ILP Workshop

ILP Workshop
- March 2011
By Marketing Department
AIA.COM
AIA confidential and proprietary information. Not for distribution.
Agenda
Managing and mitigating your risk in ILPs
Dollar-Cost-Averaging Concept in ILPs
Needs base selling in ILPs
Bonus Units Campaign
Are We Heading for Another Crisis?

Stock Market is vulnerable
Are we heading for another financial crisis?
Crisis =
= Danger & Opportunity
Behind every crisis,
there is an opportunity awaiting us
Where is the safe haven under current crisis?

Withdraw from ILP and keep your money
In bank deposit?
Under the pillow?
Lets face it. We cant avoid risk no matter where we place

our money!
Managing and mitigating your risk in ILPs

1. Dont panic, stay invested if you are already in the market
2. Diversify your portfolio
3. Dollar Cost Averaging
1. Dont panic. Stay invested if you are already in the market
Dont panic. Stay invested.

FBMKLCIMovements&Events
1800
Mar08:12thMalaysia
GeneralElections
1600
Nov10:USQE2
1516.22
Mar97:Banknegara
imposedcontrolon
propertyandshare
purchases
1400
1569.89
Jun10:PMunveiled
the10thMalaysia
l
1391.57
1270.67
1200
Sep06:
1.GLCreforms
2.Announcementof9MPs
Jul97:Bahtdevaluation
Jul05:BNM
removedRMpeg
1002.62
1000
Sep01Terrorist
bombingoftwin
towerinUS
843.12
Jan04:Birdflu
outbreak
887.34
Sep/Oct08:Lehman
Brothersfiledfor
bankruptcyandAIG
bailedout
787.58
800
Mar10:PM
announcedETP
Mar08:Collapse
ofBearStearns
745.36
838.28
Apr09:DatoSeriNajib
becameMalaysia's
PrimeMinister
Nov08:US
Quantitative
Easing
600
563.72
Jan03:Commencement
ofRM10bValueCap
400
302.91
200
Sep98:Malaysia
imposedcapitalcontrol
Source: Bloomberg
0
Jan97
Jan98
Jan99
Jan00
Jan01
Jan02
Jan03
Jan04
Jan05
Jan06
Jan07
Jan08
Jan09
Jan10
Jan11
Dont panic, stay invested

The crisis presents opportunities for fund managers to pick
good value and fundamentally strong stocks.
No one will know when the crisis will end. But, for sure, the
market will recover from the crisis eventually.
2. Diversify your Portfolio
Diversify your Portfolio

Diversification may reduce the overall volatility of your portfolio
Example
Investor A and Investor B have RM100,000 each in their retirement plan
account for a period of 20 years.
Investor A invests in a single asset class while Investor B diversifies into 5 different asset
classes.
Investment A
Investor A
Investor B
Initial
Annual
Investment Return
(RM)
%
Initial
Annual
Investment Return
(RM)
%
Total
20,000 Loss
20,000
3
20,000
6
20,000
9
20,000
12
100,000
Value after
20 yrs (RM)
320,714
320,714
Total
Investment B
Investment C
Investment D
Investment E
Investment F
Total
Value after
20 yrs (RM)
0
36,122
64,143
112,088
192,926
405,279
Investor B yields better return through

diversification of assets.
3. Dollar Cost Averaging (DCA)
10
DCA reduces the risk to time the market

The Power of Dollar Cost Averaging (DCA)
Invest a fixed amount of money at regular intervals, you get more units when
prices fall, and get less units when prices rise
Year
Annual
Premium Paid
1
2
3
4
5
Total
2,000
2,000
2,000
2,000
2,000
10,000
Offer Prices
(RM)
1.2
1
1.5
1.1
1.8
Units
Purchased
1,666
2,000
1,333
1,818
1,111
7,928
Average Unit Cost to you over the 5 year period

= 10000/7928 = RM1.26
Average price over the 5 year period
= RM(1.2+1+1.5+1.1+1.8) / 5 = RM1.32
Through DCA, your average unit cost is usually lower than the average
price for the same period. DCA reduces the risk to time the market.
11
DCA reduces the risk to time the market

Which investment would you prefer? A or B?
3.00
2,350
2.50
2,100
1,750
1,900 1,800
Fund A
unit price
@RM3
1,700 1,700
2,700
2.00
3,350
Fund B
unit price
@RM1
Unit Price
1.50
5,000
1.00
7,150
0.50
0.00
0
10,000
10,000
14,300 20,000 00 20,000

25,0
7,150
14,300
10
End Of Year
Fund A - Total 24,350 units @ RM3.00 = RM 73,050

Fund B - Total 132,900 units @ RM1.00 = RM132,900
DCA works well for funds with high volatility, for example: equity
funds or managed funds.
12
Investors reactions during crisis

Not in the market yet
Felt that they are so lucky and smart.
Want to wait for the lowest entry level but it never happens.
Already in the market
Panic sell-off this may be a good strategy to cut further
losses if you were to invest directly into stocks and shares!
Stay invested and do nothing. Felt extremely sorry for
themselves and felt that this is the end of the world
Stay invested and invest further during crisis. Practising
dollar cost averaging method the right strategy for ILP.
13
Investors reaction during crisis

Example of investing into a fund
Fund A from Unit Trust Co. P was launched during 93-97 bull run, April 25, 1994.
Fund Performance:
1.20
1.00
Fund A Monthly Unit Price Movement

(Apr 1994 - Sep 2008)
RM
0.80
0.60
0.40
0.20
04
/2
9/
19
94
04
/2
9/
19
95
04
/2
9/
19
96
04
/2
9/
19
97
04
/2
9/
19
98
04
/2
9/
19
99
04
/2
9/
20
00
04
/2
9/
20
01
04
/2
9/
20
02
04
/2
9/
20
03
04
/2
9/
20
04
04
/2
9/
20
05
04
/2
9/
20
06
04
/2
9/
20
07
04
/2
9/
20
08
0.00
14

Example of investing into a fund
Invest at the peak of market:
Investment Amount:
Units:
March 31, 1997 @ RM0.727 per unit

RM10,000
RM10,000 / RM0.727
= 13,749.48 units
15

Example 1 Panic sell-off 6 months later
1.20
(Apr 1994 - Sep 2008)
1.00
RM
0.80
0.7273
@31/3/97
0.60
0.40
0.4959
@30/9/97
0.20
04
/2
9/
19
94
04
/2
9/
19
95
04
/2
9/
19
96
04
/2
9/
19
97
04
/2
9/
19
98
04
/2
9/
19
99
04
/2
9/
20
00
04
/2
9/
20
01
04
/2
9/
20
02
04
/2
9/
20
03
04
/2
9/
20
04
04
/2
9/
20
05
04
/2
9/
20
06
04
/2
9/
20
07
04
/2
9/
20
08
0.00
Fund value upon withdrawal = 13,749.48 units X RM0.4959 = RM6,818.37

