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UNIT TRUST BOOKLET INFORMATIONFAMILY FUNDS

BIMB INVEST FAMILY OF FUNDS

• ASBIDANAAL-FAKHIM• ASBIDANAAL-MUNSIF• ASBIDANAAL-FALAH• BIMBiGROWTH• BIMBiDIVIDENDFUND

3

ASBI DANA AL-FAKHIM

OBJECTIVETheprincipal investmentobjectiveof theFund is toprovidea regularincomestream to theUnitHolders through investmentprimarily inSukuk/IslamicBondsandotherIslamicmoneymarketinstruments.Accordingly,all or substantiallyall, of theFund’s investment incomemaybedistributedtoUnitHolders.

Note :Anymaterial change to the investment objective of the FundwouldrequireUnitHolders’approvals.

FUND INFORMATION

DETAILS

FundCategory Bond

FundType Income

InvestorProfileSuitableforinvestorswho:• Preferannualincome• Havelowrisktolerance

InvestorRiskProfile

Low

InvestmentPolicy&Strategy

InlinewiththeobjectiveoftheFundtoprovideannualincome to the investorsandat the same timeaim toachieve moderate stability in the investors’ principalinvestment,theFundwouldinvestupto90%ofitsNetAsset Value (NAV) in Islamic debt securities such asgovernmentSukukandcorporateIslamicdebtsecuritieswhicharerelativelysecureandhavereasonablerisktolerance.Theremainingwouldbeinvestedin Islamicmoneymarketinstruments.

AssetAllocation

• Islamicdebtsecurities:70%-90%•Moneymarketinstruments&cash:10%-30%The Manager may, in response to adverse market,economic, political and any other conditions, adopt atemporarydefensivestrategybymaintaininghigherliquidasset/cash portions.When this happens, the AssetAllocationoftheFundwillbealterednecessarily.

DistributionPolicyTheFundintendstopayoutallorsubstantiallyallofitsinvestmentincomeeachyeartoUnitHolders.

FinancialYearEnd 31August

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ASBI DANA AL-MUNSIF

OBJECTIVETheprincipalinvestmentobjectiveoftheFundistoprovideasteadyandconsistentincomeandcapitalappreciationoftheUnitsoverthemediumtolongtermperiod.Accordingly,returnsshallbeintheformoflongtermcapitalgrowthandregularincomedistributiontotheUnitHolders.


FUND INFORMATION

DETAILS

FundCategory Balanced

FundType Incomeandgrowth

InvestorProfileSuitableforinvestorswho:• Seekasteadyincomeandcapitalappreciation• Havemediumtolongtermhorizon

InvestorRiskProfile

Moderate


Tomeettheinvestmentobjectives,theFundmayfocuson well-established blue chip companies that couldpotentially pay sustainable dividends and have betterprospectsforearningsgrowth.TheFundmayalsoinvestin small and medium sized companies that couldpotentially embark on dividend payments. Theseinvestments are to provide high income-flow to theFundforpotentialincomedistributiontoUnitHolders.

Meanwhile,theinvestmentsinSukuk/IslamicBondareparticularlyforthepurposeofgeneratingtherecurringincomefromexpectedregularannualprofitpaymentoraccrualincomes.

AssetAllocation

• Equity:40%-60%• Islamicdebtsecurities&cash:40%-60%The Manager may, in response to adverse market,economic, political and any other conditions, adopt atemporarydefensivestrategybymaintaininghigherliquidasset/cashportions.Whenthishappens,theAssetAllocationoftheFundwillbealterednecessarily.

DistributionPolicyTheFundintendstopayoutannualincomedistributiontoUnitHoldersifsufficientinvestmentincomehasbeenaccumulatedduringtheyear.


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ASBI DANA AL-FALAH

OBJECTIVETheprincipalinvestmentobjectiveoftheFundistoachievelongtermcapitalappreciationoftheUnitsbyinvestinginadiversifiedportfolioofequities, Sukuk/ IslamicBond andmoneymarket instruments.Accordingly,allinvestmentincome(ifany)shallbereinvestedforlongtermcapitalgrowthratherthandistributedannually.


FUND INFORMATION

DETAILS

FundCategory MixedAssets

FundType Growth

InvestorProfileSuitableforinvestorswho:• Seekmoderatetohighcapitalappreciation• Havemediumtolongtermhorizon

InvestorRiskProfile

Moderatetohigh


Tomeettheobjective,equityinvestmentwillrepresentadominantpartoftheportfolio(upto70%oftheFund’sNAV). Themain focus of the Fund would be theaccumulation of stocks relating to companies whichmay potentially be able to achieve above averageearningsgrowthinthemediumtolongterm.

AssetAllocation

• Equity:30%-70%• Islamicdebtsecurities&cash:30%-70%The Manager may, in response to adverse market,economic, political and any other conditions, adopt atemporarydefensivestrategybymaintaininghigherliquid asset/cash portions.When this happens, theAssetAllocationoftheFundwillbealterednecessarily.

DistributionPolicyDistribution income (if any) shall be reinvested forlong-termcapitalgrowth.


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BIMB i GROWTH

OBJECTIVEToprovideamediumandlongtermreturnthroughcapitalappreciationandincomedistribution.


FUND INFORMATION

DETAILS

FundCategory Equity

FundType AggressiveGrowth

InvestorProfile

Suitableforinvestorswho:• Seekcapitalappreciationoverthemediumtolongtermperiod

• Havehighrisktolerance• Havelongterminvestmenthorizon

InvestorRiskProfile

High


Tomeettheinvestmentobjective,theFundmainlyfocusontheequityinvestment(upto90%oftheFund’sNAV)which will comprise a diversified portfolio of bluechip,highgrowthanddividendpayingcompaniesthatarelistedonBURSAMalaysia.

