sales kit backup 1
DESCRIPTION
Brief introduction for unit trust, best sales kit ever for consultant to explain in front of clientTRANSCRIPT
Cre
ate,
Pro
tect
& P
rese
rve
CIM
B W
ealth
Adv
isor
s B
hd
“The Key to
WINNING INVESTMENT STRATEGY
is Not So Much to Choose
the Right Stock or Fund
BUTto
Choose the Right Asset Mix and then
Stick to it”
Cre
ate,
Pro
tect
& P
rese
rve
Ben
efits
of U
nit
Tru
st In
vest
men
t�
Hig
her
Ret
urn
@ P
rofi
t per
ann
um�
Pro
fess
iona
l Inv
estm
ent S
ervi
ces
; pe
ace
of m
ind
�D
iver
sifi
catio
n O
ppor
tuni
ties
; A
sset
Allo
catio
n�
Isla
mic
Inv
estm
ent O
ptio
n�
Aff
orda
ble,
Liq
uidi
ty &
Con
veni
ence
�T
rust
Nom
inat
ion
�C
orpo
rate
Inv
estm
ent F
rien
dly
(TA
X E
XE
MP
TE
D)
Tax
in F
ixed
Dep
osi
tE
.g.
RM
1,00
0,00
0 (A
mou
nt In
vest
ed)
x 3%
(G
ross
Ann
ual R
etur
n) =
RM
30,0
00N
ett
An
nu
al R
etu
rns
[RM
30,0
00 –
28%
(Tax
)] /
RM
1,00
0,00
0 x
100%
= 2
.16%
on
ly
Ave
rag
e R
etu
rns
of 1
0 y
ears
*S
ept 2
0, 1
991
to S
ept 2
1, 2
001
FD
:6.
07%
EP
F:
7.34
%U
nit T
rust
:8.
09%
Top
10
Uni
t Tru
st:
24.4
3%
*sou
rce
: Mic
ropa
l. E
xtra
cted
from
S
mar
t Inv
esto
r (N
ov. 2
001
issu
e)
Cre
ate,
Pro
tect
& P
rese
rve
Cre
ate,
Pro
tect
& P
rese
rve
1.A
DO
PT
MID
TO
LO
NG
-TE
RM
VIE
W
2.E
ST
AB
LIS
H IN
VE
ST
ME
NT
TA
RG
ET
You
mus
t set
you
r ob
ject
ives
and
goa
ls. (
10-1
5% r
etur
ns)
to k
now
whe
n to
exi
t
3.B
E A
N A
CT
IVE
INV
ES
TO
RIn
vest
CO
NSI
STE
NT
LY
and
RE
GU
LA
RL
Y to
pot
entia
lly R
ED
UC
E y
our
cost
per
uni
t.
4.M
ON
ITO
R &
RE
VIE
WK
now
the
outc
ome
of y
our
inve
stm
ent p
erio
dica
lly in
ord
er to
det
erm
ine
the
stat
us o
f
inve
stm
ent a
nd th
e ne
xt c
ours
e of
act
ion.
5.E
XIT
WH
EN
TA
RG
ET
IS M
ET
Do
not e
mot
iona
l or
gree
dy. M
INIM
ISE
you
r R
ISK
.
5 K
ey P
rinci
ple
On
H
ow
To
Pro
fit F
rom
Un
it T
rust
by D
r. N
ikiS
huha
daSh
ukor
NSG
Pre
mie
r C
onsu
ltant
s F
ound
er
Cre
ate,
Pro
tect
& P
rese
rve
Rul
e 72
Tim
e pe
riod
to D
OU
BL
E u
p yo
ur m
oney
Inve
stm
ent
Ret
urn
5%
72/5
(5%
ret
urn)
= 14
.4 y
ears
RM
100,
000
RM
200,
000
CIM
B W
A R
etur
n (U
nit t
rust
) 10
%
72/1
0 =
7.2
year
s
RM
100,
000
RM
200,
000
RM
400,
000
14.4
yea
rs
7.2
year
s7.
