Frequently Asked Questions
Unit Trust
1. Who can invest online?
2. If I do not have an existing unit trust account, can I perform online unit trust transactions?
3. Can I view my Unit Trust account online if I’m not CIMB Clicks user?
4. How can I register to be a CIMB Clicks user?
5. How do I open a unit trust account online?
6. I only have Shariah/Islamic Current/Savings Accounts, can I open a unit trust account online?
7. Can I view my unit trust account balance via CIMB Clicks?
8. How can I view my unit trust account balance via CIMB Clicks?
9. What is eInvestSmart?
10. How do I determine which funds are suitable for me?
11 Can I invest via EPF withdrawals? What is the procedure?
12. Apart from online transactions of unit trusts via CIMB Clicks, how else can I subscribe, redeem and switch units?
13. Can I perform online switching, transfer or cooling-off of units via CIMB Clicks?
14. What is the minimum and maximum amount for my fund transaction (purchase/redeem/switch)?
15. How soon will I see my updated account balance in CIMB Clicks after a transaction is performed?
16. Can I view my unit trust account balance opened in fund houses via CIMB Clicks?
17. What is cooling-off period?
18. How do I exercise my cooling-off right?
19. Why am I unable to perform redemption for my purchased Unit Trust Fund?
20. Can I switch my funds to any other funds available?
21. Can I transfer some of my fund’s unit to a third party’s Unit Trust account via CIMB Clicks?
22. Where else can I check the prospectus of the Unit Trust Funds available if I do not want to login to Clicks?
23. How do I purchase Unit Trust fund online?
24. How do I sell Unit Trust fund online?
25. How do I switch my fund to another fund with the same Fund House?
26. What is the cut-off time of the day for me to invest Unit Trust?
27. Why can't I view the prospectus of the fund?
 
 
1. Who can invest online?
  Existing CIMB Clicks user (individual and Sole Proprietor; Resident & Non-resident) who has a Unit Trust Account with CIMB Bank can invest Unit Trust online. For joint account holders, only principal/primary holders are allowed to perform Unit Trust Online transactions. However, only sole account is allowed for new Online Unit Trust Account Opening via CIMB Clicks.
   
 

back to top

 
2. If I do not have an existing unit trust account, can I perform online unit trust transactions?
  Yes. In order to perform online unit trust transactions, you may open a new account online using CIMB Clicks or approach your nearest CIMB Bank branch.
   
 

back to top

 
3. Can I view my Unit Trust account online if I’m not CIMB Clicks user?
  Yes. You can register at CIMB Clicks to view your Unit Trust account online. However, you would be unable to conduct unit trust transactions.
   
 

back to top

 
4. How can I register to be a CIMB Clicks user?
  First, you need to have a Current or Savings Accounts with CIMB Bank. Then, create your Internet Banking e-PIN at any CIMB ATM. Log on to www.cimbclicks.com.my and register online.
   
 

back to top

 
5. How do I open a unit trust account online?
 
Step 1 : Log in to CIMB Clicks.
Step 2 : Select “Account Opening”
Step 3 : Under “Unit Trust Account”, select “Account Opening”
Step 4 : Select ‘Next’ to proceed with Unit Trust Account Opening or select ‘Proceed to Risk Profiler’ for re-rating of Risk Tolerance Level.

(If you have performed Risk Profiling before, you have a choice to perform Risk Profiling again. If you have not performed Risk Profiling before, you are required to complete the Risk Profiler)
Step 5 : Select “Submit” after completing the Risk Profiler
Step 6 : Once the profiling is done, you will be presented with your Risk Tolerance level. Select “Proceed”, select “Submit” and then select “Proceed with Unit Trust Account Opening”
Step 7 : Enter information into the Unit Trust Account Opening input screen
Step 8 : Read and select “Accept” under the T&C
Step 9 : Select “Submit”
Step 10 : Enter TAC no
Step 11 : Select “Confirm”

The application status and unit trust account number (if successful) will be displayed. You will then be able to perform online unit trust transactions.
   
 

back to top

 
6. I only have Shariah/Islamic Current/Savings Accounts, can I open a unit trust account online?
  No. In order to open a unit trust account online, you need to hold either a conventional Current/Savings Account. If you have yet to open a conventional Current/Savings Account, please feel free to drop by your nearest branch.
   
 

back to top

 
7. Can I view my unit trust account balance via CIMB Clicks?
  Yes. You can view your unit trust accounts balance via CIMB Clicks if the units are purchased with CIMB Bank.
   
 

back to top

 
8. How can I view my unit trust account balance via CIMB Clicks?
  You will be able to view your unit trust account balance via CIMB Clicks’ “Account Summary”.
   
 

back to top

 
9. What is eInvestSmart?
  eInvestSmart is an attractive product bundling between eFixed Deposit and selected Unit Trust funds. eInvestSmart entitles you to earn preferential rates for the eFixed Deposit when a fixed portion of your fund goes into investment of selected Unit Trust funds. For further information, please refer to this link.
   
 

back to top

 
10. How do I determine which funds are suitable for me?
  You should perform a risk profiler exercise to identify your risk tolerance level. To perform the risk profiler, select “Risk Profiler” under “Financial Planning”. However, it is important to ensure that you are comfortable with the profile recommended for you. Please note that while we hope that these recommendations would be useful for investors, you are also advised to look at the fund's prospectus and do your own further research before making your investment decisions.
   
