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CIMB Wealth Financing

Introducing Wealth Financing. Enjoy greater financial flexibility for your investments

Important Notes:

  1. ^^BR+0.25 (effective interest rate of 3.00% p.a.). Interest rate will be subject to change with the change of Base Rate. Current Base Rate (BR) = 2.75% (effective 13th July 2020).
  2. For details on Cash Rebate Campaign, refer to Campaign Terms & Conditions.

PLEASE CONSIDER WHETHER TAKING A LOAN IS APPROPRIATE, TAKING INTO ACCOUNT YOUR INVESTMENT OBJECTIVES, RISK TOLERANCE AND FINANCIAL CIRCUMSTANCES. BE MINDFUL OF THE RISKS, WHICH INCLUDE:

 

  1. INVESTING WITH BORROWED MONEY IS MORE RISKY THAN INVESTING WITH YOUR OWN SAVINGS. YOUR OBLIGATION TO REPAY THE LOAN REMAINS EVEN IF THERE IS A LOSS ON YOUR INVESTMENT.
  2. YOU SHOULD ASSESS WHETHER YOU HAVE THE ABILITY TO SERVICE THE PROPOSED LOAN. IF YOUR LOAN IS A VARIABLE RATE LOAN, AND IF INTEREST RATES RISE, YOUR TOTAL REPAYMENT AMOUNT WILL BE INCREASED.
  3. RETURNS ON INVESTMENT PRODUCTS ARE NOT GUARANTEED AND MAY NOT BE EARNED EVENLY OVER TIME. THIS MEANS THAT THERE MAY BE PERIODS WHEN RETURNS ARE HIGH AND OTHER TIMES WHEN LOSSES ARE EXPERIENCED. WHETHER YOU EVENTUALLY REALISE A GAIN OR LOSS MAY BE AFFECTED BY THE TIMING OF THE SALE OF YOUR INVESTMENTS AND WHETHER SUCH INVESTMENTS ARE PRINCIPAL PROTECTED. THE INVESTMENT VALUE MAY FALL JUST WHEN YOU WANT YOUR MONEY BACK EVEN THOUGH THE INVESTMENT MAY HAVE DONE WELL IN THE PAST.
  4. IF UNIT TRUSTS ARE USED AS COLLATERAL FOR THE LOAN AND THE UNIT TRUST PRICES FALL BEYOND A CERTAIN LEVEL, YOU MAY BE ASKED TO PROVIDE ADDITIONAL ACCEPTABLE COLLATERAL OR PAY A CERTAIN AMOUNT IMMEDIATELY. IF YOU FAIL TO DO THIS WITHIN THE PRESCRIBED TIME PERIOD, THE COLLATERAL MAY BE SOLD TO SETTLE YOUR LOAN.

 

THIS BRIEF DISCLAIMER CANNOT DISCLOSE ALL THE RISKS AND OTHER ASPECTS OF USING A LOAN TO FINANCE THE PURCHASE OF INVESTMENT PRODUCTS. YOU SHOULD CAREFULLY STUDY THE TERMS AND CONDITIONS OF THE LOAN BEFORE YOU DECIDE TO TAKE IT UP.

