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FAQs - Invest


  1. Malaysia
  2. About Us
  3. FAQs
  4. FAQ for Invest

Frequently asked questions & answers for investors on Fundaztic platform.
How do I register as an investor?
我如何注册为投资者?

We have created a step-by-step guide on how you can register as an investor on Fundaztic.com. 

Click here: Individual Registration Guide (pdf)

Business Registration Guide

我们已经为您如何在Fundaztic.com上注册为个人投资者创建了一个指南。

Click here: Individual Registration Guide (pdf)

Business Registration Guide


How do I invest in the Fundaztic platform?
如何使用Fundaztic平台来投资?

We have created an investment tutorial video just for you!

我们为您创建了一个投资教程视频!


Why is it that I cannot see any link or icon to "verify" my account?
为什么我看不到任何链接或图标来 “验证” 我的帐户?

You can click "verify" in your "personal details" or "business details" only after we have performed a transaction to the account number provided. Therefore, you will not be able to "verify" your account immediately.  Please allow at least 1 working day for the "verify" link to appear.

只有在我们对所提供的帐号进行了交易后,才能在 “个人资料”中点击 “验证”。 因此,您将无法立即“验证”您的帐户。 请允许至少1天工作日让“验证”链接出现。


Can you explain Bad Rate %?
什么是风险机率 [Bad Rate %]?

Bad Rate %:

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. For example, a 5% Bad Rate predicts that the Note will have a 5% chance of defaulting.

违约风险机率,简称 Bad Rate %, 是 Fundaztic.com 在评估过程中,做为参考的步骤之一。我们采用的报告来自于Credit Bureau Malaysia。Bad Rate % 是专门为马来西亚中小型企业创建的统计模型。违约的定义是基于巴塞尔II 协助的指引,并定义为: • 逾期超过90天的任何财务信贷额度; 或 • 没能力支付逾期全额于金融机构 有好几种方式可以用来确定,是否一个信贷可以完全支付的可能性。总结, Bad Rate %, 可以用来衡量某个中小型企业在未来12个月内,是否会违约的可能性。因此,12%的违约率意味着在未来的12个月内有12%的违约可能性。换句话说,Bad Rate %越低,风险越低,信用等级也越高。但是,这并不代表利率一定会更低,因为除了Bad Rate %之外,还有其他重要因素会影响到借款者所需付的利率。


What will be the frequency for my return on investments?
我的投资还款频率是多少?

You will receive your return of investments through fixed monthly repayments. For example, if your investment has a tenure of 12 months, you will receive a monthly pro-rated (Principal + Interest) repayment in to your Fundaztic Account over the 12 months period.

You can then choose to withdraw or re-invest into other Investment Notes after you receive your monthly repayments.

您将每个月收到固定的投资还款(包括盈利)。 例如,如果您的投资有12个月的摊还期,您将在12个月内收到您的Fundaztic账户每月还款额(本金+利息)。 您可以在收到每月还款后选择提取或重新投资其他投资票据。


Who can become an Investor?
谁可以成为投资者?

Everyone (Individual and Institutional) can apply to become an “investor” by submitting required information via Fundaztic’s P2P financing website. To begin the application process, sign up and login to the website, then, click on the "Invest" link. Once your application has been approved you will be a qualified investor and you will be able to make investments.

每个人(个人和机构)都可以通过Fundaztic的P2P融资网站提交所需的资料申请成为“投资者”。 要开始申请流程,请注册并登录网站,然后点击“投资”链接。 一旦你的申请获得批准,你将成为合格的投资者并能够开始投资。


What is an “investment note”?
什么是“投资标的”?

“Investment note” refers to the promissory notes sealed between the “issuer” and “investor” to manage the risks involved in funding the “issuer”. It is a short term debt security with a maturity of between 3 months to 5 years. This legal document obligates the “issuer” to repay the funding that it has obtained via the investments of multiple “investors” based on specific terms and conditions of repayments failing which, depending on severity, Fundaztic.com may seek to pursue recovery actions permissible by law on behalf of the “investors” to recover funds issued.