Realised a loss of 32%
16

Example 2 Stay Invested
1.20
1.00
RM
0.80

(Apr 1994 - Sep 2008)
1.0717
@31/12/07
0.7273
@31/3/97
0.60
0.40
0.20
04
/2
9/
19
94
04
/2
9/
19
95
04
/2
9/
19
96
04
/2
9/
19
97
04
/2
9/
19
98
04
/2
9/
19
99
04
/2
9/
20
00
04
/2
9/
20
01
04
/2
9/
20
02
04
/2
9/
20
03
04
/2
9/
20
04
04
/2
9/
20
05
04
/2
9/
20
06
04
/2
9/
20
07
04
/2
9/
20
08
0.00
Waited for the next cycle to sell off.

Fund value withdrawn on 31/12/2007
= 13,749.48 units X RM1.0717 = RM14,735.31
Realised a profit of 47.35%
17

Example 3 Stay invested and Dollar Cost Averaging
1.20
1.00
0.80
RM
1.0717

(Apr 1994 - Sep 2008)
209,007 units
0.7273
13,749.48 units
0.60
0.40
0.20
8
Ap
r-0
7
Ap
r-0
6
Ap
r-0
Ap
r-0
Ap
r-0
Ap
r-0
2
Ap
r-0
1
Ap
r-0
0
Ap
r-0
9
Ap
r-9
Ap
r-9
Ap
r-9
Ap
r-9
5
Ap
r-9
Ap
r-9
0.00
Investor invested RM10,000 initially at RM0.7273 per unit

Top-up RM10000 every year for the next 10 years from 31/12/97 to 31/12/06
Accumulated units = 209,007 units
Capital invested = RM110,000
Total fund value as at 31/12/07 = RM1.0717 X 209,007 units = RM223,993

Total
profit of
AIA confidential
and103.6%
proprietary information. Not for distribution.
18
Conclusion
Dont panic, stay invested

Top Up your investment regularly
Your investment horizon should be medium to long term (5
10 years)
19
What are the investment-linked funds available in AIA ?
Fund
Target Asset Allocation
Launch Date
Equities %
Fixed Income
Securities %
1. AIA Managed Fund
80
20
2. AIA Equity Fund
100
3. AIA Fixed Income Fund
100
4. AIA Dana Progresif
80 - Islamic
20 - Islamic
Mar 1, 2000
5. AIA Medium Cap Fund
95
Jul 16, 2001
6. AIA Aggressive Fund
95
7. AIA Dana Dinamik
95 - Islamic
5 - Islamic
Dec 20, 1999
20
What are the investment-linked funds available in AIA ?

Fund
Target Asset Allocation
Launch Date
Equities %
Fixed Income
Securities %
8. AIA New Horizon Fund
50 Malaysia
50 Foreign
Aug 16, 2004
9. AIA Asia Platinum Fund
100 Foreign
Apr 27, 2006
10. AIA International Small

Cap Fund
100 Foreign
Dec 13, 2006
11. AIA Eleven Plus Fund
100 Foreign
Sept 17, 2007
12. AIA Dana Bon
100
July 22, 2008
13. AIA Asia Opportunity

Fund
100 - Foreign
March 30, 2009
21
AIA Funds Performance vs. Fixed Deposit Interest Rate

Comparison based on a 1-year Annualized Return as at Dec 31, 2010
Lumpsum Basis
35%
28.99%
30%
28.14%
25%
21.46%
20%
16.16%
13.94%
15%
10.11%
8.87%
10%
6.40%
5%
7.94%
7.38%
4.36%
2.81%
0.83%
1.14%
Fix
ed
De
po
AIA
sit
Ma
na
ge
dF
un
d
AIA
Eq
uit
yF
AIA
un
d
Da
na
Pr
AIA
og
res
Fix
if
ed
Inc
om
AIA
eF
un
Ne
d
w
Ho
riz
on
AIA
Fu
As
nd
AIA
ia
P
Int
lat
ern
inu
m
ati
Fu
on
al
nd
Sm
all
Ca
pF
AIA
un
Ele
d
ve
nP
lus
Fu
nd
AIA
AIA
Da
na
As
Bo
ia
Op
n
po
rtu
nit
yF
un
AIA
d
Da
na
Di n
AIA
am
ik
Ag
gre
ss
ive
AIA
Fu
Me
nd
diu
m
Ca
pF
un
d
0%
Source: AIA & BNM

22
AIA Funds Performance vs. Fixed Deposit Interest Rate

Comparison based on a 5-year Annualized Return as at Dec 31, 2010
Lumpsum Basis
18%
16.80%
16.49%
15.91%
16%
14%
12%
11.12%
10.88%
9.99%
10%
8.50%
8%
6%
5.28%
4%
3.30%
2%
d
Me
diu
Ca
p
Fu
n
un
d
Ag
AIA
AIA
gre
ss
ive
F
Di n
a
na
Da
AIA
Ho
riz
on
F
w
Ne
mi
k
un
d
d
un
om
eF
AIA
AIA
Da
AIA
Fi x
ed
na
Inc
Fu
uit
y
Eq
AIA
ge
Ma
na
AIA
Pr
og
r es
if
d
dF
un
os
it
De
p
ed
Fix
nd
0%
Source: AIA & BNM

23
AIA Funds Performance Dollar-Cost-Averaging

Equity Fund
AIA Equity Fund
Dec 2005 - Dec 2010
1.646
Ja
n0
M 6
ar
-0
M 6
ay
-0
6
Ju
l-0
S 6
ep
-0
6
N
o
v0
6
Ja
n0
M 7
ar
-0
M 7
ay
-0
7
Ju
l-0
S 7
ep
-0
7
N
o
v0
7
Ja
n0
M 8
ar
-0
M 8
ay
-0
8
Ju
l-0
S 8
ep
-0
8
N
o
v0
8
Ja
n0
9
M
ar
-0
M 9
ay
-0
9
Ju
l-0
S 9
ep
-0
9
N
o
v0
9
Ja
n1
0
M
ar
-1
M 0
ay
-1
0
Ju
l-1
S 0
ep
-1
0
N
o
v1
0
5 years
Unit Price (RM)