AssetAllocation

• Equity:70%-90%• Islamicdebtsecurities&cash:10%-30%The Manager may, in response to adverse market,economic, political and any other conditions, adopt atemporarydefensivestrategybymaintaininghigherliquidasset/cashportions.Whenthishappens,theAssetAllocationoftheFundwillbealteredaccordingly.

DistributionPolicyTheFundintendstopayoutannualincomedistributiontoUnitHoldersifsufficientinvestmentincomehasbeenaccumulatedduringtheyear.

FinancialYearEnd 30June

7

BIMB i DIVIDEND FUND

OBJECTIVEThisFundaims toprimarilyprovide investorswithacombinationofsteadyandrecurringincomeandcapitalgrowthinthemediumtolongterm through investments in Shariah-compliant dividend yieldingequities,whichhistoricallyofferedsolidperformanceandisgenerallylessvolatilewhencomparedtothebroaderequitymarket.


FUND INFORMATION

DETAILS

FundCategory Equity

FundType IncomeandGrowth

InvestorProfile

Suitableforinvestorswho:•Seek a diversified domestic Shariah-compliantinvestmentportfolio

• Seekasteadyincomeandcapitalappreciation• Havemediumtolongterminvestmenthorizon• HavemoderatetohighrisktoleranceNote:“mediumtolongterm”inthiscontextreferstoaperiodbetween3yearsormore.

InvestorRiskProfile

ModeratetoHigh

Investment Policy&Strategy

ToachievetheFund’sobjective,theFundwillinvestinShariah-compliantportfolioofequitiesandequity-related securitieswith consistent track record ofdividend distribution and potential capital growthoverthemediumtolongterm.

The Fund’smain focus is on income and to a lesserextent,capitalgrowth.

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AssetAllocation

•Minimumof70%-98%oftheFund’sNAVinShariah-compliantequitieslistedonBURSAMalaysiaand

•Minimumof2%-30%oftheFund’sNAVincashandcashequivalent.

TEMPORARY DEFENSIVE POSITIONTo help achieve the Fund’s objective, in the event ofa volatilemarket or any adverse condition that couldaffect the Fund, the Manager may take a temporarydefensive position in attempting to respond to thoseconditions and preserve the long term investmentreturnsoftheFund.

Thisdefensivepositionmaytaketheformofatemporaryreduction in theexposure to the investmentsaffectedbytheadverseconditionsandthereplacementthereofwith investmentswhichtheManagermayconsider topreservethevalueoftheFundalthoughnotnecessarilymeetingentirelytheAssetAllocationoftheFundforatemporaryperiod.Suchdefensivepositionmayalsoinclude increasing the exposure in liquid assets/cashand/orcashequivalentassetstomorethan30%orupto98%oftheFund’sNAV,asthecasemaybe.

DistributionPolicyTheManagerwilldeclareannualdistributions(subjecttotheavailabilityofincome).

FinancialYearEnd

30October

BIMB i DIVIDEND FUND CONTINUE

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TRANSACTION OF UNITS

ASBIDanaAl-Fakhim

ASBIDanaAl-Munsif

ASBIDanaAl-Falah

BIMBiGrowth

BIMBiDividendFund

MinimumInitialInvestment

RM1,000 RM100 RM100 100units RM500

MinimumAdditionalInvestment

RM100 RM10 RM10 100units RM100

Cooling-offPeriod

ACooling-offPeriodofsix(6)BusinessDaysisaccordedtoaninvestorwhoisinvestingwithBIMBInvestforthefirsttime.Duringthecooling-offperiod,theinvestor,uponchanginghismindabouttheunittrustinvestmentthathehasmade,mayproceedtoexercisehisCooling-offRightbysubmittingacooling-offrequesttoBIMBInvest,atthenearestBankIslambranchesorfromourauthorisedIUTAs/UTCs.

Underthecooling-offrequest,therefundforeveryUnitheldbytheinvestorwillbethesumof:-a. ThepriceofaUnitonthedaytheUnitswerepurchased;andb. ThesaleschargeimposedonthedaytheUnitswerepurchased.

RepurchaseofUnits

TherepurchasingofUnitsbytheUnitHolder(s) intheFundiscalculatedattheNAVperUnit.

RepurchaseProceedsPaymentPeriod

Withinten(10)daysofreceiptoftherepurchaserequest.

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FEE & CHARGES

ASBI Dana Al-Fakhim

ASBI DanaAl-Munsif

ASBI DanaAl-Falah

BIMB iGrowth

BIMB iDividend

Fund

Sales Charge

Upto0.25%oftheNAVperunit





Annual Management Fee

0.75%oftheNAVoftheFund





Annual Trustee Fee

0.08%oftheNAVoftheFund,subjecttoaminimumofRM18,000





Repurchase Fee

Nil Nil Nil Nil Nil

Transfer FeeRM3

pertransferRM3

pertransferRM3

pertransferRM3

pertransferRM3

pertransfer

Switching Fee

i. 1stTime : Nilii. 2ndTimeOnwards : RM25pertransaction (SwitchingFeeisexemptedforinvestors havingatotalinvestmentwithBIMB InvestofRM100,000andabove)

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WHERE TO PURCHASE THE UNIT

• AllBankIslamBranches• OtherInstitutionalUnitTrustAgent:-

» IFastCapitalSdnBhd(CompanyNo:782978-H)» PhillipMutualBerhad(CompanyNo:570409-K)» BIMBInvestmentManagementBerhad (CompanyNo:276246-X)» AuthorisedUnitTrustConsultant

ADVANTAGES OF MAKING AN INVESTMENTWITH BANK ISLAM

• Unit trust investment issuitable for investorswhohave low,moderateandhighrisktoleranceandprioritizeincomeandlongtermgrowth.

