The next step in wealth management

ACROSS Asean, the way affluent individuals and families create, manage and transfer wealth is evolving rapidly.

The Star MalaysiaThe Star2026-09-23 00:08查看原文 ↗

Backed by the CIO, the Investment Advisory team offers active portfolio monitoring and personalised sessions, keeping clients' investments on track so they can focus on life's best moments.

ACROSS Asean, the way affluent individuals and families create, manage and transfer wealth is evolving rapidly.

For this community in Malaysia, building wealth is more than just finding the next investment opportunity.

As their fortunes increase through entrepreneurship, professional success and investments, many think about how to manage their fortunes effectively – from growing to diversifying, to generating income and managing risk, preserving and planning for what’s next.

For affluent clients, this creates a different set of expectations from their banking partners.

Across Asean, these shifts are contributing to what CIMB describes as the “Great Rewiring of Wealth” – where wealth creation, preservation, diversification and intergenerational wealth transfer are taking place simultaneously.

This evolution is changing what affluent clients need from their banking relationships.

While access to a comprehensive range of solutions remains fundamental, today’s wealth management requires a more connected approach – one that brings together trusted advice, integrated solutions and a deep understanding of the regional landscape.

It is about looking beyond individual investment choices to understand how financial decisions interact and work together over the long term, in line with each client’s broader wealth objectives.

For business owners, wealth management hinges on balancing opportunities in private enterprise with personal liquidity and credit facilities.

For those approaching retirement, capital preservation and sustainable income take precedence.

Meanwhile, families planning across multiple generations require structured estate, trust and protection solutions.

Grow and preserve your wealth through CIMB Private Wealth’s personalised wealth solutions and planning.

A private wealth ecosystem

To address these multifaceted demands, CIMB Private Wealth is designed around clients' individual goals, risk appetite and life stages, shifting away from standalone product sales to deliver a unified, integrated approach across investments, financing and legacy planning.

This spans treasury products, unit trusts/Shariah-compliant unit trusts, financing and legacy planning – built to help clients manage risk and construct well-balanced portfolios across market cycles.

For clients looking to generate income, enhance yield, diversify their portfolios or manage risk, Treasury solutions provide access to a broad range of opportunities. This includes over 300 bonds and sukuk, alongside solutions for hedging and opportunistic plays, with many being first-to-market conventional and Shariah-compliant offerings.

For clients seeking to grow and diversify their wealth across different market cycles, the Chief Investment Office (CIO) managed funds offer professionally managed strategies designed to balance capital appreciation with sustainable yield. These are complemented by access to over 140 funds spanning equity, fixed income, multi-asset and money-market strategies. Rather than focusing on individual products, the aim is to build diversified portfolios that balance growth, income, liquidity and resilience in line with clients' investment objectives.

Where advice matters

In a global landscape shaped by geopolitical fragmentation, inflation and rapid technological change, market data is abundant. Yet, actionable clarity remains scarce.

An oversupply of information often induces decision fatigue. As a result, affluent clients are prioritising access to trusted advisers who can distil market noise into coherent strategy.

This is where a high accent on advisory sits at the heart of CIMB’s proposition. By pairing senior relationship managers and investment specialists with regional CIO insights, backed by an Asean footprint spanning over 600 branches and 1,500 relationship managers, CIMB combines deep local market knowledge with global asset allocation strategies.

At the same time, the delivery of advice is undergoing a digital transformation. CIMB Private Wealth adopts a hybrid model, leveraging digital capabilities like MyWealth on the Octo app.

This allows clients to track portfolio performance while preserving highly personalised human advice at its core.

Having one of the best points-to-miles conversion rates, CIMB Private Wealth clients enjoy priority access, exclusive upgrades and elevated experiences with the CIMB Private Wealth World Elite Credit Card.

Beyond the balance sheets

Curated lifestyle experiences and preferential banking and financing benefits form part of a wider relationship designed around how clients live, work, invest and are recognised across the region.

Ultimately, in an increasingly complex and evolving financial landscape, success is about having a trusted partner who can bring together the right solutions to match every aspect of clients’ varied financial needs.

For Malaysia’s increasingly affluent and regionally-connected community, this means thinking about wealth not only in terms of growth but how it is preserved, managed and ultimately passed on.

CIMB Private Wealth provides an integrated ecosystem built to help clients grow, preserve and transfer their wealth with confidence for today and future generations.

To learn more about CIMB Private Wealth, visit www.cimbprivatewealth.com.my.

