Bond is one of the elements in Investment Portfolio to lower the risk exposure while enjoying steady regular income payout known as coupon².

Traditionally, Bond is sold and traded among Institutional Investors because of its substantial investment amount.

At Bank of China (Malaysia) Berhad, you can diversify your wealth into our cherry-picked Retail Bonds¹ with affordable investment amount to enjoy steady regular income² in local or foreign currency of your choice!

A Bond is a Debt Security, it is like a Memorandum of Understanding (M.O.U) between the Investor and the Bond Issuer. Investor buy bond is lending the money to the Bond Issuer. In return, the Issuer will pay the Bond Coupon² like an Interest within the Bond tenor and will pay back the Face Value⁵ upon maturity.

• CAPITAL PRESERVATION：May get back full value⁵ of the capital invested upon maturity.
• CONSISTENT INCOME FLOW: Enjoy potentially higher yield of interest income² throughout the tenor of bonds.
• DIVERSIFICATION: Diversify your risks and potentially increase the stability of your investment portfolio.
• FOREIGN CURRENCY EXPOSURE: Riding on exchange rate movement in Foreign Currency Bonds⁶. Potentially earn more with higher exchange rate.
• AFFORDABLE: Start your Investment as low as RM50,000.
• FLEXIBILITY: Tradable in Secondary Market⁷ prior to maturity.

Retail Bonds Investment is restricted to sophisticated Investors as defined by Securities Commission. Please log on to www.sc.com.my for details.  

Our dedicated Relationship Manager is ready to provide you professional advice to construct your very own investment portfolio with the Bank. You must first:

• Understand your investment objective & goals
• Decide your investment time horizon
• Understand your own investment risk appetite and preference
• Select the right Bonds by reviewing the Credit Rating, Yield to Maturity, Minimum Investment Amount, Currency, Years to Maturity & etc

Bank of China (Malaysia) Berhad nationwide branches, please click here >> or eWealth Banking

Retail Bonds is issued by third party Bond Issuer, and distributed by Bank of China (Malaysia) Berhad 200001008645 (511251-V).

Notes:

1. Refer to Bonds that passed Due Diligence assessment and distribute by the Bank.
2. Availability of coupon payment based on structure of bonds
3. Bonds investment is restricted to Qualified / Sophisticated investors as defined by Securities Commission. Please log on to: www.sc.com.my for details.
4. It is mandatory to complete Investor Suitability Assessment and understand the content of the Product Highlight Sheet, Term and Condition, Prospectus before making any investment decision. (where applicable)
5. Subject to Issuer’s Credit / Default Risk.
6. Foreign currency bonds investment is expose to Currency risk. Exchange rate fluctuations may have an adverse impact on the investment return.
7. Bond trading in secondary market is expose to Liquidity risk. There may be no active buyer or lower Bond price that you may suffer a loss and may not get back your full principal invested

Disclaimer: Investors are advised to read and understand the content of the prospectus before investing. Among others, investors should consider the fees and charges involved. The price of the Bonds and coupon payable, if any, may go down as well as up. Past performance figures shown are not indicative of future performance. You should carefully consider whether any views or investment products are appropriate in view of your investment experience, objectives, financial resources and relevant circumstances. The relevant product offering documents should be read for further details. The investment decision is yours but you should not invest in the products unless the Bank’s sales staff has explained to you that the product is suitable for you having regards to your financial situation, investment experience and investment objectives. Retail Bond Investment is NOT a deposit product. The bonds are designed to be held to maturity and there may be no active secondary market quotations for the bonds. Bonds are NOT for short term speculation. The Bond is subject to both the actual and perceived measures of credit worthiness of the issuer. There is no assurance of protection against a default by the issuer in respect of the repayment obligations. In the worst case scenario, you might not be able to recover the principal and any coupon if the issuer defaults the Bond. The Investor is reminded that Retail Bond Investment is not protected by PIDM.

• RETAIL BONDS-BROCHURE.pdf
• TERMS AND CONDITIONS FOR RETAIL BONDS INVESTMENT SERVICES

eSTATEMENT IS NOW AVAILABLE FOR INVESTMENT PORTFOLIO ACCOUNT!

Please click here for more information.