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ILP Workshop

- March 2011
By Marketing Department

AIA.COM

AIA confidential and proprietary information. Not for distribution.

Agenda

Managing and mitigating your risk in ILPs

Dollar-Cost-Averaging Concept in ILPs

Needs base selling in ILPs

Bonus Units Campaign

AIA confidential and proprietary information. Not for distribution.

Are We Heading for Another Crisis?


Stock Market is vulnerable
Are we heading for another financial crisis?

Crisis =
= Danger & Opportunity
Behind every crisis,
there is an opportunity awaiting us

AIA confidential and proprietary information. Not for distribution.

Where is the safe haven under current crisis?


Withdraw from ILP and keep your money
In bank deposit?
Under the pillow?

Lets face it. We cant avoid risk no matter where we place


our money!

AIA confidential and proprietary information. Not for distribution.

Managing and mitigating your risk in ILPs


1. Dont panic, stay invested if you are already in the market
2. Diversify your portfolio
3. Dollar Cost Averaging

AIA confidential and proprietary information. Not for distribution.

1. Dont panic. Stay invested if you are already in the market

AIA confidential and proprietary information. Not for distribution.

Dont panic. Stay invested.


FBMKLCIMovements&Events
1800

Mar08:12thMalaysia
GeneralElections

1600

Nov10:USQE2

1516.22

Mar97:Banknegara
imposedcontrolon
propertyandshare
purchases

1400

1569.89

Jun10:PMunveiled
the10thMalaysia
l

1391.57

1270.67
1200

Sep06:
1.GLCreforms
2.Announcementof9MPs

Jul97:Bahtdevaluation

Jul05:BNM
removedRMpeg

1002.62

1000

Sep01Terrorist
bombingoftwin
towerinUS

843.12

Jan04:Birdflu
outbreak

887.34

Sep/Oct08:Lehman
Brothersfiledfor
bankruptcyandAIG
bailedout

787.58

800

Mar10:PM
announcedETP

Mar08:Collapse
ofBearStearns

745.36

838.28

Apr09:DatoSeriNajib
becameMalaysia's
PrimeMinister

Nov08:US
Quantitative
Easing

600

563.72
Jan03:Commencement
ofRM10bValueCap
400

302.91
200

Sep98:Malaysia
imposedcapitalcontrol

Source: Bloomberg
0
Jan97

Jan98

Jan99

Jan00

Jan01

AIA confidential and proprietary information. Not for distribution.

Jan02

Jan03

Jan04

Jan05

Jan06

Jan07

Jan08

Jan09

Jan10

Jan11

Dont panic, stay invested


The crisis presents opportunities for fund managers to pick
good value and fundamentally strong stocks.
No one will know when the crisis will end. But, for sure, the
market will recover from the crisis eventually.

AIA confidential and proprietary information. Not for distribution.

2. Diversify your Portfolio

AIA confidential and proprietary information. Not for distribution.

Diversify your Portfolio


Diversification may reduce the overall volatility of your portfolio
Example
Investor A and Investor B have RM100,000 each in their retirement plan
account for a period of 20 years.
Investor A invests in a single asset class while Investor B diversifies into 5 different asset
classes.

Investment A

Investor A

Investor B

Initial
Annual
Investment Return
(RM)
%

Initial
Annual
Investment Return
(RM)
%
Total
20,000 Loss
20,000
3
20,000
6
20,000
9
20,000
12

100,000

Value after
20 yrs (RM)
320,714

320,714

Total

Investment B
Investment C
Investment D
Investment E
Investment F
Total

Value after
20 yrs (RM)
0
36,122
64,143
112,088
192,926

405,279

Investor B yields better return through


diversification of assets.
AIA confidential and proprietary information. Not for distribution.

3. Dollar Cost Averaging (DCA)

AIA confidential and proprietary information. Not for distribution.

10

DCA reduces the risk to time the market


The Power of Dollar Cost Averaging (DCA)
Invest a fixed amount of money at regular intervals, you get more units when
prices fall, and get less units when prices rise
Year

Annual
Premium Paid

1
2
3
4
5
Total

2,000
2,000
2,000
2,000
2,000
10,000

Offer Prices
(RM)
1.2
1
1.5
1.1
1.8

Units
Purchased
1,666
2,000
1,333
1,818
1,111
7,928

Average Unit Cost to you over the 5 year period


= 10000/7928 = RM1.26
Average price over the 5 year period
= RM(1.2+1+1.5+1.1+1.8) / 5 = RM1.32
Through DCA, your average unit cost is usually lower than the average
price for the same period. DCA reduces the risk to time the market.
AIA confidential and proprietary information. Not for distribution.

11

DCA reduces the risk to time the market


Which investment would you prefer? A or B?

3.00
2,350

2.50

2,100

1,750
1,900 1,800

Fund A
unit price
@RM3

1,700 1,700

2,700

2.00

3,350

Fund B
unit price
@RM1

Unit Price

1.50
5,000

1.00

7,150

0.50
0.00
0

10,000

10,000

14,300 20,000 00 20,000


25,0

7,150

14,300

10

End Of Year

Fund A - Total 24,350 units @ RM3.00 = RM 73,050


Fund B - Total 132,900 units @ RM1.00 = RM132,900
DCA works well for funds with high volatility, for example: equity
funds or managed funds.
AIA confidential and proprietary information. Not for distribution.

12

Investors reactions during crisis


Not in the market yet
Felt that they are so lucky and smart.
Want to wait for the lowest entry level but it never happens.
Already in the market
Panic sell-off this may be a good strategy to cut further
losses if you were to invest directly into stocks and shares!
Stay invested and do nothing. Felt extremely sorry for
themselves and felt that this is the end of the world
Stay invested and invest further during crisis. Practising
dollar cost averaging method the right strategy for ILP.

AIA confidential and proprietary information. Not for distribution.

13

Investors reaction during crisis


Example of investing into a fund
Fund A from Unit Trust Co. P was launched during 93-97 bull run, April 25, 1994.
Fund Performance:
1.20
1.00

Fund A Monthly Unit Price Movement


(Apr 1994 - Sep 2008)

RM

0.80
0.60
0.40
0.20

04
/2
9/
19
94
04
/2
9/
19
95
04
/2
9/
19
96
04
/2
9/
19
97
04
/2
9/
19
98
04
/2
9/
19
99
04
/2
9/
20
00
04
/2
9/
20
01
04
/2
9/
20
02
04
/2
9/
20
03
04
/2
9/
20
04
04
/2
9/
20
05
04
/2
9/
20
06
04
/2
9/
20
07
04
/2
9/
20
08

0.00

AIA confidential and proprietary information. Not for distribution.

14

Investors reaction during crisis


Example of investing into a fund
Invest at the peak of market:
Investment Amount:
Units:

AIA confidential and proprietary information. Not for distribution.

