At this stage, you should have enough cash to cover at least six months of expenses without having to tap into retirement savings, or investments that are subject to market fluctuation.
Recommended solutions |
Core benefits |
Unit Trust |
A convenient way of gaining exposure into professionally managed investment opportunities ranging from local to regional or global markets, which can potentially bring you higher returns compared to traditional deposits. |
ASNB Variables Priced Funds | Open ended equity funds that aim to provide you with a reasonable dividend yield as well as capital appreciation through investments in Malaysian equities, fixed income securities and money market instruments. The funds are managed by Amanah Saham Nasional Berhad (ASNB), a wholly owned subsidiary of Permodalan Nasional Berhad (PNB). |
Retail Bonds |
A way diversify your investment portfolio in the currency of your choice, which includes Malaysian Ringgit (MYR), Australian Dollar (AUD), US Dollar (USD), Singapore Dollar (SGD) and more. At the same time, you’ll receive a regular coupon payment in the denominated currency. |
Dual Currency Investments What is it? This solution lets you invest in two major currencies of your choice Click here to view the product disclaimer |
Gives you an opportunity to earn potentially higher returns, depending on the performance of the currency pairing. Upon maturity of the investment, you will receive the principal plus interest earned in either your investment currency or your alternate currency at the pre-agreed conversion rate. |
Gold Investment Account What is it? This solution lets you buy and sell 99.9% pure gold via a passbook account Click here to view the product disclaimer |
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Structured Products |
Allows you to access a wider range of markets and payout structures. Our Structured Investments cover various underlying classes, including:
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Non-Principal Protected Autocallable Equity Linked Structured Product |
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Repurchase Transactions (Reverse Repo) | A liquidity facility where you are able to purchase Foreign Currency Denominated Bonds with lower capital outlay. Through this facility, you have the opportunity to reap a potentially higher yield compared to a straight forward bond purchase. |
Share Margin Financing What is it? This solution offers a wide range of investment facilities for individual and corporate for trading of shares on Bursa Saham*. Our flagship Share Margin Financing facility enables you to unlock the value of your collateral and maximize your investment potential. *Acceptable Counter – Main Market & Ace Market |
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Multi Collateral Financing | Allows you to leverage your existing fixed deposit and/or investments as collateral for your personal consumption or further investments. Enjoy the full flexibility of redeeming or pledging your investments as collateral up to your credit limit. Interest is charged only on the amount utilised. |
Speak to us about how we can help youFor assistance, please contact your Relationship Manager, call our CIMB Preferred Call Centre, visit us at a branch nearest to you, or write to us to schedule an appointment. |
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