Investment-Linked funds

are an important part of any Investment-Linked Plan. They enable our customers to build and
protect their wealth which is why it is crucial to understand your customer’s risk profile as
you recommend suitable fund(s) to achieve their investment objectives.

STEP 1
STEP1 STEP 2
ASSESS YOUR CUSTOMER’S RISK PROFILE OBTAIN YOUR CUSTOMER’S RISK SCORE
(from the Customer Fact Find Form (CFF)) & PROFILE (from CFF)

• Age • 5 – 9 > Conservative

• Investment experience • 10-14 > Moderate Conservative
• Investment tenure • 15 – 19 > Balance
• Investment objective • 20 – 24 > Moderate Aggressive
• Risk Tolerance • 25 > Aggressive

STEP 3
UNDERSTAND YOUR CUSTOMER’S RISK PROFILE

Risk Profile Customer Risk Profile Description (from CFF)

Conservative You are conservative in your investments and prefer low risk products. You are not willing
to accept some short-term fluctuations in the value of your investments.

Moderate You are moderately conservative in your investment and prefer a low to medium
Conservative long-term investment.

Balance You are willing to accept moderate short-term fluctuations in the value of your
investments over a medium to long investment term.

Moderate You are willing to accept some short-term fluctuations in the value of your investments
Aggressive over a medium to long investment term.

Aggressive You are willing to accept greater short-term fluctuations in the value of your investments
over a long investment term.

Important Note: Investment-Linked Fund is a feature of an insurance product that is tied to the performance of the underlying assets, and is not a pure
investment product such as Unit Trusts. Actual returns of the fund will fluctuate (i.e. rise or fall) each year based on the performance of the assets the fund(s)
invested in.
Disclaimer: This document is not a sales material and cannot be used for circulation to prospects. It serves only as a guide to agent. Past performance is not a
guide to future returns. All investment strategies have the potential for profit and loss.
Investment-Linked Plan Fund Guidance

STEP 4a CHOOSE THE FUND THAT SUITS YOUR CUSTOMER’S RISK PROFILE
(for conventional ILP plan)
LOCAL FUNDS LOCAL & FOREIGN FUNDS ASIAN & EMERGING GLOBAL FUNDS
MARKETS FUNDS

AIA Aggressive Fund (5) AIA Strategic Equity AIA Asia Opportunity AIA International
Fund (5) Fund (5) Small Cap Fund (5)
AIA Equity Plus
Fund (4,5) AIA New AIA Asia Platinum AIA International
HIGH Horizon Fund (5) Fund (5) High Dividend Fund
(4,5)
RISK FUND AIA Medium Cap Fund (5)
AIA Asian Equity
AIA Dana Dinamik (5) Fund (5) AIA Elite Adventurous
Fund (4,5)

AIA Equity Dividend AIA Strategic Fixed Not Applicable AIA Eleven Plus Fund
Fund (3,4) Income Fund (2) (3,4)
AIA Balanced Fund (2,3) AIA Asian Debt Fund
MODERATE (2,3)
RISK FUND AIA Dana Progresif (2,3)
AIA Elite Conservative
Fund (2,3)

AIA Fixed Income Fund

(1,2)
AIA Dana Bon (1,2)
LOW Not Applicable Not Applicable Not Applicable
RISK FUND

Note:
1: Conservative 2: Moderately Conservative 3: Balanced 4: Moderately Aggressive 5: Aggressive Spotlight Fund

STEP 4b Choose the fund that suits your customer’s risk profile
(for Takaful plan)

LOCAL FUNDS LOCAL & FOREIGN FUNDS

HIGH RISK FUND A-Dana Equity (4,5) A-Dana Strategic Equity (5)

MODERATE RISK FUND A-Dana Balanced (2,3) Not Applicable

LOW RISK FUND A-Dana Income (1,2) Not Applicable

Note:
1: Conservative 2: Moderately Conservative 3: Balanced 4: Moderately Aggressive 5: Aggressive Spotlight Fund

