great eastern financial planning & you

8/11/2019 Great Eastern Financial Planning & You

1/12

www.lifeisgreat.com.my

The Road to Happiness

ISSUE 1 2011

KDN No: PP12520 / 06 / 2011 (028641)


2/12

Dear valued customers,

In line with the healthy economic growth of 7% achieved by the country lastyear, Great Eastern Life Assurance (Malaysia) Berhad has achieved a TotalWeighted New Business Premium of RM938 million, representing a verystrong double-digit growth. And we have all of you, our dearest customers,

to thank for the remarkable achievement.

2010 has indeed been an exciting year for all of us. We have seentremendous breakthroughs in our operations such as 100% ine-S ubmission, an online proposal submission programme; 73% growthin New Business Investment-L inked Sales, our acquisition of the Family

Takaful licence, as well as the launching of our Smart Early PayoutCriticalCare the first medical rider of its kind in Malaysia.

However, the emphasis on customer satisfaction remains the top priority atGreat Eastern. We are always striving to enhance our relationship with our

customers. To ensure that we can achieve that promise, we have conductedthe Building Emotional Engagement (BEE) Programme nationwide toinculcate a Service Excellence culture in every individual, including theSenior Management Team of the company.

On top of that, we have also been gearing-up for the centralisation of allcalls from our branches throughout the nation to our Customer S ervice CallCentre at the Head Office. A new milestone was achieved when we officiallylaunched the centralised customer call centre service in January, along withour new Customer Service Careline.

In challenging times like these, it would be wise to not hope for the bestbut rather to prepare for the worst. Opt for a regular investment-linkedinsurance plan if your focus is on protecting you against lifes unexpectedevents, or get an endowment plan if basic insurance coverage combined witha savings element is what you are looking for.

On a final note, we at Great Eastern would like to express our heartfeltappreciation to all of our customers for your unwavering trust andrelentless support. Thank you, once again for being a part of theGreat Eastern family. We look forward to serving you even betterand help you tap into new engines of growth together in the future.

Warmest regards,

Koh Yaw HuiDirector and Chief Executive OfficerGreat Eastern Life Assurance (Malaysia) Berhad

2

CEOs Message

Cr t calCa

However, tGreat East

customers.the Bu ldnculcate

Sen or Ma

On top of tcalls fromCentre at tlaunched tour new C

In challenbut ratherinsuranceevents, ora sav ngs

On a f nalapprec at orelentlessGreat Eastand help y

Warmest r

oh YawD rector anGreat East


3/12

There are so many ways you can, essentially, enhanceyour Great IncomeEnhancer plan.

Tag on a rider such as the Waiver of Premium on DD Rider 2,that waives your premium in the event of Dread Disease of the

life assured, or Payer Benefit Rider Plus 2, to waive premiums

should Death, TPD or Dread Disease occur to the payer.

Even without adding on these riders, youre entitled to a lump sumpayment of the sum assured, accumulated survival benefit (if any),accumulated cash bonuses (if any) and terminal bonus (if any) shoulddeath or TPD (before 65 years next birthday) happen.

But were hoping everything will go well, and youre healthy enoughto enjoy the benefits when your plan matures at age 70 next birthday,whereupon you will receive a lump sum of 150% of the original sumassured, accumulated survival benefit (if any), accumulated cashbonuses (if any), final year survival benefit and terminal bonus (if any).

So you can live more, and worry less.

Your life,enhanced.

Life is meant to be enjoyed to the fullest.

Now, with the new Great IncomeEnhancer, you can experience maximumprotection and comprehensive savings for you to get the most out of life.Great IncomeEnhancer is a limited pay endowment plan that alsoprovides protection against Death and Total and Permanent Disability(TPD), while providing you with cash payments to enhance your lifestyle.

The long and short of it.For 15 to 20 years of premium payment, you enjoy life protection up till age70 next birthday! Plus, you enjoy guaranteed survival benefit payments fromthe end of the 10thpolicy year onwards if you opt for a 15-year payment plan,or from the end of the 15thpolicy year onwards with a 20-year payment plan.

A short investment period, for long-term benefits that you can use to

experience the life that you want.

Policy Year

Premium Payment Term

20 Years15 Years

% of Basic Sum Assured

1 - 9

10 - 14

20 - 24

25 - Maturity

15 - 19

-

16.5%

7.0%

4.0%

4.0%

-

-

14.0%

7.0%

4.0%

Additional Sum Assured

(% of the Basic Sum Assured)Policy Year

1stto 2ndPolicy Year3rdto 4thPolicy Year5thto 6thPolicy Year

7thto 8thPolicy Year9thto 10thPolicy Year

11thPolicy Year until maturity

Nil10%20%

30%

40%

50%

Its always nice to have a little extra.

With Great IncomeEnhancer, you wont justreceive a guaranteed survival benefit, but also berewarded with cash bonuses (if any) from the endof the first policy year. Its additional income foryou to spend on the things that are important to

you, like buying your dream home or saving upfor your childs education.

Should death or TPD (before age 65 nextbirthday) occur unexpectedly, your loved oneswill receive an additional percentage of thetotal basic sum assured.

This ensures that even in the face of adversity, youand your loved ones can have the peace of mindknowing that your financial position is secured.

Cashing outwithout cashing in.

Great IncomeEnhancer is a great way to stay protected and increaseyour savings while paying premiums for a shorter period, and is availablefor those aged between 30 days attained age and 55 years next birthday.

So enhance your life now by contacting your friendly Great Easternagent or calling our Customer Service Careline at 1300 1300 88.

More protection,more benefits,less worrying.

3

Great File


4/12

Cover Story

Family FirstA loving family is the key to enduring and sustainable happiness.However, those who are driven to excel in their work often havethe tendency to over-invest in their careers while under-investing

in their families. Sure, expending time and energy into climbingthe corporate ladder provides a sense of achievement, but is itreally worth neglecting your loved ones for?

