An account that allows customers to place their monies under the Shariah concept of wakalah bi al-istithmar (agency contract for investment) to be invested into the Bank's existing Personal Financing-i portfolio.
Return (if any) generated from the investment will be distributed upon maturity or on a periodical basis.
This Investment Account is not protected by Perbadanan Insurans Deposit Malaysia
Important Notes:
Shariah Concept
Wakalah bi al-istithmar
Type of investment
Unrestricted Investment Account
Eligibility Criteria
Tenures
Tenure minimum 1 day to a maximum of 60 months (5 years)
Minimum investment
RM500,000 (Malaysia Ringgit Five Hundred Thousand)
Features / Benefits
Underlying Asset | Personal Financing-i portfolio |
Currency | Malaysia Ringgit only |
Expected Profit Rate (EPR) | Determined upfront as agreed by both parties |
Profit Payment Method | Profit (if any) will be distributed upon maturity or on a periodical basis |
Auto Renewal | Unless specified by the Investment Account Holder (IAH), the account will be automatically renewed upon the expiry of the prevailing placement period |
Partial Withdrawal | Not allowed |
PIDM Protection | Not protected by PIDM |
Rate of Returns
Tenure | Expected Rate of Returns (ROR) per annum (%) |
---|---|
Overnight | 2.70 |
1 week | 2.75 |
2 week | 2.80 |
3 week | 2.85 |
1 month | 3.25 |
2 months | 3.30 |
3 months | 3.35 |
6 months | 3.45 |
9 months | 3.55 |
12 months | 3.65 |
15 months | 3.70 |
18 months | 3.75 |
24 months | 3.80 |
36 months | 3.85 |
48 months | 3.90 |
60 months | 4.15 |
Disclaimer
The returns on this investment account will be affected by the performance of the underlying assets. The principal and returns are not guaranteed and Investment Account Holder (“IAH”) risks earning no returns at all. If the investment is redeemed early, IAH may suffer losses in part or of the entire principal sum invested. This investment account is not protected by Perbadanan Insurans Deposit Malaysia.
Documents Download
Product Disclosure Sheet Terms and Conditions Account Opening Application Form of Investment Account-i (new customers) Account Opening Application Form of Investment Account-i (existing customers) Non-residents Maintaining / Operating Ringgit Account in Malaysia Declaration FormFund Performance Report
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