Unless interest rates are rising, 5 years rate of 4.7% is good. Putting some eggs there is a good idea.

question is stability of MBSB

Y worry coz MBSB is 66% owned by EPF

u worried might go bust

Well, spread out your eggs, there are always some risk in life. Diff people has diff risk appetite.

so true

Owner or shareholders of company do not bare the company liabilities.
Owner or shareholding can change hand at anytime at their wish.

Previously on Transmile case, people also use this same analogy aka owned by Robert Kuok related company (or one of major shareholder), so many said they won't let the company went down.
What happened next to the company and its share is a history already.

MAS was owned by Gov, still it needs to be closed down and formed a new company.

Company incorporated as Berhad, or Sdn Bhd, or limited company, as its name implied, limited liabilities aka the liabilities won't spread to the owner or shareholders.

A company is strong or not, is not because of who owned it, but on how it is run and its own financial strength.
Who actually owned the company doesn't matter.


This post has been edited by cherroy: Jun 8 2015, 09:59 PM

true

some people always mislead thinking because the company have some gov funds or some tycoon as major shareholders, they won't let the company go down the drain..

tis thinking has to change

The credential of a Co is important too
Stakeholders wud prefer to deal with reputable corporate shareholders
Corporate shareholders can provide assurance during significant events namely fund raising, tenders n influence to a certain extent
In addition, corporate shareholders provide assurance in terms of continuity as succession plan is in place

This is true also.

But let's say if every year we place 5 years FD, then in 5 years later,
every year we will get one matured FD.

Yes Magic, but I prefer BR to credit me the difference every month
rather than to pay me one lump sum later, this is to avoid unforeseen
argument in the future.

BR perhaps is the first bank in the world to lower customer's FD rate in their system....,
BR treats the FD cert like useless...??

For those placing Affin Bank 4.33% FD for 15 Months, did you manage to get a free gift for it?

I didn't get

Nor did I ...

This post has been edited by BoomChaCha: Jun 8 2015, 11:00 PM

I look at it from different perspective
Assume u manage a UT consists of 100% pure FD
First u will set the investment objective n risk mgt policy
Once it is done, u will choose PIDM or non PIDM n duration(s) to cater for economic cycle

We will be going back to see interest rate at 7% 8% or not leh ??
Like 1997 1998

I don't think would go back to the old days level

But 4.5% is already half way there

Malaysia's Warren Buffett ...


You lost confidence in share market..?

I no lost confident.. i see opportunity of it going that way only..

still have another 50% to go

seriously, the max can go I think around 5%.. not more than that