March 31, 1997 @ RM0.727 per unit


RM10,000
RM10,000 / RM0.727
= 13,749.48 units

15

Investors reaction during crisis


Example 1 Panic sell-off 6 months later
1.20
Fund A Monthly Unit Price Movement
(Apr 1994 - Sep 2008)

1.00

RM

0.80

0.7273
@31/3/97

0.60
0.40

0.4959
@30/9/97

0.20

04
/2
9/
19
94
04
/2
9/
19
95
04
/2
9/
19
96
04
/2
9/
19
97
04
/2
9/
19
98
04
/2
9/
19
99
04
/2
9/
20
00
04
/2
9/
20
01
04
/2
9/
20
02
04
/2
9/
20
03
04
/2
9/
20
04
04
/2
9/
20
05
04
/2
9/
20
06
04
/2
9/
20
07
04
/2
9/
20
08

0.00

Fund value upon withdrawal = 13,749.48 units X RM0.4959 = RM6,818.37


Realised a loss of 32%
AIA confidential and proprietary information. Not for distribution.

16

Investors reaction during crisis


Example 2 Stay Invested
1.20
1.00

RM

0.80

Fund A Monthly Unit Price Movement


(Apr 1994 - Sep 2008)

1.0717
@31/12/07

0.7273
@31/3/97

0.60
0.40
0.20

04
/2
9/
19
94
04
/2
9/
19
95
04
/2
9/
19
96
04
/2
9/
19
97
04
/2
9/
19
98
04
/2
9/
19
99
04
/2
9/
20
00
04
/2
9/
20
01
04
/2
9/
20
02
04
/2
9/
20
03
04
/2
9/
20
04
04
/2
9/
20
05
04
/2
9/
20
06
04
/2
9/
20
07
04
/2
9/
20
08

0.00

Waited for the next cycle to sell off.


Fund value withdrawn on 31/12/2007
= 13,749.48 units X RM1.0717 = RM14,735.31
Realised a profit of 47.35%
AIA confidential and proprietary information. Not for distribution.

17

Investors reaction during crisis


Example 3 Stay invested and Dollar Cost Averaging
1.20
1.00
0.80

RM

1.0717

Fund A Monthly Unit Price Movement


(Apr 1994 - Sep 2008)

209,007 units

0.7273
13,749.48 units

0.60
0.40
0.20

8
Ap
r-0

7
Ap
r-0

6
Ap
r-0

Ap
r-0

Ap
r-0

Ap
r-0

2
Ap
r-0

1
Ap
r-0

0
Ap
r-0

9
Ap
r-9

Ap
r-9

Ap
r-9

Ap
r-9

5
Ap
r-9

Ap
r-9

0.00

Investor invested RM10,000 initially at RM0.7273 per unit


Top-up RM10000 every year for the next 10 years from 31/12/97 to 31/12/06
Accumulated units = 209,007 units

Capital invested = RM110,000

Total fund value as at 31/12/07 = RM1.0717 X 209,007 units = RM223,993


Total
profit of
AIA confidential
and103.6%
proprietary information. Not for distribution.

18

Conclusion

Dont panic, stay invested


Top Up your investment regularly
Your investment horizon should be medium to long term (5
10 years)

AIA confidential and proprietary information. Not for distribution.

19

What are the investment-linked funds available in AIA ?

Fund

Target Asset Allocation

Launch Date

Equities %

Fixed Income
Securities %

1. AIA Managed Fund

80

20

2. AIA Equity Fund

100

3. AIA Fixed Income Fund

100

4. AIA Dana Progresif

80 - Islamic

20 - Islamic

Mar 1, 2000

5. AIA Medium Cap Fund

95

Jul 16, 2001

6. AIA Aggressive Fund

95

7. AIA Dana Dinamik

95 - Islamic

5 - Islamic

AIA confidential and proprietary information. Not for distribution.

Dec 20, 1999

20

What are the investment-linked funds available in AIA ?


Fund

Target Asset Allocation

Launch Date

Equities %

Fixed Income
Securities %

8. AIA New Horizon Fund

50 Malaysia
50 Foreign

Aug 16, 2004

9. AIA Asia Platinum Fund

100 Foreign

Apr 27, 2006

10. AIA International Small


Cap Fund

100 Foreign

Dec 13, 2006

11. AIA Eleven Plus Fund

100 Foreign

Sept 17, 2007

12. AIA Dana Bon

100

July 22, 2008

13. AIA Asia Opportunity


Fund

100 - Foreign

March 30, 2009

AIA confidential and proprietary information. Not for distribution.

21

AIA Funds Performance vs. Fixed Deposit Interest Rate


Comparison based on a 1-year Annualized Return as at Dec 31, 2010

Lumpsum Basis

35%

28.99%

30%

28.14%

25%
21.46%

20%
16.16%
13.94%

15%

10.11%

8.87%

10%

6.40%

5%

7.94%

7.38%

4.36%
2.81%
0.83%

1.14%

Fix
ed
De
po
AIA
sit
Ma
na
ge
dF
un
d
AIA
Eq
uit
yF
AIA
un
d
Da
na
Pr
AIA
og
res
Fix
if
ed
Inc
om
AIA
eF
un
Ne
d
w
Ho
riz
on
AIA
Fu
As
nd
AIA
ia
P
Int
lat
ern
inu
m
ati
Fu
on
al
nd
Sm
all
Ca
pF
AIA
un
Ele
d
ve
nP
lus
Fu
nd
AIA
AIA
Da
na
As
Bo
ia
Op
n
po
rtu
nit
yF
un
AIA
d
Da
na
Di n
AIA
am
ik
Ag
gre
ss
ive
AIA
Fu
Me
nd
diu
m
Ca
pF
un
d

0%

Source: AIA & BNM


AIA confidential and proprietary information. Not for distribution.

22

AIA Funds Performance vs. Fixed Deposit Interest Rate


Comparison based on a 5-year Annualized Return as at Dec 31, 2010

Lumpsum Basis

18%

16.80%

16.49%

15.91%

16%
14%
12%

11.12%

10.88%
9.99%

10%

8.50%

8%
6%

5.28%

4%

3.30%

2%

d
Me
diu

Ca
p

Fu
n

un
d
Ag
AIA

AIA

gre
ss
ive
F

Di n
a
na
Da
AIA

Ho
riz
on
F
w
Ne

mi
k

un
d

d
un
om
eF

AIA

AIA

Da
AIA

Fi x
ed

na

Inc

Fu
uit
y
Eq
AIA

ge
Ma
na
AIA

Pr
og
r es
if

d
dF
un

os
it
De
p
ed
Fix

nd

0%

Source: AIA & BNM


AIA confidential and proprietary information. Not for distribution.

23

AIA Funds Performance Dollar-Cost-Averaging


Equity Fund
AIA Equity Fund
Dec 2005 - Dec 2010

1.646

Ja
n0
M 6
ar
-0
M 6
ay
-0
6
Ju
l-0
S 6
ep
-0
6
N
o
v0
6
Ja
n0
M 7
ar
-0
M 7
ay
-0
7
Ju
l-0
S 7
ep
-0
7
N
o
v0
7
Ja
n0
M 8
ar
-0
M 8
ay
-0
8
Ju
l-0
S 8
ep
-0
8
N
o
v0
8
Ja
n0
9
M
ar
-0
M 9
ay
-0
9
Ju
l-0
S 9
ep
-0
9
N
o
v0
9
Ja
n1
0
M
ar
-1
M 0
ay
-1
0
Ju
l-1
S 0
ep
-1
0
N
o
v1
0

5 years

Unit Price (RM)