Think about it; if something were to happen to you tomorrow,your boss could easily replace you with another personpossessing the same capabilities, but your family will neverever have a child, parent or sibling like you.

Start putting your family first today by:

Sharing how you feel.

Dont take your family for granted. As often as possible, showthem how much you love and appreciate everything theyve donefor you. When you have a solid foundation at home, youre likelyto have better relationships in other aspects of your life as well.

Making time.

Every minute you spend with your family is precious.Always look for opportunities to just be with your loved ones;it could be 30 minutes at breakfast, or an hour after dinner.Better yet, deliberately create chunks of time to spendwith them. Do something leisurely to connect with them,like going shopping, doing an activity together or just lazingaround at home watching television!

Planning vacations in advance.

Or do one better. Pay them in full and make sure they arenon-refundable. This makes it easier to compel yourselfto guarantee the vacation happens, no matter what!

The Art ofManagingHappiness.Everything we do in life should lead tosome form of happiness, joy and fulfillment.No one starts out to deliberately get stuckin the rut, but this is a common result whenwe dont strike a balance between lifesmany different aspects. There will always bechallenges in our lives, from financial woesand stress at the workplace to friction inthe family and other relationship issues.However, each of these challenges presentsus with an opportunity to improve the waywe live, but only when we allow ourselvesto take things positively and learn fromour mistakes.

So what does it take to manage your life,and your happiness? Here are some tipsto help you make your life great!

Build aRewarding CareerYoull be spending an average of 48 hours a week at work,

so why not make it a source of happiness rather than stress?Your job shouldnt be just about clocking in the hours; it shouldprovide you with the right amount of challenge and fulfillmentto ensure you look forward to turning up at the workplace everysingle day.

Here are a few things you can do to start off right:

Develop a positive attitude.

Criticism is meant to be constructive. Take it in stride and let goof negative thinking. This will help make you less judgmentaland more accepting of others perspectives. Youll find its easierfor you to learn and enrich yourself!

Resolve conflicts.

Malaysians have a tendency to avoid confrontation. But whatstarts out as a spark can turn into a raging fire, leading toexplosive blow-ups that cause irreparable damage. So deal withnegative situations quickly. Usually, all it takes is to allow coolerheads to prevail; discuss the problem objectively and look fora win-win solution. You wont just solve the issue, but builda better work environment as well!

Understand and accept differences.

If there are people you dont see eye-to-eye with at work, try alittle empathy. Look at things from their perspective, and you maydiscover something new. This often leads to better understandingof each other, and a healthier working relationship.

- What l ies beyondt heperf ect beginning?

4


5/12

Start a budget1.

This isnt as complicated as it sounds. Just think of it as a smart planon how to spend your money. First, define your goals, needs andwants. Goals are things you want to achieve; buying your first home,setting up a business, and starting a family. Devote a maximum of40% of your income to these.

Next, figure out what you need, and what you want. Needs arethings you cant do without, and wants are those items thatyou desire, but should only get if you can truly afford them.

Then start listing down your total income and your fixed expenses.Fixed expenses are those that dont change from month to month,like your car installment or rent. All other expenses are consideredvariable; for instance your phone and electricity bills, which change

every month.

Now, youll need to keep track on how you are spending yourmoney. Write down what you buy and how much each item costs.Try it out for the next 30 days, and youll find out exactly what youuse your money for. Then you can effectively plan your budget,and be on your way to properly managing your finances.

Prioritise your spending2.

In the early stages of your career, youll find that, by the end of themonth, you would have exhausted all your finances. The excitementof receiving your first pay cheque is understandable, but youllwant to start prioritising so you dont end up with zero savingsat the end of the day.

The first thing to do is to pay yourself. Put in the same sum everymonth into your savings, and turn it into a habit. In principle,

Put Your Finances in OrderContrary to popular belief, money isnt the root of all evil; rather, its the lack of it that gives rise to many problems. If you dont takesteps to manage your finances, this could begin affecting just about every aspect of your life. There are no secret formulas to doing this,but here are some ways you can start with:

you should save at least 10% of your total income. After that,pay all your necessary bills first. Stretching your bills throughoutthe month will help in ensuring they arent all due on the same day.

Next, make a list and plan ahead before going shopping. Buy thingson sale, and always get the things you need before moving on tothings you want. Stay away from impulse buying, because thatsexactly the way most people end up in debt!

This way, you can stick to your budget, and even have some moneyset aside for a rainy day!

Invest in your future.

Once youve become accustomed to spending wisely and savingregularly, you can take more advanced steps in creating financial

security for yourself.

Investing in fixed deposit is a great way to supplement your savings,and it can work roughly the same way. Just dedicate a certain sumevery month to be put into this investment.

Better yet, get an investment-linked insurance plan. These plansboth provide you and your loved ones with insurance coverageand allow you to invest to enhance your financial position.

There are many solid investment-linked insurance products in themarket, some with very low entry-level premiums, such as GreatEasterns SmartProtectEssential Insurance 2 where you can startwith just RM100.

Sources:1. Setting a Budget, www.akpk.org.my2. The Rainy Day Fund, www.akpk.org.my

A True Story AboutManaging Happiness.Emily and Kelvin, like most happily engaged couples, dreamed of all the

beautiful things marriage would bring. That was before they realised thatgetting married comes with a price.

Planning a wedding with absolutely no savings was tough, and they hadto resort to selling off their prized possessions to bring the wedding of theirdreams to life. Being resourceful individuals, they set up a blog shop wherethey auctioned off their favourite things, updated on a weekly basis. Oneby one, they bid farewell to over a hundred items that they held dear, fromelectronics and toys, to clothes and perfume. However, they did manageto raise well over RM10,000, with which they used to fund their wedding.

