Cimb Unilink Newsletter 3rd 2007

3rd Quarter 2007

Up close and personal with

the winner of Master Builder Award 2007



on page 11

SPECIAL FEATURE

PRODUCTS

EVENTS

Spurring New Growth with New Business Model

Protecting Wealth with Insurance

Premier Awards Night 2007

In This Issue

MESSAGE Optimising Group Synergy

2 50, 52 & 54, Jalan 21/39 Damansara Utama

SPECIAL FEATURE Spurring New Growth with New Business Model

47400 Petaling Jaya Selangor Darul Ehsan

3

Telephone: 03-7712 2888 Agency Hotline: 03-7718 3001

PRODUCTS

Facsmile:

Protecting Wealth with Insurance

5

CIMB-Principal’s First Islamic Structured Fund Sold Out!

5

5 Reasons Why Investors Should Buy Lifecycle Funds 6 Greater China Equity Fund Saw Great Demand By Investors

7

Income Distributions

7

03-7726 5088 www.cimb-wealthadvisors.com

Editor Norzuraida Kamaruddin

All rights reserved. No reproduction is allowed in any form, unless written permission is granted by

EVENTS Premier Awards Night 2007

the publisher. The Editor reserves the right to edit any articles for the

8

Hazfina Binti Mohd Tahir Master Builder Award Winner 2007

11

Spanish Splendour

12

New Look At Melaka Branch

14

Recruitment Under GBOPs

14

sake of clarity.

For enquiries on Unilink articles and contributions, please contact: AGENCY SUPPORT Khor Pei Pei & Choong Poh Wan Tel: 03-7718 5047

TRAINING

E-mail: [email protected]

Building New Rising Stars

15

A Certified Wealth Advisory Programme

16 Unilink 3rd Quarter 2007 

Message

Optimising Group Synergy We started from the humble roots of BHLB Pacific Trust Management. Today we have transformed to CIMB Wealth Advisors and become part of Malaysia’s 2nd largest financial services group. We now operate as the retail distribution arm of Group Asset Management, a business division of CIMB Group. The CIMB Group is a comprehensive full-service bank. It comprises 5 major business divisions – consumer banking, investment banking, treasury, asset management and insurance. As part of such a large entitiy, we need to focus on our business growth and our strategic priorities. At this juncture, it is critical that we see top line growth, synergy extraction and strong recoveries for higher sales performance in a competitive environment. Leading this change are our Agency Force and Financial Planners. Adopting the Group’s Optimisation pillar, we have two key priorities: • Realising the Group synergy • Leveraging on our partners We started the ball rolling in January by collaborating with CIMB Trustee to offer Trust Nomination Service to our investors; preserving wealth of our customers. In February, we explored a cross-selling opportunity with CIMB Islamic by opening the Islamic All Star Global, an Islamic Structured fund for agency referral. We also worked with CIMB Bank Credit Card offering a 3-month Credit Card Regular Investment Campaign (CCRIC) where free-for-life MasterCard was offered to agents and investors in which they were allowed to sign up for regular investment using the credit card. The campaign was a success and we now offer credit card as a payment method for regular investment of Unit Trust. In the 2nd quarter, CIMB Group set up i-Wealth Advisors to enable our consultants to expand our product range to non unit trust products so that they can provide total financial solutions to their customers. A strategic alliance was formed with CIMB Aviva to offer insurance plans (Conventional and Takaful). In the

months to come, there will be other insurance products and packaged products to meet the different needs of our customers at different stages of their lives. CIMB Group is made up of a large team of more than 24,000 staff. We are recognised both in Malaysia and internationally as an award winning company in all areas of excellence such as fund management, investment banking, bond and equity management, Islamic investment banking and many others. With such extensive expertise and recognition, we should strategically leverage on these resources. Besides that, we can also leverage on our other shareholder. Principal Financial Group, our business partner is a leading Fortune 500 diversified global financial services group with AUM worth US$213 billion (as at 30 Mar 2007). As our business partner, Principal can offer us greater global reach and expertise. There are many advantages and benefits to be gained by optimising the Group synergy. Not only can we improve our resources and operation to become more efficient and competitive, but we also get to expand our products and services offerings.

