Escolar Documentos
Profissional Documentos
Cultura Documentos
V.2
What is SunLink?
30 days old
18 years old
65 years old
No limit1
99 years old
Not applicable
Investment-linked funds
Based on individuals financial goal and risk tolerance, you may
invest in one or more of the following professionally managed
investment-linked funds of your choice:
Fund
Sun Life
Malaysia
Growth Fund
TPD
Surrender
Upon maturity at
the age of 99
Policy term
99 years minus life assureds age at entry.
Policy Owner
Life Assured
Fund
manager:
Management Berhad
Sun Life
Malaysia
Balanced
Moderate
Fund
CIMB-Principal
Asset
CIMB-Principal
Asset
Sun Life
Fund objective: Achieve medium to long-term
Malaysia
capital appreciation through investments primarily
Conservative in Malaysian bonds.
Fund
Fund
Fund
Sun Life
Malaysia
Conservative
Fund (contd.)
Sun Life
Malaysia
Select Asia
(ex Japan)
Quantum
Fund
Fund
manager:
Management Berhad
Sun Life
Malaysia
Equity Income
Fund
CIMB-Principal
Asset
Fund objective: This fund feeds into the CIMBPrincipal Equity Income Fund (target fund)
with the objective to provide investors with an
opportunity to gain consistent and stable income
by investing in a diversified portfolio of dividend
yielding equities and fixed income securities. The
target fund may also provide moderate capital
growth potential over the medium to long-term
period.
Fund strategy: The target fund may opt to
invest in foreign equities up to a maximum of
50% of Net Asset Value (NAV). Such foreign
equities must be companies domiciled in, listed
in, and/or have significant operations in Asia (ex
Japan) markets. The target fund may invest in
foreign markets where the regulatory authorities
are members of the International Organization
of Securities Commissions (IOSCO). The target
fund is subject to the limit set by Bank Negara
Malaysia (BNM) and any conditions imposed
by the Securities Commission Malaysia (SC)
from time to time. The asset allocation of the
target fund is as follows:
Equities: Minimum 70%, maximum 98%;
Investing into diversified portfolio of dividend
yielding equities and/or fixed income securities
Liquid assets: Minimum 2% of target funds NAV
Equities selection for the funds: Asian (ex Japan)
equities
Fund
manager:
Management Berhad
CIMB-Principal
Asset
Fund objective: This fund feeds into CIMBPrincipal Asia Pacific Dynamic Income Fund
(target fund) with the objective to provide regular
income by investing primarily in the Asia Pacific
(ex Japan) region and at the same time aims to
achieve capital appreciation over the medium to
long-term.
Fund strategy: The target fund will be managed
through investment in the Asia Pacific (ex Japan)
region regardless of market conditions. The
companies invested in must be domiciled in, and/
or have significant operations in Asia Pacific (ex
Japan). Under general conditions, the target funds
Fund
Fund
Sun Life
Malaysia
Asia Pacific
Dynamic
Income Fund
(contd.)
Sun Life
Fund
manager:
Malaysia
Management Berhad
Global Titans
Fund (contd.)
Fund
manager:
Management Berhad
Sun Life
Malaysia
Global Titans
Fund
CIMB-Principal
Asset
Fund objective: This fund feeds into CIMBPrincipal Global Titans Fund (target fund) with
the objective to achieve medium to long-term
capital gains by investing into the U.S, Europe
and Japan equities while having some Malaysia
equities exposure to counter the short-term
volatility in the global equities markets.
Fund strategy: The target fund invests at least
50% of its Net Asset Value (NAV) in 3 collective
investment schemes, subject to a maximum
of 98% of its NAV. It may invest in Malaysian
securities but only up to 50% of its NAV. The
target fund seeks to give investors a broad
exposure to 3 global regions which attract over
90% of global investment monies in equities. This
will be achieved by investing in 3 PGI funds which
invest into these 3 markets. The asset allocation
of the target fund is as follows:
E
quities: Minimum 50%, maximum 98%
Liquid assets: The remaining balance
Equities selection for the funds: PGI US Equity
Fund, PGI European Equity Fund, PGI Japanese
Equity Fund and Malaysia equities
* PGI Funds refer to Principal Global Investors
Funds
Asset
Top-up
Scheduled Top-Up
Premium
Single Top-Up
Premium
Minimum
Maximum
No limit
No limit
Premium allocation
The allocated premiums will be directed into the funds selected by
policy owner.
