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请问大家有听过Max InvestSave PSSIA-i吗?

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发表于 1-10-2008 06:31 PM | 显示全部楼层 |阅读模式
请问大家有听过Max InvestSave PSSIA-i吗?
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发表于 1-10-2008 06:44 PM | 显示全部楼层
uni-asia的吗?
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发表于 2-10-2008 02:09 AM | 显示全部楼层
cimb的吧,资料很少,最想知道它的服务费多少。
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 楼主| 发表于 2-10-2008 02:00 PM | 显示全部楼层
CIMB的。时常看到它的广告但我不了解。
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发表于 8-10-2008 04:27 PM | 显示全部楼层
原帖由 蜜瓜西瓜木瓜 于 1-10-2008 06:44 PM 发表
uni-asia的吗?


CIMB的,大头刚才才在那边洗脑,那边的员工算,然后又给figure大头看,如果每个月存RM50,30年后可以拿到RM300,874.70。
最短15年,最长30年。
没有guarantee interest的,是base on US, Japan, Euro, UK, China等等的股市表现来计算利息。
大头问如果你们没把我们的钱投资在这些股市,那么那来的profit来分给我们,他都没回答到大头的问题。
所以有谁知道??可以分享一下吗??

如果一开始放10千,30年后可以拿到760,638.79,都不懂他们用什么算的。。。。
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发表于 9-10-2008 12:25 AM | 显示全部楼层
没人知道吗??
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 楼主| 发表于 10-10-2008 10:37 PM | 显示全部楼层
我有询问CIMB。。开户口只需要 RM50。。这个投资package是可以在任何时候储存或提取 RM50 或 RM 500。。RM 50 是一个单位。。成倍于 RM 50。。

它是长期的投资或储蓄plan..具有四个package。。15年, 20 年, 25 年 & 30 年。。这interest是基于市场行情。。比方说你存放 RM1000。。。在2010你提取 RM 200 。。那样你的 RM 200也许是 RM 250 或者是 RM 150。。它是取决于当时的市场行情。。
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 楼主| 发表于 10-10-2008 10:38 PM | 显示全部楼层
在promotion时期开户口, CIMB将给你额外的30%于你的投资额。。promotion时期直到2009年尾。。
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 楼主| 发表于 10-10-2008 10:40 PM | 显示全部楼层
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 楼主| 发表于 10-10-2008 10:45 PM | 显示全部楼层
"如果一开始放10千,30年后可以拿到760,638.79,都不懂他们用什么算的。。。。"


我想他们是基于市场最好的时期做估计。。。
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发表于 11-10-2008 12:01 AM | 显示全部楼层
原帖由 imjlim 于 10-10-2008 10:37 PM 发表
我有询问CIMB。。开户口只需要 RM50。。这个投资package是可以在任何时候储存或提取 RM50 或 RM 500。。RM 50 是一个单位。。成倍于 RM 50。。

它是长期的投资或储蓄plan..具有四个package。。15年,  ...


问题是好像保险的计划。。。
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发表于 11-10-2008 07:54 AM | 显示全部楼层
原帖由 蜜瓜西瓜木瓜 于 1-10-2008 06:44 PM 发表
uni-asia的吗?


不是uni-asia, 是ING!!
http://www.ing.com.my/IFBNET/2.0/ING.Application.Web/IFBDefault/Fund_IAICS.aspx

请进来看看!!
值得投资吗??
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发表于 16-10-2008 12:16 PM | 显示全部楼层
我上个礼拜开了这个investment account.
放了100块
听说是很不错的,我放20年。届满时的return 是拿20年内最高的%计算.

但是我很疑惑的就是我开了也存放了钱,没有certificate or account。 问那个银行的人,他们也没有什么懂,只是叫我等HQ的信。我觉得我拿到了certificate 后才放多点钱上去.
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发表于 16-10-2008 12:22 PM | 显示全部楼层
                                                                                               
