ilp workshop aia
TRANSCRIPT
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AIA confidential and proprietary information. Not for distribution.
AIA.COM
ILP Workshop- March 2011
By Marketing Department
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AIA confidential and proprietary information. Not for distribution. 1
Agenda
Managing and mitigating your risk in ILPs
Dollar-Cost-Averaging Concept in ILPs
Needs base selling in ILPs
Bonus Units Campaign
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Are We Heading for Another Crisis?
Stock Market is vulnerable
Are we heading for another financial crisis?
Crisis =
= Danger & OpportunityBehind every crisis,
there is an opportunity awaiting us
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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 r isk no matter where we placeour money!
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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
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1. Dont panic. Stay invested if you are already in the market
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FBMKLCI
Movements
&
Events
0
200
400
600
800
1000
1200
1400
1600
1800
Jan97 Jan98 Jan99 Jan00 Jan01 Jan02 Jan03 Jan04 Jan05 Jan06 Jan07 Jan08 Jan09 Jan10 Jan11
Sep06:
1.GLCreforms
2.Announcementof9MPs
Jul05:BNM
removedRM
peg
Jan04:Birdflu
outbreak
Jan03:Commencement
ofRM10bValueCap
Mar08:Collapse
ofBear
Stearns
Mar08:12thMalaysia
General Elections
Sep/Oct08:Lehman
Brothersfiledfor
bankruptcyandAIG
bailedout
Mar10:PM
announcedETP
Mar97:Banknegara
imposedcontrolon
propertyandshare
purchases
Jul97:Bahtdevaluation
Jun10:PMunveiled
the10thMalaysia
Nov08:US
Quantitative
Easing
Sep01 Terrorist
bombingoftwin
towerin US
Sep98:Malaysia
imposedcapital control
Nov10:US
QE2
Apr09:DatoSeri Najib
becameMalaysia's
PrimeMinister
1270.67
302.91
1002.62
838.28
1516.22
1569.89
563.72
887.34
787.58
843.12
745.36
1391.57
Dont panic. Stay invested.
Source: Bloomberg
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2. Diversify your Portfolio
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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.
Investor B yields better return throughdiversification of assets.
Initial
Investment
(RM)
Annual
Return
%
Value after
20 yrs (RM)
Investment A 100,000 6 320,714
Total 320,714
Investor A
Initial
Investment
(RM)
Annual
Return
%
Value after
20 yrs (RM)
Investment B 20,000
Total
Loss 0
Investment C 20,000 3 36,122
Investment D 20,000 6 64,143
Investment E 20,000 9 112,088
Investment F 20,000 12 192,926
Total 405,279
Investor B
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3. Dollar Cost Averaging (DCA)
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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 whenprices fall, and get less units when prices rise
Offer Prices
(RM)
1 2,000 1.2 1,666
2 2,000 1 2,000
3 2,000 1.5 1,333
4 2,000 1.1 1,818
5 2,000 1.8 1,111
Total 10,000 7,928
Year AnnualPremium Paid UnitsPurchased
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 averageprice for the same period. DCA reduces the risk to time the market.
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0.00
0.50
1.00
1.50
2.00
2.50
3.00
0 1 2 3 4 5 6 7 8 9 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
Which investment would you prefer? A or B?
1,700 1,700 Fund A
unit price
@RM3
3,350
2,1002,350
5,000
7,150
10,000
1,7501,8001,900
2,700
7,150
10,00025,0002
0,000
14,300
14,300 20,000
Fund B
unit price@RM1
UnitPr
ice
DCA reduces the risk to time the market
DCA works well for funds with high volatility, for example: equityfunds or managed funds.
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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 furtherlosses if you were to invest directly into stocks and shares!
Stay invested and do nothing. Felt extremely sorry forthemselves and felt that this is the end of the world
Stay invested and invest further during crisis. Practisingdollar cost averaging method the right strategy for ILP.
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Investors reaction during crisis
Example of investing into a fundFund A from Unit Trust Co. P was launched during 93-97 bull run, April 25, 1994.
Fund Performance:
Fund A Monthly Unit Price Movement
(Apr 1994 - Sep 2008)
0.00
0.20
0.40
0.60
0.80
1.00
1.20
04/29/
1994
04/29/
1995
04/29/
1996
04/29/
1997
04/29/
1998
04/29/
1999
04/29/
2000
04/29/
2001
04/29/
2002
04/29/
2003
04/29/
2004
04/29/
2005
04/29/
2006
04/29/
2007
04/29/
2008
RM
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Investors reaction during crisis
Example of investing into a fund
Invest at the peak of market: March 31, 1997 @ RM0.727 per unit
Investment Amount: RM10,000
Units: RM10,000 / RM0.727
= 13,749.48 units
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Fund A Monthly Unit Price Movement
(Apr 1994 - Sep 2008)
0.7273@31/3/97
0.4959@30/9/97
0.00
0.20
0.40
0.60
0.80
1.00
1.20
04/29/1994
04/29/1995
04/29/1996
04/29/1997
04/29/1998
04/29/1999
04/29/2000
04/29/2001
04/29/2002
04/29/2003
04/29/2004
04/29/2005
04/29/2006
04/29/2007
04/29/2008
RM
Investors reaction during crisis
Fund value upon withdrawal = 13,749.48 units X RM0.4959 = RM6,818.37
Realised a loss of 32%
Example 1 Panic sell-off 6 months later
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Fund A Monthly Unit Price Movement
(Apr 1994 - Sep 2008)
0.7273@31/3/97
1.0717@31/12/07
0.00
0.20
0.40
0.60
0.80
1.00
1.20
04/29/1994
04/29/1995
04/29/1996
04/29/1997
04/29/1998
04/29/1999
04/29/2000
04/29/2001
04/29/2002
04/29/2003
04/29/2004
04/29/2005
04/29/2006
04/29/2007
04/29/2008
RM
Investors reaction during crisis
Waited for the next cycle to sell off.
