|FUND PRICE AS OF 05/12/2013|
|CIMB Islamic Al-Azzam Equity Fund||IAEF||0.3043 MYR|
|CIMB Islamic Asia Pacific Equity||IAPEF||0.5803 MYR|
|CIMB Islamic Balanced||IBF||0.4589 MYR|
|CIMB Islamic Balanced Growth||IBGF||0.7046 MYR|
|CIMB Islamic DALI Equity||DALI2||1.2149 MYR|
|CIMB Islamic DALI Equity Growth||DALI||1.4650 MYR|
|CIMB Islamic DALI Equity Theme||DALI3||0.3836 MYR|
|CIMB Islamic Deposit||IDF||1.0003 MYR|
|CIMB Islamic Enhanced Sukuk||IESF||1.0755 MYR|
|CIMB Islamic Equity||IEF||0.8299 MYR|
|CIMB Islamic Equity Aggressive||IEAF||0.8509 MYR|
|CIMB Islamic Global Commodities Equity||IGCEF||0.2389 MYR|
|CIMB Islamic Global Emerging Markets Eq||IGEMF||0.6200 MYR|
|CIMB Islamic Global Equity||CIGEF||0.5390 MYR|
|CIMB Islamic Greater China Equity||IGCEF||0.2738 MYR|
|CIMB Islamic Money Market||IMMF||1.0577 MYR|
|CIMB Islamic Small Cap||ISCF||0.9950 MYR|
|CIMB Islamic Sukuk||ISF||1.3404 MYR|
|CIMB-Principal ASEAN Equity||AEF||0.5105 MYR|
|CIMB-Principal Asia Pacific Dynamic Inc||AIEF||0.3296 MYR|
|CIMB-Principal Asian Equity||APDIF||0.4819 MYR|
|CIMB-Principal Australian Equity||ASEF||0.3094 MYR|
|CIMB-Principal Balanced||CPAEF||0.4966 MYR|
|CIMB-Principal Balanced Income||BF||0.8211 MYR|
|CIMB-Principal Bond||BIF||1.2058 MYR|
|CIMB-Principal China Recovery Struct Inc||BOF||0.5019 MYR|
|CIMB-Principal China-India-Indonesia Eq||CREST||0.2319 MYR|
|CIMB-Principal Deposit||CIIEF||1.0003 MYR|
|CIMB-Principal Equity||MMF||1.8408 MYR|
|CIMB-Principal Equity 2||EF||1.3740 MYR|
|CIMB-Principal Equity Aggressive 1||EF2||0.8987 MYR|
|CIMB-Principal Equity Aggressive 3||EAF1||1.1322 MYR|
|CIMB-Principal Equity Growth & Income||EAF3||1.2785 MYR|
|CIMB-Principal Equity Income||EGIF||1.1967 MYR|
|CIMB-Principal Global Titans||EIF||0.6254 MYR|
|CIMB-Principal Greater China Equity||GTF||0.4905 MYR|
|CIMB-Principal Inc Plus Balanced||GCEF||0.3557 MYR|
|CIMB-Principal Inst Bd 2||IPBF||1.0452 MYR|
|CIMB-Principal KLCI-Linked||KLF||1.2997 MYR|
|CIMB-Principal Money Market Income||XCF||1.0287 MYR|
|CIMB-Principal Small Cap||SCF||0.7119 MYR|
|CIMB-Principal Strategic Bond||SBF||1.1513 MYR|
|CIMB-Principal Strategic Income Bond||SIBF||1.0089 MYR|
|CIMB-Principal Strategic Income Bond 2||SIBF2||1.0514 MYR|
|CIMB-Principal Wholesale Equity||WEF||1.8275 MYR|
|Disclaimer: Data and information in Your Professional Financial Advisor is provided for informational purposes only.Whilst utmost care is taken,Your Professional Financial Advisor shall not be liable for any errors or delays in the content, or for any trading actions taken in reliance thereon.|
Posted by Saharansaiini at 22:55
|PENGELUARAN PELABURAN AHLI MELALUI KWSP :|
|UMUR (TAHUN)||SIMPANAN ASAS (RM)||UMUR (TAHUN)||SIMPANAN ASAS (RM)|
|Ahli boleh mengeluarkan simpanan sepertimana berikut :-|
|20% daripada jumlah simpanan yang melebihi Simpanan Asas dalam Akaun 1|
|Jumlah miminum pengeluaran pelaburan adalah RM1,000.00|
|Jumlah maksimum tidak melebihi 20% daripada jumlah simpanan yang melebihi Simpanan Asas|
|Formula : (Akaun 1 – Simpanan Asas) x 20%|
Posted by Saharansaiini at 23:16
Existing Fund Name
Balanced Returns Fund
CIMB-Principal Balanced Fund