2
1.8
1.6
1.4
1.006
1.2
1
0.8
0.6
0.4
Payment
Mode
Monthly
Investment
Period
Jan 06 ~ Dec 10
Duration
No. of
Total
Total Investment Investment
Payments Capital Outlay Value @ Dec 2010 Return/Yield
(years)
(times)
(RM)
(RM)
p.a.
7.67%
5.00
60
6,000
7,426.86
AIA Equity Fund
Since Inception: Dec 1999 - Dec 2010
1.606
1.08
D
e
c9
9
A
pr
-0
0
A
ug
-0
D 0
e
c0
0
A
pr
-0
A 1
ug
-0
1
D
e
c0
1
A
pr
-0
A 2
ug
-0
2
D
e
c0
2
A
pr
-0
3
A
ug
-0
D 3
e
c0
3
A
pr
-0
4
A
ug
-0
D 4
e
c0
4
A
pr
-0
A 5
ug
-0
5
D
e
c0
5
A
pr
-0
6
A
ug
-0
6
D
e
c0
6
A
pr
-0
7
A
ug
-0
D 7
e
c0
7
A
pr
-0
A 8
ug
-0
8
D
e
c0
8
A
pr
-0
A 9
ug
-0
9
D
e
c0
9
A
pr
-1
0
A
ug
-1
D 0
e
c1
0
Since
Launch
Unit Price (RM)

2
1.8
1.6
1.4
1
1.2
1
0.8
0.6
0.4
Mode
Monthly
Period
Dec 99 ~ Dec 10
(years)
11.09

(times)
(RM)
(RM)
p.a.
8.48%
133
13,300
21,665.59
Source: AIA
24

Managed Fund
AIA Managed Fund
Dec 2005 - Dec 2010
Unit Price (RM)
2
1.8
1.6
1.4
1.049
1.2
1
0.8
0.6
0.4
ec
-0
Fe 5
b0
Ap 6
r0
Ju 6
nAu 0 6
g0
O 6
ct
-0
D 6
ec
-0
Fe 6
b0
Ap 7
r07
Ju
nAu 0 7
g0
O 7
ct
-0
D 7
ec
-0
Fe 7
b0
Ap 8
r08
Ju
nAu 0 8
g0
O 8
ct
-0
D 8
ec
-0
Fe 8
b0
Ap 9
r0
Ju 9
nAu 0 9
g0
O 9
ct
-0
D 9
ec
-0
Fe 9
b1
Ap 0
r10
Ju
nAu 1 0
g1
O 0
ct
-1
D 0
ec
-1
0
5 years
1.692
Payment
Mode
Monthly
Investment
Period
Duration
(years)
5.00
Jan 06 ~ Dec 10
No. of
Total
Total Investment
Investment
(times)
(RM)
(RM)
p.a.
60
6,000
7,391.74
7.49%
AIA Managed Fund

Unit Price (RM)
2
1.8
1.6
1.4
1.2
1
1
0.8
0.6
0.4
D
ec
-9
A 9
pr
-0
A 0
ug
D 00
ec
-0
A 0
pr
-0
A 1
ug
D 01
ec
-0
A 1
pr
-0
A 2
ug
D 02
ec
-0
A 2
pr
-0
A 3
ug
D 03
ec
-0
A 3
pr
A 04
ug
D 04
ec
-0
A 4
pr
-0
A 5
ug
D 05
ec
-0
A 5
pr
-0
A 6
ug
D 06
ec
-0
A 6
pr
A 07
ug
D 07
ec
-0
A 7
pr
A 08
ug
D 08
ec
-0
A 8
pr
A 09
ug
D 09
ec
-0
A 9
pr
-1
A 0
ug
D 10
ec
-1
0
Since
Launch
1.692
Payment
Mode
Monthly
Investment
Period
Duration
Dec 99 ~ Dec 10
(years)
11.09
No. of
Total
Total Investment
Investment
(times)
(RM)
(RM)
p.a.
133
13,300
21,013.39
7.96%
Source: AIA
25

Dana Progressive Fund
AIA Dana Progresif
Dec 2005 - Dec 2010
Unit Price (RM)
2
1.8
1.6
1.4
1.043
1.2
1
0.8
0.6
0.4
D
e
c0
5
F
eb
-0
A 6
pr
-0
Ju 6
n0
6
A
ug
-0
6
O
ct
-0
D 6
e
c0
6
F
eb
-0
A 7
pr
-0
Ju 7
n0
7
A
ug
-0
O 7
ct
-0
D 7
e
c0
7
F
eb
-0
A 8
pr
-0
Ju 8
n0
8
A
ug
-0
O 8
ct
-0
D 8
e
c0
8
F
eb
-0
A 9
pr
-0
Ju 9
n0
9
A
ug
-0
9
O
ct
-0
D 9
e
c0
9
F
eb
-1
A 0
pr
-1
Ju 0
n1
0
A
ug
-1
0
O
ct
-1
D 0
e
c1
0
5 years
1.735
Payment
Mode
Monthly
Investment
Period
Jan 06 ~ Dec 10
Duration
No. of
Total
Total Investment
Investment
(years) (times)
(RM)
(RM)
p.a.
5.00
60
6,000
7,288.88
6.94%
AIA Dana Progresif
Since Inception: Feb 2000 - Dec 2010
Unit Price (RM)

2
1.8
1.6
1.4
1
1.2
1
0.8
0.6
0.4
1.131
Fe
b0
Ju 0
n0
O 0
ct
-0
Fe 0
bJu 01
nO 01
ct
-0
Fe 1
b0
Ju 2
nO 02
ct
F 02
eb
-0
Ju 3
nO 03
ct
-0
Fe 3
bJu 04
nO 04
ct
-0
Fe 4
b0
Ju 5
nO 05
ct
-0
Fe 5
b0
Ju 6
n0
O 6
ct
F 06
eb
-0
Ju 7
nO 07
ct
-0
Fe 7
bJu 08
nO 08
ct
-0
Fe 8
b0
Ju 9
n0
O 9
ct
-0
Fe 9
b1
Ju 0
n1
O 0
ct
-1
0
Since
Launch
1.767
Payment
Mode
Monthly
Investment
Period
Feb 00 ~ Dec 10
Duration
No. of
Total
Total Investment
Investment
(years) (times)
(RM)
(RM)
p.a.
10.93
131
13,100
21,356.63
8.62%
Source: AIA
26