“投资标的”是指融资者于投资者用于管理投资风险的欠票。通常是3个月至长达5年的短期贷款。融资者将需要遵守获得融资的条款,并按 照条款摊还 还款于多位投资者。任何违约的情况,Fundaztic 平台将以事件的严重性为投资者采取法律行动,以讨回未摊还的款项。


Do I need to pay any taxes on my returns of investments?
我需要支付投资盈利税吗?

YES. You will be required to declare your returns of investments for tax computation.  Please check with your tax consultants on how to do so.

是的。 您将被要求申报您的税收计算投资盈利。 请咨询您的税务顾问如何做到这一点,谢谢。


Are there any risks in investing?
投资有没有风险?

In general, the biggest risk that an investor would need to bear with is repayment/default risk whereby the issuer may not be able to repay a fund in full. This could be due to a variety of reasons.

Therefore, it is advisable for all investors to make a careful selection of their investment notes by thoroughly going through the profile of the issuer especially the Bad Rate %, purpose of funding, tenure of business as well as tenure of funding. Most importantly, it is advisable for all investors to select issuers with different risk grades to invest in to diversify the risks.  To diversify means to spread your investment across as many notes as possible in terms of number as well as type of issuers.  It is not advisable at all for any investor to “put all their eggs into one basket” by focusing on similar types of issuers because this increases non-repayment risks since the issuers may face similar issues.  Although higher risk notes offer higher returns of investments, it is never advisable to put all your investments into these types of notes because of the risk factors. 

Diversification of investment can be done not just by putting in fresh funds but also by using the returns of investments to make new investments.  Since Fundaztic’s minimum investment amount is only RM50 per note, it is easy to use returns of investments to re-invest and thereby managing the risk of overall risks.  Re-investing using your returns of investment allows you to stretch your initial capital further to maximize on returns.

**Investment made through our platform is not covered by the Capital Market Compensation Fund**

一般而言,投资者需要忍受的最大风险是发行人可能无法全额偿还基金的还款/违约风险。这可能是由于各种原因。 因此,所有投资者都应仔细斟酌发行人的情况,特别是违约概率(Bad Rate %),资金来源,业务的持有时间以及资金的使用期限等,并仔细选择投资标的。最重要的是,所有投资者都应该选择风险等级不同的发行人进行风险分散投资。分散投资意味着通过发行人的数量和类型,将尽可能多的标的进行分散投资。对于任何投资者来说,通过关注类似类型的发行人来“把所有的鸡蛋放在一个篮子里”是不可取的,因为这会增加不偿还的风险,因为发行人可能面临类似的问题。虽然风险较高的标的可以提供较高的投资回报,但由于风险因素,绝对不建议将所有投资都用于这类标的。 投资的多元化不仅可以通过投入新的资金,而且可以利用投资赢利来进行新的投资。由于Fundaztic的最低投资金额仅为每张标的50令吉,所以使用投资赢利来重新投资很容易,从而管理整体风险。利用您的投资赢利再进行投资,您可以进一步延伸初始资本,从而把赢利最大化。 **通过我们的平台进行的投资是不在 Capital Market Compensation Fund 的保障范围内**


Are there any risks of the platform using investment funds for non-intended purposes?
该平台是否有使用投资资金用于非预定目的的风险?

For peer-to-peer financing in Malaysia, as it is regulated by the Securities Commission (SC) and grounded by a full set of guidelines of which amongst others require the platform to establish and maintain one or more trust accounts in a licensed institution for the monies received as repayments to investors.  The platform is not allowed to withdraw from or deal with investors’ monies in the trust account(s) except for the purpose of making a payment to the person entitled thereto (issuer, investor or the operator) or that is otherwise as directed by the SC or by any other enforcement agencies as provided under written law. With this, therefore, the risk of the platform operator misappropriating investment and repayment funds is well mitigated. 

