Tuesday, 28 July 2015,   11 Syawal 1436H

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BSN Wealth Management


Easy Access To Your Financial Needs


BSN Wealth Management offers you complete financial planning solutions for every stage in your life. From education planning, retirement planning as well as risk management planning; BSN offers you the financial planning like no other.


We offer you Wealth Protection, Wealth Accumulation and Wealth Distribution in our planning. Now, you can have peace of mind, knowing that everything is in order. Talk to our Personal Financial Executives and we will assist you in charting your financial freedom.

Even better! Your premium/contribution can start from as low as RM9.90


Products & Services


Wealth Protection


»  
Basic

>  Giro Takaful Warisan

What does Giro Takaful Warisan offers?

The Plan That Gives You More Flexibility and Rewards You

Choice of expiry age You can choose your plan to mature at age 80 or 100.
Vary the amount of Takaful protection You have the option to choose from a range of sum covered for death and disability benefit without affecting your contribution amount.
Enhance your child’s Takaful coverage Enhance your basic protection by adding various additional benefits available such as critical illness, medical and contributor benefits.
Build a retirement fund PruBSN’s Shariah-approved Takafulink Dana Urus fund provides a potentially higher return than a banks saving account over the long term.
Fund withdrawal option Make withdrawals to meet your changing needs at any time (minimum withdrawal of RM1,000 and remaining balance after withdrawal is at least RM1,000).
Tax relief This certificate may qualify you up to RM6,000 individual life/medical tax relief a year.
Earn Loyalty Bonus Get a loyalty bonus worth 5% of your yearly protection contributions upon completion of the 10th certificate year, and subsequently every 3 years after that.
Continuous coverage due to loss of job Your coverage continues for up to 6 months when you lose your job and you are unable to pay the regular contributions.
Celebrate your first achievement

Receive RM500 through AchieveFirst Bonus when you accomplish one of the following before you reach 50 years old.

• Buy your first house
• Get married
• When your child is born
• Perform Hajj
• Perform Umrah
• Complete post graduate degree

You can only claim this benefit once.

1. Terms and conditions apply
2. This is the contribution allocated into your Protection Unit Account (PUA)
3. This benefit is applicable for entry age 19 to 25 years old. 

Basic Coverage

Death The sum covered and the remaining value in your account are payable in the event of death.
Total and Permanent Disability (TPD) The sum covered is payable in the event of total and permanent disability before the age of 70 of certificate expiry, whichever is earlier.
Maturity Benefit The remaining value in your account is payable upon maturity.
Surrender The remaining value in your account is payable when you surrender your certificate.

 

>  Giro Takaful Asas

How Giro Takaful Asas helps you?

Financial protection for your family Provide your family with cash if you lose your life, so they can continue their lives without financial worries.
Financial protection for you Provide you with cash if you cannot continue to earn a living due to a total and permanent disability.
Financial protection againts inflation With Giro Takaful Asas, your sum covered increases by 5% every 3 years throughout the duration of the certificate, thus protecting your coverage against inflation.
Leave a legacy for those you love Secure your loved ones againts financial hardship in the event of your demise.
Secure your business continuity Compensate your business partners for your loss.
Minimal contribution for comprehensive benefit Ensure comprehensive financial protection with contribution from as low as RM0.67 a day!
Secure a home for your family Use the cash provided from this plan to pay off your mortgage to secure a home for your family if the unexpected happens to you.
Keep your loved ones secured from financial burdens Your family can use the takaful benefit to settle any outstanding debts.
Additional financial assistance The amount you receive from this plan is additional and on top of the amount payable to you by your employer, if any.

Assumption based on age and plan

 

>  Giro Takaful Premier

How does Giro Takaful Premier helps in taking care your life plans?

Savings & Investment

CashBuilder It provides cash payout every 2 years and the flexibility to increase or decrease the cash payout amount and option to choose wether to receive or accumulate the cash payout for higher cash value. You may also choose to auto-transfer the amount info into Tabung Haji or personal savings accounts.
Investment It helps to optimise your investment via interesting in our Takafulink Funds.