Fund value withdrawn on 31/12/2007
= 13,749.48 units X RM1.0717 = RM14,735.31Realised a profit of 47.35%
Example 2 Stay Invested
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Fund A Monthly Unit Price Movement
(Apr 1994 - Sep 2008)
0.7273
1.0717
0.00
0.20
0.40
0.60
0.80
1.00
1.20
Apr-94
Apr-95
Apr-96
Apr-97
Apr-98
Apr-99
Apr-00
Apr-01
Apr-02
Apr-03
Apr-04
Apr-05
Apr-06
Apr-07
Apr-08
RM
Investors reaction during crisis
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 profi t of 103.6%
Example 3 Stay invested and Dollar Cost Averaging
13,749.48 units
209,007 units
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Conclusion
Dont panic, stay invested
Top Up your investment regularly
Your investment horizon should be medium to long term (5 10 years)
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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 Dec 20, 1999
2. AIA Equity Fund 100 0
3. AIA Fixed Income Fund 0 100
4. AIA Dana Progresif 80 - Islamic 20 - Islamic Mar 1, 2000
5. AIA Medium Cap Fund 95 5 Jul 16, 2001
6. AIA Aggressive Fund 95 5
7. AIA Dana Dinamik 95 - Is lamic 5 - Islamic
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What are the investment-linked funds available in AIA ?
Fund Target Asset Allocation Launch Date
Equities % Fixed IncomeSecurities %
8. AIA New Horizon Fund 50 Malaysia
50 Foreign
0 Aug 16, 2004
9. AIA Asia Platinum Fund 100 Foreign 0 Apr 27, 2006
10. AIA International Small
Cap Fund
100 Foreign 0 Dec 13, 2006
11. AIA Eleven Plus Fund 100 Foreign 0 Sept 17, 2007
12. AIA Dana Bon 0 100 July 22, 2008
13. AIA Asia Opportunity
Fund
100 - Foreign 0 March 30, 2009
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AIA Funds Performance vs. Fixed Deposit Interest Rate
Comparison based on a 1-year Annualized Return as at Dec 31, 2010
2.81%
13.94%
16.16%
8.87%
6.40%7.38%
0.83%
7.94%
1.14%
4.36%
10.11%
21.46%
28.99%28.14%
0%
5%
10%
15%
20%
25%
30%
35%
Fixed
Deposit
AIA
Manag
edFun
d
AIA
Equity
Fund
AIA
Dan
aP
rogresif
AIA
Fixed
IncomeFu
nd
AIA
New
Hori
zonFu
nd
AIA
AsiaPlatin
umFund
AIA
InternationalS
mallCap
Fund
AIA
ElevenP
lusFu
nd
AIAD
anaBon
AIA
AsiaOpportu
nity
Fun
d
AIA
Dana
Dinamik
AIA
Aggress
iveFu
nd
AIA
MediumC
apFun
d
Source: AIA & BNM
Lumpsum Basis
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AIA Funds Performance vs. Fixed Deposit Interest Rate
Comparison based on a 5-year Annualized Return as at Dec 31, 2010
3.30%
9.99%
10.88% 11.12%
5.28%
8.50%
15.91%
16.80%16.49%
0%
2%
4%
6%
8%
10%
12%
14%
16%
18%
FixedDeposit
AIA
Manag
edFund
AIA
Equity
Fund
AIA
DanaProgresif
AIA
Fixed
IncomeFu
nd
AIA
New
Horizon
Fund
AIA
DanaDinamik
A
IAAggressiveFu
nd
AIA
Medium
Cap
Fund
Source: AIA & BNM
Lumpsum Basis
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AIA Funds Performance Dollar-Cost-Averaging
Equity Fund
AIA Equity Fund
Dec 2005 - Dec 2010
1.006
1.646
0.4
0.6
0.8
1
1.2
1.4
1.6
1.8
2
Jan-0
Mar-06
May-06
Jul-06
Sep-06
Nov-0
Jan-0
Mar-07
May-07
Jul-07
Sep-07
Nov-0
Jan-0
Mar-08
May-08
Jul-08
Sep-08
Nov-0
Jan-09
Mar-09
May-09
Jul-09
Sep-09
Nov-09
Jan-10
Mar-10
May-10
Jul-10
Sep-10
Nov-10
Unit Price (RM)
Source: AIA
AIA Equity Fund
Since Inception: Dec 1999 - Dec 2010
1.081
1.606
0.4
0.6
0.8
1
1.2
1.4
1.6
1.8
2
Dec-9
Apr-00
Aug-0
Dec-0
Apr-01
Aug-01
Dec-01
Apr-02
Aug-0
Dec-0
Apr-0
Aug-0
Dec-0
Apr-04
Aug-0
Dec-0
Apr-0
Aug-0
Dec-0
Apr-06
Aug-0
Dec-0
Apr-0
Aug-0
Dec-0
Apr-0
Aug-0
Dec-0
Apr-09
Aug-0
Dec-0
Apr-10
Aug-1
Dec-1
Unit Pri ce (RM)
Mode Period Payments Capital Outlay Value @ Dec 2010 Return/Yield
(years) (times) (RM) (RM) p.a.