The wedding was an overwhelming success, but Emily and Kelvin learneda valuable lesson on the repercussions of unnecessary spending, whichresulted in them not having savings to depend on. They realised that

it was a very risky decision to start planning their life together without anyfinancial backup. They know it was a close call raising enough moneyfor their wedding, and have thus resolved to begin financial planningimmediately in order to manage their lives, and their happiness.

- Heres one t o t he great l ife ahead!5


6/12

IS THIS THE RIGHT

POLICY FOR ME?We get it. With so many types of insurance plans available in the market, deciding on a plan

that best suits your needs can be a little overwhelming at times. But dont worry; here is howyou can go about it with a little help from your Great Eastern Life Planning Advisor!

At Great Eastern, we make it a priority to ensure that each and every one of our customershas the right insurance solution for his or her needs. We are dedicated to finding the rightpolicy for you, so you can rest assured that you are in good hands!

you can go about it with a little help rom your Great Eastern Li e Planning Advisor!

I am new to the whole idea of having an insurance plan. Where do I start?

You can start by contacting a Great Eastern Life Planning Advisor. Our Life Planning Advisors are professionally trained to guide youthrough a Customer Fact Finding (CFF) and Financial Needs Analysis (FNA) process, which will help you get a much clearer pictureof the insurance plan that you need!

In the full CFF process, you will be providing your Life Planning Advisor with essential financial information that will helpdetermine your current financial health. Do you have an existing insurance plan? And what are your financial goals in life?

Your Life Planning Advisor will also assess your priorities whether protection is required for life, medical, education orretirement needs. In addition, in whichever areas of the FNA, you will then agree on a set of applicable variables forcomputation purposes, such as inflation, interest and duration.

through a Customer Fact Finding (CFF) and Financial Needs Analysis (FNA) process, which will help you get a much clearer pictureof the insurance plan that you need!

In the full CFF process, you will be providing your Life Planning Advisor with essential financial information that will helpdetermine your current financial health. Do you have an existing insurance plan? And what are your financial goals in life?

How does the Customer Fact Finding (CFF) and Financial Needs Analysis (FNA) work?

. , ,computation purposes, such as inflation, interest and duration.

I know what I want, but how can I know which plan offers the coverage that I need?

While we offer a wide choice of plans, we also understand that each customer is unique! Our Life Planning Advisors are trained infundamental areas such as income protection, family security, healthcare planning, education planning, retirement planning andeven basic investment planning. They will be able to advise you on the precise form and extent of coverage that you require.

For instance, if its an investment-linked insurance plan that adapts to your lifestyle that you are looking for SmartProtectEssentialInsurance 2 could be just the plan for you! It provides you with comprehensive and affordable insurance, starting with onlyRM100 per month.

,RM100 per month.

I would like to upgrade an existing insurance plan. How can I improve my insurance protection?

You may enhance your insurance protection by attaching riders to your existing insurance plan.There are various types of insurance riders available to better enhance your protection.Your Great Eastern Life Planning Advisor will be able to recommend you the riders that willbest reflect your needs.

For example, do you already possess a regular premium investment-linked insurance plan fromGreat Eastern? Are you looking for coverage against Critical Illness? Smart Early Payout CriticalCaremay then be a top recommendation. Its Malaysias first plan that pays you during the early stagesof critical illness, functioning as a monetary buffer to help you support your financialcommitments while you recover in peace.

6

Ask Great Eastern


7/12

Performance from 20 January 2006 - 28 February 2011Price (NAV-to-NAV) Performance VS Benchmark

200

180

160

140

120

100

80

Jan-

06

Apr-

06

Jul-06

Oct-

06

Jan-

07

Apr-

07

Jul-07

Oct-

07

Jan-

08

Apr-

08

Jul-08

Oct-

08

Jan-

09

Apr-

09

Jul-09

Oct-

09

Jan-

10

Apr-

10

Jul-10

Oct-

10

Feb-

11

Weighted BenchmarkLion Strategic Fund Benchmark - FBM100

Notice: Past Performance of the fund is not an indication of its future performance.

Lion Strategic Fund Performance to 28 February 2011

* Weighted Benchmark is derived from 50% weight on 12-month Fixed Deposi t return and 50% weight on FBM100 index return.** Prior to 1/7/09 is KLCI, thereafter is FBM100.Source: Bloomberg - FBM100 - Bursa Malaysia 12mth Conventional FD - Maybank.

Percentage Return (NAV to NAV) YTD 3-mth 6-mth 1Y 3Y Since Inception

Lion Strategic Fund 0.8% 4.3% 11.9% 18.9% 23.7% 84.6%

Weighted Benchmark* (0.5%) 1.0% 4.4% 11.0% 12.0% 43.4%

Benchmark** (FBM100) (1.5%) 1.2% 7.4% 19.6% 12.8% 69.1%

Investment ObjectiveA fund which invests in a mixture of equities, fixedincome securities and money market instruments.There is flexibility in asset allocation as this fundmay invest solely in fixed income securities orequities. This fund seeks to provide medium tolong-term capital appreciation, with a moderatelevel of volatility.

Investment Strategy

This fund shall be actively managed, investing ina mixture of Malaysian equities and fixed incomesecurities with good fundamentals and growthpotential. The fund aims to provide stable long-term return.

Summary of Bond Market ActivitiesSovereign Market:The Sovereign market started February withinflationary fears in market plays. However,headlines on Middle East and North Africa(MENA) capped losses as safe haven assetsregained its luster in the second half of themonth. The indicative sovereign yield curveended the month bear flattening, with indicative3-year benchmark yields increasing by 15bps,

whilst longer-dated bonds (10 years and above)saw yields increasing by a smaller quantum(between 1 to 6bps) by the end of the month.Government Investment Issues (GII) saw itsyields increasing across the curve between1 to 8bps.Total transaction volumes decreased by 14.7%from RM36.5 bil to RM31.1 bil on seasonalfactor (9-year historical average of RM26.2 bil).Transactions for the month weighted on shortertenured papers (5 years and below) with 72%of total volumes (56% in January) due to tradinginterest in the newly issued 3.5-year benchmarkMGS 08/14.