• Lowminimuminvestmentamount.• Diversificationofinvestmentportfolio.• 100%Shariah-compliantproducts.• Takafulcoveragebenefitincludesfuneralexpensesandbadalhaji.• AdequateretirementincomefromapprovedShariahinvestment.

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EPF MEMBERS’ INVESTMENT SCHEME

YoumayalsowithdrawfromyourEPFAccount1,tobeinvestedinASBIDanaAl-FakhimandASBIDanaAl-Falah(asperrequirementsoftheEPF Members’ Investment Scheme). To apply for withdrawal, youarerequiredtoalsocompletea“Borang KWSP 9N (AHL)”foreachapplicationforwithdrawaltoinvestviatheEPFMembers’InvestmentScheme.

Note:Asat LPD,ASBIDanaAl- FakhimandASBIDanaAl-FalahareapprovedunderEPFInvestmentScheme.

Subscription of InvestmentBasicSavingsisapre-determinedsavingsamountinyourAccount1accordingtoyouragebracketstoenableyoutoachieveaminimumsavings amount of RM120,000.00when you are 55 years old.Thissavingmaynotbewithdrawnuntilyouare55yearsold.

a. MinimuminvestmentisRM1,000.00b. Maximuminvestmentisupto20%ofBasicsavingfromAccount1

(PleasereferBasicSavingTablesasattached)c. Frequencyofinvestment–every3monthsfromthefirsttransfer

dateforinvestmentsd. RelatedDocumentsforsubscription:-

• EPFStatement• “BorangKWSP9N(AHL)”• CopyofIC(Front&Backinthesamepage)

Income DistributionAsforEPFUnitHolders,anyincomedistributionspaidbytheFundswillbeconsideredasEPFSavingsandmustbeautomaticallyreinvestedintoadditionalUnitsoftheFunds.

Redemption of InvestmentFor investmentmade under the EPFMember’s Investment Scheme,repurchase proceedwill be paid out to EPF to credit back intoUnitHolder’sEPFAccount.

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Calculation Examples :-

MemberAges

(Years)

SavingAccount 1

(RM)

Basic Savings

(RM)

Calculation(Saving Account

1 – BasicSaving) x 20%

Member’s Eligibility

A 22 3,000 5,000 -

Membersarenoteligibletoapply.SavinginAccountislessthanBasicSaving.

B 22 9,000 5,000(9,000-5,000)x

20%=RM800

Membersarenoteligibletoapply.EligibilityamountislessthanRM1,000

C 25 22,000 9,000

(22,000-9,000)x20%

=RM2,600

Membersareeligibletoapply.EligibilityminimumamountisRM1,000andmaximumisRM2,600

D 40 42,000 44,000 -

Membersarenoteligibletoapply.SavinginAccountislessthanBasicSaving.

E 45 150,000 64,000

(150,000-64,000)x20%

=RM17,200

Membersareeligibletoapply.EligibilityminimumamountisRM1,000andmaximumisRM17,200

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Basic Savings Schedule in Account 1

AGES(YEARS)

BASIC SAVINGS(RM)

AGES(YEARS)

BASIC SAVINGS(RM)

18 1,000 37 34,000

19 2,000 38 37,000

20 3,000 39 41,000

21 4,000 40 44,000

22 5,000 41 48,000

23 7,000 42 51,000

24 8,000 43 55,000

25 9,000 44 59,000

26 11,000 45 64,000

27 12,000 46 68,000

28 14,000 47 73,000

29 16,000 48 78,000

30 18,000 49 84,000

31 20,000 50 90,000

32 22,000 51 96,000

33 24,000 52 102,000

34 26,000 53 109,000

35 29,000 54 116,000

36 32,000 55 120,000

(Source:http://www.kwsp.gov.my)

15

INVESTMENT TIPS

• The practice of Dollar Cost Averaging (DCA) will own unittrustswithpricesboughtindifferentstagesofamarketcyclethusreducing theaveragecostof their investmentportfolio.Thus during a market upswing, their investments can beproducedecentprofits.WhenDCAispracticed,itreducesthetemptationtomakeonesinglelargepurchaseonsingleFund.

Calculation Example :-

Situation:• CustomerAinvestLumpSumofRM10,000• Customer B invest Monthly of RM2,000 per months but total

amountinvestisRM10,000

a) Customer A - Lump Sum Investment

MonthLump Sum Investment

(RM)

Price Per Unit(RM)

Units Held

July 10,000 0.2859 34,977.25

AssumingCustomerRedeemon:1/1/2011WhereNAV@1/1/2011

0.2989 34,977.25

NetInvestmentReturnon1/1/2011

RM0.2989x34,977.25units=RM10,454.70

b) Customer B - Monthly Investment

MonthMonthly

Investment(RM)

Price Per Unit(RM)

Units Held

July 2,000 0.2859 6,995.45

August 2,000 0.2730 7,326.00

September 2,000 0.2522 7,930.22

October 2,000 0.2550 7,843.14

November 2,000 0.2900 6,896.55

Total 10,000 36,991.36

AssumingCustomerRedeemon:1/1/2011WhereNAV@1/1/2011

0.2989 36,991.36

NetInvestmentReturnon1/1/2011

RM0.2989x36,991.36units=RM11,056.72

(Note:Theabovetableisprovidedforillustrationonlyandisnotaprojectionoffutureevent)

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INVESTMENT TABLE

ALumpSumInvestmentofRM10,000withReturnCompoundedYearly,AccumulatestheAmountIndicatedatTheRespectiveYears.

