). IE and Opera browsers are not advisable. It is used to compare the annual interest between funding with different compounding periods like week, month, year etc. The current promotion starts from 1 August 2018 till 30 September 2018. Comment document.getElementById("comment").setAttribute( "id", "a800f2d596f8013b7cdcc01b761d94ab" );document.getElementById("a590c0574c").setAttribute( "id", "comment" ); This is a blog about investing in Malaysia. We provide a virtual marketplace where borrowers and lenders can interact directly. The request is done through an online digital platform. Fundaztic only charges a 1% Platform Management Fee from your monthly returns. Low origination fees starting from 1% per annum No legal fees and documentation fees With this approach, ... What I do is to invest the minimum amount in as many notes that I can afford, based on my criteria. This platform has a referral reward programme known as Fundatiz Bonus. Fundaztic (Link) is a peer-to-peer financing platform in Malaysia. Fundaztic P2P Each alphabet (A to E) is divided into two grades, thus there are A1 and A2, B3 and B4 and so forth. Bear in mind that there is still risk of default even though this figure is low. This is the real interest that we will get annually. Bhd.) I look at two criteria. 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. Some of them stop at 20 notes. Select “Active” and click “Submit”. 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. You may get Fundaztic Bonus if you register or when you refer a friend during a promotional period. The auto investment (investing bot) option for Capbay is not similar to other p2p platforms (eg Fundaztic, Funding Societies). For Business Tip #4 – Re-Invest Honestly, I personally think that the grade of a note plays a not so significant role in selecting which note to invest in. Register Now! Currently, I have invested in 14 notes. You can invest based on your preference and risk profile as little as RM50. Fundaztic aims to drive access to financing so even micro businesses and start-ups can apply. The target amount is a portion … Taking this into account, the minimum interest rate I require is 10%. 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. Fundaztic: Link here or use the invitation code: Cg6QS1 – If you register and invest through this link, both of us will get RM 50*. Since this platform introduces so many notes per week, how should we choose? By clicking on this link, I may gain referral rewards from your registration with the platform. 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. This is the one measurement that we need to pay attention to. 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. Register Now! Fundaztic.com website supports and works best with the latest browser versions of Mozilla Firefox, Microsoft Edge, Chrome or Safari. It is used to compare the annual interest between funding with different compounding periods like week, month, year etc. Bhd.). Here are the step by step to register as an Issuer on Fundaztic P2P Financing platform. This figure is shown under the grade of a note. We provide a virtual marketplace where borrowers and lenders can interact directly. A Brand New Investment For You on Fundaztic (Peoplender Sdn. What Are The Other Benefits Investing With Fundaztic? Fast, Safe and Secure way to borrow money online to earn high returns with P2P lending. That means you can enjoy 120% potential return on your first investment. After that, the bot will auto invest for you in the future according to your criteria. P2P financing is a path for the entrepreneurs and/or the startup businesses to request for funds from the crowd. 要使用Fundaztic Bonus，我需要投入多少本金？. Each grade is represented by a different colour. Distribute your funds across as many notes as possible to protect against default risks. 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 … The promotion starts again from 11 November 2018 till 28 February 2019. 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. Fundaztic is the best and most trusted peer to peer lending platform in Malaysia. 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. The second criterion is the PD. 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。. Below are the referral link to Fundaztic. Out of these notes, one note has defaulted and one note has been repaid fully. Otherwise, you can always search Fundaztic with Google and register yourself. Sign up now to invest. *Terms and conditions apply. Below RM50,000. 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 … If you are Black Belt Millionaire readers, you get to enjoy instant RM50 bonus when you invest with as low as RM50. Fundaztic uses the soft approach when the note is overdue for less than 60 days. 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. Upon successful verification, you can start investing in notes. Effective interest rate is the one which caters to the compounding periods during a payment plan. 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? If you have your own criteria already, do share with us in the comment section below. RM50,000 to RM75,000 Above RM75,000 This interest works according to the simple interest and does not take into account the compounding periods. Theme by. 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. The lower this percentage is, the better it is for us. Next, click “Add Setting”. All information or ideas provided are to be used at your own risk." Your email address will not be published. There are many benefits when you invest with Fundaztic P2P Financing. 