Disclaimer: We recommend that you read and understand the contents of the

Master Prospectus (Shariah-compliant Funds) Issue No. 7 dated 30 June 2014

which has been duly registered with the Securities Commission Malaysia (SC),
before investing and that you keep the said Master Prospectus for your record.
Any issue of units to which the Master Prospectus (Shariah-compliant Funds) relates
will only be made upon receipt of the completed application form referred to in and
accompanying the Master Prospectus (Shariah-compliant Funds), subject to the
terms and conditions therein. Investments in the Fund are exposed to credit (default)
and counterparty risk, and interest rate risk*. You can obtain copies of the Master
Prospectus (Shariah-compliant Funds) from the head office of CIMB-Principal Asset
Management Berhad or from any of our approved distributors. Product Hightlight
Sheet (PHS) is available and that investors have the right to request for a PHS; and
the PHS and any other product disclosure document should be read and understood
before making any investment decision. There are fees and charges involved and
investors are advised to consider these fees and charges before investing in the Fund.
Unit prices and income distributions, if any, may fall or rise. Past performance is not
reflective of future performance and income distributions are not guaranteed. You are
also advised to read and understand the contents of the Financing for Investment in
Unit Trust Risk Disclosure Statement before deciding to obtain financing to purchase
units. This leaflet will be expired on 29 June 2015.

Kenyataan: Kami mencadangkan supaya anda membaca dan memahami

kandungan Prospektus Induk (Dana-Dana Berlandaskan Syariah) Terbitan Ke-7
bertarikh 30 Jun 2014 yang telah didaftarkan dengan Suruhanjaya Sekuriti Malaysia,
sebelum melabur dan pastikan anda menyimpan Prospektus Induk tersebut untuk
rujukan anda.
Terbitan unit-unit yang berkaitan dengan Prospektus Induk (Dana-Dana Berlandaskan
Syariah) hanya akan dikeluarkan selepas menerima borang permohonan lengkap
yang dilampirkan bersama Prospektus Induk tersebut, tertakluk kepada syarat-syarat
dan terma-terma yang terkandung di dalamnya. Pelaburan dalam Dana ini terdedah
kepada risiko kredit (mungkir) dan kaunterparti, dan risiko kadar faedah*. Anda boleh
mendapatkan salinan Prospektus Induk ini di ibu pejabat CIMB-Principal Asset
Management Berhad atau melalui pengedar kami yang dilantik. Terdapat Product
Highlight Sheet (PHS) dan pelabur mempunyai hak untuk meminta PHS; dan PHS
dan dokumen penzahiran produk lain mesti dibaca dan difahami sebelum membuat
apa juga keputusan pelaburan. Pelaburan ini mempunyai yuran dan caj yang
dikenakan dan pelabur dinasihatkan agar mempertimbangkan yuran dan caj yang
berkaitan sebelum melabur di dalam Dana. Harga unit-unit dan agihan pendapatan,
jika ada, mungkin turun atau naik. Prestasi Dana sebelum ini tidak mencerminkan
prestasi akan datang dan agihan pendapatan adalah tidak dijamin. Anda juga
dinasihatkan agar membaca dan memahami kandungan Penyata Pendedahan
Risiko pembiayaan Pelaburan Unit Amanah sebelum membuat keputusan untuk
mendapatkan pembiayaan untuk membeli unit-unit. Risalah ini sah sehingga 29 Jun
2015.

: 20146307

CIMBPrincipal Asset Management Berhad

(PHS)PHS

2015629

*Note: The Fund does not invest in interest bearing instruments; the interest rate
referred herein is to the general interest rate of the country, which may affect the
value of the investments of the Fund. / *Nota: Dana ini tidak melabur pada instrumen
berfaedah;kadar faedah yang dimaksudkan adalah kadar faedah umum negara, yang
berkemungkinan menpengaruhi nilai pelaburan Dana ini. / *

CIMB Islamic Money Market Fund

About Us
CIMB-Principal Asset Management Berhad (CIMB-Principal) is a premier
asset management company with regional investment capabilities.
Established in 1995, it is one of the largest asset management companies in
Malaysia with regional footprint covering Indonesia, Singapore and Thailand.
CIMB-Principal aspires to be Southeast Asias most valued investment
management company offering total asset management solutions.
It manufactures and distributes a comprehensive range of unit trust funds,
and manages customised portfolio mandates for corporations, institutions,
as well as government and pension funds. Its regionally integrated team of
dedicated investment professionals offers expertise ranging from equity,
fixed income, cash management, and Shariah-compliant fund management.
CIMB-Principal is jointly owned by CIMB Group, one of Southeast Asias
leading universal banking groups; and The Principal Financial Group, U.S.A.,
a NYSE-listed global financial service company and a leading Fortune
500 company.

