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PEMBIAYAAN AMANAH SAHAM BUMIPUTERA (ASB)Oleh CIMB Bank Berhad

ASEAN FOR YOU

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Tahun Dividen % Bonus %Jumlah

Keseluruhan%

1991 8.50 4.00 12.50

1992 7.50 5.00 12.50

1993 9.00 4.50 13.50

1994 9.50 4.50 14.00

1995 10.50 3.00 13.50

1996 10.25 3.00 13.25

1997 10.25 1.25 11.50

1998 8.00 2.50 10.50

1999 10.50 1.50 12.00

2000 9.75 2.00 11.75

2001 7.00 3.00 10.00

2002 7.00 2.00 9.00

2003 7.25 2.00 9.25

2004 7.25 2.00 9.25

2005 7.25 1.75 9.00

2006 7.30 1.25 8.55

2007 8.00 1.00 9.00

2008 7.00 1.75 8.75

2009 7.30 1.25 8.55

2010 7.50 1.25 8.75

2011 7.65 1.15 8.80

2012 7.76 1.15 8.91

Rekod Pengagihan Pendapatan ASB (1990-2012)

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• Selamat & Terjamin• Pengurusan dana unit amanah yang profesional oleh pihak ASNB/PNB• Pulangan yang lebih tinggi berbanding Pulangan Tetap (Fixed Deposit)• Pengecualian Cukai (Dividen/Bonus)• Ketenangan Fikiran• Perlindungan atas pelaburan pokok (RM1 Jaminan Modal)

Manfaat ASB

Kelebihan melabur di dalam ASB

• Pendidikan Anak-Anak• Ubahsuai Rumah• Persaraan Awal• Perniagaan Kecil-kecilan• Percutian Keluarga• Pengumpulan Harta

Capai Matlamat Anda!

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Bantuan Khairat Kematian

Bantuan kewangan pada waris pelabur yang meninggal dunia.

Hanya sekali tuntutan sahajaDalam tempoh 6 bulan dari tarikh kematian

Tunai RM200 sahaja.

Syarat :Sekurang-kurangnya 3 tahun sebagai pelabur ASB

+ RM800 5,000 - 9,999 pegangan unit+ RM1,800 10,000 & lebih pegangan unit Unit yang dipegang mestilah melebihi 12 bulan

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“ROLLING DIVIDEND”. PAY INSTALLMENTS FOR 1 YEAR ONLY THEN USE DIVIDEND TO PAY SUBSEQUENT YEARS

50k @ 30 years

Pay 1st year and use “rolling dividend” technique

50,000(future value) – 3,300(capital)

=149,729

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ASB LOAN SIMULATOR 

ASB Invest. Amt. 50,000.00  ASB Loan 50,000.00Div. Rate 8%  Interest Rate 5.20%Tenor 30  Tenor 360

Future Value $149,729.28 Instalment RM275x12 3,300 By CIMB Loan        

Year ASB Principal Dividend p.a Y/E ASB Principal Acc Div Loan Bal1 50,000.00 4,000.00 50,700.00 700.00 49,3002 50,700.00 4,056.00 51,456.00 756.00 48,5643 51,456.00 4,116.48 52,272.48 816.48 47,7894 52,272.48 4,181.80 53,154.28 881.80 46,9745 53,154.28 4,252.34 54,106.62 952.34 46,1176 54,106.62 4,328.53 55,135.15 1,028.53 45,2157 55,135.15 4,410.81 56,245.96 1,110.81 44,2668 56,245.96 4,499.68 57,445.64 1,199.68 43,2689 57,445.64 4,595.65 58,741.29 1,295.65 42,218