2 ye
ars
�In
CIM
B W
A U
nit T
rust
, on
ly 7
.2 y
ears
will
DO
UB
LE y
our
mon
ey
and
AN
OT
HE
R 7
.2 y
ears
will
bec
ome
RM
400,
000.
.!!!
Cre
ate,
Pro
tect
& P
rese
rve
A C
ompa
rison
of
Wea
lth C
reat
ion
Inst
rum
ents
CIM
B W
A U
NIT
TR
US
T10
-15%
p.a
YE
S
Oth
ers
Uni
t Tru
st C
om
pan
y1
0-1
5% p
.aN
o
Insu
ran
ce C
om
pan
y4-
6% p
.aY
es
AS
B7-
8% p
.aN
o
Fix
ed D
epo
sit
3% p
.aN
o
Ban
k A
ccou
nts
1-2%
p.a
No
Pot
entia
l R
ate
of
Ret
urn
Dis
trib
utio
n to
N
omin
ee
with
in 3
0 da
ys
Cre
ate,
Pro
tect
& P
rese
rve
Ben
efits
of T
rust
Nom
inat
ion
1.D
istr
ibut
ion
issu
e a
ddre
sse
d fr
om t
he o
nse
t
2.A
void
Pro
bate
; De
lay,
Cos
t, D
ama
ge
3.C
redi
tor
Pro
tect
ion
(Sub
ject
to
Ba
nkru
ptcy
Act
196
7)
4.P
rovi
de Im
med
iate
Liq
uidi
ty t
o be
nefic
iarie
s in
the
eve
nt o
f pr
em
atu
re /
ma
ture
dea
th o
f uni
t hol
der
5.D
istr
ibut
ion
to th
e b
ene
ficia
ries
will
be
pai
d in
Lu
mp
Sum
; or
if h
e
is m
inor
, to
the
gua
rdia
n
6.P
rote
ctio
n of
the
inve
stm
ent
obj
ect
ive
s
Cre
ate,
Pro
tect
& P
rese
rve
Sav
ing
s C
om
par
iso
n
oC
AN
NO
Tch
oo
se FU
ND
So
IN H
OU
SE
fund
ma
nage
rso
DIV
IDE
ND
give
n w
ill b
e P
RO
-RA
TE
Do
NO
T A
DV
ISA
BLE
for
RE
GU
LAR
INV
ES
TM
EN
TE
g: D
urin
g Ja
nua
ry1s
t Jan
–In
vest
RM
10
,000
7 J
an
–In
vest
RM
2,0
00
15
Jan
–In
vest
RM
8,0
00
If A
SB
dec
ide
to d
ecla
re D
IVID
EN
D o
r B
ON
US
,
the
calc
ulat
ion
will
ba
se o
n th
e L
OW
ES
T
figur
e o
f the
mo
nth
(RM
20
00)
AS
B
oR
etur
ns O
NLY
thro
ugh D
IVID
EN
Do
NO
TR
US
TE
Eo
CA
NN
OT
cho
ose
FU
ND
So
IN H
OU
SE
fund
ma
nage
rso
BU
YIN
Gat
CO
UN
TE
RS
& N
O M
ON
ITO
RIN
G
Ban
k R
akya
t
�R
etu
rns
thro
ugh
DIV
IDE
ND
, B
ON
US
& C
AP
ITA
L G