Income Plus Fund
CIMB-Principal Income Plus Balanced Fund
SBB Global Balanced Fund
CIMB-Principal Global Balanced Fund
SBB Retirement Balanced Fund
CIMB-Principal Balanced Growth Fund
SBB Savings Fund
CIMB-Principal Balanced Income Fund
Institutional Bond Fund
CIMB-Principal Institutional Bond Fund
Institutional Bond Fund 2
CIMB-Principal Institutional Bond Fund 2
Lifetime Bond Fund
CIMB-Principal Bond Fund
Multi-Maturity Income Fund 1
CIMB-Principal Multi-Maturity Income Fund 1
SBB Bond Fund
CIMB-Principal Bond Fund 2
SBB Returns Guaranteed Fund Series 1
CIMB-Principal Returns Guaranteed Fund Series 1
Strategic Bond Fund
CIMB-Principal Strategic Bond Fund
Xcess Income Fund
CIMB-Principal Xcess Income Fund
Emerging Asia Fund
CIMB-Principal Emerging Asia Fund
Future Goals Fund
CIMB-Principal Equity Aggressive Fund 3
Global Titans Fund
CIMB-Principal Global Titans Fund
Hidden Treasures Fund
CIMB-Principal Small Cap Fund
SBB Asian Equity Fund
CIMB-Principal Asian Equity Fund
SBB Composite Index Fund
CIMB-Principal KLCI-Linked Fund 2
SBB Crystal Equity Fund
CIMB-Principal Equity Growth Fund
SBB Double Growth Fund
CIMB-Principal Equity Growth & Income Fund
SBB Emerging Companies Growth Fund
CIMB-Principal Small Cap Fund 2
SBB Equity Income Fund
CIMB-Principal Equity Income Fund
SBB Global Growth Fund
CIMB-Principal Global Growth Fund
SBB HGF Sequel Fund
CIMB-Principal Equity Fund 4
SBB High Growth Fund
CIMB-Principal Equity Fund 2
SBB Index-Linked Fund
CIMB-Principal KLCI-Linked Fund
SBB Premium Capital Fund
CIMB-Principal Equity Fund
SBB Sector Rotation Fund
CIMB-Principal Equity Aggressive Fund 2
SBB Strategic Equity Fund
CIMB-Principal Equity Aggressive Fund 1
SBB Value Fund
CIMB-Principal Equity Fund 3
Global Asset Spectra Fund
CIMB-Principal Global Asset Spectra Fund
SBB Money Market Fund
CIMB-Principal Money Market Fund
Xcess Cash Fund
CIMB-Principal Xcess Cash Fund
Global Income Fund
CIMB-Principal Global Income Fund
Existing Fund Name
Lifetime Dana Barakah
CIMB Islamic Balanced Growth Fund
SBB Dana Al-I’tidal
CIMB Islamic Balanced Income Fund
SBB Dana Al-Mizan
CIMB Islamic Balanced Fund
Lifetime Dana Fayyad
CIMB Islamic Short Term Sukuk Fund
Lifetime Dana Wafiq
CIMB Islamic Enhanced Sukuk Fund
SBB Dana Al-Hafiz
CIMB Islamic Sukuk Fund
Asia Pacific Adil Fund
CIMB Islamic Asia Pacific Equity Fund
Lifetime Dana Mubarak
CIMB Islamic Equity Aggressive Fund
SBB Dana Al-Azam
CIMB Islamic Small Cap Fund
SBB Dana Al-Faiz
CIMB Islamic Micro Cap Fund
SBB Dana Al-Hikmah
CIMB Islamic Enhanced Index Fund
SBB Dana Al-Ihsan
CIMB Islamic DALI Equity Growth Fund
SBB Dana Al-Ihsan 2
CIMB Islamic DALI Equity Fund
SBB Dana Al-Ikhlas
CIMB Islamic Equity Fund
Posted by Saharansaiini at 03:17
|Conventional Equity Funds|
|CIMB-Principal Equity Aggressive Fund 1 EPF Approved Funds||EAF1||21|
|CIMB-Principal Equity Aggressive Fund 3 EPF Approved Funds||EAF3||40|
|CIMB-Principal Equity Fund EPF Approved Funds||EF||10|
|CIMB-Principal Equity Fund 2 EPF Approved Funds||EF2||04|
|CIMB-Principal Equity Growth & Income Fund||EGIF||01|
|CIMB-Principal KLCI-Linked Fund||KLF||07|
