan permulaan yang rendah.

# Jika anda melabur = RM2,000 >>> Untung = 20% setahun, dalam masa 20 tahun, duit pelaburan RM2,000 anda akan menjadi = RM2,000 x (1 + 20%)20 = RM76,675.20 SUNGGUH LUMAYAN!!

# Jumlah kos pengajian degree di IPTA sekarang = RM 25,000 manakala kadar inflasi semasa = 3.5%. Katakan anda mempunyai anak berumur 2 tahun, dlm masa 15 tahun lagi dia akan melanjutkan pelajaran ke IPTA..! Jumlah kos pengajian degree di IPTA tahun 2022 = RM25,000.00 x (1 + 0.035)^15 =RM41,883.70 Oleh itu, ELAKKAN masalah kewangan ini berlaku kepada diri anda kelak!...

Jika anda benar-benar ingin menikmati pulangan lumayan dari sistem penjanaan wang untuk masakini dan akan datang, inilah pelaburan yang sah disisi undang-undang malaysia. Mulakan langkah pelaburan bijak anda dengan Pelaburan UnitTrust.

Cuba Anda Bayangkan...

• Sudah berapa banyak wang yang anda laburkan selama ini tanpa apa-apa pulangan, malahan hilang begitu sahaja
• Sudah berapa banyak syarikat MLM yang anda sertai tetapi pendapatan anda masih di takuk yang lama
• Sudah berapa banyak wang dan masa yang anda bazirkan dengan menyertai skim-skim piramid, scam, ponzi, surat berantai dan skim cepat kaya tetapi tidak ada hasil yang anda perolehi
• Sudah berapa kali anda terjerat dengan sistem-sistem pelaburan haram dan tidak sah dari segi undang-undang Malaysia
• Sudah berapa banyak kali keluarga anda menangis melihat kerugian demi kerugian disebabkan pelaburan anda
• Barapa banyakkah hutang piutang yang anda tanggung sekarang akibat pelaburan yang anda sertai selama ini...

Dan mungkin kini anda juga sedang berhadapan dengan situasi muflis akibat daripada pelaburan-pelaburan tersebut.Oleh itu, hindarkankan segala pelaburan-pelaburan yang meragukan disisi undang-undang malaysia dan lupakanlah ia buat selama-lamanya!

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Unit Amanah. Kenapa Gagal Dalam Pelaburan Unit Amanah?

1. Kurang maklumat atau pendedahan tentang pelaburan Unit Amanah.

Kebanyakkan pelabur tidak memahami dengan jelas konsep-konsep dalam pelaburan unit amanah. Dan ini menyumbang kepada kegagalan pelaburan para pelabur tersebut. Hubungi agen-agen unit amanah atau pun mana-mana cawangan untuk pemahaman yang lebih. Sentiasa berkomunikasi dan bertanyakan soalan tentang unit amanah kepada agen-agen anda.

2. Tak sabar. Nakkan keuntungan segera.

Faktor yang paling popular. Memang satu sifat manusia mahukan sesuatu dengan cepat. Ini pun sudah pasti berlaku dalam pelaburan unit amanah. Bagi pelaburan unit amanah, pulangan keuntungan paling cepat pun mengambil masa 3 tahun. Lagi lama anda simpan di dalam unit amanah, maka pulangan sudah pasti lagi tinggi.

3. Samakan unit amanah dengan saham.

Antara perkara berbangkit yang sering ditanya kepada agen-agen unit amanah adalah anggapan sesetengan pelabur yang menyamakan secara terus pelaburan unit amanah dengan pelaburan saham. Ini adalah tidak betul. Modal yang anda laburkan dalam unit amanah akan dilaburkan dalam saham-saham syarikat yang tersenarai di bursa saham. Bagaimanapun tidak semua modal akan digunakan untuk pembelian saham. Pengurus dana akan melaburkan pada sebahagian ke dalam bon atau pasaran wang yang berjangka masa pendek. Orang yang menganggap pelaburan unit amanah adalah seperti saham akan lebih berminat  membuat belian dan jualan balik unit-unit dana dalam jangka masa yang singkat. Niat nak ambil untung pada perubahan harga. Ini sudah salah memandangkan pelaburan unit amanah lebih fokus kepada berapa banyak aset yang dana tersebut miliki dan pendapatan terjana daripada aset-aset tersebut akan diagih-agihkan dalam bentuk dividen dan bonus bukan pada perubahan harganya semata-mata.

4. Lewat untuk bermula.

Satu lagi sebab kenapa ada jugak yang mengalami kerugian dalam pelaburan jenis ini adalah kerana lambat untuk bermula. Seperti kita sedia maklum, pelaburan unit trust amat sinonim dengan prinsip compound interest yang bergerak seiring dengan masa. Jika anda inginkan RM 1 juta semasa berumur 60 tahun nanti tetapi mahu bermula melabur dalam unit trust pada umur 55 memang terang lagi bersuluh anda takkan dapat mencapai matlamat kewangan tersebut. 