Premium
Allocated Premium
Allocated Premium
Year
(% of Insurance Premium) (% of Top-up Premium)
1
45%
95%
60%
95%
80%
95%
90%
95%
5 and
onwards
100%
95%
Service
charge
Fund
switching
charges
Partial
withdrawal
charges
Fund
Please refer to the Fund Fact Sheet for details
management
and charges.
charges (FMC)
Note: All fees & charges are not guaranteed and any changes will be
notified to you in writing at least 90 days prior to the effective date.
2
he Goods and Services Tax (GST) as per Goods and Services Tax
T
Act 2014 is currently at 6%. The prevailing rate of GST is subject
to change.
Commissions
Below are the sample commissions (as a percentage of insurance
premium) based on insurance premium of RM2,400 per annum:
Please refer to the policy documents for the full list of terms,
conditions and exclusions under these riders.
1) Hospitalisation and Surgical Benefit Rider
With the emergence of new diseases and the rise of accidents
everyday, medical care has become a necessity for everyone.
Our Hospitalisation and Surgical Benefit Rider helps reduce the
financial burden due to escalating medical cost.
Schedule of benefits
Plan Benefits
Plan A
(RM)
B) Hospitalisation Expenses
20
Commission (RM)
480
120
120
120
120
120
Policy Year
10
Thereafter
Commission (RM)
120
120
120
120
Plan D
(RM)
250
350
500
150
Policy Year
Plan C
(RM)
Plan B
(RM)
As charged
As charged
As charged
Post-hospital treatment
(within 60 days after
hospital discharge)
D) Expenses For Non-Surgical Cases
In-hospital physician
visit (maximum of 120
days per year and 2
visits per day)
As charged
Plan A
(RM)
Plan C
(RM)
Plan D
(RM)
Plan Benefits
As charged
50
50
50
100
100
100
As charged
Out-patient kidney
dialysis treatment
As charged
500
750
1,000
As charged
Group 1
Angioplasty and Other Invasive Treatments for Major Coronary
Artery Disease
Coronary Artery By-Pass Surgery
End Stage Kidney Failure
Heart Attack
Major Organ Transplant (Kidney)
Medullary Cystic Disease
Other Serious Coronary Artery Disease
Stroke
Systemic Lupus Erythematosus (SLE) with Lupus Nephritis
Group 2
Heart Valve Surgery
Major Organ Transplant (Heart)
Severe Cardiomyopathy
Surgery to Aorta
50
As charged
Out-patient cancer
treatment
Plan D
(RM)
Emergency outpatient
accidental treatment
(within 24 hours
after the accident)
Plan C
(RM)
In the event of upgrading the room & board, the life assured
shall bear the full differences between the actual charges and
the eligible room and board benefit and 20% of the other eligible
benefits under the hospital bill.
4
Covers the cost of major organ transplant of the life assured,
as the recipient of the organ harvested and not the living donor.
Emergency accidental
dental treatment (within
24 hours after the
accident)
Plan B
(RM)
Post-hospital treatment
(within 60 days after
hospital discharge)
Government hospital
daily cash allowance
(maximum of 180 days
per year)
Plan A
(RM)
100
1,500
Group 4
End Stage Lung Disease
End Stage Liver Failure
Fulminant Viral Hepatitis
Major Organ Transplant (Liver/Lung/Pancreas)
Primary Pulmonary Arterial Hypertension
Group 5
Alzheimers Disease/Irreversible Organic Degenerative Brain
Disorders
Bacterial Meningitis
Encephalitis
Loss of Independence Existence
Motor Neuron Disease
Multiple Sclerosis
Muscular Dystrophy
Paralysis/Paraplegia
Parkinsons Disease
Group 6
Cancer
Chronic Aplastic Anaemia
HIV due to Blood Transfusion
Major Organ Transplant (Bone Marrow)
Bacterial Meningitis
Brain Surgery
Cancer
Coma
Exclusions
(Note: This list is non-exhaustive. Please refer to the policy
documents for further information on exclusions)
Benefits
Exclusions
Death Benefit
TPD Benefit
Exclusions (contd.)
