sunday Star, 8 november 2015

special

Money & YOU

FA_151103_Star_32cmx8col(26.1cm).pdf

CM

MY

CY

CMY

11/3/15

10:52 AM

SUNDAY STAR, 8 NOVEMBER 2015

2 money & you

Higher value
for your money

Investing
smartly,
flexibly

MAYBANK Islamic Berhads

General Investment Account-i
Campaign offers a step-up rate of
4% per annum from the first to
sixth month, 4.5% per annum
from the seventh to 10th month
and 6% per annum for the 11th
and 12th month.
Although the GIA-i, a wellestablished product of Maybank
Islamic Berhad (MIB)s, is not
covered by Perbadanan Insurans
Deposit Malaysia, it is structured
to preserve your capital and
invested in MIBs assets, where
MIB has been accorded with the
highest rating of AAA by Malaysia
Rating Corporation Berhad and
Rating Agency Malaysia for five
consecutive years.
Value-added features for MIBs
GIA-i Campaign are the following:
l One of the highest indicative
effective returns in town of 4.5%
per annum for 12 months
placement
l Dividends are calculated on a

GIVEN the current global

financial uncertainty and
volatility of financial markets,
consumers are encouraged to
be proactive in making the
most of their money.
Although equities, properties,
unit trusts, bonds and other
investment options have been
around for quite a while,
Maybank Islamic Berhad (MIB)
has taken a step forward with
its General Investment
Account-i (GIA-i).
The GIA-i caters to current
consumers needs and
expectations.

Better returns

Months

The GIA-i is a low-risk

investment account that has
similar characteristics to a
traditional current or savings
account in terms of flexibility.
However, the GIA-i yields
better indicative returns than a
traditional fixed deposit.
The dividends are paid
monthly, providing customers
with two choices.
Customers can either access
the dividend income to combat
rising living expenses or
capitalise on the dividends to
generate even higher returns.
It is designed to preserve its
capital and the returns are
stable.

Easy and flexible

Unlike other investment
products, there are no strings
attached with GIA-i.
This means that its features
do not have any fees that
customers need to worry about
while they have their finances
managed efficiently.
In addition, the GIA-i
provides customers with the
flexibility to withdraw.
They can do so without any
penalty, whenever the need
arises.
In comparison, traditional
fixed deposits penalise early
withdrawal by reducing the
dividend by half or not paying
at all.
Other forms of investment
such as equities, properties,
unit trust and bonds are
typically not as liquid as they
depend on market demand and
incur brokerage fees, among
others.

Choosing
Mudharabah
Mudharabah is a contract
between the capital provider

Indicative
effective
rate*

daily basis and paid monthly

l No penalty on early
withdrawal
l No upfront agency fees,
administrative fees or any
subsequent fee (for example,
switching and withdrawal fees)
Consider the following
example:
Adam has invested RM100,000
into a GIA-i on Oct 15.
He plans to keep his money in
the account for the next 12 mont
hs.
After 12 months, Adam is
entitled to enjoy 4.5% returns
from his capital (refer to table
below).
It is open to individual and
SME/BB customers with initial
placement of RM10,000 and
RM25,000 respectively.
You may visit any Maybank or
Maybank Islamic branch to make
your placement on this campaign
until Nov 30.

Indicative
campaign
rate

Indicative
dividend to be
paid (RM)

1st month

4.00%

334

2nd month

4.00%

334

3rd month

4.00%

4th month

4.00%

334

5th month

4.00%

334

6th month

4.00%

334

7th month

4.07%

376

8th month

4.13%

9th month

4.17%

10th month

4.20%

11th month

4.36%

12th month

4.50%

4.00%

4.50%

334

376
376
376

6.00%

Total

500
500
4500

* Based on RM100,000 initial placement.

