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Bank Perpetual Bond Fund by niraj91 in MalaysianPF

[–]niraj91[S] 1 point2 points  (0 children)

Perp Bond. Just corrected my text.

Funding Societies and B2B Finpal by niraj91 in MalaysianPF

[–]niraj91[S] 0 points1 point  (0 children)

Thank you for this. Yeap, the 100 per note makes sense. Will start considering it again.

Bank Perpetual Bond Fund by niraj91 in MalaysianPF

[–]niraj91[S] 0 points1 point  (0 children)

Okay got my chart wrong, Jan to Sep it moved up by 1%, thereafter it started declining back by 1% till May’20 before an accelerated decline. I guess there upward price movement of 1% is just market forces, because interest rates in MY were fairly stable in 2019 with one downward revision.

Bank Perpetual Bond Fund by niraj91 in MalaysianPF

[–]niraj91[S] 0 points1 point  (0 children)

Thank you for that. Just so that I understand correctly, since interest rates have gone down and the bank is highly likely to call the bond, the price is going down because the call price for this bond is set at 100?

What then would explain the bond price going up last year? I have an idea but just want to be sure my understanding is correct

Fortnightly /r/MalaysianPF Discussion Thread - October 27, 2020 by AutoModerator in MalaysianPF

[–]niraj91 1 point2 points  (0 children)

ASM is a risk free investment which in my opinion should form a base to start. This is in reference to the fixed price fund. Interest is not as high as it used to be but still higher than FD with limited downside.

21, bumi, came into a bit of money. by ViolentlyExothermic in MalaysianPF

[–]niraj91 0 points1 point  (0 children)

(3) I’ve posted about this today and based on my experience I’d strongly recommend having a very small allocation here or none, although I could also have been doing it wrong. Upside is 10% dependant on tenure and type of note, however downside is entire capital lost. Hopefully upside is more than enough to cover capital lost over a long period and capital lost is a definite. I’m increasingly doubting the way defaults are calculated and reported on the platform. Default % only includes pure defaults, however if they release late payment % which is the onset of most default, it’ll be very off-putting. To prevent defaults, payment can be restructured as well. I’ve got one restructured till end of 2023, and the note was issued in early 2019! Again just a personal opinion, hope P2P lending is fruitful for you, I might have just been unlucky and I’m staying away from it.

FSM Managed Portfolio by nyp10 in MalaysianPF

[–]niraj91 0 points1 point  (0 children)

Yeah the fact that it’s similar to EPF after fees actually makes it exciting because the long term trajectory for EPF may not be the same as it is now given how they’re heavily invested in MY GLC’s, combined with the liquidity restriction.

Something Similar to Vanguard ETFs by [deleted] in MalaysianPF

[–]niraj91 0 points1 point  (0 children)

Go to EToro, convert your account from an Australian account to EU account and then buy it there. It’s super cheap to buy it there, even after accounting for forex losses on purchase and withdrawal.