In the primary market, the scheduled auctionswere well supported by the market. Despite

the new 3.5-year benchmark MGS 08/14 atRM4.5 bil (vs. RM3.0 - 3.5 bil market estimate),the auction saw decent bid-to-cover ratio of2.2 times with successful bids being within atight band of 3.420% and 3.440%, averagingat 3.434%. Similarly, the new 7.5-year GII 08/18drew a strong bid-to-cover ratio of 2.42 timeswith successful bids coming in strong, ranging3.857% - 3.878%, and averaging at 3.872%.Post-auction, both issuances continued to beactively traded, ending the month at 3.35%and 3.86%, respectively.

Corporate Bonds Market:For February, corporate activities decreased by31.9% to RM4.2 bil (RM6.8 bil historical averagesince 2002). Stronger credits dominated flows,with AAA contributing 63.3% of total volumes

(39.4% in January) as a result of trading in newprimary issuances. Short tenured papers alongthe up to 3 years category was the focus oftrades, contributing 42.9% of total trades withinthe corporate segment. The corporate yieldcurve ended the month relatively unchangeddespite the weakness in the Sovereign segment.

Activities in the primary market tapered off onholiday seasonal factor. The only major primary

issuance was the privately placed GovernmentGuaranteed Govco Holdings Berhad (RM8.8 bilIslamic MTNs issued RM3.0 bil).

Market and Interest Rate Outlook:Despite earlier expectation of no interest rateincrease by the central bank within the first halfof 2011, inflationary expectations on globaleconomic recovery continue to exert upwardpressure on yields. Current turmoil in MENA

was sufficient to cause a decline in equitymarkets and a rally in debt markets due toconcerns about the threat from rising oil prices(resulting from MENA unrests) to global growthand economic recovery.

Although the unrest in MENA will affect globalrisk appetite and be supportive of debt marketsin the short-term, the long-term outlook forlocal sovereign bond yields remains bearish onthe back of inflationary pressures and positivegrowth prospects. The risk of outflows asrecovery gain momentum in advancedeconomies and reversal of carry trade oninterest rate differential plays may result inpotential sell down, potentially sendingsovereign yields higher.

For March, the Government scheduled twoauctions: re-opening of 5.5-year MGS 09/16and a new 3.5-year GII 09/14. For corporates,the new issuance pipeline is expected to remainrobust as issuers take advantage of the lowinterest rate to lock-in borrowing costs.However, market may stay defensive and targetshort-term corporate papers for yield pickup.Selected bonds may outperform given theirpositioning on the AA credits. Primaryissuances are expected predominantly onthe Government Guaranteed front, so purecorporates are expected to outperform. Debtmarkets continue to be best played by spreadcompression of lower quality corporate namesto higher rated names as modest upwardpressure on yields should continue.

Equities:Market Review:February was tough for Malaysia and regionalmarkets due to reversal in fund flows fromemerging markets back to developed marketsand political concerns from MENA countriesdriving up oil prices. The major results seasonin February appeared to follow patterns ofthe past 3-4 quarters - more companiesdisappointed on the upside. For the month,

the FBM KLCI fell 29 points or 1.9% to closeat 1,491 points. The broader marketsperformance was weaker than the KLCI withthe FBM Emas declining 2.4% to 10,216points. Smaller caps also underperformed theKLCI as seen by the FBM Small cap, whichplunged 4.4% to 12,413 points and the FBMACE which was down 4.1% to 4,118 points.Average value traded on Bursa in Februaryeased 15% m-o-m to RM2.26 bil per day.

On the regional front, The Straits Times Indexwent down by 5.3% and the Hang Sengweakened by 0.5%. Japans Nikkei 225improved by 3.8% and the ShanghaiComposite index advanced by 4.1%. TheDow Jones improved by 2.8% in February.

For the month, oil prices rose to a high ofUSD112.29/bbl at end-February. Thecommodities sector was buoyed by concernsof supply shortage. Companies benefited fromimproved sentiments were SapuraCrest andKencana Petroleum on contract awards to jointlydevelop and operate the Berantai marginal fieldand Dayang Enterprise from a RM802m contractby Petronas Carigali. But shortage of supply ofcoal from the Australian front had prompted

Tenaga Nasional to issue a statement that it isseeking out new sources of the commodity toavoid operational disruptions.

M&A news flow was also prevalent in Februarywith the continued deadlock of the EON Capital& Hong Leong Bank merger. EON Capitals CEO,Micheal Lor announced his resignation whileBank Negara approved RHB Capitals proposedacquisition for a 80%-stake in PT Bank MestikaDharma.

Market Outlook:We expect the market to be volatile as investorconfidence remains rattled by the politicaluncertainties in MENA and the risk of adisruption in global oil supply. Corporateearnings suffer margin pressures during this

reporting season, and such pressure is likelyto prevail in coming months. We still favourequities over the other asset classes, andwill look for buying opportunities on sharppullbacks. The Funds will stay weighted butwill be selective and may switch out of somehigh beta bets until sentiments improve.