** Indicative profit sharing ratio (PSR) at 50% or more.

(customer) and an entrepreneur

(bank).
Under this contract, the
customer provides capital to be
invested in a Mudharabah
venture that is managed by the
bank.
Under the Mudharabah
structure, capital is not
protected.
Instead, any profit generated
from the venture will be shared
between the customer and the
bank according to a previously
and mutually agreed profitsharing ratio.

n For more information, call

1300 886 688 or visit
www.maybank.com.my

Smart financial tips from MIB

l Maybank Islamic Berhads
General Investment Account-i
(GIA-i) Campaign runs from now
until Nov 30 or upon reaching its
campaign limit. Hurry and sign
up before the fund is exhausted
or you will miss one of the
highest rates in town.
l You can choose to reinvest
your monthly dividends into the
account, increasing your capital
monthly and thereby increasing
the following months dividends.

l You can choose to get your

dividends paid monthly to your
current or savings account,
thereby allowing you access to
your dividend to cover monthly
expenditure without affecting
your initial placement.
This is a much needed relief in
current market conditions with
the increase in cost of living.
l Instead of opening a single
certificate of deposit for the full
amount, consider opening

multiple certificates. This gives

you a buffer in case you need
funds urgently.
For example, if you have
RM100,000 to invest, you can
break it into 10 certificates of
RM10,000 (the minimum
campaign placement amount).
This way, if you break one of
10 certificates, the rest of your
money is still invested into the
GIA-i and is eligible for the
campaign.

SUNDAY STAR, 8 NOVEMBER 2015

SUNDAY STAR, 8 NOVEMBER 2015

4 money & you

IT has been more than 130 years

since the foundation of the Tokio
Marine Group in 1879 as the first
insurance company in Japan.
Today, the company is present in
37 countries and regions with
operations across 456 cities.
One of the worlds leading
insurance solution providers for
marine cargo, engineering,
personal and life insurance, Tokio
Marine Life Insurance Malaysia
Bhd understands that customers
have varying needs, are at
different stages of life and require
financial security.
According to a recent protection
gap study in Malaysia
commissioned by the Life
Insurance Association of Malaysia,
Malaysians are generally underinsured compared with their peers
in countries in the Asian region
such as Singapore, Hong Kong,
South Korea and Japan.
Today, life insurance and family
takaful provides insurance
protection for only 55.5% of
the total population, meaning
Malaysians are generally
unprepared for rainy days.
It is important to bridge this
protection gap by offering products
and services that make sense as
well as allow people easy access to
insurance, says Toi See Jong, chief
executive officer of Tokio Marine
Malaysia.
With uforlife.com.my, Malaysians
are now able to purchase life
insurance online and be protected
instantly via an e-Policy.

Toi See
Jong.

The U for Life online insurance platform makes protecting yourself and your loved ones easy.

Simple online insurance

Effective solution

The U for Life insurance

platform is an innovative solution
and the result of a strategic
partnership between Tokio Marine
Life Insurance Malaysia Bhd and
U for Life Sdn Bhd.
Many people cite the buying
process and lack of product
understanding as main reasons
for not being adequately insured.
The pioneer online insurance
platform is designed to offer a
simple, instant and affordable
way to buy life insurance
online.
Tokio Marine Malaysia is
the underwriter and works
with Hannover Re, the third
largest reinsurer in the
world in this collaboration.
U for Life has registered
more than RM165mil in
sums assured since its
soft launch in May this
year.
This signals a growing
acceptance among Malaysians

for purchasing life insurance

online.
Due to this encouraging
response, Tokio Marine is
continuing to create greater
awareness about the importance
of life insurance and get more
Malaysians to sign up for their
very first life insurance policy.

