I bought it last year, it took about 3 months to get the certificate. That's CIMB for you. But the profit was calculated from the day I signed up. I was happy with it until today. It seems that my Rm 1.00 value has gone down to 89 sen or so, which means even though they pay 6.7 ( that's my rate), it would be multiplied by the value. Well we'll see how it goes. I am not very finance savvy to dabble in stock, so this is probably next best to unit trusts.