Page 26 - MAYBANK vs EPF

been invested in other market instruments. Maybank has a strength and standing
financial that assures investor to get the high return.

Maybank has two sort of Negotiable Instruments of Deposit which are Maybank
Autocall Structured Deposit and Maybank 1Malaysia Momentum Structured Deposit.

These are other alternatives to realize income by doing investment during a global
equity and capital. Maybank Autocall Structured Deposit refers to investment

opportunity for investors to participate in China’s equity market. Investors will enjoy
the yield enhancement by entering in the China’s market as they need to pay for the
minimum investment of RM100,000. The other one is Maybank 1Malaysia Momentum

Structured Deposit. It is designed to offer the investors an early chance of Money Back
with a desirable coupon.

The advantages of using Negotiable Instruments of Deposit are:
• The level of inflation can be minimized as it helps to stabilize the economy.

• The owner of negotiable deposit is clearly recognized. In the event of loss, the
finder cannot use it.

The disadvantages of using Negotiable Instruments of Deposit are:
• It is an illiquid asset. Investors cannot use the money in urgency as the money

not easy to be converted into cash.
• The value of instrument are not constant.

e) Perbadanan Insurans Deposit Malaysia

Perbadanan Insurans Deposit Malaysia (PIDM) collaborated with banks which it gives

protection against the deposit that have been invested as well as takaful and insurance
benefits. PIDM is responsible to administer the national deposit made by the
depositors in almost all types of deposits.

Those banks that cooperated with PIDM are the commercial banks which have

licenced under the Banking and Financial Institutions Act 1989 and all Islamic banks
licenced under the Islamic Banking Act 1983 and also foreign banks operating in
Malaysia.

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