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Maybank2u Wealth – New Features

Frequently Asked Questions (FAQ)
Updated 13 August 2020

Contents
Wealth360 .................................................................................................................................................... 3
Q: What are assets and liabilities? .......................................................................................................... 3
Q: Where can I access this feature?......................................................................................................... 3
Q: What do the colours on the pie chart indicate? ................................................................................. 3
Q: How often are the balances updated?................................................................................................ 3
Q: Is this service only offered to Maybank2u account holders? ............................................................ 3
Q: How are “Total Assets” and “Total Liabilities” calculated? ............................................................... 3
Q: How are the percentages in the pie chart calculated? ....................................................................... 3
Q: How are negative balances treated? .................................................................................................. 4
Q: How are structured products treated? ............................................................................................... 4
Q: My banking information is not appearing correctly, what do I do? .................................................. 4
Q: Is this service only offered to Maybank2u account holders? ............................................................ 4
Q: Who can I call for any enquiries with regards to Maybank’s products? ........................................... 4
Disclaimer ................................................................................................................................................. 4
Asset Classification ....................................................................................................................................... 5
Q: What is an asset class? ........................................................................................................................ 5
Q: Where can I access this feature?......................................................................................................... 5
Q: What products are covered? ............................................................................................................... 5
Q: What is in the Fixed Income asset class? ............................................................................................ 5
Q: What is in the Equity asset class? ....................................................................................................... 5
Q: What is in the Alternative asset class? ............................................................................................... 5
Q: What is in the Cash asset class? .......................................................................................................... 5
Q: What does ‘Money Market’ inside the Cash asset class mean? ........................................................ 6
Q: How are Unit Trusts treated? .............................................................................................................. 6
Q: How are Exchange Traded Funds treated? ......................................................................................... 6
Q: How are foreign currency assets treated? .......................................................................................... 6
Q: How often are the asset classifications updated? .............................................................................. 6
Q: How can I see a further breakdown of each asset class? ................................................................... 6

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Q: I see a percentage number inside the pie chart. What is this number? ............................................ 6
Q: Is this service only offered to Maybank2u account holders? ............................................................ 7
Q: Who can I call for any enquiries with regards to Maybank’s products? ........................................... 7
Disclaimer ................................................................................................................................................. 7

The term "Maybank" as used in this document refers to Malayan Banking Berhad, except insofar as it is used as part of the name of a product or
service. The term "the Maybank Group" refers to Malayan Banking Berhad and its subsidiaries, either individually and/or collectively as the
context requires. The term “Maybank2u” refers to the website maybank2u.com.my and/or the maybank2u mobile application (respectively and
collectively referred to as “Maybank2u”, as the case may be) and all information, products and services provided via Maybank2u.

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Wealth360

Q: What are assets and liabilities?

A: Assets are accounts or products that a Maybank2u customer owns; liabilities are accounts or products
that a Maybank2u customer owes.

Q: Where can I access this feature?

A: Login to your Maybank2u account via www.maybank2u.com.my. Then select the “Wealth” page to view.

Q: What do the colours on the pie chart indicate?

A: An orange colour will show how much money you owe and a blue colour will show how much money
you have in Maybank.

Q: How often are the balances updated?

A: The frequency of balance updates varies from product to product, please refer to the following table:
Category Maybank Product Balance as of
Savings Account, Current Account, Overdraft Real-time
Fixed Deposits Real-time
Master-Foreign Currency Account Yesterday
Maybank Gold or Silver Investment Account Yesterday
Local or Foreign Unit Trusts Yesterday
Asset Local or Foreign Retail Bonds Yesterday
Local or Foreign Shares Yesterday
Structured Products Yesterday
Dual Currency Investments Yesterday
Tabung Haji Yesterday
ASNB Yesterday
Conventional Hire Purchase, Conventional Personal Loan, Islamic Term
Last Hour
Financing, Term Loan – Home, Personal Islamic Loan, Islamic Hire Purchase
Liability
ASB Financing Last Hour
Credit Card Last Settlement

Q: Is this service only offered to Maybank2u account holders?

A: Yes. This service is currently only available to Maybank2u account holders. If you are interested in this
service, navigate to www.maybank2u.com.my/home/m2u/common/signup.do to register for a
Maybank2u account today!

