Retirement Saver and Investment Package

Make your selection from shapes that ooze glamour, sporty influences or simply timeless. Whichever your style, get 50% off when you pay with a Baiduri Credit or Debit Card.

Are you looking to expand and diversify your retirement planning? Let us help you with our exclusive retirement package valid until 31 October 2023.

Terms & Conditions
Retirement Saver and Investment Package (this “Offer”) Terms and Conditions:

1. Term

1.1. This Offer begins on 1 August 2023 and ends on 31 October 2023, both dates inclusive (the “Offer Period”).

2. Eligibility

2.1 This Offer is open to all new and existing individual customers of Baiduri Bank Sendirian Berhad (“the Bank”), Baiduri Capital Sendirian Berhad (“Baiduri Capital”) and Baiduri Finance Berhad (collectively “Eligible Customers”).

2.2 This Offer is open to funds derived from payouts and withdrawals made from personal pension funds and retirement fund accounts including but not limited to Tabung Amanah Pekerja, Skim Persaraan Kebangsaan or retirement fund accounts from respective employers from the last 12 months (“Eligible Funds”).

2.3 Eligible Funds must be evidenced by direct bank transfers such as Automated Clearing House (ACH) or Real-Time Gross Settlement (RTGS) from the pension and retirement fund accounts to the individual customers’ Baiduri account, or by other formal documentary proof.

2.4 Eligible Funds are only applicable for Fixed Deposit, Unit Trusts and Exchange Traded Funds. For Life Insurance, there is no restriction on the source of funds.

2.5 Eligible Customers who wish to invest in Unit Trusts and Exchange Traded Funds are required to undergo risk profiling and client suitability assessment before signing up.

3. The Offers

3.1 Fixed Deposit

3.1.1 Eligible Customers will be entitled to choose one of the following interest rates on a Brunei Dollar (BND) Fixed Deposit with the corresponding interest rates and placement limits according to the table below:
[#tbl-interest-rate]
3.1.2 In the event of premature upliftment or withdrawal of the Fixed Deposit, the Bank’s normal tariffs will apply and any interest accrued will be forfeited. Please refer to the Bank’s General Tariffs here.

3.1.3 Upon maturity of the Fixed Deposit, it is the Bank’s normal practice to auto-renew the Fixed Deposit plus interest at the prevailing interest rates unless instructed otherwise by the Eligible Customer.

3.1.4 For Fixed Deposits with a 24-month tenor and 36-month tenor, it will be auto-renewed at the prevailing rate of a 12-month tenor upon maturity unless instructed otherwise by the Eligible Customer.

3.1.5 The interest rate tabled in clause 3.1.1 above is applicable during the Offer Period only and is subject to change by the Bank.

3.1.6 Eligible Customers may make multiple Fixed Deposit placements during the Offer Period.

3.2 Life Insurance

3.2.1 Eligible Customers who sign up for the selected insurance plans offered by the Bank in table (a) will receive rewards as per table (b) from the first premium paid.

(a) Selected life insurance plans
[#tbl-life-insurance]
(b) Rewards
[#tbl-rewards]
3.2.2 To be eligible for this Offer, the minimum premium payment term for regular premium must be at least ten (10) years.

3.2.3 A sign up is deemed successful when an Eligible Customer is issued with a policy book by AIA or Great Eastern (“Successful Applicant”).

3.2.4 Each Successful Applicant is only entitled to one reward during the Offer Period irrespective of the number of successful policy sign-ups.

3.2.5 The Bank will issue rewards to the Successful Applicants upon receipt of the original policy book from AIA or Great Eastern.

3.2.6 Successful Applicants may combine the premiums for multiple policies to make up for the minimum annual premium or to qualify for the higher annual premium tier.

3.2.7 The Bank reserves the right to rescind the rewards, in the event of any cancellation of policy.

3.2.8 Rewards are not exchangeable, transferable, or refundable for cash or any other kind.

3.3 Unit Trusts

3.3.1 Eligible Customers who sign up for any Unit Trust listed below will enjoy full waiver of the sales charge with a minimum placement of BND1,000* and maximum placement of BND100,000 offered by Baiduri Capital.