2
1.8
1.6
1.4
1.006
1.2
1
0.8
0.6
0.4

Payment
Mode
Monthly

Investment
Period
Jan 06 ~ Dec 10

Duration

No. of
Total
Total Investment Investment
Payments Capital Outlay Value @ Dec 2010 Return/Yield
(years)
(times)
(RM)
(RM)
p.a.
7.67%
5.00
60
6,000
7,426.86
AIA Equity Fund
Since Inception: Dec 1999 - Dec 2010

1.606
1.08

D
e
c9
9
A
pr
-0
0
A
ug
-0
D 0
e
c0
0
A
pr
-0
A 1
ug
-0
1
D
e
c0
1
A
pr
-0
A 2
ug
-0
2
D
e
c0
2
A
pr
-0
3
A
ug
-0
D 3
e
c0
3
A
pr
-0
4
A
ug
-0
D 4
e
c0
4
A
pr
-0
A 5
ug
-0
5
D
e
c0
5
A
pr
-0
6
A
ug
-0
6
D
e
c0
6
A
pr
-0
7
A
ug
-0
D 7
e
c0
7
A
pr
-0
A 8
ug
-0
8
D
e
c0
8
A
pr
-0
A 9
ug
-0
9
D
e
c0
9
A
pr
-1
0
A
ug
-1
D 0
e
c1
0

Since
Launch

Unit Price (RM)


2
1.8
1.6
1.4
1
1.2
1
0.8
0.6
0.4

Mode
Monthly

Period
Dec 99 ~ Dec 10

(years)
11.09

Payments Capital Outlay Value @ Dec 2010 Return/Yield


(times)
(RM)
(RM)
p.a.
8.48%
133
13,300
21,665.59

Source: AIA
AIA confidential and proprietary information. Not for distribution.

24

AIA Funds Performance Dollar-Cost-Averaging


Managed Fund
AIA Managed Fund
Dec 2005 - Dec 2010
Unit Price (RM)
2
1.8
1.6
1.4
1.049
1.2
1
0.8
0.6
0.4

ec
-0
Fe 5
b0
Ap 6
r0
Ju 6
nAu 0 6
g0
O 6
ct
-0
D 6
ec
-0
Fe 6
b0
Ap 7
r07
Ju
nAu 0 7
g0
O 7
ct
-0
D 7
ec
-0
Fe 7
b0
Ap 8
r08
Ju
nAu 0 8
g0
O 8
ct
-0
D 8
ec
-0
Fe 8
b0
Ap 9
r0
Ju 9
nAu 0 9
g0
O 9
ct
-0
D 9
ec
-0
Fe 9
b1
Ap 0
r10
Ju
nAu 1 0
g1
O 0
ct
-1
D 0
ec
-1
0

5 years

1.692

Payment
Mode
Monthly

Investment
Period

Duration
(years)
5.00

Jan 06 ~ Dec 10

No. of
Total
Total Investment
Investment
Payments Capital Outlay Value @ Dec 2010 Return/Yield
(times)
(RM)
(RM)
p.a.
60
6,000
7,391.74
7.49%

AIA Managed Fund


Since Inception: Dec 1999 - Dec 2010
Unit Price (RM)
2
1.8
1.6
1.4
1.2
1
1
0.8
0.6
0.4

D
ec
-9
A 9
pr
-0
A 0
ug
D 00
ec
-0
A 0
pr
-0
A 1
ug
D 01
ec
-0
A 1
pr
-0
A 2
ug
D 02
ec
-0
A 2
pr
-0
A 3
ug
D 03
ec
-0
A 3
pr
A 04
ug
D 04
ec
-0
A 4
pr
-0
A 5
ug
D 05
ec
-0
A 5
pr
-0
A 6
ug
D 06
ec
-0
A 6
pr
A 07
ug
D 07
ec
-0
A 7
pr
A 08
ug
D 08
ec
-0
A 8
pr
A 09
ug
D 09
ec
-0
A 9
pr
-1
A 0
ug
D 10
ec
-1
0

Since
Launch

1.692

Payment
Mode
Monthly

Investment
Period

Duration

Dec 99 ~ Dec 10

(years)
11.09

No. of
Total
Total Investment
Investment
Payments Capital Outlay Value @ Dec 2010 Return/Yield
(times)
(RM)
(RM)
p.a.
133
13,300
21,013.39
7.96%

Source: AIA
AIA confidential and proprietary information. Not for distribution.

25

AIA Funds Performance Dollar-Cost-Averaging


Dana Progressive Fund
AIA Dana Progresif
Dec 2005 - Dec 2010
Unit Price (RM)
2
1.8
1.6
1.4
1.043
1.2
1
0.8
0.6
0.4

D
e
c0
5
F
eb
-0
A 6
pr
-0
Ju 6
n0
6
A
ug
-0
6
O
ct
-0
D 6
e
c0
6
F
eb
-0
A 7
pr
-0
Ju 7
n0
7
A
ug
-0
O 7
ct
-0
D 7
e
c0
7
F
eb
-0
A 8
pr
-0
Ju 8
n0
8
A
ug
-0
O 8
ct
-0
D 8
e
c0
8
F
eb
-0
A 9
pr
-0
Ju 9
n0
9
A
ug
-0
9
O
ct
-0
D 9
e
c0
9
F
eb
-1
A 0
pr
-1
Ju 0
n1
0
A
ug
-1
0
O
ct
-1
D 0
e
c1
0

5 years

1.735

Payment
Mode
Monthly

Investment
Period
Jan 06 ~ Dec 10

Duration

No. of
Total
Total Investment
Investment
Payments Capital Outlay Value @ Dec 2010 Return/Yield
(years) (times)
(RM)
(RM)
p.a.
5.00
60
6,000
7,288.88
6.94%
AIA Dana Progresif
Since Inception: Feb 2000 - Dec 2010

Unit Price (RM)


2
1.8
1.6
1.4
1
1.2
1
0.8
0.6
0.4

1.131

Fe
b0
Ju 0
n0
O 0
ct
-0
Fe 0
bJu 01
nO 01
ct
-0
Fe 1
b0
Ju 2
nO 02
ct
F 02
eb
-0
Ju 3
nO 03
ct
-0
Fe 3
bJu 04
nO 04
ct
-0
Fe 4
b0
Ju 5
nO 05
ct
-0
Fe 5
b0
Ju 6
n0
O 6
ct
F 06
eb
-0
Ju 7
nO 07
ct
-0
Fe 7
bJu 08
nO 08
ct
-0
Fe 8
b0
Ju 9
n0
O 9
ct
-0
Fe 9
b1
Ju 0
n1
O 0
ct
-1
0

Since
Launch

1.767

Payment
Mode
Monthly

Investment
Period
Feb 00 ~ Dec 10

Duration

No. of
Total
Total Investment
Investment
Payments Capital Outlay Value @ Dec 2010 Return/Yield
(years) (times)
(RM)
(RM)
p.a.
10.93
131
13,100
21,356.63
8.62%

Source: AIA
AIA confidential and proprietary information. Not for distribution.