Tentang Kami
CIMB-Principal Asset Management Berhad (CIMB-Principal) merupakan
sebuah syarikat pengurusan aset yang terulung dan mempunyai keupayaan
pelaburan serantau. CIMB-Principal ditubuhkan pada 1995 dan merupakan
salah sebuah syarikat pengurusan aset yang terbesar di Malaysia dan turut
beroperasi di Indonesia, Singapura dan Thailand.
CIMB-Principal bercita-cita untuk menjadi sebuah syarikat pengurusan
pelaburan yang terkemuka di Asia Tenggara dengan menawarkan
penyelesaian pengurusan aset secara keseluruhan. Ia menerbit dan mengedar
rangkaian dana unit amanah yang komprehensif, serta menguruskan mandat
portfolio suai langgan untuk institusi, syarikat korporat dan kerajaan serta
dana pencen. Pasukan pelaburan integrasi serantau kami yang profesional
dan berdedikasi menawarkan kepakaran dalam pelaburan ekuiti, pendapatan
tetap, pengurusan tunai, dan pengurusan dana yang berlandaskan Syariah.
CIMB-Principal dimiliki bersama oleh CIMB Group, salah satu kumpulan
syarikat perbankan universal yang terulung di Asia Tenggara; dan The
Principal Financial Group, U.S.A., sebuah syarikat khidmat kewangan global
yang disenaraikan di NYSE dan juga merupakan salah sebuah syarikat yang
tersenarai di dalam Fortune 500.

CIMB-Principal Asset Management Berhad (CIMB-Principal)

1995

CIMB ISLAMIC MONEY MARKET FUND

What is CIMB Islamic Money Market Fund?

Unlock your moneys

potential for better tax
efficiency and higher
liquidity.

Quick Guide

Are you undecided about which fund you should take?

Well, this versatile fund welcomes both corporate firms
and individuals. So whether you have RM500,000 or
RM10,000, we have something for you. This fund is a
tax-friendly alternative to traditional bank deposits that
adhere to Shariah principles, but also aims to give you
potentially better returns. You will have easy access to
your funds and still enjoy a potentially steady monthly
income.

Description
Fund Category/Type

Money Market (Shariah-compliant) / Income

Investment Strategy

The Fund will place at least 90% of its Net

Asset Value (NAV) in Islamic money market
instruments such as Islamic Accepted Bills,
Islamic Negotiable Instruments of Deposits
and Islamic Repurchase Agreements (Repo-i)
as well as in any other Shariah-compliant
fixed income instruments and placements
of Shariah-compliant deposits with financial
institutions, all of which are highly liquid and
have a remaining maturity period of less than
365 days. Up to 10% of the Funds NAV may
be invested in Shariah-compliant fixed income
instruments which have a remaining maturity
period of more than 365 days but less than
732 days. The Fund will be actively managed.
The strategy is to invest in liquid and low risk
short-term investments with a high degree for
capital preservation*.

Reap potentially high rewards while remaining Shariahcompliant.

CIMB Islamic Money Market Fund Works

to Your Benefit:
Minimal risk and lower volatility due to short term
investment*
Potentially higher returns as compared to CIMB
Islamic General Investment Account-i (GIA) 1-month

Potentially steady
distribution

stream

of

monthly

income

Investment alternative that adheres to Shariah

principles
Investing in Islamic money market instruments

CIMB-Principal

Customer Care Centre

50, 52, & 54, Jalan SS21/39, Damansara Utama
47400 Petaling Jaya, Selangor
Email : service@cimb-principal.com.my
www.cimb-principal.com.my

(304078-K)

* as compared to equities

With a lump sum investment

Minimum initial investment of RM10,000^ and minimum
additional investment of RM1,000^.
^ For avoidance of doubt, this amount includes any applicable fees
and charges such as sales charge, as the case may be. In other
words, the amount is gross of fees and charges.