INVESTMENT REVIEWFund Performance Report

Fund DataInception 20 Jan 2006Fund Size (RM) @ 28 Feb 2011 325,302,561Risk Profile Moderate

7

Cash & Deposits18.7%

Oil & Gas16.8%

Financial Services15.9%

Agriculture & Mining14.1%

Building Materials &Construction8.1%

Construction7.0%

Motor4.5%

Property3.6%

Media3.6%

Others7.7%


8/12

8

Lion Progressive Fund Performance to 28 February 2011

Performance from 1 November 2001 - 28 February 2011Price (NAV-to-NAV) Performance VS Benchmark

320

300

280

260

240

220

200

180

160

140

120

100

80

Nov-0

1

Apr-02

Sep-0

2

Feb-0

3

Jul-03

Dec-0

3

May-0

4

Oct-04

Mar-05

Aug-0

5

Jan-0

6

Jun-0

6

Nov-0

6

Apr-07

Sep-0

7

Feb-0

8

Jul-08

Dec-0

8

May-0

9

Oct-09

Mar-10

Aug-1

0

Feb-1

1

Lion Progressive Fund Benchmark - FBM100


Percentage Return (NAV to NAV) YTD 3-mth 6-mth 1Y 3Y 5Y 7Y

Lion Progressive Fund 1.5% 4.3% 8.3% 16.7% 22.5% 84.7% 91.0%

Benchmark* (FBM100) (1.5%) 1.2% 7.4% 19.6% 12.8% 64.8% 74.1%

* Prior to 1/7/09 is KLCI, thereafter is FBM100.Source: Bloomberg - FBMKLCI & FBM100 - Bursa Malaysia.

Investment ObjectiveA fund which invests in a mixture of equities(ranging from 50% to 90%) and fixed incomesecurities. This fund seeks to provide mediumto long-term capital appreciation, with amoderate-to-high level of volatility.

Investment StrategyThis fund shall be actively managed, investingmainly in Malaysian equities with good

fundamentals and growth potential. The fundmay switch partially into fixed income securitiesduring periods of uncertainty. The aim of thisfund is to provide consistent long-term returnabove the benchmark.

Fund DataInception 1 Nov 2001Fund Size (RM) @ 28 Feb 2011 455,925,683Risk Profile High

Lion Balanced Fund Performance to 28 February 2011


300

275

250

225

200

175

150

125

100

75

50

Jan-0

0

Jul-00

Jan-0

1

Jul-01

Jan-0

2

Jul-02

Jan-0

3

Jul-03

Jan-0

4

Jul-04

Jan-0

5

Jul-05

Jan-0

6

Jul-06

Jan-0

7

Jul-07

Jan-0

8

Jul-08

Jan-0

9

Jul-09

Jan-1

0

Jul-10

Feb-1

1

Lion Balanced Fund Benchmark - FBM100 Weighted Benchmark



Lion Balanced Fund 0.7% 3.9% 8.8% 16.4% 27.2% 98.9% 104.5%

Weighted Benchmark* (0.5%) 1.0% 4.4% 11.0% 12.0% 41.2% 51.0%

Benchmark** (FBM100) (1.5%) 1.2% 7.4% 19.6% 12.8% 64.8% 74.1%

* Weighted Benchmark is derived from 50% weight on 12-month Fixed Deposit return and 50% weight on FBM100 index return.** Prior to 1/7/09 is KLCI, thereafter is FBM100.Source: Bloomberg - FBM100 - Bursa Malaysia 12mth Conventional FD - Maybank.

Investment ObjectiveA fund which invests in a mixture of equities(ranging from 40% to 60%) and fixed incomesecurities. This fund seeks to provide medium tolong-term capital appreciation, with a moderatelevel of volatility.

Investment StrategyThis fund shall be actively managed, investing ina mixture of Malaysian equities and fixed incomesecurities with good fundamentals and growthpotential. The fund aims to provide stable long-term return.

Fund DataInception 3 Jan 2000Fund Size (RM) @ 28 Feb 2011 87,917,118Risk Profile Moderate i : i i i i i .

Lion Growth Fund Performance to 28 February 2011


210

190

170

150

130

110

90

70

50

30

Jan-0

0

Jul-00

Jan-0

1

Jul-01

Jan-0

2

Jul-02

Jan-0

3

Jul-03

Jan-0

4

Jul-04

Jan-0

5

Jul-05

Jan-0

6

Jul-06

Jan-0

7

Jul-07

Jan-0

8

Jul-08

Jan-0

9

Jul-09

Jan-1

0

Jul-10

Feb-1

1

Benchmark - FBM100Lion Growth Fund



Lion Growth Fund 0.7% 4.0% 9.6% 18.9% 18.6% 77.5% 62.6%

Benchmark* (FBM100) (1.5%) 1.2% 7.4% 19.6% 12.8% 64.8% 74.1%

* Prior to 1/7/09 is KLCI, thereafter is FBM100.Source: Bloomberg - FBMKLCI & FBM100 - Bursa Malaysia.

Investment ObjectiveA fund where 70% to 100% of the investmentinstruments are equities, which may be volatilein the short term. This fund seeks to providemedium to long-term capital appreciation.

Investment StrategyThis fund shall be actively managed, investingin Malaysian equities with good fundamentalsand growth potential. The fund aims to provideconsistent long-term return above the benchmark.

Fund DataInception 3 Jan 2000Fund Size (RM) @ 28 Feb 2011 497,629,275Risk Profile High

Fund Performance Report


Oil & Gas18.0%

Fixed IncomeSecurities

9.8%

Agriculture& Mining

9.1%

Building Materials &Construction

7.0%

Media5.1%

Motor3.4%

Transport2.7%

Others - Mfg2.5%

Others7.1%

Oil & Gas18.8%

Telecommunication11.5%

Agriculture& Mining

11.1%

Gaming /Leisure

8.5%

Cash & Deposits7.5%

Property5.8% Financial Services

14.7%


Motor5.3%

Others11.1%

Oil & Gas17.0%



Fixed IncomeSecurities7.6%

Gaming /Leisure

6.7%

Cash & Deposits6.5%

Media

6.1%

Motor5.8%


5.4%

Others17.5%

Note: This fund is no longer available for new business policies.


9/12

Source: All benchmarks, and LionGlobal Asia Pacific Fund - Morningstar.

Bloomberg source: 12mth Conventional FD - Maybank.

Sources: Bloomberg - FBM100 - Bursa Malaysia.