26

AIA Funds Performance Dollar-Cost-Averaging


Fixed Income Fund
AIA Fixed Income Fund
Dec 2005 - Dec 2010
Unit Price (RM)
2.4
2.2
2
1.8
1.6
1.4
1.2
1
0.8

1.465

D
ec
-0
Fe 5
b0
Ap 6
r0
Ju 6
nAu 0 6
g0
O 6
ct
-0
D 6
ec
-0
Fe 6
b0
Ap 7
r07
Ju
nAu 0 7
g0
O 7
ct
-0
D 7
ec
-0
Fe 7
b0
Ap 8
r0
Ju 8
nAu 0 8
g0
O 8
ct
-0
D 8
ec
-0
Fe 8
b0
Ap 9
r09
Ju
n0
Au 9
g09
O
ct
-0
D 9
ec
-0
Fe 9
b1
Ap 0
r1
Ju 0
nAu 1 0
g1
O 0
ct
-1
D 0
ec
-1
0

5 years

1.895

Payment
Mode
Monthly

Investment
Period
Jan 06 ~ Dec 10

Duration

No. of
Total
Total Investment Investment
Payments Capital Outlay Value @ Dec 2010 Return/Yield
(years)
(times)
(RM)
(RM)
p.a.
5.00
60
6,000
6,873.26
4.64%
AIA Fixed Income Fund
Since Inception: Feb 2000 - Dec 2010

Unit Price (RM )


2.4
2.2
2
1.8
1.6
1.4
1.2
1
0.8

1.386
1

F
eb
-0
Ju 0
n0
O 0
ct
-0
F
0
eb
-0
Ju 1
n0
O 1
ct
-0
F
eb 1
-0
Ju 2
n0
O 2
ct
-0
F
eb 2
-0
Ju 3
n0
O 3
ct
-0
F
eb 3
-0
Ju 4
n0
O 4
ct
-0
F
eb 4
-0
Ju 5
nO 05
ct
F 05
eb
-0
Ju 6
n0
O 6
ct
-0
F
6
eb
-0
Ju 7
n0
O 7
ct
-0
F
7
eb
-0
Ju 8
n0
O 8
ct
-0
F
8
eb
-0
Ju 9
n0
O 9
ct
-0
F
9
eb
-1
Ju 0
n1
O 0
ct
-1
0

Since
Launch

1.891

Payment
Mode
Monthly

Investment
Period
Feb 00 ~ Dec 10

Duration
(years)
10.93

No. of
Total
Total Investment
Investment
Payments Capital Outlay Value @ Dec 2010 Return/Yield
(times)
(RM)
(RM)
p.a.
131
13,100
17,874.99
5.54%

Source: AIA
AIA confidential and proprietary information. Not for distribution.

27

AIA Funds Performance Dollar-Cost-Averaging


Aggressive Fund
AIA Aggressive Fund
Dec 2005 - Dec 2010
Unit Price (RM)
3.200
2.800
2.400
2.000
1.600
1.200
0.800
0.400

1.324

D
e
c0
5
F
eb
-0
A 6
pr
-0
Ju 6
n0
6
A
ug
-0
O 6
ct
-0
D 6
e
c0
6
F
eb
-0
A 7
pr
-0
Ju 7
n0
7
A
ug
-0
O 7
ct
-0
D 7
e
c0
7
F
eb
-0
A 8
pr
-0
Ju 8
n0
8
A
ug
-0
8
O
ct
-0
D 8
e
c0
8
F
eb
-0
A 9
pr
-0
9
Ju
n0
9
A
ug
-0
9
O
ct
-0
D 9
e
c0
9
F
eb
-1
A 0
pr
-1
Ju 0
n1
0
A
ug
-1
0
O
ct
-1
D 0
e
c1
0

5 years

2.878

Payment
Mode

Investment
Period

Monthly

Jan 06 ~ Dec 10

Duration
(years)
5.00

AIA Aggressive Fund


Since Inception: Jul 2001 - Dec 2010

Unit Price (RM )


3.2
2.8
2.4
2
1.6
1.2
0.8
0.4

2.878

1.4
1

Ju
l-0
N 1
ov
-0
M 1
ar
-0
2
Ju
l-0
N 2
ov
-0
M 2
ar
-0
3
Ju
l-0
N 3
ov
-0
M 3
ar
-0
4
Ju
l-0
N 4
ov
-0
M 4
ar
-0
5
Ju
l-0
N 5
ov
-0
M 5
ar
-0
6
Ju
l-0
N 6
ov
-0
M 6
ar
-0
7
Ju
l-0
N 7
ov
-0
M 7
ar
-0
8
Ju
l-0
N 8
ov
-0
M 8
ar
-0
9
Ju
l-0
N 9
ov
-0
M 9
ar
-1
0
Ju
l-1
N 0
ov
-1
0

Since
Launch

No. of
Total
Total Investment
Investment
Payments Capital Outlay Value @ Dec 2010 Return/Yield
(times)
(RM)
(RM)
p.a.
60
6,000
9,143.24
14.02%

Payment
Mode
Monthly

Investment
Period
Jul 01 ~ Dec 10

Duration
(years)
9.47

No. of
Total
Total Investment
Investment
Payments Capital Outlay Value @ Dec 2010 Return/Yield
(times)
(RM)
(RM)
p.a.
115
11,500
22,497.03
13.47%

Source: AIA
AIA confidential and proprietary information. Not for distribution.

28

AIA Funds Performance Dollar-Cost-Averaging


Dana Dinamik
AIA Dana Dinamik
Dec 2005 - Dec 2010
Unit Price (RM)
2.800

2.417

2.400
2.000

5 years

1.600

1.155

1.200
0.800

D
ec
-0
Fe 5
b0
A 6
pr
-0
Ju 6
n0
6
A
ug
-0
O 6
ct
-0
D 6
ec
-0
Fe 6
b0
A 7
pr
-0
Ju 7
n07
A
ug
-0
O 7
ct
-0
D 7
ec
-0
Fe 7
b0
A 8
pr
-0
Ju 8
n08
A
ug
-0
O 8
ct
-0
D 8
ec
-0
Fe 8
b0
A 9
pr
-0
Ju 9
n0
9
A
ug
-0
O 9
ct
-0
D 9
ec
-0
Fe 9
b1
A 0
pr
-1
Ju 0
n10
A
ug
-1
O 0
ct
-1
D 0
ec
-1
0

0.400

Payment
Mode

Investment
Period

Monthly

Duration

No. of
Total
Total Investment
Investment
Payments Capital Outlay Value @ Dec 2010 Return/Yield
(times)
(RM)
(RM)
p.a.
60
6,000
8,721.09
14.02%

(years)
5.00

Jan 06 ~ Dec 10

AIA Dana Dinamik


Since Inception: Jul 2001 - Dec 2010
Unit Price (RM)
2.8

2.417

2.4
2
1.224

1.2
0.8

Payment
Mode
Monthly

Investment
Period
Jul 01 ~ Dec 10

Duration
(years)
9.47

Nov-10

Jul-10

Mar-10

Jul-09

Nov-09

Mar-09

Nov-08

Jul-08

Mar-08

Nov-07

Jul-07

Mar-07

Nov-06

Jul-06

Nov-05

Mar-06

Jul-05

Nov-04

Mar-05

Jul-04

Mar-04

Jul-03

Nov-03

Mar-03

Nov-02

Jul-02

Mar-02

Nov-01

0.4
Jul-01

Since
Launch

1.6

No. of
Total
Total Investment
Investment
Payments Capital Outlay Value @ Dec 2010 Return/Yield
(times)
(RM)
(RM)
p.a.
115
11,500
21,020.45
12.13%

Source: AIA
AIA confidential and proprietary information. Not for distribution.

