Sales Kit Backup 1

Create, Protect & Preserve

“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”

CIMB Wealth Advisors Bhd

Create, Protect & Preserve

Sept 20, 1991 to Sept 21, 2001 FD : 6.07% EPF : 7.34% Unit Trust : 8.09% Top 10 Unit Trust : 24.43%

Average Returns of 10 years* *source : Micropal. Extracted from Smart Investor (Nov. 2001 issue)

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










Benefits of Unit Trust Investment

Create, Protect & Preserve

5.

4.

3.

ESTABLISH INVESTMENT TARGET

2.

Create, Protect & Preserve

Do not emotional or greedy. MINIMISE your RISK.

EXIT WHEN TARGET IS MET

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

MONITOR & REVIEW

Invest CONSISTENTLY and REGULARLY to potentially REDUCE your cost per unit.

BE AN ACTIVE INVESTOR

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

ADOPT MID TO LONG-TERM VIEW

1.

by Dr. Niki Shuhada Shukor NSG Premier Consultants Founder

5 Key Principle On How To Profit From Unit Trust

14.4 years

RM100,000

7.2 years

RM200,000

7.2 years

RM400,000

RM200,000

Create, Protect & Preserve


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

72/10 = 7.2 years

CIMB WA Return (Unit trust) 10%

RM100,000

72/5 (5% return) = 14.4 years

Investment Return 5%

Rule 72

Time period to DOUBLE up your money

10-15% p.a 4-6% p.a 7-8% p.a 3% p.a 1-2% p.a

Others Unit Trust Company

Insurance Company

ASB

Fixed Deposit

Bank Accounts Create, Protect & Preserve

10-15% p.a

CIMB WA UNIT TRUST

Potential Rate of Return

A Comparison of Wealth Creation Instruments

No

No

No

Yes

No

YES

Distribution to Nominee within 30 days

Create, Protect & Preserve

6. Protection of the investment objectives

5. Distribution to the beneficiaries will be paid in Lump Sum ; or if he is minor, to the guardian

4. Provide Immediate Liquidity to beneficiaries in the event of premature / mature death of unit holder

3. Creditor Protection (Subject to Bankruptcy Act 1967)

2. Avoid Probate ; Delay, Cost, Damage

1. Distribution issue addressed from the onset

Benefits of Trust Nomination

ASB

Returns ONLY through DIVIDEND NO TRUSTEE CANNOT choose FUNDS IN HOUSE fund managers BUYING at COUNTERS & NO MONITORING

Bank Rakyat

Returns ONLY through DIVIDEND CANNOT choose FUNDS Mode of operation is FIXED INCOME IN HOUSE fund managers Put LESS than 23% on EQUITY DIVIDEND given will be PRO-RATED NO MONITORING by consultant

o o o o

CIMB Wealth Advisors Returns through DIVIDEND, BONUS & CAPITAL GAIN
CAN choose FUNDS
Mode o operation is CAPITAL GAIN
PROFESSIONAL independent fund managers
MORE in EQUITY (>60%)
DIVIDEND given is at FULL RATE
MONITORING by COMMITED consultant
Has TRUSTEE to monitor activities
CAN choose FUNDS
The amount of savings is 100% will be purely for investment purposes
Using DOLLAR COST AVERAGING to accumulate wealth, a PROVEN METHOD of good investing
ASSET ALLOCATION to


Create, Protect & Preserve

CANNOT choose FUNDS IN HOUSE fund managers DIVIDEND given will be PRO-RATED NOT ADVISABLE for REGULAR INVESTMENT Eg : During January 1st Jan – Invest RM10,000 7 Jan – Invest RM2,000 15 Jan – Invest RM8,000 If ASB decide to declare DIVIDEND or BONUS, the calculation will base on the LOWEST figure of the month (RM2000)

o o o o o

o o o o o o o

Fixed Deposit / EPF

Savings Comparison

Create, Protect & Preserve

Reason Why We Don’t Look Short Term

Create, Protect & Preserve

Reason Why We Have to Look Long Term

Create, Protect & Preserve

Asset Allocation

investing money in various asset classes or markets

0.40

0.78

6 months 12 months

0.4500 0.400 0.5300 0.5500 0.6393 0.6900

200 200 200 200 200 200

Jun Jul Aug Sep Oct Nov

0.6948 3498.87

Net Asset Value (NAV) price per unit Market Value (b)