Benefits
Exclusions
Multiple Pay
No benefit shall be payable if critical illness
Critical Illness caused directly or indirectly, wholly or partly, by
Benefit Rider any one of the following occurrences:
AIDS;
Congenital conditions;
Critical illness within waiting period except
for critical illness conditions due to accidental
injuries;
Dies within survival period;
Misuse of alcohol or drugs;
Participating in any avocation/activities such
as racing of any kind, aerial sports, scuba
diving, professional sports;
Pre-existing condition;
Self-inflicted injuries while sane or insane; or
War, biological/chemical warfare, terrorism.
Accidental
Death Benefit
Rider
Weekly
Disability
Income
Benefit Rider
Exclusions (contd.)
Benefits
Exclusions
Life Assured
Waiver of
Premium
Benefit Rider
Policy Owner
Waiver of
Premium
Benefit Rider
Important notes
1) This is an insurance product that is tied to the performance
of the underlying assets, and is not a pure investment
product such as unit trust.
2) This is a product brochure and is not a policy contract document.
Please refer to the Fund Fact Sheet, Sales Illustration and
Product Disclosure Sheet for more information on the plan as
well as the policy contract documents for the complete terms
and conditions of this plan.
3) You should be satisfied that this plan will best serve your needs
and ensure that the premium payable under this plan is an
amount that you can afford.
4) If your purchase involves a premium of sizeable amount say
RM5,000 and above, you should consider purchasing a single
premium investment-linked plan as single premium plans offer
better allocation rates for investment.
5) You may cancel your policy within 15 days of its delivery
and the amount of refund that you will receive is the sum of
the unallocated premiums, the account value as at the next
valuation date and any cost of insurance and service charge
that have been deducted, less any expenses incurred for any
medical underwriting required.
6) If you terminate your policy in the early years, you may get back
less than the amount that you have paid.
7) If you do not pay the premium within 31 days of grace period,
there will be a possibility that at any time your account value
might be insufficient to support the basic policy and the rider(s)
attached (if any) and your policy will lapse.
8) The premium amount paid is allowed as an income tax
deduction subject to the Inland Revenue Board.
9) All taxes, including without limitation any goods and services
tax, and/or other forms of sales or consumption tax, whether
currently in force or implemented after the date of the policy will
be charged in accordance with the applicable legislation at the
prevailing rate. Where necessary, we will amend the terms of
the policy to take into account any such tax.
10) This plan is underwritten by Sun Life Malaysia Assurance
Berhad (197499-U), an insurer registered with Bank Negara
Malaysia under the Financial Services Act 2013.
11) This plan is distributed by CIMB Bank Berhad (13491-P) and is
located at Menara Bumiputra-Commerce, 11, Jalan Raja Laut,
50350 Kuala Lumpur, Malaysia.
Tempoh polisi
Mengenai SunLink
Pelan ini menyediakan manfaat-manfaat berikut:
Kematian
TPD
Serahan
Orang yang
Diinsuranskan
Pemilik
Polisi
30 hari
18 tahun
65 tahun
Tiada had1
99 tahun
Tidak berkaitan
Dana-dana berkaitan-pelaburan
Berdasarkan matlamat kewangan dan toleransi risiko individu,
anda boleh melabur di dalam satu atau lebih dana-dana berkaitanpelaburan pilihan anda yang diuruskan secara profesional:
Dana
Dana Sun
Objektif dana: Memaksimumkan pertumbuhan
Life Malaysia modal melalui pelaburan jangka sederhana
Growth
hingga jangka panjang di dalam pasaran saham.