5. Suka dengar cakap orang.

Ini juga salah satu faktor kenapa ada jugak orang rugi dalam pelaburan unit amanah. Selalu sangat suka dengar cakap-cakap orang terutamanya kawan-kawan. Kalau kawan-kawan tu pakar dalam bidang unit trust tak mengapa la jugak. Tapi asas pelaburan unit trust pun tak pernah tahu. Kebiasaanya, apabila para pelabur lebih peka kepada cadangan kawan-kawan mereka cenderung untuk membuat keputusan melulu dalam pelaburan. Sebagai contoh, si A mendengar kawannya mengatakan bahawa kiamat akan berlaku 2012 ni berdasarkan filem 2012 (contoh je) dan menganggap bahawa pasaran saham akan merudum teruk pada waktu itu. Si A apa lagi mula la panik tak menentu dan cepat-cepat buat jualan balik pelaburannya sedangkan baru 2010 dan belum sahih lagi perkara yang diperkatakan akan berlaku. Begitulah betapa kuatnya pengaruh cakap2 orang lain.

6. Terpesong daripada objektif asal.
Faktor yang keenam pula lebih berkisar kepada tersasar daripada matlamat atau objektif asal pelaburan yang telah dilakukan. Sebagai contohnya, objektif asal pelaburan adalah untuk membiayai kos pendidikan anak-anak apabila telah sampai masanya mereka masuk universiti. Tetapi, objektif pelaburan tiba-tiba berubah untuk membeli kereta idaman ataupun rumah yang lebih besar dan mewah. Sememangnya, tidak salah dan tidak mengalami kerugian duit tetapi ruginya adalah apabila telah tiba masa anak-anak ingin menjejakkan kaki ke universiti duit untuk menampung kos pengajian mereka telah tiada. Jangan terlalu bergantung pada PTPTN, polisinya boleh berubah pada bila-bila masa.


7. Bergantung pada konsultan yang tidak terlatih.

Satu lagi penyebab kerugian dalam pelaburan adalah apabila para pelabur terlalu bergantung pada konsultan yang tidak terlatih. Buat masa ini, terdapat lebih daripada 90,000 konsultan unit amanah yang mewakili 47 buah syarikat unit amanah swasta. Dalam jumlah yang seramai itu, tidak ramai yang kompeten dalam bidang ini. Ada yang terjun dalam bidang ini semata-mata untuk mendapatkan ganjaran besar sebagai konsultan unit amanah. Tetapi apabila para pelabur inginkan rundingan, konsultan tersebut gagal untuk memberikan yang terbaik kepada para pelabur. Bagi pihak saya, adalah penting untuk memastikan para pelabur akan mendapat perkhidmatan yang terbaik memandangkan kepercayaan telah diberi kepada saya untuk mengendalikan perancangan kewangan pelabur tersebut.

Semoga anda faham dan mendapat gambaran kenapa ada sesetengah orang yang mengalami kerugian dalam pelaburan unit trust. Sedangkan, pelaburan jenis ini sememangnya salah satu bentuk pelaburan yang banyak memberi keuntungan.

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RHB Asset Management Sdn Bhd. Panduan Memilih Akaun Pelaburan Unit Amanah

Apakah sebab kita patut menyimpan & melabur?
1) Sebagai tabung kecemasan – Dari segi psikologi manusia perlu rasa selamat terhadap bencana kewangan seperti rawatan penyakit, kemalangan dan kena buang kerja.

2) Sebagai alat untuk memenuhi wawasan kewangan seperti tabung pendidikan sendiri/ anak, kenderaan peribadi baru, percutian atau cengkeram pembelian rumah.

3) Sebagai tabung untuk hari tua atau sebagai penambahan kepada bayaran pencen / tabung KWSP.

4) Sebagai satu jambatan untuk menghasilkan lebih wang tampa bekerja sendiri.

Sebelum melabur atau menyimpan ada baiknya pelabur mempartimbangkan faktor-faktor berikut:
1) Dimanakah kedudukan pelabur dalam kitaran hidup?

2) Apakah risikonya?

3) Bagaimanakah kesan inflasi terhadapnya?

4) Bolehkan ia dicairkan?

5) Berapakah harga pulangannya?

6) Perlukah dilakukan pemelbagaian (diversification) ?
Berikut adalah contoh kedudukan pelabur berdasarkan faktor umur dan kehendak mereka:

1) Pesara:

Contoh Wawasan: melindungi modal dan memaksimumkan pendapatan

Langkah yang diambil: Pilih pelaburan selamat seperti unit amanah yang bermotifkan pendapatan, akaun mudharabah dan saham blue-chip. Sentiasa pantau kadar pendapatan yang diterima dari potfolio pelaburan. Untuk mengatasi inflsi sebahagian kecil modal patut dilaburkan dalam tabung lebih berisiko.


2) Pasangan dengan anak dewasa

Contoh Wawasan: Untuk Persaraan

Langkah yang diambil: Simpan sebahagian wang dalam peaburn yang konservatif/ berisiko rendah. Kalau dari golongan kaya boleh gunakan pelaburan berisiko lebih tinggi. Pasangan dengan anak belasan tahun menyediakan tabung untuk bayaran bil pengajian yang tinggi. Mengkaji sumber-sumber bantuan kewangan / pinjaman yang ada. Memantau semua simpanan yang ada samaada mencukupi. Jika tidak mungkin berusaha menambahkan pandapatan.