AIN
�C
AN
cho
ose F
UN
DS
�M
od
e o
op
erat
ion
is CA
PIT
AL
GA
IN�
PR
OF
ES
SIO
NA
Lin
dep
end
ent f
und
m
anag
ers
�M
OR
Ein
EQ
UIT
Y(>
60%
)�
DIV
IDE
ND
giv
en is
at F
ULL
RA
TE
�M
ON
ITO
RIN
Gb
y C
OM
MIT
ED
con
sulta
nt
�H
as T
RU
ST
EE
to m
on
itor
activ
ities
�C
AN
cho
ose F
UN
DS
�T
he
amo
un
t of s
avin
gs
is 1
00%
will
b
e p
urel
y fo
r in
vest
men
t pu
rpo
ses
�U
sing
DO
LLA
R C
OS
T
AV
ER
AG
ING
to a
ccu
mu
late
wea
lth,
a P
RO
VE
N M
ET
HO
Do
f go
od
inve
stin
g�
AS
SE
T A
LLO
CA
TIO
N
to
oR
etur
ns O
NLY
thro
ugh D
IVID
EN
Do
CA
NN
OT
cho
ose
FU
ND
So
Mo
de
of o
pe
ratio
n is
FIX
ED
INC
OM
Eo
IN H
OU
SE
fund
ma
nage
rso
Put
LE
SS
than
23
% o
n EQ
UIT
Yo
DIV
IDE
ND
give
n w
ill b
e P
RO
-RA
TE
Do
NO
MO
NIT
OR
ING
by
con
sulta
nt
CIM
B W
ealth
Adv
isor
sF
ixed
Dep
osit
/ EP
F
Cre
ate,
Pro
tect
& P
rese
rve
Rea
son
Wh
y W
e D
on’t
Loo
k S
hort
Ter
m
Cre
ate,
Pro
tect
& P
rese
rve
Rea
son
Wh
y W
e H
ave
to L
ook
Long
Ter
m
Cre
ate,
Pro
tect
& P
rese
rve
Ass
et A
lloca
tion
inve
stin
g m
oney
in v
ario
us a
sset
cl
asse
s or
mar
kets
Cre
ate,
Pro
tect
& P
rese
rve
9.34%
Ret
urns
(%
)
298.87
Unr
ealiz
eG
ain/
Los
s (c
=b-
a)
3498
.87
Ma
rket
Val
ue (
b)
0.69
48N
et
Ass
et V
alu
e (N
AV
) p
rice
per
uni
t
5034
.54
To
tal u
nits
ow
ned
3,20
0T
ota
l inv
este
d (
a)
RM
Sum
mar
y
5,03
5.54
0.62
663,
200
Tot
al
5,03
5.54
270.
270.
7400
200
Dec
4,76
5.27
289.
860.
6900
200
Nov
4,47
5.42
312.
840.
6393
200
Oct
4,16
2.57
363.
640.
5500
200
Sep
3,79
8.94
377.
360.
5300
200
Aug
3,42
1.58
500.
000.
400
200
Jul
2,92
1.58
444.
440.
4500
200
Jun
2,47
7.13
357.
140.
5600
200
May
2,11
9.99
327.
870.
6100
200
Apr
1,79
2.12
26
3.16
0.76
0020
0M
ar
1,52
8.96
246.
910.