Tan Beng Wah Chief Executive Officer

Unilink 3rd Quarter 2007 

Special Feature

Spurring New Growth with New Business Model As the retail distribution arm for Group Asset Management, CIMB Wealth Advisors has been established based on a unique retail distribution business model. It is our aim to help investors to create, protect and preserve their wealth. Through this new model, our agency force members and financial planners can provide a complete suite of products and services to meet all the financial needs of our customers.

Create Wealth

Protect Wealth

• Insurance • Tax Planning* • Credit Management*

• Unit Trust • Financial Planning • Cash Deposits* - - - -

Preserve Wealth

Structured Deposits Multi-currency Accounts Investment Accounts Property Investment

• Trust Nomination • Will Writing* • Estate Planning* • Post Retirement Planning* * Products in the pipeline

The uniqueness of the model is that it hinges on the ‘Best-of-Breed’ open architecture in distributing unit trust. It operates by forming strategic alliances or business partnership with product manufacturers to distribute the best selection of funds. This open architecture enables us to work with distinguished fund houses such as Hwang-DBS, TA Investment, Pheim Asset Management, OSKUOB and many others. The model also has a multi-product platform that facilitates the distribution of non unit trust products. For this purpose, CIMB Group has set up i-Wealth Advisors Sdn Bhd. Through i-Wealth Advisors, strategic alliances are formed to provide non unit trust products. With these complementary products, our consultants are able to add value to their customers. On top of that they can also forge new revenue streams and increase their own productivity.

Unilink 3rd Quarter 2007 

Special Feature The chart below illustrates the strategic retail distrbution platform.

Multi-Product Strategy Strategic Alliance

Best-of Breed Strategy Distribution Platform

Supermart of non-UT

Strategic Alliance

Supermart of UT

i-Wealth Advisors CIMB-Aviva CIMB Aviva Takaful CIMB Trustee

Form strategic alliance and/or business partnerships with product manufacturers to distribute non-UT financial products

Uniform Incentive Plan

Agency Force Financial Planners

Form strategic alliance and/or business partnerships with product manufacturers to distribute Unit Trust Funds

The multi-product strategy was put into practice early this year with the introduction of Trust Nomination Service. Subsequently, in collaboration with CIMB Aviva Assurance and CIMB Aviva Takaful, we rolled out three insurance products under the Wealth Protector Series exclusively underwritten for the distribution of qualified CIMB Wealth Advisors consultants. Under the multi-product platform, we are optimising the synergy created within the Group to source and collaborate with other business entities to further develop other value added products. With the distribution of the non unit trust products, we have come to a full circle in creating, protecting and preserving wealth of our investors. With the best of breed open architecture and the multi-product platform, we have the competitive advantage over other players in the industry as we are able to provide holistic financial solutions to customers based on their needs at different stages of their lives. With the distribution of non unit trust products, there was also a shift in our sales approach and business operation. Most importantly is the preparation of the agency force in embracing the new business model and preparing them with the knowledge, skills and professional qualifications to sell the products. We have started the ball rolling by giving intensive training to our agency force and registering the consultants for PCEIA exams and CEILI exams. Concurrently we developed the Wealth Advisory Training Course to cater for a flexible multi-product sales approach. We strongly believe your perseverance in embracing this new direction will bring you to a greater height of your career. By equiping yourself with the skills and qualifications in selling unit trust, insurance and other financial instruments, you have the advantage to offer better financial solutions to your customers. This will potentially bring you better income. On top of that, customers who are satisfied with your value-added service will also be your repeated and loyal customers. Henceforth, it is crucial for each and every one of you to embrace the new business model. Upgrade your career by upgrading your skills and professional qualifications. By doing so, you are reinventing yourself through differentiation. By being a multi-product distributor, you are forging better revenue opportunities for yourself. Together, let us work towards making your career to the next level.

Unilink 3rd Quarter 2007 

Products

Protecting Wealth with Insurance On May 7, three basic plans (Conventional and Takaful) – Wealth Protector Perdana, Wealth Protector Premier and Wealth Protector Senior were launched in collaboration with CIMB Aviva Assurance and CIMB Aviva Takaful. These three basic plans were exclusively designed for the protection of the wealth and assets of CIMB Wealth Advisors’ customers. Since then we have complemented the life insurance with additional benefits provided through Critical Illness, Comprehensive Accident, Hospital Income and Surgical Fee Riders to give a comprehensive suite of protections to your customers. The benefits of insurance plans: • Protect customers’ lives • Complement their investments • Protect customers during their golden years • Ensure protection for customers’ family In conjunction with the launch of the insurance products, we also kicked off Fun in the Sun Campaign where you can earn your ticket(s) to Bali! The campaign runs until 21 December and all you have to achieve is minimum premiums of RM48,000 (FYAP) and at persistency rate of 80% at the end of campaign period. Take this opportunity to fortify your portfolio by leveraging on CIMB Group’s breadth of products and services.