3) Pasangan dengan anak bersekolah

Contoh Wawasan: Tabung pendidikan dan tabung percutian

Langkah yang diambil: pastikan sudah ada tabung tunai untuk kecemasan dahulu sebelum mula melabur dalam alat pelaburan yang mempunyai nilai pulangan yang tinggi seperti unit amanah pertumbuhan (grows funds). Tujuannya untuk mengatasi inflasi. Pelabur yang mempunyai selera risiko yang tinggi boleh menggunakan unit amanah pertumbuhan yang lebih aggresif.


4) Pasangan dengan bayi/anak kecil

Contoh Wawasan: Rumah yang lebih bagus

Langkah yang diambil: Pilih rumah yang sesuai – boleh jadi tempat tinggal serba boleh juga dijual bila anak-anak sudah berkahwin. Sebelum melabur pastikan sudah ada tabung kecemasan tunai bernilai 3 bulan gaji, insuran pendapatan, dan insuran perubatan. Pelaburan digalakkan dalam unit amanah jenis berimbang (balance fund) atau ASB.


5) Bujang

Contoh Wawasan: Kereta, rumah

Langkah yang diambil: Elakkan tabiat belaja berlebihan dengan mengabil skema pelaburan ’paksaan’ secara potongan gaji dalam akaun insuran/ takaful. Untuk wawasan jangka pendek sebahagian besar dari baki simpanan harus diletakkan dalam akaun-akaun yang menjamin modal. Baki kalau ada barulah melabur dalam unit amanah.

Artikel dipetik & ringkasan dari:
Pemilihan Akaun Pelaburan, Mingguan Wanita, P46, 2005.


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Rhb Asset Management. Investment Goal

One of the keys to successful investing is identifying your investment goals, and the time frame over which you will invest.

Investing for a specific goal

When investing money, many people have a specific goal in mind. If this is the case for you, you need to decide what time frame is attached to that goal - short term, medium term or long term?

Examples of investment goals are:

Short term (1-3 years)	- overseas holiday - car - taking time off work to care for a baby
Medium term (3-7 years)	- deposit on a house - boat - a sabbatical or extended break from work.
Long term (7+ years)	- childrens' education - holiday house - retirement/early retirement

Investing a specific amount

Rather than having a particular investment goal, some people may just be wanting to invest a certain sum of money eg. an inheritance. If you are in this situation, you need to decide what you want from that money.

Do you want to use the money in the next year or two? (in which case you are a short term investor). Or do you want a regular income? (you will need medium term income-producing investments). Or do you want it to achieve capital growth over a long period of time, and are willing to take a long term view?

Time Frame

The time frame of your goals will determine how the money should be invested.

A short term investor would be more likely to choose a more conservative investment like cash, to ensure that their capital is available in the next 1-3 years when they need to access it.

A long term investor would be more willing to invest in 'growth assets' such as shares, as they do not need to access their capital for at least 5 years, so are less concerned about short term ups and downs. They recognise that the potential returns are much higher in growth investments, and if they are held over the long term the risk is reduced.

A financial adviser can assist you to understand the types of investment most suitable for your goals.

INVEST DI UNIT TRUST SEKARANG DENGAN MENGISI FORM DI SINI.

Unit Trust. The Secret To Wealth

The Secret To Wealth

Whether you want to invest in shares or across a broad range of asset classes, unit trust funds provide you with one benefit that can be very hard for individual investors to achieve - diversification.

Many people invest but only some become wealthy. Why?
The mistake many people make when investing is that they treat their investment as saving.

Saving Versus Investing

So what is the difference between saving and investing? Saving is what you do to build up funds for something, like a holiday, and when you have the amount saved you withdraw your capital from your investment and spend it on the holiday. After the holiday you have nothing left, and start the process all over again.


But building wealth is different. People who want to build wealth invest their money for the long term in 'growth assets' such as shares and property.


Their strategy is to spend the income that the investment produces, but to leave the capital invested. They don't withdraw the capital, so it stays there growing and compounding, and producing more and more income each year.


If you do this it will take you quite a while longer initially to get to your investmant goal, but in the long run you will find that the extra wait has been worth it. As the years go by, you will have an increasing additional income stream from your investments and your standard of living can rise accordingly!

Should I continue to retain capital in retirement? 
Retaining your capital is a good strategy to use for wealth accumulation. Of course when you stop working later in life, your strategy may change. At that point it can often be beneficial to start drawing on some of your capital as well, whilst still ensuring that it will last for as long as you need it. 

From : http://www.cimb-principal.com.my/The_Secret_to_Wealth.aspx

INVEST SEKARANG DENGAN MENGISI FORM DI SINI.

RHB Asset Management Sdn Bhd. KWSP INVESTMENT SCHEME.

The Move Toward Greater Flexibility

In November 1996, KWSP provided greater flexibility for its members by allowing them to invest a part of their savings in approved financial institutions.

The direct impact of this move is to provide members with more control over their savings, giving the members a more active role in the investment of their own savings.

Who Can KWSP Member’s Invest With?

1)     Fund management institutions which fulfilled the conditions and guidelines set forth by the Finance Ministry are eligible to participate.