9.34%

298.87

5034.54 Total units owned

Unrealize Gain/ Loss (c=b-a)

3,200 Total invested (a)

5,035.54

5,035.54

4,765.27

4,475.42

4,162.57

3,798.94

3,421.58

2,921.58

2,477.13

2,119.99

1,792.12

1,528.96

1,282.05

Total Units Created

RM

270.27

289.86

312.84

363.64

377.36

500.00

444.44

357.14

327.87

263.16

246.91

1,282.05

Monthly Units Purchased

Summary

0.6266

0.5600

200

May

3,200

0.6100

200

Apr

Total

0.7600

200

Mar

0.7400

0.8100

200

Feb

200

0.7800

1,000

Jan

Dec

Unit Offer Price RM

Amount Invested RM

Month

Returns (%) Create, Protect & Preserve

I N V E S T

C O N S I S T E N T L Y

Dollar Cost Averaging (DCA)

Create, Protect & Preserve

Dollar Cost Averaging (DCA)

Create, Protect & Preserve

Dollar Cost Averaging (DCA)

Time

Usually the balanced and income funds provide regular distribution.

In order for you to make profit, you need a fund that gives out regular distributions with strong track record.

RM 1.00 per unit

Cost per unit (Buy)

Example :

8%

469,016

46,610

21,589

14,693

*not including possible capital gains

Create, Protect & Preserve *numbers are in units not RM

71,067

50

14,802

10

21,911

12,167

5

29

4%

Years

1,173,909

67,275

25,937

16,105

10%

2,890,022

96,463

31,058

17,623

12%

How 10,000 units grow without adding another cent by compounding dividend payouts and unit splits

The POWER of Compounding

If total unit is 10,000 units, so Net profit is RM1,000 from RM 10,000

RM 0.10 per unit @ 10%

Profit (Capital Gain)

RM 1.10 per unit

Redemption price (Sell)

CAPITAL GAIN

The Road to PROFIT

- Dividend - Cost per unit

- Unit split 15% - Cost per unit

18 Sept 1998

25 June 1999

= RM0.8392

= 1,554 extra units = RM10,000 / 11,916 units

= RM0.9650 @ 10,362 units

= 3.5 cent per unit = RM1.00 – RM0.035

= 10,000 units = RM1.00

Create, Protect & Preserve

- Invest RM10,000 / RM1.00 (SP) - Cost per unit

3.5 cent per unit 15 : 100 units split 12 : 100 units split 10 : 100 units split

10 Sept 1998

Calculation Example

18 Sept 1998 25 June 1999 16 Oct 2000 10 Dec 2001

Savings Fund Distribution History

How Distributions LOWER Your Cost AUTOMATICALLY

The Road to PROFIT

Cost per unit become LOWER

Create, Protect & Preserve


11 out of 15 TOP unit trust funds are from CIMB Wealth Advisors!!...

YTD Performance Comparison (CIMB WA vs Public)

