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Hoe to buy bond, Apart from FSM platform
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Ramjade
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Jan 25 2019, 09:56 AM
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QUOTE(alexkos @ Jan 24 2019, 11:05 PM) tq @ knight... itu bursa listed bond dia punya bid/ask spread quite crazy..... nevertheless, good finding...tq =) Bonds not good in Asian market. Bonds only good in US and EU market. If want to go for bond, better pick funding societies.
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Ramjade
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Jan 25 2019, 10:53 AM
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QUOTE(donhay @ Jan 25 2019, 10:51 AM) Want to diversify my portfolio and looking into bonds ( what are the generally coupon (interest) rate of bonds that you can invest with Malaysian banks? Thank you. Am planning for 2-5 years 4-5%. If buying from banks, need to be priority customer.
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Ramjade
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Jan 25 2019, 10:59 AM
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QUOTE(donhay @ Jan 25 2019, 10:55 AM) Thank you, will check with CIMB and Maybank In my opinion if one is getting 4%+, might as well go for FD. More secure. Also if 5%, better ignore it as ASNB is giving min 6% for their fixed price fund.
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Ramjade
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Jan 26 2019, 12:33 PM
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QUOTE(alexkos @ Jan 26 2019, 12:10 PM) but, isn't asnb very hard to enter for non-bumi? still open? fix 6%? nice wei Yes and no. Yes if you don't know time to buy. No if you know when to buy and follow forum. These few days people easily hentam RM10-20k. Masuk easily. Is always open. Just whether got unit or not.
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Ramjade
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Jan 26 2019, 09:47 PM
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QUOTE(Nom-el @ Jan 26 2019, 02:28 PM) Stop misleading people with the notion that ASNB fixed price fund min. return is 6%. There is no minimum return, that is just the lowest return historically. The return is still affected by the performance of the underlying equities. It can be higher or lower every year. 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? This post has been edited by Ramjade: Jan 26 2019, 09:49 PM
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Ramjade
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Jan 27 2019, 08:07 PM
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QUOTE(Nom-el @ Jan 27 2019, 05:36 PM) 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. 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. You do know that if they give less or equal FD disaster is going to happen right? The lowest I think they can drop is 5%. As ASB cannot drop too much. How long will it take to reach 5%? I don't know. Who knows never. Know why ASNB exist in the first place
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