 

Protection

Death or Total and Permanent Disability (TPD) Your nominee or you will receive cash equivalent to your sum covered.
Compassionate Benefit Your family will receive an additional RM2,000 as form of Compassionate Benefit that can be used for funeral or other related expenses.
Badal Hajj

In the event of your passing of suffering from total and permanent disability before you have the opportunity to perform Hajj, we will ensure your Hajj obligation is fulfilled by paying RM3,000 to your nominee or a third party to perform Hajj on behalf of you.

Non-Muslim customers will be entitled for this benefit as an additional Compassionate Benefit.

Double Takaful Benefit The Double Takaful Benefit amount will be payable in the event of death or total and permanent disability (TPD) while performing your Hajj or Umrah.

 

>  Giro Takaful Sejahtera

How Giro Takaful Sejahtera helps you?

Financial support in times of need Provide you with cash if you are diagnosed with one of the covered 36 critical illnesses so you can get the necessary treatment.
Financial protection for your family Provide your family with cash if you lose your life, so they can continue their lives without financial worries.
Financial protection for you Provide you with cash if you cannot continue to earn a living due to a total and permanent disability.
Keep you away from financial stress You do not need to worry about constraints in times of crisis.
Get better medical treatment With a lump sum cash, a superior medical care is just within reach.
Minimal cost with maximum benefit Ensure comprehensive financial protection with contribution from as low as RM0.67 a day!
Secure a home for your family Use the cash provided from this plan to pay off your mortgage to secure a home for your family if the unexpected happens to you.

Assumption based on age and plan

 

>  Don’t Worry

Don’t Worry Life Insurance Package
Solving Life’s Worries

We believe that the secret to a good life is being free – from stress, worry and tension. Quite simply, making life easier makes people happier and their lives better. That is why we bring to you Don’t Worry life insurance package, a practical, easy and affordable insurance package that will suit your every need for a stress-free life.

1. Why Don’t Worry life insurance package?
    Don’t Worry life insurance package turns your worries into security with these benefits.

• Life Protection
  Trust us to take care of your family. In the event that the unexpected happens, a lump sum will be paid.

• Disability
  We reduce the financial burden of your loved ones by paying a lump sum if total disability happens before age of 65.

• Cancer, Heart Attack and Stroke (Optional)
  Should you be diagnosed with 1 of the 3 illnesses (cancer, heart attack and stroke), a lump sum will be paid.

• Savings Benefit (Optional)
  We help lighten the burden of future life expenses with a disciplined savings habit.

2. Who can apply?
    Don’t Worry life insurance package is available to anyone from aged 6 months to 55 years. 

 


»  General Insurance

>  Giro Perlindungan Ragut

PRODUCT SPECIFICATION

A unique Personal Accident plan   – covers all accidental injuries and death and coverage DOUBLE UP if due to Snatch / Robbery.

A CASH BACK 30% of all premiums paid during the 12 month Policy Year (regardless of claim).

No medical underwriting

CHOICE OF PLAN
 Coverage Plan 50  Plan 80 Plan 100   Plan 120  Plan 150  Plan 200
Basic Accident Benefits
Accident Death  RM50,000   RM80,000 RM100,000  RM120,000   RM150,000 RM200,000 
 Accident Hospital Income (up to 730 days)    RM200 per day RM250 per day   
Accident Medical Expenses  RM1,500  RM1,500  RM2,000   RM2,000  RM4,000 RM4,000 
Accident Surgical Expenses  RM1,500   RM1,500 RM2,000   RM2,000 RM4,000  RM4,000 
For ALL accidents arising from Snatch Theft or Robbery, Coverage is DOUBLED
30% Premium Refund Annually (regardless of claims)
Monthly Premium  Plan 50  Plan 80  Plan 100  Plan 120  Plan 150   Plan 200
Main Insured  (inclusive  6% GST)  RM26.50  RM33.92  RM41.34  RM47.70  RM62.54 RM73.14 
Main Insured & Spouse (inclusive 6% GST)  RM50.88  RM64.66  RM77.38 RM90.10   RM119.78 RM143.10 

 

>  Giro Perlindungan Ragut

Perlindungan Tunai – i

The scheme (Certificate) that covers all the account holders of BSN Personal Financing Scheme (BSNPFS) of the insured account holder against:-

• Accidental Death or Permanent Disablement
• Medical Reimbursement for injury due to assault/robbery or attempt/theft
• ATM Cash Withdrawal Protection
• Loss of cash and/or personal valuables due to theft