|CIMB-Principal Small Cap Fund EPF Approved Funds||SCF||75|
|Conventional Mixed Assets Funds|
|CIMB-Principal Balanced Fund EPF Approved Funds||BF||41|
|CIMB-Principal Balanced Income Fund EPF Approved Funds||BIF||03|
|CIMB-Principal Income Plus Balanced Fund EPF Approved Funds||IPBF||42|
|Conventional Fixed Income & Money Market Funds|
|CIMB-Principal Bond Fund EPF Approved Funds||BOF||43|
|CIMB-Principal Deposit Fund EPF Approved Funds||MMF||20|
|CIMB-Principal Money Market Income Fund||MMIF||47|
|CIMB-Principal Strategic Bond Fund EPF Approved Funds||SBF||74|
|Conventional Regional & Global Funds|
|CIMB-Principal ASEAN Equity Fund||ASEAN||35|
|CIMB-Principal Asia Infrastructure Equity Fund||AIEF||B9|
|CIMB-Principal Asia Pacific Dynamic Income Fund||ADIF||E6|
|CIMB-Principal Asian Equity Fund||AEF||31|
|CIMB-Principal Australian Equity Fund||CPAEF||E3|
|CIMB-Principal China-India-Indonesia Equity Fund||CIIEF||E2|
|CIMB-Principal Equity Growth Fund||EGF||16|
|CIMB-Principal Equity Income Fund||EIF||17|
|CIMB-Principal Global Growth Fund||GGF||29|
|CIMB-Principal Global Titans Fund||GTF||59|
|CIMB-Principal Greater China Equity Fund||GCEF||34|
|CIMB-Principal Lifecycle Fund 2017||LF2017||B1|
|CIMB-Principal Lifecycle Fund 2022||LF2022||B2|
|CIMB-Principal Lifecycle Fund 2027||LF2027||B3|
|CIMB-Principal MENA Equity Fund||MENA||B8|
|Conventional Close-ended Funds|
|CIMB-Principal China Recovery Structured Fund||CRSF||C4|
|CIMB-Principal Strategic Income Bond Fund||SIBF||E5|
|CIMB-Principal Strategic Income Bond Fund 2||SIBF2||E9|
|Islamic Equity Funds|
|CIMB Islamic DALI Equity Fund||DALI2||15|
|CIMB Islamic DALI Equity Growth Fund EPF Approved Funds||DALI||05|
|CIMB Islamic DALI Equity Theme Fund EPF Approved Funds||DALI3||B7|
|CIMB Islamic Equity Aggressive Fund EPF Approved Funds||IEAF||44|
|CIMB Islamic Small Cap Fund||ISCF||13|
|Islamic Mixed Asset Funds|
|CIMB Islamic Balanced Fund EPF Approved Funds||IBF||08|
|CIMB Islamic Balanced Growth Fund EPF Approved Funds||IBGF||73|
|Islamic Fixed Income & Money Market Funds|
|CIMB Islamic Deposit Fund||IDF||C6|
|CIMB Islamic Enhanced Sukuk Fund EPF Approved Funds||IESF||76|
|CIMB Islamic Money Market Fund EPF Approved Funds||IMMF||39|
|CIMB Islamic Sukuk Fund EPF Approved Funds||ISF||25|
|Islamic Regional & Global Funds|
|CIMB Islamic Asia Pacific Equity Fund||IAPEF||45|
|CIMB Islamic Equity Fund||IEF||26|
|CIMB Islamic Global Commodities Equity Fund||CIGCEF||C9|
|CIMB Islamic Global Emerging Markets Equity Fund||IGEMF||C3|
|CIMB Islamic Global Equity Fund||CIGEF||38|
|CIMB Islamic Greater China Equity Fund||IGCEF||C5|
|CIMB Islamic Kausar Lifecycle Fund 2017||ILF2017||B4|
|CIMB Islamic Kausar Lifecycle Fund 2022||ILF2022||B5|
|CIMB Islamic Kausar Lifecycle Fund 2027||ILF2027||B6|
|Islamic Close-ended Funds|
|CIMB Islamic Commodities Structured Fund 2||ICSF2||C2|
Posted by Saharansaiini at 02:51
Unit trust funds are also known as mutual funds. These funds fall into 5 primary categories:
- Equity funds, also called growth funds. They invests primarily in stocks up to 95%. Meant for aggressive-risk investors. Has higher volatility and risk-return rewards.