Fixed Income Fund
AIA Fixed Income Fund
Dec 2005 - Dec 2010
Unit Price (RM)
2.4
2.2
2
1.8
1.6
1.4
1.2
1
0.8
1.465
D
ec
-0
Fe 5
b0
Ap 6
r0
Ju 6
nAu 0 6
g0
O 6
ct
-0
D 6
ec
-0
Fe 6
b0
Ap 7
r07
Ju
nAu 0 7
g0
O 7
ct
-0
D 7
ec
-0
Fe 7
b0
Ap 8
r0
Ju 8
nAu 0 8
g0
O 8
ct
-0
D 8
ec
-0
Fe 8
b0
Ap 9
r09
Ju
n0
Au 9
g09
O
ct
-0
D 9
ec
-0
Fe 9
b1
Ap 0
r1
Ju 0
nAu 1 0
g1
O 0
ct
-1
D 0
ec
-1
0
5 years
1.895
Payment
Mode
Monthly
Investment
Period
Jan 06 ~ Dec 10
Duration
No. of
Total
Total Investment Investment
(years)
(times)
(RM)
(RM)
p.a.
5.00
60
6,000
6,873.26
4.64%
AIA Fixed Income Fund
Since Inception: Feb 2000 - Dec 2010
Unit Price (RM )

2.4
2.2
2
1.8
1.6
1.4
1.2
1
0.8
1.386
1
F
eb
-0
Ju 0
n0
O 0
ct
-0
F
0
eb
-0
Ju 1
n0
O 1
ct
-0
F
eb 1
-0
Ju 2
n0
O 2
ct
-0
F
eb 2
-0
Ju 3
n0
O 3
ct
-0
F
eb 3
-0
Ju 4
n0
O 4
ct
-0
F
eb 4
-0
Ju 5
nO 05
ct
F 05
eb
-0
Ju 6
n0
O 6
ct
-0
F
6
eb
-0
Ju 7
n0
O 7
ct
-0
F
7
eb
-0
Ju 8
n0
O 8
ct
-0
F
8
eb
-0
Ju 9
n0
O 9
ct
-0
F
9
eb
-1
Ju 0
n1
O 0
ct
-1
0
Since
Launch
1.891
Payment
Mode
Monthly
Investment
Period
Feb 00 ~ Dec 10
Duration
(years)
10.93
No. of
Total
Total Investment
Investment
(times)
(RM)
(RM)
p.a.
131
13,100
17,874.99
5.54%
Source: AIA
27

Aggressive Fund
AIA Aggressive Fund
Dec 2005 - Dec 2010
Unit Price (RM)
3.200
2.800
2.400
2.000
1.600
1.200
0.800
0.400
1.324
D
e
c0
5
F
eb
-0
A 6
pr
-0
Ju 6
n0
6
A
ug
-0
O 6
ct
-0
D 6
e
c0
6
F
eb
-0
A 7
pr
-0
Ju 7
n0
7
A
ug
-0
O 7
ct
-0
D 7
e
c0
7
F
eb
-0
A 8
pr
-0
Ju 8
n0
8
A
ug
-0
8
O
ct
-0
D 8
e
c0
8
F
eb
-0
A 9
pr
-0
9
Ju
n0
9
A
ug
-0
9
O
ct
-0
D 9
e
c0
9
F
eb
-1
A 0
pr
-1
Ju 0
n1
0
A
ug
-1
0
O
ct
-1
D 0
e
c1
0
5 years
2.878
Payment
Mode
Investment
Period
Monthly
Jan 06 ~ Dec 10
Duration
(years)
5.00
AIA Aggressive Fund

Since Inception: Jul 2001 - Dec 2010
Unit Price (RM )

3.2
2.8
2.4
2
1.6
1.2
0.8
0.4
2.878
1.4
1
Ju
l-0
N 1
ov
-0
M 1
ar
-0
2
Ju
l-0
N 2
ov
-0
M 2
ar
-0
3
Ju
l-0
N 3
ov
-0
M 3
ar
-0
4
Ju
l-0
N 4
ov
-0
M 4
ar
-0
5
Ju
l-0
N 5
ov
-0
M 5
ar
-0
6
Ju
l-0
N 6
ov
-0
M 6
ar
-0
7
Ju
l-0
N 7
ov
-0
M 7
ar
-0
8
Ju
l-0
N 8
ov
-0
M 8
ar
-0
9
Ju
l-0
N 9
ov
-0
M 9
ar
-1
0
Ju
l-1
N 0
ov
-1
0
Since
Launch
No. of
Total
Total Investment
Investment
(times)
(RM)
(RM)
p.a.
60
6,000
9,143.24
14.02%
Payment
Mode
Monthly
Investment
Period
Jul 01 ~ Dec 10
Duration
(years)
9.47
No. of
Total
Total Investment
Investment
(times)
(RM)
(RM)
p.a.
115
11,500
22,497.03
13.47%
Source: AIA
28

Dana Dinamik
AIA Dana Dinamik
Dec 2005 - Dec 2010
Unit Price (RM)
2.800
2.417
2.400
2.000
5 years
1.600
1.155
1.200
0.800
D
ec
-0
Fe 5
b0
A 6
pr
-0
Ju 6
n0
6
A
ug
-0
O 6
ct
-0
D 6
ec
-0
Fe 6
b0
A 7
pr
-0
Ju 7
n07
A
ug
-0
O 7
ct
-0
D 7
ec
-0
Fe 7
b0
A 8
pr
-0
Ju 8
n08
A
ug
-0
O 8
ct
-0
D 8
ec
-0
Fe 8
b0
A 9
pr
-0
Ju 9
n0
9
A
ug
-0
O 9
ct
-0
D 9
ec
-0
Fe 9
b1
A 0
pr
-1
Ju 0
n10
A
ug
-1
O 0
ct
-1
D 0
ec
-1
0
0.400
Payment
Mode
Investment
Period
Monthly
Duration
No. of
Total
Total Investment
Investment
(times)
(RM)
(RM)
p.a.
60
6,000
8,721.09
14.02%
(years)
5.00
Jan 06 ~ Dec 10
AIA Dana Dinamik

Unit Price (RM)
2.8
2.417
2.4
2
1.224
1.2
0.8
Payment
Mode
Monthly
Investment
Period
Jul 01 ~ Dec 10
Duration
(years)
9.47
Nov-10
Jul-10
Mar-10
Jul-09
Nov-09
Mar-09
Nov-08
Jul-08
Mar-08
Nov-07
Jul-07
Mar-07
Nov-06
Jul-06
Nov-05
Mar-06
Jul-05
Nov-04
Mar-05
Jul-04
Mar-04
Jul-03
Nov-03
Mar-03
Nov-02
Jul-02
Mar-02
Nov-01
0.4
Jul-01
Since
Launch
1.6
No. of
Total
Total Investment
Investment
(times)
(RM)
(RM)
p.a.
115
11,500
21,020.45
12.13%
Source: AIA
29