Q: How are “Total Assets” and “Total Liabilities” calculated?

A: “Total Assets” represents the total value of all your individual asset holdings; “Total Liabilities”
represents the total value of all your individual liability holdings.

Q: How are the percentages in the pie chart calculated?

A: The percentages are representative of “Total Assets” or “Total Liabilities” as a proportion of the absolute
sum of your asset and liability holdings. (e.g. “Total Assets” = RM10,000 and “Total Liabilities” = RM10,000,
the percentage of “Total Assets” would be RM10,000/RM20,000 = 50.00%). Bear in mind that the
percentages are rounded up to the nearest two decimals.

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Q: How are negative balances treated?

A: Negative balances (e.g. overpaid credit cards) will appear as a negative value.

For example, if the initial amount owing on a credit card is RM500, but the customer transfers RM1,000
from savings account to pay the credit card, this will result in an RM500 negative credit card balance (i.e.
customer has overpaid, and is owed this amount by the bank).

Q: How are structured products treated?

A: Only the book value of the structured product is displayed in Wealth360. This may vary from the actual
amount redeemable at maturity, or upon early redemption.

Q: My banking information is not appearing correctly, what do I do?

A: Please contact Maybank Group Customer Care at 1-300-88-6688 or email us at
mgcc@maybank.com.my stating the name of the Maybank product along with relevant screenshots of the
issue.

Q: Is this service only offered to Maybank2u account holders?

A: Yes, this service is only accessible to Maybank2u account holders. If you are already a Maybank
customer but have not activated your Maybank2u access, navigate to www.maybank2u.com.my and click
the “Register Now” button to do so. If you are not yet a Maybank customer, navigate to
www.maybank2u.com.my and click the “Open Account” button at the bottom of the page, or visit any
Maybank branch.

Q: Who can I call for any enquiries with regards to Maybank’s products?
A: Please contact Maybank Group Customer Care at 1-300-88-6688 or email us at
mgcc@maybank.com.my.

Disclaimer
The value of foreign currency denominated products in the Wealth360 display are converted into
Malaysian Ringgit using the average of Maybank’s Buying and Selling TT Foreign Exchange rates. Please
note that this is solely for reference purposes only, and it is not an executable exchange rate. As such, the
value of such foreign currency denominated products on the Wealth360 display does not reflect the
bid/offer costs of converting foreign currency into Malaysian Ringgit. The Wealth360 display is strictly for
reference purposes only, and is not to be construed as a statement of account. Maybank Group does not
warrant, represent or guarantee the accuracy, completeness, applicability or timeliness of the information
in this display. Maybank Group also reserves the right to change the sources of data or methodology used
in deriving the Wealth360 display at any time without prior notice.

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Asset Classification

Q: What is an asset class?

A: An asset class can be defined as a group of investment assets that show similar economic characteristics
to each other. The Asset Classification display breaks down your investment portfolio into four broad asset
classes: Fixed Income, Equity, Cash and Alternatives.

Fixed Income Debt instruments representing a promise to repay borrowed money. For example,
corporate bonds and government bonds.
Equity Shares and other securities representing an ownership interest.
Cash Short-term liquid assets, such as bank deposits.
Alternatives Non-traditional investments such as gold and REITs.

Q: Where can I access this feature?

A: Login to your Maybank2u account via www.maybank2u.com.my. Next, select the “Wealth” page and
then click on “Asset Classification”.

Q: What products are covered?

A: The Asset Classification display currently covers the following products:
1. Savings Account
2. Current Account
3. Fixed Deposit
4. Master-Foreign Currency Account (MFCA)
5. Maybank Gold Investment Account (MGIA)
6. Maybank Silver Investment Account (MSIA)
7. Unit Trust
8. Shares

Q: What is in the Fixed Income asset class?

A: This refers to corporate and government debt, including fixed income instruments held by Unit Trusts
or ETFs that you own.

Q: What is in the Equity asset class?

A: This refers to listed shares, including shares held by Unit Trusts and Exchange Traded Funds (ETFs) that
you own. However, it excludes Real Estate Investment Trusts (REITs) and non-equity Exchange Traded
Funds (ETFs).