8100
200
Feb
1,28
2.05
1,28
2.05
0.78
001,
000
Jan
Tot
al U
nits
C
reat
ed
Mon
thly
U
nits
Pur
chas
ed
Uni
t Offe
r P
rice
RM
Am
ount
In
vest
edR
M
Mon
thD
olla
r C
ost A
vera
ging
(DC
A)
6 m
onth
s12
mon
ths
0.78
0.40
C O N S I S T E N T L Y I N V E S T
Cre
ate,
Pro
tect
& P
rese
rve
Do
llar
Co
st A
vera
gin
g (D
CA
)
Cre
ate,
Pro
tect
& P
rese
rve
Do
llar
Co
st A
vera
gin
g (D
CA
)
Cre
ate,
Pro
tect
& P
rese
rve
CA
PIT
AL
GA
IN
Exa
mpl
e :
Red
empt
ion
pric
e (S
ell)
Pro
fit (
Cap
ital G
ain)
Cos
t per
uni
t (B
uy)Th
e R
oad
to PR
OF
IT
RM
1.0
0 pe
r un
it
RM
1.1
0 pe
r un
it
RM
0.1
0 p
er u
nit
@ 1
0%
If to
tal u
nit i
s 10
,000
uni
ts, s
o N
etp
rofi
tis
RM
1,00
0fr
om
RM
10,
000
Tim
e
Th
e P
OW
ER
of
Co
mp
ou
nd
ing
How
10,
000
unit
s gr
ow w
itho
ut a
ddin
g an
othe
r ce
nt b
y co
mpo
undi
ng
divi
dend
pay
outs
and
uni
t spl
its
Yea
rs4%
8%10
%12
%
5
12,
167
14,6
93
16,1
05
17
,623
10
14,
802
21,5
89
2
5,93
7
31
,058
29
21,
911
46,6
10
6
7,27
5
96
,463
50
71,
067
4
69,0
16
1,17
3,9
09
2,
890,
022
*num
bers
are
in u
nits
not
RM
*not
incl
udin
g po
ssib
le c
apita
l gai
ns
In o
rder
for
you
to m
ake
prof
it, y
ou n
eed
a fu
nd th
at g
ives
out
reg
ular
dis
trib
utio
ns
with
str
ong
trac
k re
cord
.
Usu
ally
the
bala
nced
and
inco
me
fund
s pr
ovid
e re
gula
r di
stri
butio
n.
Cre
ate,
Pro
tect
& P
rese
rve
How
Dis
trib
uti
on
s LO
WE
RY
ou
r C
ost
AU
TO
MA
TIC
ALL
Y
Savi
ngs
Fun
d D
istr
ibut
ion
His
tory
18 S
ept 1
998
3.5
cent
per
uni
t25
Jun
e 19
9915
: 10
0 un
its s
plit
16 O
ct 2
000
12 :
100
units
spl
it10
Dec
200
110
: 10
0 un
its s
plit
Cal
cula
tion
Exa
mpl
e10
Sep
t 199
8-
Inve
st R
M10
,000
/ R
M1.
00 (
SP
)=
10,
000
units
-C
ost p
er u
nit
= R
M1.
00
18 S
ept 1
998
-D
ivid
end
= 3
.5 c
ent p
er u
nit
-C
ost p
er u
nit
= R
M1.
00 –
RM
0.03
5
= R
M0.
9650
@
10,
362
units
25 J
une
1999
-U
nit s
plit
15%
= 1
,554
ext
ra u
nits
-C
ost p
er u
nit
= R
M10
,000
/ 11
,916
units
= R
M0.
8392
Th
e R
oad
to PR
OF
ITCost per unit become LOWER
Cre
ate,
Pro
tect
& P
rese
rve
YT
D P
erfo
rman
ce C
ompa
riso
n (C
IMB
WA
vs
Pub
lic)
�11
ou
t o
f 15
TO
P u
nit
tru
st f
un
ds
are
fro
m C
IMB
W
ealt
h A
dvi
sors
!!...