Monthly Dec 99 ~ Dec 10 11.09 133 13,300 21,665.59 8.48%
Payment Investment Duration No. of Total Total Investment Investment
Mode Period Payments Capital Outlay Value @ Dec 2010 Return/Yield
(years) (times) (RM) (RM) p.a.
Monthly Jan 06 ~ Dec 10 5.00 60 6,000 7,426.86 7.67%
5 years
Since
Launch
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AIA Funds Performance Dollar-Cost-Averaging
Managed Fund
Source: AIA
5 years
Since
Launch
AIA Manage d Fund
Dec 2005 - Dec 2010
1.049
1.692
0.4
0.6
0.8
11.2
1.4
1.61.8
2
Dec-05
Feb-06
Apr-06
Jun-06
Aug-06
Oct-06
Dec-06
Feb-07
Apr-07
Jun-07
Aug-07
Oct-07
Dec-07
Feb-08
Apr-08
Jun-08
Aug-08
Oct-08
Dec-08
Feb-09
Apr-09
Jun-09
Aug-09
Oct-09
Dec-09
Feb-10
Apr-10
Jun-10
Aug-10
Oct-10
Dec-10
Unit Price (RM)
Payment Investment Duration No. of Total Total Investment Investment
Mode Period Payments Capital Outlay Value @ Dec 2010 Return/Yield
(years) (times) (RM) (RM) p.a.
Monthly Jan 06 ~ Dec 10 5.00 60 6,000 7,391.74 7.49%
AIA Managed Fund
Since Incept ion: Dec 1999 - Dec 2010
1
1.692
0.4
0.6
0.8
1
1.2
1.4
1.6
1.8
2
Dec-99
Apr-00
Aug-00
Dec-00
Apr-01
Aug-01
Dec-01
Apr-02
Aug-02
Dec-02
Apr-03
Aug-03
Dec-03
Apr-0
4
Aug-04
Dec-04
Apr-05
Aug-05
Dec-05
Apr-06
Aug-06
Dec-06
Apr-07
Aug-07
Dec-07
Apr-08
Aug-08
Dec-08
Apr-09
Aug-09
Dec-09
Apr-10
Aug-10
Dec-10
Unit Pri ce (RM)
Payment Investment Duration No. of Total Total Investment Investment
Mode Period Payments Capital Outlay Value @ Dec 2010 Return/Yield
(years) (times) (RM) (RM) p.a.
Monthly Dec 99 ~ Dec 10 11.09 133 13,300 21,013.39 7.96%
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AIA Funds Performance Dollar-Cost-Averaging
Dana Progressive Fund
Source: AIA
5 years
Since
Launch
AIA Dana ProgresifDec 2005 - Dec 2010
1.735
1.043
0.4
0.6
0.8
1
1.2
1.4
1.6
1.8
2
Dec-05
Feb-06
Apr-06
Jun-06
Aug-06
Oct-06
Dec-06
Feb-07
Apr-07
Jun-07
Aug-07
Oct-07
Dec-07
Feb-08
Apr-08
Jun-08
Aug-08
Oct-08
Dec-08
Feb-09
Apr-09
Jun-09
Aug-09
Oct-09
Dec-09
Feb-10
Apr-10
Jun-10
Aug-10
Oct-10
Dec-10
Unit Price (RM)
Payment Investment Duration No. of Total Total Investment Investment
Mode Period Payment Capital Outlay Value @ Dec 2010 Return/Yield
(years) (times) (RM) (RM) p.a.
Monthly Jan 06 ~ Dec 10 5.00 60 6,000 7,288.88 6.94%
AIA Dana Progresif
Since Incept ion: Feb 2000 - Dec 2010
1 1.131
1.767
0.4
0.6
0.8
1
1.2
1.4
1.6
1.8
2
Feb-00
Jun-00
Oct-00
Feb-01
Jun-01
Oct-0
1
Feb-02
Jun-02
Oct-02
Feb-03
Jun-03
Oct-03
Feb-04
Jun-04
Oct-0
4
Feb-05
Jun-05
Oct-05
Feb-06
Jun-06
Oct-06
Feb-07
Jun-07
Oct-07
Feb-08
Jun-08
Oct-08
Feb-09
Jun-09
Oct-09
Feb-
10
Jun-10
Oct-10
Unit Pri ce (RM)
Payment Investment Duration No. of Total Total Investment Investment
Mode Period Payment Capital Outlay Value @ Dec 2010 Return/Yield
(years) (times) (RM) (RM) p.a.