10 58,741.29 4,699.30 60,140.59 1,399.30 41,11311 60,140.59 4,811.25 61,651.84 1,511.25 39,95112 61,651.84 4,932.15 63,283.99 1,632.15 38,72813 63,283.99 5,062.72 65,046.71 1,762.72 37,44214 65,046.71 5,203.74 66,950.44 1,903.74 36,08915 66,950.44 5,356.04 69,006.48 2,056.04 34,66616 69,006.48 5,520.52 71,227.00 2,220.52 33,16817 71,227.00 5,698.16 73,625.16 2,398.16 31,59318 73,625.16 5,890.01 76,215.17 2,590.01 29,93619 76,215.17 6,097.21 79,012.38 2,797.21 28,19220 79,012.38 6,320.99 82,033.38 3,020.99 26,35821 82,033.38 6,562.67 85,296.05 3,262.67 24,42922 85,296.05 6,823.68 88,819.73 3,523.68 22,39923 88,819.73 7,105.58 92,625.31 3,805.58 20,26424 92,625.31 7,410.02 96,735.33 4,110.02 18,01825 96,735.33 7,738.83 101,174.16 4,438.83 15,65526 101,174.16 8,093.93 105,968.09 4,793.93 13,16927 105,968.09 8,477.45 111,145.54 5,177.45 10,55428 111,145.54 8,891.64 116,737.18 5,591.64 7,80329 116,737.18 9,338.97 122,776.16 6,038.97 4,90830 122,776.16 9,822.09 138,637.22 15,861.07 1,863

TOTAL= 138,638.22  DIVIDEN TERAKHIR= 11,091

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ASB LOAN SIMULATOR

 ASB Invest. Amt. 50,000.00   ASB Loan 50,000.00

Div. Rate 8%  Interest Rate 5.20%

Tenor 30   Tenor 360

Future Value $146,596.31 Instalment RM275x12 3,300 By CIMB Loan        

Year ASB Principal Dividend p.aY/E ASB Principal Acc Div Loan Bal

1 50,000.00 4,000.00 50,700.00 700.00 49,3002 50,700.00 4,056.00 51,456.00 756.00 48,5643 51,456.00 4,116.48 52,272.48 816.48 47,789

PRINCIPAL AS AT 3 YEARS = RM2,211DIVIDEN = RM2,272.48 TOTAL = RM4,483.48

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ASB LOAN SIMULATOR 

ASB Invest. Amt. 50,000.00  ASB Loan 50,000.00

Div. Rate 8%  Interest Rate 5.20%Tenor 30  Tenor 360

Future Value $465,863.74 Instalment $275.00 By CIMB Loan        

Year ASB Principal Dividend p.a Y/E ASB Principal Acc Div Loan Bal1 50,000.00 4,000.00 54,000.00 4,000.00 49,3002 54,000.00 4,320.00 58,320.00 8,320.00 48,5643 58,320.00 4,665.60 62,985.60 12,985.60 47,7894 62,985.60 5,038.85 68,024.45 18,024.45 46,9745 68,024.45 5,441.96 73,466.40 23,466.40 46,1176 73,466.40 5,877.31 79,343.72 29,343.72 45,2157 79,343.72 6,347.50 85,691.21 35,691.21 44,2668 85,691.21 6,855.30 92,546.51 42,546.51 43,2689 92,546.51 7,403.72 99,950.23 49,950.23 42,21810 99,950.23 7,996.02 107,946.25 57,946.25 41,11311 107,946.25 8,635.70 116,581.95 66,581.95 39,95112 116,581.95 9,326.56 125,908.51 75,908.51 38,72813 125,908.51 10,072.68 135,981.19 85,981.19 37,44214 135,981.19 10,878.49 146,859.68 96,859.68 36,08915 146,859.68 11,748.77 158,608.46 108,608.46 34,66616 158,608.46 12,688.68 171,297.13 121,297.13 33,16817 171,297.13 13,703.77 185,000.90 135,000.90 31,59318 185,000.90 14,800.07 199,800.97 149,800.97 29,93619 199,800.97 15,984.08 215,785.05 165,785.05 28,19220 215,785.05 17,262.80 233,047.86 183,047.86 26,35821 233,047.86 18,643.83 251,691.69 201,691.69 24,42922 251,691.69 20,135.33 271,827.02 221,827.02 22,39923 271,827.02 21,746.16 293,573.18 243,573.18 20,26424 293,573.18 23,485.85 317,059.04 267,059.04 18,01825 317,059.04 25,364.72 342,423.76 292,423.76 15,65526 342,423.76 27,393.90 369,817.66 319,817.66 13,16927 369,817.66 29,585.41 399,403.07 349,403.07 10,55428 399,403.07 31,952.25 431,355.32 381,355.32 7,80329 431,355.32 34,508.43 465,863.74 415,863.74 4,90830 465,863.74 37,269.10 503,132.84 453,132.84 1,863

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CONTINUE PAYING MONTHLY INSTALLMENTS UNTIL MATURITY. DO NOT WITHDRAW THE DIVIDEND.