Strategi dana: Dana ini boleh melabur sehingga
98% daripada Nilai Aset Bersih (NAB) di dalam
ekuiti, dengan tumpuan kepada pelaburan di
dalam saham syarikat-syarikat yang mempunyai
potensi pertumbuhan dan tersenarai di papan
utama Bursa Malaysia Berhad. Peruntukan aset
dana adalah seperti berikut:
Sekurang-kurangnya 80% dalam ekuiti pada
setiap masa
Baki di dalam aset-set cair
Pengurus
Dana:
Management Berhad
CIMB-Principal
Asset
Dana Sun
Objektif dana: Menyediakan pelaburan seimbang
Life Malaysia dalam ekuiti dan bon.
Balanced
Strategi dana: Ia bergantung kepada Dana Sun
Moderate
Life Malaysia Growth dan Dana Sun Life Malaysia
Conservative mengikut peruntukan aset dana
yang telah ditetapkan seperti berikut:
Dana Sun Life Malaysia Growth: 50%
Dana Sun Life Malaysia Conservative: 50%
Pengurus
Dana:
Management Berhad
CIMB-Principal
Asset
Dana
Dana Sun
Objektif dana: Mencapai peningkatan modal
Life Malaysia jangka sederhana hingga jangka panjang melalui
Conservative pelaburan terutamanya dalam bon-bon Malaysia.
Strategi dana: Nilai Aset Bersih (NAB) dana ini
boleh dilaburkan di dalam sekuriti pendapatan
tetap yang mempunyai penarafan minimum
AA3 dari RAM atau penarafan seumpamanya
oleh MARC, Moodys, S&P atau Fitch. Strategi
pelaburannya adalah untuk melabur di dalam
pelbagai portfolio sekuriti pendapatan tetap
yang diluluskan. Peruntukan aset dana adalah
sekurang-kurangnya
80%
dalam
sekuriti
pendapatan tetap pada setiap masa.
Pengurus
Dana:
Management Berhad
CIMB-Principal
Asset
Dana Sun
Objektif dana: Dana ini melabur ke dalam Dana
Life Malaysia CIMB-Principal Equity Income (dana sasaran)
Equity Income dengan objektif untuk memberi peluang kepada
pelabur untuk mendapat pendapatan yang konsisten
dan stabil dengan melabur dalam pelbagai portfolio
ekuiti yang memberikan dividen dan sekuriti
pendapatan tetap. Dana sasaran ini juga boleh
memberikan potensi pertumbuhan modal di dalam
jangka sederhana ke jangka panjang.
Strategi dana: Dana sasaran boleh memilih
untuk melabur dalam ekuiti luar negara sehingga
maksimum 50% daripada Nilai Aset Bersihnya
(NAB). Ekuiti luar negara tersebut mestilah
syarikat-syarikat yang diperbadankan dalam,
disenaraikan dalam, dan/atau mempunyai
operasi yang ketara di pasaran Asia (kecuali
Jepun). Dana sasaran mungkin melabur dalam
pasaran luar negara di mana pihak berkuasa
kawal selia merupakan ahli-ahli Pertubuhan
Suruhanjaya Sekuriti Antarabangsa (IOSCO).
Dana sasaran adalah tertakluk kepada had yang
ditetapkan oleh Bank Negara Malaysia (BNM) dan
apa-apa syarat yang dikenakan oleh Suruhanjaya
Sekuriti Malaysia (SC) dari semasa ke semasa.
Peruntukan aset dana sasaran adalah seperti
berikut:
Dana Sun
Ekuiti: Minimum 70%, maksimum 98%; Melabur
Life Malaysia
dalam pelbagai portfolio ekuiti yang memberikan
Equity Income dividen dan sekuriti pendapatan tetap
(samb.)