Lion Fixed Income Fund Performance to 28 February 2011


190

180

170

160

150

140

130

120

110

100

Dec-0

1

Apr-02

Aug-0

2

Dec-0

2

Apr-03

Aug-0

3

Dec-0

3

Apr-04

Aug-0

4

Dec-0

4

Apr-05

Aug-0

5

Dec-0

5

Apr-06

Aug-0

6

Dec-0

6

Apr-07

Aug-0

7

Dec-0

7

Apr-08

Aug-0

8

Dec-0

8

Apr-09

Aug-0

9

Dec-0

9

Apr-10

Aug-1

0

Dec-1

0

Feb-1

1

Lion Fixed Income Fund Benchmark - 12 Months FD



Lion Fixed Income Fund 0.7% 0.9% 2.2% 7.4% 17.4% 39.6% 60.5%

Benchmark (12 Months FD) 0.5% 0.7% 1.4% 2.8% 9.3% 17.8% 26.9%

Investment Objective

A fund which invests in fixed income securitiesfor example government and corporate bonds(ranging from 40% to 95%) with the balanceinvested in cash and cash equivalents. This fundseeks to provide consistent return at low levelsof volatility.

Investment StrategyA fund which is actively managed to outperformthe benchmark.

Fund DataInception 8 Mar 2000Fund Size (RM) @ 28 Feb 2011 265,594,668Risk Profile Low


Lion Enhanced Equity Fund

Performance to 28 February 2011

Performance from 15 April 2010 - 28 February 2011Price (NAV-to-NAV) Performance VS Benchmark

127

122

117

112

107

102

97

92

15-Apr-10

30-Apr-10

15-May-1

0

30-May-1

0

14-Jun-1

0

29-Jun-1

0

14-Jul-10

29-Jul-10

13-Aug-1

0

28-Aug-1

0

12-Sep-1

0

27-Sep-1

0

12-Oct-10

27-Oct-10

11-Nov-1

0

26-Nov-1

0

11-Dec-1

0

26-Dec-1

0

10-Jan-1

0

25-Jan-1

0

9-Feb-1

1

28-Feb-1

1

Lion Enhanced Equity Fund Benchmark - FBM100


Percentage Return (NAV to NAV) YTD 1-mth 3-mth 6-mth 1Y Since Inception

Lion Enhanced Equity Fund 1.3% (2.7%) 4.3% 11.3% n/a 18.5%

Benchmark - (FBM100) (1.5%) (2.2%) 1.2% 7.4% 19.6% 12.8%

Investment ObjectiveA fund where 80% to 100% of the investmentsare in equities, which may be volatile in the shortterm. This fund seeks to achieve medium tolong-term capital appreciation. Although the fund

invests mainly in Malaysia (50% to 100%), it mayalso partially invest in Singapore (up to 25%) andHong Kong (up to 25%), if and when necessary,to enhance the funds returns.

Investment StrategyThis fund shall be actively managed, investingmainly in Malaysian equities with goodfundamentals and growth potential. The fundmay also invest in equities in Singapore andHong Kong to enhance its returns. The fundaims to provide consistent long-term returnabove the benchmark.

Fund DataInception 15 Apr 2010Fund Size (RM) @ 28 Feb2011 24,862,130Risk Profile High

Lion Asia Pac Fund Performance to 28 February 2011


121

118

115

112

109

106

103

100

97

94

91

88

85

15-Apr-10

29-Apr-10

13-May-1

0

27-May-1

0

10-Jun-1

0

24-Jun-1

0

8-Jul-10

22-Jul-10

5-Aug-1

0

19-Aug-1

0

2-Sep-1

0

18-Sep-1

0

30-Sep-1

0

14-Oct-10

28-Oct-10

11-Nov-1

0

25-Nov-1

0

9-Dec-1

0

23-Dec-1

0

8-Jan-1

1

20-Jan-1

1

28-Feb-1

1

Lion Asia Pac Fund (MYR) Benchmark - MSCI AC AP ex Japan (MYR)


Percentage Return (NAV to NAV) YTD 1-mth 3-mth 6-mth 1Y Since InceptionLion Asia Pac Fund (MYR) (5.0%) (2.0%) (3.7%) 3.4% n/a 5.2%Benchmark - MSCI AC AP ex Japan (MYR) (4.0%) (2.0%) (0.2%) 13.5% 8.2% 5.3%LionGlobal Asia Pacific Fund (SGD) (5.6%) (2.8%) (3.8%) 5.6% 4.6% (4.7%)Benchmark - MSCI AC AP ex Japan (SGD) (3.8%) (2.4%) (0.4%) 9.5% 9.2% 2.1%

Investment ObjectiveA feeder fund that aims to achieve long-termcapital appreciation by investing primarily in theequities markets of the Asia Pacific (ex-Japan)region. The Fund invests in emerging anddeveloped markets. There is no target industryor sector.

Investment StrategyThis fund will feed into LionGlobal Asia

Pacific Fund.

Fund DataInception 15 Apr 2010Fund Size (RM) @ 28 Feb 2011 1,151,921Risk Profile High

Cash & Deposits8.7%

Government17.1%

Financial21.3%

Highway15.9%

Water9.8%

Property6.6%

Power6.3%

Cagamas5.7%

Construction4.3%

Leisure3.9%

Utilities0.4

Oil & Gas24.6%




Property7.2%


Media5.4%


Motor4.0%

Others11.3%

9


10/12

Source: 12mth Mudharabah Deposit - Hong Leong Bank.

Source: Bloomberg - FBMS - Bursa Malaysia.

Source: Bloomberg - FBMS - Bursa Malaysia.