- Income fund, also called bond funds. They invest primarily in corporate or government bonds and debentures up to 90%. Meant for conservative-risk investors. Low volatility. However, if the bonds are forfeited due to non-performance, the fund will also experience loss.
- Balance funds,invests in BOTH stocks and bonds usually in the ratio of 60% :40%. This type of fund is suitable for moderate-risk investors. Medium volatility is due to lesser exposure to stocks.
- Money market funds. They make short-term investments (usually of less than 365 days) and meant for temporary "parking" the liquid funds whilst waiting for opportunities to invest or to sit out a volatile market.
- Capital Guaranteed funds are funds that invests primarily in bonds and have a little exposure in stocks in the approximate ratio of 85% : 15%. These funds are usually open to subscription for a limited period of 30 days only. Investors are expected to lock in their investments for a minimum of 3 years to enjoy the capital guarantee feature.
Every fund in each category has a net asset value (NAV) and each NAV differs daily. The price changes once a day, at 5 pm, when the markets close for the day.
All transactions for the day are executed based on the NAV. The Managers will SELL the units to you based on the NAV plus a Service Charge of between 3% - 10%. They will BUY your units back from you at the NAV price.
Posted by Saharansaiini at 16:08
The objective of equity funds, also called growth funds is to provide capital appreciation over the medium to long term. In our local (Malaysian) context, funds of this category generally invest up to 90% - 95% of its Net Asset Value into stocks and shares of companies listed or unlisted in the KL Stock Exchange or otherwise known as Bursa Malaysia. There are currently more than 900 stocks listed in Bursa Malaysia.
This category of funds will usually have at least 5% in cash or cash-related assets to meet redemption requirements. (Redemption means cashing-out by an investor). Growth schemes are ideal for investors who have a long term outlook of the market and am seeking growth over a period of time.
In Malaysia, Growth Funds has further developed into:
i. Blue-Chip Growth Funds,
ii. Small-Cap Growth Funds,
iii. Sector Growth Funds,
iv. Index-linked Growth Funds.
v. Global Growth Funds.
Growth Funds are suitable for the Aggressive Risk Investor who is willing to take extra risk in order to have a potentially higher capital gains reward. This type of fund can be very volatile due to the high exposure of its' assets in stocks and shares trading.
Posted by Saharansaiini at 16:00
Parking money while waiting for the right opportunity
The aim of money market funds is to provide easy liquidity, preservation of capital and moderate income to the conservative investor.
It is also ideal for corporate and individual investors as a means to park their surplus funds for short periods of even 1 day, whilst waiting for the right opportunity. There is no service charge nor redemption costs.
These funds generally invest in short-term instruments (less than 365 days) such as treasury bills, certificates of deposits, commercial papers and inter-bank call money.
Returns on these funds fluctuate depending upon the interest rates prevailing in the market.
Posted by Saharansaiini at 12:29
For the conservative investor.
This type of funds usually requires you to invest for a period of 3 or 5 years. At the end of the period, your capital is guaranteed.
Capital guaranteed fund is a hybrid fund consisting of bonds which will “grow” to 100% of your capital upon maturity and a small portion in equities to give the fund the “profit”. Unless the bonds issuer defaults, the capital is sure to be preserved.