29

AIA Funds Performance Dollar-Cost-Averaging


Mid Cap Fund
AIA Medium Cap. Fund
Dec 2005 - Dec 2010
Unit Price (RM)
2.800

2.482

2.400
2.000

5 years

1.600

1.157

1.200
0.800

D
ec
Fe 05
bA 06
pr
Ju 06
n
A -06
ug
O 06
ct
D 06
ec
Fe 06
bA 07
pr
Ju 07
nA 07
ug
O 07
ct
-0
D 7
ec
Fe 07
bA 08
pr
Ju 08
nA 08
ug
O 08
ct
-0
D 8
ec
Fe 08
bA 09
pr
Ju 09
nA 09
ug
O 09
ct
-0
D 9
ec
Fe 09
bA 10
pr
Ju 10
nA 10
ug
O 10
ct
-1
D 0
ec
-1
0

0.400

Payment
Mode
Monthly

Investment
Period
Jan 06 ~ Dec 10

Duration
(years)
5.00

No. of
Total
Total Investment
Investment
Payments Capital Outlay Value @ Dec 2010 Return/Yield
(times)
(RM)
(RM)
p.a.
60
6,000
9,056.50
15.53%

AIA Medium Cap. Fund


Since Inception: Jul 2001 - Dec 2010
Unit Price (RM)
2.8

2.482

2.4
2

Since
Launch

1.6
1.2

1.244

0.8

Ju
l-0
D 1
ec
-0
M 1
ay
-0
O 2
ct
-0
2
M
ar
-0
3
A
ug
-0
3
Ja
n0
Ju 4
n0
N 4
ov
-0
A 4
pr
-0
S 5
ep
-0
Fe 5
b06
Ju
l-0
D 6
ec
-0
M 6
ay
-0
O 7
ct
-0
7
M
ar
-0
8
A
ug
-0
8
Ja
n0
Ju 9
n0
N 9
ov
-0
A 9
pr
-1
S 0
ep
-1
0

0.4

Payment
Mode
Monthly

Investment
Period
Jul 01 ~ Dec 10

Duration
(years)
9.47

No. of
Total
Total Investment
Investment
Payments Capital Outlay Value @ Dec 2010 Return/Yield
(times)
(RM)
(RM)
p.a.
115
11,500
21,105.40
12.21%

Source: AIA
AIA confidential and proprietary information. Not for distribution.

30

AIA Funds Performance Dollar-Cost-Averaging


New Horizon Fund
AIA New Horizon Fund
Dec 2005 - Dec 2010

1.528

D
e
c0
5
F
eb
-0
A 6
pr
-0
Ju 6
n0
6
A
ug
-0
6
O
ct
-0
D 6
e
c0
6
F
eb
-0
A 7
pr
-0
Ju 7
n0
7
A
ug
-0
7
O
ct
-0
D 7
e
c0
7
F
eb
-0
A 8
pr
-0
Ju 8
n0
8
A
ug
-0
O 8
ct
-0
D 8
e
c0
8
F
eb
-0
A 9
pr
-0
Ju 9
n0
9
A
ug
-0
O 9
ct
-0
D 9
e
c0
9
F
eb
-1
A 0
pr
-1
Ju 0
n1
0
A
ug
-1
O 0
ct
-1
D 0
e
c1
0

5 years

Unit Price (RM)


2
1.8
1.6
1.4
1.016
1.2
1
0.8
0.6
0.4

Payment
Mode
Monthly

Investment
Period
Jan 06 ~ Dec 10

Duration
(years)
5.00

No. of
Total
Total Investment
Investment
Payments Capital Outlay Value @ Dec 2010 Return/Yield
(times)
(RM)
(RM)
p.a.
60
6,000
7,063.28
5.70%

AIA New Horizon Fund


Since Inception: Aug 2004 - Dec 2010

1.528
1.331

A
ug
-0
4
N
ov
-0
4
F
eb
-0
5
M
ay
-0
5
A
ug
-0
5
N
ov
-0
5
F
eb
-0
M 6
ay
-0
6
A
ug
-0
6
N
ov
-0
6
F
eb
-0
7
M
ay
-0
7
A
ug
-0
7
N
ov
-0
7
F
eb
-0
8
M
ay
-0
8
A
ug
-0
8
N
ov
-0
8
F
eb
-0
9
M
ay
-0
9
A
ug
-0
9
N
ov
-0
9
Fe
b1
M 0
ay
-1
0
A
ug
-1
0
N
ov
-1
0

Since
Launch

Unit Price (RM)


2
1.8
1.6
1.4
1
1.2
1
0.8
0.6
0.4

Payment
Mode
Monthly

Investment
Period
Aug 04 ~ Dec 10

Duration
(years)
6.42

No. of
Total
Total Investment
Investment
Payments Capital Outlay Value @ Dec 2010 Return/Yield
(times)
(RM)
(RM)
p.a.
77
7,700
9,571.55
6.69%

Source: AIA
AIA confidential and proprietary information. Not for distribution.

31

AIA Funds Performance Dollar-Cost-Averaging


Asia Platinum Fund
AIA Asia Platinum Fund
Since Inception: April 2006 - Dec 2010

Unit Price (RM)


1.3

Since
Launch

1.1
0.9
0.7

0.607

0.5

0.5
0.3

Payment
Mode
Monthly

Investment
Period
April 06 ~ Dec 10

Duration
(years)
4.76

Dec-10

Oct-10

Jun-10
Aug-10

Apr-10

Feb-10

Dec-09

Oct-09

Jun-09
Aug-09

Apr-09

Feb-09

Dec-08

Aug-08
Oct-08

Jun-08

Apr-08

Feb-08

Dec-07

Aug-07
Oct-07

Jun-07

Apr-07

Feb-07

Dec-06

Aug-06
Oct-06

Jun-06

Apr-06

0.1

No. of
Total
Total Investment
Investment
Payments Capital Outlay Value @ Dec 2010 Return/Yield
(times)
(RM)
(RM)
p.a.
57
5,700
6,332.31
4.37%

Source: AIA
AIA confidential and proprietary information. Not for distribution.

32

AIA Funds Performance Dollar-Cost-Averaging


International Small Cap Fund
AIA International Small Cap Fund
Since Inception: Dec 2006 - Dec 2010

Unit Price (RM)

Since
Launch

0.7
0.5
0.435

0.5
0.3

De
c0
Fe 6
b0
Ap 7
r- 0
Ju 7
n07
A
ug
-0
O 7
ct
-0
De 7
c0
Fe 7
b0
Ap 8
r- 0
Ju 8
n08
A
ug
-0
O 8
ct
-0
De 8
c0
Fe 8
b0
Ap 9
r- 0
Ju 9
n09
A
ug
-0
O 9
ct
-0
D 9
ec
-0
Fe 9
b1
A 0
pr
-1
Ju 0
n1
Au 0
g1
O 0
ct
-1
D 0
ec
-1
0

0.1

Payment
Mode
Monthly

Investment
Period
Dec 06 ~ Dec 10

Duration
(years)
4.09

No. of
Total
Total Investment
Investment
Payments Capital Outlay Value @ Dec 2010 Return/Yield
(times)
(RM)
(RM)
p.a.
49
4,900
5,334.64
4.11%

Source: AIA
AIA confidential and proprietary information. Not for distribution.