Mid Cap Fund
AIA Medium Cap. Fund
Dec 2005 - Dec 2010
Unit Price (RM)
2.800
2.482
2.400
2.000
5 years
1.600
1.157
1.200
0.800
D
ec
Fe 05
bA 06
pr
Ju 06
n
A -06
ug
O 06
ct
D 06
ec
Fe 06
bA 07
pr
Ju 07
nA 07
ug
O 07
ct
-0
D 7
ec
Fe 07
bA 08
pr
Ju 08
nA 08
ug
O 08
ct
-0
D 8
ec
Fe 08
bA 09
pr
Ju 09
nA 09
ug
O 09
ct
-0
D 9
ec
Fe 09
bA 10
pr
Ju 10
nA 10
ug
O 10
ct
-1
D 0
ec
-1
0
0.400
Payment
Mode
Monthly
Investment
Period
Jan 06 ~ Dec 10
Duration
(years)
5.00
No. of
Total
Total Investment
Investment
(times)
(RM)
(RM)
p.a.
60
6,000
9,056.50
15.53%
AIA Medium Cap. Fund

Unit Price (RM)
2.8
2.482
2.4
2
Since
Launch
1.6
1.2
1.244
0.8
Ju
l-0
D 1
ec
-0
M 1
ay
-0
O 2
ct
-0
2
M
ar
-0
3
A
ug
-0
3
Ja
n0
Ju 4
n0
N 4
ov
-0
A 4
pr
-0
S 5
ep
-0
Fe 5
b06
Ju
l-0
D 6
ec
-0
M 6
ay
-0
O 7
ct
-0
7
M
ar
-0
8
A
ug
-0
8
Ja
n0
Ju 9
n0
N 9
ov
-0
A 9
pr
-1
S 0
ep
-1
0
0.4
Payment
Mode
Monthly
Investment
Period
Jul 01 ~ Dec 10
Duration
(years)
9.47
No. of
Total
Total Investment
Investment
(times)
(RM)
(RM)
p.a.
115
11,500
21,105.40
12.21%
Source: AIA
30

New Horizon Fund
AIA New Horizon Fund
Dec 2005 - Dec 2010
1.528
D
e
c0
5
F
eb
-0
A 6
pr
-0
Ju 6
n0
6
A
ug
-0
6
O
ct
-0
D 6
e
c0
6
F
eb
-0
A 7
pr
-0
Ju 7
n0
7
A
ug
-0
7
O
ct
-0
D 7
e
c0
7
F
eb
-0
A 8
pr
-0
Ju 8
n0
8
A
ug
-0
O 8
ct
-0
D 8
e
c0
8
F
eb
-0
A 9
pr
-0
Ju 9
n0
9
A
ug
-0
O 9
ct
-0
D 9
e
c0
9
F
eb
-1
A 0
pr
-1
Ju 0
n1
0
A
ug
-1
O 0
ct
-1
D 0
e
c1
0
5 years
Unit Price (RM)

2
1.8
1.6
1.4
1.016
1.2
1
0.8
0.6
0.4
Payment
Mode
Monthly
Investment
Period
Jan 06 ~ Dec 10
Duration
(years)
5.00
No. of
Total
Total Investment
Investment
(times)
(RM)
(RM)
p.a.
60
6,000
7,063.28
5.70%
AIA New Horizon Fund

Since Inception: Aug 2004 - Dec 2010
1.528
1.331
A
ug
-0
4
N
ov
-0
4
F
eb
-0
5
M
ay
-0
5
A
ug
-0
5
N
ov
-0
5
F
eb
-0
M 6
ay
-0
6
A
ug
-0
6
N
ov
-0
6
F
eb
-0
7
M
ay
-0
7
A
ug
-0
7
N
ov
-0
7
F
eb
-0
8
M
ay
-0
8
A
ug
-0
8
N
ov
-0
8
F
eb
-0
9
M
ay
-0
9
A
ug
-0
9
N
ov
-0
9
Fe
b1
M 0
ay
-1
0
A
ug
-1
0
N
ov
-1
0
Since
Launch
Unit Price (RM)

2
1.8
1.6
1.4
1
1.2
1
0.8
0.6
0.4
Payment
Mode
Monthly
Investment
Period
Aug 04 ~ Dec 10
Duration
(years)
6.42
No. of
Total
Total Investment
Investment
(times)
(RM)
(RM)
p.a.
77
7,700
9,571.55
6.69%
Source: AIA
31

Asia Platinum Fund
AIA Asia Platinum Fund
Since Inception: April 2006 - Dec 2010
Unit Price (RM)

1.3
Since
Launch
1.1
0.9
0.7
0.607
0.5
0.5
0.3
Payment
Mode
Monthly
Investment
Period
April 06 ~ Dec 10
Duration
(years)
4.76
Dec-10
Oct-10
Jun-10
Aug-10
Apr-10
Feb-10
Dec-09
Oct-09
Jun-09
Aug-09
Apr-09
Feb-09
Dec-08
Aug-08
Oct-08
Jun-08
Apr-08
Feb-08
Dec-07
Aug-07
Oct-07
Jun-07
Apr-07
Feb-07
Dec-06
Aug-06
Oct-06
Jun-06
Apr-06
0.1
No. of
Total
Total Investment
Investment
(times)
(RM)
(RM)
p.a.
57
5,700
6,332.31
4.37%
Source: AIA
32

International Small Cap Fund
AIA International Small Cap Fund
Unit Price (RM)
Since
Launch
0.7
0.5
0.435
0.5
0.3
De
c0
Fe 6
b0
Ap 7
r- 0
Ju 7
n07
A
ug
-0
O 7
ct
-0
De 7
c0
Fe 7
b0
Ap 8
r- 0
Ju 8
n08
A
ug
-0
O 8
ct
-0
De 8
c0
Fe 8
b0
Ap 9
r- 0
Ju 9
n09
A
ug
-0
O 9
ct
-0
D 9
ec
-0
Fe 9
b1
A 0
pr
-1
Ju 0
n1
Au 0
g1
O 0
ct
-1
D 0
ec
-1
0
0.1
Payment
Mode
Monthly
Investment
Period
Dec 06 ~ Dec 10
Duration
(years)
4.09
No. of
Total
Total Investment
Investment
(times)
(RM)
(RM)
p.a.
49
4,900
5,334.64
4.11%
Source: AIA
33