Annual Return Rate 3% 4% 5% 6% 8% 10% 12% 15% 20%

Number of Accumulation

Years

5 11,593 12,167 12,763 13,382 14,693 16,105 17,623 20,114 24,883

6 11,941 12,653 13,401 14,185 15,869 17,716 19,738 23,131 29,860

7 12,299 13,159 14,071 15,036 17,138 19,487 22,107 26,600 35,832

8 12,668 13,686 14,775 15,938 18,509 21,436 24,760 30,590 42,998

9 13,048 14,233 15,513 16,895 19,990 23,579 27,731 35,179 51,598

10 13,439 14,802 16,289 17,908 21,589 25,937 31,058 40,456 61,917

11 13,842 15,395 17,103 18,983 23,316 28,531 34,785 46,524 74,301

12 14,258 16,010 17,959 20,122 25,182 31,384 38,960 53,503 89,161

13 14,685 16,651 18,856 21,329 27,196 34,523 43,635 61,528 106,993

14 15,126 17,317 19,799 22,609 29,372 37,975 48,871 70,757 128,392

15 15,580 18,009 20,789 23,966 31,722 41,772 54,736 81,371 154,070

16 16,047 18,730 21,829 25,404 34,259 45,950 61,304 93,576 184,884

17 16,528 19,479 22,920 26,928 37,000 50,545 68,660 107,613 221,861

18 17,024 20,258 24,066 28,543 39,960 55,599 76,900 123,755 266,233

19 17,535 21,068 25,270 30,256 43,157 61,159 86,128 142,318 319,480

20 18,061 21,911 26,533 32,071 46,610 67,275 96,463 163,665 383,376

25 20,938 26,658 33,864 42,919 68,485 108,347 170,001 329,190 953,962

30 24,273 32,434 43,219 57,435 100,627 174,494 299,599 662,118 2,373,763

35 28,139 39,461 55,160 76,861 147,853 281,024 527,996 1,331,755 5,906,682

(Note:The above table is provided for illustration only and is not aprojectionoffutureevent)

Investors are adviced to read and understand the contents of theMasterProspectusdated5thNovember2011beforeinvesting.Theprospectushasbeen registered with the Securities Commission (SC), which take noresponsibilityforitscontents.AnyissueofunitstowhichtheMasterProspectus relateswill only bemade on receipt of a form of applicationreferredtointheMasterProspectus.AcopyoftheMasterProspectuscanbeobtainedfromBIMBInvestmentManagementBerhadorfromanyofourauthoriseddistributors.Investorsshouldalsoconsiderthefeesandchargesinvolvedbefore investing.Pricesofunitsand incomedistributionpayable,ifany,maygodownorupandpastperformanceisnoguaranteeoffutureperformance.

TheManagerwishestohighlightthespecificrisksoftheFundarespecificsecurity risk, credit/ default risk, profit rate risk, reclassification ofShariahstatusriskanddividendrisk.TheseriskandothergeneralrisksareeleboratedintheMasterProspectus.

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ASBI DANA AL-FAKHIM

OBJEKTIFObjektif pelaburan utama Dana ini adalah untuk menyediakansatu aliran pendapatan tetap yang berpatutan kepada pelaburmelalui pelaburan terutamanya dalam bon Islam (“sukuk”) daninstrumenkewanganIslam.Sewajarnya,kesemuaatausebahagianbesardaripadapelaburanpendapatandanamungkindiagihkankepadapemegang-pemegangunit.

Nota: Sebarang perubahan kepada objektif pelaburan Dana memerlukan kelulusan daripada pemegang unit.

MAKLUMAT DANA

BUTIRAN

KategoriDana Bon

JenisDana Pendapatan

ProfilPelaburSesuaibagipelaburyang:• Memilihuntukmendapatkanpendapatantahunan•Mempunyairisikotoleransiyangrendah.

ProfilRisikoPelabur

Rendah

Strategi&PolisiPelaburan

Selaras dengan objektif Dana untuk menyediakanpendapatan tahunan kepada para pelabur, dan padamasa yang sama bermatlamat untuk mencapaikestabilan pada tahap sederhana dalam pelaburanutamapelabur,Danaakandilaburkansehingga90%dariNilaiAsetBersih (NAB)didalamSekuritiHutangIslam seperti Sukuk Kerajaan dan Sekuriti HutangKorporat Islam yang selamat dan mempunyaitoleransi risiko yang munasabah. Baki selebihnyaakan dilaburkan di dalam Instrumen pasaran wangIslam.

PeruntukanAset

• SekuritiHutangIslam:70%-90%• InstrumenPasaranWang&Tunai:10%-30%

Pengurusboleh,bertindakbalasterhadappasaranyangburuk, ekonomi, politik, dan keadaan-keadaan lain,dengan mengguna pakai strategi defensif sementaradenganmengekalkantahapkecairantertinggididalambahagianAset/Tunai.Apabilakeadaan iniberlaku,peruntukanasetbagiDanainiakandiubah,jikaperlu.

PolisiAgihanDana bercadang untuk membayar semua atausebahagianbesardaripadapendapatanpelaburansetiaptahunkepadaPemegangUnit.

TahunKewanganBerakhir

31Ogos

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ASBI DANA AL-MUNSIF

OBJEKTIFObjektifpelaburanutamaDanainiadalahuntukmenyediakanpendapatanyangkonsistendankenaikanmodaluntukjangkamasasederhanadanpanjangkepadapelabur.Sewajarnya,pulanganadalahdalambentukpertumbuhanmodaljangkapanjangdanpengagihanpendapatanyanglazimkepadapemegang-pemegangunit.

