INVESTOR TYPES

【2/2】Sophisticated Investor - High Net Worth Individual (HNWI)

Additional Qualification Criteria (Beyond Asset Requirements)

• In addition to meeting asset, income, or investment criteria, individuals who meet the following conditions may also be classified as High Net Worth Individuals

Education and Work Experience (any one of the following)

• Holds a Bachelor’s or Master’s degree in finance, economics, or a related field, and has at least 5 years of relevant working experience in:
  • Finance
  • Accounting
  • Investment

Professional Qualification (any one of the following)

• Holds a recognized professional membership (e.g., MIA, CFA, FPAM, etc.)

Experience in Financial Institutions (any one of the following)

• Has at least 5 years of experience in financial or capital market institutions (e.g., asset management companies, investment banks), involving:
  • Financial management
  • Corporate finance
  • Financial analysis

Detailed Qualification Requirements

1. Education and Experience (any one of the following)

• Holds one of the following qualifications and has at least 5 years of continuous experience in finance, economics, actuarial science, or accounting:
  • Bachelor’s or Master’s degree in finance, economics, or actuarial science
  • Bachelor’s or Master’s degree in accounting
  • Master of Business Administration (MBA)

2. Professional Membership (any one of the following)

• Holds a valid membership in any of the following (no additional work experience required):
  
  

  CFA Institute	Malaysia Association of Tax Accountants（MATA）
  Asian Institute of Chartered Bankers（AICB）	Malaysian Business Angel Network（MBAN）
  Financial Markets Association Malaysia（FMAM）	Financial Planning Association of Malaysia（FPAM）
  Malaysian Institute of Accountants（MIA）	Malaysian Financial Planning Council（MFPC）

3. Capital Market Experience (any one of the following)

• Has at least 5 years of continuous experience in capital market intermediaries (e.g., investment banks, asset management firms), in areas such as:
  
  

  Product development	Corporate finance
  Transaction advisory	Investment management
  Sales and trading	Investment research and advisory
  Financial analysis	Investment product training

⚠️ Note: Meeting any one of the above categories (education & experience, professional qualification, or relevant experience) is sufficient to qualify as a Sophisticated Investor, even without meeting the asset criteria.