 

>  BSN Cash Shield

The scheme (Certificate) that covers all the account holders of BSN Personal Financing Scheme (BSNPFS) of the insured account holder against:-

• Accidental Death or Permanent Disablement
• Medical Reimbursement for injury due to assault/robbery or attempt/theft
• ATM Cash Withdrawal Protection
• Loss of cash and/or personal valuables due to theft

 

>  Houseowner Insurance

Houseowner Insurance provides standard home insurance protection that covers the structure of the insured property against

• Fire, lightning, thunderbolt
• Explosion
• Bursting or overflowing of domestic water tanks or pipes
• Theft caused by forcible or violent break-in
• Hurricane, cyclone, typhoon, windstorm
• Earthquake, volcanic eruption
• Flood

 

>  Homeguard Plus

Home Guard PLUS will pay RM 15,000 CASH (lump sum) in the event your home becomes uninhabitable - due to physical damage, temporary relocation ordered by the authorities. This payment is on top of coverage by Houseowners Insurance.

 


»  Education

>  Giro Takaful impian

What does Giro Takaful Impian offers?

The Plan That Provides Security For Your Child and Rewards Excellence

» Choice of expiry age
   You can choose the plan to mature at age 25, 80 or 100.

» Vary the amount of Takaful protection
You have the option to choose from a range of sum covered for death and disability benefit without affecting your contribution amount. 

» Enhance your child’s Takaful coverage
Enhance your child’s basic protection by adding various additional benefits available such as critical illness, medical and contributor benefits. 

» Build an education fund
PruBSN’s Shariah-approved Takafulink Dana Urus fund provides a potentially higher return than a bank saving account over the long term. 

» Fund withdrawal option
Make withdrawals to suit your financial needs at any time (minimum withdrawal of RM1,000 and remaining balance after withdrawal is at least RM1,000) 

» Tax relief
This certificate may qualify you up to RM3,000 educational tax relief a year. 

» Earn Loyalty Bonus
Get a loyalty bonus worth 5% of your yearly protection contributions upon completion of the 10th certificate year, and subsequently every 3 years after that. 

» Award academic excellence
EduSmart Bonus awards your child for his of her academic excellence throughout the schooling years. The higher your contribution into the plan, the higher the award will be.

 Exam  Award (% of yearly protection contribution)  Payout Example (RM) Minimum Achievement 
 UPSR  50%  600  5As
 PMR  100%  1,200  7As
 SPM  150%  1,800  8As
 STPM or STAM  150%  1,800  4As
 Diploma or Degree  200%  2,400  3.5 CGPA or 1st Class

1. Terms and conditions apply.
2. This is the contribution allocated into your Protection Unit Account (PUA)
3. Terms and conditions apply.
4. Based on RM1,200 of yearly protection contribution. 

 

Basic Coverage

» Death
The sum covered and the remaining value in your account are payable in the event of death. 

» Total and Permanent Disability (TPD)
The sum covered is payable when the child is totally and permanently disabled before the age 70 or certificate expiry, whichever is earlier. 

» Benefit below the age of 5
In the event of critical illness, disability or loss of life before the age of 5, a reduced basic sum covered payable will be payable as follows. This is called a juvenile lien.

Age 1 2 3 4 5 & above
Percentage of Basic Sum
Covered Payable
20% 40% 60% 80% 100%

» Maturity Benefit
The remaining value in your account is payable upon maturity. 

» Surrender
The remaining value in your account is payable when you surrender your certificate. 

 


»  Wealth Accumulation

>  BSN Dana Al-Jadid

Fund name BSN Dana Al-Jadid
Fund type / Category: Islamic Malaysian Equity / Growth & Income
Min initial investment: RM500
Investment Objective The Fund aims to achieve capital appreciation and income distribution by investing in equity and equity-related securities that comply with Shariah requirements.
*Note: The primary focus is to offer capital growth.
Approved Fund Size 800 million units
Financial Year End 31 December
Fund Manager Permodalan BSN Berhad
The Trustee Amanah Raya Trustee Berhad
Asset Allocation A minimum of 70% of the NAV of the Fund in Shariah-compliant equities and equity-related securities - 0%-30% of the NAV of the Fund in sukuk and islamic money market instruments.
Distribution Policy Subject to the availability of income, the Manager will distribute income once a year
Benchmark

a) FTSE Bursa Malaysia EMAS Shariah Index (FBMSHA), based on percentage change of FBMSHA for the period under review.

b) If temporary defensive position is applied - 50% FBMSHA + 50% 12-month Maybank GIA Tier II rate. 50% of the benchmark performance is calculated based on the percentage change of the FBMSHA while the other half is based on the yield of 12-month Maybank GIA Tier II rate for the period under review.