Nota : Sebarang perubahan kepada objektif pelaburan Dana memerlukan kelulusan daripada pemegang unit.

MAKLUMAT DANA

BUTIRAN

KategoriDana Imbangan

JenisDana PendapatandanPertumbuhan

ProfilPelabur

Sesuaibagipelaburyang:• Ingin memperolehi pendapatan yang stabil danpeningkatanmodal

•Dan mempunyai minat terhadap jangkamasasederhanasehinggajangkamasapanjang

ProfilRisikoPelabur

Sederhana

Strategi & PolisiPelaburan

Untuk mencapai objektif pelaburan, Dana memberitumpuankepadasyarikat-syarikatkukuhyangberpotensiuntuk membayar dividen yang berterusan danmempunyai prospek pertumbuhan pendapatanyang lebih baik. Dana juga boleh melabur dalamsyarikat-syarikat bersaiz kecil dan sederhana yangberpotensimemulakanpembayarandividen.Pelaburanini adalah untuk menyediakan aliran pendapatanyangtinggikepadaDanasebagaiagihanpendapatanyangberpotensikepadapemegangunit.

Sementara itu, pelaburandalamSukuk/Bon Islamadalah untuk tujuanmenjana pendapatan berulangdaripada jangkaan tetap pembayaran keuntungantahunanataupendapatanterakru.

PeruntukanAset

• Ekuiti:40%-60%• SekuritiHutangIslam&Tunai:40%-60%

Pengurus boleh, bertindak balas terhadap pasaran yangburuk,ekonomi,politik,dankeadaan-keadaanlain,denganmengguna pakai strategi defensif sementara denganmengekalkan tahap kecairan tertinggi dalam bahagianAset/Tunai.Apabilakeadaaniniberlaku,peruntukanasetbagiDanainiakandiubah,jikaperlu.

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PolisiAgihan

Dana ini berhasrat untuk membayar pengagihanpendapatandanakepadapemegang-pemegangunit jikapendapatan pelaburanmencukupi telah terkumpul dalamtahuntersebut.


31Ogos

20

ASBI DANA AL-FALAH

OBJEKTIFObjektifpelaburanutamaDanainiadalahuntukmenyediakanpulanganjangkamasapanjangmelaluipeningkatanhargadenganmelaburdalamkepelbagaianportfolioyangterdiridaripadaekuiti,bondan instrumenpasaranwang.Sewajarnya,kesemuapendapatan(sekiranyaada)akandilabur semula untuk pertumbuhan modal jangkamasa panjangberbandingdenganpengagihantahunan.


MAKLUMAT DANA

BUTIRAN

KategoriDana AsetCampuran

JenisDana Pertumbuhan

ProfilPelabur

Sesuaibagipelaburyang:• Inginmemperolehipeningkatanmodalyangsederhanahinggatinggi

• Danmempunyaiminatterhadappelaburanjangkamasasederhanahinggajangkamasapanjang.

ProfilRisikoPelabur

Sederhanasehinggatinggi


Untukmencapaiobjektif,pelaburandalamekuitiakanmewakili sebahagian besar portfolio (sehingga 70%daripada NAB Dana). Fokus utama Dana adalahpengumpulan stok yang berkaitan dengan syarikat-syarikat yang berpotensi untuk mencapai puratapertumbuhanpendapatandalamjangkamasasederhanadanjangkamasapanjang.

PeruntukanAset


Pengurusboleh,bertindakbalasterhadappasaranyangburuk, ekonomi, politik, dan keadaan-keadaan lain,dengan mengguna pakai strategi defensif sementaradengan mengekalkan tahap kecairan tertinggi dalambahagian Aset/ Tunai. Apabila keadaan ini berlaku,peruntukanasetbagiDanainiakandiubah,jikaperlu.

PolisiAgihanPengagihanpendapatan(sekiranyaada)akandilaburkansemulauntukpertumbuhanmodaljangkamasapanjang.


31Ogos

21

BIMB i GROWTH

OBJEKTIFUntukmemperolehi pulangan jangkamasa sederhana dan panjangmelaluipeningkatanhargadanpengagihanpendapatan.

Nota: Sebarang perubahan kepada objektif pelaburan Dana memerlukan kelulusan daripada Pemegang Unit.

MAKLUMAT DANA

BUTIRAN

KategoriDana Ekuiti

JenisDana PertumbuhanAgresif

ProfilPelabur

Sesuaibagipelabur:• Inginmemperolehipeningkatanmodal sederhanasehinggatinggi

•mempunyaitoleransirisikoyangtinggi•mempunyai minat terhadap pelaburan jangkapanjang

ProfilRisikoPelabur

Tinggi


Untukmemenuhiobjektifpelaburan,fokusutamaDanaadalahterhadappelaburanekuiti(sehingga90%daripadaNAB Dana) yang terdiri daripada pelbagai portfoliosyarikat-syarikatkukuh,pertumbuhanyangtinggidansyarikat-syarikatyangmembayardividenyang tersenaraidiBURSAMalaysia.

PeruntukanAset


Pengurusboleh,bertindakbalasterhadappasaranyangburuk, ekonomi, politik, dan keadaan-keadaan lain,dengan mengguna pakai strategi defensif sementaradengan mengekalkan tahap kecairan tertinggi dalambahagian Aset/ Tunai. Apabila keadaan ini berlaku,peruntukanasetbagiDanainiakandiubah,jikaperlu.

