Timing the Market vs Time in the Market
The benefits of staying calm and giving the market time.
Generate your stream of income by investing in Bonds / Sukuk
What is Bonds?
Bonds are debt instruments issued by governments, banks, and companies that are
either higher quality (investment grade) or lower (high-yield) which would affect their
default risks. The periodic coupons received can be either fixed or varied.
You can be spoilt for choice from choosing either short- or long-tenured maturity.
What are the benefits of investing in
Bonds?
Predictable Cash Flow
You would receive periodic
coupon payouts from your
bond investment.
Flexible Investment Horizon
From as short as 1 year to
as long as 30 years. You
can buy or sell at any time.
Stable Price Movement
Bond prices are less
volatile as compared
to stock prices.
What to look out for when buying
Bonds ?
|
Price
Starts at Par Value (100); but can trade at a discount (<100) or at a premium (>100) based on supply and demand.
|
Yield to Maturity
The total return anticipated on a bond if the bond is held until it matures, which comprises of coupon and the movement of the bond price toward Par Value (100).
|
Issuer
The credit quality of the issuer is a determinant of the ability to pay back the principal when the bond matures.
|
Tenor
Usually the longer the tenor, the higher the price volatility, but it comes with a higher coupon. The longer the tenor, the higher the risk.
|
Coupon
The “interest” repayment that the issuer promised investors. Calculated based on Par Value (100).
Register your interest and our dedicated team will be in touch.
Visit our nearest HLB branch and talk to our representative.
The minimum investment amount to invest in Bonds starts from RM250,000.
No, fees and charges are not applicable.
No, you are allowed to sell your Bonds to other buyer in the secondary market prior to the maturity date.
The principal investment and returns on Bonds investments are not guaranteed. Bonds do not constitute bank deposits or obligations nor guaranteed by the bank and are subject to investment risk, including possible loss of principal amount invested. Your insured deposit(s) will no longer be protected by PIDM if transferred to non-PIDM covered institutions or accounts such as Unit Trusts.
You may consult the Relationship Manager attending to your account to find out more about the latest offerings we have on Bonds investments.
Risk Disclosure:
Bond is NOT equivalent to a fixed deposit. Bonds are mainly for medium and long term investment, not for short term speculation. You should be prepared to invest your funds in Bond for the full investment tenor. Any redemption prior to Maturity Date (unless called by the Issuer) is subject to market-to-market cost and may result in the customer losing part of or all the Principal Amount.
Warning:
The bonds are subject to the perceived/actual measures of credit worthiness of the issuer and the guarantor (if applicable). There is no assurance of protection against a default by the issuer/guarantor (if applicable) in respect of repayment obligations. in the worst case scenario, the investor might not be able to recover the principal and any coupon if the issuer and/or the guarantor (if applicable) default on the bonds.
The investor is reminded that the bonds are not protected by Perbadanan Insurans Deposit Malaysia (PIDM).
Money withdrawn from your insured deposit(s) is no longer protected by PIDM if transferred to a non deposit account, e.g. Unit Trust, Bond, Dual Currency Investment (DCI), Negotiable Instrument of Deposit (NID) and Floating Rate Negotiable Instrument of Deposit (FRNID), Structured Investment, ASNB, Investment Account-i etc.
This advertisement has not been reviewed by the Securities Commission Malaysia (SC).
Learn, invest and grow with
Fresh Take
Here is some information to help you get started.
Choice of Bonds
Select Bonds that fit into your investment objective and risk profile.
Contact your Relationship Manager to find out more about Bonds.
Consider the
My personal or joint net assets with my spouse, excluding primary residence, exceed RM3 million or its foreign currency equivalent; OR
My spouse and I have a joint gross annual income exceeding RM400,000 or its foreign currency equivalent in the last twelve months; OR
My gross annual income exceeds RM300,000 or its foreign currency equivalent in the last twelve months; OR
I, or my spouse and I, have a personal or joint investment portfolio exceeding RM1 million or its foreign currency equivalent in capital market products.
A trust company registered under the Trust Companies Act 1949 and manages assets exceeding RM10 million or its foreign currency equivalent; OR
A corporation with total net assets exceeds RM10 million or its foreign currency equivalent based on the last audited accounts; OR
A corporation engaged in fund management for its related companies and managing assets exceeding RM10 million or its foreign currency equivalent, falls under regulation; OR
A pension fund approved by the Director General of Inland Revenue under the Income Tax Act 1967; OR
A public listed corporation under the Companies Act 2016, approved by the Securities Commission Malaysia, to act as a trustee under the CMSA and managing assets exceeding RM10 million or its foreign currency equivalent; OR
A partnership with total net assets exceeds RM10 million or its foreign currency equivalent; OR
A statutory body established under any laws, unless specified otherwise by the Securities Commission Malaysia
Register your interest and our dedicated team will be in touch.
Visit our nearest HLB branch and talk to our representative.
The minimum investment amount to invest in Bonds starts from RM250,000.
A price spread will be imposed for any buying or selling of Bonds. Kindly refer to the term sheet of Bonds for the settlement amount.
No, you are allowed to sell your Bonds to other buyer in the secondary market prior to the maturity date.
The principal investment and returns on Bonds investments are not guaranteed. Bonds do not constitute bank deposits or obligations nor guaranteed by the bank and are subject to investment risk, including possible loss of principal amount invested. Your insured deposit(s) will no longer be protected by PIDM if transferred to non-PIDM covered institutions or accounts such as Unit Trusts.
You may consult the Relationship Manager attending to your account to find out more about the latest offerings we have on Bonds investments.
Risk Disclosure:
Bond is NOT equivalent to a fixed deposit. Bonds are mainly for medium and long term investment, not for short term speculation. You should be prepared to invest your funds in Bond for the full investment tenor. Any redemption prior to Maturity Date (unless called by the Issuer) is subject to market-to-market cost and may result in the customer losing part of or all the Principal Amount.
Warning:
The bonds are subject to the perceived/actual measures of credit worthiness of the issuer and the guarantor (if applicable). There is no assurance of protection against a default by the issuer/guarantor (if applicable) in respect of repayment obligations. in the worst case scenario, the investor might not be able to recover the principal and any coupon if the issuer and/or the guarantor (if applicable) default on the bonds.
The investor is reminded that the bonds are not protected by Perbadanan Insurans Deposit Malaysia (PIDM).
Money withdrawn from your insured deposit(s) is no longer protected by PIDM if transferred to a non deposit account, e.g. Unit Trust, Bond, Dual Currency Investment (DCI), Negotiable Instrument of Deposit (NID) and Floating Rate Negotiable Instrument of Deposit (FRNID), Structured Investment, ASNB, Investment Account-i etc.
This advertisement has not been reviewed by the Securities Commission Malaysia (SC).