‘Fun In The Sun’ Campaign

CIMB-Principal’s First Islamic Structured Fund Sold Out! The CIMB Islamic Structured Growth Fund was launched on 28 May with 400 million units and in just over 3 weeks the Fund was sold out. To meet investors demand the fund size was increased with additional 200 million units. The fund was closed in July with total sales of RM 575.7 million and 20% was taken by customers of CIMB Wealth Advisors. The fund is a close-ended Islamic structured fund and it aims to provide investors with capital growth over the tenure of the Fund while providing principal protection when held to maturity, through investment that conforms to Syariah principles. The fund adopts a ‘Best Performing Strategy’ that generates profit based on the best performer among four strategies investing in Islamic equities, commodities and properties. Besides that, it also offers tax exemption advantage whereby capital gains are tax-exempted.

Unilink 3rd Quarter 2007 

Products

5 Reasons Why Investors Should Buy Lifecycle Funds On 12 July, three conventional Lifecycle Funds and three Islamic Kausar Lifecycle Funds with differing maturity periods were launched.

CIMB-Principal’s Lifecycle Funds: 1. CIMB-Principal Lifecycle 2017 2. CIMB-Principal Lifecycle 2022 3. CIMB-Principal Lifecycle 2027

1. Lower Volatility – each of the funds has built-in diversification investing in different asset classes (i.e. liquid assets, local bonds, foreign bonds, local equities, developed equities, emerging equities and local/foreign REITS). 2. Good Investment Strategy – asset allocation that gradually changes during the Funds’ tenure in line with investor’s risk appetite. For example, as the Fund approaches maturity, allocation to less volatile assets such as bonds will help lock in some of the profits made in the critical years The review of asset allocation is carried out on annual basis.

CIMB Islamic Kausar Lifecycle Funds: 1. CIMB Islamic Kausar Lifecycle 2017 2. CIMB Islamic Kausar Lifecycle 2022 3. CIMB Islamic Kausar Lifecycle 2027 Lifecycle funds were the fastest growing type of funds among retirees in the USA. In Malaysia, these types of funds are very new in the market. They are designed for the convenience of investors to simply invest their money in the one fund that offers built-in diversification, ease of use, and automatic rebalancing. Our Lifecycle Funds (including Islamic Kausar Lifecycle Funds) are suitable for investors who seek long term investment plans spanning over 10, 15 and 20 years in preparing for their children’s education, additional personal retirement savings or unds future savings. ycle F r Lifec Kausa lamic Is B cle CIM Lifecy ausar

Following are five (5) reasons why investors should buy Lifecycle Funds:

3. Good Investment Plan for Education and Retirement – the funds provide investors with capital growth through a well-diversified and evolving asset allocation matching the time horizon of investment. 4. Hassle-free – The funds are managed by Fund Managers who review and rebalance the investment portfolio according to target weights, taking into consideration the market st? I Inve expectation, benefits How doand cost of rebalancing. n1 Optio

ent 0 vestm RM1,00 sum in ent of lump vestm With itial in um in - minim

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Unilink 3rd Quarter 2007 

Products

Greater China Equity Fund Saw Great Demand By Investors CIMB-Principal Greater China Equity Fund

comprehensive

nal investors in suit the needs income funds.

ure between the

e CIMB Group, 500 diversified

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rkan rangkaian

titusi-institusi di

of People’s Republic of China, Hong Kong SAR and Taiwan companies. The Fund will also maintain up to a maximum of 5% of its NAV in liquid assets.