Monthly Feb 00 ~ Dec 10 10.93 131 13,100 21,356.63 8.62%
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AIA Funds Performance Dollar-Cost-Averaging
Fixed Income Fund
AIA Fix ed Incom e Fu nd
Dec 2005 - Dec 2010
1.465
1.895
0.8
1
1.2
1.4
1.61.8
2
2.2
2.4
Dec
-05
Feb
-06
Apr
-06
Jun
-06
Au
g-06
Oct-06
Dec
-06
Feb
-07
Apr
-07
Jun
-07
Au
g-07
Oct-07
Dec
-07
Feb
-08
Apr
-08
Jun
-08
Au
g-08
Oct-08
Dec
-08
Feb
-09
Apr
-09
Jun
-09
Au
g-09
Oct-
09
Dec
-09
Feb
-10
Apr
-10
Jun
-10
Au
g-10
Oct-10
Dec
-10
Unit Price (RM)
Source: AIA
AIA Fixed Income Fund
Since Inception: Feb 2000 - Dec 2010
1
1.386
1.891
0.8
1
1.2
1.4
1.6
1.8
2
2.2
2.4
Feb-00Jun-00
Oct-00Feb-01Jun-01
Oct-01Feb-02Jun-02
Oct-02Feb-03Jun-03
Oct-03Feb-04Jun-04
Oct-04Feb-05Jun-05
Oct-05Feb-06Jun-06
Oct-06Feb-07Jun-07
Oct-07Feb-08Jun-08
Oct-08Feb-09Jun-09
Oct-09Feb-10Jun-10
Oct-10
Unit Price (RM)
Payment Investment Duration No. of Total Total Investment Investment
Mode Period Payments Capital Outlay Value @ Dec 2010 Return/Yield
(years) (times) (RM) (RM) p.a.
Monthly Jan 06 ~ Dec 10 5.00 60 6,000 6,873.26 4.64%
Payment Investment Duration No. of Total Total Investment Investment
Mode Period Payments Capital Outlay Value @ Dec 2010 Return/Yield
(years) (times) (RM) (RM) p.a.
Monthly Feb 00 ~ Dec 10 10.93 131 13,100 17,874.99 5.54%
5 years
Since
Launch
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AIA Funds Performance Dollar-Cost-Averaging
Aggressive Fund
Source: AIA
AIA Aggressive FundDec 2005 - Dec 2010
1.324
2.878
0.400
0.800
1.200
1.600
2.000
2.400
2.800
3.200
Dec-05
Feb-06
Apr-06
Jun-06
Aug-06
Oct-06
Dec-06
Feb-07
Apr-07
Jun-07
Aug-07
Oct-07
Dec-07
Feb-08
Apr-08
Jun-08
Aug-08
Oct-08
Dec-08
Feb-09
Apr-09
Jun-09
Aug-09
Oct-09
Dec-09
Feb-10
Apr-10
Jun-10
Aug-10
Oct-10
Dec-10
Unit Price (RM)
Payment Investment Duration No. of Total Total Investment Investment
Mode Period Payments Capital Outlay Value @ Dec 2010 Return/Yield
(years) (times) (RM) (RM) p.a.
Monthly Jan 06 ~ Dec 10 5.00 60 6,000 9,143.24 14.02%
AIA Aggressive Fund
Since Inception: Jul 2001 - Dec 2010
1.41
2.878
0.4
0.8
1.2
1.6
2
2.4
2.8
3.2
Jul-0
1
Nov-01
Mar-02
Jul-02
Nov-02
Mar-03
Jul-03
Nov-03
Mar-04
Jul-0
4
Nov-04
Mar-05
Jul-05
Nov-05
Mar-06
Jul-06
Nov-06
Mar-07
Jul-07
Nov-07
Mar-08
Jul-08
Nov-08
Mar-09
Jul-09
Nov-09
Mar-10
Jul-10
Nov-10
Unit Price (RM)
Payment Investment Duration No. of Total Total Investment Investment
Mode Period Payments Capital Outlay Value @ Dec 2010 Return/Yield
(years) (times) (RM) (RM) p.a.
Monthly Jul 01 ~ Dec 10 9.47 115 11,500 22,497.03 13.47%
5 years
Since
Launch
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AIA Funds Performance Dollar-Cost-Averaging
Dana Dinamik
Source: AIA
5 years
Since
Launch
AIA Dana Dinamik
Dec 2005 - Dec 2010
1.155
2.417
0.400
0.800
1.200
1.600
2.000
2.400
2.800
Dec-05
Feb-06
Apr-06
Jun-06
Aug-06
Oct-06
Dec-06
Feb-07
Apr-07
Jun-07
Aug-07
Oct-07
Dec-07
Feb-08
Apr-08
Jun-08
Aug-08
Oct-08
Dec-08
Feb-09
Apr-09
Jun-09
Aug-09
Oct-09
Dec-09
Feb-10
Apr-10
Jun-10
Aug-10
Oct-10
Dec-10
Unit Pri ce (RM)
Payment Investment Duration No. of Total Total Investment Investment
Mode Period Payments Capital Outlay Value @ Dec 2010 Return/Yield
(years) (times) (RM) (RM) p.a.
Monthly Jan 06 ~ Dec 10 5.00 60 6,000 8,721.09 14.02%
AIA Dana DinamikSince Incept ion: Jul 2001 - Dec 2010
11.224
2.417
0.4
0.8
1.2
1.6
2
2.4
2.8
Jul-01
Nov-01
Mar-02
Jul-02
Nov-02
Mar-03
Jul-03
Nov-03
Mar-04
Jul-04
Nov-04
Mar-05
Jul-05
Nov-05
Mar-06
Jul-06
Nov-06
Mar-07
Jul-07
Nov-07
Mar-08
Jul-08
Nov-08
Mar-09
Jul-09
Nov-09
Mar-10
Jul-10
Nov-10
Unit Price (RM)
Payment Investment Duration No. of Total Total Investment Investment
Mode Period Payments Capital Outlay Value @ Dec 2010 Return/Yield
(years) (times) (RM) (RM) p.a.