Eleven Plus Fund
AIA Eleven Plus Fund
Since Inception: Sep 2007 - Dec 2010
Unit Price (RM)
1
Since
Launch
0.8
0.6
0.534
0.5
0.4
Se
p0
No 7
v0
Ja 7
n0
M 8
ar
-0
M 8
ay
-0
8
Ju
l-0
Se 8
p0
No 8
v0
Ja 8
n0
M 9
ar
-0
M 9
ay
-0
9
Ju
l-0
Se 9
p0
No 9
v0
Ja 9
n1
M 0
ar
-1
M 0
ay
-1
0
Ju
l-1
Se 0
p1
No 0
v10
0.2
Payment
Mode
Monthly
Investment
Period
Sep 07 ~ Dec 10
Duration
(years)
3.34
No. of
Total
Total Investment
Investment
(times)
(RM)
(RM)
p.a.
40
4,000
4,606.98
8.43%
Source: AIA
34

Dana Bon
AIA Dana Bon
Since Inception: Jun 2008 - Dec 2010
Unit Price (RM)
Since
Launch
0.9
0.7
0.551
0.5
0.5
0.3
Payment
Mode
Monthly
Investment
Period
Jun 08 ~ Dec 10
Duration
(years)
2.59
Fe
b10
Ap
r- 1
0
Ju
n10
Au
g10
O
ct
-1
0
De
c10
Ju
n09
Au
g09
O
ct
-0
9
De
c09
Ju
n08
Au
g08
O
ct
-0
8
De
c08
Fe
b09
Ap
r- 0
9
0.1
No. of
Total
Total Investment
Investment
(times)
(RM)
(RM)
p.a.
31
3,100
3,262.17
3.87%
Source: AIA
35

Asia Opportunity Fund
Asia Opportunity Fund
Since Inception: April 2009 - Dec 2010
Since
Launch
Unit Price (RM)

0.8
0.61
0.6
0.5
0.4
Payment
Mode
Monthly
Investment
Period
Apr 09 ~ Dec 10
Duration
(years)
1.76
De
c10
O
ct
-1
0
Au
g10
Ju
n10
Ap
r- 1
0
Fe
b10
De
c09
O
ct
-0
9
Au
g09
Ju
n09
Ap
r- 0
9
0.2
No. of
Total
Total Investment
Investment
(times)
(RM)
(RM)
p.a.
21
2,100
2,386.18
14.66%
Source: AIA
36
Investment-linked Plans - Needs-based Selling
Protection
AIA Assurance Account

CLR
MCLR
WPUL
A Lady/A Elite Lady
FC/FCP
EPB
EPA
ECP+MCP
Retirement
AIA Retirement Account
Wealth
Accumulation
Single Premium ILP plans

Ad Hoc Top Up
Schedule Top Up
Savings/Education
Medical/Health
AIA Education Account

EPB
ILP Product Packaging

AMA
AFA
AHA
All-in-one
37
Packaged Plans for Single Need
AMA
For customers who look for

comprehensive medical protection.
AHA
For customers who seek for

protection against critical illnesses.
AFA
For lady customers who seek for

protection against female illnesses
and maternity protection.
38
AMA
For customers who look for

comprehensive medical protection.
39
Solutions to Your Medical Needs

AIA Medical Account (AAA + ECP+MCP) A comprehensive 4-in-1 medical plan covers you up to age 100.
Prem ium
(RM)
15,000
12,000
9,000
6,000
3,000
AMA
Age
0
0
Life /TPD Protection to

Age 100
2 Medical Coverage
to Age 100
Potential Investment
Return
10
20
30
40
50
60
70
80
90
Level Premium
People are living a longer life but we cannot avoid ourselves from being sick one day in future.
When you are young and healthy
Malaysian Life Expectancy at birth

Gender
Of course, you are confident to say:
Average Life Expectancy

2005
2006
2007
2008e
I am young, strong and healthy.
Male
71.4
71.5
71.5
71.6
I dont see a need for medical & health

insurance plan.
Female
76.2
76.3
76.3
76.4
But what if you are old and sick or unhealthy

at young age?
You will start to worry the followings:
Do I have sufficient fund for medical fees?
Will I become the burden of my family?
Source: Department of Statistics, Malaysia
Medical cost is escalating!

Across the world, the increases in doctors bills are
outpacing the general inflation rate each year.
9 Global medical inflation averages about 10% each
year.
9 In Malaysia, medical inflation is estimated to be
around 15% each year.
Source: The Star newspaper, 14 March 2009
40
AIA Medical Account (AMA)

The ONLY Medical Plan that covers you up to age 100 with NO LIFETIME LIMIT!!!
MALE
Age
Benefits
Death/ TPD
R&B
Account Value at
age 80
Monthly
Premium
Benefits
Death/ TPD
R&B
Account Value at
age 80
300
80,000
1,617,300
300
80,000
1,622,100
300
80,000
1,298,400
300
80,000
1,272,100
10
300
70,000
1,034,700
300
70,000
1,002,400
15
300
70,000
810,500
300
70,000
773,500
20
300
40,000
646,600
300
40,000
606,600
25
300
40,000
479,700
300
40,000
30
300
30,000
354,100
300
30,000
324,600
35
300
30,000
239,400
300
30,000
212,600
40
300
15,000
164,200
300
15,000
142,900
45
300
15,000
91,300
300
15,000
74,100
50
300
15,000
33,600
300
15,000
21,700
Notes:
1.
2.
3.
4.
Monthly
Premium
FEMALE
150
150
444,700
The cash values shown above are on projection basis on medium return which invested in 50% Fixed Income Fund and 50% Asia Opportunity Fund. Assuming
the plan is sustainable to age 80 and the Insured is non-smoker.
The Monthly Premium that you required to pay may vary from the tables above due to choice of fund(s), medical loading, sex, age, sustainability, etc.
The values shown in the table above are extracted from sales illustration Version ILS 1.52
Monthly premium consists of RM200 Regular Premium and RM100 Scheduled Top Up Premium.
From onth
00/m
RM3
AIA confidential
and proprietary
information.
distribution. Planner at ___________________________
For
more details,
please
call Not
ourforFinancial
41
AHA
For customers who seek for

protection against critical illnesses.
42
PROTECTION AGAINST CRITICAL ILLNESSES

Major causes which escalate the incidents of critical illnesses:
1. Work pressure
2. Unbalanced diet
3. Unhealthy lifestyle
Critical Illness is becoming a very serious

health concern.
1. Cardiovascular disease (stroke, heart
attack, etc) is the leading cause of death
in the world
4. Lack of exercise
5. Environment
Pollution
The expensive medical expenses are a

burden to a lot of people.
AHA covers you comprehensive critical
illnesses coverage as follows:
Covers 36
Critical Illnesses
2. Population ageing is contributing to the

rise in cancer and heart disease
No surviving period
required
3. Lung cancer is the most common cause
of death from cancer in the world
Coverage up to age 100
Source: WHO http://www.who.int/features/factfiles/global_burden/en/
43
AIA Health Account (AHA)

