Thanks for the reply, btw how can I file a complain against my CIMB banker for not following clients instructions for liquidating the fund (Called and met numerous occasions, when NAV was around 80 cents). He blames AHAM instead. any advice ?

Replying to respondents of the forum members. I have file a complaint via CIMB's CRU unit regarding this and certain Rules and ACT that the banker did not follow.

A meeting was made on 27/03/2023 with representative from AHAM, Regional Director, Investment Specialist and Branch Manager of CIMB, but non unable to reply when questioned the rights of liquidating and baring the cost of loses.

Given only the below document, but did not disclose AHAM's side on capital not guaranteed as stated in it's PRODUCT HIGHLIGHTS SHEET for AHAM Single Bond Series 4 (Formerly known as Affin Hwang Single Bond Series 4)