May just leave the sum in MBB as will be busy next 2 weeks. Then do the hunt later. But small amt only, unlike the Oct hunt. One day kaotim.

FD just matured yesterday. So did not do the 4.15% on Tuesday. I think someone said in FD thread joint acct not successful. Mine is single name for HL acct. Never try the HL FPX before.

Have been talking to banks for higher FD rate. Asked about retail bonds, sadly coupon rate 4.28% to 4.5% for bank issued retail bonds. Monday has to decide what to do with the dough. 4.5% OCBC FD maturing on Sat.

This post has been edited by bbgoat: Nov 4 2016, 04:55 PM

U were lucky to get the retail bonds at high 6.x or 7.x%. Unless new retail bonds, the RM told me cannot get high rates. Just the 4.x% I mentioned for already issued ones., have to pay premium for it also.

Parked some sum in MBB GIA-i. Then Monday OCBC FD matured. Going to see RM. She recommended Affin newly issued bond fund with pay out 5 to 5.5% rate. Klibor 5% one also available, issued by OCBC.

All the hard work made me thinking, dump all to FP ! Have resisted the temptation !

No dough is a problem, with some dough also a problem !

But keeps us moving, keep us alive !

Would u dump everything into FP, would u ? Meaning nothing else except FP ?

That is NOT the point of discussion !

I would try to get safe and moderate returns. But recently becomes itchy (don't volunteer for anything to ease the itch ), going for some more risky stuff like retail bond, bond funds, Klibor etc, in a way FP fund also.

Not me anyway !

Yes, have been doing that last month. In MBB GIA-i, on hunting days, stop the GIA-i, then end of day, place new GIA-i. Then repeat until habis.

Now also doing the same thing. Parked some dough in MBB GIA-i.

I was in OCBC doing some FD, buying UT etc. Then casually drop in to a MBB branch nearby at about 3pm. Was told system down.

In OCBC PB centre. Current running series of MYR retail bond yield not that good, 4.x%. Foreign retail bonds USD denominated one has 5.10% coupon rate. Interested ?

This post has been edited by bbgoat: Nov 7 2016, 07:05 PM

Ya, currency risk. I have been thinking that it may be good to hold some foreign assets. In view of RM going down, other than the gain from the coupon rate, we may gain from currency as well.

Well, nobody knows what will happen in the future. But having foreign holdings to mitigate any currency movement may be good. There are some who will swear to S$ holding !

Other than US stocks (small amt) that I am holding, I think I have too much in RM. It is up to individual to decide.

I know u will come out and shout S$ ......................

So ASX FP is still part of your portfolio ? Small percentage ?

I would rather say ASX FP, for me, is part of the portfolio in conjunction with other more volatile/risky asset. And of course, other more stable asset.

Hard to say it is a stabilizer. More like range of investments with various return/risk ratio.

Just to share on getting higher return, though not as high as the FP.

Yesterday after hearing from guy3288 that the CIMB bond has increased from 4.9-5.1% to 5.3-5.5%, called CIMB BM. Initially the 4.9-5.1% coupon rate is not attractive. Myself and family members later terminated some FD and grab small portion of it.

Thanks to wil-i-am and guy3288 for the info.

This post has been edited by bbgoat: Nov 25 2016, 09:49 AM

250k

For CIMB bond, go to their branch. Other banks did not carry this one. But this one has been fully subscribed 1 day after issue (21/11). But try your luck as some people back out or don't have the dough in CIMB acct thus cancelled.

Talk to bank on buying retail bond. Some foreign banks only carry foreign retail bonds.

This post has been edited by bbgoat: Nov 25 2016, 11:47 AM

For me, it is diversification to different asset class. Rather than top heavy with FD. It would be shallow thinking just to place all into ASNB FP.

This post has been edited by bbgoat: Nov 25 2016, 01:55 PM

After I bought CIMB bonds, the BM introduced me to a leverage method of reverse repo on S$ denominated bonds. Will be studying on this. Heard only another bank in M'sia doing the reverse repo thingy. Maybe wil-i-am know more on this.