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.

CIMB Bank’s Dual Currency Investment (DCI) gives you an opportunity to earn potentially higher returns as compared to your regular deposits. DCI offers you the flexibility of choosing your preferred investment currency and an alternate currency. Upon maturity, you will receive the principal plus interest earned in either your investment currency or the alternate currency, at the pre-agreed exchange rate.

Tenure
Ranging from 1 week, 2 weeks and 1 month

Potential Interest
Returns based on the chosen currency and tenure

Minimum Investment Amount

• RM250,000
• For individual investors with a declaration of total net personal assets exceeding RM3,000,000 or its equivalent, the investment amount can be a minimum of RM50,000
• For corporate investors with a declaration of total net personal assets exceeding RM10,000,000 or its equivalent, the investment amount can be a minimum of RM50,000

Eligibility

• Individual investors: Malaysian or Permanent Resident or non-Permanent Resident (with work permit) aged 18 years old & above
• Corporate investors

Tenure
N/A

Potential Interest
N/A

Minimum Investment Amount
1 gram of gold (with effect from 28 March 2013)

Eligibility
• Individuals above 18 years old who are residents, permanent residents or non-residents
• Minor under 18 years old (Subject to account being operated by parents/ guardian)
• Personal or Joint Account (Maximum 3 persons’ name are allowed)

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)

Eligibility

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