Income / bond funds
For the conservative investor.
The objective of income funds is to provide regular and steady income to investors.
Such schemes generally invest in fixed income securities such as bonds, corporate debentures and Government securities. Income Funds are ideal for capital stability and regular income.Some risk to such funds are when the bond issuer defaults.
Posted by Saharansaiini at 11:59
Front Load Service Fee.
This is a front-end fee that Unitholders have to pay. The fees normally range between 5%-10%. This charge is also known as the “spread” between the Sell Price and the Buy Price. The bulk of this fee is the agents' commission.
For example, if the spread is a 5% service charge, it means that if you applied to invest RM100,000 into a fund, RM5000 will be deducted as service charge and the balance of RM95,000 will be invested. The RM95,000 is known as the Net Asset Value (NAV).
This fee normally ranges from 1% - 1.5% per annum of the NAV of the Fund and is used to cover the costs of managing your investment. It is used to pay for Administrative costs as well as to pay the Investment Managers. This cost is calculated and accrued daily from the NAV of the Fund and payable monthly to the Fund Manager irregardless of the performance of the Manager.
This fee normally ranges about 0.07% per annum of the NAV of the Fund with a minimum charge of RM18,000 per annum. This fee is used to pay the Trustee for their services, which is primarily to keep watch that the fund is being managed according to the guidelines set out in the Trust Deed. This cost is also calculated daily and is deducted from the NAV of the Fund.
This includes audit fee, tax fee and administration expenses like printing of prospectuses, interim and annual reports, distribution cheques, postage, printing and other services properly incurred in the administration of the fund. These costs are paid out of the fund’s assets.
Posted by Saharansaiini at 11:08
Most front-end load funds do not carry a redemption charge. However some funds like Capital Guaranteed funds do impose redemption charges of 1%-2% if the redemptions are done before the maturity date in order to discourage premature redemptions.
Other funds that do not have a front-end load may have redemption charges that works on a reducing basis. Example, if redemption is done during the 1st year, you pay 3% of the NAV. If redemption is done during the second year, you pay 2%, if done on the 3rd year, you pay 1%, if done after 3 years, you do not pay any fees.
In addition to the above fees, there are also secondary fees like fund switching fee, transfer fees etc. Fund switching is a term used to describe an investor who redeems or sells-off a fund and using the proceeds to invest in another fund which is managed by the same Fund Manager.
Some funds do not impose any fees for the first 2 switches in a calendar year, whilst other allow only 1 free switch. Yet there are also funds that do not allow free switching and there is a charge on every time a switch is made. Such fees are usually mentioned in the fund's prospectus.
Posted by Saharansaiini at 10:53
Are you making profits?
The most accurate measure of a mutual fund's performance is its gross profit or loss. It is the total redemption value minus the capital invested. It's typically reported as percentage return and is derived by dividing the gross profit by the amount of your initial investment.
How can you know whether you have profitted or not? It's simple. This is how you calculate.
You invested RM12,000 into fund ATC at a unit price of RM0.50 a year ago. This purchase will result in your having 24,000 units of the fund. If the manager's current buy price is RM0.52, your current value will be: 24,000 units x RM0.52 buy price per unit = RM12,480. This means your gross profit is RM480.00.
Your gross profit is then: RM480 / RM12,000 = 4%.
If your investment was made 2 years ago and the gross profit is the same i.e. 4%, then your annualized profit is approximately: 4% / 2 years = 2% per annum.
Gross profit % and Annualized profit (ROI% p.a.)
Gross profit is profits without consideration of the duration of investment.
Annualized profit: When the investment duration is for periods longer than a year, the annualized profit is measured by dividing the gross profit with the number of years invested (as in the example above).
Among the key factors that influence gross profit are:
- the direction of the overall market or markets in which the fund is invested,
- the performance of the fund's portfolio of investments, and
- the fund's fees and expenses.
Posted by Saharansaiini at 10:50
Unit trust investing is a convenient and sensible way to build one's wealth in the medium and long term. Investment specialists will manage the investments and spread the risks through careful diversification. There are eight principles which are helpful to you in making a wise decision in unit trust investing.
Posted by Saharansaiini at 22:49