CONTINUE PAYING MONTHLY INSTALLMENTS UNTIL MATURITY. USE DIVIDEND AS YEARLY BONUS

ASB Special Investment Techniques

ASB LOAN SIMULATOR

 ASB Invest. Amt. 50,000.00  ASB Loan 50,000.00

Div. Rate 8%  Interest Rate 5.20%Tenor 30  Tenor 360

Future Value $465,863.74 Instalment $275.00 By CIMB Loan        

Year ASB Principal Dividend p.aY/E ASB Principal Acc Div Loan Bal

1 50,000.00 4,000.00 54,000.00 4,000.00 49,3002 54,000.00 4,320.00 58,320.00 8,320.00 48,5643 58,320.00 4,665.60 62,985.60 12,985.60 47,789

PRINCIPAL AS AT 3 YEARS = RM2,211DIVIDEN = RM12,985.60 TOTAL = 15,196.60

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ASB LOAN SIMULATOR 

ASB Invest. Amt. 50,000.00  ASB Loan 50,000.00Div. Rate 8%  Interest Rate 5.20%Tenor 30  Tenor 360Future Value $62,985.60 Instalment $275.00

By CIMB Loan        Year ASB Principal Dividend p.a Y/E ASB Principal Acc Div Loan Bal USED DIVIDEN

1 50,000.00 4,000.00 54,000.00 4,000.00 49,300  2 54,000.00 4,320.00 58,320.00 8,320.00 48,564  3 58,320.00 4,665.60 62,985.60 12,985.60 47,789 12,9864 50,000.00 4,000.00 54,000.00 4,000.00 46,974  5 54,000.00 4,320.00 58,320.00 8,320.00 46,117  6 58,320.00 4,665.60 62,985.60 12,985.60 45,215 12,9867 50,000.00 4,000.00 54,000.00 4,000.00 44,266  8 54,000.00 4,320.00 58,320.00 8,320.00 43,268  9 58,320.00 4,665.60 62,985.60 12,985.60 42,218 12,98610 50,000.00 4,000.00 54,000.00 4,000.00 41,113  11 54,000.00 4,320.00 58,320.00 8,320.00 39,951  12 58,320.00 4,665.60 62,985.60 12,985.60 38,728 12,98513 50,000.00 4,000.00 54,000.00 4,000.00 37,442  14 54,000.00 4,320.00 58,320.00 8,320.00 36,089  15 58,320.00 4,665.60 62,985.60 12,985.60 34,666 12,98516 50,000.00 4,000.00 54,000.00 4,000.00 33,168  17 54,000.00 4,320.00 58,320.00 8,320.00 31,593  18 58,320.00 4,665.60 62,985.60 12,985.60 29,936 12,98519 50,000.00 4,000.00 54,000.00 4,000.00 28,192  20 54,000.00 4,320.00 58,320.00 8,320.00 26,358  21 58,320.00 4,665.60 62,985.60 12,985.60 24,429 12,98522 50,000.00 4,000.00 54,000.00 4,000.00 22,399  23 54,000.00 4,320.00 58,320.00 8,320.00 20,264  24 58,320.00 4,665.60 62,985.60 12,985.60 18,018 12,98525 50,000.00 4,000.00 54,000.00 4,000.00 15,655  26 54,000.00 4,320.00 58,320.00 8,320.00 13,169  27 58,320.00 4,665.60 62,985.60 12,985.60 10,554 12,98528 50,000.00 4,000.00 54,000.00 4,000.00 7,803  29 54,000.00 4,320.00 58,320.00 8,320.00 4,908  30 58,320.00 4,665.60 62,985.60 12,985.60 1,863  

TOTAL = 62,985.60

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Insuran Berkelompok Amanah Saham (GASA)

ASB

Secara Tunai( Pelaburan Bulanan )

Secara Pembiayaan( Ansuran Bulanan )

RM657 x 5 bulan = RM3,285 RM657 x 5 bulan = RM3,285

Pelaburan dibuat = RM3,285*Aset ASB yg terbentuk = RM3, 285

Pembayaran dibuat = RM3, 285*Aset ASB yg terbentuk = RM100K

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TERIMA KASIH

SILA BERHUBUNG DENGAN PEGAWAI JUALAN KAMI UNTUK MAKLUMAT LANJUT