Unit trusts are collective investment schemes where investors with similar objectives pool their resources together to gain better synergy and investment opportunities through a professional fund manager. Your money is diversified into various instruments such as equities, bonds and money market instruments according to the fund’s objectives. Unit trusts offer a convenient way to gain exposure into different investment opportunities ranging from local to regional or global markets, which can potentially bring you higher returns compared to traditional deposits. For CIMB Prime Plan customer, enjoy 0.1 Bonus Point for every RM1 investment. Please click here for more information on CIMB Prime Plan.

Tenure
Recommended Investment Timeframe: Medium to long term

Potential Interest
Returns are based on the performance of funds, which varies from fund to fund.

Minimum Investment Amount
Initial Investment: *RM1,000
Subsequent Investment: *RM100 – RM200

*Varies according to funds.

Eligibility

•	18 years old & above
•	Malaysian or Permanent Resident or non-Permanent Resident (with work permit)

Structured investments can provide returns that are linked to the performance of an underlying benchmark such as equities, commodities, real estate, foreign exchange, etc. It generally comes with a capital protection or guarantee feature, which eliminates the downside risk, if the investment is held to maturity. For CIMB Prime Plan customer, enjoy 0.1 Bonus Point for every RM1 investment. Please click here for more information on CIMB Prime Plan.

Tenure
Medium Term: 3 to 5 years
Long Term: 5 years and above

Potential Interest
Returns based on the performance of an underlying benchmark such as equities, commodities, real estate, etc.

Minimum Investment Amount
Structured Product:
Minimum RM 250,000, and in further multiples of RM 50,000

FRNID:
Minimum RM 65,000 and in further multiples of RM 5,000

NID-i:
Minimum RM 65,000 and in further multiples of RM 5,000

Eligibility

•	18 years old & above
•	Malaysian or Permanent Resident or non-Permanent Resident (with work permit)

Bonds are instruments issued by corporations or governments to meet their financing needs. Retail Bonds are normally considered a safe choice and is issued with a credit rating from RAM or MARC. You receive an agreed-upon interest which is usually higher than  fixed deposit rates, at a pre-determined frequency until maturity. At maturity, you receive the face value of the bond papers. You also have the flexibility to redeem your investments any time, subject to market prices. For CIMB Prime Plan customer, enjoy 0.1 Bonus Point for every RM1 investment. Please click here for more information on CIMB Prime Plan.

Tenure
Long dated ranging from 10 years to perpetual bonds.

Potential Interest

•	Varies from one issue to another.
•	Coupon is usually fixed and paid semi-annually

Minimum Investment Amount
RM250,000 (in further multiples of RM50,000)

Eligibility

•	21 years old & above
•	Malaysian or Permanent Resident or non-Permanent Resident (with work permit)

An Investment-linked insurance plan is a life insurance that combines investment and protection. The premiums provide not only a cover life insurance but part of the premiums will also be invested in specific investment funds. For CIMB Prime Plan customer, enjoy 0.1 Bonus Point for every RM1 investment. Please click here for more information on CIMB Prime Plan.

Tenure
Medium Term: 3 to 5 years
Long Term: 5 years and above

Potential Interest


Minimum Investment Amount


Eligibility
Investments must be a minimum of RM25,000 and in further multiples of RM1,000 thereafter.

•	An investment instrument that locks-in the highest returns at maturity.
•	It combines the flexibility of a savings account with the earning power of an investment account.
•	Ideal for long-term goals of 15 years or more.
•	For CIMB Prime Plan customer, enjoy 0.1 Bonus Point for every RM1 investment. Please click here for more information on CIMB Prime Plan.

Tenure
15, 20, 25 or 30 years

Potential Interest
Highest market price achieved throughout the chosen product tenure, when held till maturity.

Minimum Investment Amount
RM50

Eligibility

Gives you the opportunity to invest in selected unit trust funds while diversifying your investment portfolio with a higher Fixed Deposit interest rate. There are up to 3 different Fixed Deposit tenures to help you maximise your money.

Tenure
Fixed Deposit Tenure: 1, 3 and 6 months

Potential Interest
Fixed Deposit interest rate earns up to *44.85% per annum.

Minimum Investment Amount
Minimum Investment: RM5,000*

60:40 ratio (60% FD and 40% unit trusts)

Terms & conditions apply

Eligibility

•	18 years old & above
•	Malaysian or Permanent Resident or non-Permanent Resident (with work permit)

CIMB is the first bank to offer unit trust investments online. Available to CIMB Clicks customers who have a unit trust account with CIMB. Enjoy lower sale charges ranging from 0% to 2.5%. Investment advice is also available online to help you choose the right funds that suit your risk appetite.

Tenure
Recommended Investment Timeframe: Medium to long term

Potential Interest
Lower sales charges ranging from 0% to 2.5%.

Terms & conditions apply.

Minimum Investment Amount
Initial Investment:
RM1,000*

Subsequent Investment:
RM100 – RM 200 (varies according to funds)

Terms & conditions apply.

Eligibility

•	18 years old & above
•	Malaysian or Permanent Resident or non-Permanent Resident (with work permit)
•	CIMB Clicks customers who have a unit trust account with CIMB

A plan that suggests that you invest on a regular basis during good and bad times so as to lower your cost of investment in the long run. This is the concept of Dollar Cost Averaging. By using this disciplined investment strategy with a long-term investment horizon, you will be able to average out the ups and downs of the market.

Tenure
Recommended Investment Timeframe: Medium to long term

Potential Interest
Potentially higher than Fixed Deposit interest rate.

Minimum Investment Amount
Initial Investment:
RM1,000*

Subsequent Investment: Bbr>RM100 – RM200 (varies according to funds)

Terms & conditions apply.

Eligibility

•	18 years old & above
•	Malaysian or Permanent Resident or non-Permanent Resident (with work permit)