Aset Cair: Minimum 2% daripada NAB dana
sasaran
Pilihan ekuiti bagi dana ini: Ekuiti Asia (kecuali
Jepun)
dana:
Management Berhad
Pengurus
Dana Sun
Life Malaysia
Select Asia
(ex Japan)
Quantum
CIMB-Principal
Asset
Dana
Dana
Dana Sun
Life Malaysia
Asia Pacific
Dynamic
Income
Dana Sun
Objektif dana: Dana ini melabur ke dalam Dana
Life Malaysia CIMB-Principal Global Titans (dana sasaran)
Global Titans dengan objektif untuk mencapai keuntungan
modal jangka sederhana ke jangka panjang
dengan melabur dalam ekuiti A.S, Eropah dan
Jepun manakala mempunyai pendedahan dalam
ekuiti Malaysia untuk menangani ketidaktentuan
jangka pendek dalam pasaran ekuiti global.
Strategi dana: Dana sasaran melabur sekurangkurangnya 50% daripada Nilai Aset Bersih (NAB)
dalam 3 skim pelaburan kolektif, tertakluk kepada
maksimum 98% daripada NAB. Ia boleh melabur
dalam sekuriti Malaysia tetapi hanya sehingga
50% daripada NAB. Dana sasaran bertujuan
untuk memberi pelabur pendedahan yang luas
untuk 3 rantau global yang menarik lebih daripada
90% wang pelaburan global dalam ekuiti. Ini akan
dicapai dengan melabur dalam 3 dana-dana PGI
yang melabur ke dalam 3 pasaran ini. Peruntukan
aset dana sasaran adalah seperti berikut:
Berhad
Penambahan
Minimum
Berhad
Maksimum
Premium
Penambahan
Berjadual
Premium
Penambahan
Tunggal
Tiada had
Tiada had
Peruntukan premium
Nota: Semua yuran & caj tidak dijamin dan sebarang perubahan
akan dimaklumkan kepada anda dengan memberikan notis bertulis
sekurang-kurangnya 90 hari dari tarikh berkuatkuasa.
Tahun
Premium
Peruntukan Premium
(% dari Premium
Insurans)
Peruntukan Premium
(% dari Premium
Penambahan)
45%
95%
60%
95%
80%
95%
90%
95%
5 dan
ke atas
100%
95%
Komisen
Berikut adalah contoh komisen (sebagai peratusan atas premium
insurans) berdasarkan premium insurans RM2,400 setahun:
Tahun Polisi
20
Komisen (RM)
480
120
120
120
120
120
Tahun Polisi
10
Seterusnya
Komisen (RM)
120
120
120
120
Caj
penukaran
dana
Caj
pengeluaran
separa
Caj
pengurusan
dana (FMC)
Caj
perkhidmatan
Jadual manfaat
Manfaat-manfaat Pelan
150
250
350
500
B) Perbelanjaan Hospital
Bekalan dan
perkhidmatan hospital
C) Perbelanjaan Pembedahan
Yuran pembedahan
(tertakluk kepada
jadual pembedahan)
Rawatan selepas
kemasukan hospital
(dalam tempoh 60 hari
selepas keluar hospital)
Pelan A
(RM)
Pelan B
(RM)
Pelan C
(RM)
Pelan D
(RM)
Rawatan kecemasan
kemalangan pergigian
(dalam tempoh 24 jam
selepas kemalangan)
Rawatan kecemasan
kemalangan pesakit
luar (dalam tempoh
24 jam selepas
kemalangan)
Manfaat-manfaat
Pelan
Prosedur
pembedahan harian
Seperti caj yang dikenakan
Rawatan kecemasan
pesakit luar (dari pukul
12 pagi hingga 6 pagi)
Yuran ambulans
Elaun tunai harian
di hospital kerajaan
Malaysia (maksimum
180 hari setahun)
50
Pemindahan organ
utama4 (sekali
seumur hidup)
Yuran laporan
perubatan
50
50
50
100
100
100
100
Pelan A
(RM)
Pelan B
(RM)
Pelan C
(RM)
Pelan D
(RM)
500
750
1,000
1,500
Manfaat-manfaat
Pelan
Pelan A
(RM)
Pelan B
(RM)
Pelan C
(RM)
Pelan D
(RM)
Had Tahunan
Keseluruhan
75,000
125,000
175,000
250,000
ekiranya terdapat naik taraf untuk bilik & penginapan, orang yang
S
diinsuranskan hendaklah menanggung perbezaan penuh antara
caj sebenar dengan manfaat bilik dan penginapan yang dibenarkan
serta sebanyak 20% daripada manfaat lain yang layak dalam bil
hospital.