Cre
ate,
Pro
tect
& P
rese
rve
Cre
ate,
Pro
tect
& P
rese
rve
Lum
p S
um In
vest
men
t
6,72
7,50
03,
363,
750
672,
750
336,
375
134,
550
67,2
7533
,637
20
6,11
5,90
93,
057,
955
611,
591
305,
795
122,
318
61,1
5930
,580
19
5,55
9,91
72,
779,
959
555,
992
277,
996
111,
198
55,5
9927
,800
18
5,05
4,47
02,
527,
235
505,
447
252,
724
101,
089
50,5
4525
,272
17
4,59
4,97
32,
297,
486
459,
497
229,
749
91,8
9945
,950
22,9
7516
4,17
7,24
82,
088,
624
417,
725
208,
862
83,5
4541
,772
20,8
8615
3,79
7,49
81,
898,
749
379,
750
189,
875
75,9
5037
,975
18,9
8714
3,45
2,27
11,
726,
136
345,
227
172,
614
69,0
4534
,523
17,2
6113
3,13
8,42
81,
569,
214
313,
843
156,
921
62,7
6931
,384
15,6
9212
2,85
3,11
71,
426,
558
285,
312
142,
656
57,0
6228
,531
14,2
6611
2,59
3,74
21,
296,
871
259,
374
129,
687
51,8
7525
,937
12,9
2910
2,35
7,94
81,
178,
974
235,
795
117,
897
47,1
5923
,579
11,7
909
2,14
3,58
91,
071,
794
214,
359
107,
179
42,8
7221
,436
10,7
188
1,94
8,71
797
4,35
919
4,87
297
,436
38,9
7419
,487
9,74
47
1,77
1,56
188
5,78
117
7,15
688
,578
35,4
3117
,716
8,85
86
1,61
0,51
080
5,25
516
1,05
180
,526
32,2
1016
,105
8,05
35
1,46
4,10
073
2,05
014
6,41
073
,205
29,2
8214
,641
7,32
14
1,33
1,00
066
5,50
013
3,10
066
,550
26,6
2013
,310
6,65
53
1,21
0,00
060
5,00
012
1,00
060
,500
24,2
0012
,100
6,05
02
1,10
0,00
055
0,00
011
0,00
055
,000
22,0
0011
,000
5,50
01
1,000,000
500,000
100,000
50,000
20,000
10,000
5,000
Projected Return at 10%
Year
Cre
ate,
Pro
tect
& P
rese
rve
Lum
p S
um In
vest
men
t
16,3
66,5
37.3
98,
183,
268.
701,
636,
653.
7481
8,32
6.87
327,
330.
7516
3,66
5.37
81,8
32.6
920
14,2
31,7
71.6
57,
115,
885.
821,
423,
177.
1671
1,58
8.58
284,
635.
4314
2,31
7.72
71,1
58.8
619
12,3
75,4
53.6
16,
187,
726.
801,
237,
545.
3661
8,77
2.68
247,
509.
0712
3,75
4.54
61,8
77.2
718
10,7
61,2
64.0
05,
380,
632.
001,
076,
126.
4053
8,06
3.20
215,
225.
2810
7,61
2.64
63,8
06.3
217
9,35
7,62
0.87
4,67
8,81
0.44
935,
762.
0946
7,88
1.04
187,
152.
4293
,576
.21
46,7
88.1
016
8,13
7,06
1.63
4,06
8,53
0.81
813,
706.
1640
6,85
3.08
162,
741.
2381
,370
.62
40,6
85.3
115
7,07
5,70
5.76
3,53
7,85
2.88
707,
570.
5835
3,78
5.29
141,
514.
1270
,757
.06
35,3
78.5
314
6,15
2,78
7.62
3,07
6,39
3.81
615,
278.
7630
7,63
9.38
123,
055.
7561
,527
.88
30,7
63.9
413
5,35
0,25
0.11
2,67
5,12
5.05
535,
025.
0126
7,51
2.51
107,
005.
0053
,502
.50
26,7
51.2
512
4,65
2,39
1.40
2,32
6,19
5.70
465,
239.
1423
2,61
9.57
93,0
47.8
346
,523
.91
23,2
61.9
611
4,04
5,55
7.74
2,02
2,77
8.87
404,
555.
7720
2,27
7.89
80,9
11.1
540
,455
.58
20,2
27.7
910
3,51
7,87
6.29
1,75
8,93
8.15
351,
787.
6317
5,89
3.81
70,3
57.5
335
,178
.76
17,5
89.3
89
3,05
9,02
2.86
1,52
9,51
1.43
305,
902.
2915
2,95
1.14
61,1
80.4
630
,590
.23
15,2
95.1
18
2,66
0,01
9.88
1,33
0,00
9.94
266,
001.
9913
3,00
0.99
53,2
00.4
026
,600
.20
13,3
00.1
07
2,31
3,06
0.77
1,15
6,53
0.38
231,
306.
