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To know more about the product features? Please contact our nearest branches, our Takaful Financial Consultants or Customer Service at 1-300 8 TAKAFUL (825 2385).
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Note: The information provided is for general information only and does not represent the takaful Certificate.
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 Click here to download the brochures.
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Takaful myInvest
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Takaful + Investment = Takaful myInvest
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Looking for the plan that you can invest and be financially protected at the same time? Let Takaful myInvest help you achieve your financial goals!
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With just RM100 per month, you may enjoy the great flexibility of diversifying your investment portfolio while obtaining your ideal takaful protection, ALL IN ONE PACKAGE! Through various Shariah-compliant investment funds managed by our in-house investment specialists, you can invest and spread your savings in our various funds to suit your risk appetite. Be assured, the extensive takaful protection comes with this exclusive plan, to ensure that you and your loved ones are financially secured in trying moments...
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What are the benefits provided?
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In the event of Death, Total and Permanent Disability (TPD) Participant, the following takaful benefit will be payable according to the option selected by you:
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Option
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Takaful Benefit
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Option A
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Sum Covered + Net Asset Value (NAV) of the Investment Fund
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Option B
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Higher of Sum Covered or Net Asset Value (NAV) of the Investment Fund
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The NAV of the Investment Fund* will be payable on termination or maturity of the plan.
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* The NAV will fluctuate based on the underlying performance of the investment funds.
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Who is eligible to participate?
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If you are between 18 to 65 years old, you are eligible to participate in Takaful myInvest (subject to underwriting assessment). You will enjoy the benefits from this plan up to a maximum expiry age of 80.
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Takaful myGraduan
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Securing a brighter future for your ‘Little Me’
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It’s indeed a brand new chapter in life as you welcome the arrival of your first bundle of joy! You begin to plan what’s best for them. Yes, a good higher education is the most perfect gift that you could ever give to your child, providing them the key to endless wide career opportunities in life, yet at the same time it can be the most costly gift too.
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Nonetheless it is never too late to start saving for your children’s higher education. You can achieve that sound financial plan to overcome that ever increasing cost of education by participating in Takaful myGraduan. Takaful myGraduan is a unique Shariah-compliant structured investment-linked plan that provides both comprehensive protection and savings for you and your child even in the event of uncertainties.
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As low as RM100 per month or RM1,200 a year, you can now start to build your children’s higher education fund with a peace of mind. What are you waiting for? Start securing a brighter future for your children TODAY!
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What are the benefits provided?
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In the event of Death or Total and Permanent Disability (TPD) of Participant, the higher of guaranteed Sum Covered or Net Asset Value (NAV) of the investment funds will be paid to the nominee to execute disbursement to the beneficiaries.
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You can choose the Sum Covered amount based on the Contribution you would like to pay, subject to a minimum forty (40) times of the takaful Contribution (please refer to Exhibit 1 for calculations of Takaful Contribution and Investment Contribution).
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If Option 1 of benefit payment is selected: During staggered payment period, a predefined percentage of the NAV of the investment funds at the next valuation date after the payment due date less any indebtedness will be payable (for the final payment at maturity) to the Participant.
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If Option 2 of benefit payment is selected: On maturity, the NAV of the investment funds at the next valuation date after the maturity date less any indebtedness will be payable to the Participant.
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The NAV of investment funds are not guaranteed and based on the actual performance of the fund. Please refer to the Certificate for detailed descriptions of benefits covered under this plan.
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Who is eligible to participate?
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Children who are between 30 days old to age 15 are eligible to participate in Takaful myGraduan (subject to underwriting assessment). Your children will further enjoy the benefits up to expiry age of 22.
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Investment Funds
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Takaful Malaysia offers you a range of investment funds that can help you fulfill your financial & investment objectives:
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Protect your essential needs and wealth from death, total & permanent disability and critical illness with Takaful mySinar. A comprehensive plan which provides both elements of protection and savings.
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Fund Name
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Investment Objective
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Instruments*
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Risk / Return Level
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Ihsan
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(Balanced Fund)
To obtain moderate stream of income and consistent capital growth over the medium-to-long term period by investing in a diversified portfolio of investments.
To construct a diversified portfolio containing a “balanced” mixture of equities and fixed income securities.
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At least 10% and a maximum of 40% in Malaysian shares approved by the Shariah Advisory Council of the Securities Commission (SAC);
At least 10% and a maximum of 60% in Islamic Private Debt Securities (IPDS) and Malaysian Government Investment Issues;
The balance in Islamic money market instruments.
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Low / Moderate
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Irad
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(Dividend Yielders Fund)
To provide dividend income in long term through selective investment in high dividend yield shares that provide a minimum annual gross dividend of 4.00% .
To provide capital growth through selective investment in Blue Chips Shares that could potentially provide capital growth in the long run.
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At least 40% and a maximum of 90% in Malaysian shares approved by the SAC;
At least 50% of the equity exposure is in dividend yield shares; and
The balance in Islamic money market instruments.
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Moderate
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Ihfaz
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(Index Tracker Fund)
To provide returns that tracks the performance of FBM Emas Shariah Index.
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90% - 95% in Malaysian shares approved by the SAC; and
The balance in Islamic money market instruments.
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Moderate
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Istifad
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(Blue Chips Fund)
To provide consistent capital growth in the long run through investment in Shariah Compliant Blue Chips Shares.
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At least 40% and a maximum of 90% in Malaysian shares approved by SAC; and
The balance in Islamic money market instruments.
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Moderate / High
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Ittihad
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(Growth Fund)
To provide capital growth opportunities and dividend income through selective investment in Shariah approved shares listed in Bursa Malaysia Berhad.
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At least 50% and a maximum of 95% in Malaysian shares approved by the SAC; and
The balance in cash, long and short term Islamic debt securities and other liquid Islamic investments.
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High
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You have the flexibility of having different proportion in the investment funds you selected and switch among the funds to suit your investment strategies.
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The above-mentioned investment funds will be managed by the Investment Division of Syarikat Takaful Malaysia Berhad. The investment team comprises a group of professional portfolio managers and investment research analysts who possess an average cumulative experience of 14 years in fund management and had previously managed more than RM7 billion worth of funds.
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NOTE*: The selection of investable securities is conducted in a systematic manner where the investment process is governed by internal policies. In addition to that, the systematic investment process is strictly guided by the Company’s Shariah Advisory Body to ensure that the Shariah principles are not compromised in every investment decision made.
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