Cimb Lifecycle Kausar

CIMB-PRINCIPAL LIFECYCLE FUNDS & CIMB ISLAMIC KAUSAR LIFECYCLE FUNDS

The investment you can depend on for life

FOR INTERNAL CIRCULATION ONLY

CIMB-PRINCIPAL LIFECYCLE FUNDS & CIMB ISLAMIC KAUSAR LIFECYCLE

FACT SHEET 1

An Investment Series That Prepares You For Life’s Every Occasion

The CIMB-Principal Lifecycle Funds series and CIMB Islamic Kausar Lifecycle Funds series aim to provide investors with capital growth through a well-diversified and evolving asset allocation. Each Fund seeks to achieve its investment objective by investing in different combinations of the asset classes – equities, fixed income securities and properties. As the Fund approaches maturity, allocation to less risky assets such as bonds will increase. Funds

Asset Class

CIMB-Principal Lifecycle 2017 CIMB-Principal Lifecycle 2022 CIMB-Principal Lifecycle 2027

CIMB Islamic Kausar Lifecycle 2017 CIMB Islamic Kausar Lifecycle 2022 CIMB Islamic Kausar Lifecycle 2027

Equities

Local equities Developed equities Emerging equities

Fixed Income Securities

Liquid assets Local bonds Foreign bonds

Properties

Local/ foreign REITs

Equities

Shariah permissible local equities Shariah permissible developed equities Shariah permissible emerging equities

Fixed Income Securities

Local/ foreign Sukuk Shariah permissible liquid assets

Properties

Shariah permissible local/ foreign REITs.

CIMB-Principal Lifecycle 2017 (10 Year) Investment Strategy* Evolution of Asset Allocation

Onset

Year 5

Developed Equities 25%

Emerging Equities 3%

Developed Equities 15%

Local/Foreign REITs 13%

Emerging Equities 5% Local/Foreign REITs 5% Local Equities 30%

Liquid Assets 5%

Liquid Assets 5% Local Equities 24%

Local Bonds 15%

Local Bonds 20% Foreign Bonds 20%

Foreign Bonds 15%

To accommodate investor’s evolving risk tolerance as the Fund progresses towards maturity

CIMB-Principal Lifecycle 2022 (15 Year) Investment Strategy* Evolution of Asset Allocation Emerging Equities 10% Local/Foreign REITs 5% Liquid Assets 5% Local Bonds 10% Foreign Bonds 10%

Onset

Year 5 Developed Equities 30%

Emerging Equities 5% Local/Foreign REITs 8%

Developed Equities 25% Emerging Equities 5%

Local/Foreign REITs 5% Liquid Assets 5% Local Equities 30%

Local Bonds 15% Local Equities 30% Equities decrease Fixed Income/Property increase

Foreign Bonds 15%

Year 10 Developed Equities 17% Local Equities 25%

Liquid Assets 5%

Local Bonds 20% Equities decrease even more

Foreign Bonds 20%

Fixed Income/Property increase even more

To accommodate investor’s evolving risk tolerance as the Fund progresses towards maturity

FUNDS THE INVESTMENT YOU CAN DEPEND ON FOR LIFE CIMB-Principal Lifecycle 2027 (20 Year) Investment Strategy* Evolution of Asset Allocation

Onset

Year 5 Developed Equities 30%

Emerging Equities 10%

Developed Equities 28%

Emerging Equities 9% Local/Foreign REITs 6%

Local/Foreign REITs 5%

Equities decrease

Liquid Assets 5%

Liquid Assets 5%

Fixed Income/Property increase

Local Bonds 10%

Local Bonds 12%

Foreign Bonds 10%

Eq ui tie In s co de m cr e/ ea Pr se op fu er rt ty he in r cr ea se fu rt he r

Local Equities 30%

Year 10 Developed Equities 25%

Year 15 Developed Equities 20%

Emerging Equities 5% Local/Foreign REITs 10%

Local/Foreign REITs 8% Liquid Assets 5%

Equities decrease even more Fixed Income/Property increase even more Local Equities 25%

Local Bonds 15%

Foreign Bonds 12%

Fi xe d

Emerging Equities 7%

Local Equities 28%

Local Equities 20%

Liquid Assets 5%

Local Bonds 20% Foreign Bonds 20%

Foreign Bonds 15%

To accommodate investor’s evolving risk tolerance as the Fund progresses towards maturity

Source: CIMB-Principal

*corresponding Shariah-compliant investment strategy for CIMB Islamic Kausar Lifecycle Funds

2

Key Features Long-term investment plan to see you through the milestones in life such as marriage, education and retirement Asset allocation that gradually changes during the Funds’ tenure in line with your risk appetite A series of 3 funds, conventional and Shariah, for your selection to match your investment horizon

3

Charges & Commissions

Description

Rate

Annual Management Fee

1.80%

Trustee Fee

0.08%

Application Fee

Up to 6.50%

Withdrawal Fee

2nd year - Up to 0.5%

1st year - Up to 1.0% Subsequent years - Nil

Important It is important to note that the target year of the Fund you select should not necessarily represent the specific year you intend to draw your investments. This serves as a guide only. You should also realize that the Funds are not a complete solution to your cash flow needs. You must weigh many factors such as retirement needs, lifestyle needs and so forth. When in doubt, please consult your financial advisor.

For further information on how to invest, please enquire at your nearest CIMB Wealth Advisors branch or call 03-7718 3000 during business hours.

Disclaimer This document is provided to you for information purposes only and should not be construed as an offer or a solicitation of an offer to purchase or subscribe. This document is strictly for internal circulation only and may not be reproduced, distributed or published by any recipient for any other purpose. The information contained herein has been derived from sources believed to be reliable and is current as at the date of publication. No representation or warranty is made by the Manager nor is there acceptance of any responsibility or liability made as to the accuracy, completeness or correctness of the information contained herein. Expressions of opinion contained herein are those entirely of the Manager and are subject to change without prior notice. Persons wishing to rely upon this information should consult directly with the source of information or obtain professional advice. Prospective investors are advised to read and understand the contents of the prospectus and consider the fees and charges involved before investing. The price of units and distributions payable, if any, may rise or fall and past performance of a fund is not indicative of its future performance. Product of: