Enjoy 0%* upfront sales charge

The following terms apply specifically to the M&G (Lux) Optimal Income V3 M F1 Inc SGD-H and M&G (Lux) Optimal Income V3 M F1 Inc USD-H share classes listed above:

• *The 0% upfront sales charge for the V3 share classes is valid only until 30 September 2026, or until the product is withdrawn at CIMB’s discretion, whichever is earlier.
• **Distribution payments and distribution rates are not guaranteed. Any distribution paid out of the fund will result in an immediate reduction of the fund’s net asset value per share. Distributions may be paid out of capital and forgoing the potential for future capital growth of the investment. This risk may be heightened for share classes distributing a predetermined fixed rate. Distribution payments are not guaranteed, and any stated dividend amount or dividend rate may be subject to change. The Directors will periodically review the fixed distribution Share Classes and retain discretion to amend the fixed dividend amount or rate.
• The V3 share classes will be automatically converted into the corresponding A share classes on 29 September 2028, after which the V3 share classes will cease to exist.  The corresponding A share classes are the M&G (Lux) Optimal Income A M F1 Inc SGD-H and M&G (Lux) Optimal Income A M F1 Inc USD-H share classes, respectively.
• A 2.5% redemption charge will apply to redemptions made before 29 September 2028. The redemption charge will cease to apply from 29 September 2028. Please refer to the fund’s prospectus for details of the applicable fees and charges.
• The SGD-H share class is available for purchase via the CIMB Mobile App or through a CIMB Relationship Manager. Redemption requests for the SGD-H share class must be submitted through a CIMB Relationship Manager.
• For the USD-H share class, both purchase and redemption requests must be submitted through a CIMB Relationship Manager. Please contact us for assistance.
• For more information, please refer to the Prospectus and Product Highlights Sheet for the fund.

The information provided herein is strictly for general information only and should not be considered as an offer, or solicitation, to deal in any of the unit trusts mentioned herein. Investors may wish to seek advice from a financial adviser before making a commitment to invest in units of the relevant fund. In the event that an investor chooses not to seek advice from a financial adviser, the investor should consider whether the fund is suitable for him. Investments in the unit trusts are not deposits or other obligations of, or guaranteed or insured by the Investment Manager or CIMB Bank Berhad. Investments are subject to investment and foreign exchange risks, including the possible loss of the principal amount invested. The value of the units and the income from them may fall as well as rise. The Investment Manager's past performance is not indicative of its future performance. Any forecast made is not necessarily indicative of future or likely performance of the unit trusts. All applications for units in the unit trusts must be made on the application forms accompanying the relevant prospectuses. Investors should read the prospectuses for details. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

The information contained within is accurate at the time of printing, but we are not responsible if there are any errors or missing information. If the document becomes out of date, we do not have to replace it. We are not responsible for any direct or indirect loss or damage arising in connection with, or as a result of, any person acting on any information provided in this document. Please do not reproduce or share any of the information in this document without the written permission of CIMB Bank Berhad.

CIMB may have right of review (RoR) clauses in the terms and conditions governing your product and/or service relationship with our bank. Please refer to the Notification of Right of Review Clause for more information.

This advertisement has not been reviewed by the Monetary Authority of Singapore.