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Personal Banking > Wealth Management > Retirement Planning
Retirement Planning  
Different people see retirement differently, but ultimately it should mean financial freedom. With financial freedom, you can make the choices you really want, for all the right reasons. Devote more time to your family, enjoy your hobby, volunteer in your community, or maybe even start a small business to keep busy. Our various financial packages and plans can help you achieve this faster than you think. What’s more as a CIMB Prime Plan customer, enjoy Bonus Points when you invest from the respective retirement plans.  Please click here for more information on CIMB Prime Plan. Let us show you how to get started.
 
Our Popular Product(s)
Conventional & Islamic Unit Trusts 
Retail Bond 
Pension Plus 
Private Retirement Scheme 
 
Why This Account/Plan? 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. 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. Available to all EPF members for investing in unit trusts using funds under the EPF Members Investment Scheme. Good for long-term capital growth as facts show that EPF savings may not be sufficient to fund an individual’s retirement. By investing regularly at quarterly intervals, you benefit from the Dollar Cost Averaging strategy which reduces your average investment cost over time, so that you potentially improve your returns. A private retirement scheme (PRS) is a voluntary long-term investment scheme designed to help you accumulate savings for retirement.

PRS includes a range of retirement funds that you may choose to invest in based on your own retirement needs, goals and risk appetite. The fund options under a PRS are consistent with the objective of building savings for your retirement and ensure that there is a prudent spread of risk.

It is an additional way to boost total retirement savings, whether you are an EPF member or not. If you are an EPF member, the PRS can complement your EPF savings.

What are you waiting for? Start saving with us now!
 
Tenure Recommended Investment Timeframe: Medium to long term Long dated ranging from 10 years to perpetual bonds. Recommended Investment Timeframe: Medium to long term Long term  
Interest / Profit Returns are based on the performance of funds, which varies from fund to fund.
Varies from one issue to another.
Coupon is usually fixed and paid semi-annually
Potentially higher than traditional deposits over a longer period. • Potentially higher than traditional deposits over a longer period
• Varies from fund to fund under the scheme.
 
Min Account Opening Initial Investment: *RM1,000
Subsequent Investment: *RM100 – RM200

*Varies according to funds.
RM250,000 (in further multiples of RM50,000) RM1,000 from your EPF Account 1 • Initial Investment: RM100
• Subsequent Investment: RM50 – At the discretion of the fund
 
Eligibility












18 years old & above


Malaysian or Permanent Resident or non-Permanent Resident (with work permit)
21 years old & above
Malaysian or Permanent Resident or non-Permanent Resident (with work permit)
18 years old & above
Malaysian or Permanent Resident or non-Permanent Resident (with work permit) or A Malaysian citizen who has withdrawn your savings under Leaving The Country Withdrawal before 1 August 1995 but subsequently returned and re-contribute to EPF or A Non-Malaysian citizen (Expatriate) who became a member of the EPF before 1 August 1998.
20% of amount above basic savings amount, with minimum of RM1,000.
• 18 years old & above
• Malaysian or Permanent Resident or non-Permanent Resident (with work permit)
 
 
 


For Assistance
Call us at 1300 880 900 or
+603 22956100
Email us at callcentre@cimb.com
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