With the Easy Investment Plan, you can make regular monthly investments of RM100 or more, directly from

CIMB-Principal Greater China Equity Fund aims Asset Management to achieve medium to long Manager term capitalCIMB-Principal growth Berhad Application Fee Up to 5.50% ofof the NAV per primarily through investment in a portfolio unit. Managementto Fee & theManagement fee: Up to 1.80% equity securities with exposure Greater Trustee Fee p.a. of NAV of the Fund. �������i��i�a�� ���at�� �hi�a ���it�� F��d fee: 0.08% p.a. Wo�ks to Yo��region V���� ����fit consisting of the People’s Trustee China Republic (excluding foreign custodian Invests in an award-winning Schroders Investment fee) of the NAV of the Fund, of China, Kong and Taiwan. In other words, Management fund with Hong proven performance subject to a minimum of Quick and easy access to the equity markets of RM18,000 p.a. Greater China region it is a feeder fund investing at least 95% of its NAV Distribution Frequency Given its investment objective, Potentially higher returns over the long term the Fund is not expected to Hassle free without the need to open foreign in the Schroder ISF Greater China pay any distribution. accounts

ntuk memenuhi

With investment exposure focused exclusively on the rising equity markets of the People’s Republic of China, Hong Kong SAR and Taiwan, the CIMB-Principal Greater China Equity Fund gives you privileged access to the region’s upside potential by riding on its increasing dominance in the global economy. Best of all, Asia’s treasures are now within reach with a single investment!

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Q�i�k ��id� How do � ��v�st? CIMB-Principal Greater China Equity Fund launched on 12 June was snapped up by D�s��i�tio� O�tio� 1 investors within two weeks. In fact, it was so well accepted by investors that the fund size Fund Category / Type Feeder Fund / Growth With ���m� s�m i�v�stm��t - minimum initial investment of RM1,000. Investment Strategy The Fund is was increased three times. The first increase was approved on 2 July where the units were a feeder fund which invests at least 95% of its NAV in the Schroder ISF increased from 300 million units to 450 million units. Two weeks later, it was further increased O�tio� 2 Greater China (a LuxembourgThe CIMB-Principal Greater China Equity Fund allows domiciled fund) which invests With th� �as�� ��v�stm��t ���a� to 550 units 3 August, to 700 million units. you access right intomillion the heart of Greater China and via the subsequently onprimarily in equity securities - minimum initial investment of RM1,000. What is �������i��i�a�� ���at�� �hi�a ���it�� F��d?

Want an investment that is strategically concentrated on the Greater China region, offering insights into the region’s exciting prospects as global market leaders of the future? How about the opportunity to secure a piece of the region’s future that can no longer be excluded from any globally diversified investment portfolio?

Affordability with minimum investment of RM1,000 only

Cooling-off Period

an account held with a pre-approved bank or by providing us with at least six post-dated cheques.

Wh��� Do � ��v�st? To invest or for more information, kindly contact our Client Service Representatives. Call us at (603) 2084 2200 E-mail us at [email protected] Visit us at www.cimb-principal.com.my

6 business days from the date the application form is received and accepted by the Manager (for first-time individual investor only).

This Fund best suits investors who: Switching Policy The minimum amount for each switch is RM1,000 or such • Wish to participate in the upside of the amounts as the Manager may from time to time decide. Greater China markets • Want to seek medium to long term capital appreciation on their investments • Want to invest in established fund managed by renowned fund manager

(304078-K)

Income Distributions For the second quarter of 2007, four funds were declared with income distribution.

SBB Strategic Equity Fund

SBB Double Growth Fund

Distribution date

SBB HGF Sequel Fund

Xcess Cash Fund

Distribution date

Distribution date

Distribution date

6 April 2007

18 May 2007

Income distribution

Income distribution

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7 sen

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Unilink 3rd Quarter 2007 

Events

Premier Awards Night 2007 One for the album…(left to right): Kim Thean Soo, Chan Kok Hin, Peter Miller, Dato’ Steven Yeap, Tunku Dato’ Ahmad Burhanuddin, Noripah Kamso, Raja Noorma Raja Othman, Tan Beng Wah, Pearl Wong, Wong Joon Hian, and Cam Tupling.