Important Note: Investment-Linked Fund is a feature of an insurance product that is tied to the performance of the underlying assets, and is not a pure
investment product such as Unit Trusts. Actual returns of the fund will fluctuate (i.e. rise or fall) each year based on the performance of the assets the fund(s)
invested in.
Disclaimer: This document is not a sales material and cannot be used for circulation to prospects. It serves only as a guide to agent. Past performance is not a
guide to future returns. All investment strategies have the potential for profit and loss.
Investment-Linked Plan Fund Guidance SPOTLIGHT FUNDS

HIGH RISK FUND

AIA AGGRESSIVE FUND AIA DANA DINAMIK

Invests in a diversified portfolio of Malaysian stocks in Invests in Shariah-approved securities listed on Bursa
which the fund takes a more concentrated position in Malaysia in order to maximize medium to long-term
sector and stock positioning. Types of instruments capital appreciation on your investment.
include cash, equities and warrants.

ACTUAL BENCHMARK ACTUAL BENCHMARK

37.72%*
40 30.40%*
40
21.49%*
20 12.03% 20 16.52%*
4.19% 3.50%*
-8.28%* -0.13%* -0.35% -3.16% 0.24%*

1-YEAR 3-YEAR 5-YEAR 1-YEAR 3-YEAR 5-YEAR

#1 for 3-Years and 5-years Peer Ranking Quartile #1 for 3-Years and 5-years Peer Ranking Quartile

AIA ELITE ADVENTUROUS FUND AIA STRATEGIC EQUITY FUND

Seeks long-term total returns by investing in a portfolio The fund aims to maximize medium to long term
of mostly equities and a small proportion of fixed income growth through investments in a diversified portfolio of
securities. The fund’s expected average exposure to equities listed on local and foreign bourses.
equities will be approximately 90% over the long-term,
however, this exposure may vary from time to time. The
other 10% will be invested in fixed income or money
market instruments.

ACTUAL BENCHMARK ACTUAL BENCHMARK

40 40
25.58%
23.22%
20 20 10.98% 10.93%

1-YEAR 1-YEAR

Source: Performance data is from AIA Group Investment as of August 2021; Peer ranking is tabulated based on performance data extracted from LIAM’s website
Note: A minimum of four peers (including AIA) is required for peer ranking to be conducted. Quartile ranking of #1 denotes that the Fund is at the top 25% of its peer group
in terms of return performance.
Disclaimer: This document is not a sales material and cannot be used for circulation to prospects. It serves only as a guide to agent. Past performance is not a guide to future
returns. All investment strategies have the potential for profit and loss.
*Bar charts for 3-year and 5-year performance are on a cumulative basis.
For more information on the ILP Funds, please CLICK HERE
Investment-Linked Plan Fund Guidance SPOTLIGHT FUNDS

MODERATE RISK FUND

AIA ELITE CONSERVATIVE FUND AIA DANA PROGRESIF

Seeks long-term total return and at the same time Focuses on Shariah-approved securities listed on
minimises short term capital risk by investing in a Bursa Malaysia and Shariah-approved debt securities
portfolio of equities and fixed income securities. The in order to maximize medium to long-term capital
fund’s expected average exposure to equities will be appreciation on your investment.
approximately 30% over the long-term and the other
70% will be invested in fixed income or money market,
however this exposure may vary.

ACTUAL BENCHMARK ACTUAL BENCHMARK

40 40
23.19%* 21.82%*
20 20
9.25% 9.67% 5.06%*
9.28%*
2.11%

-2.54%
1-YEAR
1-YEAR 3-YEAR 5-YEAR

AIA STRATEGIC FIXED INCOME FUND AIA BALANCED FUND

Focuses on maximising total returns by investing in a Invests actively in ringgit corporate bonds, debts
mix of Malaysian and USD-denominated fixed income securities issued or guaranteed by the Government of
securities, including collective investment schemes, Malaysia or its agencies and Malaysian equities &
and money market instruments. USD-denominated warrants.
investments are primarily focused on investment
grade and high yield opportunities across Asia and the
US, as well as other fixed income securities.
ACTUAL BENCHMARK ACTUAL BENCHMARK

