Exhibit A
Fees and Expenses
The Platform User (“Client”) shall be liable to pay for the fees and expense as outlined here in this exhibit.
There will be no increase in the annual management fee shall be effective without 30 days prior written notification to Client.
By accepting this agreement, the Client agrees and authorizes the company, CP Global Fintech Solutions (“CPFS”), the Digital Investment Management license holder and owner of Robo Advisory, Airo (“Adviser”), to charge the Client account for the amount of fees listed below and to remit such fees to the adviser in accordance with required regulatory procedures.
List of Adviser and Platform Fees & Expenses
1. Annual Management Fee:
BOCA portfolios (Balanced, Opportunistic, Contrarian, Adventurous): 0.8%* per annum
Shariah portfolios (Conservative, Balanced, Growth): 1.2%* per annum
Income portfolio: 0.25% per annum
Fees are deducted monthly on a pro-rated basis, calculated from the average monthly total assets under management (AUM).
2. Portfolio rebalancing fees : 0%
3. Company Transfer fees: 0%**
4. Brokerage charges : 0.05% to a maximum of 1%* of trade value plus regulatory fees*** and withholding tax (applicable to dividends received from ETFs invested)****.
*Daily portfolio valuation is net of management fees and brokerage charges.
**Amounts transferred to and from the investor’s bank account will be net of charges imposed by the transferring institution; where applicable. However, transfer fees to and from the broker are charged at cost to the portfolios you are investing in.
***Regulatory fees
****Withholding Tax (applicable to dividends received from ETFs invested)
Exchange rate charges for inter money exchange placements between RM and USD accounts at bank cost rate.
Ekshibit A
Fi dan Perbelanjaan
Pengguna Platform (“Pelanggan”) hendaklah bertanggungjawab untuk membayar fi dan perbelanjaan seperti yang digariskan dalam ekshibit ini.
Kenaikan fi pengurusan tahunan tidak boleh dikuatkuasakan tanpa pemberitahuan bertulis 30 hari terlebih dahulu kepada Pelanggan.
Dengan menerima perjanjian ini, Pelanggan bersetuju dan membenarkan syarikat, CP Global Fintech Solutions (“CPFS”), pemegang lesen Pengurusan Pelaburan Digital dan pemilik Robo Advisory, Airo (“Penasihat”), untuk mengecaj akaun Pelanggan bagi amaun fi yang disenaraikan di bawah dan meremit fi tersebut kepada penasihat menurut prosedur kawal selia yang dikehendaki.
Senarai Penasihat dan Fi & Perbelanjaan Platform
1. Fi pengurusan tahunan:
Portfolio BOCA (Balanced, Opportunistic, Contrarian, Adventurous): 0.8% setahun
Portfolio Shariah (Conservative, Balanced, Growth): 1.2% setahun
Portfolio Pendapatan: 0.25% setahun
Fi ini akan ditolak setiap bulan secara pro rata, berdasarkan purata bulanan jumlah aset di bawah pengurusan (AUM).
2. Fi penyeimbangan semula portfolio: 0%
3. Fi Pemindahan Syarikat: 0%**
4. Caj pembrokeran : 0.05% hingga maksimum 1% daripada nilai dagangan ditambah fi pengawalseliaan*** dan cukai pegangan (terpakai kepada dividen yang diterima daripada ETF yang dilaburkan)****.
*Penilaian portfolio harian adalah bersih daripada fi pengurusan dan caj broker.
**Jumlah yang dipindahkan ke dan dari akaun bank pelabur akan bersih daripada caj yang dikenakan oleh institusi pemindahan; jika berkenaan. Walau bagaimanapun, fi pemindahan ke dan dari broker akan dikenakan kos kepada portfolio yang anda laburkan.
***Fi pengawalseliaan
****Cukai Pegangan (terpakai kepada dividen yang diterima daripada ETF yang dilaburkan).
Caj kadar pertukaran untuk penempatan pertukaran wang antara akaun RM dan USD pada kadar kos bank.