CIMB Wealth Advisors honoured its top achievers during the Premier Award Night 2007 on March 18. With the theme “Egypt – The ‘MAGIX’ Returns”, the event, held at KLCC Convention Centre was attended by more than 1,000 guests. The Guest of Honor for the nite was Tunku Dato’ Ahmad Burhanuddin, Chairman of CIMB Wealth Advisors and Executive Director of CIMB Bank. The event marked a new milestone as it is the inaugural celebration under the new brand name CIMB Wealth Advisors. It was a prestigious celebration where 237 outstanding achievers were recognised. In joining the jovial celebration, many consultants and guests came dressed according to the Egytian theme. The colourful and creative costumes was a sight to behold! The evening soared towards a higher note when our single, double and triple qualifiers were called to the stage to receive their awards. In between the awards presentations, there were dance performances and a superb show by Adibah Noor. Cheerings from the audience were heard when guests with the most flamboyant costumes were called on stage for the Best Dressed Contest. The evening reached its grand finale with the grand entrance of Fiona Tahir where she was crowned as 2007 Master Builder Award Winner. The evening has been a magical night filled with prestigious awards, colourful flamboyant costumes, great entertainment and finally left us with happy memory until the next Premier Awards night.

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Unilink 3rd Quarter 2007 

Events

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Unilink 3rd Quarter 2007 

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Unilink 3rd Quarter 2007 10

Events

Up close and personal with the

winner of Master Builder Award 2007 Hazfina Binti Mohd Tahir Winner of Master Builder Award 2003 & 2007 It was a sweet taste of victory for Fiona Tahir to be announced as the winner for Master Builder Award 2007. “I first received the award in the year 2003 and ever since that I have always wanted to win the award again. Four years later my wish is finally granted,” said the Group Agency Manager of Charisma Agency. Master Builder award is the highest award that any consultant can win for the year and the winner is assessed on four important areas. • Number of Direct Premier Club 2007 qualifiers • Number of Direct New Recruits - ranked Unit Trust Consultants and Agency Supervisor who produced RM30,000 personal sales during the contest period. • Number of new promotions (special promotion not counted) - from direct Agency Supervisor to Agency Manager and Direct Agency Manager to Group Agency Manager only. • Total Group Sales - must be at laest RM40 million. “I would like to dedicate my winning to my family and colleagues especially those in Charisma Agency.” added Fiona. She concluded by thanking them for their support and enthusiasm, and urged them to keep up their good work.

Unilink 3rd Quarter 2007 11

Events

Spanish Splendour! Hola Espanol! Our Premier Club qualifiers flew off to the land of Bullfights and Flamenco in March/April this year for a well-deserved 5-STAR holiday. The 7-day-4-night Madrid trip was a dream come true for many of them who worked hard to qualify for the trip. The qualifiers were immediately whisked off upon reaching Madrid for a tour of the main attractions in the city such as the Espana Square, Puerta del Sol, Cortes Square and Neptune Fountain from the comfort of their coach. They were also given some time to explore the nearby sights on foot but the cold air prevented many from straying too far from the warmth of the coach. After tucking in a hot lunch, the qualifiers had the pleasure of visiting the Royal Palace. The local guides did a good job in explaining the functions of the many rooms in the palace and its history. Everyone had an early night after dinner, hoping to overcome jetlag with a good night’s sleep. The second day proved to be a thrilling one as the qualifiers ventured out of Madrid and were driven to Toledo, one of the most important centers of medieval European history. The fortified town looked awesome from the strategic spot where the coach stopped for photo taking sessions. The alleys and closely built buildings exuded mysterious air that is embedded deep in history. The qualifiers had a great time exploring the narrow streets, listening to the stories of the buildings, appreciating the medieval architecture and simply absorbing its culture and atmosphere.

Unilink 3rd Quarter 2007 12

Events Lunch was a memorable affair where the qualifiers were treated to seafood paella and live performances of traditional songs in a dining hall which overlook the beautiful view of Toledo. Next on the itinerary was a short journey to the Valley of the Fallen, completed in 1959 by General Franco to commemorate those who died on both sides during the Spanish Civil War (19361939). As the coach snaked the winding road and drew closer to the destination, the 500 feet high cross on the peak of the Sierra de Guadarrama came into sight. The magnificence of it only dawned on our qualifiers after they got down from the coach and came face to face with the entrance to the Basilica. The enormity of the whole place, the perfect Basilica’s architecture, and the fact that it was carved out of the mountain was an experience not to be missed. The Basilica is also the resting place of General Franco. The next day promised an equally exciting trip for our qualifiers. Avila, a World Heritage site, is another walled city with its first wall built in 3rd century BC. It is also the birth place of Saint Teresa de Jesus and is made up of Renaissance churches and palaces. Our qualifiers then proceeded to the Palacia Valderrabano Restaurant for lunch with an ambiance fit for royalties.