40 40
23.65%*
20 20 16.28%*
6.49%*
0.09% 2.53% 2.96%

-0.27% -1.50%*

1-YEAR 1-YEAR 3-YEAR 5-YEAR

#1 for 3-Years and 5-years Peer Ranking Quartile

Source: Performance data is from AIA Group Investment as of August 2021; Peer ranking is tabulated based on performance data extracted from LIAM’s website
Note: A minimum of four peers (including AIA) is required for peer ranking to be conducted. Quartile ranking of #1 denotes that the Fund is at the top 25% of its peer group
in terms of return performance.
Disclaimer: This document is not a sales material and cannot be used for circulation to prospects. It serves only as a guide to agent. Past performance is not a guide to future
returns. All investment strategies have the potential for profit and loss.
*Bar charts for 3-year and 5-year performance are on a cumulative basis.
For more information on the ILP Funds, please CLICK HERE
Investment-Linked Plan Fund Guidance SPOTLIGHT FUNDS

LOW RISK FUND

AIA DANA BON AIA FIXED INCOME FUND

Focuses on maximising total returns by mainly Focuses on maximising total returns by mainly
investing in investment grade Shariah-approved bonds investing in Malaysian investment grade bonds and
(sukuk) and Shariah-approved money market Malaysian money market instruments.
instruments in Malaysia.

ACTUAL BENCHMARK ACTUAL BENCHMARK

40 40
26.97%* 26.16%* 24.59%*
20 16.89%* 16.38%* 20 16.76%* 17.93%*
8.67%*
1.97%

-0.82% -0.37% -0.41%

1-YEAR 3-YEAR 5-YEAR 1-YEAR 3-YEAR 5-YEAR

#2 for 3-Years and 5-years Peer Ranking Quartile

Source: Performance data is from AIA Group Investment as of August 2021; Peer ranking is tabulated based on performance data extracted from LIAM’s website
Note: A minimum of four peers (including AIA) is required for peer ranking to be conducted. Quartile ranking of #1 denotes that the Fund is at the top 25% of its peer group
in terms of return performance.
Disclaimer: This document is not a sales material and cannot be used for circulation to prospects. It serves only as a guide to agent. Past performance is not a guide to future
returns. All investment strategies have the potential for profit and loss.
*Bar charts for 3-year and 5-year performance are on a cumulative basis.
For more information on the ILP Funds, please CLICK HERE
Investment-Linked Plan Fund Guidance SPOTLIGHT FUNDS
For Takaful Plan ONLY

HIGH RISK FUND

A-DANA EQUITY A-DANA STRATEGIC EQUITY

Aim to provide medium to long-term growth by Aims to maximise medium to long term capital growth
investing in Shariah-approved equities, Real Estate through investments in a diversified portfolio of
Investment Trusts (REITs) and equity-related Shariah-compliant securities listed on local and
securities listed on Bursa Malaysia. foreign bourses.

ACTUAL BENCHMARK

40 FUND LAUNCH DATE: 1 MAY 2021

21.30%* 20.60%*
20
0.84% 2.89% 0.12%* 3.37%*

1-YEAR 3-YEAR 5-YEAR

MODERATE RISK FUND LOW RISK FUND

A-DANA BALANCED A-DANA INCOME

Invest in ringgit denominated Shariah compliant Focuses on maximising total returns comprising mainly
instruments including sukuk, equity, and unit trusts. investments in investment grade Shariah-approved
Asset allocation is actively managed to maximise bonds (Sukuk) and Shariah-approved money market
risk-adjusted return. instruments in Malaysia.