PolisiAgihan

Dana ini bertujuan untuk membayar pengagihanpendapatan tahunan kepada pemegang unit sekiranyapendapatanpelaburandi kumpul telahmencukupidalamtahuntersebut.


30Jun

22

BIMB i DIVIDEND FUND

OBJEKTIFTujuan utama Dana ini adalah untuk menyediakan pelabur dengankombinasipendapatantetapdanberulangsertapertumbuhanmodaldalamjangkamasasederhanasehinggajangkamasapanjangmelaluipelaburan dalamdividen ekuiti patuh syariah, yangmanamengikutsejarahmenawarkanprestasiyangkukuhdansecaraamnyakurangterancamberbandingpasaranekuitiyanglebihluas.


MAKLUMAT DANA

BUTIRAN

KategoriDana Ekuiti

JenisDana PendapatandanPertumbuhan

ProfilPelabur

Sesuaibagipelaburyang:• Ingin mencari kepelbagaian portfolio pelaburan yangmematuhisyariah

• Inginmemperolehipendapatantetapdanpertumbuhanmodal

•Mempunyai minat terhadap pelaburan dalamjangkamasasederhanasehinggajangkamasapanjang.

• Mempunyaitoleransirisikosederhanadantinggi

Nota: “jangkamasa sederhana sehingga jangkamasapanjang”dalamhalinimerujukkepadatempohantara3tahunataulebih.

ProfilRisikoPelabur

Sederhanaketinggi

PolisiPelaburan&Strategi

Untukmencapai objektif Dana, Dana akan dilaburkankedalamportfolioekuitiyangmematuhiprinsip-prinsipsyariahdansekuritiberkaitanekuiti yangmempunyairekod pencapaian konsisten dari segi penawaranpengagihan dividen dan potensi pertumbuhan modaldalamjangkamasasederhanahinggajangkamasapanjang.

Fokus utamaDana adalah ke atas pendapatan danpertumbuhanmodal.

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PeruntukanAset

•Minimum70%-98%daripadaNABDanaakandilaburkandalamekuitipatuhsyariahyangtersenaraidalamBURSAMalaysiadan

•Minimum 2% - 30% daripada NAB Dana akandilaburkandalamTunaidanbersamaantunai.

POSISI PENAHANAN SEMENTARAUntukmencapaiobjektifDana,ketikapasarantidakmenentu atau mana-mana keadaan buruk yangmenjejaskan Dana, Pengurus boleh mengambil satulangkahposisi penahanan sementarauntukbertindakbalasterhadapkondisidanmemeliharapulanganjangkapanjangDanatersebut.

Kedudukan defensif boleh diambil dalam bentukpengurangan sementara terhadap pendedahankepada pelaburan yang terjejas disebabkan keadaanyang buruk danmenggantikan pelaburan yang bolehmengekalkan nilai Dana mengikut pertimbanganPengurus,Dana tersebut tidak semestinyamemenuhiperuntukanasetDanasepenuhnyauntuk jangkamasasementara.Kedudukanpenahanantersebutjugamungkintermasuk peningkatan pendedahan terhadap asetmudahcair/ tunaidan/ataubersamaan tunaikepadalebihdaripada30%atausehingga98%daripadaNABDanamengikutmana-manayangbersesuaian.

PolisiAgihanPengurusDanaakanmembuatagihantahunan(tertaklukkepadaperihalpendapatandiperolehi.)


30Oktober

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URUSNIAGA UNIT-UNIT

ASBI Dana Al-Fakhim

ASBI Dana Al-Munsif

ASBI Dana Al-Falah

BIMB i Growth

BIMB iDividend

Fund

Pelaburan Permulaan Minimum

RM1,000 RM100 RM100 100unit RM500

Pelaburan Tambahan Minimum

RM100 RM10 RM10 100unit RM100

Tempoh Bertenang

TempohbertenangselamaEnam(6)HariPerniagaanakandiberikankepadapelaburyangmelaburdenganBIMBInvestuntukkalipertama.Dalamtempohbertenang,sekiranyapelaburmengubahfikiranterhadappelaburanunitamanahyangdilakukan,pelaburbolehmemohonhakdidalamtempohbertenang denganmenghantar permohonan tersebut kepada pihakBIMBInvest,mana-manacawanganBankIslamterdekatataupejabatInstitusi, Penasihat Unit Amanah (IUTA)/ Perunding Unit Amanahyangdibenarkan.

DidalamPermohonanBertenangini,pembayaranbalikuntuksetiapunityangdipegangolehpelaburdikiramengikut:-a. Hargaunitpadahariunitdibeli;danb. YuranPerkhidmatanyangdikenakansewaktupembeliandibuat.

Penebusan Unit

Penebusan Unit oleh pemegang-pemegang unit dikiramengikut NilaiAsetBersihseunit.

Tempoh Pembayaran Penebusan Unit

Dalamtempohsepuluh(10)haridari tarikhpenerimaanpermohonanpenebusan.