The final leg of the day’s trip was to Segovia. On the way, moving windmills dotted the landscape. The first thing our qualifiers did upon arriving here was to feast their eyes on the Alcazar, the source of inspiration for Walt Disney’s castle. They then roam freely amongst the twisting alleyways and the pedestrian streets in which no vehicles are allowed. The tour of Segovia ended at the world’s renowned, largest and best preserved Roman Aqueduct. At night, some of our more culturally-adventurous qualifiers went for flamenco shows which could easily be found within the city’s vicinity. Our qualifiers’ last day in Madrid was a “Shop Till You Drop” spree. Being experienced shoppers, they raided the most expensive boutiques, which dominates the colourful streets of Sol and thronged the affordable departmental store, El Cortes Ingles throughout the day.

Adios Spain & Hasta La Vista!

Unilink 3rd Quarter 2007 13

Events

New Look for Melaka Branch Melaka branch took on a new look of CIMB Wealth Advisors on 8 June. The new signage was officiated by the CEO of CIMB Wealth Advisors, Tan Beng Wah, accompanied by the Senior Vice President of West Malaysia Regional Office, Chung Yoon Shan.

Recruitment under GBOPs The chart below shows the results of the first three GBOPs held earlier this year. 16

Butterworth

1st GBOP 2nd GBOP 3rd GBOP

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The 3rd GBOPs held in June showed record breaking results with Ipoh and Kuala Lumpur achieving the highest number of particitants signing up. We hope to see greater results in subsequent GBOPs!

Unilink 3rd Quarter 2007 14

Training

Building New Rising Stars BUILDING NEW RISING STARS (BNRS) is an enhanced development programme that is exclusively designed for new consultants. The programme’s objective is to develope outstanding sales professional by cultivating high pay-off activities and consistent sales monitoring to increase productivity proficiency. Courses offered under the BNRS include a 2-day Professional Advisory Selling Skill Programme (PASS) and a 12-week monitoring programme. To enroll in this programme, participants are required to fulfill two pre-requisites: (1) Passed FMUTM with LO number, and (2) Passed Product Fundamental. The proud line up of some BNRS graduates. BNRS’s sales approach is very customer-oriented and it emphasizes on providing value-added services to customers. Besides that, BNRS is also focused on developing evergreen consultants who want to build long term career with CIMB Wealth Advisors. Since BNRS was rolled out in September 2006, the sales achievements of the different batches of BNRS were apparent (see Chart 1). With BNRS, we are setting the right professional path for the agency force and our new consultants are guided and motivated to be the Rising Stars. To all our new consultants, do not miss the boat in joining the BNRS. For more details of the training schedule, contact our Performance Development Department.

Chart 1: BNRS Achievements 6,000,000 + 418%

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Butterworth (B2) Sales Achieved

Unilink 3rd Quarter 2007 15

Training

A Certified Wealth Advisory Programme

WATC pioneer group… If you believe the winds of change is blowing hard in this industry, and you can benefit more from riding the wind, Wealth Advisory Training Course (WATC) is the programme for you. Developed by experienced planners, this prestigious programme is designed for consultants who want to change the way they do business and keep their competitive edge. Designed to be flexible, the programme offers the followings: • A product sales approach • A single need sales approach, or • A total financial solution approach With this programme, you are equipped to approach any customers at any time. With WATC, you can: Stay Competitive • Stand out from other unit trust agents • Get more new clients • Existing clients will trust you more Value Added Your Service • Upsell to existing clients • Cross-sell to existing clients • More referrals from new/existing clients…. Earn More Income • Better AUM, passive income from trailer commission • Up-selling and cross-selling to existing clients • Higher potential of prospects turning into your clients • Clients who trust you will invest more • Get more referrals

We did it! Certificate recognition in completing the training. This is a certification programme. A Certificate of Competency will be awarded to consultants who attend all 4 days and complete a simple assignment. Requirements: • Passed FMUTM • Passed PCEIA Exam • Attended PASS • Attended PFP Hurry up! Stay ahead in your business by signing up NOW! For more information, please contact your ADC or branch office.

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