High yield bonds yield better than f.d.

Depending on banks and products; certain banks r.m don't earn commission; etf is available from some.

Rather heard from third party, no harm to ask for a meeting with b.o.s r.m.

It was i.n.g.

High yield bonds can become total loss bonds...

Don’t be silly... not all products charge explicitly ... some products are charged hideously by packaging it in different ways ...but make no mistake , nothing is free

Audit tax and account services

High yield bonds is not capital guaranteed. As said, everyone's risks appetite is different.

Like all financial institutions, banks certainly needs to make money. There are many schools of thought; if one doesn't allow other to share, best to be self employed or self service.

This post has been edited by icemanfx: Nov 23 2019, 02:19 PM

[quote=aspartame,Nov 23 2019, 12:05 PM]


you all still layan ka?

[/quote]

What’s wrong here? Dun understand ....

[/quote]

Its ok bro, didnt expect everyone to get it

Carry on then

I would comment on my experiences with HY Bond Funds from Fidelity and Allianz. I never bought single-company HY Bonds,... no confidence to the rating agencies evaluation.

Yields would be better, generally. You can even get mnthly payouts. I don't think there is any FD in the world that will pay out mnthly interest.

BUT;,.... you must look at its returns too,...

If you look at the oerall returns from the performance charts, you will get this :-

1) if you look at the performance charts with dividends reinvested, you may get a rising performance over a certain period. But,..

2) if you look at the performance charts purely on the nav value, the tendency is you will get a falling nav over the same period.

This is what we have to be careful of.

[quote=Bora Prisoner,Nov 23 2019, 02:28 PM]
What’s wrong here? Dun understand ....

[/quote]

Its ok bro, didnt expect everyone to get it

Carry on then

[/quote]

Huh? Just say la....I don’t understand really...

All investments are NOT capital-guaranteed except for pure FDs from licenced banks by the authorities. And this too,... not the full amt is guaranteed.

Frankly,... I would want the bank to make money too,... I recalled one time. three years ago,.. I think ,... Standard Chartered, SG almost moved out of the share trading business because they charged too low and could not sustain. Retail investors lobbied hard over cyberspace and I think MAS read everything.

In the end, SCB, SG decided to 'let go' of their institutional business but retained the retail investors.

I would prefer to follow SCB.

Similarly today,... DBS Vickers is going to 'let go' of their call-in clients to UOB-KH,... BUT has decided to retain us retail investors who buy via net.

A Sept'19 account that knows "/k's 20k/month". That's 108% a /k dupe & most likely just a kuda.

But there's quite a number of those kinda people here too; blow water kuda. Throw in some high quality bait, kopi pasta materials, plucked some statistic from thin air & kuda all over. Then new users calls them sifu/master. When the account finally ripen, it's ready for aromachong round 2.

I know what u mean but he could be following this forum for a while and know of all these lingos.... even it’s a dupe account, it does not mean anything at all...

He has medical knowledge .. what’s the point of kudaing so much? He seems to be asking genuinely la... anyway, it’s anybody guess but I just take it as it’s real and answer from there ... whether it is really real or not , who cares ? It’s not as if my life depended on it ...

Well like you said, just answer sincerely assuming it's real. There's nothing much to lose anyway.

When you said that you don't understand, i thought you don't understand the underlying meaning. But if you're referring to don't understand as in what's wrong, then there's nothing wrong to answer or not. Just personal preference.

Ya, I was referring to not caring whether it’s real or not.. just take it as a real scenario and then discuss on it lo.. thx

You're a kind soul, keep it up as this place needs more people like yourself. There quality here has been dropping over the years.

Thx for compliment ya.. but I not really a kind soul.. I just say truth as it is and sometimes I also agitate quite a number of ppl cause they talk nonsense or have what I believe are wrong convictions/ statements ...

Well,... I, for one, was ready to believe, and possibly hoping that he was real. I have yet to meet someone with that amt of Passive Income being generated consistently, consciously....

For myself,... everytime I'm able to catch hold of a good income ctr/instrument, after sometime, either that ctr goes bad or another ctr gives problems for which I need to divest, at a profit or by loss-cutting. It's hard to build a consistent Passive income from instruments,...

I'll give a current situation for which I'm experiencing here and now, otherwise,... I might be regarded as a 'blow-water kuda',...

Today,.. I'm struggling again,... I just divested First REIT which I've been holding for 13 years. FREIT was giving me 11+% of yield vs cost price. Don't know where to put the money.

Then, MNACT started giving me problems. 6.60% vs Cost Price. That day divested a few percent,... got money back also.

I was looking at ec World REIT,... but the hedging technique is really an issue here, the SGD dpu keeps falling.

I bought up SPH REIT for its 'safety' before it acquired Westfield Marion - this was nice timing,... I knew it would make an acquisition soon. Hehe,... but now ? The price fell after halt lifted, as if Westfield Marion was a bad buy.

I'm now averaging UP , not down on a ctr, but I can't really say this ctr is very safe,....

This is what I am going through currently. Just sharing....

Bank Rakyat does. Some other banks also have monthly interest in fd strictly for senior citizens. Also longer term placements of 24 months and above get higher rates. 60 months placements are not unheard of.

The correct performance chart should be on its growth performance. Ignore those charts plotting the nav prices, the nav prices of mutual funds are erratic due its distribution/dividend, it is wrong and meaningless to plot their nav prices as if they are same as gold prices.

P.s. in a large fd placement, one can also ask/negotiate a better rate than the standard board rate.


This post has been edited by j.passing.by: Nov 23 2019, 05:45 PM

More likely a large number of scb priority customers have stocks as aum and likely to exit if scb no longer in stocks broking.

There isn't any instrument that is forever green. One needs to rebalance and shift portfolio from time to time.

Given growing online shopping, demand and yield of REITs is expected to drop.

Sifu Master, sorry no understand?
Why send me this picture privately?
Pls send to correct person. Thank you.

To yr first sentence,... I'm sure the institutional clients (instos, in ASX investment forums) have large assets under mgmt with SCB too,... probably would be larger than retail priority clients. Why would SCB chose to 'push out' the instos to another party ?

To yr fourth sentence, what you said applies to RETAIL REITs only. There are many types of REITs.