CIMB Wealth Advisors Bhd

“The Key to
WINNING INVESTMENT STRATEGY
is Not So Much to Choose
the Right Stock or Fund
BUT to
Choose the Right Asset Mix and then
Stick to it”

Create, Protect & Preserve

 Benefits of Unit Trust Investment

Higher Return @ Profit per annum

Professional Investment Services ; peace of mind

Diversification Opportunities ; Asset Allocation

Islamic Investment Option

Affordable, Liquidity & Convenience

Trust Nomination

Corporate Investment Friendly (TAX EXEMPTED)
Tax in Fixed Deposit
E.g.
RM1,000,000 (Amount Invested) x 3% (Gross Annual Return) = RM30,000
Nett Annual Returns
[RM30,000 – 28%(Tax)] / RM1,000,000 x 100% = 2.16% only

Average Returns of 10 years*

Sept 20, 1991 to Sept 21, 2001
FD : 6.07% *source : Micropal. Extracted from
Smart Investor (Nov. 2001 issue)
EPF : 7.34%
Unit Trust : 8.09%
Top 10 Unit Trust : 24.43%
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Create, Protect & Preserve
 5 Key Principle On
How To Profit From Unit Trust
by Dr. Niki Shuhada Shukor
NSG Premier Consultants Founder

1. ADOPT MID TO LONG-TERM VIEW

2. ESTABLISH INVESTMENT TARGET
You must set your objectives and goals. (10-15% returns) to know when to exit

3. BE AN ACTIVE INVESTOR
Invest CONSISTENTLY and REGULARLY to potentially REDUCE your cost per unit.

4. MONITOR & REVIEW

Know the outcome of your investment periodically in order to determine the status of
investment and the next course of action.

5. EXIT WHEN TARGET IS MET

Do not emotional or greedy. MINIMISE your RISK.

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 Time period to DOUBLE up your money
Rule 72
Investment Return 5%
72/5 (5% return) = 14.4 years

14.4 years
RM100,000 RM200,000

CIMB WA Return (Unit trust) 10%

72/10 = 7.2 years

7.2 years 7.2 years

RM100,000 RM200,000 RM400,000

In CIMB WA Unit Trust, only 7.2 years will DOUBLE your money
and ANOTHER 7.2 years will become RM400,000..!!!

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 A Comparison of
Wealth Creation Instruments

Potential Distribution to
Rate of Nominee
Return within 30 days

CIMB WA UNIT TRUST 10-15% p.a YES

Others Unit Trust Company 10-15% p.a No
Insurance Company 4-6% p.a Yes
ASB 7-8% p.a No
Fixed Deposit 3% p.a No
Bank Accounts 1-2% p.a No

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Benefits of Trust Nomination
1. Distribution issue addressed from the onset
2. Avoid Probate ; Delay, Cost, Damage
3. Creditor Protection (Subject to Bankruptcy Act 1967)
4. Provide Immediate Liquidity to beneficiaries in the event of
premature / mature death of unit holder
5. Distribution to the beneficiaries will be paid in Lump Sum ; or if he
is minor, to the guardian
6. Protection of the investment objectives

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 Savings Comparison
Fixed Deposit / EPF CIMB Wealth Advisors
o Returns ONLY through DIVIDEND
Returns through DIVIDEND,
o CANNOT choose FUNDS
o Mode of operation is FIXED INCOME
BONUS & CAPITAL GAIN
o IN HOUSE fund managers
CAN choose FUNDS
o Put LESS than 23% on EQUITY
Mode o operation is CAPITAL
o DIVIDEND given will be PRO-RATED
o NO MONITORING by consultant GAIN

PROFESSIONAL independent fund
Bank Rakyat managers
o Returns ONLY through DIVIDEND
MORE in EQUITY (>60%)
o NO TRUSTEE

DIVIDEND given is at FULL RATE
o CANNOT choose FUNDS
o IN HOUSE fund managers
MONITORING by COMMITED
o BUYING at COUNTERS & NO MONITORING consultant