AIA Health Account (AAA + CLR + WPUL)

Age 100
Critical Illness
Coverage
3 Waiver of Premium
Male
Benefits
Age
Account
Value @
age 80
Monthly
Premium
Critical
Waiver of
Premium
20
100,000
100,000
1,800
3,600
743,800
637,100
25
100,000
100,000
1,800
3,600
30
100,000
100,000
35
100,000
40
45
2.
3.
4.
Return
Female
Death /
TPD
Notes:
1.
Benefits
Account
Value @
age 80
Monthly
Premium
Death /
TPD
Critical
Waiver of
Premium
150
300
100,000
100,000
1,800
3,600
708,600
633,700
150
300
425,300
457,600
150
300
100,000
100,000
1,800
3,600
395,200
454,700
150
300
1,800
3,600
201,200
310,600
150
300
100,000
100,000
1,800
3,600
176,200
308,400
150
300
100,000
2,400
3,600
176,500
189,700
200
300
100,000
100,000
2,400
3,600
160,700
188,900
200
300
100,000
100,000
3,000
3,600
112,500
90,600
250
300
100,000
100,000
3,000
3,600
110,000
93,800
250
300
100,000
100,000
3,600
40,000
11,700
300
100,000
100,000
3,600
50,100
19,400
300
Monthly premium consists of RM200 Regular Premium and RM100 Scheduled Top Up Premium
AIA confidential
and proprietary
information.
For
more details,
please
call Not
ourforFinancial
From nth
o
00/m
RM3
44
AFA
For lady customers who seek for

protection against female illnesses
and maternity protection.
45
AFA LADIES BEST COMPANION

Ladies are blessed with multiple roles in life.
Lady
Executive
Daughter
Mother
Wife/
Companion
AFA provides the best and comprehensive

female protection inclusive of:
1. 200% of the sum assured for female cancer.
2. Lump sum payment for Breast
Reconstructive Surgery Benefit.
3. Lady Care Services free referral when you
need household and automobile assistance.
4. Maternity Benefits
Ladies are at the higher risk to various dreaded illnesses due to hectic lifestyles.
1. Breast Cancer is the most common
cancer in female age range from 40-60
in Malaysia.
Source : National Cancer Registry, Ministry of Health
Malaysia
2. Cervix Uteri and Ovary Cancer are the

top 4 female cancer affect females
after 40 years old.
Source : National Cancer Registry, Ministry of Health
Malaysia
3. Rheumatoid arthritis affects about 5 in

1,000 people in Malaysia.
Source :
http://www.afm.org.my/info/rheumatoid_arthritis.php,
Arthritis Foundation of Malaysia (2009)
4. Women past their menopause face 2

times higher risk than male in
Osteoporotic fracture.
Malaysian Chinese were the highest
(63%), followed by Malays (20%) and
Indian (13%).
Source : International Osteoporosis Foundation (IOF)
Report, & http://www.mysinchew.com/node/30013
46
AIA Female Account (AFA)

AIA Female Account (AAA + A Lady/ A Elite Lady)
A specially designed protection plan for ladies from all walks of life against female dreaded illnesses.

Age 100
Special Lady
Coverage
AAA + A Lady
Return
AAA + A Elite Lady
Age
Death/
TPD
Lady
Benefit
Account Value
@ age 80
Monthly
Premium
Death/
TPD
Lady/ Maternity
Benefit
Account Value
@ age 80
Monthly
Premium
20
100,000
100,000
595,800
300
100,000
100,000
529,700
300
25
100,000
100,000
186,900
425,300
150
300
100,000
100,000
650,700
366,800
250
300
30
100,000
100,000
290,900
300
100,000
100,000
253,000
300
35
100,000
100,000
179,700
61,400
200
300
100,000
100,000
176,900
160,800
250
300
40
100,000
100,000
90,700
300
100,000
100,000
84,400
300
45
100,000
100,000
195,200
28,900
400
300
Notes:
1.
2.
3.
4.
Monthly premium consists of RM200 Regular Premium and RM100 Scheduled Top Up Premium
From nth
o
00/m
RM3
AIA confidential
and proprietary
information.
For
more details,
please
call Not
ourforFinancial
47
Packaged Plan for Multi Needs
AIA
One Solution
2 packages:
All-in-one Plan for males
All-in-one Plan for females
Comprehensive coverage for all
unexpected events.
48
AIA One Solution Male

AIA One Solution (AAA + ECP + MCP + CLR + MCLR + WPUL +EPA)
An all in one shield plan that protects you when unexpected incidents strike.
Life /TPD Protection

to Age 100
2 Medical
Coverage to Age
100
3 Comprehensive
Critical Illness
Coverage
4 Waiver of Premium
Accidental
Coverage
Return
49
AIA One Solution Male

AIA One Solution protects you from all unexpected events.
Benefits
Age
Medical
(R&B)
Enhance
d PA
CLR
MCLR
Waiver of
Premium
20
1,149,000
25
817,500
30
100,000
150
100,000
50,000
50,000
7,200
544,600
35
319,000
40
136,800
Notes:
1.
2.
3.
4.
Death /
TPD
Account
Value @ age
80
Monthly
Premium
600
AIA confidential
and proprietary
information.
For
more details,
please
call Not
ourforFinancial
50
AIA One Solution Female

AIA One Solution (AAA + ECP + MCP + CLR + MCLR + WPUL + A Elite Lady)
A comprehensive shield plan that protects you against unexpected events & illnesses.
Life /TPD Protection

to Age 100
2 Medical
Coverage to Age
100
3 Comprehensive
Critical Illness
Coverage
Special Lady
Coverage
4 Waiver of Premium
Critical illnesses
Return
51

AIA One Solution protects you from all unexpected events and female
related illnesses.
Benefits
Age
Medical
(R&B)
Critical
Illness
Waiver of
Premium
A Lady
Coverage
20
1,012,700
25
679,200
30
100,000
150
100,000
7,200
100,000
409,600
35
188,100
40
16,700
Notes:
1.
2.
3.
4.
Death /
TPD
Account Value
@ age 80
Monthly
Premium
600
AIA confidential
and proprietary
information.
For
more details,
please
call Not
ourforFinancial
52

AIA One Solution protects you from all unexpected events inclusive of
female related illnesses and maternity protection.
Benefits
Age
Medical
(R&B)
Critical
Illness
Waiver of
Premium
A Elite Lady
Coverage
Account Value
@ age 80
20
946,600
25
620,700
30
100,000
150
100,000
7,200
100,000
371,700
35
169,200
40
10,400
Notes:
1.
2.
3.
4.
Death /
TPD
Monthly
Premium
600
Monthly premium consists of RM300 Regular Premium and RM300Scheduled Top Up Premium.
AIA confidential
and proprietary
information.
For
more details,
please
call Not
ourforFinancial
53
Bonus Units Campaign is Back!!!