Allianz Asian Multi Income Plus
Allianz Global Sustainability Fund
Manulife SGD Income Fund
Manulife Asia Pacific Investment Grade Bond Fund (requires a minimum placement of BND5,000)
Manulife Sustainable Asia Bond Fund
United SGD Fund Distribution
United Income Focus Trust Fund (Hedged)
United Smart Sustainable Singapore Bond Fund
Franklin Income Fund
Blackrock Asian Tiger Bond Fund
Blackrock Global Multi Asset Income Fund
Neuberger Berman Strategic Income Fund

3.4 Exchange-Traded Funds (“ETF”)

3.4.1 The first twenty (20) Eligible Customers can save up to BND100 rebate on brokerage fees for the first two (2) ‘Buy’ trades based on the below listed ETFs traded on Singapore Stock Exchange (SGX) via the Baiduri Capital Securities Trading Platform (“Free Buy Trade”).

Exchange Traded Funds
[#tbl-funds]
3.4.2 A Free Buy Trade is defined as a full reimbursement of brokerage commission fees of up to BND100 for both buy trade excluding dealer-assisted trades. Other prevalent fees by the respective stock exchanges still apply. Please refer to Baiduri Capital’s General Tariff’s here.

3.4.3 A Baiduri Capital Securities Trading Account is required for the purpose of trading and all transaction activities to be eligible for this Offer (“Accountholder”).

3.4.4 Eligible Customers will receive their Free Buy Trades via cash reimbursement to their Baiduri Capital Securities Trading Account within one (1) month after the end of the Offer Period.

3.4.5 Eligible Customers must complete the first two (2) trades within the Offer Period to be entitled to the Free Buy Trade. Accountholders who complete only one (1) transaction will not be eligible for the rebate. Any unutilised Free Buy Trades after the Offer Period will be forfeited.

4. General

4.1 This Offer is governed by Baiduri Bank and Baiduri Capital’s Terms and Conditions on the related products and any other documents forming the agreement to transact.

4.2 Baiduri Bank and Baiduri Capital may, at any time and without prior notice or liability to any party, suspend or terminate the offer under this Offer or vary these Terms and Conditions.

4.3 Baiduri Bank and Baiduri Capital reserve the right to determine at its sole and absolute discretion all matters arising out of or in connection with this Offer. Its determination of all matters relating to this Offer shall be final and conclusive and no correspondence will be entertained.


Tenor	Interest Rate	Minimum Placement	Maximum Placement
6 months	2.20% per annum	BND10,000	BND250,000
12 months	2.50% per annum	BND10,000	BND250,000
24 months	2.60% per annum	BND10,000	BND250,000
36 months	2.80% per annum	BND10,000	BND250,000


AIA Singapore Private Limited (AIA)	The Great Eastern Life Assurance Company Limited - Brunei Branch (GE)
AIA Retirement Saver AIA Smart Flexi Rewards AIA Smart Flexi Growth AIA Guaranteed Protector Plus	GREAT Retire Income GREAT Wealth Multiplier GREAT Flexi Cashback GREAT Flexi Goal Prestige Life Rewards GREAT Prime Rewards


Premium	Premium Amount	Shopping Vouchers
Single Premium	BND100,000 and below	BND200
	BND100,001 and above	BND500
Annual Premium ("Regular Premium")	BND2,400 - BND4,999	BND200
	BND5,000 and above	BND500
Monthly Premium ("Regular Premium")	BND200 and above	BND50


Fund Name	Trading Name	Stock Code
ABF SINGAPORE BOND INDEX FUND	ABF SG BOND ETF	A35
NIKKO ASSET MANAGEMENT SGD INVESTMENT GRADE CORPORATE BOND ETF	NIKKOAM SGD IGBOND ETF	MBH
SPDR STRAITS TIMES INDEX ETF	STI ETF	ES3
LION-OCBC SECURITIES SINGAPORE LOW CARBON ETF	LION-OSPL LOW CARBON S$	ESG
NIKKO ASSET MANAGEMENT-STRAITS TRADING ASIA EX JAPAN REIT ETF	NIKKOAM-STC ASIA REIT	CFA
LION-PHILLIP S-REIT ETF	LION-PHILLIP S-REIT	CLR

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