Has TRUSTEE to monitor activities
ASB

CAN choose FUNDS
oCANNOT choose FUNDS
The amount of savings is 100% will
oIN HOUSE fund managers
oDIVIDEND given will be PRO-RATED be purely for investment purposes
oNOT ADVISABLE for REGULAR INVESTMENT
Using DOLLAR COST
Eg : During January
1st Jan – Invest RM10,000
AVERAGING to accumulate wealth,
7 Jan – Invest RM2,000 a PROVEN METHOD of good
15 Jan – Invest RM8,000 investing
If ASB decide to declare DIVIDEND or BONUS,
the calculation will base on the LOWEST
ASSET ALLOCATION to
figure of the month (RM2000)

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Reason Why We Don’t Look Short Term

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Reason Why We Have to Look Long Term

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 investing money in various asset
Asset Allocation classes or markets

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 Amount Unit Offer Monthly
Dollar Cost Averaging Total Units
Month Invested Price Units
Created
RM RM Purchased
(DCA)
Jan 1,000 0.7800 1,282.05 1,282.05
Feb 200 0.8100 246.91 1,528.96
C
Mar 200 0.7600 263.16 1,792.12
O
N Apr 200 0.6100 327.87 2,119.99

S May 200 0.5600 357.14 2,477.13

0.78
I Jun 200 0.4500 444.44 2,921.58
S Jul 200 0.400 500.00 3,421.58
T Aug 200 0.5300 377.36 3,798.94
E
Sep 200 0.5500 363.64 4,162.57
N
Oct 200 0.6393 312.84 4,475.42
T
L Nov 200 0.6900 289.86 4,765.27
0.40 Y Dec 200 0.7400 270.27 5,035.54
Total 3,200 0.6266 5,035.54
I
Summary RM
N
V Total invested (a) 3,200

E Total units owned 5034.54

S Net Asset Value (NAV) price per unit 0.6948
T Market Value (b) 3498.87
6 months 12 months
Unrealize Gain/ Loss (c=b-a) 298.87
Returns (%) 9.34%
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Dollar Cost Averaging (DCA)

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Dollar Cost Averaging (DCA)

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 The Road to PROFIT
CAPITAL GAIN
Example : Redemption price (Sell)
RM 1.10 per unit

Profit (Capital Gain)

RM 0.10 per unit @ 10%
If total unit is 10,000 units, so
Net profit is RM1,000 from
RM 10,000
Cost per unit (Buy)
RM 1.00 per unit Time
The POWER of Compounding
How 10,000 units grow without adding another cent by compounding
dividend payouts and unit splits
In order for you to make profit, you need Years 4% 8% 10% 12%
a fund that gives out regular distributions 5 12,167 14,693 16,105 17,623
with strong track record.
10 14,802 21,589 25,937 31,058
Usually the balanced and income funds 29 21,911 46,610 67,275 96,463
provide regular distribution.
50 71,067 469,016 1,173,909 2,890,022
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*numbers & Preserve
are in units not RM
*not including possible capital gains
 The Road to PROFIT
How Distributions LOWER Your Cost AUTOMATICALLY
Savings Fund Distribution History
18 Sept 1998 3.5 cent per unit
25 June 1999 15 : 100 units split
16 Oct 2000 12 : 100 units split
10 Dec 2001 10 : 100 units split

Calculation Example
10 Sept 1998 - Invest RM10,000 / RM1.00 (SP) = 10,000 units
- Cost per unit = RM1.00

18 Sept 1998 - Dividend = 3.5 cent per unit

- Cost per unit = RM1.00 – RM0.035
= RM0.9650
@ 10,362 units

25 June 1999 - Unit split 15% = 1,554 extra units

- Cost per unit = RM10,000 / 11,916 units
Cost per unit become LOWER

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= RM0.8392
YTD Performance Comparison (CIMB WA vs Public)

