CIMB savings plan mimics a structured product

Malaysia's CIMB Islamic Bank is offering a bank account with a twist - it resembles a structured product. The capital-protected Max InvestSave allows people to deposit and withdraw as little as M$50 for 15, 20, 25 or 30 years.

The sharia-compliant product pays profits on the basis of the performance of an index over the investment term. The technique is basically a look-back feature, and investors will receive their principal plus the peak profit achieved by the investment deposit over its

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