2)   Permodalan Nasional Berhad, Lembaga Urusan dan Tabung Haji, unit trust companies approved by the SC, local fund management institutions licensed under the SC Act 1983 and merchant banks which undertakes fund management licensed under Banking and Finance Institution Act 1989.

Method for Investing in the KWSP Scheme

Investments are to be made directly with any CIMB Wealth Advisor’s Agents.

The required documents:

a)    KWSP 9N AHL Form

b)   Photostat copy of Identity Card. To Photostat the front and reverse side of the NRIC on the same page of an A4  size paper.

 c) Fund Application Form

Who is Eligible?

You are eligible to apply if you are:

§        A Malaysian citizen; or

§        A Permanent Resident; or

§        A Malaysian citizen who have withdrawn your savings under Leaving The Country Withdrawal before 1 August 1995 but subsequently returned and re-contribute to EPF; or

§        A Non-Malaysian citizen (Expatriate) who became a member of the EPF before 1 August 1998.

§        You need to have savings in your Account I and you must also have not reached 55 years of age on the date the application is received by the EPF.

§        Eligible members are only allowed to invest not less than RM1,000 but not more than 20% of any surplus above required amount based on investor’s age. Refer to below chart.

Basic Savings required in Account 1 KWSP

What Are The Mechanics?

 Investment will not involve direct withdrawal of the funds from member’s account, 

 it will only be a transfer of KWSP savings to fund managers as instructed and  returns will be credited directly into member’s KWSP savings account.Any withdrawal or investment gains from the fund   management institution are not allowed until after age 55 or if member meets the requirements under the withdrawal schemes of leaving the country, incapacitation or death.

How Often Can You Withdraw?

Every 3 months (Based on disbursement date from KWSP)

When Are You Not Eligible To Withdraw?

•  When your balance in Account 1 is Less than required amount based on age (Refer to above chart)
• Reached age 55 years old.

Can You Invest in Any Unit Trust?

No. You can only invest in Unit Trust that are approved by KWSP.

Contoh Pengiraan Kelayakan Pelaburan Ahli KWSP

Ahli	Umur	Simpanan di dalam Akaun 1 (RM)	Simpanan Asas Baharu (RM)	Pengiraan untuk Pelaburan (30%)	Kelayakan
A	22	4,000	8,000	-	Ahli tidak layak memohon. Simpanan di Akaun 1 kurang daripada Simpanan Asas baharu.
B	22	9,000	8,000	RM9,000.00 – RM8,000.00 x      30% = RM300.00	Ahli tidak layak memohon. Kelayakan minimum adalah RM1,000.00
C	25	20,000	14,000	RM20,000.00 – RM14,000.00 x 30% = RM1,800	Ahli layak memohon. Amaun kelayakan minimum adalah RM1,000.00 dan maksimum adalah  RM1,800.00

Need More Info? Please Fill in Below Form: Form Pelaburan Unit Amanah

Unit Amanah. Apakah yang dimaksudkan dengan Unit Dana Amanah?

Apakah itu Unit Dana Amanah?

Unit dana amanah, juga dikenali sebagai pelaburan terancang, membolehkan anda bersama-sama pelabur lain berkongsi pelaburan dalam satu jumlah yang besar untuk membolehkan unit dana amanah membeli pelaburan yang diuruskan oleh pasukan professional.

Pelaburan Terus VS Dana Unit Amanah. Kelebihan dan kekurangannya?

Apabila anda telah memutuskan untuk melabur, anda boleh memilih untuk melabur secara terus atau pun melalui unit amanah. Yang mana cara paling sesuai adalah bergantung kepada keperluan pelaburan individu. Bagaimanapun, menggunakan pengurus dana professional membolehkan pulangan jangka masa panjang yang lebih baik.

Pengurus dana adalah berkelebihan berbanding pelabur individu kerana:

• Portfolio mereka direka menggunakan falsafah pelaburan yang konsisten.
• Pengurus dana memiliki akses maklumat yang jauh lebih baik termasuk dengan wakil syarikat, pesaing dan pelanggan berbanding pelabur individu.
• Pengurus dana mengupah professional pelaburan untuk memantau pasaran pelaburan dan kesan arah tuju pembangunan ekonomi terhadap pasaran.
• Saiz portfolio yang besar memudahkan pengurus dana untuk mengurangkan risiko melalui kepelbagaian pelaburan. Mereka juga boleh mengurangkan risiko dengan mengamalkan teknik pengurusan risiko yang sofistikated melibatkan terbitan, dan
• Pengurus dana memiliki skala ekonomi untuk mengurankan perbelanjaan melalui kos transaksi yang rendah. Sebagai contoh, pengurus dana pada kebiasaannya membayar komisen yang rendah kepada broker saham.


Prestasi Tinggi hanyalah salah satu kelebihan unit dana amanah.

Unit amanah bukan sekadar menyasarkan pulangan tinggi tetapi memperuntukkan pelabur dengan
• Pentadbiran dan laporan lengkap. Termasuk pengiraan pulangan pelaburan dan peruntukan panduan cukai individu.
• Maklumat terkini tentang prestasi dana.
• Pegawai khidmat pelanggan yang terlatih.
• Akses ke dana dengan cepat dan mudah .
• Mudah.