0811
5,65
3.04
46,2
61.2
223
,130
.61
11,5
65.3
06
2,01
1,35
7.19
1,00
5,67
8.59
201,
135.
7210
0,56
7.86
40,2
27.1
420
,113
.57
10,0
56.7
95
1,74
9,00
6.25
874,
503.
1317
4,90
0.63
87,4
50.3
134
,980
.13
17,4
90.0
68,
745.
034
1,52
0,87
5.00
760,
437.
5015
2,08
7.50
76,0
43.7
530
,417
.50
15,2
08.7
57,
604.
383
1,32
2,50
0.00
661,
250.
0013
2,25
0.00
66,1
25.0
026
,450
.00
13,2
25.0
06,
612.
502
1,15
0,00
0.00
575,
000.
0011
5,00
0.00
57,5
00.0
023
,000
.00
11,5
00.0
05,
750.
001
1,000,000
500,000
100,000
50,000
20,000
10,000
5,000
Projected Return at 15%
Year
Cre
ate,
Pro
tect
& P
rese
rve
AN
TH
ON
Y R
OB
BIN
S –
Wea
lth M
aste
ryT
O C
RE
AT
E A
N E
FF
EC
TIV
E F
INA
NC
IAL
PLA
N, Y
OU
MU
ST
DE
TE
RM
INE
HO
W
MU
CH
“CR
ITIC
AL
MA
SS
”Y
OU
NE
ED
TO
AC
HIE
VE
YO
UR
DE
SIR
ED
AN
NU
AL
LIF
ET
IME
INC
OM
E
13,3
3316
0,00
02,
000,
000
11,6
6714
0,00
01,
750,
000
10,0
0012
0,00
01,
500,
000
8,33
310
0,00
01,
250,
000
7,50
090
,000
1,12
5,00
0
6,66
780
,000
1,00
0,00
0
5,83
370
,000
875,
000
5,00
060
,000
750,
000
4,16
750
,000
625,
000
3,33
340
,000
500,
000
2,50
030
,000
375,
000
1,66
720
,000
250,
000
833
10,0
0012
5,00
0
Mon
thly
Inco
me
@ 8
% (
RM
)
Ann
ual I
ncom
e
@ 8
% (
RM
)
Crit
ical
Mas
s
(RM
)
666,
667
8,00
0,00
010
0,00
0,00
0
333,
333
4,00
0,00
050
,000
,000
166,
667
2,00
0,00
025
,000
,000
133,
333
1,60
0,00
020
,000
,000
66,6
6780
0,00
010
,000
,000
53,3
3364
0,00
08,
000,
000
46,6
6756
0,00
07,
000,
000
40,0
0048
0,00
06,
000,
000
33,3
3340
0,00
05,
000,
000
26,6
6732
0,00
04,
000,
000
23,3
3328
0,00
03,
500,
000
20,0
0024
0,00
03,
000,
000
16,6
6720
0,00
02,
500,
000
Mo
nth
ly In
com
e
@ 8
% (
RM
)
An
nu
al In
com
e
@ 8
% (
RM
)
Cri
tica
l Mas
s
(RM
)
Cre
ate,
Pro
tect
& P
rese
rve
Pow
erO
fC
ompo
undi
ngIn
tere
st
FD
/ T
bg
Ha
jiE
PF
AS
BC
IMB
We
alt
h A
dvis
ors
1104,0
00
106,0
00
108,0
00
110,0
00 ~
115,0
00
2108,1
60
112,3
60
116,6
40
121,0
00 ~
132,2
50
3112,9
40
119,1
00
125,9
71
133,1
00 ~
152,0
87
4116,9
90
126,2
50
136,0
48
146,4
10 ~
174,9
00
5121,6
70
133,8
20
146,9
31
161,0
50 ~
201,1
35
6126,5
30
141,8
50
158,6
85
177,1
60 ~
231,3
