CIMB-PRINCIPAL PRS PLUS CIMB ISLAMIC PRS PLUS Don’t just save. Boost your retirement savings. Your Retirement Planning While the majority of Malaysians do save, they are unaware of the amount needed for a comfortable retirement. On average, Malaysians are expected to live up to 75 years. Most underestimate the impact of increased life expectancy and inflation rate, and assume that their savings are sufficient to support their old age. - The average Employees Provident Fund (EPF) savings that active members have at age 54 is RM166,650 1 . - This translates to an average of RM926 every month for the next 15 years 2 . Is RM926 a month enough for you? You won’t have to lower your standard of living during retirement if you are well prepared. To maintain your current lifestyle in your later years, you need to take advantage of available saving and investing options like the private retirement scheme (PRS). PRS has become the newest way to start saving and investing for retirement. Source 1 The EPF Annual Report, 2013 2 Assume retirement at age 60 Understanding PRS PRS is a voluntary scheme that aims to help its contributors to increase their retirement savings while providing more flexibility and choice to the contributors. Contributors can personalise and select the mixture of funds that best suits their risk and return preference. It is a new way to boost retirement savings PRS is a voluntary scheme for all individuals who are 18 years old and above. 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. It enables you to enjoy additional tax savings You can enjoy personal tax relief* up to RM3,000 per year on top of the RM6,000 per year tax relief for the EPF contribution and life insurance premiums. This could be as much as RM780 per year (depending on your tax bracket). * For contributions into the PRS and deferred annuities effective from years of assessment 2012 to 2021. PRS Youth Incentive As an initiative by the Government of Malaysia to instill the culture of voluntary retirement savings at an early age, the Prime Minister had announced a one-off incentive of RM500 to young individuals who contribute to a PRS. The PRS Youth Incentive aims to encourage the youth to start saving for retirement through PRS which is a complement to their mandatory Employee Provident Fund (EPF) savings. RM500 will be given out to individuals between the age of 20-30 years who participate in a PRS with a minimum cumulative contribution of RM1,000 within a calendar year. The incentive will be effective from 2 January 2014 for a period of five years. Who is eligible for the RM500 Youth Incentive? - PRS Youth Incentive is for Malaysians only. - Individuals may be existing Private Pension Administrator (PPA) account holders or new members who make a gross contribution of RM1,000 within any calendar year between 2014 to 2018 in a single PRS fund of a single PRS Provider. - Individuals must be aged between 20 and at least 1 month before 31st birthday at the time the member reaches the minimum gross contribution of RM1,000 within a calendar year. - Contribution within a calendar year may be on a yearly or monthly contribution. - Any employer contribution are excluded from the incentive programme. Start Your Retirement Planning With Us CIMB-Principal PRS Plus and CIMB Islamic PRS Plus (“PRS Plus”) are new private retirement schemes designed to provide choice, investment performance and expertise to help you increase your retirement savings. Choice Depending on your preference, choose either our conventional or Shariah-compliant private retirement schemes. Therefore if end-to-end Shariah compliance is a priority for you, you can choose CIMB Islamic PRS Plus. With either PRS Plus scheme, you can personalise and select the mixture of funds that best suits your risk and return preference. You can also update your investment choices as and when desired. You can automate your savings and investment easily and conveniently via regular monthly contributions or make lump