Siapa paling sesuai untuk Unit Amanah ?

Unit amanah adalah pilihan yang pelaburan yang mudah dan selesa bagi mereka yang cenderung kepada pelaburan jangka panjang tetapi tidak memiliki masa, keinginan dan kepakaran untuk melabur secara terus ke dalam pasaran kewangan.

Unit amanah secara khususnya bersesuaian untuk pelabur kali pertama dan kecil di mana ia memberikan peluang untuk mengasaskan kepelbagaian portfolio aset dengan jumlah wang yang kecil.
Bagaimanapun, pelabur besar juga boleh mendapatkan faedah dari unit amanah kerana ia menyediakan akses untuk kepakaran pengurus pelaburan professional



Apa kaitan Unit Amanah dan masa depan kita?


Dalam kuasa beli kita bergantung kepada kadar inflasi, nilai ringgit pada hari ini tidak akan sama pada masa akan datang. Sebagai contoh, beberapa tahun lepas seketul kuih boleh dibeli pada harga 10 sen dan 20 sen. Tetapi pada hari ini harga seketul kuih adalah dalam 50 sen. Sekiranya, kita menyimpan di dalam simpanab tetap pada kadar 3.3% setahun, dan inflasi yang dilaporkan adalah 5.4%, setiap tahun kita masih kekurangan nilai ringgit sebanyak 2.1% untuk mengimbangi kadar inflasi. Secara mudahnya, nilai duit kita semakin mengecil dan kemampuan untuk berbelanja semakin sempit. Dengan pelaburan di unit amanah CWA (Rekod untuk Dana Dali pada 2010 adalah 23.68%) kadar inflasi telah dpt di atasi dengan dividen lebihan 18.28%.

Kalkulator Pengiraan Pelan Persaraan :

Kalkulator ini membantu anda untuk mengira berapa banyak yang anda perlukan dalam bentuk lump sum/simpanan tahunan/ simpanan bulanan untuk memastikan anda dapat menikmati pelan persaraan yang selesa. Sila klik link di bawah :

http://www.cwealthadvisors.com.my/RetirementPlan.aspx


Kalkulator Pengiraan Pelan Pendidikan Anak-anak :


Kalkulator ini membantu anda untuk mengira berapa banyak yang anda perlukan dalam bentuk lump sum/simpanan tahunan/ simpanan bulanan untuk memastikan impian anda untuk menghantar anak-anak mendapatkan pendapatan tinggi pada jangka waktu yang telah anda rancang akan dapat dilakukan. 
Sila klik link di bawah :


http://www.cwealthadvisors.com.my/EduPlan.aspx


Berminat untuk menyertai Unit Dana Amanah CWA? Sila isi borang di bawah untuk maklumat lanjut :

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Unit Trust. Frequently Asked Questions

Can I invest my EPF savings with CIMB-Principal Asset Management (CIMB-Principal)?

Yes, CIMB-Principal is one of the approved funds management institution under the EPF Members Investment Scheme. Members can invest not more than 20% of their credit in excess of Basic Savings in Account 1. The minimum amount of savings that can be withdrawn is RM1,000 and can be made at intervals of three months from the date of the last transfer, subject to the availability of the Basic Savings required in Account 1. To find out more about your investment eligibility, please refer to EPF’s Basic Savings Table and examples of allowable withdrawal for the Member’s Investment Withdrawal.


Are the Funds' returns guaranteed?

No, returns of funds are not guaranteed as they invest in assets (for example, shares and bonds) which fluctuate in value on a daily basis. The price of the Funds' investments will rise and fall and consequently cause unit prices to rise and fall. Therefore, we cannot guarantee fund returns.

Is there a Regular Savings Plan?

Yes, the Regular Savings Plan allows you to make regular monthly investments of RM200 or more directly from your account held with a bank approved by CIMB-Principal or Approved Distributor. The minimum initial investment for the Regular Savings Plan is RM500, with exception for CIMB-Principal Bond Fund, CIMB-Principal Strategic Bond Fund, CIMB-Principal Deposit Fund, CIMB Islamic Enhanced Sukuk Fund, CIMB Islamic Sukuk Fund, CIMB Islamic Deposit Fund, CIMB-Principal China-India-Indonesia Equity Fund and CIMB-Principal Australian Equity Fund, the minimum initial investment for the Regular Savings Plan is RM1,000.

The Regular Savings Plan does not apply to all close-ended funds and the following funds:

• CIMB Islamic Money Market Fund
• CIMB-Principal Money Market Income Fund (formerly CIMB-Principal Xcess Cash Fund)

 

Is there any exit fee when an investor withdraws his units?

No, there is no withdrawal fee charged except for the following funds:

• CIMB-Principal Lifecycle Funds
  Up to 1.0% - A Withdrawal Fee of up to 1.0% of the NAV per unit is levied on a withdrawal made within two (2) years from the date the investment is accepted by the Manager. The Withdrawal Fee may differ between distribution channels. All Withdrawal Fees borne by Unit holders will be retained by the relevant Funds.
   