Timely modern platform

As customer purchase
behaviour changes over time with
greater use of technology, online
life insurance comes in to fill in the
gap in the local market. Malaysians
are ready to accept online
insurance platforms from which to
buy life insurance, says Toi.
He explains that signing up for a
life insurance policy through U for
Life is easy it takes about 10
minutes to answer a set of simple
questions before you are all set up.
The policies offered by U for Life
are affordable with monthly
payments as low as RM9.85 for a

RM100,000 coverage, depending on

your age and risk factors.
Assistance is also readily
available on the U for Life platform
via an interactive chat feature.
According to Toi, besides
benefiting consumers, the platform
is a convenient tool that Tokio
Marine Malaysias insurance agents
and bank partner RHB can use to

they need instead of the one-size-fits-

all offerings of the past.

In line with this, the Major Motor
Medical policy was introduced last
July.
This no-frills insurance cover pays
up to RM400 per day when one is
hospitalised as a result of an auto
accident in Malaysia, Singapore or
Brunei.
It is certainly affordable the
annual premium starts from only
RM8.48 and goes up to RM33.92.
Another recently introduced policy
is MosBite Insurance, which offers
coverage for individuals who contract

Step 1

Go to www.uforlife.com.my and click Get Started.

Step 2

Fill in the form to get an instant quote.

Step 3

If you like the offer, proceed to make a purchase.

Step 4

Answer a few health and eligibility questions and

submit your application.

Step 5

Once approved, click Pay Now to make an

online payment via your credit card.

Step 6

Congratulations! You are now insured by Tokio Marine

Life Insurance Bhd. An e-Policy will be e-mailed to you
once payment is approved.

dengue fever.
This policy offers financial
protection with a one-off payment of
up to RM3,000 to defray any out-ofpocket expenses not covered by ones
employer.
These two policies are simple to
obtain and require no medical tests.
In addition, beneficiaries need only
to undergo a simple claim process to
receive fast payment.
There is guaranteed acceptance for
Malaysians.

n For more information,

visit www.tokiomarine.com

n For more information about U for

Life, visit uforlife.com.my

Easy steps to owning affordable life insurance:

Instant, affordable products

TOKIO Marine Malaysia Sdn Bhd
is constantly engaged in identifying
opportunities in supporting and
improving the quality of life of the
communities in which it operates.
Its General and Life Insurance
arms have been providing safety
and security to its customers for more
than 65 years.
On the General Insurance side,
Tokio Marine Malaysia understands
the importance of developing
meaningful products and services to
meet the needs of a new generation
of consumers who feel strongly about
having choices paying only for what

reach out to potential customers

and increase productivity.
I am confident that our strategic
collaboration with U for Life will
offer real value to Malaysians as
well as our business partners and,
of course, our agents, he says.

New regional hub

TOKIO Marine Malaysia
Sdn Bhd opened its
Northern Regional Hub
in Penang last Friday,
reinforcing the
companys status as a
major insurer in the
region.
Located in One
Precinct, Bayan Baru,
this new Regional Hub
will enable Tokio Marine
Malaysia to achieve
better operations
efficiency to serve the
business needs and
customer demands of

the northern region.

It gives us the
opportunity to provide
the next level of service
to our present customers
something that our
partners have been
asking for and expect.
We would like to be
the heartbeat of the
larger community, giving
us the advantage of
exposing the business to
a wider audience, says
Toi See Jong, chief
executive officer of
Tokio Marine Malaysia.

SUNDAY STAR, 8 NOVEMBER 2015

SUNDAY STAR, 8 NOVEMBER 2015

6 money & you

More value in investments

By RACHEL PUNITHA
YOU have started saving your money
regularly. The question is, whats next?
Regularly putting money in your savings
account is not enough. The challenge now
lies in getting something more out of your
money.
Now that you have achieved accumulating
savings, it is time to ask yourself a few
questions: do you dutifully save until the day
an emergency expenditure comes along and
blow your savings away or save till you
eventually retire and then routinely spend
your savings until you run dry?
The good news is that these two scenarios
can be avoided. There is so much more that
you can now do for your savings.
You should not adopt a laidback attitude
when it comes to managing your savings;
instead, you should take strategic measures
in multiplying your money.
It would be a waste not to take advantage
of the good opportunities offered by banks
and other financial institutions to do
just this.