4
Merangkumi kos untuk pemindahan organ utama orang yang
diinsuranskan, sebagai penerima organ dan bukannya sebagai
penderma organ.
3
Kumpulan 2
Kumpulan 3
Tumor Otak Benigna
Kebutaan/Kehilangan Penglihatan Menyeluruh
Pembedahan Otak
Koma
Kepekakan/Kehilangan Pendengaran Menyeluruh
Hilang Pertuturan
Melecur Teruk
Trauma Kepala Utama
Kumpulan 4
Penyakit Paru-paru Tahap Akhir
Kegagalan Hati Tahap Akhir
Hepatitis Virus Fulminan
Pemindahan Organ Utama (Hati/Paru-paru/Pankreas)
Hipertensi Arteri Pulmonari Primer
Kumpulan 5
Penyakit Alzheimer/Gangguan Kemerosotan Otak Organik
Tidak Boleh Pulih
Meningitis Bakteria
Ensefalitis
Kehilangan Upaya Hidup Sendiri
Penyakit Neuron Motor
Sklerosis Berbilang
Distrofi Otot
Kelumpuhan/Paraplegia
Penyakit Parkinson
Kumpulan 6
Kanser
Anaemia Aplastik Kronik
HIV Akibat Transfusi Darah
Pemindahan Organ Utama (Sum-sum Tulang)
Meningitis Bakteria
Pembedahan Otak
Kanser
Koma
11 Ensefalitis
12 Kegagalan Buah Pinggang Tahap Akhir
13 Kegagalan Hati Tahap Akhir
14 Penyakit Paru-paru Tahap Akhir
15 Hepatitis Virus Fulminan
16 Serangan Jantung
17 Pembedahan Injap Jantung
18 HIV Akibat Transfusi Darah
19 Kehilangan Upaya Hidup Sendiri
20 Hilang Pertuturan
21 Melecur Teruk
22 Trauma Kepala Utama
23 Pemindahan Organ Utama/Sum-sum Tulang
24 Penyakit Sistik Medulari
25 Penyakit Neuron Motor
26 Sklerosis Berbilang
27 Distrofi Otot
Pengecualian-pengecualian
(Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kepada
dokumen-dokumen polisi untuk maklumat lanjut mengenai
pengecualian-pengecualian)
Manfaat
Pengecualian-pengecualian
Manfaat
Kematian
Manfaat TPD
Pengecualian-pengecualian (samb.)
Manfaat
Pengecualian-pengecualian
Pengecualian-pengecualian (samb.)
Manfaat
Pengecualian-pengecualian
Pengecualian-pengecualian (samb.)
Manfaat
Pengecualian-pengecualian
Rider Manfaat
Life Assured
Waiver of
Premium
Pengecualian-pengecualian (samb.)
Manfaat
Pengecualian-pengecualian
Nota-nota penting
1) Ini adalah produk insurans yang berkait dengan prestasi
aset-aset yang mendasarinya, dan ia bukanlah produk
pelaburan semata-mata seperti unit amanah.
2) Ini adalah risalah produk dan bukan dokumen kontrak polisi.
Sila rujuk kepada Helaian Fakta Dana, Ilustrasi Jualan dan
Dokumen Keterangan Produk untuk maklumat lanjut mengenai
pelan dan juga dokumen kontrak polisi untuk terma-terma dan
syarat-syarat lengkap di bawah pelan ini.
3) Anda seharusnya berpuas hati bahawa pelan ini memenuhi
keperluan anda dengan sebaiknya dan memastikan bahawa
premium yang perlu dibayar di bawah pelan ini adalah amaun
yang anda mampu bayar.