CIMB DISCLAIMER

THIS DOCUMENT IS PROVIDED TO YOU FOR INFORMATION PURPOSES ONLY AND IT MAY NOT BE REPRODUCED, DISTRIBUTED OR PUBLISHED BY ANY RECIPIENT FOR ANY OTHER PURPOSES. IT SHOULD NOT BE CONSTRUED AS AN OFFER OR A SOLICITATION OF AN OFFER TO PURCHASE OR SUBSCRIBE. THE INFORMATION CONTAINED HEREIN HAS BEEN DERIVED FROM SOURCES BELIEVED TO BE RELIABLE AND IS CURRENT AS OF THE DATE OF PUBLICATION. NO REPRESENTATION OR WARRANTY IS MADE NOR IS THERE ACCEPTANCE OF ANY RESPONSIBILITY OR LIABILITY MADE AS TO THE ACCURACY, COMPLETENESS OR CORRECTNESS OF THE INFORMATION CONTAINED HEREIN. EXPRESSIONS OF OPINION CONTAINED HEREIN ARE SUBJECT TO CHANGE WITHOUT NOTICE. INVESTMENTS IN UNIT TRUSTS ARE NOT OBLIGATIONS OF, DEPOSITS IN, GUARANTEED OR PROTECTED BY CIMB BANK BERHAD/ CIMB ISLAMIC BANK BERHAD (“CIMB”) AND ARE SUBJECT TO INVESTMENT RISKS, INCLUDING BUT NOT LIMITED TO THE POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED. INVESTORS ARE ADVISED TO READ AND UNDERSTAND THE PRODUCT HIGHLIGHTS SHEET, MASTER PROSPECTUS / INFORMATION MEMORANDUM AND ITS SUPPLEMENTAL MASTER PROSPECTUS / INFORMATION MEMORANDUM FOR UNIT TRUSTS WHICH HAVE BEEN REGISTERED WITH THE SECURITIES COMMISSION BEFORE INVESTING. FOR COPIES OF THE PRODUCT HIGHLIGHTS SHEET AND PROSPECTUS / INFORMATION MEMORANDUM, VISIT US AT OUR NEAREST BRANCH. UNIT PRICES AND INCOME DISTRIBUTION, IF ANY, MAY RISE OR FALL. INVESTORS SHOULD ALSO CONSIDER ALL FEES AND CHARGES INVOLVED BEFORE INVESTING. UNITS WILL BE ISSUED UPON RECEIPT OF COMPLETED APPLICATION FORM AND ARE SUBJECTED TO TERMS & CONDITIONS CONTAINED THEREIN. PAST PERFORMANCE OF THE FUND IS NOT AN INDICATION OF FUTURE PERFORMANCE AND INCOME DISTRIBUTIONS ARE NOT GUARANTEED. INVESTORS SHOULD RELY ON THEIR OWN EVALUATION TO ASSESS THE MERITS AND RISKS OF ANY INVESTMENT. INVESTORS WHO ARE IN DOUBT AS TO THE ACTION TO BE TAKEN BY THEM SHOULD CONSULT THEIR PROFESSIONAL ADVISERS IMMEDIATELY. UNIT TRUSTS ARE NOT PROTECTED BY PERBADANAN INSURANS DEPOSIT MALAYSIA. INVESTORS SHOULD NOT MAKE PAYMENT IN CASH TO A UNIT TRUST CONSULTANT OR ISSUE A CHEQUE IN THE NAME OF A UNIT TRUST.

 

INVESTORS ARE NOT COVERED BY THE COMPENSATION FUND UNDER SECTION 158 OF THE CAPITAL MARKETS AND SERVICES ACT 2007 (CMSA). THE COMPENSATION FUND DOES NOT EXTEND TO THE INVESTOR WHO HAS SUFFERED MONETARY LOSS AS A RESULT OF A DEFALCATION OR FRAUDULENT MISUSE OF MONEYS OR OTHER PROPERTY, BY A DIRECTOR, OFFICER, EMPLOYEE OR REPRESENTATIVE OF CIMB BANK BERHAD AND CIMB ISLAMIC BANK BERHAD (“CIMB”). WHERE THE INVESTOR SUFFERS MONETARY LOSS IN THE ABOVE CIRCUMSTANCES RELATED TO THE ACTS OF CIMB’S EMPLOYEE, THE INVESTOR MAY LODGE A COMPLAINT WITH OUR CUSTOMER RESOLUTION UNIT (CRU) AT THE FOLLOWING ADDRESS, TELEPHONE NUMBER AND E-MAIL STATED BELOW.

 

CUSTOMER RESOLUTION UNIT (CRU)

P.O. BOX 10338,

GPO KUALA LUMPUR,

50710 WILAYAH PERSEKUTUAN

TEL: +603-6204 7788

EMAIL: cru@cimb.com

 

THE INVESTOR WHO IS NOT SATISFIED WITH OUR CRU’S DECISION MAY REFER THE CASE TO THE SECURITIES INDUSTRY DISPUTE RESOLUTION CENTRE (“SIDREC”). THE INVESTOR CAN ALSO DIRECT THE COMPLAINT TO THE SECURITIES COMMISSION’S INVESTOR AFFAIRS & COMPLAINTS DEPARTMENT EVEN IF THE INVESTOR HAS INITIATED A DISPUTE RESOLUTION PROCESS WITH SIDREC.

WARNING

THE RETURNS ON YOUR STRUCTURED PRODUCT INVESTMENT WILL BE AFFECTED BY THE PERFORMANCE OF THE UNDERLYING ASSET/REFERENCE, AND THE RECOVERY OF YOUR PRINCIPAL INVESTMENT MAY BE JEOPARDISED IF YOU MAKE AN EARLY REDEMPTION.

THIS STRUCTURED PRODUCT INVESTMENT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.

*Includes selected Conventional and Shariah-compliant products.
 
This material has not been reviewed by the Securities Commission Malaysia (“SC”).
 
Member of PIDM.

 

Unit Trust and Structured product are not protected by PIDM.

 

Fixed Deposit and Fixed Return Income Account-i are protected by PIDM up to RM250,000 for each depositor.

 

Terms and Conditions apply.