Protect your future

Converting your savings into investments will grow your money faster.

Getting the most out of your money means

letting your money work for you. Basically,
what this means is converting your savings
into something lucrative that will eventually
supplement your income.
Many people may lament that investments
are a tricky business and there is a
possibility of losing your money in
the process.
However, the same danger applies to
savings that are left idle in the bank you
may lose your money to emergency
expenditures. In addition, if you do not end
up spending your money, it will inevitably
devalue due to inflation.

Once you start

investing, you will not
only gain more money
but also a wealth of
financial knowledge
that will be invaluable
to securing your
financial future.
Hence, the thing to do is to choose your
investments wisely. There are plenty of
ways to arm yourself and get the financial
education you need. Seminars, conferences,
fairs and interactive websites offer plenty
of advice and help.
All people have to do is contact an expert
or provider, at no obligations and no extra
cost. They will gain advice, consultation and
even financial education from institutions.
People attend education fairs and visit
providers themselves when they want to
further their study. They attend travel fairs
or scour websites when they are in need of a
vacation. Therefore, they should do exactly
the same when they are shopping for the
best investments and information, says
Datin Maznah Mahbob, chief executive
officer of AmInvest.
Once you start investing, you will not
only gain more money but also a wealth of
financial knowledge that will be invaluable
to securing your financial future.
Plus, there is a fun element to it. If there
is active participation, investors will be able
to see their successes. You can discuss with
others and learn from your mistakes, says
Maznah.

> SEE NEXT PAGE

Start converting
HERE are a few sure-fire ways to convert
your savings into investments:
l Investment accounts
Financial institutions have made
converting savings into investment quite
hassle-free. With a few clicks of a mouse or
even a call, you can convert your savings
account into an investment account.
This means that the bank can now use
this money to invest wisely. Your initial
savings and dividends earned will be
placed back into your account (with terms
and conditions, of course).
l Fixed deposits (FD)
Opening an FD involves you entrusting a
large sum of money to a financial provider
for a fixed amount of time. You will receive
a certificate for the sum of money you have
placed into the FD account.
FD accounts typically have higher
interest rates than a savings account, which
is where the investment aspect comes in.
When the term expires, you can
choose to exchange the certificate, thus
withdrawing your money plus the interest
gained, or you can choose to keep it there
for a longer period of time.
l Private retirement scheme (PRS)
A PRS is a voluntary retirement scheme
that anybody above the age of 18 can
participate in.
It is a long-term commitment designed to
help customers accumulate their savings
for retirement.
The minimum monthly payment is as
low as RM50 and the best thing about these
schemes is that there are a few incentives
provided for PRS contributors:

Annual RM3,000 personal tax relief for

the year of assessment from 2012 to 2021.
One-time Government incentive of
RM500 for Malaysians aged between 20
and 30 who have contributed a minimum
of RM1,000 to a single PRS fund in any
calendar year between 2014 and 2018.
Lifetime membership with the Private
Pensions Administrator with an online
account for contributors to check their
investment details, transactions and
performance any time of the day.
Finding the right PRS to suit your needs
is key to making the most out of this
investment. Datin Maznah Mahbob, chief
executive officer of AmInvest, advises
people to carry out thorough research
across all providers and schemes available
so that you get the most value out of your
PRS.
l Mutual funds
In this type of investment instrument,
contributions from many investors are
pooled and invested in other financial
instruments such as stocks and bonds.
One of the main advantages of mutual
funds is that they give small investors an
opportunity to have their finances
professionally managed, which would be
tough if the small amount is individually
invested.
The profits from the entire pool of
investment is shared among the small
investors, providing small investors access
to large profits that they may otherwise be
unable to achieve should they attempt
investing on their own.