对于马来西亚的P2P融资,由证券委员会(SC)监管,并以一整套指引为基础,其中包括要求平台在持牌机构建立和维持一个或多个信托账户并把收到的款项作为还款给投资者。 该平台不可在信托账户中退出或处理投资者的资金,除了向有资格的人(发行人,投资者或经营者)支付款项或以其他方式 SC或由成文法规定的其他执法机构。 因此,平台运营商挪用投资和还款资金的风险得到有效缓解。


Am I protected if the platform fails?
如果平台失效了,我是否受到保护?

YES you are. Investors should be comforted that peer-to-peer financing platforms regulated by the SC are required to have a “living will” from the time the platform is launched to the public. 

This concept of “living will” ensures that the integrity of all notes issued is continued in the event of platform failure. Fundaztic has appointed Rodgers Reidy as its back up service provider to execute this concept of “living will”. 

Read more about Rodgers Reidy here

您会受到保护。 投资者应该感到安心,由标准委监管的P2P融资平台,必须具有从平台推出到公众的“生存意愿 (living will)”。 这种“活着的意志”的概念可以确保在发生平台故障的情况下所发行的所有票据的完整性。 Fundaztic已经委任Rodgers Reidy为其后援服务提供商,以执行“活着的意志”的概念。 点击这里可了解更多关于Rodgers Reidy


Why should I invest?
我为什么要投资?

1) To diversify your investment portfolio with an investment product (Investment Notes) currently not widely available via traditional investment channels;
2) To generate an additional source of income via a fixed income investment;
3) To help Malaysian SMEs to grow their business and build a stronger economy;

Investors should implement a diversification strategy when building an investment portfolio.

*Diversification involves spreading your money across multiple investments in order to have investments that will sustain in adverse market conditions and mitigate losses. However, it will not lessen/eliminate all types of risk.

1) 为了把投资组合多样化,这是因为通过传统的投资管道,投资产品(投资标的)目前尚未广泛使用;
2) 为了通过固定收益投资赚取额外的收入来源;
3) 为了帮助马来西亚中小企业发展业务,建立更强大的经济;

投资者在建立投资组合时应实施多元化战略。

*多元化涉及将您的资金分散到多个投资标的中,以便在不利的市场条件下持续投资并减少损失。 但是,这不会减轻/消除所有类型的风险。


Do I earn any interest from my monies placed in the Trust account?
我是否可以从我在信托账户中存入的资金中赚取任何利息?

NO. The Trustee does not pay interest on monies placed in the Trust account with them. The monies in the Trust account is meant to protect your interest as an investor so that the platform is unable to utilize the funds for any other purpose than what is clearly stated in the Trust Deed. 

不可。 受托人不向其信托账户中的资金支付利息。 信托账户中的资金是为了保护您作为投资者的利益,使平台无法将资金用于信托契约中明确规定的目的外。


Are the financials that I see in some of the business plans of the issuers verified?
我在发行人的一些业务计划中看到的财务状况是否被核实?

Fundaztic does not verify the financials provided as it is not a mandatory document required by the platform.

Fundaztic不会核实所提供的财务数据,因为它不是平台所要求的强制性文件。


Who are the Issuers?
谁是发行人?

An “issuer” is a local SMEs or business which is seeking to raise funds online through our Fundaztic.com P2P financing platform. All Issuers would have complied with Fundaztic.com’s P2P financing credit criteria and have accepted the terms and conditions of the funding offer before their applications are listed. Detailed information with regards the “issuer” is available for “investors” to vet through and make an informed decision before deciding on their investment and investment amount towards the particular listing.