33

AIA Funds Performance Dollar-Cost-Averaging


Eleven Plus Fund
AIA Eleven Plus Fund
Since Inception: Sep 2007 - Dec 2010
Unit Price (RM)
1

Since
Launch

0.8
0.6

0.534

0.5

0.4

Se
p0
No 7
v0
Ja 7
n0
M 8
ar
-0
M 8
ay
-0
8
Ju
l-0
Se 8
p0
No 8
v0
Ja 8
n0
M 9
ar
-0
M 9
ay
-0
9
Ju
l-0
Se 9
p0
No 9
v0
Ja 9
n1
M 0
ar
-1
M 0
ay
-1
0
Ju
l-1
Se 0
p1
No 0
v10

0.2

Payment
Mode
Monthly

Investment
Period
Sep 07 ~ Dec 10

Duration
(years)
3.34

No. of
Total
Total Investment
Investment
Payments Capital Outlay Value @ Dec 2010 Return/Yield
(times)
(RM)
(RM)
p.a.
40
4,000
4,606.98
8.43%

Source: AIA
AIA confidential and proprietary information. Not for distribution.

34

AIA Funds Performance Dollar-Cost-Averaging


Dana Bon
AIA Dana Bon
Since Inception: Jun 2008 - Dec 2010
Unit Price (RM)

Since
Launch

0.9
0.7

0.551

0.5

0.5
0.3

Payment
Mode
Monthly

Investment
Period
Jun 08 ~ Dec 10

Duration
(years)
2.59

Fe
b10
Ap
r- 1
0
Ju
n10
Au
g10
O
ct
-1
0
De
c10

Ju
n09
Au
g09
O
ct
-0
9
De
c09

Ju
n08
Au
g08
O
ct
-0
8
De
c08
Fe
b09
Ap
r- 0
9

0.1

No. of
Total
Total Investment
Investment
Payments Capital Outlay Value @ Dec 2010 Return/Yield
(times)
(RM)
(RM)
p.a.
31
3,100
3,262.17
3.87%

Source: AIA
AIA confidential and proprietary information. Not for distribution.

35

AIA Funds Performance Dollar-Cost-Averaging


Asia Opportunity Fund
Asia Opportunity Fund
Since Inception: April 2009 - Dec 2010

Since
Launch

Unit Price (RM)


0.8
0.61
0.6

0.5

0.4

Payment
Mode
Monthly

Investment
Period
Apr 09 ~ Dec 10

Duration
(years)
1.76

De
c10

O
ct
-1
0

Au
g10

Ju
n10

Ap
r- 1
0

Fe
b10

De
c09

O
ct
-0
9

Au
g09

Ju
n09

Ap
r- 0
9

0.2

No. of
Total
Total Investment
Investment
Payments Capital Outlay Value @ Dec 2010 Return/Yield
(times)
(RM)
(RM)
p.a.
21
2,100
2,386.18
14.66%

Source: AIA
AIA confidential and proprietary information. Not for distribution.

36

Investment-linked Plans - Needs-based Selling

Protection

AIA Assurance Account


CLR
MCLR
WPUL
A Lady/A Elite Lady
FC/FCP
EPB
EPA
ECP+MCP

Retirement
AIA Retirement Account

Wealth
Accumulation

Single Premium ILP plans


Ad Hoc Top Up
Schedule Top Up

Savings/Education

Medical/Health

AIA Education Account


EPB

ILP Product Packaging


AMA
AFA
AHA
All-in-one

AIA confidential and proprietary information. Not for distribution.

37

Packaged Plans for Single Need

AMA

For customers who look for


comprehensive medical protection.

AHA

For customers who seek for


protection against critical illnesses.

AFA

For lady customers who seek for


protection against female illnesses
and maternity protection.

AIA confidential and proprietary information. Not for distribution.

38

Packaged Plans for Single Need

AMA

For customers who look for


comprehensive medical protection.

AIA confidential and proprietary information. Not for distribution.

39

Solutions to Your Medical Needs


AIA Medical Account (AAA + ECP+MCP) A comprehensive 4-in-1 medical plan covers you up to age 100.
Prem ium
(RM)
15,000

12,000

9,000

6,000

3,000

AMA
Age

0
0

Life /TPD Protection to


Age 100

2 Medical Coverage
to Age 100

Potential Investment
Return

10

20

30

40

50

60

70

80

90

Level Premium

People are living a longer life but we cannot avoid ourselves from being sick one day in future.
When you are young and healthy

Malaysian Life Expectancy at birth


Gender

Of course, you are confident to say:

Average Life Expectancy


2005

2006

2007

2008e

I am young, strong and healthy.

Male

71.4

71.5

71.5

71.6

I dont see a need for medical & health


insurance plan.

Female

76.2

76.3

76.3

76.4

But what if you are old and sick or unhealthy


at young age?
You will start to worry the followings:
Do I have sufficient fund for medical fees?
Will I become the burden of my family?
AIA confidential and proprietary information. Not for distribution.

Source: Department of Statistics, Malaysia

Medical cost is escalating!


Across the world, the increases in doctors bills are
outpacing the general inflation rate each year.
9 Global medical inflation averages about 10% each
year.
9 In Malaysia, medical inflation is estimated to be
around 15% each year.
Source: The Star newspaper, 14 March 2009

40

AIA Medical Account (AMA)


The ONLY Medical Plan that covers you up to age 100 with NO LIFETIME LIMIT!!!
MALE
Age

Benefits
Death/ TPD

R&B

Account Value at
age 80

Monthly
Premium

Benefits
Death/ TPD

R&B

Account Value at
age 80

300

80,000

1,617,300

300

80,000

1,622,100

300

80,000

1,298,400

300

80,000

1,272,100

10

300

70,000

1,034,700

300

70,000

1,002,400

15

300

70,000

810,500

300

70,000

773,500

20

300

40,000

646,600

300

40,000

606,600

25

300

40,000

479,700

300

40,000

30

300

30,000

354,100

300

30,000

324,600

35

300

30,000

239,400

300

30,000

212,600

40

300

15,000

164,200

300

15,000

142,900

45

300

15,000

91,300

300

15,000

74,100

50

300

15,000

33,600

300

15,000

21,700

Notes:
1.
2.
3.
4.

Monthly
Premium

FEMALE

150

150

444,700

The cash values shown above are on projection basis on medium return which invested in 50% Fixed Income Fund and 50% Asia Opportunity Fund. Assuming
the plan is sustainable to age 80 and the Insured is non-smoker.
The Monthly Premium that you required to pay may vary from the tables above due to choice of fund(s), medical loading, sex, age, sustainability, etc.
The values shown in the table above are extracted from sales illustration Version ILS 1.52
Monthly premium consists of RM200 Regular Premium and RM100 Scheduled Top Up Premium.

From onth
00/m
RM3
AIA confidential
and proprietary
information.
distribution. Planner at ___________________________
For
more details,
please
call Not
ourforFinancial

41

Packaged Plans for Single Need

AHA

For customers who seek for


protection against critical illnesses.

AIA confidential and proprietary information. Not for distribution.