SUNDAY STAR, 8 NOVEMBER 2015

> FROM PREVIOUS PAGE

Once you have carried out your
research, there are a few things to
keep in mind when converting
your savings into investments.

money & you 7

Get wise with your money

Higher interest rates

There are financial instruments
with higher interest rates than
regular savings accounts. Choose
them over regular savings accounts
if you have some spare cash that
you do not need immediate access
to.
Take advantage of the
promotions that financial
institutions run a few times a year
to attract potential and recurring
customers.
Interest rates offered during
promotions are usually higher than
non-promotional periods. Keep
yourself regularly updated with the
latest promotions especially if you
are shopping around.
Comparethe interest rates
offered by different banks as
changes occur from time to time
depending on the institutions
campaigns.
To get maximum returns for
your investments, check the rates
of all the banks before selecting
one.
You can use online resources
such as iMoney.my or Ringgit Plus
to help you with calculations.
Lengthen your investment
period, as the longer you wait for
your investment to grow, the

A well-researched investment will give you great returns.

higher the interest gained from it.

Bear in mind that you may
risk losing all or part of your
interest if the fund is withdrawn
prematurely.

Easy access to money

With the introduction of the
Goods and Services Tax this year,
recent toll hikes, fluctuating petrol
prices, volatile markets and
increasing costs of living, people
are definitely feeling the pinch and
are increasingly worried about
keeping their money safe and
easily accessible.
A savings account will give you

easy access to your money but

a common misconception about
investment is that your money
will not be easily accessible.
Nowadays, banks are becoming
increasingly aware of the needs
of customers and are relaxing the
rules and regulations of their
schemes so that customers can
have easier access to their funds.
For example, Maybank Islamic
Berhads new GIA-i can be
considered to encompass the best
of both worlds both savings and
investments.
If you shop around carefully,
you will see that a lot of schemes,
including the GIA-i, have features

added to them such as:

l Monthly cash flow Dividends
or interest is spread out and will be
banked into your account every
month (or at specified intervals).
l An early withdrawal option or
no fixed amount of time Although
financial institutions encourage
you to keep your money for the set
amount of time or even longer
than that, they do provide an
option for you to withdraw your
investment before the term ends
just in case you need the cash.
l An option to switch your
investment account to a savings
account and vice versa With a
few clicks, customers are now able
to change their account statuses to
suit their risk appetite.

Keeping track of fees

Did you know that you are
paying much more for fees than
you are actually aware of?
This is not to say that
banks and financial institutions
are purposefully hiding fee
information from you.
More often than not, customers
are simply unaware of the fee or
they write it off because the
amount seems minimal. One good
example of this is ATM fees.
MarketWatch, a website
published by Dow Jones & Co that
tracks the pulse of markets for

engaged investors, states that fees

can no longer be justified as the
cost of doing business.
According to it, the time has
come to create a new norm in
cost, a cost that is in line with
the actual value created by a
financial institution.
Banks and other financial
institutions do provide the means
to help customers avoid fees from
time to time. It is up to you to take
advantage of these opportunities.
Banks normally have campaign
periods during which they attract
customers by waiving fees. This
is an opportune time to act.
If you are in need of a credit
card or would like to transfer
your savings into an investment
account, this would be a good
time to do it because you will
be able to avoid paying fees
altogether.
While doing this, though, it is
prudent to ask the bank whether
you should be aware of any
hidden fees and if there is a way
for them to be waived too.
Banks want their customers to
stick with them, so chances are
they would be willing to reduce
the fees or waive them if you have
been with them for a long of time
or if you consistently score an A+
in your Central Credit Reference
Information System (CCRIS)
report.