• CIMB Islamic Kausar Lifecycle Funds
  Up to 1.0% - A Withdrawal Fee of up to 1.0% of the NAV per unit is levied on a withdrawal made within two (2) years from the date the investment is accepted by the Manager. The Withdrawal Fee may differ between distribution channels. All Withdrawal Fees borne by Unit holders will be retained by the relevant Funds.
   
• CIMB-Principal Multi-Maturity Income Fund 1 (formerly Multi-Maturity Income Fund 1)
  Up to 2.0% - A withdrawal fee of up to 2.0% is chargeable on unscheduled redemptions. Unscheduled redemptions results from investors’ interest to withdraw their investments prior to the Fund’s predetermined scheduled withdrawals. Withdrawal fee will be 2.0% for the first year and will decline by 0.40% every year thereafter.
   
• CIMB-Principal Opportunistic Bond Fund
  Up to 3.0% - A penalty of up to 3.0% of the NAV per unit is chargeable on any withdrawal made prior to the Maturity Date. All Penalty borne by Unit holders will be retained by the Fund.
   
• CIMB-Principal Strategic Income Bond Fund
  A Withdrawal Penalty of up to 3.0% of the NAV per unit is chargeable on any
  withdrawal made prior to the Maturity Date. All Penalties borne by Unit holders will
  be retained by the Fund.

Payment will be paid in RM within ten (10) calendar days.

 

Can I add to my investment?

Yes, the minimum additional investment of RM200 is applicable for:

• CIMB-Principal Equity Fund (formerly SBB Premium Capital Fund)
• CIMB-Principal Equity Fund 2 (formerly SBB High Growth Fund)
• CIMB-Principal Equity Aggressive Fund 1 (formerly SBB Strategic Equity Fund)
• CIMB-Principal Equity Aggressive Fund 3 (formerly Future Goals Fund)
• CIMB-Principal Equity Growth Fund (formerly SBB Crystal Equity Fund)
• CIMB-Principal Equity Growth & Income Fund (formerly SBB Double Growth Fund)
• CIMB-Principal Equity Income Fund (formerly SBB Equity Income Fund)
• CIMB-Principal Small Cap Fund (formerly Hidden Treasures Fund)
• CIMB-Principal Balanced Fund (formerly Balanced Returns Fund)
• CIMB-Principal Balanced Income Fund (formerly SBB Savings Fund)
• CIMB-Principal Income Plus Balanced Fund (formerly Income Plus Fund)
• CIMB-Principal Asia Infrastructure Equity Fund
• CIMB-Principal ASEAN Equity Fund
• CIMB-Principal Asian Equity Fund (formerly SBB Asian Equity Fund)
• CIMB-Principal Australian Equity Fund
• CIMB-Principal China-India-Indonesia Equity Fund
• CIMB-Principal Climate Change Equity Fund
• CIMB-Principal Emerging Asia Fund (formerly Emerging Asia Fund)
• CIMB-Principal Global Asset Spectra Fund (formerly Global Asset Spectra Fund)
• CIMB-Principal Global Growth Fund (formerly SBB Global Growth Fund)
• CIMB-Principal Global Titans Fund (formerly Global Titans Fund)
• CIMB-Principal Greater China Equity Fund
• CIMB-Principal Lifecycle 2017
• CIMB-Principal Lifecycle 2022
• CIMB-Principal Lifecycle 2027
• CIMB-Principal MENA Equity Fund
• CIMB Islamic DALI Equity Fund (formerly SBB Dana Al-Ihsan 2)
• CIMB Islamic DALI Equity Growth Fund (formerly SBB Dana Al-Ihsan)
• CIMB Islamic DALI Equity Theme Fund
• CIMB Islamic Equity Aggressive Fund (formerly Lifetime Dana Mubarak)
• CIMB Islamic Equity Fund (formerly SBB Dana Al-Ikhlas)
• CIMB Islamic Small Cap Fund (formerly SBB Dana Al-Azam)
• CIMB Islamic Balanced Fund (formerly SBB Dana Al-Mizan)
• CIMB Islamic Balanced Growth Fund (formerly Lifetime Dana Barakah)
• CIMB Islamic Asia Pacific Equity Fund (formerly Asia Pacific Adil Fund)
• CIMB Islamic Global Commodities Equity Fund
• CIMB Islamic Global Equity Fund
• CIMB Islamic Global Emerging Markets Equity Fund
• CIMB Islamic Greater China Equity Fund
• CIMB Islamic Kausar Lifecycle 2017
• CIMB Islamic Kausar Lifecycle 2022
• CIMB Islamic Kausar Lifecycle 2027

For the following funds the minimum additional investment is RM500:

• CIMB-Principal Bond Fund (formerly Lifetime Bond Fund)
• CIMB-Principal Strategic Bond Fund (formerly Strategic Bond Fund)
• CIMB Islamic Enhanced Sukuk Fund (formerly Lifetime Dana Wafiq)
• CIMB Islamic Sukuk Fund (formerly SBB Dana Al-Hafiz)

For the following funds the minimum additional investment is RM1,000:

• CIMB-Principal Deposit Fund (formerly CIMB-Principal Money Market Fund)
• CIMB-Principal Money Market Income Fund (formerly CIMB-Principal Xcess Cash Fund)
• CIMB Islamic Money Market Fund
• CIMB Islamic Deposit Fund

How much do I need to invest in the CIMB-Principal's investment funds?