sum contributions. The choice is yours as to how much and how often you want to contribute. Investment Performance Your first move is the most important one. That’s why choosing the right partner is everything. CIMB-Principal Asset Management Berhad (“CIMB-Principal”) is an award-winning regional asset manager with international investment capabilities adhering to global best practices in compliance and risk management. We adopt a focused stocks and bonds/sukuk selection process overlaid with a disciplined investment philosophy. We believe a top-down approach coupled with bottom-up stocks and bonds/sukuk selection is the most reliable source of performance. Our on-the-ground presence, integrated quantitative and qualitative research is the key to superior stocks and bonds/ sukuk selection. We believe disciplined portfolio construction combined with a systematic in-depth review process is the main ingredient to consistent performance over time. This is supported by strong portfolio risk management oversight. Expertise CIMB-Principal is able to draw on the global experience, technical expertise and educational resources of its shareholder, the Principal Financial Group® (“The Principal®”) for the benefit of PRS Plus members. So long as you remain a member, you will receive the latest information updates and education needed to make better decisions to optimise your retirement savings with PRS Plus. In addition you can rest assured that administration and operations adhere to global best practices. The Principal® is a leading global financial company offering businesses, individuals and institutional clients a wide range of financial products and services. It has helped more than 18 million customers save, invest, insure their assets and achieve their dreams. CIMB-Principal PRS Plus & CIMB Islamic PRS Plus Getting Started Mulakan PRS Plus Anda Hari Ini! Ianya mudah. Anda hanya perlu melengkapkan borang- borang yang tersenarai dibawah, tandatangan dan serahkan kepada mana-mana Perunding PRS yang bertauliah di cawangan-cawangan CIMB Bank, CIMB Islamic, CWA atau Pengedar yang telah diluluskan: • Borang Permohonan Pembukaan Akaun dengan Pentadbir Pencen Swasta (PPA); • Borang Sumbangan PRS Plus; • Borang Pra-Pelaburan (PRS); • Lampiran Borang Pendaftaran Klien; • Satu salinan Kad Pengenalan anda (bahagian depan dan belakang pada muka surat yang sama atau pasport bagi warga asing) ; dan • Borang Penilaian Kesesuaian (untuk pilihan ‘Do-It-Myself’ sahaja) Cawangan-cawangan CIMB Islamic terletak setempat dengan semua cawangan CIMB Bank diseluruh negara. Untuk maklumat lanjut, anda boleh e-mel kepada kami di [email protected] atau hubungi Pusat Perkhidmatan Pelanggan kami di (03) 7718 3100 dari 8.30 pagi – 5.30 petang, Isnin hingga Jumaat. Kandungan dalam bahan cetakan ini hanya untuk maklumat anda sahaja dan tidak seharusnya diambil kira sebagai tawaran atau cadangan untuk melabur di dalam Dana kami. Ia juga belum mengambil kira keadaan tertentu pelabur. Dokumen-dokumen penzahiran berikut telah didaftarkan dengan Suruhanjaya Sekuriti Malaysia: • Gantian Pertama Dokumen Penzahiran CIMB-Principal PRS Plus^ bertarikh 31 Julai 2014 dan Dokumen Penzahiran Tambahan Pertama bertarikh 2 Mac 2015 • Gantian Pertama Dokumen Penzahiran CIMB Islamic PRS Plus^ (Dana–Dana Skim Patuh Syariah) bertarikh 31 Julai 2014 dan Dokumen Penzahiran Tambahan Pertama (Dana–Dana Skim Patuh Syariah) bertarikh 2 Mac 2015; (secara kolektif dirujuk sebagai “Dokumen-dokumen penzahiran”) Kami mencadangkan supaya anda membaca dan memahami kandungan Dokumen-dokumen penzahiran sebelum membuat caruman dan menyimpan Dokumen-dokumen penzahiran tersebut untuk rujukan anda. Unit-unit hanya akan dikeluarkan dengan penerimaan borang permohonan yang kami lampirkan bersama-sama Dokumen-dokumen penzahiran tersebut dan tertakluk kepada syarat-syarat dan terma-terma yang terkandung di dalamnya. Anda boleh mendapatkan Dokumen- dokumen penzahiran ini di ibu pejabat CIMB-Principal Asset Management