Campaign Period:
14 March 30 April, 2011
Up to 1% Extra Units
For EL and EL Plus, lower
upfront charge by 0.5%
(4.5% vs. 5.0%) for Single
Premium and/or Top-up
Premium RM50,000
54

Terms and Conditions:
1. Bonus Units for Adhoc Top-up Premium from RM20,000 and above.
Adhoc Top Up
Premium
Bonus Units
Plans Applicable
RM20,000 RM39,999
0.5% on Adhoc Top Up

Premium
RM40,000 and above
1.0% on Adhoc Top Up

Premium
Single Premium and

Regular Premium Cases
(New or Existing Policies)
2. Eligibility:
ExcelLink (EL), EL Plus, AIA Capital Builder (ACB), ACB Plus,
AAA, AEA, ARA, AAA Special, AEA Special.
All Investment-linked Funds
3. Entitlement of Bonus Units is per transaction basis and not
accumulative.
55
Bonus Units Entitlement

New Policy
1. Example on new purchase of Excellink Plus (EL Plus):
Encik Ahmad invests RM60,000 in EL Plus on 16th March, 2011.
ExcelLink Plus:
Adhoc Top-up Premium Amount
RM40,000
Fund Allocation
100 % in AIA Asia Opportunity Fund
AIA Asia Opportunity Fund Price
RM0.601 per unit*
* Please note that the fund price shown is just an assumption. It will be calculated based on the latest fund price at the
time you make the transaction which will be calculated on daily basis.
Bonus amount (on Top-up Premium)
= RM40,000 x 1% = RM400
= RM(400 / 0.601) = 666 units
For EL Plus, with Single Premium and/or Top-up Premium RM50,000,

your clients will enjoy a lower upfront charge by 0.5% (4.5% vs. 5.0%)
and at the same time earn bonus units of up to 1% of Adhoc Top-up
Premium.
56

New Policy
2. Example on new purchase of AIA Assurance Account (AAA):
Ms. Jenny buys a AAA policy with Annual Premium of RM2,400 and she
enhances her account value by an Adhoc Top-up Premium of
RM20,000 to enjoy the extra units from this campaign.
AAA:
RM20,000
Fund Allocation
RM0.601 per unit*
= RM20,000 x 0.5% = RM100
= RM(100 / 0.601) = 166 units
57

Existing Policy
3. Example on existing policy with Adhoc Top-up Premium of AIA Capital
Builder Plus (ACB Plus):
Mr. Chong makes an Adhoc Top-up premium of RM30,000 in his
existing ACB Plus policy.
AAA:
RM30,000
Fund Allocation
RM0.601 per unit*
= RM30,000 x 0.5% = RM150
= RM(150 / 0.601) = 250 units
58

14 March 30 April, 2011
100 prizes to be won
Applicable for Ad Hoc Top Up
premium only
Top 100
Qualifiers
Item
Min Cumulative Ad Hoc

Top-up Premium
1st to 5th
Samsung 40" LED TV
RM 500,000.00
6th to 20th
Apple iPad v1 32GB
RM 300,000.00
21st to 50th
Samsung Home
Theatre System
RM 120,000.00
51st to 100th
Olympus Digital
Camera
RM 60,000.00
59
Thank You!
60

ILP Workshop - March 2011: by Marketing Department

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AIA confidential and proprietary information. Not for distribution.

Managing and mitigating your risk in ILPs

Dollar-Cost-Averaging Concept in ILPs

Needs base selling in ILPs

Bonus Units Campaign

AIA confidential and proprietary information. Not for distribution.

Are We Heading for Another Crisis?

AIA confidential and proprietary information. Not for distribution.

Where is the safe haven under current crisis?

Lets face it. We cant avoid risk no matter where we place

AIA confidential and proprietary information. Not for distribution.

Managing and mitigating your risk in ILPs

AIA confidential and proprietary information. Not for distribution.

1. Dont panic. Stay invested if you are already in the market

AIA confidential and proprietary information. Not for distribution.

Dont panic. Stay invested.

AIA confidential and proprietary information. Not for distribution.

Dont panic, stay invested

AIA confidential and proprietary information. Not for distribution.

2. Diversify your Portfolio

AIA confidential and proprietary information. Not for distribution.

Diversify your Portfolio

Investor B yields better return through

3. Dollar Cost Averaging (DCA)

AIA confidential and proprietary information. Not for distribution.

DCA reduces the risk to time the market

Average Unit Cost to you over the 5 year period

DCA reduces the risk to time the market

14,300 20,000 00 20,000

Fund A - Total 24,350 units @ RM3.00 = RM 73,050

Investors reactions during crisis

AIA confidential and proprietary information. Not for distribution.

Investors reaction during crisis

Fund A Monthly Unit Price Movement

AIA confidential and proprietary information. Not for distribution.

Investors reaction during crisis

AIA confidential and proprietary information. Not for distribution.

March 31, 1997 @ RM0.727 per unit

Investors reaction during crisis

Fund value upon withdrawal = 13,749.48 units X RM0.4959 = RM6,818.37

Investors reaction during crisis

Fund A Monthly Unit Price Movement

Waited for the next cycle to sell off.

Investors reaction during crisis

Fund A Monthly Unit Price Movement

Investor invested RM10,000 initially at RM0.7273 per unit

Capital invested = RM110,000

Total fund value as at 31/12/07 = RM1.0717 X 209,007 units = RM223,993

Dont panic, stay invested

AIA confidential and proprietary information. Not for distribution.

What are the investment-linked funds available in AIA ?

Target Asset Allocation

1. AIA Managed Fund

2. AIA Equity Fund

3. AIA Fixed Income Fund

4. AIA Dana Progresif

5. AIA Medium Cap Fund

Jul 16, 2001

6. AIA Aggressive Fund

7. AIA Dana Dinamik

AIA confidential and proprietary information. Not for distribution.