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Max InvestSave  

Get the best of both worlds with Max InvestSave. A savings-cum-investment account that offers you potentially higher returns than traditional deposits. Max InvestSave also delivers the ultimate in flexibility – you can start with any amount (minimum RM50) and top it up anytime you want.

Features and Benefits:

Deposit any amount, any time (minimum of RM50).

Withdraw any amount, any time at the market price. No penalty will be charged upon early withdrawal.
Redeem in part or in full (minimum 0.01 units).
Choose from tenures of 15, 20, 25 or 30 years.
100% principal protection if held till maturity.
Covered by the Malaysia Deposit Insurance Corporation for up to RM60,000.
Max InvestSave is based on Restricted Mudharabah concept with profit sharing ratio of 95% (Depositor) : 5% (Bank).
For CIMB Prime Plan customer, enjoy 0.1 Bonus Point for every RM1 investment. Please click here for more information on CIMB Prime Plan.

 

 

Let's assume you:

Contribute lump sum of RM100,000 as initial contribution in the 1st month.

Contribute RM500 for every subsequent month until 5 years before maturity.
Hold all investment units until maturity.

Here’s what you could enjoy with Max InvestSave:

Tenure: 15 Years - RM155,000 Invested [RM100,000 + (RM500 x 110 months)]
Scenario
CIMB Evergreen Index
Performance Per Annum
Max InvestSave Average
Return Per Annum
Total Payout Amount
at Maturity
Bearish
0.33%
4.91%
RM289,984.70
Base Case
6.27%
8.64%
RM470,382.62
Bullish
11.94%
12.76%
RM807,542.67

Tenure: 20 Years - RM185,000 Invested [RM100,000 + (RM500 x 170 months)]
Scenario
CIMB Evergreen Index
Performance Per Annum
Max InvestSave Average
Return Per Annum
Total Payout Amount
at Maturity
Bearish
0.35%
5.73%
RM475,029.16
Base Case
6.29%
10.94%
RM1,163,657.22
Bullish
11.95%
16.56%
RM3,148,282.77

Tenure: 25 Years - RM215,000 Invested [RM100,000 + (RM500 x 230 months)]
Scenario
CIMB Evergreen Index
Performance Per Annum
Max InvestSave Average
Return Per Annum
Total Payout Amount
at Maturity
Bearish
0.34%
6.44%
RM787,917.61
Base Case
6.28%
12.64%
RM3,023,537.34
Bullish
11.95%
19.13%
RM13,012,805.01

Tenure: 30 Years - RM245,000 Invested [RM100,000 + (RM500 x 290 months)]
Scenario
CIMB Evergreen Index
Performance Per Annum
Max InvestSave Average
Return Per Annum
Total Payout Amount
at Maturity
Bearish
0.31%
7.05%
RM1,326,606.34
Base Case
6.26%
13.91%
RM8,096,395.07
Bullish
11.92%
20.94%
RM55,749,072.10

CIMB InvestSave Index is provided as a reference for the underlying transaction of the Max InvestSave PSSIA-i and the Bank shall not at any time be a party to any transaction related to the trading of CIMB InvestSave Index or CIMB Evergreen Index.
The dynamic investment strategy of the CIMB Evergreen Index is what allows the index (and investors) to gain potentially higher returns, even under different market conditions.

Note: The simulated performance is generated based on the generally accepted Monte Carlo simulation using 1000 paths with an expected margin of error on the Average Return of +/- 1%. The parameters used to generate the 3 scenarios are more conservative than the actual realised historical parameters since 6 June 2002. Assumptions on the parameter inputs are as follows:

Scenario
Bearish
Base Case
Bullish
Historical
Sharp Ratio
0.00
0.50
1.00
1.21

Customers are advised that the simulation results are used for illustration purposes only based on hypothetical parameters and are not meant to be a guarantee, representation or an indication of future performance. Further information can be obtained from your sales representative upon request.

  
Latest RIV & Key Dates 
Historical RIV  
Cut Off, Conversion and Payment Date Schedule 
Product Brochure 
CIMB Evergreen Factsheet 
  
1st Anniversary Promotion 
Terms & Conditions for Max InvestSave + Why Wait (1-mth tenure) Promotion 

 
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