SUNDAY STAR, 8 NOVEMBER 2015

8 money & you

Choosing a secure future

THE Malaysian Government has
taken great steps in encouraging
the rakyat to invest wisely for
retirement in enabling the
infrastructure of the countrys
private retirement scheme (PRS)
industry.
According to Datin Maznah
Mahbob (pic), chief executive
officer of AmInvest, it is vital that
every individual takes charge of
their own retirement planning to
reap the rewards of a well-invested
retirement portfolio and ensure a
financially secure retirement.
It is best to conduct thorough
research across each provider and
all the funds available and pick the
best match for your needs.
It is advisable that you dont
just pick a one-size-fits-all default
plan because it may not give you
the added value that you need.
When choosing a plan, dont just
throw a dart; take accountability
for your financial future, she says.

AmInvest offers three PRS core

funds or default options that cater
to different age groups and needs:
AmPRS Growth Fund (for those
below 40 years old), AmPRS
Moderate Fund (for those
40 to 50 years old) and AmPRS
Conservative Fund (50 years old
and above).
Though these are good
investment starting points,
AmInvest provides non-core
options so that investors have
more choices and can pick a
portfolio that is better aligned
to their risk profile.
By putting this control in the
investors hands, AmInvest is able
to meet their investors needs.
AmInvest offers the most diverse
range of non-core retirement funds
in the market across asset classes
and geographical exposure, both
in conventional and syariahcompliant spaces:
l Conventional: AmPRS Asia
Pacific REITs, AmPRS Tactical
Bond
l Syariah-compliant: AmPRS
Islamic Equity Fund, AmPRS
Islamic Balanced Fund, AmPRS
Islamic Fixed Income Fund, AmPRS
Dynamic Sukuk
Maznah reveals that AmInvest
will be introducing one more
non-core fund in the near future,
bringing the total amount of funds
offered up to the maximum ten.
We want to provide a wide
range of choices to our investors
to enable them to diversify their
investments and reduce the overall
risk exposure of their investment
portfolios, she says, adding that
AmInvest may have the most
diversified range of PRS funds

THOSE who invest in todays

globalised market know that
currency depreciation will cut into
our purchasing power as more
money is needed to maintain the
same quality of spending.
On the other hand, when we
invest in other currencies that
appreciate, we will have some
currency gain besides return of
investments.
According to William Ng (pic),
chief executive officer of TFDC
Asiacorp Berhad, investing in a
foreign investment is effectively
investing in a foreign currency.
Ng, who is a Certified Financial
Planner and Islamic Financial
Planner, says, Savvy investors
are diversifying into foreign
investments to hedge against
currency depreciation. A global
investment adds strength to your
portfolio.
However, investors should be
wary of pitfalls. Picking the right
investment is one thing and
choosing the right country to
invest in is another, says Ng.
Due to the inherent long-term
nature of property investment,
the investment becomes largely
illiquid and locked in for a long
period of time.
Hence, investors nowadays tend
to seek investments that provide a
shorter payback term of two to

be self-sufficient in the future,

says Maznah.

Diversity and capability

Take control

Finding the right PRS fund for you will mean getting better returns on
your investment. Start young to secure your future.

among providers in Malaysia.

AmInvest closely manages and
monitors its funds and the unit
trusts it feeds into (for funds based
on feeder funds structures).
Maznah explains that the
management house has built its
capabilities in certain flagship
funds in terms of risk versus
returns. Once it is deemed suitable
to be offered as a fund that a PRS
fund can feed into, it will be
introduced to investors.
AmInvest aims to offer similar
best-performing funds as part of its
PRS suite of offerings in the near
future.
We have the capabilities to
manage the funds in all market
conditions, including through

periods of market volatility such as

what we are experiencing now. We
have developed strategies to make
the funds work for us and these
strategies have been successful as
the funds are performing well, she
says.
When it comes to managing
funds, our philosophy is
consistency through diversification
amid market volatility. We
understand that investors want
security in their investments.
Investors are able to see how
the funds are managed, which
provides the added advantage of
a learning opportunity.
This is important, especially for
the younger generation, as they
will need financial intelligence to

