Takafulink Single Invest

Takafulink Single Invest

All about making your money work harder and smarter.

If you're looking for a means to invest your hard earned money, look no further than Takafulink Single Invest Plan. The Takafulink Single Invest Plan is ideal for those with medium to long-term financial objectives, and allows you to pool your money with other investors so that all participants benefit from the fund management expertise of seasoned fund managers in various portfolios selected by you.

  • English

    Why should I choose this plan?

    Wakalah Model

    Zurich Takaful operates under the principle of Wakalah, whereby the Takaful Operator acts as an agent to the Participant for managing the operations of the Takaful business. A Wakalah Fee will be charged up-front from the contributions paid. Tabarru’ (donation) will be deducted to the PRIA, where it will be used for mutual aid and assistance, based on the concept of TakafuI. The benefits are paid from the PRIA only upon a covered loss, and not upon maturity or surrender of the certificate.Surplus Sharing (if any) at the end of each financial year will be shared between the Participant andZurich TakafuI at 50:50 ratio based on Hibah (gift) contract. The investment profit earned on the PIA is derived from the return on underlying assets and Zurich Takaful charges a Wakalah Tharawat Fee (Fund Management Fee) for managing these assets. The investment risk in PIA is fully borne by the Participant. I00% of investment profit earned, net of tax, less the aforementioned Wakalah Tharawat Fee will remain in the PIA for the benefit of the Participant. There will be no further sharing of the investment profit arising in the PIA with Shareholders.

    What benefits do I get?

    Takafulink Single Invest - Assistance In Times Of Need

    Assistance In Times Of Need

    Upon death of the participant before the expiry of the certificate term, the greater of Sum Covered or PIA fund value becomes payable. Should Total and Permanent Disability (TPD) strike before the age of 65, the same also becomes payable. The Sum Covered is an amount determined as follows; 130% of the Initial Contribution PLUS 130% of Top-up (at inception only, if any) reduced proportionately by any Partial Withdrawal units made.

    Takafulink Single Invest - Upon Maturity

    Upon Maturity

    You will receive the full value of your investment value in PIA, based on the current unit price at the time of maturity.

    Takafulink Single Invest - Easy Withdrawals For Greater Financial Flexibility

    Easy Withdrawals For Greater Financial Flexibility

    The minimum amount you can withdraw is RM500 and this is also subject to a minimum investment balance of RM5,000 maintained in the PIA fund, at any time.

    Takafulink Single Invest - Top Up Anytime That You Want

    Top-Up anytime that you want

    The minimum top-up is RM500.

    Takafulink Single Invest - Choice Of Funds

    Choice of funds

    Takafulink Single Invest offers a selection of Zurich Takaful Shariah Funds to choose in order to suit the individual's appetite.

    What are the fees and charges imposed for this plan?

    Wakalah Fee

    For Initial/Top-up Contributions

    i) Below RM1,000,000 = 5.00%

    ii) RM1,000,000 & above = 4.75%

    Plus, service fee of RM100¹ and RM25¹ for Initial Contribution and Top-up Contributions, respectively.
    The allocated 95%* of Initial/Top-up Contributions
    Less than RM100/RM25, respectively, is available for investment in the Participant Investment Account.
    *For contribution below RM1,000,000

    Wakalah Tharawat Fee A range of 1.00% - 1.50% per annum, determined based on the weighted average of total gross assets of each Zurich Takaful Shariah Fund.
    Partial Withdrawal Charge Minimum Withdrawal Amount: RM500
    Minimum Investment Balance: RM5,000
    Charge per Withdrawal: RM50¹
    Fund Switching Fee Minimum Switching Amount: RM500
    Switching Fee: One free switch is allowed in each certificate year. Subsequent switches will incur fee of RM50¹ per switch.
    Tabarru’ Based on attained age, sex and Sum Covered.

    There are no charges on full surrender. Partial withdrawal or full surrender of an investment may be made by redeeming units in PIA. The Surrender Value is the PIA value** plus unearned portion of Tabarru’ less any indebtedness.
    ** The PIA value will fluctuate based on the underlying performance of Takafulink Single Invest funds and is not guaranteed.

    The fees & charges are subject to revision from time to time by the Takaful Operator. The Takaful Operator has the right to revise the fees & charges by giving certificate holders 3 months’ notice in writing prior to the certificate anniversary date.

    ¹ This fee is subject to 6% Goods & Services Tax (GST) effective 1st April 2015. Your obligation to pay GST shall form part of the Terms and Conditions in your Takaful Certificate.

    Who is eligible for this plan?

    This plan covers anyone from the age of 30 days old up to 69 years old. However, the Participant/Applicant must be at least 18 years old and above.

  • Bahasa Malaysia

    Kenapa saya perlu pilih pelan ini?