 

back to top

 
11 Can I invest via EPF withdrawals? What is the procedure?
 

Yes, you will need to approach any CIMB Bank branches nationwide in order to invest via EPF withdrawals.

   
 

back to top

 
12. Apart from online transactions of unit trusts via CIMB Clicks, how else can I subscribe, redeem and switch units?
  To subscribe or redeem units, you can also contact or visit:
  • Your Personal Financial Consultant or dedicated Relationship Manager at your nearest CIMB Bank branch.
  • Customer service at 1-300-880-900
   
 

back to top

 
13. Can I perform online switching, transfer or cooling-off of units via CIMB Clicks?
  Yes, you can perform online switching of units via CIMB Clicks.
However if you wish to perform transfer and cooling-off of units, please contact or visit:
  • Your Personal Financial Consultant or dedicated Relationship Manager at your nearest CIMB Bank branch.
  • Customer service at 1-300-880-900
   
 

back to top

 
14. What is the minimum and maximum amount for my fund transaction (purchase/redeem/switch)?
  It depends on the fund policy of the particular fund. Please refer to the relevant Fund Prospectus for details.
   
 

back to top

 
15. How soon will I see my updated account balance in CIMB Clicks after a transaction is performed?
  You will be able to see your update account balance in CIMB Clicks 5 working days after a transaction is performed. For updated account balances, please call 1300 880 900.
   
 

back to top

 
16. Can I view my unit trust account balance opened in fund houses via CIMB Clicks?
  No. You can only view unit trusts funds purchased from CIMB bank.
   
 

back to top

 
17. What is cooling-off period?
  You have six (6) Business Days after your initial investment to reconsider its appropriateness for you needs. Within this period, you may withdraw your investment at the Net Asset Value (NAV) per unit on the day the units were first purchased and have the Application Fee (if any) repaid.

Please note that the cooling-off right is only given to an investor who is investing with CIMB Bank for the first time and is not applicable for corporate or institutional investors.
   
 

back to top

 
18. How do I exercise my cooling-off right?
  You can exercise your cooling-off right by visiting your nearest CIMB Bank branch within six (6) business days from the date of the transaction.
   
 

back to top

 
19. Why am I unable to perform redemption for my purchased Unit Trust Fund?
  It is either due to one of the following reason:
  • You do not have such fund holdings anymore
  • This fund is not open for any redemption as of now e.g. during Initial Offering Period (IOP).
   
 

back to top

 
20. Can I switch my funds to any other funds available?
  Yes, as long as you are switching to an open-ended fund from the same Fund Manager.
   
 

back to top

 
21. Can I transfer some of my fund’s unit to a third party’s Unit Trust account via CIMB Clicks?
  No. If you wish to perform the above transaction, please contact:
  • Your Personal Financial Consultant or dedicated Relationship Manager at your nearest CIMB Bank branch.
  • Customer service at 1-300-880-900
   
 

back to top

 
22. Where else can I check the prospectus of the Unit Trust Funds available if I do not want to login to Clicks?
  You can view the prospectus via CIMB Clicks site at this link. You can also refer to the respective Fund Manager’s website to check the prospectus.
   
 

back to top

 
23. How do I purchase Unit Trust fund online?
 
Step 1 : Log in to CIMB Clicks.
Step 2 : Select “Unit Trust”
Step 3 : Select “Purchase”
Step 4 : Select “Unit Trust Account Number”
Step 5 : Select “Fund Manager”
Step 6 : Select “Unit Trust Fund Name”
Step 7 : Select “Next”
Step 8 : Select Account to pay from
Step 9 : Enter Amount
Step 10 : Check the agreement box
Step 11 : Select “Submit”
Step 12 : Enter TAC no
Step 13 : Select “Confirm”

You will receive the Confirmation Advice of the transaction via mail.
   
 

back to top

 
24. How do I sell Unit Trust fund online?
 
Step 1 : Log in to CIMB Clicks.
Step 2 : Select “Unit Trust”
Step 3 : Select “Redemption”
Step 4 : Select Unit Trust Account Number
Step 5 :  Select Unit Trust Fund Name
Step 6 : Select “Next”
Step 7 : Enter Unit Sold
Step 8 : Check the agreement box
Step 9 : Select “Submit”
Step 10 : Enter TAC no
Step 11 : Select “Confirm”

You will receive the Confirmation Advice of the transaction via mail.
   
 

back to top

 
25. How do I switch my fund to another fund with the same Fund House?
 
Step 1 : Log in to CIMB Clicks.
Step 2 : Select “Unit Trust”
Step 3 : Select “Switching”
Step 4 : Select Fund for Switch Out
Step 5 : Select Fund to Switch In
Step 6 : Select “Next”
Step 7 : Enter Number of Unit to be switched
Step 8 : Check the Agreement Box
Step 9 : Select “Submit”
Step 10 : Enter TAC no
Step 11 : Select “Confirm”

You will receive the Confirmation Advice of the transaction via mail.
   
 

back to top

 
26. What is the cut-off time of the day for me to invest Unit Trust?
  You need to perform the transaction before 2pm daily. Transactions performed after 2pm will be executed on the next business day.
 

back to top

 
27. Why can't I view the prospectus of the fund?
  To view the prospectus, an Adobe Acrobat Reader software is required. You can browse to http://www.adobe.com to download the software.
   
 

back to top