11 out of 15 TOP unit trust funds are from CIMB

Wealth Advisors!!...
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Create, Protect & Preserve
 Lump Sum Investment
Year Projected Return at 10%
5,000 10,000 20,000 50,000 100,000 500,000 1,000,000
1 5,500 11,000 22,000 55,000 110,000 550,000 1,100,000
2 6,050 12,100 24,200 60,500 121,000 605,000 1,210,000
3 6,655 13,310 26,620 66,550 133,100 665,500 1,331,000
4 7,321 14,641 29,282 73,205 146,410 732,050 1,464,100
5 8,053 16,105 32,210 80,526 161,051 805,255 1,610,510
6 8,858 17,716 35,431 88,578 177,156 885,781 1,771,561
7 9,744 19,487 38,974 97,436 194,872 974,359 1,948,717
8 10,718 21,436 42,872 107,179 214,359 1,071,794 2,143,589
9 11,790 23,579 47,159 117,897 235,795 1,178,974 2,357,948
10 12,929 25,937 51,875 129,687 259,374 1,296,871 2,593,742
11 14,266 28,531 57,062 142,656 285,312 1,426,558 2,853,117
12 15,692 31,384 62,769 156,921 313,843 1,569,214 3,138,428
13 17,261 34,523 69,045 172,614 345,227 1,726,136 3,452,271
14 18,987 37,975 75,950 189,875 379,750 1,898,749 3,797,498
15 20,886 41,772 83,545 208,862 417,725 2,088,624 4,177,248
16 22,975 45,950 91,899 229,749 459,497 2,297,486 4,594,973
17 25,272 50,545 101,089 252,724 505,447 2,527,235 5,054,470
18 27,800 55,599 111,198 277,996 555,992 2,779,959 5,559,917
19 30,580 61,159 122,318 305,795 611,591 3,057,955 6,115,909
20 33,637 67,275 134,550 336,375 672,750 3,363,750 6,727,500
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 Lump Sum Investment
Year Projected Return at 15%
5,000 10,000 20,000 50,000 100,000 500,000 1,000,000
1 5,750.00 11,500.00 23,000.00 57,500.00 115,000.00 575,000.00 1,150,000.00
2 6,612.50 13,225.00 26,450.00 66,125.00 132,250.00 661,250.00 1,322,500.00
3 7,604.38 15,208.75 30,417.50 76,043.75 152,087.50 760,437.50 1,520,875.00
4 8,745.03 17,490.06 34,980.13 87,450.31 174,900.63 874,503.13 1,749,006.25
5 10,056.79 20,113.57 40,227.14 100,567.86 201,135.72 1,005,678.59 2,011,357.19
6 11,565.30 23,130.61 46,261.22 115,653.04 231,306.08 1,156,530.38 2,313,060.77
7 13,300.10 26,600.20 53,200.40 133,000.99 266,001.99 1,330,009.94 2,660,019.88
8 15,295.11 30,590.23 61,180.46 152,951.14 305,902.29 1,529,511.43 3,059,022.86
9 17,589.38 35,178.76 70,357.53 175,893.81 351,787.63 1,758,938.15 3,517,876.29
10 20,227.79 40,455.58 80,911.15 202,277.89 404,555.77 2,022,778.87 4,045,557.74
11 23,261.96 46,523.91 93,047.83 232,619.57 465,239.14 2,326,195.70 4,652,391.40
12 26,751.25 53,502.50 107,005.00 267,512.51 535,025.01 2,675,125.05 5,350,250.11
13 30,763.94 61,527.88 123,055.75 307,639.38 615,278.76 3,076,393.81 6,152,787.62
14 35,378.53 70,757.06 141,514.12 353,785.29 707,570.58 3,537,852.88 7,075,705.76
15 40,685.31 81,370.62 162,741.23 406,853.08 813,706.16 4,068,530.81 8,137,061.63
16 46,788.10 93,576.21 187,152.42 467,881.04 935,762.09 4,678,810.44 9,357,620.87
17 63,806.32 107,612.64 215,225.28 538,063.20 1,076,126.40 5,380,632.00 10,761,264.00
18 61,877.27 123,754.54 247,509.07 618,772.68 1,237,545.36 6,187,726.80 12,375,453.61
19 71,158.86 142,317.72 284,635.43 711,588.58 1,423,177.16 7,115,885.82 14,231,771.65
20 81,832.69 163,665.37 327,330.75 818,326.87 1,636,653.74 8,183,268.70 16,366,537.39
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 ANTHONY ROBBINS – Wealth Mastery
TO CREATE AN EFFECTIVE FINANCIAL PLAN, YOU MUST DETERMINE HOW
MUCH “CRITICAL MASS” YOU NEED TO ACHIEVE YOUR DESIRED ANNUAL
LIFETIME INCOME

