In conjunction with first year anniversary for Max InvestSave, CIMB is having a special promotion which will ends on the 31st December 2009.

For those who are not familiar with Max InvestSave investment, you can find more information in CIMB Max InvestSave Investment Funds.

There are 4 different promotions going on concurrently. They are;

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Malayan Banking Bhd’s has launched a new capital protected investment plan called 1Malaysia Momentum (M3) Structured Deposit. It is a capital-protected investment plan for investors seeking potential gain regardless of the market conditions. The targets fund size is RM100mil. Closing date for the M3 is Dec 31, 2009, or earlier if fully subscribed.

The M3 is a five-year investment product issued by Maybank via floating rate negotiable instruments of deposit (FRNID) that comes with 100% capital protection if the FRNID is held to maturity or autocalled.

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bank islam

Bank Islam Malaysia Bhd launched a new Islamic structured investment product called Ziyad NID-i. This is the second Islamic Structured Investment by Bank Islam Malaysia Berhad. Ziyad NID-i is a 5 year investment in the form of Islamic Negotiable Instruments (INI) based on the concept of Mudharabah Muqayyadah.

Ziyad NID-i is designed for investors who hold the view that Asia’s equity market will recover in the medium-to-long term.

Ziyad NID-i will be invested in a basket of six stocks that are expected to benefit from massive stimulus plans undertaken by various Asian governments. The stocks are China Mobile Ltd and CNOOC Ltd from China, Panasonic Corp, Canon Inc and KDDI Corp from Japan, and Australia’s BHP Billiton.

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Historically, gold is perceived to be a safe haven during uncertainties and economic crises as it is considered more stable than other asset classes. It is generally an effective hedge against inflation and fluctuations in the US dollars.

Gold is an investment tool for preservation of wealth and a store of value in times of market volatility. It is an asset diversifier that could lower the overall risk in an investment portfolio.

This article will focus on different ways to invest in gold.

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On 23rd October 2009, Prime Minister Datuk Seri Najib Tun Razak has tabled Budget 2010 with the theme “1Malaysia, Together We Prosper”.

These are the main highlights that interest me in the area of Personal Finance

  • 5% property gain tax will be imposed on gains from the disposal of real property from Jan 1, 2010. Existing tax exemption will be retained for gifts between parent-child, husband-wife, grandparent-grandchild.
  • A service charge of RM50 a year to be imposed on each principal credit card and charge card and RM25 a year on each supplementary card including those with free for life effective from Jan 1, 2010.

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