EPF Members Investment Scheme

CIMB-Principal Asset Management Berhad is an approved
funds management institution under the EPF Members
Investment Scheme. Members can invest not more than
20% of their credit in excess of Basic Savings in Account
1. To find out more about your investment eligibility,
please refer to EPFs Basic Savings Table and examples
of allowable withdrawal for the Members Investment

*Note: The fund is neither a capital guaranteed

fund nor a capital protected fund.

Withdrawal.

Manager

CIMB-Principal Asset Management Berhad

The list of Funds that is allowed under the EPF Members

Application Fee

Institutional Unit Trust Advisers (IUTAs): Nil.

CWA: Nil.

Management Fee &

Trustee Fee

Management Fee: Up to 0.50% p.a. of the NAV.

Trustee Fee: 0.03% p.a. of the NAV of the Fund
(excluding foreign sub-custodian fees and
charges).

Distribution
Frequency

Monthly, depending on the level of income (if

any) the Fund generates.

Cooling-off Period

Six (6) Business Days from the date the

application form is received and accepted by
the Manager or Distributors from the first time
investor.

Switching Policy

Investors have the option to switch into any

of the funds offered by Manager that allow
switching of units.

CIMB-Principal
(The Principal Financial Group)
500

CIMB-Principal Asset Management Berhad

How Do I Invest?

Note: Please refer to the Master Prospectus

(Shariah-compliant Funds) Issue No. 7 dated 30
June 2014 for the detail of Switching Policy.

Investment Scheme will be updated on the website at

www.cimb-principal.com.my as and when EPF revises
the list.

Where Do I Invest?
To invest or for more information, kindly contact our
Customer Care Centre.
Call us at (603) 7718 3100
E-mail us at service@cimb-principal.com.my
Visit us at www.cimb-principal.com.my

CIMB Islamic Money Market Fund

Apakah CIMB Islamic Money Market Fund?

CIMB Islamic Money Market Fund

Panduan Ringkas

Tidak pasti dana yang mana menjadi pilihan?

Dana versatil ini sesuai untuk firma korporat dan
individu. Sama ada anda mempunyai RM500,000 atau
RM10,000, kami mempunyai sesuatu yang sesuai untuk
anda. Dana ini merupakan dana alternatif mesra cukai
yang berlandaskan Syariah berbanding simpanan wang
di bank, oleh itu ia berpotensi memberikan pulangan
yang lebih baik. Anda boleh mengakses dana anda
dengan mudah dan terus menikmati potensi pendapatan
bulanan yang stabil.

Penerangan
Kategori / Jenis Dana

Pasaran Wang (berlandaskan Syariah) / Pendapatan

Strategi Pelaburan

Dana ini akan menempatkan sekurangkurangnya 90% Net Aset Bersih (NAB) tersebut
di dalam instrumen pasaran wang Islam seperti
Bil Penerimaan Islam, Instrumen Deposit
Boleh Runding Islam dan Perjanjian Beli Balik
Islam (Repo-i) serta di dalam mana-mana
instrumen pendapatan tetap dan penempatan
deposit berlandaskan Syariah dengan institusi
kewangan, kesemuanya berkecairan tinggi
dan mempunyai baki tempoh matang kurang
dari 365 hari. Sehingga 10% NAB Dana boleh
dilaburkan di dalam instrumen pendapatan tetap
berlandaskan Syariah yang mempunyai baki
tempoh matang lebih daripada 365 hari tetapi
tidak melebihi 732 hari. Dana akan diuruskan
secara aktif. Strateginya adalah melabur di
dalam pelaburan cair jangka pendek dan
berisiko rendah untuk tahap pengekalan modal
yang tinggi*.

Nikmati potensi ganjaran pulangan lebih tinggi berlandaskan

prinsip Syariah.

CIMB Islamic Money Market Fund

Menawarkan Manfaat-manfaat:
Risiko yang minimum dan kemeruapan yang lebih
rendah disebabkan pelaburan jangka pendek*
Berpotensi menjanakan pulangan yang lebih tinggi
berbanding dengan 1 bulan Akaun Pelaburan Am
Islam-I (CIMB Islamic General Investment Account-i
(GIA) 1-month)
Berpotensi memberikan aliran agihan pendapatan
bulanan yang stabil
Alternatif pelaburan yang mematuhi prinsip-prinsip
Syariah

*Nota: Dana ini bukan dana dijamin modal atau

satu dana yang dilindungi modal.
Pengurus

CIMB-Principal Asset Management Berhad

Yuran Permohonan

Institusi Penasihat Unit Amanah (IUTA): Tiada.