Monthly Jul 01 ~ Dec 10 9.47 115 11,500 21,020.45 12.13%
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AIA confidential and proprietary information. Not for distribution. 31
AIA Funds Performance Dollar-Cost-Averaging
New Horizon Fund
Source: AIA
AIA New Horizon Fund
Dec 2005 - Dec 2010
1.016
1.528
0.4
0.6
0.8
1
1.2
1.4
1.6
1.8
2
Dec-05
Feb-06
Apr-06
Jun-06
Aug-06
Oct-06
Dec-06
Feb-07
Apr-07
Jun-07
Aug-07
Oct-07
Dec-07
Feb-08
Apr-08
Jun-08
Aug-08
Oct-08
Dec-08
Feb-09
Apr-09
Jun-09
Aug-09
Oct-09
Dec-09
Feb-10
Apr-10
Jun-10
Aug-10
Oct-10
Dec-10
Unit Price (RM)
Payment Investment Duration No. of Total Total Investment Investment
Mode Period Payments Capital Outlay Value @ Dec 2010 Return/Yield
(years) (times) (RM) (RM) p.a.
Monthly Jan 06 ~ Dec 10 5.00 60 6,000 7,063.28 5.70%
AIA New Horizon Fund
Since Incept ion : Aug 2004 - Dec 2010
1
1.331
1.528
0.4
0.6
0.8
1
1.2
1.4
1.6
1.8
2
Aug-04
Nov-0
4
Feb-05
May-05
Aug-05
Nov-0
5
Feb-06
May-06
Aug-06
Nov-0
6
Feb-07
May-07
Aug-07
Nov-0
7
Feb-08
May-08
Aug-08
Nov-0
8
Feb-09
May-09
Aug-09
Nov-0
9
Feb-
10
May-10
Aug-10
Nov-1
0
Unit Pri ce (RM)
Payment Investment Duration No. of Total Total Investment Investment
Mode Period Payments Capital Outlay Value @ Dec 2010 Return/Yield
(years) (times) (RM) (RM) p.a.
Monthly Aug 04 ~ Dec 10 6.42 77 7,700 9,571.55 6.69%
5 years
Since
Launch
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AIA confidential and proprietary information. Not for distribution. 32
AIA Funds Performance Dollar-Cost-Averaging
Asia Platinum Fund
AIA Asia Platinum Fund
Since Inception: April 2006 - Dec 2010
0.5 0.607
0.1
0.3
0.5
0.7
0.9
1.1
1.3
Apr-06
Jun-06
A
ug-06
Oct-06
D
ec-06
F
eb-07
Apr-07
Jun-07
A
ug-07
Oct-07
D
ec-07
F
eb-08
Apr-08
Jun-08
A
ug-08
Oct-08
D
ec-08
F
eb-09
Apr-09
Jun-09
A
ug-09
Oct-09
D
ec-09
F
eb-10
Apr-10
Jun-10
A
ug-10
Oct-10
D
ec-10
Unit Price (RM)
Source: AIA
Payment Investment Duration No. of Total Total Investment Investment
Mode Period Payments Capital Outlay Value @ Dec 2010 Return/Yield
(years) (times) (RM) (RM) p.a.
Monthly April 06 ~ Dec 10 4.76 57 5,700 6,332.31 4.37%
Since
Launch
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AIA confidential and proprietary information. Not for distribution. 33
AIA Funds Performance Dollar-Cost-Averaging
International Small Cap Fund
Source: AIA
AIA Internat ional Small Cap FundSince Inception: Dec 2006 - Dec 2010
0.50.435
0.1
0.3
0.5
0.7
Dec-06
Feb-
07
Apr-07
Jun-07
Aug-07
Oct-07
Dec-07
Feb-
08
Apr-0
8
Jun-08
Aug-08
Oct-08
Dec-08
Feb-
09
Apr-0
9
Jun-09
Aug-09
Oct-09
Dec-09
Feb-
10
Apr-1
0
Jun-10
Aug-10
Oct-10
Dec-10
Unit Price (RM)
Payment Investment Duration No. of Total Total Investment Investment
Mode Period Payments Capital Outlay Value @ Dec 2010 Return/Yield
(years) (times) (RM) (RM) p.a.
Monthly Dec 06 ~ Dec 10 4.09 49 4,900 5,334.64 4.11%
Since
Launch
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AIA confidential and proprietary information. Not for distribution. 34
AIA Funds Performance Dollar-Cost-Averaging
Eleven Plus Fund
Source: AIA
Since
Launch
AIA Eleven Plus FundSince Inception: Sep 2007 - Dec 2010
0.50.534
0.2
0.4
0.6
0.8
1
Sep-07
Nov-07
Jan-08
Mar
-08
May
-08
Jul-0
8
Sep-08
Nov-0
8
Jan-09
Mar
-09
May
-09
Jul-0
9
Sep-09
Nov-0
9
Jan-10
Mar
-10
May
-10
Jul-1
0
Sep-10
Nov-1
0
Unit Pri ce (RM)
Payment Investment Duration No. of Total Total Investment Investment
Mode Period Payments Capital Outlay Value @ Dec 2010 Return/Yield(years) (times) (RM) (RM) p.a.
