ILP Workshop AIA

8/10/2019 ILP Workshop AIA

1/61

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


4/61


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!


5/61


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


6/61AIA confidential and proprietary information. Not for distribution. 5

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



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



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



3. Dollar Cost Averaging (DCA)



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.



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.


15/61


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


16/61



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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(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


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


18/61



(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


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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(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


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)


21/61


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


24/61


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


25/61


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



Monthly Jan 06 ~ Dec 10 5.00 60 6,000 7,426.86 7.67%

5 years

Since

Launch


26/61



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)




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)




Monthly Dec 99 ~ Dec 10 11.09 133 13,300 21,013.39 7.96%


27/61



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)


Mode Period Payment Capital Outlay Value @ Dec 2010 Return/Yield


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)


Mode Period Payment Capital Outlay Value @ Dec 2010 Return/Yield


Monthly Feb 00 ~ Dec 10 10.93 131 13,100 21,356.63 8.62%


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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)




Monthly Jan 06 ~ Dec 10 5.00 60 6,000 6,873.26 4.64%




Monthly Feb 00 ~ Dec 10 10.93 131 13,100 17,874.99 5.54%

5 years

Since

Launch


29/61



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)




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)




Monthly Jul 01 ~ Dec 10 9.47 115 11,500 22,497.03 13.47%

5 years

Since

Launch


30/61



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)




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)




Monthly Jul 01 ~ Dec 10 9.47 115 11,500 21,020.45 12.13%


31/61


32/61



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)




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)




Monthly Aug 04 ~ Dec 10 6.42 77 7,700 9,571.55 6.69%

5 years

Since

Launch


33/61



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




Monthly April 06 ~ Dec 10 4.76 57 5,700 6,332.31 4.37%

Since

Launch


34/61



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)




Monthly Dec 06 ~ Dec 10 4.09 49 4,900 5,334.64 4.11%

Since

Launch


35/61



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)


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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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)




Monthly Jun 08 ~ Dec 10 2.59 31 3,100 3,262.17 3.87%


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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


Monthly Apr 09 ~ Dec 10 1.76 21 2,100 2,386.18 14.66%


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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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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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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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AHAFor customers who seek for

protection against critical illnesses.

PROTECTION AGAINST CRITICAL ILLNESSES


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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 Health Account (AHA)


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:





4. Monthly premium consists of RM200 Regular Premium and RM100 Scheduled Top Up Premium


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AFAFor lady customers who seek for

protection against female illnesses

and maternity protection.

AFA LADIES BEST COMPANION


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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 Female Account (AFA)


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:





4. Monthly premium consists of RM200 Regular Premium and RM100 Scheduled Top Up Premium


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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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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



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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:


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.



AIA One Solution Female


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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



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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:







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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:




4. Monthly premium consists of RM300 Regular Premium and RM300Scheduled Top Up Premium.


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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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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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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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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!

ILP Workshop AIA

Documents

Transcript of ILP Workshop AIA