ACTUAL BENCHMARK ACTUAL BENCHMARK

40 40
27.30%* 28.51%*
25.90%*
20 20 18.06%* 16.38%*
9.28%* 8.67%*
5.06%*
2.87% 1.97%

-2.54% -0.50%

1-YEAR 3-YEAR 5-YEAR 1-YEAR 3-YEAR 5-YEAR

Source: Performance data is from AIA Group Investment as of August 2021; Peer ranking is tabulated based on performance data extracted from LIAM’s website
Note: A minimum of four peers (including AIA) is required for peer ranking to be conducted. Quartile ranking of #1 denotes that the Fund is at the top 25% of its peer group
in terms of return performance.
Disclaimer: This document is not a sales material and cannot be used for circulation to prospects. It serves only as a guide to agent. Past performance is not a guide to future
returns. All investment strategies have the potential for profit and loss.
*Bar charts for 3-year and 5-year performance are on a cumulative basis.
For more information on the ILP Funds, please CLICK HERE
Investment-Linked Plan Fund Guidance

CONVENTIONAL ILP PLANS

FUND FUND ASSET 31 Dec 2019 - 31 Dec 2019 - 31 Dec 2018 - 31 Dec 2018 - 31 Dec 2017 - 31 Dec 2017 -
NAME RISK ALLOCATION 31 Dec 2020 31 Dec 2020 31 Dec 2019 31 Dec 2019 31 Dec 2018 31 Dec 2018
LEVEL (BENCHMARK) (BENCHMARK) (BENCHMARK)

AIA Elite Adventurous High

Fund Risk Equity 9.76%* 10.33% N/A N/A N/A N/A

AIA Strategic Equity High Equity 43.37%** 22.90% N/A N/A N/A N/A
Fund Risk

AIA Aggressive Fund High

Risk Equity 28.95% 3.95% 6.28% -2.57% -19.26% -8.65%

AIA Dana Dinamik High

Risk Equity 23.49% 10.24% 7.10% 3.84% -17.43% -12.70%

AIA Balanced Fund Moderate

Risk Balanced 16.43% 5.13% 4.30% 0.64% -8.44% -5.46%

AIA Dana Progresif Moderate

Risk Balanced 20.72% 9.76% 8.43% 5.31% -12.88% -8.35%

AIA Elite Conservative Moderate

Fund Risk Balanced 0.54%* 1.97% N/A N/A N/A N/A

AIA Strategic Fixed Moderate

Income Fund Risk Fixed Income 0.16%** 0.78% N/A N/A N/A N/A

AIA Fixed Income Fund Low

Risk Fixed Income 5.94% 8.00% 8.98% 9.16% 5.07% 3.60%

AIA Dana Bon Low Fixed Income 5.98% 2.41% 9.55% 3.49% 5.73% 3.63%
Risk

TAKAFUL PLANS

FUND FUND ASSET 31 Dec 2019 - 31 Dec 2019 - 31 Dec 2018 - 31 Dec 2018 - 31 Dec 2017 - 31 Dec 2017 -
NAME RISK ALLOCATION 31 Dec 2020 31 Dec 2020 31 Dec 2019 31 Dec 2019 31 Dec 2018 31 Dec 2018
LEVEL (BENCHMARK) (BENCHMARK) (BENCHMARK)

High
A-Dana Equity Risk Equity 23.84% 9.84% 7.52% 3.84% -16.82% -12.70%

A-Dana Strategic High

Equity Risk Equity N/A N/A N/A N/A N/A N/A

A-Dana Balanced Moderate

Risk Balanced 21.62% 9.76% 7.56% 5.31% -10.80% -8.35%

A-Dana Income Low

Risk Fixed income 6.84% 2.41% 9.44% 3.49% 5.94% 3.63%

Source: Performance data is from AIA Group Investment as of August 2021.

Disclaimer: This document is not a sales material and cannot be used for circulation to prospects. It serves only as a guide to agent. Past performance is not a guide to future
returns. All investment strategies have the potential for profit and loss.
Note: The above returns are computed based on the Net Asset Value (i.e. unit price) of the respective AIA Investment Funds and not on the gross premium paid under the
policy. (Warning statement: this is strictly the performance of the investment fund, and not the returns earned on the actual premiums/contributions paid of the
Investment-Linked Insurance plan.)
* Performance is based from the fund's launch date (3 August 2020) until 31 December 2020 (non-annualised return).
** Performance is based from the fund's launch date (6 May 2020) until 31 December 2020 (non-annualised return).
For more information on the ILP Funds, please CLICK HERE