How Inflation Impacts Life in Malaysia
How to better prepare yourself against inflation in Malaysia.
What is
Negotiable Instrument of Deposits (NID) and Floating Rate Negotiable Instrument of Deposits (FRNID) are 100% principal protected
investments that can be linked to various investment themes.
What are
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Principal Protected IF HELD TO MATURITY
You wil receive 100% of your principal amount as long as you hold your investment to maturity.
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Exposure to various assets and tenors
You will get to choose the types of investment assets that you want exposure to, with varying tenors.
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Lower cost of investment
We do not charge upfront for investment management fees.
Underlying Investment Assets of NID /
Interest Rate Linked
A type of investment to the
movement of interest rates
such as 3-Month Kuala
Lumpur Interbank Offered Rate
(KLIBOR).
Unit Trust Fund Linked
A type of investment tied to
a specific financial market or
sector, such as the stock
market, the bond market, or
a particular industry.
Equity/Index Linked
A type of financial product tied
to the performance of a
specific stock, group of stocks,
market index or Exchange
Traded Fund.
Currency-Linked
A type of investment tied to the
movement of a particular
currency pair.
Ready to invest?
Register your interest and our dedicated team will be in touch.
Visit our nearest HLB branch and talk to our representative.
Frequently Asked Questions
The minimum amount may differ depending on the tranche of FRNID you are investing in. Kindly refer to the respective Term Sheet for the minimum investment amount.
We do not offer shariah compliant FRNID at the current point in time.
For a full list of risks of investing in FRNID, it is recommended to consult a licensed financial or professional advisor and refer to the documents in relation to the FRNID as different tranches may carry different risks to reflect the underlying asset.
There are no fees applicable to FRNID.
Early Withdrawal Costs may be incurred if you withdraw before the maturity date. In such cases, you may not receive your full initial investment amount as the costs may be higher than your returns
Warning:
This product is principal guaranteed by the issuing bank upon maturity only. If the product is redeemed or sold prior to maturity, the customer may lose part of the initial deposit amount. The returns on this product are uncertain and the customer risks earning no returns at all. The customer is reminded that this product is not protected by Perbadanan Insurans Deposit Malaysia (PIDM).
Money withdrawn from your insured deposit(s) is no longer protected by PIDM if transferred to a non-deposit account, eg. Unit Trust, Bond, Dual Currency Investment (DCI), Floating Rate Negotiable Instrument of Deposit (FRNID), Structured Investment, ASNB, Investment Account-i etc.
This advertisement has not been reviewed by the Securities Commission Malaysia (SC).
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Active Traded Idea via NID/FRNID
Discover more about actively traded ideas via NID/FRNID and understand how to ride on this investment to gain exposure to
various underlying assets while protecting your downside risk.
Interest Rate Linked Investment via NID/FRNID
Equity/ETF/Index Linked Investment via NID/FRNID
Ready to invest?
Register your interest and our dedicated team will be in touch.
Visit our nearest HLB branch and talk to our representative.
Frequently Asked Questions
The minimum amount may differ depending on the tranche of FRNID you are investing in. Kindly refer to the respective Term Sheet for the minimum investment amount.
We do not offer shariah compliant FRNID at the current point in time.
For a full list of risks of investing in FRNID, it is recommended to consult a licensed financial or professional advisor and refer to the documents in relation to the FRNID as different tranches may carry different risks to reflect the underlying asset.
There are no fees applicable to FRNID.
Early Withdrawal Costs may be incurred if you withdraw before the maturity date. In such cases, you may not receive your full initial investment amount as the costs may be higher than your returns
Warning:
This product is principal guaranteed by the issuing bank upon maturity only. If the product is redeemed or sold prior to maturity, the customer may lose part of the initial deposit amount. The returns on this product are uncertain and the customer risks earning no returns at all. The customer is reminded that this product is not protected by Perbadanan Insurans Deposit Malaysia (PIDM).
Money withdrawn from your insured deposit(s) is no longer protected by PIDM if transferred to a non-deposit account, eg. Unit Trust, Bond, Dual Currency Investment (DCI), Floating Rate Negotiable Instrument of Deposit (FRNID), Structured Investment, ASNB, Investment Account-i etc.
This advertisement has not been reviewed by the Securities Commission Malaysia (SC).