You can start with as little as RM500 in any Fund.

However, the minimum initial investment for CIMB-Principal China-India-Indonesia Equity Fund and CIMB-Principal Australian Equity Fund is RM1,000 or such amounts as the Manager may from time to time decide.

The minimum initial investment for CIMB-Principal Bond Fund (formerly Lifetime Bond Fund), CIMB-Principal Strategic Bond Fund (formerly Strategic Bond Fund), CIMB Islamic Enhanced Sukuk Fund (formerly Lifetime Dana Wafiq) and CIMB Islamic Sukuk Fund (formerly SBB Dana Al-Hafiz) is RM2,000 or such amounts as the Manager may from time to time decide.

The minimum initial investment for CIMB-Principal Deposit Fund (formerly CIMB-Principal Money Market Fund), CIMB-Principal Money Market Income Fund (formerly CIMB-Principal Xcess Cash Fund), CIMB Islamic Money Market Fund and CIMB Islamic Deposit Fund is RM10,000 or such amounts as the Manager may from time to time decide.

What are the application fees?

The Application Fee may differ between distribution channels. Notwithstanding the maximum Application Fee disclosed below, investors may negotiate with the distributors for lower charges. Please note that investors investing via EPF Members Investment Scheme will only be charged a maximum Application Fee of 3% of the NAV per unit.

Conventional Unit Trust Funds

Fund Name(s)	Maximum Application Fees (% of the NAV per unit)
Equity Funds
CIMB-Principal Equity Fund (formerly SBB Premium Capital Fund)	6.5
CIMB-Principal Equity Fund 2 (formerly SBB High Growth Fund)	6.5
CIMB-Principal Equity Aggressive Fund 1 (formerly SBB Strategic Equity Fund)	6.5
CIMB-Principal Equity Aggressive Fund 3 (formerly Future Goals Fund)	5.0
CIMB-Principal Equity Growth Fund (formerly SBB Crystal Equity Fund)	6.5
CIMB-Principal Equity Growth & Income Fund (formerly SBB Double Growth Fund)	6.5
CIMB-Principal Equity Income Fund (formerly SBB Equity Income Fund)	6.5
CIMB-Principal Small Cap Fund (formerly Hidden Treasures Fund)	6.0
Mixed Asset Funds
CIMB-Principal Balanced Fund (formerly Balanced Returns Fund)	5.0
CIMB-Principal Balanced Income Fund (formerly SBB Savings Fund)	6.5
CIMB-Principal Income Plus Balanced Fund (formerly Income Plus Fund)	5.0
Fixed Income & Money Market Funds
CIMB-Principal Bond Fund (formerly Lifetime Bond Fund)	2.0
CIMB-Principal Deposit Fund (formerly CIMB-Principal Money Market Fund)	2.0
CIMB-Principal Money Market Income Fund (formerly CIMB-Principal Xcess Cash Fund)	Nil
CIMB-Principal Strategic Bond Fund (formerly Strategic Bond Fund)	Nil
Regional & Global Funds
CIMB-Principal Asia Infrastructure Equity Fund	6.5
CIMB-Principal ASEAN Equity Fund	6.5
CIMB-Principal Asian Equity Fund (formerly SBB Asian Equity Fund)	6.5
CIMB-Principal Australian Equity Fund	6.5
CIMB-Principal China-India-Indonesia Equity Fund	6.5
CIMB-Principal Climate Change Equity Fund	6.5
CIMB-Principal Emerging Asia Fund (formerly Emerging Asia Fund)	5.0
CIMB-Principal Global Asset Spectra Fund (formerly Global Asset Spectra Fund)	6.5
CIMB-Principal Global Growth Fund (formerly SBB Global Growth Fund)	6.5
CIMB-Principal Global Titans Fund (formerly Global Titans Fund)	5.5
CIMB-Principal Greater China Equity Fund	5.5
·  CIMB-Principal Lifecycle 2017 ·  CIMB-Principal Lifecycle 2022 ·  CIMB-Principal Lifecycle 2027	6.5
CIMB-Principal MENA Equity Fund	6.5
Close-ended Funds
CIMB-Principal Strategic Income Bond Fund	3.0