Berhad atau melalui pengedar kami yang dilantik. Caruman di dalam Skim Persaraan Swasta ini melibatkan bayaran-bayaran dan caj-caj tertentu. Sila pertimbangkan bayaran-bayaran dan caj-caj yang terlibat sebelum membuat caruman. Harga unit-unit dan agihan pendapatan, sekiranya ada, mungkin akan turun atau naik. Rekod prestasi masa lalu tidak seharusnya dijadikan sebagai panduan untuk mengukur prestasi pada masa akan datang dan agihan pendapatan adalah tidak dijamin. Terdapat Product Highlights Sheet (PHS) dan pelabur mempunyai hak untuk meminta PHS dan dokumen-dokumen penzahiran produk lain mesti dibaca dan difahami sebelum membuat apa juga keputusan pelaburan. Berikut adalah risiko khusus berkaitan dengan Skim Persaraan Swasta: • CIMB-Principal PRS Plus Conservative (Pelaburan dalam Dana ini terdedah kepada risiko tertentu saham, risiko kredit (mungkir) dan kaunterparti, risiko kadar faedah.) • CIMB-Principal PRS Plus Moderate (Pelaburan dalam Dana ini terdedah kepada risiko tertentu saham, risiko kredit (mungkir) dan kaunterparti, risiko kadar faedah, risiko negara, risiko matawang dan risiko berkaitan dengan pelaburan dalam waran/opsyen.) • CIMB-Principal PRS Plus Growth (Pelaburan dalam Dana ini terdedah kepada risiko tertentu saham, risiko kredit (mungkir) dan kaunterparti, risiko kadar faedah, risiko negara, risiko matawang dan risiko berkaitan dengan pelaburan dalam waran/opsyen.) • CIMB-Principal PRS Plus Equity (Pelaburan dalam Dana ini terdedah kepada risiko tertentu saham, risiko berkaitan dengan kedudukan defensif sementara, risiko berkaitan dengan pelaburan dalam waran/opsyen, dan risiko konsentrasi.) • CIMB-Principal PRS Plus Asia Pacific Ex Japan Equity (Pelaburan dalam Dana ini terdedah kepada risiko berkaitan dengan pelaburan dalam Dana Sasaran dan risiko Konsentrasi. Risiko dalam Dana Sasaran termasuk risiko tertentu saham, risiko kredit (mungkir) dan kaunterparti, risiko kadar faedah, risiko negara, risiko matawang, risiko berkaitan dengan kedudukan defensif sementara dan risiko pelaburan di pasaran baru.) • CIMB Islamic PRS Plus Conservative (Pelaburan dalam Dana ini terdedah kepada risiko tertentu saham, risiko kredit (mungkir) dan kaunterparti, risiko kadar faedah* dan risiko klasifikasi semula status Syariah.) • CIMB Islamic PRS Plus Moderate (Pelaburan dalam Dana ini terdedah kepada risiko tertentu saham, risiko kredit (mungkir) dan kaunterparti, risiko kadar faedah*, risiko negara, risiko matawang, risiko berkaitan dengan pelaburan dalam waran/opsyen dan risiko klasifikasi semula status Syariah.) • CIMB Islamic PRS Plus Growth (Pelaburan dalam Dana ini terdedah kepada risiko tertentu saham, risiko kredit (mungkir) dan kaunterparti, risiko kadar faedah*, risiko negara, risiko matawang, risiko berkaitan dengan pelaburan dalam waran/opsyen dan risiko klasifikasi semula status Syariah.) • CIMB Islamic PRS Plus Equity (Pelaburan dalam Dana ini terdedah kepada risiko berkaitan dengan pelaburan dalam Dana Sasaran dan risiko Konsentrasi. Risiko dalam Dana Sasaran termasuk risiko tertentu saham dan risiko klasifikasi semula status Syariah. • CIMB Islamic PRS Plus Asia Pacific Ex Japan Equity (Pelaburan dalam Dana ini terdedah kepada risiko berkaitan dengan pelaburan dalam Dana Sasaran dan risiko Konsentrasi. Risiko dalam Dana Sasaran termasuk risiko tertentu saham, risiko kaunterparti, risiko negara, risiko matawang, risiko berkaitan dengan pelaburan dalam waran/opsyen, dan risiko klasifikasi semula status Syariah.) ^ “PRS Plus” adalah nama solusi skim persaraan swasta yang di sediakan oleh penyedia PRS. Ia tidak semestinya, dan dalam apa jua keadaan, menggambarkan bahawa Skim ini mempunyai prestasi yang mengatasi skim persaraan swasta yang lain atau mempunyai ciri-ciri tambahan yang mungkin tidak terdapat dalam skim persaraan swasta lain. * Sila ambil perhatian walaupun Sukuk adalah instrumen tanpa faedah, pergerakan harganya berkait rapat dengan pergerakan kadar faedah. Maka, pelaburan dalam Sukuk akan terdedah kepada