Dana Gemilang Performance to 28 February 2011


125

120

115

110

105

100

95

90

15-Apr-10

29-Apr-10

13-May-1

0

27-May-1

0

10-Jun-1

0

24-Jun-1

0

8-Jul-10

22-Jul-10

5-Aug-1

0

19-Aug-1

0

2-Sep-1

0

16-Sep-1

0

30-Sep-1

0

14-Oct-10

28-Oct-10

11-Nov-1

0

25-Nov-1

0

9-Dec-1

0

23-Dec-1

0

6-Jan-1

1

20-Jan-1

1

3-Feb-1

1

28-Feb-1

1

Dana Gemilang Benchmark - FBMS


Percentage Return (NAV to NAV) YTD 1-mth 3-mth 6-mth 1Y Since Inception

Dana Gemilang (0.1%) (2.9%) 3.6% 9.1% n/a 14.4%

Benchmark - FTSE Msia Emas Shariah (FBMS) (0.6%) (2.0%) 1.8% 8.1% 15.8% 10.1%

Investment Objective

A fund where 80% to 100% of the investmentsare in equities, which may be volatile in the shortterm. This fund seeks to achieve medium tolong-term capital appreciation. Although the fundinvests mainly in Malaysia (50% to 100%), it mayalso partially invest in Singapore (up to 25%) andHong Kong (up to 25%), if and when necessary,to enhance the funds returns. The fund onlyinvests in Shariah-approved securities.

Investment StrategyThis fund shall be actively managed, investingmainly in Malaysian Shariah-approved equitieswith good fundamentals and growth potential.The fund may also invest in Shariah-approvedequities in Singapore and Hong Kong to enhanceits returns. The fund aims to provide consistentlong-term return above the benchmark.

Fund DataInception 15 Apr 2010Fund Size (RM) @ 28 Feb 2011 10,998,268Risk Profile High

270

250

230

210

190

170

150

130

110

90

70

50

Jan-0

0

Jul-00

Jan-0

1

Jul-01

Jan-0

2

Jul-02

Jan-0

3

Jul-03

Jan-0

4

Jul-04

Jan-0

5

Jul-05

Jan-0

6

Jul-06

Jan-0

7

Jul-07

Jan-0

8

Jul-08

Jan-0

9

Jul-09

Jan-1

0

Jul-10

Feb-1

1


Dana Restu Benchmark - FBMS


170

160

150

140

130

120

110

100

Oct-02

Mar-03

Aug-0

3

Jan-0

4

Jun-0

4

Nov-0

4

Apr-05

Sep-0

5

Feb-0

6

Jul-06

Dec-0

6

May-0

7

Oct-07

Mar-08

Aug-0

8

Jan-0

9

Jun-0

9

Nov-0

9

Apr-10

Sep-1

0

Feb-1

1

Performance from 1 November 2002 - 28 February 2011Price (NAV-to-NAV) Performance VS Benchmark

Dana Sejati Benchmark - 12 Mth Mudharabah Deposit


Dana Sejati Performance to 28 February 2011

Dana Restu




Dana Restu 0.2% 3.2% 8.9% 15.2% 7.5% 64.2% 62.0%

Benchmark - FTSE Msia Emas Shariah (FBMS) (0.6%) 1.8% 8.1% 15.8% 0.6% 66.0% 58.8%


Dana Sejati 0.9% 1.4% 2.9% 8.7% 17.3% 38.2% 60.0%

Benchmark (12m Mudharabah Deposit) 0.5% 0.7% 1.4% 2.9% 9.6% 17.9% 26.8%

Investment ObjectiveA fund where 70% to 100% of the investmentinstruments are equities, which may be volatile inthe short term. This fund seeks to provide mediumto long-term capital appreciation. Dana Restu

invests in Shariah-approved securities.Investment StrategyThe fund shall be actively managed, investing inMalaysian Shariah-approved equities with goodfundamentals and growth potential. The Fundaims to provide consistent long-term returnabove the benchmark.

Investment ObjectiveA fund which invests in fixed income securities,for example government and corporate bonds(ranging from 40% to 95%) with the balanceinvested in cash and cash equivalents. This fundseeks to provide consistent return at low levelsof volatility. Dana Sejati invests in Shariah-approved securities.

Investment Strategy

A fund which is actively managed to outperformthe benchmark.

Fund DataInception 31 Oct 2002Fund Size (RM) @ 28 Feb 2011 47,257,402Risk Profile Low

Fund DataInception 1 Jan 2000Fund Size (RM) @ 28 Feb 2011 526,318,721Risk Profile High

10

Oil & Gas23.6%



Cash & Deposits9.6%


Utilities / Infrastructure4.9%

Motor4.4%

Media3.4%

Technology /IT services

3.4%Others11.0%

Oil & Gas22.3%




9.5%

Cash & Deposits9.0%

Utilities / Infrastructure5.9%

Motor5.1%

Conglomerate

4.4%

Technology4.0%

Others11.1%

Government13.8%

Cash & Mudharabah Deposit5.3%

Highway35.8%

Water

19.9%

Power12.4%

Construction6.6%

Property6.2%

Note: This fund is no longer available for new business policies.


11/12

11

Lion UK-I Fund Performance to 28 February 2011

Performance from 1 June 2006 - 28 February 2011Price (NAV-to-NAV) Performance VS Benchmark

130

120

110

100

90

80

70

60

50

Jun-06

Sep-06

Dec-06

Mar-07

Jun-07

Sep-07

Dec-07

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Dec-09

Mar-10

Jun-10

Sep-10

Dec-10

Feb-11

Lion UK-I Fund Benchmark - FTSE 100 Index



Lion US-I Fund



140

130

120

110

100

90

80

70

60

50

40

Jun-06

Sep-06

Dec-06

Mar-07

Jun-07

Sep-07

Dec-07

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Dec-09

Mar-10

Jun-10

Sep-10

Dec-10

Feb-11

Lion US-I Fund Benchmark - S&P 500 Index


Lion AU-I Fund Performance to 28 February 2011


160

150

140

130

120

110

100

90

80

70

60

50

Jun-06

Sep-06

Dec-06

Mar-07

Jun-07

Sep-07

Dec-07

Mar-08

Jun-08

Sep-08

Dec-08

Mar-09

Jun-09

Sep-09

Dec-09

Mar-10

Jun-10

Sep-10

Dec-10

Feb-11

Lion AU-I Fund Benchmark - S&P / ASX 200 Index



Lion UK-I Fund (MYR) 4.7% 7.5% 14.8% 7.3% (9.4%) (13.7%)