Critical Mass Annual Income Monthly Income Critical Mass Annual Income Monthly Income
(RM) @ 8% (RM) @ 8% (RM) (RM) @ 8% (RM) @ 8% (RM)
125,000 10,000 833 2,500,000 200,000 16,667
250,000 20,000 1,667 3,000,000 240,000 20,000
375,000 30,000 2,500 3,500,000 280,000 23,333
500,000 40,000 3,333 4,000,000 320,000 26,667
625,000 50,000 4,167 5,000,000 400,000 33,333
750,000 60,000 5,000 6,000,000 480,000 40,000
875,000 70,000 5,833 7,000,000 560,000 46,667
1,000,000 80,000 6,667 8,000,000 640,000 53,333
1,125,000 90,000 7,500 10,000,000 800,000 66,667
1,250,000 100,000 8,333 20,000,000 1,600,000 133,333
1,500,000 120,000 10,000 25,000,000 2,000,000 166,667
1,750,000 140,000 11,667 50,000,000 4,000,000 333,333
2,000,000 160,000 13,333 100,000,000 8,000,000 666,667

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 Power Of Compounding Interest
% PROFIT PER ANNUM (RM)
YEAR(S) 4% 6% 8% 10% to 15%
FD / Tbg Haji EPF ASB CIMB W e alth Advisors
1 104,000 106,000 108,000 110,000 ~ 115,000
2 108,160 112,360 116,640 121,000 ~ 132,250
3 112,940 119,100 125,971 133,100 ~ 152,087
4 116,990 126,250 136,048 146,410 ~ 174,900
5 121,670 133,820 146,931 161,050 ~ 201,135
6 126,530 141,850 158,685 177,160 ~ 231,305
7 131,590 150,360 171,379 194,870 ~ 266,000
8 136,860 159,390 185,089 214,360 ~ 305,900
9 142,330 168,950 199,896 235,800 ~ 351,785
10 148,020 179,090 215,887 235,800 ~ 404,552
11 153,941 189,284 233,157 285,309 ~ 465,234
12 160,098 201,824 251,809 313,839 ~ 535,019

INVEST M ENT AM OUNT : RM 200,000

% PROFIT PER ANNUM (RM)
YEAR(S)
4% 6% 8% 10% to 15%
FD / Tbg Haji EPF ASB CIMB W e alth Advisors
1 208,000 212,000 216,000 220,000 ~ 230,000
2 216,320 224,720 233,280 242,000 ~ 264,500
3 224,972 238,203 251,942 266,200 ~304,175
4 233,970 252,495 272,097 292,820 ~ 349,801
5 243,328 267,644 293,864 322,102 ~ 402,271
6 253,061 283,702 317,373 354,312 ~ 462,611
7 263,183 300,724 342,762 389,743 ~ 532,002
8 273,710 318,767 370,182 428717 ~ 611,802
9 284,658 337,893 399,796 471588 ~ 703,572
10 296,044 358,166 431,779 518746 ~ 809,107
11 307,885 379,655 466,321 570620 ~ 930,473
12 320,200 402,434 503,626 627682 ~ 1,070,043
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 Power Of Compounding Interest
INVEST MENT AMOUNT : RM 500,000
% PROFIT PER ANNUM (RM)
YEAR(S) 4% 6% 8% 10% to 15%
FD / Tbg Haji EPF ASB CIMB Wealth Advisors
1 520,000 530,000 540,000 550,000 ~ 575,000
2 540,800 561,800 583,200 605,000 ~ 661,250
3 562,432 595,508 629,856 665,500 ~ 760,437
4 584,929 631,238 680,244 732,050 ~ 874,502
5 608,326 669,112 734,663 805,252 ~ 1,005,677
6 632,659 709,258 793,436 885,780 ~ 1,156,528
7 657,965 751,813 856,910 974,358 ~ 1,330,007
8 684,290 796,920 925,462 1,071,790 ~ 1,529,508
9 711,660 844,740 999,498 1,178,970 ~ 1,758,934
10 740,120 844,800 1,079,457 1,296,870 ~ 2,022,774
11 769,724 949,145 1,165,813 1,426,555 ~ 2,326,190
12 800,512 1,006,093 1,259,078 1,569,210 ~ 2,675,118

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Create, Protect & Preserve
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