QUOTE(alexkos @ Jan 26 2019, 05:29 PM)
gooding bro..... mind to share ur asset allocation just for bond only? still cracking head how much % to gomen and corporate bond hehe
I don't invest in retail bond because I personally feel the concentration risk is too high and return is just average. For fixed income, I am more interested in bond funds and P2P Lending.
QUOTE(Ramjade @ Jan 26 2019, 09:47 PM)
I am not misleading. Based on track record, they never dip below 6%.Hvae you see them drop below 6%? 6% is like their benchmark.
Of course there's always a first. But the first have yet to be seen. So far min also 6%
Why do you think asnb is super popular among Malaysians?
As you mentioned yourself, there is always a first. Just because it has not happened before does not mean it will never happen. The world is constantly changing. In fact, 6% is the lowest historically up till now. It was higher in the years before. In the past few years, the return seemed to be on a downtrend. What is there to stop it from going below 6% if the stock market is not doing well? Hence, no such thing as minimum return.
ASNB is super popular among Malaysians because it is one of the best low risk and low fees investment options available. Not because of minimum 6% return and guaranteed higher than FD return. There is no guarantee.