A 12-month Time Deposit will yield 3.7% return before mid-January this year. Financial analysts predict BNM will increase the overnight policy rate (OPR) back to at least the level before the financial meltdown by 2011. Some also predict the overnight policy rate (OPR) will actually be higher than a year ago for at least 1 - 2 years when BNM deemed it is time to increase the OPR again.

About 4 or 5 years ago, a 12-month Time Deposit had a return of 4.3%. It was slashed to 3.7% and has stayed at 3.7% until January this year. AS1M is not attractive at all.

This post has been edited by MilesAndMore: Aug 5 2009, 12:20 AM

They need the money to fund their stimulus plan. You know lah ... Malaysia is no China. We do not have trillions of cash reserve. So this is like the only way for them to raise cash

4% is the projected return of this fund per annum. I think someone quoted this from newspaper 1 or 2 days ago.


Some do indeed yield very good return. Such as HSBC structured investments. The start up capital for certain HSBC structured investments is a bit too high though. For example, the minimum investment for a recently launched China fund is RM250,000 with a lock-in period of 4 years

I wondered how is Public Mutual capital protected funds performing ... Any idea ?


To be fair, this fund is still very new. Hence many are skeptical about it. ASW2020 and ASM weren't that popular either when they were first launched.


For the first year ? Yes. It could be. But then you will see the dividend continue to drop year after year. Just like ASW2020 and ASM. But i doubt it can yield 10%. Don't think it will give a better return compared to ASB


Those are very risky. But this one ? Not so much.

This post has been edited by MilesAndMore: Aug 5 2009, 07:31 PM

Erm ... Millionaires and Billionaires will invest somewhere else. Most of them won't be interested in PNB funds, as far as i know. In fact, a huge chuck of their money is park in either Hong Kong or Singapore as they see their money is safer there. Besides, it's easier to move your money around in Hong Kong/Singapore compared to Malaysia.


This post has been edited by MilesAndMore: Aug 5 2009, 11:53 PM