Islamic Unit Trust Funds

Fund Name(s)	Maximum Application Fees (% of the NAV per unit)
Equity Funds
CIMB Islamic DALI Equity Fund (formerly SBB Dana Al-Ihsan 2)	6.5
CIMB Islamic DALI Equity Growth Fund (formerly SBB Dana Al-Ihsan)	6.5
CIMB Islamic DALI Equity Theme Fund	6.5
CIMB Islamic Equity Aggressive Fund (formerly Lifetime Dana Mubarak)	5.0
CIMB Islamic Equity Fund (formerly SBB Dana Al-Ikhlas)	6.5
CIMB Islamic Small Cap Fund (formerly SBB Dana Al-Azam)	6.5
Mixed Asset Funds
CIMB Islamic Balanced Fund (formerly SBB Dana Al-Mizan)	6.5
CIMB Islamic Balanced Growth Fund (formerly Lifetime Dana Barakah)	6.0
Fixed Income & Money Market Funds
CIMB Islamic Enhanced Sukuk Fund (formerly Lifetime Dana Wafiq)	2.0
CIMB Islamic Sukuk Fund (formerly SBB Dana Al-Hafiz)	2.0
CIMB Islamic Money Market Fund	1.00
CIMB Islamic Deposit Fund	Nil
Regional & Global Funds
CIMB Islamic Asia Pacific Equity Fund (formerly Asia Pacific Adil Fund)	5.0
CIMB Islamic Global Commodities Equity Fund	6.5
CIMB Islamic Global Equity Fund	6.5
CIMB Islamic Global Emerging Markets Equity Fund	6.5
CIMB Islamic Greater China Equity Fund	6.5
·  CIMB Islamic Kausar Lifecycle 2017 ·  CIMB Islamic Kausar Lifecycle 2022 ·  CIMB Islamic Kausar Lifecycle 2027	6.5

How can an investor make regular investments into the Regular Savings Plan?

Regular Savings Plan can be put in place either through standing instructions via a participating bank or by giving at least 6 post dated cheques made out to the respective fund.

Can I switch between the Funds?

Switching will be conducted based on the value of your investment in a Fund. The minimum amount for a switch must be equivalent to the minimum withdrawal amount applicable to a Fund or such amounts as the Manager may from time to time decide. Please note that the minimum amount for a switch must also meet the minimum initial investment amount or the minimum additional investment amount (as the case may be) applicable to the fund to be switched into. Unit holders must at all times maintain at least the minimum balance required for a Fund to stay invested in that Fund. The Manager may, at its absolute discretion, allow switching into (or out of) a Fund, either generally (for all Unit holders) or specifically (for any particular Unit holder).

Since switching is treated as a withdrawal from one (1) fund and an investment into another fund, you will be charged a Switching Fee equal to the difference (if any) between the Application Fees of these two (2) funds.

For example, you had invested in a fund with an Application Fee of 2.0% on the NAV per unit and now wish to switch to another fund which has an Application Fee of 5.5% on the NAV per unit. Hence, you will be charged a Switching Fee of 3.5% on the NAV per unit on the amount switched.

In addition, the Manager imposes a RM100 administrative fee for every switch made out of a CIMB-Principal fund. However, this RM100 administrative fee is waived for the first four (4) switches out of a Fund in every calendar year and the Manager has the discretion to waive the Switching Fee and/or administrative fees.

Switching may also be subject to a withdrawal charge should the fund to be switched out from impose a Withdrawal Fee.

Switching into any CIMB-Principal fund is ultimately at the investor's personal choice and option. However, Muslim investors are ecnouraged to switch into any other CIMB-Principal Shariah fund rather than into any other CIMB-Principal conventional fund as it is not permitted from the Shariah perspective.

For CIMB-Principal Lifecycle Funds & CIMB Islamic Kausar Lifecycle Funds, switching is allowed:

• within the CIMB-Principal Lifecycle Funds / CIMB Islamic Kausar Lifecycle Funds; and
• from other CIMB-Principal funds into any of these Funds.

Subject always to the Manager’s absolute discretion, switching out from any of these CIMB-Principal Lifecycle Funds & CIMB Islamic Kausar Lifecycle Funds into other funds is not allowed.

No switching facility is available for CIMB-Principal Multi-Maturity Income Fund 1 (formerly Multi-Maturity Income Fund 1), CIMB Islamic Commodities Structured Fund 1, CIMB Islamic Commodities Structured Fund 2, CIMB-Principal Opportunistic Bond Fund, CIMB-Principal China Recovery Structured Fund and CIMB-Principal Strategic Income Bond Fund as they are closed ended funds. Hence Switching Fee is not applicable.

 

How is the switching of Funds processed?

An investor will redeem out of Fund A at redemption/bid price and come in to Fund B at Fund B's Net Asset Value (NAV) rounded UP to the nearest quarter cent.

What prices do we apply in a switch?

Take for example, an investor who switches from Fund A to Fund B. The bid/buying price of Fund A will be used to convert the units to a Ringgit value amount. The NAV of Fund B will then be used to convert the value in Ringgit back to units of Fund B.

Why does the unit price fall after a distribution?

Income earned by the Fund during the financial year is accrued in its units price until the end of the distribution period. When an income distribution is declared, any interest income and realised capital profits are paid to unitholders. Consequently, the Fund's net asset value per unit, and therefore the application (offer) and withdrawal (bid) prices, will tend to fall by approximately the same amount as the income distribution.

If an investor chooses to reinvest their distributions, at what unit price and date will it be executed at?

The reinvestment of the distributions will be at the NAV price, after distribution payout, at the last business day of the year. The Income Plus Fund declares two distributions a year. Distributions are reinvested at the NAV price, after distribution payout, at the last business day in June and December.

What will happen to monies not claimed by investors - distribution or withdrawal?

Unclaimed monies - after 12 months, the Trustee will credit to the Consolidated Trust account and lodge it with the Registrar which will be held for a further 12 months to enable owners of the monies to collect.

All Info is from http://www.cwealthadvisors.com.my/

Interested? Fill in the below form :

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