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在首席投资官的支持下，投资顾问团队提供积极的投资组合监控和个性化服务，确保客户的投资步入正轨，让他们能够专注于生活中最美好的时刻。

在整个东盟地区，富裕个人和家庭创造、管理和转移财富的方式正在迅速变化。

对于马来西亚的这个群体来说，积累财富不仅仅是寻找下一个投资机会。

随着人们通过创业、职业成功和投资积累财富，许多人开始思考如何有效地管理自己的财富——从增长到多元化，从创造收入到管理风险，再到保值增值和规划未来。

对于富裕客户而言，这会对他们的银行合作伙伴产生不同的期望。

在整个东盟地区，这些转变正在促成 CIMB 所描述的“财富大重组”——财富的创造、保值、多元化和代际财富转移正在同时发生。

这种演变正在改变富裕客户对银行关系的需求。

虽然获得全面的解决方案仍然至关重要，但当今的财富管理需要一种更加紧密联系的方法——将值得信赖的建议、综合解决方案和对区域格局的深刻理解结合起来。

它着眼于超越个人投资选择，理解财务决策如何相互作用、共同发挥作用，从而实现每位客户更广泛的财富目标。

对于企业主而言，财富管理的关键在于平衡私营企业的机会与个人流动资金和信贷资源。

对于即将退休的人来说，保住本金和获得可持续收入才是首要考虑因素。

同时，需要制定跨代家庭规划的方案，包括结构化的遗产、信托和保障方案。

通过 CIMB 私人财富的个性化财富解决方案和规划，实现财富的增长和保值。

私人财富生态系统

为了满足这些多方面的需求，CIMB 私人财富管理以客户的个人目标、风险承受能力和人生阶段为中心，摒弃了单独销售产品的做法，转而提供涵盖投资、融资和遗产规划的统一、综合的方法。

这涵盖了国库产品、单位信托/符合伊斯兰教法的单位信托、融资和遗产规划——旨在帮助客户管理风险，并在市场周期中构建均衡的投资组合。

对于寻求创收、提升收益、分散投资组合或管理风险的客户而言，财资解决方案提供了广泛的投资机会。这包括超过300种债券和伊斯兰债券，以及对冲和机会型投资解决方案，其中许多是首创的传统债券和符合伊斯兰教法的债券。

对于寻求在不同市场周期中实现财富增长和多元化的客户，首席投资办公室 (CIO) 管理的基金提供专业管理的策略，旨在平衡资本增值和可持续收益。此外，客户还可以选择超过 140 只基金，涵盖股票、固定收益、多元资产和货币市场策略。我们的目标并非专注于单一产品，而是构建多元化的投资组合，在增长、收益、流动性和抗风险能力之间取得平衡，以符合客户的投资目标。

建议至关重要

在全球地缘政治格局日益分裂、通货膨胀和技术快速变革的背景下，市场数据浩如烟海，但真正能够指导行动的清晰信息却依然匮乏。

信息过载往往会导致决策疲劳。因此，富裕客户更加重视与值得信赖的顾问沟通，这些顾问能够将市场噪音提炼成连贯的策略。

这正是CIMB的核心价值所在——高度重视咨询服务。CIMB将资深客户经理和投资专家与区域首席投资官的洞察力相结合，并依托遍布东盟的600多家分行和1500多名客户经理，将深厚的本地市场知识与全球资产配置策略完美融合。

与此同时，理财咨询服务也在经历数字化转型。CIMB私人财富管理采用混合模式，充分利用Octo应用程序上的MyWealth等数字化功能。

这使得客户能够在跟踪投资组合表现的同时，保留高度个性化的人工建议这一核心要素。

CIMB 私人财富客户可享受 CIMB 私人财富世界精英信用卡提供的优先访问权、专属升级和升级体验，该卡拥有业内最佳的积分兑换里程比率之一。

超越资产负债表

精心策划的生活方式体验和优惠的银行及融资服务，构成了围绕客户在该地区的生活、工作、投资和认可方式而设计的更广泛关系的一部分。

归根结底，在日益复杂和不断变化的金融环境中，成功在于拥有一个值得信赖的合作伙伴，能够提供合适的解决方案，以满足客户多样化的财务需求。

对于马来西亚日益富裕且与区域联系日益紧密的群体而言，这意味着不仅要从增长的角度思考财富，还要思考财富的保存、管理和最终传承。

CIMB私人财富管理提供了一个综合生态系统，旨在帮助客户自信地增长、保值和传承财富，造福当代及子孙后代。