Monthly Sep 07 ~ Dec 10 3.34 40 4,000 4,606.98 8.43%
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AIA confidential and proprietary information. Not for distribution. 35
AIA Funds Performance Dollar-Cost-Averaging
Dana Bon
Source: AIA
Since
Launch
AIA Dana BonSince Incept ion: Jun 2008 - Dec 2010
0.5 0.551
0.1
0.3
0.5
0.7
0.9
Jun-08
Aug-08
Oct-0
8
Dec-0
8
Feb-
09
Apr-0
9
Jun-09
Aug-09
Oct-0
9
Dec-0
9
Feb-
10
Apr-1
0
Jun-10
Aug-10
Oct-1
0
Dec-1
0
Unit Price (RM)
Payment Investment Duration No. of Total Total Investment Investment
Mode Period Payments Capital Outlay Value @ Dec 2010 Return/Yield
(years) (times) (RM) (RM) p.a.
Monthly Jun 08 ~ Dec 10 2.59 31 3,100 3,262.17 3.87%
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AIA confidential and proprietary information. Not for distribution. 36
AIA Funds Performance Dollar-Cost-Averaging
Asia Opportunity Fund
Source: AIA
Since
Launch
Asia Opportunity FundSince Inception: April 2009 - Dec 2010
0.5
0.61
0.2
0.4
0.6
0.8
Apr-0
9
Jun-09
Aug-09
Oct-0
9
Dec-0
9
Feb-
10
Apr-1
0
Jun-10
Aug-10
Oct-1
0
Dec-1
0
Unit Price (RM)
Payment Investment Duration No. of Total Total Investment InvestmentMode Period Payments Capital Outlay Value @ Dec 2010 Return/Yield
(years) (times) (RM) (RM) p.a.
Monthly Apr 09 ~ Dec 10 1.76 21 2,100 2,386.18 14.66%
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AIA confidential and proprietary information. Not for distribution. 3838
Packaged Plans for Single Need
AMAFor customers who look for
comprehensive medical protection.
AHAFor customers who seek for
protection against critical illnesses.
AFAFor lady customers who seek for
protection against female illnesses
and maternity protection.
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Solutions to Your Medical Needs
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AIA confidential and proprietary information. Not for distribution. 4040
Of course, you are confident to say:
I am young, strong and healthy.
I dont see a need for medical & healthinsurance plan.
You will start to worry the followings:
Do I have sufficient fund for medical fees?
Will I become the burden of my family?
Malaysian Life Expectancy at bir thWhen you are young and healthy
But what if you are old and sick or unhealthy
at young age?
Medical cost is escalating!
Source: The Star newspaper, 14 March 2009
Source: Department of Statistics, Malaysia
People are living a longer life but we cannot avoid ourselves from being sick one day in future.
Solutions to Your Medical Needs
Life /TPD Protection toAge 100
Medical Coverageto Age 100
Potential InvestmentReturn
Level Premium
AIA Medical Account (AAA + ECP+MCP) A comprehensive 4-in-1 medical plan covers you up to age 100.
0
3,000
6,000
9,000
12,000
15,000
0 10 20 30 40 50 60 70 80 90
Age
Premium
(RM)
AMA
1 2 3 4
Across the wor ld, the increases in doctors bi lls are
outpacing the general inflation rate each year.
Global medical inflation averages about 10% each
year.
In Malaysia, medical inflation is estimated to bearound 15% each year.
76.4
71.6
2008e
76.3
71.5
2007
76.3
71.5
20062005
Average Life ExpectancyGender
76.2Female
71.4Male
76.4
71.6
2008e
76.3
71.5
2007
76.3
71.5
20062005
Average Life ExpectancyGender
76.2Female
71.4Male
AIA Medical Account (AMA)
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AIA confidential and proprietary information. Not for distribution. 4141
The ONLY Medical Plan that covers you up to age 100 with NO LIFETIME LIMIT!!!
AIA Medical Account (AMA)
For more details, please call our Financial Planner at ___________________________
Notes:
1. 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.
2. 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.
3. The values shown in the table above are extracted from sales illustration Version ILS 1.52
4. Monthly premium consists of RM200 Regular Premium and RM100 Scheduled Top Up Premium.
From
RM300/m
onth
MALE FEMALE
AgeMonthly
Premium
BenefitsAccount Value at
age 80
Monthly
Premium
BenefitsAccount Value at
age 80Death/ TPD R&B Death/ TPD R&B
0 300 80,000
150
1,617,300 300 80,000
150
1,622,100
5 300 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 40,000 444,700
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
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AIA confidential and proprietary information. Not for distribution. 4242
Packaged Plans for Single Need
AHAFor customers who seek for
protection against critical illnesses.
PROTECTION AGAINST CRITICAL ILLNESSES
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AIA confidential and proprietary information. Not for distribution. 4343
PROTECTION AGAINST CRITICAL ILLNESSES
1. Cardiovascular disease (stroke, heartattack, etc) is the leading cause of deathin the world
2. Population ageing is contributing to the
rise in cancer and heart disease
3. Lung cancer is the most common causeof death from cancer in the world
Source: WHO http://www.who.int/features/factfiles/global_burden/en/
Covers 36
Critical Illnesses
No surviving period
required
Coverage up to age 100
AHA covers you comprehensive criticalillnesses coverage as follows:
Major causes which escalate the incidents of cri tical illnesses:
1. Work pressure 2. Unbalanced diet 3. Unhealthy lifestyle 4. Lack of exercise 5. Environment
Pollution
The expensive medical expenses are a
burden to a lot of people.