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YURAN & BAYARAN

ASBI Dana Al-Fakhim

ASBI DanaAl-Munsif

ASBI DanaAl-Falah

BIMB iGrowth

BIMB iDividend

Fund

YuranPerkhidmatan

Sehingga0.25%daripadaNABseunit





Yuran Tahunan Pengurus

0.75%dariNABDana

1.50%dariNABDana

1.50%dariNABDana

1.50%dariNABDana

1.50%dariNABDana

YuranTahunan Amanah

0.08%dariNABDana,tertaklukkepadayuranminimumRM18,000





Yuran Belian Balik

Tiada Tiada Tiada Tiada Tiada

YuranPemindahan

RM3sekali

pemindahan

RM3sekali

pemindahan

RM3sekali

pemindahan

RM3sekali

pemindahan

RM3sekali

pemindahan

YuranPenukaran

i. KaliPertama : Tiadaii. Kalikedua&Seterusnya: RM25pertransaksi (Yuranpenukarandikecualikan kepadapelaburyangmempunyai jumlahpelaburanmelebihi RM100,000dankeatas)

*NAB=NilaiAsetBersih

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DI MANA TRANSAKSI BOLEH DILAKUKAN

• SemuaCawanganBankIslam• InstitusiPenasihatUnitAmanah(IUTA):-

» IFastCapitalSdnBhd(No.Syarikat:782978-H)» PhillipMutualBerhad(No.Syarikat:570409-K)» BIMBInvestmentManagementBerhad (No.Syarikat:276246-X)» PerundingUnitAmanahyangDibenarkan

KELEBIHAN MEMBUAT PELABURANBERSAMA BANK ISLAM

• PelaburanUnitAmanahsesuaiuntukpelaburyangmempunyaitahap toleransi yang rendah, sederhana dan tinggi sertamengutamakanpendapatandanpertumbuhanjangkapanjang.

• Pelaburanpermulaanyangrendah• Kepelbagaianportfoliopelaburan• 100%produkpatuhsyariah.• Kelebihan perlindungan takaful termasuk perbelanjaan

pengkebumiandanBadalHaji.• Pendapatanbagipersaraanyangmencukupidaripadapelaburan

yangdiluluskanolehsyariah.

SKIM PELABURAN AHLI KWSP

AndajugabolehmengeluarkanwangdariAkaun1KWSPuntukmelaburdi dalam ASBI Dana Al-Fakhim dan ASBI Dana Al-Falah (seperti didalam tuntutan SkimPelaburanAhli KWSP). Bagi pelaburanmelaluiSkimPelaburanAhliKWSP,andaperlumemohonpengeluarandenganmelengkapkan Borang KWSP 9N (AHL) bagi setiap kali permohonanpengeluaranuntukpembelianpelaburan.

Nota:PadatarikhLPD,ASBIDanaAl-FakhimdanASBIDanaAl-FalahtelahdiluluskandibawahSkimPelaburanAhliKWSP.

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Permohonan PelaburanSimpananAsasditentukan terlebihdahulumelalui jumlahsimpanandalam Akaun 1 mengikut umur anda bagi membolehkan andamencapaijumlahsimpananminimumRM120,000.00apabilamencapaiumur55tahun.Simpananinitidakbolehdikeluarkansehinggaumuranda55tahun.

a. PelaburanminimumsebanyakRM1,000.00b. Pelaburan maksimum sehingga 20% daripada simpanan asas

dariAkaun1(silarujukJadualSimpananAsassepertidilampirkan)c. KekerapanPelaburan– setiap3bulandari tarikhpemindahan

pertamapelaburan.d. Dokumenyangdiperlukan:-

• PenyataKWSP• BorangKWSP9N(AHL)• SalinanKadPengenalan (Depan&Belakangdalammuka

suratyangsama)

Pengagihan PendapatanBagi pemegang unit KWSP, sebarang pengagihan pendapatan yangdibayarolehDanaakandianggapsebagaisimpananKWSPdansecaraautomatikakandilaburkansemulakedalamunittambahanDana.

Belian Balik PelaburanBagipelaburanyangdibuatdibawahSkimPelaburanAhliKWSP,belianbalikpelaburanakandibayarkepadaKWSPdenganmengkreditakaunKWSPPelabur.

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Contoh Pengiraan:-

AhliUmur

(Tahun)

SimpananAkaun 1

(RM)

Simpanan Asas (RM)

Pengiraan(Simpanan Akaun

1 – Simpanan Asas) x 20%

Kelayakan Ahli

A 22 3,000 5,000 -

Ahlitidaklayakmemohon.SimpanandiAkaunadalahkurangdaripadaSimpananAsas.

B 22 9,000 5,000(9,000-5,000)x

20%=RM800

Ahlitidaklayakmemohon.AmaunkelayakanadalahkurangdaripadaRM1,000.

C 25 22,000 9,000(22,000-9,000)x

20%=RM2,600

Ahlilayakmemohon.AmaunkelayakanminimumadalahRM1,000danmaksimumRM2,600.

D 40 42,000 44,000 -

Ahlitidaklayakmemohon.SimpanandiAkaunadalahkurangdaripadaSimpananAsas.

E 45 150,000 64,000(150,000-64,000)

x20%=RM17,200

Ahlilayakmemohon.AmaunkelayakanminimumadalahRM1,000danmaksimumRM17,200

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Jumlah Simpanan Asas Dalam Akaun 1

UMUR(TAHUN)

SIMPANAN ASAS(RM)

UMUR(TAHUN)

SIMPANAN ASAS(RM)

18 1,000 37 34,000

19 2,000 38 37,000

20 3,000 39 41,000

21 4,000 40 44,000

22 5,000 41 48,000

23 7,000 42 51,000

24 8,000 43 55,000

25 9,000 44 59,000

26 11,000 45 64,000

27 12,000 46 68,000

28 14,000 47 73,000

29 16,000 48 78,000

30 18,000 49 84,000

31 20,000 50 90,000

32 22,000 51 96,000

33 24,000 52 102,000

34 26,000 53 109,000

35 29,000 54 116,000

36 32,000 55 120,000

(Sumber:http://www.kwsp.gov.my)

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TIPS PELABURAN

• Amalan Purata Kos Dolar (DCA)membolehkan andamemilikiunit amanah dengan pelbagai peringkat harga dan kitaranpasaran yang dapat mengurangkan kos purata daripadaportfolio pelaburan anda. Oleh yang demikian, pada masapasaranmeningkatnaik,pelaburanandadapatmenghasilkankeuntungan.ApabilaDCAdiamalkan,iadapatmengurangkankeinginan untuk membuat belian dalam jumlah yang besaruntuksatu-satuDana.

