Retail Securities Investment
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A wide range of retail bond investment solutions.
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Retail Securities is a form of debt security in which the issuer, depending on the terms of the securities, is obliged to pay the holder of the retail securities interest or coupon at pre-determined intervals and returns the principal on the maturity date.
Why invest in Retail Securities?
- Potentially earn higher interest than regular fixed deposits
- Investors benefit from a steady stream of cash flow payments through retail securities
- Investors can liquidate their retail securities in the secondary market without forfeiting their accrued interest at the prevailing market price
Want to know more about Retail Securities Investment?
| Term(s) | Description |
|---|---|
| Issuer | A company that issues the Bond to investors in order to raise capital for its operations, expansion or other needs. |
| Principal | The amount paid upfront by the investors to purchase Bond which will then be returned upon maturity. It is also known as nominal value or par value of a Bond. |
| Maturity Date | The date in which the principal amount is repaid in full by the Issuer. |
| Coupon | For coupon-bearing bonds, this is the stated interest rate that the Issuer will pay to the bond holders, usually on a semi-annual basis. As investors buy bond issues through a secondary market, the actual bond yield will differ from the coupon rate. |
| Yield-to-Maturity | Internal Rate of Return that an investor would receive if they purchased the bond at the prevailing market price and held it to maturity. |
| Bond Ratings | It measures the quality of the issuer and its ability to make debt repayments. |
Eligibility
Who is it for?
Retail Securities Investment is suitable for those who:
- Has a medium to long-term investment horizon
- Want to diversify their investment portfolio to include Fixed Income instrument
- Want to enjoy a steady income stream through regular coupon payments
DISCLAIMER FOR INVESTMENT PRODUCTS
- The information provided herein is for reference and general information purposes only and should not be construed as an offer to sell, a solicitation to buy, or a subscription to any investment products.
- Investment Products are not obligations of, guaranteed or insured by the Bank and are subject to investment risks (e.g. market risk, currency risk and issuer credit risk) including the possible loss of the principal amount invested.
- Investors are advised to read, understand and carefully study the risk factors set out in the content of the relevant documents of the respective investment products including but not limited to the Prospectus or Information Memorandum and Product Highlights Sheet before investing. For more information and to obtain copies of the Prospectus or Information Memorandum or Product Highlights Sheet, please visit the nearest branch or consult our Relationship Manager / Sales Personnel.
- Investors should also consider all fees and charges involved before investing. Past performance of the investment product is not an indication of future performance.
- Investors should carefully consider whether any investment views or investment products are appropriate in view of their own investment experience, objectives, financial resources and relevant circumstances. If in doubt, investors should seek independent professional advice.
- Investment Products is not protected by Perbadanan Insurans Deposit Malaysia (PIDM).
PENAFIAN UNTUK PRODUK PELABURAN
- Maklumat yang terkandung disini adalah untuk rujukan dan tujuan maklumat am sahaja dan ia tidak boleh ditafsirkan sebagai tawaran untuk menjual, permintaan untuk membeli atau melanggan mana-mana Produk Pelaburan.
- Produk pelaburan bukanlah kewajipan bank, tidak dijamin atau diinsuranskan oleh bank dan adalah tertakluk kepada risiko pelaburan (contohnya, risiko pasaran, risiko mata wang dan risiko kredit pengeluar) termasuk kemungkinan kerugian jumlah prinsipal yang dilaburkan.
- Pelabur dinasihatkan untuk membaca, memahami dan mengkaji dengan teliti faktor risiko yang dinyatakan dalam kandungan dokumen berkaitan produk pelaburan masing-masing termasuk tetapi tidak terhad kepada prospektus atau memorandum maklumat serta lembaran sorotan produk sebelum melabur. Untuk maklumat lanjut dan mendapatkan salinan Prospektus atau Memorandum Maklumat atau Helaian Sorotan Produk, sila lawati cawangan terdekat atau rujuk dengan Pengurus Perhubungan / Kakitangan Jualan kami.
- Pelabur juga perlu mempertimbangkan semua yuran dan caj yang terlibat sebelum melabur. Prestasi masa lampau produk pelaburan bukanlah petunjuk bagi prestasi masa hadapan.
- Pelabur perlu mempertimbangkan dengan teliti sama ada sebarang pandangan pelaburan atau produk pelaburan adalah sesuai memandangkan pengalaman pelaburan, objektif, sumber kewangan dan keadaan yang berkaitan mereka sendiri. Jika ada sebarang keraguan, pelabur harus mendapatkan nasihat profesional bebas.
- Produk pelaburan tidak dilindungi oleh Perbadanan Insurans Deposit Malaysia (PIDM).
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