4) Sekiranya penyertaan anda melibatkan jumlah premium yang
agak besar, contohnya RM5,000 dan ke atas, anda seharusnya
mempertimbangkan untuk menyertai pelan berkaitan-pelaburan
premium tunggal memandangkan pelan premium tunggal
menawarkan kadar peruntukan yang lebih baik untuk pelaburan.
5) Anda boleh membatalkan polisi anda dalam tempoh 15 hari
selepas ia dihantar dan amaun bayaran balik yang anda terima
adalah jumlah premium tidak diperuntukkan, nilai akaun pada
tarikh penilaian seterusnya dan sebarang kos insurans serta
caj perkhidmatan yang telah dipotong, ditolak sebarang
perbelanjaan yang ditanggung untuk sebarang pengunderaitan
perubatan yang diperlukan.
SunLink?
99
(TPD)SunLink
Sun Life
Malaysia
Growth
SunLink
SunLink
( 65
)
99
RM2,400
99
()
30
18
65
99
Sun Life
Malaysia
Conservative
98%(NAV)
80%
(NAV)
(RAM)AA3
(MARC)(Moodys)
(S&P)(Fitch)
80%
CIMB-Principal Asset Management
Berhad
Sun Life
Malaysia
Equity
Income
CIMB-Principal Equity
Income()
()
()
Sun Life
Malaysia
Equity
Income
()
50%
()/
(IOSCO)
(BNM)
(SC)
Sun Life
Malaysia
Asia Pacific
Dynamic
Income
CIMB-Principal
Asia Pacific Dynamic Income
15%
RAMBBB3P2
MARC
S&P
BBMoodys
Fitch
70%98%
2%
()
CIMB-Principal Asset Management
Berhad
Sun Life
Malaysia
Select Asia
(ex Japan)
Quantum
15(50%-99.8%)
3 0 (
25%)()
75%99.80%
()
Affin Hwang Asset Management
Berhad (Hwang Investment Management
Berhad)
70% 98%
15%
2%
50%
3
98%
50%
90%
3PGI
()
()
Sun Life
75%98%
Malaysia
Global Titans PGI
()
PGIPGI
RM53(2)
RM53(2)
90
2
RM50
(RM10)
RM500
(RM10)
20146%
RM2,400()
(%)
20
(RM)
480
120
120
120
120
120
10
(%)
(%)
45%
95%
(%)
60%
95%
(RM)
120
120
120
120
80%
95%
90%
95%
100%
95%
1) /
3.75%
2) (5%)(
10%)
()
2()
RM5.30( )
SunLink
1)
2)
3)
4)
5)
6)
()
()
1)
D) ()
(12am6am)
A
(RM)
B
(RM)
C
(RM)
D
(RM)
(60)
150
250
350
B
(RM)
C
(RM)
(180)
500
50
4
()
B)
50
50
100
100
100
C)
()
()
(90)
(120
)
1,500
75,000
125,000
175,000
250,000
2)
(90)
(24)
1,000
20%
4
D)
(24)
750
100
(60)
(60)
500
50
D
(RM)
A) 3
(180)
A
(RM)
44
2
10%
RM25,000
()
()
2) ()
2) ()
()
()
3)
100%
()
()
(//)
/
/
4)
()
52
5)
36
6)
36
65
()
()
36
(
)
36 ()
(
)
32
33
34
35
36
10 /
11
(
)
()
12(
)
(
)
(
)
12
13
14
15
16
17
18
19
20
21
22
23 /
24
25
26
27
28
29 /
30
31
()
()
()
(
)
/
()
/
(
)
(
)
1) ()
12(
)
2)
(
)
()
()
()
3)
/
(
)
1)
2)
3)
4)
5)
6)
7)
8)
9)
RM5,000
15
31
()
2013
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1 300 880 900
CIMB Bank
:
CIMB Malaysia
CIMB_Assists
SUNLINK
V.2