Investing should not be too hard if you have a systematic way. This platform has a referral reward programme known as Fundatiz Bonus. Bhd. If you are wondering about safety, rest assured that as an investor you will be protected and covered by a ‘living will’. Opinions expressed herein are solely my own. Tip #4 – Re-Invest Register and fill in personal or company particulars, Upon successful verification, select notes to invest in, Wait for system confirmation on ability to invest, Check email and personal homepage on progress. Honestly, I personally think that the grade of a note plays a not so significant role in selecting which note to invest in. Bhd.) The request is done through an online digital platform. Click “Smart Invest” on your homepage. Low origination fees starting from 1% per annum No legal fees and documentation fees Fundaztic charges a 1% fee on every note. All information or ideas provided are to be used at your own risk." Make your capital work harder. Upon successful verification, you can start investing in notes. She adds that Fundaztic’s ultimate aim is to educate investors in building their portfolios as fast as possible. ). Just follow the video instructions and start gaining access to … All rights reserved. Funding amount is between RM20,000 to RM200,000 with short repayment periods of between 3 months to 36 months with interest rates as low as 8% per annum. My experience. Similarly, P2P platform Fundaztic saw good growth in 2020 despite the MCO, especially from July onwards. Here are the step by step to register as an Issuer on Fundaztic P2P Financing platform. Isn’t it great that by investing via Fundaztic, you will not just gain attractive returns of investment but at the same time be helping a worthy SME grow their business? We would discuss: – Brief Introduction of Fundaztic – Strategies to mitigate your risk and earn more with Fundaztic It is used to compare the annual interest between funding with different compounding periods like week, month, year etc. In the Capbay auto invest system you can only set the target amount to be invested. Below are the referral link to Fundaztic. We aim to ensure that the session is informative and interactive, we at Fundaztic believe that it is important for our investors to understand our P2P platform better, so do attend to learn key investing insights with Fundaztic. Today I’m going to share with you the complete review of P2P lending platforms in Malaysia after having a thorough comparison of each platform. Referral reward. 你需要投入最低投资金额RM50以使用相同等值的Fundaztic Bonus。. How It Began Image Credit: Fundaztic Nonetheless, this rate is before the fee charged by the platform. The current promotion starts from 1 August 2018 till 30 September 2018. That’s the general question that investors would definitely ask before getting their toe wet in P2P lending Malaysia. Fundaztic - Where smart investors and entrepreneurs connect. Use capital gains to maximize returns of investment. Performance Review of My P2P Investment 2020, Private Retirement Scheme (PRS) Tax Relief Extension, By continuing, you accept the privacy policy. Want to know how I find and analyze a stock? How do I select which note to invest? Join us for our Investment Talk on the 21st of March 2020 for an enriching session on how to invest in P2P Financing. The grades correspond to the credit rating of the borrowers. You may get Fundaztic Bonus if you register or when you refer a friend during a promotional period. I look at two criteria. Fundaztic (Link) is a peer-to-peer financing platform in Malaysia. Required fields are marked *. Register now at https://www.fundaztic.com/new/p2p.html This interest works according to the simple interest and does not take into account the compounding periods. If you are Black Belt Millionaire readers, you get to enjoy instant RM50 bonus when you invest with as low as RM50. Fundaztic - Best Peer-to-Peer Financing Platform in Malaysia (Peoplender Sdn. Use this opportunity to get the bonus! My personal cut off point is 8%. "All written content on this site is for information purposes only. This platform links borrowers (mainly local small and medium enterprises) and lenders together. Flat or Nominal interest rate is defined as a stated interest rate. The first is the interest rate per annum (not the effective rate). Fundaztic: Link here or use the invitation code: Cg6QS1 – If you register and invest through this link, both of us will get RM 50*. Amount. Peoplender Sdn Bhd, the operator of peer-to-peer (P2P) financing platform Fundaztic.com, launched the country’s first secondary market for P2P financing on July 20. P2P financing is a path for the entrepreneurs and/or the startup businesses to request for funds from the crowd. This concept of “living will” means that the integrity of all notes issued will continue even in the event of the platform failure. In other words, the lower the PD, the lower the risk of default. PD measures the likelihood of the borrower turning default within the next 12 months. You will need to invest a minimum of RM50 to utilize a Fundaztic Bonus of the same value. *Terms and conditions apply. Next, click “Add Setting”. Fundaztic - Where smart investors and entrepreneurs connect. I hope to share with you the opportunities in Malaysia and my own experience in the investing journey. The target amount is a portion … Let’s compare an investment capital of RM20,000 over a 24-month period by selecting fixed deposit, unit trust, and bonds against Fundaztic’s P2P financing side-by-side. Some of them stop at 20 notes. “We find that a lot of young investors, some of them will just invest in one note and then they will start praying that nothing goes wrong. Fundaztic is the best and most trusted peer to peer lending platform in Malaysia. A1 represents lowest risk while E10 means highest. That means I can randomly login to my Fundaztic account & there are high chances that I am able to invest as long as I have a minimum balance of RM50. Are you interested to learn more about investing? Register Now! There are many benefits when you invest with Fundaztic P2P Financing. This interest works according to the simple interest and does not take into account the compounding periods. Investors, who are interested in investing in the debt financing of these businesses, for more info visit: https://fundaztic.com Fundaztic uses the soft approach when the note is overdue for less than 60 days. Below RM50,000. Fast, Safe and Secure way to borrow money online to earn high returns with P2P lending. It’s recommended to have the Smart Invest feature turned on as in the future, Fundaztic will be prioritising Smart Invest members first rather than manual investors. This risk grade determines the amount of funds that an issuer can raise and the pricing that they must pay. After that, the bot will auto invest for you in the future according to your criteria. That means you can enjoy 120% potential return on your first investment. We provide a virtual marketplace where borrowers and lenders can interact directly. The promotion starts again from 11 November 2018 till 28 February 2019. Register Now! With Fundaztic achieving such an amazing feat, we reached out to them to find out how it all started and what they have planned for 2019. Effective interest rate is the one which caters to the compounding periods during a payment plan. I have described my way of selecting notes to invest in Fundaztic. Fundaztic aims to drive access to financing so even micro businesses and start-ups can apply. Fundaztic P2P Fundaztic aims to drive access to financing so, even micro businesses and start-ups can apply. “It is the perfect time [to launch the secondary market]. IE and Opera browsers are not advisable. Grow your wealth as issuers make repayments. For Business Material presented is believed to be from reliable sources and no representations are made by me as to another parties’ informational accuracy or completeness. Thus, I will only invest in notes with PD of less than 8%. At Fundaztic, investors are advised to take a questionnaire to gauge his/her risk profile, which will guide them in choosing the right investment note to invest in. Re-investing using your returns allows you to stretch your initial capital further to maximise returns. The second criterion is the PD. The notes are rated according to 10 risk grades, starting with A1 to E10. Impressed, I have invited Kristine Ng, Director and CEO of Fundaztic on my next 1-Hour Live Webinar to share as much as she can about how all of us can invest as a P2P financier on Fundaztic’s platform. Let’s dive right in. As Fundaztic’s minimum investment amount is only RM50 per note, it is easy to use returns of investments to re-invest and thereby managing your exposures and overall risks. You should devise your own criteria too to reduce the time taken to select a note. Each grade is represented by a different colour. Out of these notes, one note has defaulted and one note has been repaid fully. The auto investment (investing bot) option for Capbay is not similar to other p2p platforms (eg Fundaztic, Funding Societies). Effective interest rate is the one which caters to the compounding periods during a payment plan. Fundaztic Bonus works based on the concept of "buy 1 free 1". Fundaztic is the best and most trusted peer to peer lending platform in Malaysia. Bad is defined by CTOS as such: 1. It allows the platform’s investors to cash out from their existing investments or to buy more notes to enhance their returns, says CEO Kristine Ng. With this approach, ... What I do is to invest the minimum amount in as many notes that I can afford, based on my criteria. Bad Rate is used to predict the likelihood of the particular Note turning Bad within the next 12 months and is directly taken from CTOS SME Score where Fundaztic uses it as part of its credit evaluation process. Bhd.). 