CIMB-PRINCIPAL LIFECYCLE FUNDS &

CIMB ISLAMIC KAUSAR LIFECYCLE FUNDS

The investment you can

depend on for life

FOR INTERNAL CIRCULATION ONLY

 CIMB-PRINCIPAL LIFECYCLE FUNDS & CIMB ISLAMIC KAUSAR LIFECYCLE

FACT SHEET

1 An Investment Series That Prepares You For Life’s Every Occasion

The CIMB-Principal Lifecycle Funds series and CIMB Islamic Kausar Lifecycle Funds series aim to
provide investors with capital growth through a well-diversified and evolving asset allocation. Each Fund
seeks to achieve its investment objective by investing in different combinations of the asset classes
– equities, fixed income securities and properties. As the Fund approaches maturity, allocation to less
risky assets such as bonds will increase.
Funds Asset Class
Local equities
Equities Developed equities
CIMB-Principal Lifecycle 2017 Emerging equities
CIMB-Principal Lifecycle 2022 Liquid assets
CIMB-Principal Lifecycle 2027 Fixed Income Securities Local bonds
Foreign bonds
Properties Local/ foreign REITs
Shariah permissible local equities
Equities Shariah permissible developed equities
CIMB Islamic Kausar Lifecycle 2017 Shariah permissible emerging equities
CIMB Islamic Kausar Lifecycle 2022
Local/ foreign Sukuk
CIMB Islamic Kausar Lifecycle 2027 Fixed Income Securities
Shariah permissible liquid assets
Properties Shariah permissible local/ foreign REITs.

CIMB-Principal Lifecycle 2017 (10 Year) Investment Strategy*

Evolution of Asset Allocation
Onset Year 5
Developed Equities 25% Emerging Equities 3% Developed Equities 15%
Emerging Equities 5% Local/Foreign
REITs 13%
Local/Foreign REITs 5%

Liquid Assets 5% Local Liquid Assets 5%

Equities
30% Local Equities
Local Bonds 24%
15% Local Bonds
20%

Foreign Bonds 15% Foreign Bonds 20%

To accommodate investor’s evolving risk tolerance as the Fund progresses towards maturity

CIMB-Principal Lifecycle 2022 (15 Year) Investment Strategy*

Evolution of Asset Allocation
Onset Year 5 Year 10
Emerging Developed Equities 25% Emerging Developed Equities 17%
Developed Equities
Equities Emerging Equities
30%
10% Equities 5% 5% Local
Local/Foreign Local/Foreign Equities
Local/Foreign
REITs 5% REITs 8% 25%
REITs 5%
Liquid
Liquid Liquid
Assets 5%
Assets 5% Assets
Local Bonds 5%
Local
10% Local Bonds Equities
15% 30%
Local Bonds
Foreign Bonds
Local Equities 30% 20%
10%
Equities decrease Foreign Bonds Equities decrease even more
Foreign Bonds 20%
15%
Fixed Income/Property increase Fixed Income/Property increase even more
To accommodate investor’s evolving risk tolerance as the Fund progresses towards maturity
FUNDS

THE INVESTMENT YOU CAN DEPEND ON FOR LIFE

CIMB-Principal Lifecycle 2027 (20 Year) Investment Strategy*

Evolution of Asset Allocation

Onset Year 5
Developed
Developed Equities Emerging Equities 9% Equities 28%
Emerging Equities 10%
30%
Local/Foreign
Local/Foreign REITs 6%
REITs 5%
Equities decrease Liquid
Liquid Assets 5%
Assets 5%
Fixed Income/Property increase
Local Bonds 10% Local Bonds
12%

Foreign Bonds 10% Local

Local Equities
Equities

r
he
r
Foreign

he
30%

rt
28%

rt

fu
Bonds

fu

se
se 12%

ea
ea

cr
cr

in
de

ty
er
s
tie

Year 10 Year 15
op
ui

Pr
Eq

e/
m

Developed
co

Emerging Developed Equities

In

Equities 7% Equities Emerging Equities 5% 20%

d
xe

25%
Fi

Local/Foreign Local/Foreign
REITs 8% REITs 10%
Local
Liquid Liquid Equities
Assets Equities decrease even more
Assets 20%
5% 5%
Fixed Income/Property increase even more

Local Bonds Local

15% Equities Local Bonds
25% 20%

Foreign Bonds Foreign Bonds

15% 20%

Source: CIMB-Principal
To accommodate investor’s evolving risk tolerance as the Fund progresses towards maturity
*corresponding Shariah-compliant investment strategy for CIMB Islamic Kausar Lifecycle Funds

2 Key Features 3 Charges & Commissions

Long-term investment plan to see you through the Description Rate

milestones in life such as marriage, education and Annual Management Fee 1.80%
retirement
Trustee Fee 0.08%
Asset allocation that gradually changes during the Application Fee Up to 6.50%
Funds’ tenure in line with your risk appetite
1st year - Up to 1.0%
A series of 3 funds, conventional and Shariah, for Withdrawal Fee 2nd year - Up to 0.5%
your selection to match your investment horizon Subsequent years - Nil

Important
It is important to note that the target year of the Fund you select should not necessarily represent the specific year you intend to
draw your investments. This serves as a guide only. You should also realize that the Funds are not a complete solution to your
cash flow needs. You must weigh many factors such as retirement needs, lifestyle needs and so forth. When in doubt, please
consult your financial advisor.
For further information on how to invest, please enquire at your nearest
CIMB Wealth Advisors branch or call 03-7718 3000 during business hours.

Disclaimer
This document is provided to you for information purposes only and should not be construed as an offer or a solicitation of an offer
to purchase or subscribe. This document is strictly for internal circulation only and may not be reproduced, distributed or published
by any recipient for any other purpose.
The information contained herein has been derived from sources believed to be reliable and is current as at the date of publication.
No representation or warranty is made by the Manager nor is there acceptance of any responsibility or liability made as to the
accuracy, completeness or correctness of the information contained herein. Expressions of opinion contained herein are those
entirely of the Manager and are subject to change without prior notice. Persons wishing to rely upon this information should consult
directly with the source of information or obtain professional advice.
Prospective investors are advised to read and understand the contents of the prospectus and consider the fees and charges
involved before investing. The price of units and distributions payable, if any, may rise or fall and past performance of a fund is not
indicative of its future performance.

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