kadar faedah. Walaupun, Dana tersebut tidak melabur dalam instrumen berfaedah, kadar faedah ini merujuk kepada kadar faedah umum negara yang berkemungkinan mempengaruhi nilai pelaburan Dana ini. March 2015 CIMB-Principal Asset Management Berhad (304078-K) Customer Care Centre 50, 52 & 54 Jalan SS21/39, Damansara Utama 47400 Petaling Jaya, Selangor Email : [email protected] www.cimb-principal.com.my About Us CIMB-Principal Asset Management Berhad (“CIMB-Principal”) is a premier asset management company with regional investment capabilities. Established in 1995, it is one of the largest asset management companies in Malaysia with regional footprint covering Indonesia, Singapore and Thailand. CIMB-Principal aspires to be Southeast Asia’s most valued investment management company offering total asset management solutions. It manufactures and distributes a comprehensive range of unit trust funds, and manages customised portfolio mandates for corporations, institutions, as well as government and pension funds. Its regionally integrated team of dedicated investment professionals offers expertise ranging from equity, fixed income, cash management, and Shariah- compliant fund management. CIMB-Principal is jointly owned by CIMB Group, one of Southeast Asia’s leading universal banking groups; and The Principal Financial Group, U.S.A., a NYSE-listed global financial service company and a leading Fortune 500 company. Tentang Kami CIMB-Principal Asset Management Berhad (“CIMB-Principal”) merupakan sebuah syarikat pengurusan aset yang terulung dan mempunyai keupayaan pelaburan serantau. CIMB-Principal ditubuhkan pada 1995 dan merupakan salah sebuah syarikat pengurusan aset yang terbesar di Malaysia dan turut beroperasi di Indonesia, Singapura dan Thailand. CIMB-Principal bercita-cita untuk menjadi sebuah syarikat pengurusan pelaburan yang terkemuka di Asia Tenggara dengan menawarkan penyelesaian pengurusan aset secara keseluruhan. Ia menerbit dan mengedar rangkaian dana unit amanah yang komprehensif, serta menguruskan mandat portfolio suai langgan untuk institusi, syarikat korporat dan kerajaan serta dana pencen. Pasukan pelaburan integrasi serantau kami yang profesional dan berdedikasi menawarkan kepakaran dalam pelaburan ekuiti, pendapatan tetap, pengurusan tunai, dan pengurusan dana yang berlandaskan Syariah. CIMB-Principal dimiliki bersama oleh CIMB Group, salah satu kumpulan syarikat perbankan universal yang terulung di Asia Tenggara; dan Principal Financial Group, U.S.A., sebuah syarikat khidmat kewangan global yang disenaraikan di NYSE dan juga merupakan salah sebuah syarikat yang tersenarai di dalam Fortune 500. CIMB-Principal received these awards for its achievements and contributions in PRS: Asia Asset Management • Best Islamic Product (CIMB Islamic PRS Plus), Malaysia 2012 • Most Innovative Product (CIMB-Principal PRS Plus), Malaysia 2012 Kenyataan Choosing Your Approach Do-It-For-Me If you want to leave the investment decisions to the experts while building a solid foundation for retirement, choose either CIMB-Principal PRS Plus or CIMB Islamic PRS Plus. Then, the appropriate fund* will be automatically selected based on your age. When you reach the next age bracket, your investments will be moved to the next appropriate fund*. Note: * Either CIMB-Principal PRS Plus Conservative, CIMB-Principal PRS Plus Moderate, CIMB-Principal PRS Plus Growth, CIMB Islamic PRS Plus Conservative, CIMB Islamic PRS Plus Moderate or CIMB Islamic PRS Plus Growth. Do-It-Myself You can choose the funds that best suit you, taking into consideration all your retirement planning needs and other investments you may have. The PRS Plus Do-It-Myself approach has been created for those who are comfortable with investment concepts and prefer to keep an active eye on their retirement investments. Do-It-For-Me Do-It-Myself 1. Fill in your personal details on the application form 2. Choose your contribution amount 3. Choose your approach 4. Sign & submit 003G−020315PRS−6