CWA: Tiada.

Yuran Pengurusan
& Yuran Pemegang
Amanah

Yuran Pemegang Amanah: 0.03% NAB setiap

tahun (tidak termasuk yuran dan caj subpenjaga asing).
Bulanan, bergantung kepada paras pendapatan
(jika ada) yang dijanakan oleh Dana ini.

Tempoh
Pertimbangan

Enam (6) hari perniagaan dari tarikh borang

permohonan diterima oleh Pengurus atau
Pengedar-pengedar dari pelabur kali pertama.

Penukaran Polisi

Para pelabur boleh membuat pilihan untuk

melakukan penukaran kepada sebarang
Dana yang ditawarkan oleh Pengurus yang
membenarkan penukaran unit-unit.
Nota: Sila rujuk kepada Prospektus Induk (DanaDana Berlandaskan Syariah) Terbitan Ke-7
bertarikh 30 Jun 2014 untuk maklumat terperinci
mengenai Penukaran Polisi.

CIMB Islamic Money Market Fund?

Pelaburan Tunai Sekaligus

Minimum pelaburan awal adalah RM10,000^ dan
minimum pelaburan tambahan adalah RM1,000^.

^ Untuk mengelakkan keraguan, modal ini melibatkan yuran dan

caj seperti caj jualan, mengikut mana yang berkenaan. Ini
bermakna, jumlah adalah yuran dan caj kasar.

(Islamic Accepted

Bills) (Islamic

Negotiable Instruments of Deposits)

(Repo-i)

Skim Pelaburan Ahli KWSP

CIMB-Principal Asset Management Berhad adalah
sebuah institusi pengurusan dana yang dilantik di
bawah Skim Pelaburan Ahli KWSP. Di bawah skim ini,
ahli dibenarkan melabur simpanan KWSP mereka tidak
melebihi 20% daripada jumlah lebihan Simpanan Asas di
dalam Akaun 1. Untuk mengetahui kelayakan pelaburan
anda, sila rujuk kepada Jadual Simpanan Asas KWSP dan
contoh pengeluaran yang dibenarkan untuk pengeluaran
pelaburan.
Senarai Dana-dana yang boleh dilaburkan melalui
Skim Pelaburan Ahli KWSP boleh didapati di
www.cimb-principal.com.my dan akan dikemaskini jika
terdapat perubahan dari KWSP.

()/

RM500,000 RM10,000

90%

CIMB Islamic Money Market Fund:

*
-i(GIA)1(CIMB Islamic

36510%

20%

365732

CIMB-Principal Asset Management Berhad

(IUTAs)

Untuk maklumat lanjut atau ingin membuat pelaburan,

sila hubungi Pusat Perkhidmatan Pelanggan kami.
Hubungi kami di (603) 7718 3100
E-mel kami di service@cimb-principal.com.my
Layari www.cimb-principal.com.my

RM10,000^RM1,000^

CIMB-Principal Asset Management Berhad

Di Mana Untuk Membuat Pelaburan?

General Investment Account-i (GIA))

CWA

Yuran Pengurusan: Sehingga 0.50% NAB setahun.

Kekerapan Agihan

Melabur dalam instrumen pasaran wang Islam

*berbanding dengan ekuiti

Bagaimana Untuk Membuat Pelaburan?

:www.cimb-principal.com.my

:0.50%

(603) 7718 3100

:0.03%

service@cimb-principal.com.my

www.cimb-principal.com.my

()

6()

20146307

Note / Nota /
The information contained in this leaflet may be changed without prior notice. In the event of any dispute

()

or ambiguity arising out of the Bahasa Malaysia and Chinese translation in this leaflet, the English

diberitahu terlebih dahulu. Sekiranya berlaku kekeliruan berhubung dengan terjemahan Bahasa

version shall prevail. / Maklumat yang terkandung dalam risalah ini mungkin akan dipinda tanpa
Malaysia dan Bahasa Cina di dalam risalah ini, segala syarat yang termaktub dalam Bahasa Inggeris
akan dikuatkuasakan. /