What's happening to my Ringgit?
Understand FOREX and how it impacts the value of your dollar.
What is
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
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
|
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).
|
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).
Ready to invest?
Register your interest and our dedicated team will be in touch.
Visit our nearest HLB branch and talk to our representative.
Frequently Asked Questions
The minimum investment amount to invest in Bonds starts from RM250,000.
A price spread will be imposed for any buying or selling of a bond. Kindly refer to the term sheet of the bond for the settlement amount.
No, you are allowed to sell your bond to other buyer in the secondary market prior to the maturity date.
The principal investment and returns on bond 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 bond 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
Here is some information to help you get started...
Select the bonds that fit into your investment objective and risk profile. Contact your Relationship Manager to
find out more about Bonds.
Consider
My personal or joint net assets with my spouse, excluding primary residence, exceed RM3 million or its foreign currency equivalent; OR fff
My personal or joint net assets with my spouse, excluding primary residence, exceed RM3 million or its foreign currency equivalent; OR
My personal or joint net assets with my spouse, excluding primary residence, exceed RM3 million or its foreign currency equivalent; OR
My personal or joint net assets with my spouse, excluding primary residence, exceed RM3 million or its foreign currency equivalent; OR
My personal or joint net assets with my spouse, excluding primary residence, exceed RM3 million or its foreign currency equivalent; OR
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A corporation with total net assets exceeds a RM 10 million or its foreign currency equivalents based on the last audited accounts
My personal or joint net assets with my spouse, excluding primary residence, exceed RM3 million or its foreign currency equivalent; OR
My personal or joint net assets with my spouse, excluding primary residence, exceed RM3 million or its foreign currency equivalent; OR
Ready to invest?
Frequently Asked Questions
The minimum investment amount to invest in Bonds starts from RM250,000.
A price spread will be imposed for any buying or selling of a bond. Kindly refer to the term sheet of the bond for the settlement amount.
No, you are allowed to sell your bond to other buyer in the secondary market prior to the maturity date.
The principal investment and returns on bond 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.
Disclaimer
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).