要使用Fundaztic Bonus,我需要投入多少本金?. Fundaztic.com website supports and works best with the latest browser versions of Mozilla Firefox, Microsoft Edge, Chrome or Safari. Insert the amount that you wish to invest in the Notes. If you think I have done a good service in explaining the topic, please click on the link below if you have interest to register. A Brand New Investment For You on Fundaztic (Peoplender Sdn. What I like about Fundaztic is, I am able to invest in most of the notes since their notes do not hit the maximum funding as fast as Funding Societies. Otherwise, you can always search Fundaztic with Google and register yourself. This figure is shown under the grade of a note. Your email address will not be published. Comment document.getElementById("comment").setAttribute( "id", "a800f2d596f8013b7cdcc01b761d94ab" );document.getElementById("a590c0574c").setAttribute( "id", "comment" ); This is a blog about investing in Malaysia. Copyright © Fundaztic, Peoplender Sdn Bhd 2020. You can invest with peace of mind with Fundaztic. Theme by. What are you waiting for? Fundaztic P2P is here to help you! Select “Active” and click “Submit”. RM50,000 to RM75,000 Above RM75,000 You can invest based on your preference and risk profile as little as RM50. Furthermore, with a minimum investment of just RM50, anyone can practise diversification through Fundaztic. Sign up now to invest. We provide a virtual marketplace where borrowers and lenders can interact directly. Does Fundaztic plan to apply for a digital banking licence, sell out to a financial institution, list on the ACE Market, or issue Islamic investment notes? This is the one measurement that we need to pay attention to. This is the real interest that we will get annually. Bear in mind that there is still risk of default even though this figure is low. A Brand New Investment For You on Fundaztic (Peoplender Sdn. If you have any questions, please visit our FAQ section or email us at [email protected], Mondays to Thursdays (9am to 5:30pm), and Fridays (9am to 5pm), [email protected] +603-7710 0858 +6012-508 5853. Distribute your funds across as many notes as possible to protect against default risks. And while it sounds more time consuming than it actually is, Fundaztic does offer an auto-invest feature which automatically invest into the investment notes based on the investor’s investment criteria. Since this platform introduces so many notes per week, how should we choose? Calvin Foo, acting CEO, discusses these questions, as well as whether SMEs are borrowing to merely survive or to grow, how Fundaztic manages risks of its issuer portfolio in a pandemic, and what is in its business plan for the next … Indirectly, by investing, you will be playing a role in spurring economic growth as SMEs form the backbone of our economy, 当您投资在我们的产业,您不止可以得到丰富的投资回报,而且也可以间接地帮助了中小型企业的发展。. Fundaztic offers a new and easier investment vehicle to further simplify the process and help turn savers into investors. The lower this percentage is, the better it is for us. Fast, Safe and Secure way to borrow money online to earn high returns with P2P lending. Flat or Nominal interest rate is defined as a stated interest rate. Currently, I have invested in 14 notes. Fundaztic only charges a 1% Platform Management Fee from your monthly returns. What Are The Other Benefits Investing With Fundaztic? Your email address will not be published. The promotion starts again from 11 November 2018 till 28 February 2019. If you have your own criteria already, do share with us in the comment section below. For example, for an investor between 30 and 40 years old with a Bachelor’s degree-level qualification, who would like to see moderate capital growth in his/her investments, would likely have a conservative approach … Each alphabet (A to E) is divided into two grades, thus there are A1 and A2, B3 and B4 and so forth. It is used to compare the annual interest between funding with different compounding periods like week, month, year etc. For a user to turn on Fundaztic’s Smart Invest, you would need to put in a minimum of RM2,000 for Smart Invest to kick in and start automatically investing. Taking this into account, the minimum interest rate I require is 10%. Every loan is known as a note on this platform. The amount that you invest must equal or more than the value of the Fundaztic Bonus. Fundaztic: Link here or use the invitation code: Cg6QS1 – If you register and invest through this link, both of us will get RM 50*. By clicking on this link, I may gain referral rewards from your registration with the platform. “Which is the best P2P lending platform in Malaysia?”. As for an ECF platform, it is a fundraising campaign where people invest in a company (commonly SMEs) in exchange for shares in that company. Value of the borrowers ’ s the general question that investors would ask. You will need to invest in P2P Financing platform in Malaysia ( Peoplender Sdn are benefits... Words, the better it is the one measurement that we will get annually take into account the periods. We choose take into account, the better it is used to compare the annual interest between funding different. Have described my way of selecting notes to invest in notes I require 10. Investment Talk on the concept of `` buy 1 free 1 '' All information or ideas are... Raise and the pricing that they must pay using your returns allows you to your! You will need to invest in Fundaztic investing journey you have a systematic.. 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The compounding periods – Re-Invest a Brand New Investment for you in the notes low as RM50 with of...