Create, Protect & Preserve

5,500

6,050

6,655

7,321

8,053

8,858

9,744

10,718

11,790

12,929

14,266

15,692

17,261

18,987

20,886

22,975

25,272

27,800

30,580

33,637

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

5,000

1

Year

67,275

61,159

55,599

50,545

45,950

41,772

37,975

34,523

31,384

28,531

25,937

23,579

21,436

19,487

17,716

16,105

14,641

13,310

12,100

11,000

10,000

336,375

305,795

277,996

252,724

229,749

208,862

189,875

172,614

156,921

142,656

129,687

117,897

107,179

97,436

88,578

80,526

73,205

66,550

60,500

55,000

50,000

Create, Protect & Preserve

134,550

122,318

111,198

101,089

91,899

83,545

75,950

69,045

62,769

57,062

51,875

47,159

42,872

38,974

35,431

32,210

29,282

26,620

24,200

22,000

20,000

672,750

611,591

555,992

505,447

459,497

417,725

379,750

345,227

313,843

285,312

259,374

235,795

214,359

194,872

177,156

161,051

146,410

133,100

121,000

110,000

100,000

Projected Return at 10%

Lump Sum Investment

3,363,750

3,057,955

2,779,959

2,527,235

2,297,486

2,088,624

1,898,749

1,726,136

1,569,214

1,426,558

1,296,871

1,178,974

1,071,794

974,359

885,781

805,255

732,050

665,500

605,000

550,000

500,000

6,727,500

6,115,909

5,559,917

5,054,470

4,594,973

4,177,248

3,797,498

3,452,271

3,138,428

2,853,117

2,593,742

2,357,948

2,143,589

1,948,717

1,771,561

1,610,510

1,464,100

1,331,000

1,210,000

1,100,000

1,000,000

5,750.00

6,612.50

7,604.38

8,745.03

10,056.79

11,565.30

13,300.10

15,295.11

17,589.38

20,227.79

23,261.96

26,751.25

30,763.94

35,378.53

40,685.31

46,788.10

63,806.32

61,877.27

71,158.86

81,832.69

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

5,000

1

Year

163,665.37

142,317.72

123,754.54

107,612.64

93,576.21

81,370.62

70,757.06

61,527.88

53,502.50

46,523.91

40,455.58

35,178.76

30,590.23

26,600.20

23,130.61

20,113.57

17,490.06

15,208.75

13,225.00

11,500.00

10,000

818,326.87

711,588.58

618,772.68

538,063.20

467,881.04

406,853.08

353,785.29

307,639.38

267,512.51

232,619.57

202,277.89

175,893.81

152,951.14

133,000.99

115,653.04

100,567.86

87,450.31

76,043.75

66,125.00

57,500.00

50,000

Create, Protect & Preserve

327,330.75

284,635.43

247,509.07

215,225.28

187,152.42

162,741.23

141,514.12

123,055.75

107,005.00

93,047.83

80,911.15

70,357.53

61,180.46

53,200.40

46,261.22

40,227.14

34,980.13

30,417.50

26,450.00

23,000.00

20,000

1,636,653.74

1,423,177.16

1,237,545.36

1,076,126.40

935,762.09

813,706.16

707,570.58

615,278.76

535,025.01

465,239.14

404,555.77

351,787.63

305,902.29

266,001.99

231,306.08

201,135.72

174,900.63

152,087.50

132,250.00

115,000.00

100,000

Projected Return at 15%

Lump Sum Investment

8,183,268.70

7,115,885.82

6,187,726.80

5,380,632.00

4,678,810.44

4,068,530.81

3,537,852.88

3,076,393.81

2,675,125.05

2,326,195.70

2,022,778.87

1,758,938.15

1,529,511.43

1,330,009.94

1,156,530.38

1,005,678.59

874,503.13

760,437.50

661,250.00

575,000.00

500,000

16,366,537.39

14,231,771.65

12,375,453.61

10,761,264.00

9,357,620.87

8,137,061.63

7,075,705.76

6,152,787.62

5,350,250.11

4,652,391.40

4,045,557.74

3,517,876.29

3,059,022.86

2,660,019.88

2,313,060.77

2,011,357.19

1,749,006.25

1,520,875.00

1,322,500.00

1,150,000.00

1,000,000

Annual Income

@ 8% (RM)

10,000

20,000

30,000

40,000

50,000

60,000

70,000

80,000

90,000

100,000

120,000

140,000

160,000

Critical Mass

(RM)

125,000

250,000

375,000

500,000

625,000

750,000

875,000

1,000,000

1,125,000

1,250,000

1,500,000

1,750,000

2,000,000

13,333

11,667

10,000

8,333

7,500

6,667

5,833

5,000

4,167

3,333

2,500

1,667

833

100,000,000

50,000,000

25,000,000

20,000,000

10,000,000

8,000,000

7,000,000

6,000,000

5,000,000

4,000,000

3,500,000

3,000,000

2,500,000

(RM)