PROFIT SHARING SPECIFIC INVESTMENT ACCOUNT-i
More than you thought possible CIMBIslamic’s revolutionary Max InvestSave is a must-have investmentinstrument that ensures your maximum returns at maturity. Invest nowand we’ll top up your investment by up to 30%*. Only valid during thepromotion period.
Investing for the long-runLong-terminvestments allow you to meet future financial needs, whether it’s acomfortable retirement, an education fund or simply to protect yourselffrom inflation. These days, however, promises of high returns come withtheir own risks and costs.
Ultimate flexibility, maximum returnsGetthe best of both worlds with Max InvestSave. A savings-cum-investmentaccount that offers you potentially higher returns than Fixed Depositsor the General Investment Account-i. Max InvestSave also delivers theultimate in flexibility – you can start with any amount (minimum RM50)and top it up anytime you want.
Affordability
  • All it takes is a minimum of RM50
Flexibility
  • Deposit any amount, any time (in multiples of RM50).
  • Withdraw any amount, any time at the market price. No penalty will be charged upon early withdrawal.
  • Redeem in part or in full (minimum 0.01 units).
  • Choose from tenures of 15, 20, 25 or 30 years.
Security
  • 100% principal protection if held till maturity.
  • Covered by the Malaysia Deposit Insurance Corporation for up to RM60,000.
Highest* Returns
  • Enjoy the highest* market price achieved during your chosen tenure, when held until maturity.
  • You are 100% Principal AND Profit protected if held until maturity.
  • Max InvestSave is based on Restricted Mudhabarah concept with profit sharing ratio of 95% (Depositor) : 5% (Bank).
Lock in the highest* market price
Unlikeordinary investment accounts, Max InvestSave marks the highest* marketprice – Reference Index Value (RIV) achieved during your chosen tenure.At maturity, you are protected on your maximum returns as well as fromany adverse fluctuations that may have occurred.
What returns will I earn?Stimulated Returns
Let’s assume you:
  • Contribute RM100 every month until 5 years before maturity.
  • Receive Bonus Units for the first year of tenure.
  • Do not make an Early Redemption during the tenure.
Here’s what you could enjoy with Max InvestSave:
Tenure 15 years - RM12,000.00 Invested
ScenarioCIMB Evergreen Index Performance Per Annum Total Payment Amount at Maturity Max InvestSave Average Return Per Annum
Bearish
0.33%
RM21,452.66
5.67%
Base Case
6.27%
RM31,066.32
9.16%
Bullish
11.94%
RM47,554.41
13.69%
Tenure 20 years - RM18,000.00 Invested
ScenarioCIMB Evergreen Index Performance Per Annum Total Payment Amount at Maturity Max InvestSave Average Return Per Annum
Bearish
0.35%
RM42,342.02
6.52%
Base Case
6.29%
RM84,392.71
11.43%
Bullish
11.95%
RM188,384.67
16.85%
Tenure 25 years - RM24,000.00 Invested
ScenarioCIMB Evergreen Index Performance Per Annum Total Payment Amount at Maturity Max InvestSave Average Return Per Annum
Bearish
0.34%
RM77,280.86
7.23%
Base Case
6.28%
RM224,223.56
13.13%
Bullish
11.95%
RM762,690.34
19.44%
Tenure 30 years - RM30,000.00 Invested
ScenarioCIMB Evergreen Index Performance Per Annum Total Payment Amount at Maturity Max InvestSave Average Return Per Annum
Bearish
0.31%
RM137,254.15
7.82%
Base Case
6.26%
RM601,749.40
14.14%
Bullish
11.92%
RM3,215,627.06
21.30%
CIMBInvestSave Index is provided as a reference for the underlyingtransaction of the Max InvestSave Profit Sharing Specific InvestmentAccount-i and the Bank shall not at any time be a party to anytransaction related to the trading of CIMB InvestSave Index or CIMBEvergreen Index.
The dynamic investment strategy of the CIMBEvergreen Index is what allows the index (and investors) to gain higherpotential returns, even under different market conditions.
Note:The simulated performance is generated based on the generally acceptedMonte Carlo simulation using 1000 paths with an expected margin oferror on the Average Return of +/- 1%. The parameters used to generatethe 3 scenarios are more conservative than the actual realisedhistorical parameters since 6 June 2002. Assumptions on the parameterinput are as follows:
Scenario
Sharp Ratio
Bearish
0
Base Case
0.5
Bullish
1
Historical
1.21
Customersare advised that the simulation results are used for illustrationpurposes only based on hypothetical parameters and are not meant to bea guarantee, representation or an indication of future performance.Further information can be obtained from your sales representative uponrequest.
Bonus investment for early birds
For every contribution made during the promotion period, we will top your account up to 30%. For limited time only.
*Youwill receive the highest market price achieved during the deposittenure at maturity, regardless of when you open your account.
Terms and conditions apply.
Max InvestSave PSSIA-i Key Information
Last Update: 10 October 2008 (Fri)
Click on the link(s) below for further information:
Act now!For more information, please call 1 300 880 900, visit any CIMB Islamic, co-located at CIMB Bank branches nationwide.
                                       
                                       
                                                                                       
                                               
                                                                       
               
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发表于 16-10-2008 09:38 PM | 显示全部楼层
原帖由 newsongfashion 于 16-10-2008 12:16 PM 发表
我上个礼拜开了这个investment account.
放了100块
听说是很不错的,我放20年。届满时的return 是拿20年内最高的%计算.

但是我很疑惑的就是我开了也存放了钱,没有certificate or account。 问那个银行的人,他 ...


那么你可以分享你开这个户口的原因吗??
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发表于 16-10-2008 10:24 PM | 显示全部楼层
不大明白!!
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发表于 25-11-2008 04:21 PM | 显示全部楼层
我有去问哦~
挺不错的说。。。
不过所谓给你额外的30%于你的投资额是指如果你选择存30年。如果存15年才15%而已。。以此类推。而优惠是到明年的12月31日.
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发表于 28-11-2008 02:50 PM | 显示全部楼层
想知道多一点资料,可以吗?

是否每个月都要进钱?是从我们的储蓄户口扣除还是怎样呢?

没有簿子的话,怎样可以知道赚了多少呢?
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发表于 28-11-2008 03:48 PM | 显示全部楼层
你要每个月进钱也可以。。
跟银行的工作人员说你要 auto debit 就可以了。
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发表于 28-11-2008 04:27 PM | 显示全部楼层
原帖由 imjlim 于 10-10-2008 10:37 PM 发表
我有询问CIMB。。开户口只需要 RM50。。这个投资package是可以在任何时候储存或提取 RM50 或 RM 500。。RM 50 是一个单位。。成倍于 RM 50。。

它是长期的投资或储蓄plan..具有四个package。。15年,  ...

这个配套每月进固定的钱,还是一次过放进的.????
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