who have bought Maybank PCG working fund . please coming

kennykein

don delete my story . i just bought Maybank PCG working Fund about 3 year ago . in the policy say is a capital guarantee fund and interest also gurantee min 6.8%  and the amount of interest also write in the policy and say is guarantee u get the amount of interest but after 3 year i only recieve principle fund with no interest and no reason is write down on the letter say why no interest . i was angry and ask the customer service . they give me no reason ( possible ) after that i ask my fren work at bank . they say this fund is losing money because last year they invest in US and the person incharge of this fund also resign . so may be u can't get the interest , i was shock , this happend in Malaysia larger bank and the process so untransparent  . i was lose my confidence of maybank and cut off my son policy and sell pof my share . i will take the fund policy and complain to the Bank Negara . so i Advice anybody here , bought any fund make sure u fully understand the term and condition .


版主按： 请你中文发表

[ 本帖最后由 江湖 于 12-10-2009 09:28 AM 编辑 ]

fighter00101

是這樣的啦。。 你買的基金還好。。還有點本拿回

如果中到商業圈套 可能本錢都沒有

現在社會真是

密码侦探

经你一提,看来是真的鸟.
就昨晚的事,我老爸的朋友说他买老虎的好象是ETIQA什么的....3年到期的,结果只拿回本金.
我问老爸,他的朋友有去问老虎吗,他也是说因为投资亏大钱,没利息.
老爸问我这样的CASE可以告他吗?我说,是可以的,只怕我门这些小小人民,如何跟大集团斗呢?斗了最后也是我门是输家.

老虎一直在做亏本生意,用几百亿来吃人家银行,没有那么大个头,却要硬硬吃大象.在新加坡也是乱乱发LEHMAN BROHTER MINI BOND,结果LB倒闭,SPORE INVESTOR投诉,结果被SPORE 政府要他还钱给人民.在MSIA,哈!你就想远远咯!!!

现在反而我觉得CIMB比老虎好多了.

[ 本帖最后由 密码侦探 于 10-10-2009 11:22 PM 编辑 ]

kennykein

But the policy have black n white write down " core capital dijamin and interest also dijamin . Now maybank never announce to public to explain why no interest pay and full report why lost money . no resoanble reason will complain to Bank negara , if no working . will report to DAP . let the news explorer to public .

[color=#FF0000][b]版主按： 请你中文发表[/b][/color]
再来扣分关贴

密码侦探

很好,最少有人出来让这件事公诸于众.让老虎给人影像是个TIPU BANK

kennykein

so hope other victim also can share they story and the information about this fund.

密码侦探

我会通知我老爸的朋友,叫他告诉给我乡村的MCA的VICE PRESIDEN,看看如何.他说放也是有很多人买,都是被老虎一句"LOST'鸟话,送你出门口.

kennykein

sorry i use english to type . cause i type chinese is slow . i not good in "ping yin " can not let this matter just coverup like that .

heamq

三年前，银行利率已经很低了，
我很难相信会有保证保本又保证6.8％利息的产品。

根据我所知，
保本基金只是保证保本，是不会保证回酬率的。

保本基金的操作是这样的，
假设期限是3年，那么基金经理就会拿约85％的钱去买固定利率的债卷，其他15％的钱才拿去买有风险的股票等等。

3年期限后，原本85％的债卷就连本带利成为100％，也就是所谓的保本了。至于原本的15％股票会变多少就要看3年来的市场了。

kennykein

then y the policy need to write down
Core capital dijamin : 99999
capital maturity  dijamin : "figure more than principle".

heamq

＂figure more than principle＂的意思，就算多RM1也是多，它可没有说给你6.8％的利息呀！

kennykein

i mean is exp: core capital dijamin = 10000
                      capital maturity dijamin = 12040 ( This is a capital + interest  after 3 year  maturity the figure u will get ) they write down the exact amount u will get after 3 year  . they don mention this amount will change by follow the price of unit . so can u explain that , can i ask u 1 question , u are fund manager for this fund ?

heamq

我不是基金经理，我只是想帮你弄清事实。

你之前说：
Core capital dijamin : 99999
capital maturity  dijamin : "figure more than principle".