Benchmark - FTSE 100 Index (GBP) 1.6% 8.4% 14.7% 11.9% 0.5% 2.8%

Benchmark* - FTSE 100 Index (MYR) 5.4% 9.2% 17.7% 7.1% (21.6%) (25.0%)


Lion US-I Fund (MYR) 3.9% 6.5% 19.3% 6.9% (5.5%) (10.3%)

Benchmark - S&P 500 Index (USD) 5.5% 12.4% 26.5% 20.2% (3.0%) 4.5%

Benchmark* - S&P 500 Index (MYR) 5.1% 8.4% 22.5% 7.7% (7.6%) (13.2%)

* Adjusted internal ly to MYR using point to point end of day currency rates source from Bloomberg. This is not independently veri fied.Bloomberg source: S&P 500 Index - NYSE, AMEX and NASDAQ.

* Adjusted internal ly to MYR using point to point end of day currency rates source from Bloomberg. This is not independently veri fied.Source: Bloomberg - FTSE 100 Index - London Stock Exchange.


Lion AU-I Fund (MYR) 0.0% 6.9% 22.0% 10.0% (2.2%) 15.7%

Benchmark - S&P / ASX 200 Index (AUD) 1.8% 5.4% 9.7% 4.2% (14.5%) (4.8%)

Benchmark* - S&P / ASX 200 Index (MYR) 0.9% 8.0% 21.5% 6.3% (12.4%) 8.3%

* Adjusted internal ly to MYR using point to point end of day currency rates source from Bloomberg. This is not independently veri fied.Source: Bloomberg - S&P/ ASX 200 Index - Australian Securities Exchange.

Investment ObjectiveA fund which is passively managed and aimsto track the performance of FTSE100 overthe medium to long term (indexing strategy),which may be volatile in the short term.This fund seeks to provide medium tolong-term capital appreciation.

Investment StrategyThe fund shall be passively managed, investingin a foreign Exchange Traded Fund (ETF)that tracks the performance of FTSE100 Index.

Investment ObjectiveA fund which is passively managed and aimsto track the performance of S&P500 overthe medium to long term (indexing strategy),which may be volatile in the short term.

This fund seeks to provide medium tolong-term capital appreciation.

Investment StrategyThe fund shall be passively managed, investingin a foreign Exchange Traded Fund (ETF) thattracks the performance of the S&P500 Index.

Investment ObjectiveA fund which is passively managed and aimsto track the performance of S&P/ASX200 overthe medium to long term (indexing strategy),which may be volatile in the short term.This fund seeks to provide medium tolong-term capital appreciation.

Investment Strategy

The fund shall be passively managed, investingin a foreign Exchange Traded Fund (ETF) thattracks the performance of the S&P/ASX200 Index.

Fund DataInception 1 Jun 2006Fund Size (RM) @ 28 Feb 2011 10,551,686Risk Profile High



Cash in Hand2.8%

ISHARES PLC - ISHARES FTSE 10097.2%

Cash in Hand2.4%

SPDR TRUST SERIES 1 S&P 50097.6%

Cash in Hand

8.3%

SPDR - S&P/ASX 200

91.7%


12/12

Anyone who wants insurance coverage and a savings plan. Many people purchase endowment plans that maturewhen they reach retirement age to supplement their income.

Aquickguideto

endowmentplans.

Endowment plan? Whats that?An endowment plan provides life insurance coverage over aspecified period of time, for instance, 20 years. At the endof this period, the policy matures and youll receive a lumpsum payment in addition to any other bonuses orguaranteed additions due to you. You can also cash it in atany time and receive a surrender value depending on howmuch youve invested in the plan.

Who should get an endowment plan?

For one, endowment plans are long-term savings plans that act as a formof forced savings because a fixed amount is paid for premiums on aregular basis. This ensures that money is saved instead of spent on otherthings. Plus, additional bonuses that come with endowment plans mayhelp increase the maturity benefit, leading to a bigger payout at the endof the policy term.

How does an endowmentplan boost my savings?

Why should I get anendowment plan insteadof regular insurance?

What types of endowmentplans are there?

Regular insurance plans focus on protecting you against lifes

unexpected events, while endowment plans are meant to providebasic insurance coverage combined with a savings element.Endowment plans are best for those who want a form of regularsavings with the potential for higher returns than conventional savings.

Find out more about endowment plans from Great Eastern bycalling 1300 1300 38, logging on to www.lifeisgreat.com.my orspeaking to your friendly Great Eastern Life Planning Advisor.

There are various types of endowment plans that youcan choose from to suit your budget and needs. Broadlyspeaking, here are a few common ones in the market:

Endowment Plan With Survival BenefitsThese plans usually offer a survival benefit in the formof guaranteed cash payments over the policy term. Thesepayments are usually equivalent to a percentage of thebasic sum assured of the policy, and paid out at regularintervals (eg. annually). On top of that, you may alsoreceive cash bonuses if the Company performs well. Thebasic sum assured is paid out upon maturity of the policy.

Normal Endowment PlanThese plans are similar to endowment plans with survivalbenefits, without the guaranteed cash payment feature.As such, they are suitable for those looking for a moreaffordable plan that offers both protection and savings.

Investment-Linked Endowment PlanPremiums are invested in unit funds, and the total investmentvalue of the policy depends on the current value of the unitsin the policy. Typically, the total investment value is paid outwhen the policy matures.

Understanding Insurance

great eastern financial planning & you

Documents