Sales Charge per Unit 3.00% of the NAV per Unit
Transfer Fee A fee of Rm10.00 per transfer is imposed on Unit Holders for any requests to transfer Units
Redemption Charge The Manager does not intend to impose any redemption charge
Management Fee 1.50% per annum of the NAV of the Fund calculated and accrued on a daily basis
Trustee Fee 0.08% per annum of the NAV of the Fund subject to a minimum of RM18,000 per annum calculated and accrued on a daily basis (excluding foreign custodian fees and charges, if any)
Minimum Initial Investment RM500
Min.Subsequent Investment RM100

 

>  BSN Dana Dividen AL-Ifrah

Fund name BSN Dana Dividen Al-Ifrah
Fund type / Category: Income / Islamic Equity
Min initial investment: RM500
Investment Objective The Fund seeks to provide consistent income* by investing in Shariah-compliant equities with attractive dividend ** yield and/or potential dividend yield.
*Note:- Distribution of income will be done by way of reinvestment into additional Units.
**Note:- "attractive dividend" refers to stocks of companies which have provided an average gross dividend of at least 3% for the past 3 years from the latest financial year. 
Approved Fund Size 800 million units
Financial Year End 31 December
Fund Manager Permodalan BSN Berhad
The Trustee Amanah Raya Trustee Berhad
Asset Allocation A minimum of 70% of the NAV will be invested in Shariah-compliant equities listed on Bursa Malaysia. The balance of the NAV that is not invested in Shariah-compliant equities listed on Bursa Malaysia will be invested in Islamic money market instruments, Islamic deposits and any other form of short-term investments/instruments which are Shariah-compliant.
Distribution Policy Subject to the availability of income, the Manager will distribute income once a year
Benchmark

FTSE Bursa Malaysia EMAS Shariah Index (FBMSHA) Source : www.bursamalaysia.com

Sales Charge per Unit 4.50% of the NAV per Unit
Transfer Fee A fee of Rm10.00 per transfer is imposed on Unit Holders for any requests to transfer Units
Redemption Charge The Manager does not intend to impose any redemption charge
Management Fee 1.50% per annum of the NAV of the Fund calculated and accrued on a daily basis
Trustee Fee 0.06% per annum of the NAV of the Fund subject to a minimum of RM18,000 per annum calculated and accrued on a daily basis (excluding foreign custodian fees and charges, if any)
Minimum Initial Investment RM500
Min.Subsequent Investment RM100

 

>  Amanah Saham Nasional 3 Imbang (ASN 3)

Fund name AMANAH SAHAM NASIONAL 3 IMBANG (ASN 3)
Fund type / Category: Balanced
Min initial investment: Investment book - 100 units
Investment Objective To generate capital growth over the medium to long-term period by investing in a balanced portfolio of investments and through re-investment of distribution, if any.
Approved Fund Size 1.0 billion units
Financial Year End 30-Nov
Fund Manager Permodalan Nasional Berhad
The Trustee Amanahraya Trustees Berhad
Asset Allocation The Fund will invest up to 75% of its NAV in equities while maintaining at least 25% in other capital market instruments, inclusive of liquid assets.
Distribution Policy The Fund will distribute earnings from its income, if any, at the fund manager's discretion, subject to approval from the Trustee.
Benchmark

50% FBM 100 and 50% 3-month KLIBOR

Sales Charge per Unit 5% of the NAV per unit. (Non EPF)
Transfer Fee Not applicable
Redemption Charge Nil
Management Fee Up to a maximum of 1.5% per annum of the NAV of the Fund, calculated and accrued daily, as may be agreed between the Trustee and Manager.
Trustee Fee RM300,000 or 0.08% per annum of the NAV of the Fund, whichever is lower, calculated and accrued daily.
Minimum Initial Investment Investment book - 100 units
Min.Subsequent Investment Investment book - 1 units

