Gain from making a difference

Gain from making a difference

Browse Notes


Our Products

我们的产品

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? 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。


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Diversify


Diversify


Distribute your funds across as many notes as possible to protect against default risks.


Distribute your funds across as many notes as possible to protect against default risks.




Reinvest


Reinvest


Make your capital work harder. Use capital gains to maximize returns of investment.


Make your capital work harder. Use capital gains to maximize returns of investment.


How to Invest ?


Step 1
Register and fill in personal or company particulars
Step 2
Verify account


Step 3
Upon successful verification, select notes to invest in
Step 4
Wait for system confirmation on ability to invest

Step 5
Make payment as specified


Step 6
Check email and personal homepage on progress
Step 1
Open & Verify Your Account

Upon successful verification, you can start investing in notes.

Step 2
Select notes & invest

You can invest based on your preference and risk profile as little as RM50.

Step 3
Enjoy returns

Grow your wealth as issuers make repayments

Bad Rate %:


Bad Rate %:


Flat or Nominal interest rate is defined as a stated interest rate. This interest works according to the simple interest and does not take into account the compounding periods. Effective interest rate is the one which caters to the compounding periods during a payment plan. It is used to compare the annual interest between funding with different compounding periods like week, month, year etc.


Flat or Nominal interest rate is defined as a stated interest rate. This interest works according to the simple interest and does not take into account the compounding periods. Effective interest rate is the one which caters to the compounding periods during a payment plan. It is used to compare the annual interest between funding with different compounding periods like week, month, year etc.


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. Bad is defined by CTOS as such: 1. Missed payments with outstanding more than RM200 for 90 days or more. 2. Written Off. 3. CCRIS Legal Status (Bankruptcy, Summons, Auctions, etc) The Bad Rate by CTOS is derived from an analytical study on 1 million SME entities from BNM (BNM SME Definition: Under RM50 Million Turn over) using CCRIS and CTOS data. 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. Bad is defined by CTOS as such: 1. Missed payments with outstanding more than RM200 for 90 days or more. 2. Written Off. 3. CCRIS Legal Status (Bankruptcy, Summons, Auctions, etc) The Bad Rate by CTOS is derived from an analytical study on 1 million SME entities from BNM (BNM SME Definition: Under RM50 Million Turn over) using CCRIS and CTOS data.


Understanding Flat and Effective Interest Rate:


Understanding Flat and Effective Interest Rate:


Flat or Nominal interest rate is defined as a stated interest rate. This interest works according to the simple interest and does not take into account the compounding periods. Effective interest rate is the one which caters to the compounding periods during a payment plan. It is used to compare the annual interest between funding with different compounding periods like week, month, year etc.


Flat or Nominal interest rate is defined as a stated interest rate. This interest works according to the simple interest and does not take into account the compounding periods. Effective interest rate is the one which caters to the compounding periods during a payment plan. It is used to compare the annual interest between funding with different compounding periods like week, month, year etc.


In general stated or nominal interest rate is less than the effective one. And the latter depicts the true picture of financial payments. Therefore, it is important to look at the effective interest rate when deciding to accept an offer to get funds or when investing. To make matters less confusing for issuers, it may be simpler to look at the monthly repayment amount based on the rates offered to decide if the business cash flow is sufficient to repay the funding. In general stated or nominal interest rate is less than the effective one. And the latter depicts the true picture of financial payments. Therefore, it is important to look at the effective interest rate when deciding to accept an offer to get funds or when investing. To make matters less confusing for issuers, it may be simpler to look at the monthly repayment amount based on the rates offered to decide if the business cash flow is sufficient to repay the funding.


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Trustee

Maybank Trustees Berhad (5004-P)

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