42

PROTECTION AGAINST CRITICAL ILLNESSES


Major causes which escalate the incidents of critical illnesses:
1. Work pressure

2. Unbalanced diet

3. Unhealthy lifestyle

Critical Illness is becoming a very serious


health concern.
1. Cardiovascular disease (stroke, heart
attack, etc) is the leading cause of death
in the world

4. Lack of exercise

5. Environment
Pollution

The expensive medical expenses are a


burden to a lot of people.
AHA covers you comprehensive critical
illnesses coverage as follows:
Covers 36
Critical Illnesses

2. Population ageing is contributing to the


rise in cancer and heart disease
No surviving period
required
3. Lung cancer is the most common cause
of death from cancer in the world
Coverage up to age 100
Source: WHO http://www.who.int/features/factfiles/global_burden/en/
AIA confidential and proprietary information. Not for distribution.

43

AIA Health Account (AHA)


AIA Health Account (AAA + CLR + WPUL)

Life /TPD Protection to


Age 100

Critical Illness
Coverage

3 Waiver of Premium

Male
Benefits

Age

Account
Value @
age 80

Monthly
Premium

Critical

Waiver of
Premium

20

100,000

100,000

1,800
3,600

743,800
637,100

25

100,000

100,000

1,800
3,600

30

100,000

100,000

35

100,000

40
45

2.
3.
4.

Potential Investment
Return

Female

Death /
TPD

Notes:
1.

Benefits

Account
Value @
age 80

Monthly
Premium

Death /
TPD

Critical

Waiver of
Premium

150
300

100,000

100,000

1,800
3,600

708,600
633,700

150
300

425,300
457,600

150
300

100,000

100,000

1,800
3,600

395,200
454,700

150
300

1,800
3,600

201,200
310,600

150
300

100,000

100,000

1,800
3,600

176,200
308,400

150
300

100,000

2,400
3,600

176,500
189,700

200
300

100,000

100,000

2,400
3,600

160,700
188,900

200
300

100,000

100,000

3,000
3,600

112,500
90,600

250
300

100,000

100,000

3,000
3,600

110,000
93,800

250
300

100,000

100,000

3,600

40,000
11,700

300

100,000

100,000

3,600

50,100
19,400

300

The cash values shown above are on projection basis on medium return which invested in 50% Fixed Income Fund and 50% Asia Opportunity Fund. Assuming
the plan is sustainable to age 80 and the Insured is non-smoker.
The Monthly Premium that you required to pay may vary from the tables above due to choice of fund(s), medical loading, sex, age, sustainability, etc.
The values shown in the table above are extracted from sales illustration Version ILS 1.52
Monthly premium consists of RM200 Regular Premium and RM100 Scheduled Top Up Premium

AIA confidential
and proprietary
information.
distribution. Planner at ___________________________
For
more details,
please
call Not
ourforFinancial

From nth
o
00/m
RM3

44

Packaged Plans for Single Need

AFA

For lady customers who seek for


protection against female illnesses
and maternity protection.

AIA confidential and proprietary information. Not for distribution.

45

AFA LADIES BEST COMPANION


Ladies are blessed with multiple roles in life.
Lady
Executive

Daughter

Mother

Wife/
Companion

AFA provides the best and comprehensive


female protection inclusive of:
1. 200% of the sum assured for female cancer.
2. Lump sum payment for Breast
Reconstructive Surgery Benefit.
3. Lady Care Services free referral when you
need household and automobile assistance.
4. Maternity Benefits

Ladies are at the higher risk to various dreaded illnesses due to hectic lifestyles.
1. Breast Cancer is the most common
cancer in female age range from 40-60
in Malaysia.
Source : National Cancer Registry, Ministry of Health
Malaysia

2. Cervix Uteri and Ovary Cancer are the


top 4 female cancer affect females
after 40 years old.
Source : National Cancer Registry, Ministry of Health
Malaysia

3. Rheumatoid arthritis affects about 5 in


1,000 people in Malaysia.
Source :
http://www.afm.org.my/info/rheumatoid_arthritis.php,
Arthritis Foundation of Malaysia (2009)

4. Women past their menopause face 2


times higher risk than male in
Osteoporotic fracture.
Malaysian Chinese were the highest
(63%), followed by Malays (20%) and
Indian (13%).
Source : International Osteoporosis Foundation (IOF)
Report, & http://www.mysinchew.com/node/30013

AIA confidential and proprietary information. Not for distribution.

46

AIA Female Account (AFA)


AIA Female Account (AAA + A Lady/ A Elite Lady)
A specially designed protection plan for ladies from all walks of life against female dreaded illnesses.

Life /TPD Protection to


Age 100

Special Lady
Coverage

AAA + A Lady

Potential Investment
Return

AAA + A Elite Lady

Age

Death/
TPD

Lady
Benefit

Account Value
@ age 80

Monthly
Premium

Death/
TPD

Lady/ Maternity
Benefit

Account Value
@ age 80

Monthly
Premium

20

100,000

100,000

595,800

300

100,000

100,000

529,700

300

25

100,000

100,000

186,900
425,300

150
300

100,000

100,000

650,700
366,800

250
300

30

100,000

100,000

290,900

300

100,000

100,000

253,000

300

35

100,000

100,000

179,700
61,400

200
300

100,000

100,000

176,900
160,800

250
300

40

100,000

100,000

90,700

300

100,000

100,000

84,400

300

45

100,000

100,000

195,200
28,900

400
300

Notes:
1.
2.
3.
4.

The cash values shown above are on projection basis on medium return which invested in 50% Fixed Income Fund and 50% Asia Opportunity Fund. Assuming
the plan is sustainable to age 80 and the Insured is non-smoker.
The Monthly Premium that you required to pay may vary from the tables above due to choice of fund(s), medical loading, sex, age, sustainability, etc.
The values shown in the table above are extracted from sales illustration Version ILS 1.52
Monthly premium consists of RM200 Regular Premium and RM100 Scheduled Top Up Premium

From nth
o
00/m
RM3
AIA confidential
and proprietary
information.
distribution. Planner at ___________________________
For
more details,
please
call Not
ourforFinancial

47

Packaged Plan for Multi Needs

AIA
One Solution

2 packages:
All-in-one Plan for males
All-in-one Plan for females
Comprehensive coverage for all
unexpected events.

AIA confidential and proprietary information. Not for distribution.

48

AIA One Solution Male


AIA One Solution (AAA + ECP + MCP + CLR + MCLR + WPUL +EPA)
An all in one shield plan that protects you when unexpected incidents strike.

Life /TPD Protection


to Age 100

2 Medical
Coverage to Age
100

AIA confidential and proprietary information. Not for distribution.

3 Comprehensive
Critical Illness
Coverage

4 Waiver of Premium

Accidental
Coverage

Potential Investment
Return

49

AIA One Solution Male


AIA One Solution protects you from all unexpected events.
Benefits
Age

Medical
(R&B)

Enhance
d PA

CLR

MCLR

Waiver of
Premium

20

1,149,000

25

817,500

30

100,000

150

100,000

50,000

50,000

7,200

544,600

35

319,000

40

136,800

Notes:
1.
2.
3.
4.

Death /
TPD

Account
Value @ age
80

Monthly
Premium

600

The cash values shown above are on projection basis on medium return which invested in 50% Fixed Income Fund and 50% Asia Opportunity Fund. Assuming
the plan is sustainable to age 80 and the Insured is non-smoker.
The Monthly Premium that you required to pay may vary from the tables above due to choice of fund(s), medical loading, sex, age, sustainability, etc.
The values shown in the table above are extracted from sales illustration Version ILS 1.52
Monthly premium consists of RM300 Regular Premium and RM300 Scheduled Top Up Premium.