 

>  Amanah Saham Nasional 2 (ASN 2)

Fund name AMANAH SAHAM NASIONAL 2 (ASN 2)
Fund type / Category: Growth
Min initial investment: Investment book - 100 units
Investment Objective To provide Unit holders with a reasonable dividend yield as well as capital appreciation at an acceptable level of risk through investments made in accordance with the Deed, the Guidelines and securities law in a diversified portfolio of securities, principally in Malaysian equity securities.
Approved Fund Size 2.5 billion units
Financial Year End 30-Jun
Fund Manager Permodalan Nasional Berhad
The Trustee Amanahraya Trustees Berhad
Asset Allocation The Fund will invest up to 90% of its NAV in equities, while maintaining at least 10% in other capital market instruments, inclusive of liquid assets.
Distribution Policy The Fund will distribute earnings from its income, if any, at the fund manager's discretion, subject to approval from the Trustee.
Benchmark

80% FBM 100 and 20% 3-month KLIBOR

Sales Charge per Unit 5% of the NAV per unit. (Non EPF)
Transfer Fee Not applicable
Redemption Charge Nil
Management Fee Up to a maximum of 1.0% per annum of the NAV of the Fund, calculated and accrued daily, as may be agreed between the Trustee and Manager.
Trustee Fee RM500,000 or 0.08% per annum of the NAV of the Fund, whichever is lower, calculated and accrued daily.
Minimum Initial Investment Investment book - 100 units
Min.Subsequent Investment Investment book - 100 units

 

>  AmIttikal

Fund name AmIttikal
Fund type / Category: Income and to a lesser extent growth/ Equity (Islamic)
Min initial investment: RM1,000
Investment Objective AmIttikal is designed as a medium to long- term investment with an objective of producing "halal" income and to a lesser extent capital growth.
Approved Fund Size -
Financial Year End 30-Sep
Fund Manager AmInvestment
The Trustee -
Asset Allocation In normal market condition, the Fund may invest 70% to 95% of the NAV in equities while in an adverse market condition; the Fund may invest up to 40% of the NAV in equities.
Distribution Policy Income distribution (if any) is paid at least once every year.
Benchmark

Malayan Banking Berhad 12-months Islamic General Investment Account plus 3% spread.

Sales Charge per Unit Up to 6.00 for cash; up to 3.00 for EPF sales
Transfer Fee Nil
Redemption Charge Nil
Management Fee Al-Mudharabah (profit share) of up to 20% of net realised profit.
Trustee Fee Up to 0.07% p.a. of the NAV of the Fund
Minimum Initial Investment RM1,000
Min.Subsequent Investment RM500

 

>  AmPrecious Metal

Fund name AmPrecious Metal
Fund type / Category: Capital growth/ Feeder (Islamic global equity)
Min initial investment: RM1,000
Investment Objective AmPrecious Metal aims to achieve capital appreciation by investing in a portfolio of global Shariah observant equity-related securities (including, without limitation, depository receipts and convertible securities, but excluding preferred shares, bonds, convertible bonds and warrants) of companies engaged in activities related to gold, silver, platinum or other precious metals.
Approved Fund Size -
Financial Year End 31-May
Fund Manager AmInvestment
The Trustee DTMB
Asset Allocation A minimum of 95% of the Fund's NAV will be invested in the Target Fund while maintaining up to a maximum of 5% of the Fund's NAV in liquid assets. The fund is denominated in RM.
Distribution Policy Income distribution (is any) will be reinvested
Benchmark

FTSE Gold Mines Index

Sales Charge per Unit Up to 5.00 for cash
Transfer Fee Nil
Redemption Charge Nil
Management Fee Up to 1.80% p.a. of the NAV of the Fund
Trustee Fee Up to 0.08% p.a. of the NAV of the Fund
Minimum Initial Investment RM1,000
Min.Subsequent Investment RM500

 

>  AmBond Islam

Fund name AmBond Islam
Fund type / Category: Income/ Bond (Islamic)
Min initial investment: RM1,000
Investment Objective AmBon Islam is a medium to long-term Islamic bond fund that aims to provide a stream of halal income.
Approved Fund Size -
Financial Year End 30-Sep
Fund Manager AmInvestment
The Trustee ART
Asset Allocation Up to 100% of the NAV of the Fund in fixed income securities.
Distribution Policy Income distribution (if any) is paid at least twice every year
Benchmark