Contoh Pengiraan:-

Situasi:• PelangganAmelabursekaligussebanyakRM10,000• PelangganBmelabursecarabulanansebanyakRM2,000sebulan

danjumlahpelaburannyaRM10,000

a) Pelanggan A – Pelaburan Sekali Gus

BulanPelaburan Sekali Gus

(RM)

Harga seunit(RM)

Unit Dipegang

Julai 10,000 0.2859 34,977.25

AnggarkanPelangganMembuatBelianbalikpada:1/1/2011DimanaNAB@1/1/2011

0.2989 34,977.25

PulanganBersihPelaburanpada1/1/2011

RM0.2989x34,977.25unit=RM10,454.70

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b) Pelanggan B – Pelaburan Bulanan

BulanPelaburan Bulanan

Harga seunit Unit Dipegang

Julai 2,000 0.2859 6,995.45

Ogos 2,000 0.2730 7,326.00

September 2,000 0.2522 7,930.22

Oktober 2,000 0.2550 7,843.14

November 2,000 0.2900 6,896.55

Jumlah 10,000 36,991.36

AnggarkanPelanggan

MembuatBelianbalikpada:1/1/2011

DimanaNAB@1/1/2011

0.2989 36,991.36

PulanganBersihPelaburanpada1/1/2011

RM0.2989x36,991.36unit=RM11,056.72

(Nota:Jadualyangdisediakandiatasadalahilustrasisahajadanbukananggaranbagimasaakandatang)

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JADUAL PELABURAN

PelaburanSekaliGussebanyakRM10,000denganPulangantahunanterkumpul,Amaunterkumpuldinyatakanpadatahunmasing-masing.

Kadar Pulangan Tahunan

3% 4% 5% 6% 8% 10% 12% 15% 20%

Bilangan Tahun

Pengumpulan

5 11,593 12,167 12,763 13,382 14,693 16,105 17,623 20,114 24,883

6 11,941 12,653 13,401 14,185 15,869 17,716 19,738 23,131 29,860

7 12,299 13,159 14,071 15,036 17,138 19,487 22,107 26,600 35,832

8 12,668 13,686 14,775 15,938 18,509 21,436 24,760 30,590 42,998

9 13,048 14,233 15,513 16,895 19,990 23,579 27,731 35,179 51,598

10 13,439 14,802 16,289 17,908 21,589 25,937 31,058 40,456 61,917

11 13,842 15,395 17,103 18,983 23,316 28,531 34,785 46,524 74,301

12 14,258 16,010 17,959 20,122 25,182 31,384 38,960 53,503 89,161

13 14,685 16,651 18,856 21,329 27,196 34,523 43,635 61,528 106,993

14 15,126 17,317 19,799 22,609 29,372 37,975 48,871 70,757 128,392

15 15,580 18,009 20,789 23,966 31,722 41,772 54,736 81,371 154,070

16 16,047 18,730 21,829 25,404 34,259 45,950 61,304 93,576 184,884

17 16,528 19,479 22,920 26,928 37,000 50,545 68,660 107,613 221,861

18 17,024 20,258 24,066 28,543 39,960 55,599 76,900 123,755 266,233

19 17,535 21,068 25,270 30,256 43,157 61,159 86,128 142,318 319,480

20 18,061 21,911 26,533 32,071 46,610 67,275 96,463 163,665 383,376

25 20,938 26,658 33,864 42,919 68,485 108,347 170,001 329,190 953,962

30 24,273 32,434 43,219 57,435 100,627 174,494 299,599 662,118 2,373,763

35 28,139 39,461 55,160 76,861 147,853 281,024 527,996 1,331,755 5,906,682

(Nota:Jadualyangdisediakandiatasadalahilustrasisahajadanbukananggaranbagimasaakandatang)

PelaburdinasihatkanuntukmembacadanmemahamikandunganProspektusUtama yangbertarikh5November2011 sebelummelabur. Prospektustersebut telah didaftarkan dengan Suruhanjaya Sekuriti (SC), yang manatidak bertanggungjawab ke atas kandungannya.Mana-mana terbitan unityang berkaitan denganProspektusUtamahanya akan dibuat apabilamenerima borang permohonan yang disebut dalam Prospektus Utama.SalinanProspektusUtamabolehdidapatidaripadapihakBIMBInvestmentManagementBerhadataudaripadamana-manapengedarsahkami.Pelaburjuga perlumengambil kira yuran dan caj yang terlibat sebelummelabur.Harga unit dan pengagihan pendapatan yang perlu dibayar, jika ada,berkemungkinan turun dan naik dan prestasi masa lalu tidak menjaminprestasimasahadapan.

Pengurus inginmenekankan risiko khusus Dana seperti risiko sekuritikhusus,risikokredit/kegagalanmembayar,risikokadarkeuntungan,risikopengelasansemulastatussyariahdanrisikodividen.Risikoinidanlain-lainrisikoamtelahdihuraikandidalamProspektusUtama.

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Nota :

34

Nota :

36

19thFloor,MenaraBankIslam,No.22,JalanPerak,50450KualaLumpur.

Tel:03-21612524/2924

Fax:03-21612464

www.bankislam.com.my

Monday-Friday,8.45am-5.45pm

TollFreeNumber:1-800-88-1196CallCentre:03-26900900