My posts have been factual and consistent from day 1, but in a Forum like this where there isn’t a prize for being the best orator, or an award for being the one who got the final word in, I prefer friendly discourse and exchange of ideas rather than a cockfight over who has the bigger dick and does having a wider diameter count as bigger, or must it only be the length, hahaha.

At the end of the day, I’m not a professional financial advisor and what I’ve shared are personal anecdotal experiences which hopefully can contribute to the overall helpfulness of a forum such as this - but woe be the reader that doesn’t do his own due diligence and rushes into any financial decision based on the whimsical musings of the many and myriad contributors here.

I value your insights, as much as I do many of the other helpful contributors here, and I hope to also be able to play a small part in adding to the general helpfulness of the online community.

that to me is very reasonable

remember the post saying i cannot know
if my bankers are not manipulating me unless i know at what price the buyer bought my bond.

do you expect to sell your bond at $102 and your bankers sell it to buyer same $102?
all those illogical sayings came firing when i argued bankers cannot simply do hanky panky

i dont agree this is about who is bigger or longer,

this is about accountability. say what you mean and mean what you say

and be prepared to be querried
public forumn mah...

Agree, I personally prefer to state facts as they pertain to me and not embellish them, but I’m also discerning enough to respect that my facts are valid insofar as my point of view is concerned, and may not be the only version of truth out there.

I've deleted my original question concerning the denomination of the bond, since it inexplicably offended the sensitivities of certain posters here. I'm not here to create discord.

This post has been edited by hksgmy: Jun 8 2024, 11:11 AM

I believe only the Singapore Private banking people get all the good deal, Malaysia ones get the leftovers. At least that's what one Malaysia UOB private banker admitted to me. Sad...

Ringgit.

Actually, interestingly that’s exactly what my RM told me… that until I upgraded to Private banking with her, she wasn’t allowed to offer Prestige/Premier/Priority/Privilege customers IPO bonds.

Wah, then 4.92% isn’t all that attractive in MYR, not when you factor in the appreciation of the SGD relative to MYR. Nevertheless, did you buy any?

Ya, but my point is Malaysia Private banking customers take the leftovers from Singapore which the good ones all taken. Singapore is afterall the financial center.


Future currency movement no one knows. But yes judging by recent trend plus anticipated future trend, ringgit most likely will drop further. But it is very painful now to convert to SGD or USD. Not many people in lowyat forum has access to overseas market like you, so sadly we are stuck with Ringgit Bond.

Genting M is quite highly rated AA1 by Malaysia rating agency. 4.92% is one of the better ones launched lately. The rest all cannot make it. AMBANK or PB launched their 5 years bond the YTM only 4 to 4.1%... Even the Afffin Bank AT1 callable bond less than 4.5% or 4.8% I think. Basically sad and sucky.

Yes I bought some. https://www.thestar.com.my/business/busines...13bil-from-mtns

It seems that the bond yields in Malaysia track the official interest rates even more closely than the yields in Singapore… as you can see from the latest tranche realised by HSBC, I’m able to get more than 2 percentage points above the going interest rate in Singapore (discounting any special ongoing promotional rates).

I need a little assistance from expert bond kakis regarding access to financial statements of unlisted companies (i.e. P/L statement and balance sheet, multiple years if possible).

I buy bonds from FSMOne. For companies not listed on Bursa like Exsim Capital Resources Berhad, how do I get their financial statements? FSMOne doesn't provide them.

he reported this post
would you report a post if you cant rebut facts?




i agree but in public forum we must remember whatever posted is open to scrutiny.
we must read critically
ask questions

posting ostensibly "insider news" to show he knows what we dont
seemed blended well with many here
bothering on misinformation can be accepted
if bond insider say so

1)Bond unregulated .prices can be manipulated ,opague. sell you RM5 higher also you wont know!
2)Reputation not important for bankers , manipulate your price so what?
3)To know you are manipulated or not you must know at what price bankers bought or sell it.
indirect way of saying if bank bought at RM98 it must sell you RM98 also lah, then you are not manipulated?

you agree to all above in your years of buying bonds?
i dont as i know that is not the truth in my years of buying bonds

he wanted to to promote this

the above is absurd.. every bond we buy everything is shown to you clearly
what is there to look for fees, to calculate ourselves what is the nett yield??

It is all there clearly stated you dont need to do calculation ,
nett yield already calculated for you!

example below

I still can’t get over the blatant money grab as per your example above… it’s an IPO bond, and they are already charging a RM2 margin from the get go…. Crazy!

Eh. I didn't know that post was reported by someone who noticed how silly you are TS.
Although I did say I am ignoring you, do allow me to report that exact post one more time to make a point.

So aggressive to show so little knowledge you have. Scary behavior. But it does make a good read on how much retail buyers know. lol

This post has been edited by Wedchar2912: Jun 9 2024, 01:19 PM

embarrassed and angry
he has shown his true color

is that a response from someone intelligent?

you got a lot to learn from hksg

u still don't get my point ar? somehow I have the feeling that I am trying to educate a petulant kid.

u go try to report the same post twice and see if u can do it. go and try.

really need to stop taking your bait to respond... no way I will educate you further...

bro, at least now this chap claim you are the smart one as above replies... while earlier he claimed u been lying too on some of your replies.... haha.

don't worry bro... 2 bucks is cheap for some people who makes millions with his properties all giving return of tens of % yield... lol.

that is why i said you are not intelligent

because there is no further notifcation of another report on that post of mine
clearly you have reported earlier, you cant do it again.

you got a lot more to learn bro

PS
if you are clever you should have simply reported my other post bro!
to generate another notification of post reported.
or go ask your ampu kakis to report

This post has been edited by guy3288: Jun 9 2024, 04:51 PM

you meant bro hksgmy messaged you in private say bad things about me?

come on guys be a man lah!

bond insider guy actually is accusing me of claiming hksgmy lying in some of his replies

hope he is man enough to back up what he had accused me of.

this is serious accusation.
he got to be banned if he cant show proof.


This post has been edited by guy3288: Jun 9 2024, 10:58 PM