05
7131,5
90
150,3
60
171,3
79
194,8
70 ~
266,0
00
8136,8
60
159,3
90
185,0
89
214,3
60 ~
305,9
00
9142,3
30
168,9
50
199,8
96
235,8
00 ~
351,7
85
10
148,0
20
179,0
90
215,8
87
235,8
00 ~
404,5
52
11
153,9
41
189,2
84
233,1
57
285,3
09 ~
465,2
34
12
160,0
98
201,8
24
251,8
09
313,8
39 ~
535,0
19
FD
/ T
bg
Ha
jiE
PF
AS
BC
IMB
We
alt
h A
dvis
ors
1208,0
00
212,0
00
216,0
00
220,0
00 ~
230,0
00
2216,3
20
224,7
20
233,2
80
242,0
00 ~
264,5
00
3224,9
72
238,2
03
251,9
42
266,2
00 ~
304,1
75
4233,9
70
252,4
95
272,0
97
292,8
20 ~
349,8
01
5243,3
28
267,6
44
293,8
64
322,1
02 ~
402,2
71
6253,0
61
283,7
02
317,3
73
354,3
12 ~
462,6
11
7263,1
83
300,7
24
342,7
62
389,7
43 ~
532,0
02
8273,7
10
318,7
67
370,1
82
428717 ~
611,8
02
9284,6
58
337,8
93
399,7
96
471588 ~
703,5
72
10
296,0
44
358,1
66
431,7
79
518746 ~
809,1
07
11
307,8
85
379,6
55
466,3
21
570620 ~
930,4
73
12
320,2
00
402,4
34
503,6
26
627682 ~
1,0
70,0
43
10
% t
o 1
5%
10
% t
o 1
5%
6%
6%
4%
4%
8%
8%
% P
RO
FIT
PE
R A
NN
UM
(R
M)
% P
RO
FIT
PE
R A
NN
UM
(R
M)
IN
VE
ST
ME
NT
AM
OU
NT
: R
M 2
00
,00
0
YE
AR
(S)
YE
AR
(S)
Cre
ate,
Pro
tect
& P
rese
rve
Pow
erO
fC
ompo
undi
ngIn
tere
st
FD
/ T
bg
Ha
jiE
PF
AS
BC
IMB
We
alt
h A
dvis
ors
1520,0
00
530,0
00
540,0
00
550,0
00 ~
575,0
00
2540,8
00
561,8
00
583,2
00
605,0
00 ~
661,2
50
3562,4
32
595,5
08
629,8
56
665,5
00 ~
760,4
37
4584,9
29
631,2
38
680,2
44
732,0
50 ~
874,5
02
5608,3
26
669,1
12
734,6
63
805,2
52 ~
1,0
05,6
77
6632,6
59
709,2
58
793,4
36
885,7
80 ~
1,1
56,5
28
7657,9
65
751,8
13
856,9
10
974,3
58 ~
1,3
30,0
07
8684,2
90
796,9
20
925,4
62
1,0
71,7
90 ~
1,5
29,5
08
9711,6
60
844,7
40
999,4
98
1,1
78,9
70 ~
1,7
58,9
34
10
740,1
20
844,8
00
1,0
79,4
57
1,2
96,8
70 ~
2,0
22,7
74
11
769,7
24
949,1
45
1,1
65,8
13
1,4
26,5
55 ~
2,3
26,1
90
12
800,5
12
1,0
06,0
93
1,2
59,0
78
1,5
69,2
10 ~
2,6
75,1
18
IN
VE
ST
ME
NT
AM
OU
NT
: R
M 5
00
,00
0
YE
AR
(S)
8%
10
% t
o 1
5%
4%
6%
% P
RO
FIT
PE
R A
NN
UM
(R
M)
Cre
ate,
Pro
tect
& P
rese
rve
Cre
ate,
Pro
tect
& P
rese
rve
Cre
ate,
Pro
tect
& P
rese
rve
Cre
ate,
Pro
tect
& P
rese
rve
Cre
ate,
Pro
tect
& P
rese
rve