Q: What is in the Alternative asset class?

A: This includes investments in any asset class excluding Fixed Income, Equities and Cash. This may include
precious metals (gold, silver), REITs, commodities, hedge funds or financial derivatives.

Q: What is in the Cash asset class?

A: This includes the balances in your Savings Account, Current Account, Fixed Deposits, Master Foreign
Currency Account and money market holdings within your Unit Trust funds.

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Q: What does ‘Money Market’ inside the Cash asset class mean?
A: This refers to the cash holdings of Unit Trusts that you invest in. Please note that this cash held by a Unit
Trust cannot be directly accessed by investors in the fund; it is included in the Asset Classification
breakdown solely for reference purposes only.

Q: How are Unit Trusts treated?

A: Unit Trusts are broken down into the separate asset classes held by the Unit Trust. Note that this is for
reference purposes only, because the investor in a Unit Trust only has rights to the units that they own,
and not to the underlying assets held by the Unit Trust.

Q: How are Exchange Traded Funds treated?

A: Exchange Traded Funds are classified based on their primary asset class exposure. For example, an ETF
tracking an equity index is classified under the Equity asset class. Equally, an ETF tracking a bond index
would be classified as Fixed Income.

Q: How are foreign currency assets treated?

A: The value of foreign currency denominated products are converted into Malaysian Ringgit using the
average of Maybank’s Buying and Selling TT Foreign Exchange rates. Please note that this is solely for
reference purposes only, and it is not an executable exchange rate. As such, the value of such foreign
currency denominated products does not reflect the bid/offer costs of converting foreign currency into
Malaysian Ringgit.

Q: How often are the asset classifications updated?

A: Generally, the account and product balances covered by the Asset Classification display are updated at
the same frequency as for the Wealth360 display (see previous section). The asset class breakdowns for
Unit Trusts are updated as and when such information is made publicly available. The asset classifications
for ETFs and REITs are updated on a periodic basis.

Q: How can I see a further breakdown of each asset class?

A: There are several breakdown levels in the pie chart. Simply click on the relevant asset class in the pie
chart to see a further breakdown. Press the “back” button to return to the previous level of the pie chart.

Asset Class Breakdowns

Equity Fixed Income Cash Alternatives

 Local / Global  Local / Global  Account Type  Asset Type
 Region  Developed/Emerging  Currency  Sub-Type
 Sub-Region  Region

Q: I see a percentage number inside the pie chart. What is this number?
A: This percentage number only appears after you click on an asset class breakdown. It represents the
total value of this breakdown in the previous level of the pie chart.

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Q: Is this service only offered to Maybank2u account holders?

A: Yes, this service is only accessible to Maybank2u account holders. If you are already a Maybank
customer but have not activated your Maybank2u access, navigate to www.maybank2u.com.my and click
the “Register Now” button to do so. If you are not yet a Maybank customer, navigate to
www.maybank2u.com.my and click the “Open Account” button at the bottom of the page, or visit any
Maybank branch.

Q: Who can I call for any enquiries with regards to Maybank’s products?
A: Please contact Maybank Group Customer Care at 1-300-88-6688 or email us at
mgcc@maybank.com.my.

Disclaimer
The Asset Classification display is provided on an "as is" and "as available" basis. Maybank Group does not
warrant, represent or guarantee the accuracy, completeness or timeliness of this display, nor of its
applicability to your individual needs and circumstances. Maybank Group accepts no liability for any
damages or costs of any type arising from your use of this display.

Nothing in the Asset Classification display is to be treated as an offer, invitation or solicitation to invest in
any investment products, nor as investment advice or any other form of advice. You must seek your own
independent advice before deciding to enter into any transactions.

Maybank Group may refer to both internal data sources as well as data sourced from third-party providers
in deriving the asset classification breakdowns of unit trusts, ETFs and other investments in your portfolio.
In addition, Maybank Group or these third-parties may make necessary assumptions or approximations
where there is insufficient available information. Neither Maybank Group nor these third-parties warrants,
represents or guarantees the accuracy, completeness, applicability or timeliness of such information or
analysis. Maybank Group reserves the right to change the sources of data or methodology used in deriving
the Asset Classification display at any time without prior notice.

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