totally agree with your statements. However it all depends on your personal reflections and understanding on the company you plan to invest.

1. A scam company is more towards something like selling a virtual shares, telling you they plan to be listed but its an empty company which most of the victims never intend to find out. This is also because few had approached me for example company like "M-XXXX" which doesn't justify me on how the shares works.

2. Track records actually important too. However, i would prefer on business that have a huge potential instead of track record. Eversince Lehman Brother Financial institution collapse i dont really judge a company through their history and track record. I start to judge based on potential and the market they're in.

3. Currency risks is what we counted in as external factor. Things for sure is that, end of the day, it depends on which country and what is their economic's like before we invest. Talked about Ringgit. this is the saddest thing i've seen in my life. I think at least by end of next year we pray hard our Ringgit can stay back at RM 3.8 to 1 USD.

We need to find out the facts first before invest bro

Yes, after determining the potential risk factors you can apply a risk rating to each of these factors.

Then you need to estimate a return and determine if it is worth to put money into this investment knowing your risk.

that's right Bro.

Wish you all the best in your investment journey.

I wish the same for you and everybody else who's thinking about what to do next in the current situation.

you sure are right on this..

the previous collapse of Lehman brothers really proved that history really isn't anything.. a company operating for so long period could someone wipe out.. ^^

anyway, this is a good reminder.. ^^

This post has been edited by smartinvestor01: Oct 2 2015, 03:52 PM

this is very similar to what RHB-OSK is offering..

http://www.theborneopost.com/2014/08/06/rh...tuation-fund-2/

Wow, thanks for the sharing... Its the fund that i m quite keen also.. but, Rm50,000 min investment is a lot. Hehe... ^^

50k min is kinda high for ikan bilis investors

It is a wholesale fund mah... come come don't cry... buy somemore Lee Sook Yee fund. 10 year annualised CAGR = 16.8% p.a. Apa lagi lu mau? RM 100 only... so ikan bilis friendly.

Xuzen

This post has been edited by xuzen: Oct 6 2015, 02:21 PM

Is it a MLM? Or just purely investment firm? Do you earn extra by referring?

got booth (No. 3) on Equity Crowdfunding in InvestSmart Fest (ISF 2015) @ Mid Valley Exhibition Centre, Hall 3


This post has been edited by nexona88: Oct 8 2015, 11:16 PM

Ai yoh, too bad it is in KL..

Hopefully one day there would be the same event in Kuching here..

Looks very interesting..

no worries. sure they would do one in Sarawak

wow, looks like equity crowdfunding getting more exposure in Malaysia huh..shud go for more info.

any good info u found @ ISF 2015

One more thing to note is that equity crowdfunding may or may not (usually may not) have a tenor. That means you can't sell your portion of equity until the company is listed or until you can find another person to take over from you. Because borrowers are mainly SMEs, it takes a very long time for them to be either listed or can be sold to someone else. So buyer beware! There also no saying that the company won't go bankrupt not from fraud but just bad management or internal/external economic issues.

That is why some people prefer crowd lending instead or peer to peer lending. At least there is a tenor and your returns are fixed.

Yes,... there is body called Funding Societies in Sgp that provides peer-to-peer lending services in Sgp. Given the better regulation in Sgp, would this reduce the systemic risks associated with such investments ?

Following is a write-up forwarded to me last week by an associate who is into this. He invested only SGD100 earlier during the promo period for investors, whereby he was allowed to invest only SGD100. Today, the minimum sum is SGD1K to start with.

To introduce us, we are Funding Societies, one of the first peer to peer lending companies in Singapore. We bring SME borrowers and Investors together for their funding and investment requirements. We provide business loans to SMEs through crowdfunding by multiple investors. Investors earn high returns up to 14% per annum.

A few of our accomplishments in recent times :

•First P2P Lender to have an escrow account managed by MAS licensed trustee. This ensures that the Investor funds are managed only by the Trustee and not Funding Societies

•First P2P Lender to introduce e-contracts (no physical signatures required, everything done online, and its a very simple yet compliant way of executing contracts)

•Finalist of Maybank Fintech competition and chosen by Maybank for partnership

•Winner of Tech in Asia for the best start-up (Singapore chapter)

•Featured in Business Times, Channel News Asia, BBC, Vulcan Post, Crowd Fund Insider etc

For investors it provides :

•A new unique investment proposition

•Diversification opportunity

•High returns at minimal risk

•Low capital requirement (Minimum investment of just $1000)

Link here : Website: http://www.fundingsocieties.com/

Anybody keen on this ?

Well, personally i would think yes, it does. Singapore has a much more stable and transparent regulations compared to Malaysia. But at the end of the day, its still depends on your risk appetite and your ability to understand the numbers driving the businesses.

Yeah, lots of risks in this type of new and mostly unregulated investment class.

Perhaps the Peer-to-Peer System in Sgp is more 'regulated' or 'affords more protection' to investors ?