    Model Wakalah

    Zurich Takaful beroperasi di bawah prinsip Wakalah di mana Pengendali Takaful selaku agen mengendalikan operasi perniagaan Takaful kepada Peserta. Yuran Wakalah akan dikenakan sekali bersama dengan caruman yang dibayar. Jumlah Tabarru’ akan dimasukkan ke dalam Akaun Pelaburan Risiko Peserta (APRP) di mana ia akan digunakan untuk membantu Peserta lain berdasarkan Konsep Takaful. Manfaat akan dibayar daripada APRP hanya untuk kerugian yang dilindungi, dan bukanlah semasa Sijil matang atau penyerahan Sijil. Lebihan pada setiap akhir tahun kewangan (jika ada) akan dikongsi antara Peserta dan Zurich Takaful mengikut nisbah 50:50 berdasarkan kontrak Hibah (hadiah). Keuntungan daripada pelaburan yang diperolehi daripada Akaun Pelaburan Peserta (APP) adalah berdasarkan kepada aset yang disandarkan dan Zurich Takaful akan mengenakan bayaran Yuran Wakalah Tharawat (Yuran Pengurusan Dana) untuk menguruskan aset tersebut. Risiko pelaburan di dalam APP ditanggung sepenuhnya oleh Peserta. 100% keuntungan pelaburan selepas cukai akan kekal di dalam APP untuk manfaat Peserta. Tiada perkongsian ke atas sebarang keuntungan yang ada di dalam APP dengan pemegang saham.

    Apakah manfaat yang saya perolehi?

    Takafulink Single Invest - Assistance In Times Of Need

    Bantuan Di Saat Anda Ditimpa Musibah

    Apabila peserta meninggal dunia sebelum tamat tempoh sijil, Jumlah Perlindungan atau nilai dana PIA, yang mana lebih tinggi, akan dibayar. Sekiranya berlaku Hilang Upaya Keseluruhan dan Kekal (HUKK) sebelum usia 65 tahun, jumlah yang sama akan dibayar.

    Jumlah Perlindungan ialah jumlah yang ditentukan sebagai 130% daripada Sumbangan Permulaan DITAMBAH dengan 130% jumlah tambah nilai (pada peringkat awal, jika ada) dikurangkan secara berkadar untuk sebarang unit Pengeluaran Separa yang dibuat).

    Takafulink Single Invest - Upon Maturity

    Apabila Matang

    Anda akan menerima nilai penuh pelaburan anda dalam PIA (berasaskan harga unit semasa matang).

    Takafulink Single Invest - Easy Withdrawals For Greater Financial Flexibility

    Pengeluaran Mudah Untuk Memberi Lebih Fleksibiliti Kewangan

    Jumlah minimum yang boleh anda keluarkan ialah RM500 dan tertakluk kepada baki pelaburan minimum RM5,000 yang dikekalkan dalam dana PIA.

    Takafulink Single Invest - Top Up Anytime That You Want

    Penambahan Nilai Pada Bila-bila Masa Anda Mahu

    Penambahan nilai minimum ialah RM500.

    Takafulink Single Invest - Choice Of Funds

    Pilihan Dana

    Takafulink Single Invest menawarkan pilihan Dana Syariah Zurich Takaful yang boleh disesuaikan dengan keperluan individu.

    Apakah kadar yuran dan caj yang dikenakan untuk pelan ini?

    Yuran Wakalah

    Untuk Caruman Permulaan/Penambahan

    i) Bawah RM1,000,000 = 5.00%

    ii) RM1,000,000 & ke atas = 4.75%

    Ditambah, yuran perkhidmatan RM100¹ dan RM25¹, masing-masing untuk Caruman Permulaan dan Caruman Penambahan.
    Peruntukan 95%* daripada Caruman Permulaan/Penambahan, masing-masing ditolak RM100/RM25, terdapat dalam pelaburan Akaun Pelaburan Peserta.
    *Untuk caruman RM1,000,000 ke bawah.

    Yuran Wakalah Tharawat

    Dalam lingkungan 1.00% - 1.50% setahun, ditentukan mengikut purata wajaran jumlah aset kasar setiap Dana Syariah Zurich Takaful.

    Caj Pengeluaran Separa

    Jumlah Pengeluaran Minima: RM500
    Baki Pelaburan Minima: RM5,000
    Caj setiap Pengeluaran: RM50¹

    Yuran Pemindahan Dana

    Jumlah Penukaran Minima: RM500
    Yuran Penukaran: Satu penukaran percuma dibenarkan
    dalam setiap tahun sijil.
    Penukaran seterusnya akan dikenakan yuran RM50¹ untuk setiap penukaran.

    Tabarru’ Berasaskan usia, jantina dan Jumlah Yang Dilindungi.

    Serahan sepenuhnya tidak dikenakan caj. Pengeluaran separa atau serahan pelaburan sepenuhnya boleh dibuat dengan tukaran unit dalam APP. Nilai Serahan ialah nilai APP** ditambah dengan Tabarru’ yang belum diraih ditolak dengan sebarang jumlah terhutang.
    **Nilai APP turun naik berasaskan prestasi Dana Syariah Zurich Takaful dan ianya tidak dijamin.

    Yuran & caj tertakluk kepada semakan semula dari semasa ke semasa oleh Pengendali Takaful. Pengendali Takaful berhak untuk menyemak semula yuran & caj dengan memberi notis 3 bulan secara bertulis kepada pemegang sijil sebelum tarikh ulang tahun sijil.

    ¹Yuran ini adalah tertakluk kepada 6% Cukai Barangan & Perkhidmatan (GST) berkuatkuasa 1 April 2015. Kewajipan pembayaran GST hendaklah tertakluk kepada Terma dan Syarat di dalam Sijil Takaful anda.

    Apakah syarat kelayakan menyertai pelan ini?

    Sesiapa sahaja yang berumur di antara 30 hari sehingga 69 tahun layak dilindungi. Namun begitu, Peserta/Pemohon mesti berusia 18 tahun ke atas.

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