As of September this year, 47.9%

of PRS investors are between 31
and 50 years old and only 26.4%
are below 31 years old.
Of this, the majority are invested
in default funds, which may not
fully complement their existing
contributions into Malaysias
mandatory retirement savings
scheme.
One of the more apparent
reasons many people invest in PRS
is to take advantage of the RM3,000
tax break that comes with the
investment.
This should not be the sole
reason to invest. Investment goals
should be long-term. A wisely
invested PRS fund can give you
what you need to successfully fulfil
your retirement goals, says
Maznah.
AmInvest believes that there is
plenty of room for development
in terms of reaching the target
demographic the young.
Regulators and providers are
doing their part in providing access
to information, but it is up to the
individual to take the initiative to
secure their financial future.
It is vital that every individual
takes charge of their retirement
planning and start investing now.
With a good investment partner
such as AmInvest, you can weather
changing markets and stay ahead
in all market conditions, says
Maznah.

n For more information, visit

www.aminvest.com, e-mail
aminvestprs@aminvest.com or call
the PRS Hotline at 03-2032 2888.

Opportunities beyond borders

three years.
This not only gives flexibility of
liquidity to the investor but also
the choice of compounding
through reinvestment or shifting
to invest in another currency
according to new market
conditions.
TFDC Asiacorp is a boutique
property development investment
firm that promotes approved
structured investments and
lifestyle properties to grow wealth
using a mix of compounding,
global diversification and risk
control applications.
It promotes Canada Dollar Real
Estate bonds and luxury
community properties in Forest
Lakes Country Club, in Halifax, the
provincial capital of Nova Scotia,
Canada.
Demand for this type of
residential luxury community
has grown along with the increase
in population and the many
multinational companies who are
now choosing Halifax as a base for
their operations.
Halifax has seen robust
economic performance in the last
decade. The city, nominated as one
of Canadas top investment cities in

2012 to last year, thrives on its

maritime activities and recently
secured a multi-billion dollar
shipbuilding contract.
The site, which was acquired by
TFDC in 2007, was re-zoned in 2008
to permit a mixed development of
residential, commercial and
recreational projects.
The site will boast a Nicklaus
Design golf course (international
golf course design firm owned
by golf legend Jack Nicklaus), the
largest of its kind in Atlantic
Canada.
Forest Lakes Country Club
will also include a host of
leisure and sporting facilities,
a luxury boutique hotel and an
international business centre.
Trunk and ancillary roads are
already being built and the first
model homes and sales centre
were recently opened.
The initial phases of 1A and 1B
are fully sold and its ready-to-build
residential plots and the first nine
holes of the golf course are
expected to be delivered by next
year.
In line with the housing boom
anticipated from the governments
CAD$25bil (RM81.7bil) shipbuilding

contract, the resort has already

attracted buyers from more than
40 countries.
TFDC Asiacorp is introducing
limited units of housing plots in
phases 1C and 1D with a
guaranteed resale, with capital
appreciation returns of 48% in
three years.
Purchasers can, at the end of
three years, choose to keep the plot
and build on it, resell it for further
gains or choose to flip it back to the
master developer for cash at a net
gain of 48%. A two-year flipping
option is also available with a net
gain of 26%.
The unique features of this
investment allow investors flexible
options to diversify their portfolios
internationally and hedge with the
stable Canadian dollar.
Investors are able to enjoy
flipping opportunities every two
to three years as it rides on a
master development.
TFDC Asiacorp is also promoting
its signature Property
Development
Investment Scheme,
which is the only
approved scheme in
Malaysia that is

pegged in Canadian dollars.

Investors are redeemed in the
Canadian dollars equivalent on
exit, which is due in March 2017.
Return is at 11% net per annum.
The investment is guaranteed with
collateral of the development land
valued at RM25.5mil based on an
independent valuation in 2012.

n For more information,

call 011-1222 1998.