Crit ical Illness is becoming a very serious
health concern.
AIA Health Account (AHA)
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AIA confidential and proprietary information. Not for distribution. 4444
AIA Health Account (AHA)
For more details, please call our Financial Planner at ___________________________
From
RM300/m
onth
Life /TPD Protection to
Age 100
Critical Illness
CoveragePotential Investment
Return
AIA Health Account (AAA + CLR + WPUL)
1 2 4Waiver of Premium3
250110,0003,000100,000100,000250112,5003,000100,000100,000403,600
2,400
1,800
1,800
1,800
Waiver of
Premium
3,600
2,400
1,800
1,800
1,800
Waiver of
Premium
300
200
150
150
300
200
150
150
150
Monthly
Premium
40,000
176,500
201,200
425,300
743,800
Account
Value @
age 80
100,000
100,000
100,000
100,000
100,000
Critical
100,000
100,000
100,000
100,000
100,000
Death /
TPD
Benefits
Male
50,100100,000100,00045
160,700100,000100,00035
176,200100,000100,00030
395,200100,000100,00025
150708,600100,000100,00020
CriticalDeath /
TPD
Monthly
Premium
Account
Value @
age 80
Benefits
Female
Age
30093,8003,600100,000100,00030090,6003,600100,000100,000403,600
3,600
3,600
3,600
3,600
Waiver of
Premium
3,600
3,600
3,600
3,600
3,600
Waiver of
Premium
300
300
300
300
300
300
300
300
300
Monthly
Premium
11,700
189,700
310,600
457,600
637,100
Account
Value @
age 80
100,000
100,000
100,000
100,000
100,000
Critical
100,000
100,000
100,000
100,000
100,000
Death /
TPD
Benefits
Male
19,400100,000100,00045
188,900100,000100,00035
308,400100,000100,00030
454,700100,000100,00025
300633,700100,000100,00020
CriticalDeath /
TPD
Monthly
Premium
Account
Value @
age 80
Benefits
Female
Age
Notes:
1. 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.
2. 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.
3. The values shown in the table above are extracted from sales illustration Version ILS 1.52
4. Monthly premium consists of RM200 Regular Premium and RM100 Scheduled Top Up Premium
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AIA confidential and proprietary information. Not for distribution. 4545
Packaged Plans for Single Need
AFAFor lady customers who seek for
protection against female illnesses
and maternity protection.
AFA LADIES BEST COMPANION
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AIA confidential and proprietary information. Not for distribution. 4646
AFA LADIES BEST COMPANION
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 blessed with multiple roles in life.
Ladies are at the higher risk to various dreaded illnesses due to hectic lifestyles.
Daughter
Wife/
Companion
Lady
Executive
Mother
1. Breast Cancer is the most commoncancer in female age range from 40-60in Malaysia.
Source : National Cancer Registry, Ministry of Health
Malaysia
2. Cervix Uteri and Ovary Cancer are thetop 4 female cancer affect femalesafter 40 years old.
Source : National Cancer Registry, Ministry of Health
Malaysia
3. Rheumatoid arthri tis affects about 5 in1,000 people in Malaysia.
Source :
http://www.afm.org.my/info/rheumatoid_arthritis.php,
Arthritis Foundation of Malaysia (2009)
4. Women past their menopause face 2times higher risk than male inOsteoporotic fracture.
Malaysian Chinese were the highest(63%), followed by Malays (20%) andIndian (13%).
Source : International Osteoporosis Foundation (IOF)
Report, & http://www.mysinchew.com/node/30013
AFA provides the best and comprehensivefemale protection inclusive of:
AIA Female Account (AFA)
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AIA confidential and proprietary information. Not for distribution. 4747
AIA Female Account (AFA)
For more details, please call our Financial Planner at ___________________________
Life /TPD Protection toAge 100
Special LadyCoverage
Potential InvestmentReturn
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.
1 2 3
From
RM300/m
onth
250176,900100,000100,00020061,400100,000100,00035
300253,000100,000100,000300290,900100,000100,00030
300
250
300
Monthly
Premium
100,000
100,000
100,000
Lady/ Maternity
Benefit
400
300
150
300
Monthly
Premium
100,000
100,000
100,000
100,000
Lady
Benefit
650,700100,000186,900100,00025
529,700100,000595,800100,00020
195,200
90,700
Account Value
@ age 80
100,000
100,000
Death/
TPD
AAA + A Lady AAA + A El ite Lady
84,400
Account Value
@ age 80
100,00040
45
Death/
TPD
Age
300160,800100,000100,000300179,700100,000100,00035
100,000100,000100,000100,00030
300
Monthly
Premium
100,000
100,000
100,000
Lady/ Maternity
Benefit
300
300
300
Monthly
Premium
100,000
100,000
100,000
100,000
Lady
Benefit
366,800100,000425,300100,00025
100,000100,00020
28,900
Account Value
@ age 80
100,000
100,000
Death/
TPD
AAA + A Lady AAA + A El ite Lady
Account Value
@ age 80
100,00040
45
Death/
TPD
Age
Notes:
1. 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.