Critical Mass

Create, Protect & Preserve

@ 8% (RM)

Monthly Income

8,000,000

4,000,000

2,000,000

1,600,000

800,000

640,000

560,000

480,000

400,000

320,000

280,000

240,000

200,000

@ 8% (RM)

Annual Income

666,667

333,333

166,667

133,333

66,667

53,333

46,667

40,000

33,333

26,667

23,333

20,000

16,667

@ 8% (RM)

Monthly Income

TO CREATE AN EFFECTIVE FINANCIAL PLAN, YOU MUST DETERMINE HOW MUCH “CRITICAL MASS” YOU NEED TO ACHIEVE YOUR DESIRED ANNUAL LIFETIME INCOME

ANTHONY ROBBINS – Wealth Mastery

1 2 3 4 5 6 7 8 9 10 11 12

YEAR(S)

1 2 3 4 5 6 7 8 9 10 11 12

YEAR(S) EPF 106,000 112,360 119,100 126,250 133,820 141,850 150,360 159,390 168,950 179,090 189,284 201,824

FD / Tbg Haji 104,000 108,160 112,940 116,990 121,670 126,530 131,590 136,860 142,330 148,020 153,941 160,098

ASB 108,000 116,640 125,971 136,048 146,931 158,685 171,379 185,089 199,896 215,887 233,157 251,809

8%

EPF 212,000 224,720 238,203 252,495 267,644 283,702 300,724 318,767 337,893 358,166 379,655 402,434

FD / Tbg Haji 208,000 216,320 224,972 233,970 243,328 253,061 263,183 273,710 284,658 296,044 307,885 320,200

ASB 216,000 233,280 251,942 272,097 293,864 317,373 342,762 370,182 399,796 431,779 466,321 503,626

8%

Create, Protect & Preserve

6%

4%

10% to 15%

CIMB W e alth Advisors 220,000 ~ 230,000 242,000 ~ 264,500 266,200 ~304,175 292,820 ~ 349,801 322,102 ~ 402,271 354,312 ~ 462,611 389,743 ~ 532,002 428717 ~ 611,802 471588 ~ 703,572 518746 ~ 809,107 570620 ~ 930,473 627682 ~ 1,070,043

10% to 15%

RM 200,000

CIMB W e alth Advisors 110,000 ~ 115,000 121,000 ~ 132,250 133,100 ~ 152,087 146,410 ~ 174,900 161,050 ~ 201,135 177,160 ~ 231,305 194,870 ~ 266,000 214,360 ~ 305,900 235,800 ~ 351,785 235,800 ~ 404,552 285,309 ~ 465,234 313,839 ~ 535,019

% PROFIT PER ANNUM (RM)

INVEST M ENT AM OUNT :

6%

4%

% PROFIT PER ANNUM (RM)

Power Of Compounding Interest

1 2 3 4 5 6 7 8 9 10 11 12

YEAR(S) EPF 530,000 561,800 595,508 631,238 669,112 709,258 751,813 796,920 844,740 844,800 949,145 1,006,093

FD / Tbg Haji 520,000 540,800 562,432 584,929 608,326 632,659 657,965 684,290 711,660 740,120 769,724 800,512

ASB 540,000 583,200 629,856 680,244 734,663 793,436 856,910 925,462 999,498 1,079,457 1,165,813 1,259,078

8%

Create, Protect & Preserve

6%

4%

CIMB Wealth Advisors 550,000 ~ 575,000 605,000 ~ 661,250 665,500 ~ 760,437 732,050 ~ 874,502 805,252 ~ 1,005,677 885,780 ~ 1,156,528 974,358 ~ 1,330,007 1,071,790 ~ 1,529,508 1,178,970 ~ 1,758,934 1,296,870 ~ 2,022,774 1,426,555 ~ 2,326,190 1,569,210 ~ 2,675,118

10% to 15%

RM 500,000

% PROFIT PER ANNUM (RM)

INVEST MENT AMOUNT :

Power Of Compounding Interest

Create, Protect & Preserve

Create, Protect & Preserve

Create, Protect & Preserve

Create, Protect & Preserve

Create, Protect & Preserve