RAM Quantshop Medium GII Index

Sales Charge per Unit Nil
Transfer Fee Nil
Redemption Charge Nil
Management Fee Up to 1.00% p.a. of the NAV of the Fund
Trustee Fee Up to 0.07% p.a. of the NAV of the Fund
Minimum Initial Investment RM1,000
Min.Subsequent Investment RM500

 


»  Wealth Distribution

>  Will Writing

Prepare, safe keep and execute Wills for Muslims and Non-Muslims; ensure settlement of estate and distribution of assets are done expeditiously

Telemarketing Products

Provider AIG Gibraltar BSN ETIQA ACE JERNEH
Product BSN 1 Medik BSN 1 Dinamik BSN Warga Emas CashBack Guaranteed Takaful Ihsan Pendapatan BSN Snatch & Financial Protection Plan
Eligibility » Insured or his/her spouse must be 18 years and above and below the age of 61 (as at last birthday).

» Insured or his/her spouse:
Age 18 and above and below 76 (as at last birthday).

» For Children under a family plan:
Financially independent children are eligible for coverage from age 6 months and above and up to 18 years, or up to 25 years old (if they are in full time education).

» Insured or his/her spouse/parents must be 18 years and above and below the age of 75 to qualify for cover which is renewable up to 85 years.(as at last birthday). Insured Age at 16 and above and below 55 (as at last birthday)

» Participant / Participant and Spouse / Participant and Children / Family (Participant, Spouse and Children)

» Entry age minimum 18 years – maximum 60 years on the effective date. Renewable up to maximum 70 years subject to acceptable health condition.

» Malaysian Resident and be between the ages of18 and 70 years on the commencement date.

» Duration of cover is for one year and policy is automatically renewed every year.

Coverage Benefits

» Daily Hospital Income (up to maximum 120 days)

» Daily Intensive Care (maximum up to 30 days )

» Pre and Post Hospitalization Treatment with 30 days prior to admission or after discharge from Hospital

 

Home Nursing following discharge from Hospital (maximum up to 30 days)

» Home Nursing following discharge from Hospital (maximum up to 30 days)

» Add on Benefit:  Surgical Operation Charges (subject to Surgical Schedule)

» Add on Benefit:   Additional Major Surgery (subject to Surgical Schedule)

 

» Accidental Death and Disablement - 24 hours worldwide coverage.

» Additional Lump Sum due to Permanent Total Disablement.

» Daily Hospital Income - for hospital confinement (minimum of 6 consecutive hours) up to a maximum of 120 days due to Accident only.

» Family Income Benefit - free for unlimited number of children, (20% of all the above benefits).

» Accidental Death and Permanent Total Disablement

» Casualty Cash Benefit

» Daily Care Cash Benefit (due to Accident)

» Hospital Relief Cash Benefit (up to max – 200 days due to Accident)

» Add on Benefit: Accidental Medical Reimbursement

 

» Death or total permanent disability due to accident and non-accidental causes

» Pay extra benefit if the death is due to accidental causes

» Double the death benefit cover if accident happened while travelling on a Public Transportation

» Upon maturity at the end of the 10th policy year, 50% of the total premium will be refunded, provided the policy is still active.

» 24 Hours worldwide coverage

» Accidental Death - Lump sum payment for death due to bodily injury sustained within 52 weeks from date of Accident.

» Total Permanent Disability - Initial Cash Payment, Monthly Cash Permanent Disability Benefit (for 5 consecutive years) and Final Cash Payment.

» Medical Expenses

» Daily Hospital Cash Allowance

» Compassionate Cash

» Accidental Death & Permanent Disability

» Accidental Daily Hospital Income (payable up to 365 days)

» Accident Medical / Surgical Expense

» Snatch Theft Benefit

» Settlement of Loan / Utilities (due to PTD arising from accident)

» Emergency Hospital Admission due to accident (reimbursement basis)

» Snatch Theft Inconvenience benefit due to accident (lump sum)


Product Disclosure Sheet Product Disclosure Sheet Product Disclosure Sheet Product Disclosure Sheet Product Disclosure Sheet &Product Disclosure Sheet

Let’s talk to our Specialist’s for more info.