New retail bonds by CIMB... more or less as safe as FD unless the bank close down. 

Offer period:                        8 November 2012 - 7 December 2012
Minimum investment amount: RM250,000 in multiples of RM5,000
Tenure:                                  Up to 10 years, First Call Date no later than 5 years from Issue date
Indicative Variable Coupon: 4.80% p.a.** referenced to 6-month KLIBOR

Principal will be returned on call or maturity date by reference to CIMB Bank Berhad Tier 2 Subordinated Debt (rated AA+ by MARC)
Receive Fixed Coupon of indicatively 4.00% p.a.* if investment is flipped or if the investment is not called (after year 5)
Transparent payoff features with assurance of daily prices and liquidity

Looks like a good deal if anyone wanna lock in very long term yield, interest paid every 6 months.

New retail bonds by CIMB... more or less as safe as FD unless the bank close down. 

Offer period:                        8 November 2012 - 7 December 2012
Minimum investment amount: RM250,000 in multiples of RM5,000
Tenure:                                  Up to 10 years, First Call Date no later than 5 years from Issue date
Indicative Variable Coupon: 4.80% p.a.** referenced to 6-month KLIBOR

Principal will be returned on call or maturity date by reference to CIMB Bank Berhad Tier 2 Subordinated Debt (rated AA+ by MARC)
Receive Fixed Coupon of indicatively 4.00% p.a.* if investment is flipped or if the investment is not called (after year 5)
Transparent payoff features with assurance of daily prices and liquidity

Looks like a good deal if anyone wanna lock in very long term yield, interest paid every 6 months.

gark,

Thanks. Hope you can help a layperson new to this $ industry.

What is meant by "referenced to 6-month KLIBOR" ? x% varies as per KLIBOR rate ?

If so, then my view is, when economy recovers in 1-3 years time, the bond rate will drop. No ?

Thanks.

Aik ?? you throw the ball back to me pulak ?? I can give you the compounded cash value for 150K FD x 30 years easily (assuming fixed rate for the sake of calculation) but since you don't know how to calculate the effective ROI of  HLB income building, how are we going to engage in a more meaningful and intelligent debate in this matter ? 
If I give you the compounded cash value of 150k x 30 years FD, how you are going to compare it with HLB income builder ?  Compare the final cash value at year 30th??
How do you get 950K ?? Is it for real ??  

After i did the calculation, the rate is only ~0.04567 =.='' FD can be higher?

i think the good side of this plan is force ourself to save money monthly ( if i take RM500 go into bank probably they won't accept this FD rite?)
this saving plan not suit for risk taker lo~

New retail bonds by CIMB... more or less as safe as FD unless the bank close down. 

Offer period:                        8 November 2012 - 7 December 2012
Minimum investment amount: RM250,000 in multiples of RM5,000
Tenure:                                  Up to 10 years, First Call Date no later than 5 years from Issue date
Indicative Variable Coupon: 4.80% p.a.** referenced to 6-month KLIBOR

Principal will be returned on call or maturity date by reference to CIMB Bank Berhad Tier 2 Subordinated Debt (rated AA+ by MARC
Receive Fixed Coupon of indicatively 4.00% p.a.* if investment is flipped or if the investment is not called (after year 5)
Transparent payoff features with assurance of daily prices and liquidity

Looks like a good deal if anyone wanna lock in very long term yield, interest paid every 6 months.

After i did the calculation, the rate is only ~0.04567 =.='' FD can be higher?

wat is the best fd rate for 50k on monthly basis?can anyone share?

For my point of view Unit Trust is one kind of low risk and high return investment, i would say as liquid as FD because only a week to withdraw~ but a lot people think that unit trust can't generate a lot profit personally i think the main reason is the which agent you get advice from. Not to say all, some of the agents they just want to close the deal do the business, cincai cincai introduce any fund to aunty uncle, invest in lumpsum. If you dig into more details in unit trust, you will find that quite a numbers of fund giving more than 40% over 3 years or more than 10% in one year. If you clever enough to do switching, i believe even more return.

The other tools may be saving account like Hong Leong Income building, deposit RM25k per year for 6 years, will get RM6.5k every year for 30 years. and the risk to me is near 0~ It just a lot of people don't know there is actually such a good investment tools.

correct me if im wrong~

wat is the best fd rate for 50k on monthly basis?can anyone share?

Rm25k and interest at 4% at bank rakyat

Year 1 rm 25k x 1.04 = 26k
Year 2 (rm 25 k +rm 26k) x1.04 = rm 67.6k
Year 3 (rm 25k + rm 67.6k) x 1.04 = rm96.304k
Year 4 (rm 25k+ rm 96.304k) x 1.04= rm 126.16k
Year 5 (rm 25k + rm 126.16k) x 1 .04 = rm157.2k
Year 6 (rm25k + rm 157.2k) x 1.04 = rm 189.5k

Versus rm6.5k x 30 years= rm195k. The purchasing power of rm6.5k after 10 years onwards will probably become like rm 4.5k and at year 30, rm6.5k will probably like rm3k or less.

I m interested in doing the calculation for the builder thingy but really could not find any hard data. So secret one lah.. like scared WB learned about it will queue and buy all the quota. Secret thing no good. I did excel calculation yesterday and did try to find data , wonder whether anybody has real data on the builder scheme so can past the time exercising brain cells.

---

Added on November 22, 2012, 9:27 am

Can try PMA-i at MBB, research first though..

---

Added on November 22, 2012, 11:34 am

gsc, your year 2 calculation should be 53.04k..
end of year 6 should be 172k approx

Thanks for pointing out the error. Didnt use Excel to work out and hence the error doing year by year. HongLeong dont have hard data in the sense that it is a new product and hence data are all projected based on assumptions. Suggest you look at both HL and Ocbc to compare.

Back to BR to collect the FD cert after opening another 3 months tenure on 19/nov. As promise by the BR manager, the effective rate is 3.75%. Service is good as both the manager had already know me. For the multiple of FD certs, amount for a FD cert below 50k does not had any bargain power, for 50k can get extra 0.05%. Others than the amount of money, another criteria for extra interest is the tenure. 6 months longer tenure (for 12 months standard FD rate), can get extra 0.05%. Cheers.

I was thinking along the lines of projected payout but it seems most of the detail is protected. For instance GYI yearly then what happens on maturity, anything left. 

---

Added on November 22, 2012, 4:59 pm

I cant understand this part.
Get any gifts ?..

Semakin lama anda berlabur, semakin tinggi interest lor. Today is purpose is to get the FD certs, did not ask for gift. Maybe next time.

Semakin lama anda berlabur, semakin tinggi interest lor. Today is purpose is to get the FD certs, did not ask for gift. Maybe next time.

Sorry, just want to clarify. Did you place 1 year and getting 4.06% or 4.11% ?