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? Just follow the video instructions and start gaining access to … All rights reserved. Fundaztic: Link here or use the invitation code: Cg6QS1 – If you register and invest through this link, both of us will get RM 50*. This concept of “living will” means that the integrity of all notes issued will continue even in the event of the platform failure. Every loan is known as a note on this platform. Your email address will not be published. How It Began Image Credit: Fundaztic You should devise your own criteria too to reduce the time taken to select a note. You can invest with peace of mind with Fundaztic. Fundaztic charges a 1% fee on every note. The grades correspond to the credit rating of the borrowers. We would discuss: – Brief Introduction of Fundaztic – Strategies to mitigate your risk and earn more with Fundaztic Referral reward. 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. How do I select which note to invest? My experience. Grow your wealth as issuers make repayments. Required fields are marked *. Are you interested to learn more about investing? If you are wondering about safety, rest assured that as an investor you will be protected and covered by a ‘living will’. This risk grade determines the amount of funds that an issuer can raise and the pricing that they must pay. You will need to invest a minimum of RM50 to utilize a Fundaztic Bonus of the same value. Re-investing using your returns allows you to stretch your initial capital further to maximise returns. The first is the interest rate per annum (not the effective rate). Nonetheless, this rate is before the fee charged by the platform. Copyright © Fundaztic, Peoplender Sdn Bhd 2020. Fundaztic - Best Peer-to-Peer Financing Platform in Malaysia (Peoplender Sdn. Flat or Nominal interest rate is defined as a stated interest rate. In other words, the lower the PD, the lower the risk of default. Fundaztic P2P is here to help you! Fundaztic is the best and most trusted peer to peer lending platform in Malaysia. What are you waiting for? Join us for our Investment Talk on the 21st of March 2020 for an enriching session on how to invest in P2P Financing. Flat or Nominal interest rate is defined as a stated interest rate. Furthermore, with a minimum investment of just RM50, anyone can practise diversification through Fundaztic. Make your capital work harder. Use capital gains to maximize returns of investment. PD measures the likelihood of the borrower turning default within the next 12 months. “Which is the best P2P lending platform in Malaysia?”. Fundaztic offers a new and easier investment vehicle to further simplify the process and help turn savers into investors. In the Capbay auto invest system you can only set the target amount to be invested. 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. Let’s dive right in. Fundaztic Bonus works based on the concept of "buy 1 free 1". Similarly, P2P platform Fundaztic saw good growth in 2020 despite the MCO, especially from July onwards. The amount that you invest must equal or more than the value of the Fundaztic Bonus. 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. 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. Amount. 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. 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. Click “Smart Invest” on your homepage. Want to know how I find and analyze a stock? 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. Opinions expressed herein are solely my own. "All written content on this site is for information purposes only. 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. I hope to share with you the opportunities in Malaysia and my own experience in the investing journey. Register now at https://www.fundaztic.com/new/p2p.html The promotion starts again from 11 November 2018 till 28 February 2019. Bad is defined by CTOS as such: 1. 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. A1 represents lowest risk while E10 means highest. Investors, who are interested in investing in the debt financing of these businesses, for more info visit: https://fundaztic.com This platform links borrowers (mainly local small and medium enterprises) and lenders together. Fast, Safe and Secure way to borrow money online to earn high returns with P2P lending. Material presented is believed to be from reliable sources and no representations are made by me as to another parties’ informational accuracy or completeness. A Brand New Investment For You on Fundaztic (Peoplender Sdn. This interest works according to the simple interest and does not take into account the compounding periods. Investing should not be too hard if you have a systematic way. “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. 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. My personal cut off point is 8%. 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. That’s the general question that investors would definitely ask before getting their toe wet in P2P lending Malaysia. Insert the amount that you wish to invest in the Notes. Fundaztic - Where smart investors and entrepreneurs connect. Use this opportunity to get the bonus! 你需要投入最低投资金额RM50以使用相同等值的Fundaztic Bonus。. The notes are rated according to 10 risk grades, starting with A1 to E10. Effective interest rate is the one which caters to the compounding periods during a payment plan. 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. Bhd. She adds that Fundaztic’s ultimate aim is to educate investors in building their portfolios as fast as possible. Thus, I will only invest in notes with PD of less than 8%. Fundaztic - Where smart investors and entrepreneurs connect. Performance Review of My P2P Investment 2020, Private Retirement Scheme (PRS) Tax Relief Extension, By continuing, you accept the privacy policy. “It is the perfect time [to launch the secondary market]. Which is the perfect time [ to launch the secondary market ] defined as a stated interest rate you! Fees starting from 1 August 2018 till 30 September 2018 to utilize a Fundaztic Bonus based! 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