AIA confidential
and proprietary
information.
distribution. Planner at ___________________________
For
more details,
please
call Not
ourforFinancial

50

AIA One Solution Female


AIA One Solution (AAA + ECP + MCP + CLR + MCLR + WPUL + A Elite Lady)
A comprehensive shield plan that protects you against unexpected events & illnesses.

Life /TPD Protection


to Age 100

2 Medical
Coverage to Age
100

AIA confidential and proprietary information. Not for distribution.

3 Comprehensive
Critical Illness
Coverage

Special Lady
Coverage

4 Waiver of Premium
Critical illnesses

Potential Investment
Return

51

AIA One Solution Female


AIA One Solution protects you from all unexpected events and female
related illnesses.
Benefits
Age

Medical
(R&B)

Critical
Illness

Waiver of
Premium

A Lady
Coverage

20

1,012,700

25

679,200

30

100,000

150

100,000

7,200

100,000

409,600

35

188,100

40

16,700

Notes:
1.
2.
3.
4.

Death /
TPD

Account Value
@ age 80

Monthly
Premium

600

The cash values shown above are on projection basis on medium return which invested in 50% Fixed Income Fund and 50% Asia Opportunity Fund. Assuming
the plan is sustainable to age 80 and the Insured is non-smoker.
The Monthly Premium that you required to pay may vary from the tables above due to choice of fund(s), medical loading, sex, age, sustainability, etc.
The values shown in the table above are extracted from sales illustration Version ILS 1.52
Monthly premium consists of RM300 Regular Premium and RM300 Scheduled Top Up Premium.

AIA confidential
and proprietary
information.
distribution. Planner at ___________________________
For
more details,
please
call Not
ourforFinancial

52

AIA One Solution Female


AIA One Solution protects you from all unexpected events inclusive of
female related illnesses and maternity protection.
Benefits
Age

Medical
(R&B)

Critical
Illness

Waiver of
Premium

A Elite Lady
Coverage

Account Value
@ age 80

20

946,600

25

620,700

30

100,000

150

100,000

7,200

100,000

371,700

35

169,200

40

10,400

Notes:
1.
2.
3.
4.

Death /
TPD

Monthly
Premium

600

The cash values shown above are on projection basis on medium return which invested in 50% Fixed Income Fund and 50% Asia Opportunity Fund. Assuming
the plan is sustainable to age 80 and the Insured is non-smoker.
The Monthly Premium that you required to pay may vary from the tables above due to choice of fund(s), medical loading, sex, age, sustainability, etc.
The values shown in the table above are extracted from sales illustration Version ILS 1.52
Monthly premium consists of RM300 Regular Premium and RM300Scheduled Top Up Premium.

AIA confidential
and proprietary
information.
distribution. Planner at ___________________________
For
more details,
please
call Not
ourforFinancial

53

Bonus Units Campaign is Back!!!


Campaign Period:
14 March 30 April, 2011
Up to 1% Extra Units
For EL and EL Plus, lower
upfront charge by 0.5%
(4.5% vs. 5.0%) for Single
Premium and/or Top-up
Premium RM50,000
AIA confidential and proprietary information. Not for distribution.

54

Bonus Units Campaign


Terms and Conditions:
1. Bonus Units for Adhoc Top-up Premium from RM20,000 and above.
Adhoc Top Up
Premium

Bonus Units

Plans Applicable

RM20,000 RM39,999

0.5% on Adhoc Top Up


Premium

RM40,000 and above

1.0% on Adhoc Top Up


Premium

Single Premium and


Regular Premium Cases
(New or Existing Policies)

2. Eligibility:
ExcelLink (EL), EL Plus, AIA Capital Builder (ACB), ACB Plus,
AAA, AEA, ARA, AAA Special, AEA Special.
All Investment-linked Funds
3. Entitlement of Bonus Units is per transaction basis and not
accumulative.

AIA confidential and proprietary information. Not for distribution.

55

Bonus Units Entitlement


New Policy
1. Example on new purchase of Excellink Plus (EL Plus):
Encik Ahmad invests RM60,000 in EL Plus on 16th March, 2011.
ExcelLink Plus:
Adhoc Top-up Premium Amount

RM40,000

Fund Allocation

100 % in AIA Asia Opportunity Fund

AIA Asia Opportunity Fund Price

RM0.601 per unit*

* Please note that the fund price shown is just an assumption. It will be calculated based on the latest fund price at the
time you make the transaction which will be calculated on daily basis.

Bonus amount (on Top-up Premium)

= RM40,000 x 1% = RM400

Bonus Units Entitlement

= RM(400 / 0.601) = 666 units

For EL Plus, with Single Premium and/or Top-up Premium RM50,000,


your clients will enjoy a lower upfront charge by 0.5% (4.5% vs. 5.0%)
and at the same time earn bonus units of up to 1% of Adhoc Top-up
Premium.
AIA confidential and proprietary information. Not for distribution.

56

Bonus Units Entitlement


New Policy
2. Example on new purchase of AIA Assurance Account (AAA):
Ms. Jenny buys a AAA policy with Annual Premium of RM2,400 and she
enhances her account value by an Adhoc Top-up Premium of
RM20,000 to enjoy the extra units from this campaign.
AAA:
Adhoc Top-up Premium Amount

RM20,000

Fund Allocation

100 % in AIA Asia Opportunity Fund

AIA Asia Opportunity Fund Price

RM0.601 per unit*

* Please note that the fund price shown is just an assumption. It will be calculated based on the latest fund price at the
time you make the transaction which will be calculated on daily basis.

Bonus amount (on Top-up Premium)

= RM20,000 x 0.5% = RM100

Bonus Units Entitlement

= RM(100 / 0.601) = 166 units

AIA confidential and proprietary information. Not for distribution.

57

Bonus Units Entitlement


Existing Policy
3. Example on existing policy with Adhoc Top-up Premium of AIA Capital
Builder Plus (ACB Plus):
Mr. Chong makes an Adhoc Top-up premium of RM30,000 in his
existing ACB Plus policy.
AAA:
Adhoc Top-up Premium Amount

RM30,000

Fund Allocation

100 % in AIA Asia Opportunity Fund

AIA Asia Opportunity Fund Price

RM0.601 per unit*

* Please note that the fund price shown is just an assumption. It will be calculated based on the latest fund price at the
time you make the transaction which will be calculated on daily basis.

Bonus amount (on Top-up Premium)

= RM30,000 x 0.5% = RM150

Bonus Units Entitlement

= RM(150 / 0.601) = 250 units

AIA confidential and proprietary information. Not for distribution.

58

Bonus Units Campaign


14 March 30 April, 2011
100 prizes to be won
Applicable for Ad Hoc Top Up
premium only

AIA confidential and proprietary information. Not for distribution.

Top 100
Qualifiers

Item

Min Cumulative Ad Hoc


Top-up Premium

1st to 5th

Samsung 40" LED TV

RM 500,000.00

6th to 20th

Apple iPad v1 32GB

RM 300,000.00

21st to 50th

Samsung Home
Theatre System

RM 120,000.00

51st to 100th

Olympus Digital
Camera

RM 60,000.00

59

Thank You!

AIA confidential and proprietary information. Not for distribution.

60