后来你说：
core capital dijamin = 10000
capital maturity dijamin = 12040

所以我也被搞糊涂了，也许你就把真正的白纸黑字的合约里的数目写出来吧！

kennykein

sorry make u confuse . i can't tell u my real figure . i just use above example to explain what term and condition inside the policy we recieve .

core capital dijamin = 10000
capital maturity dijamin = 12040 ( just a example )
But actually they have write down the figure not say estimate .

heamq

如果你投资的数目很大，也许值得花一点点律师咨询费，
你可以考虑拿那份合约先给律师看看，看律师怎样说，
也许合约指的dijamin是有附带某一些条件？

而且我觉得你的合约所写的core capital dijamin 和capital maturity dijamin 怎么英文搀杂国文，看起来怪怪的。

密码侦探

随便SEARCH,看到这个,大家如何看法:

Maybank's New Premier Capital Guarantee 5 Fund Offers Minimum 15.92% Return
May 31, 2004

http://www.maybank2u.com.my/mbb_ ... outUs/AU02-Newsroom

密码侦探

请问LZ是PCG(?)?

我看到好象有很多PCG123456789

密码侦探

http://www.accessmylibrary.com/coms2/summary_0286-21509963_ITM

MALAYAN Banking Bhd (Maybank) expects its RM200 million new capital guarantee fund to be fully taken up within two weeks of the offer period, its group senior executive vice-president and head of retail financial services Johar Che Mat said.

The closed-ended 5-year Premier Capital Guarantee 5 Fund (PCG5) is the fourth series of Maybank's investment-linked product.

"We are confident that the benefits we are offering with PCG5 coupled with the current low interest rate environment will enable us to achieve a full take-up rate," Johar said.

PCG5 offers investors full return on initial capital investment plus a minimum annual guaranteed return of 3 per cent upon maturity.

The compounded return over the five-year period translated into a minimum guaranteed return of 15.92 per cent.

Based on previous responses, the group expects PCG5 to be fully subscribed within two weeks of its offer period, which started from yesterday to June 27 2004.

看来MAYBANK真的是个大骗子.

密码侦探

原帖由 heamq 于 11-10-2009 01:15 PM 发表
三年前，银行利率已经很低了，
我很难相信会有保证保本又保证6.8％利息的产品。

根据我所知，
保本基金只是保证保本，是不会保证回酬率的。

保本基金的操作是这样的，
假设期限是3年，那么基金经理就会拿约 ...

我也同意你的看法,6.8%应该不可能.

kennykein

版主要我用中文发表 ，我尽量。我把合约重要的类容尽量写出来。合约是马来文。

Fund name = PCG working fund
Jenis Pelan = CORE Capital Guranteed
Jenis Premium = premium tunggal
Tarikh bermula = 26/09/2006
Tempoh Polisi = 3 TAHUN
Tarikh Dikeluarkan = 05/09/2006
Tarikh Kematangan = 25/09/2009

Manfaat kematian Minimal yang dijamin  = 15000 ( 咧子）.
Manfaat kematangan minima yang dijamin = 12000 ( Core capital ) .

Nota ,
Core Capital Guranteed adalah Pelan insurans hayat berkaitan-perlaburan selama 3 tahun .
1) segala maklumat yang tercatit disini adalah betul pada tarikh pengeluran halaman maklumat polisi ini .
2) untuk keterangan terperinci tentang terma dan syarat-syarat polisi , sila rujuk kepada buku kontrak polisi anda .
3 ) "Umur " merujuk kepada umur pada hari lahir yang akan datang pada harikh bermula .

第二面。term and condition
1 ) peruntukan unit
syarikat akan memperuntukkan unit-unit dana ke polisi ini berdasarkan premium tunggal dan pada harga unit yang digunapakai yang telah ditetapkan kepada  RM1.00 pada tarikh pembelian semasa tampoh tawaran  permula .

2 ) Kematangan
    Apabila polisi matang seperti dinyatakan di halaman maklumat polisi , salah satu nilai yang tertinggi daripada yang berikut akan dibayar :
i) Nilai Unit -unit terkumpul di bawah polisi ini berdasar harga bida pada tarikh pernilaian sejurus selepas tarikh matang ; atau
ii) Manfaat kematian minimal yang dijamin seperti yang dinyatakan di halaman maklumat polisi .

我没有scan机，所以把合约重要的类容尽量写出来。希望听听各位的意见。我有机会拿回我应得的利息吗？law 的条文有些看不明白。