Six Simple Steps to Investing with CIMB Wealth Advisors

1. Define your investment goals
>> For retirement/education/Hajj & Umrah/travel/marriage/buy property

2. Decide your time horizon and risk tolerance
>> 'By the end of 10 years, I want to have RM 100000 for my son to enter University in United Kingdom'

>> 'I wanted to get married when I am 27 years old (which is 5 years from now)'

>> Unit trust is medium to long term investment (3/5/7 years) and the fund risk is differ for every listed funds.

3. Understand the products and decide what suits your investment portfolio

4. Practise asset allocation
>> Asset allocation is a diversification technique that aims to create an optimal portfolio of investments across asset classes for a given level of risk. The theory behind this is that every asset class has different correlation to its counterparts.

>> Never put all eggs in one basket. Build your investment portfolio through asset diversification.

5. Practise regular investment
>> In CIMB wealth advisor, monthly investment and savings could be as low as RM200.

6. Review and rebalance your investment portfolio from time to time
>> Here, the importance of having agent that could provide the information of your investment.

Dividend distribution for DALI2 & Principal Equity Fund

Below is the dividend declaration for 2 funds :

1)CIMB Islamic Dali Equity Fund (a.k.a DALI2)
>> 5 cents for each unit holds by investor.
>> for investment before 12May 2010

2)CIMB Principal Equity Fund
>> 6.5 cents for each unit holds by investor
>> for investment before 4June 2010

For your understanding, below is the example of calculation.

If you new and wanted to invest RM 10000, and current NAV for DALI2 is 1.1063,
> number of you will receive is RM10000/1.065/1.1063 = 8487.45 units
> number of dividend you will receive is 8487.45 * 5cents = RM 424.37

You don't have to invest for at least one year before you you get dividend.If you invest before date stated,you can enjoy dividend distribution with CIMB Wealth Advisor.

Further info,kindly contact me at 012 2110960

Dana Al-Ihsan 1&2

"Introducing....The most performing fund in CIMB Wealth Advisor....."

DALI 1 !! And.......

Summary:
>> Return for 3-year is 39.51% (average return = 13.17 % p.a. !!!)

>> Example of Holdings being invested :
Axiata Group Berhad, Sime Darby Berhad, Tenaga Nasional, IOI Corporation Berhad, PETRONAS Dagangan Berhad

>>Example of sector allocation :
Industrial Products (43.73%), Telecommunications (11.50%),Oil&Gas (7.29%)

>>Award :
BEST ISLAMIC FUND in The International Takaful Awards 2009

DALI 2 !!

Summary :
>> Return for 5-year is 71.1%(average return = 14.22% p.a. !!!!)

>> Example of Holdings being invested :
Axiata Group Berhad, Sime Darby Berhad, Tenaga Nasional, IOI Corporation Berhad, Maxis Communication Berhad.

>>Example of sector allocation :
Industrial (21.67%), Basic Materials(11.31%),Technology (10.48%)

>>Investment style :
-Exposed to international market.
-In 2006, it had started to invest in Asia Pacific,example in JAPAN

Awards received

Basic concept of Total Wealth Solution By CIMB Wealth Advisor

Do you have what it takes to 'Create,Protect&Preserve' you, your family and beloved one?

Wealth Creation:

- Do you want to buy your own car, house and other properties?

- Vacation to Paris, Rome and other parts of world are among your wish list?

- According to reliable research study, average retired people could only spend RM400 - RM700 a month to ensure that their EPF savings could last until they reach 75 years old. That is one of the reason why retired people has to have part time work to help them to survive after their retirement. Do you think that amount is enough in this world that will gradually inflate? Don't you want to settle down and relax after your retirement?

- Who to blame when you can't afford your children's higher education? Don't your children deserve better education?

- Planning to perform Umrah & Hajj in 10 years time with savings RM200 a month?

Wealth Protection:

- Do you have source of income until your retirement should you involved in severe accident?

- Do your family have alternative incomes should you as the only breadwinner, suffer Total Permanent Disabilty (TPD) that prevent you to perform any jobs?

- Do you inherit debts to your family instead of wealth? Will this ease burden to your beloved family?

Wealth Preservation:
- Amanah Raya is still holding uncollected inheritance estimated about RM8 billion. Why do this happen?Because many of the dead peoples does not nominate any beneficieries to inherit their wealth.Sadly, most of the uncollected inheritance is for Malay.

- Process of Faraid takes many years to be process? Hassle, tiring, & costly inheritance process?

If you agree/disagree or need further explanation about Total Wealth Solution concept by CIMB Wealth Advisor,I can be reach at 012 211 0960.

Certification by FIMM

A proof of certified unit trust consultant

FAQ Unit Trust

1) What is Unit Trust

A collective investment scheme, which pools the savings of investors with similar investment objectives in a special "trust" fund; managed by professional fund managers. The pooled monies in the unit trust fund will then be invested in a diversified portfolio of securities and other assets in accordance with the unit trust fund's investment objectives and as permitted under the Securities Commission's (SC) Guidelines on Unit Trust Funds.

2) Advantages of Unit Trust

• Offer diversification
  Investors can own units of a portfolio that comprise many investments. The unit trust investors are protected from volatility through the bigger number and wider range of stocks in the unit trust portfolio.
  

• High liquidity
  Most people want to invest in instruments that allow them to get their money out quickly. By buying an investment that has low liquidity or cannot be easily sell is not a good investment. Ideally, the investment can be easily sold and cashed within a short period of time.

Unit trust schemes provide this high liquidity benefit. Under the Guidelines on Unit Trust Funds, whenever an investor wants to cash his units, the unit trust management company must pay the proceeds of repurchasing the units as soon as possible, at most within 10 days of receiving the order to repurchase.

• Professional Management
  People who invest in unit trusts get the service of professional fund managers.Unit trust schemes enjoy the depth of knowledge and experience from designated fund managers. Their expertise help investors generate above average investment returns.



• Investment Exposure
  Unit trust schemes provide alternative for small investor to invest in real estate, international securities and corporate bonds using minimal amount of money.As an example, if you have RM1000 to invest, definitely you won't be able to buy one lot of stock of a company that is selling at RM5000 per lot. Rather than having to buy the whole chunk, unit trust schemes allow small investors to a small portion according to the amount he has to invest. You can therefore tailor the amount of your investment according to the amount of money you have at your disposal.



• Low Investment Costs
  If you buy shares directly from the stock market, you have to pay transaction costs such as broker commissions. Percentage-wise, this is higher than the amount paid by large institutional investors such as the fund managers of unit trusts. Unit trust fund managers invest in large amounts. This allows them to get access to institutional rates of return. Small investor have no access to this if you invest in the market directly.
  
  

3) Disadvantages of Unit Trust

• Time Horizon
  Unit trusts are generally medium to long-term investments,which may not suit all investors.



• Volatility
  Prices fluctuate daily according to market movements,may not suit all investors’ needs.
  


• Cost involved
  Because professionals administer unit trusts, there are certain costs involved.