2. 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.
3. The values shown in the table above are extracted from sales illustration Version ILS 1.52
4. Monthly premium consists of RM200 Regular Premium and RM100 Scheduled Top Up Premium
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AIA confidential and proprietary information. Not for distribution. 4848
Packaged Plan for Multi Needs
2 packages:
All-in-one Plan for males
All-in-one Plan for females
Comprehensive coverage for allunexpected events.
AIA
One Solution
AIA One Solution Male
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AIA confidential and proprietary information. Not for distribution. 4949
AIA One Solution Male
Life /TPD Protectionto Age 100
Comprehensive
Critical IllnessCoverage
Potential Investment
Return
AIA One Solution (AAA + ECP + MCP + CLR + MCLR + WPUL +EPA)
An all in one shield plan that protects you when unexpected incidents strike.
1 3
6Medical
Coverage to Age
100
2 Waiver of Premium4
Accidental
Coverage5
AIA One Solution Male
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AIA confidential and proprietary information. Not for distribution. 5050For more details, please call our Financial Planner at ___________________________
AIA One Solution protects you from all unexpected events.
Age
Benefits Account
Value @ age
80
Monthly
PremiumDeath /
TPD
Medical
(R&B)
Enhance
d PA
CLR MCLRWaiver of
Premium20
100,000 150 100,000 50,000 50,000 7,200
1,149,000
600
25 817,500
30 544,600
35 319,000
40 136,800
Notes:
1. 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.2. 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.
3. The values shown in the table above are extracted from sales illustration Version ILS 1.52
4. Monthly premium consists of RM300 Regular Premium and RM300 Scheduled Top Up Premium.
AIA One Solution Female
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AIA confidential and proprietary information. Not for distribution. 5151
Life /TPD Protection
to Age 100
Comprehensive
Critical IllnessCoverage
Potential Investment
Return
AIA One Solution (AAA + ECP + MCP + CLR + MCLR + WPUL + A Elite Lady)
A comprehensive shield plan that protects you against unexpected events & illnesses.
1 3
6Medical
Coverage to Age
100
2 Waiver of Premium
Critical illnesses4
Special Lady
Coverage
5
AIA One Solution Female
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AIA confidential and proprietary information. Not for distribution. 5252For more details, please call our Financial Planner at ___________________________
AIA One Solution protects you from all unexpected events and female
related illnesses.
Age
BenefitsAccount Value
@ age 80
Monthly
Premium
Death /
TPD
Medical
(R&B)
Critical
Illness
Waiver of
Premium
A Lady
Coverage
20
100,000 150 100,000 7,200 100,000
1,012,700
600
25 679,200
30 409,600
35 188,100
40 16,700
Notes:
1. 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.2. 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.
3. The values shown in the table above are extracted from sales illustration Version ILS 1.52
4. Monthly premium consists of RM300 Regular Premium and RM300 Scheduled Top Up Premium.
AIA One Solution Female
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AIA confidential and proprietary information. Not for distribution. 5353For more details, please call our Financial Planner at ___________________________
AIA One Solution protects you from all unexpected events inclusive of
female related i llnesses and maternity protection.
Age
BenefitsAccount Value
@ age 80
Monthly
PremiumDeath /TPD
Medical(R&B)
CriticalIllness
Waiver ofPremium
A El ite LadyCoverage
20
100,000 150 100,000 7,200 100,000
946,600
600
25 620,700
30 371,700
35 169,200
40 10,400
Notes:
1. 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.2. 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.
3. The values shown in the table above are extracted from sales illustration Version ILS 1.52
4. Monthly premium consists of RM300 Regular Premium and RM300Scheduled Top Up Premium.
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AIA confidential and proprietary information. Not for distribution. 55
Bonus Units Campaign
Terms and Conditions:
1. Bonus Units for Adhoc Top-up Premium from RM20,000 and above.
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.
Adhoc Top Up
Premium
Bonus Units Plans Applicable
RM20,000 RM39,999 0.5% on Adhoc Top Up
Premium
Single Premium and
Regular Premium Cases
(New or Existing Policies)RM40,000 and above 1.0% on Adhoc Top Up
Premium
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AIA confidential and proprietary information. Not for distribution. 56
Bonus Units Entitlement
1. Example on new purchase of Excellink Plus (EL Plus):
Encik Ahmad invests RM60,000 in EL Plus on 16th March, 2011.
*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.
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-upPremium.
Bonus amount (on Top-up Premium) = RM40,000 x 1% = RM400
Bonus Units Enti tlement = RM(400 / 0.601) = 666 units
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*
New Policy
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AIA confidential and proprietary information. Not for distribution. 58
Bonus Units Entitlement
3. Example on existing policy with Adhoc Top-up Premium of AIA CapitalBuilder Plus (ACB Plus):
Mr. Chong makes anAdhoc Top-up premium of RM30,000 in hisexisting ACB Plus policy.
* 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 Enti tlement = RM(150 / 0.601) = 250 units
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*
Exist ing Policy
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AIA confidential and proprietary information. Not for distribution. 59
Bonus Units Campaign14 March 30 Apri l, 2011
100 prizes to be won
Applicable for Ad Hoc Top Uppremium only
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 50thSamsung Home
Theatre System RM 120,000.00
51st to 100thOlympus Digital
Camera RM 60,000.00
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Thank You!