“发行人”是指通过我们的Fundaztic.com P2P融资平台在线筹集资金的当地中小企业或企业。 所有发行人都将遵守Fundaztic.com的P2P融资信贷标准,并在申请上市之前接受融资条款和条件。 有关“发行人”的详细信息可供“投资者”审核并作出明智的决定,然后再决定其投资和投资金额。


Why doesn't Fundaztic require issuers to submit financials (such as bank statements, cash flow, or audited accounts)?
为什么Fundaztic要求发行人提交财务信息(如银行对账单,现金流或经审计的账目)?

Fundaztic's credit evaluation does not take these documents into account because our experience has shown that, statistically financial & bank statements are generally poor indicators of credit quality. Furthermore, our target segments are the smaller SMEs whereby the reliability, accuracy and timeliness of such financial records may also be questionable.

Fundaztic的信用评估并没有考虑到这些文件,因为我们的经验表明,统计金融和银行报表通常是信用质量较差的指标。 此外,我们的目标分部是规模较小的中小型企业,因此这些财务记录的可靠性,准确性和及时性也可能是有问题的。


How much can I invest?
我可以投资多少钱?

Individual – You can start investing with a minimum of RM50. All individual “investors” are encouraged to invest not more than RM50,000. If the “investor” decides to invest more than the mentioned amount, a confirmation on understanding the inherent risks involved will be required.

个人 - 您可以开始以最低RM50投资。我们鼓励所有个人“投资者”投资不超过5万令吉。 如果“投资者”决定投资超过上述金额,则需要确认理解所涉及的固有风险。


What are the intended benefits of P2P Financing for Investors?
P2P融资对投资者有什么好处?

P2P Financing is an alternative investment vehicle and aims to provide a more transparent and diversified approach to investment opportunities. Each “investor” has access to investment opportunities with as little as RM50 towards the debt financing by SMEs in the country via the issuance of “investment notes”. With a low entry barrier, “investors” can also spread their investments across various investment notes therefore diversifying their portfolio. Finally, “investors” can easily track their investment performance online, anytime, anywhere.

P2P融资是一种替代投资工具,旨在为投资机会提供更透明和多元化的方法。 每个“投资者”都可以通过发行“投资标的”获得投资机会,只需RM50,即可获得该国中小企业的债务融资。 由于进入壁垒较低,“投资者”也可以在各种投资标的上分散投资,从而使其投资组合多样化。 最后,“投资者”可以随时随地轻松查看他们的在线投资表现。


What do I get in exchange for my investment?
如果我投资,我可以得到什么?

As you are investing in one or multiple Issuer notes, you should expect to receive in return the amount you invested (principal) plus an interest amount (interest return). Principal + interest return is repaid per a pre-agreed repayment schedule in to your online account. However, repayments are not guaranteed by Fundaztic.com. As means to improve its service offerings to Investors, guarantee and/or insurance mechanisms may be introduced as part of Investors protection.

由于您正在投资一个或多个发行人标的,您应该期望收到您投资的金额(本金)加上利息金额(利息收益)。 本金+利息收入按照预先约定的还款时间表偿还给您的在线账户。 但是,Fundaztic.com不保证还款。 作为改善投资者服务的手段,担保和/或保险机制可作为投资者保护的一部分引入。


Does my Investment go into Fundaztic’s account?
我的投资是否进入Fundaztic账户?

As part of Investors’ protection, all monies invested will be managed by an independent 3rd party Trustee. All investments made are channeled into the Trustee account and Fundaztic does not have rights of usage of these funds except for the intended purpose.

作为投资者保护的一部分,所有投入的资金将由独立的第三方受托人管理。 所有的投资都被输入到受托人帐户,Fundaztic没有这些资金的使用权,除了预定的目的。


I noticed that when I am the last investor of a Note, I earn sometimes more or sometimes less in terms of the overall net receivables (Principal + Interest – Platform Fees). Why is this so?
我注意到当我是一个标的的最后一位投资者时,我从总体净应收账款(本金+利息 - 平台费用)中获得的收入有时会更多,有时甚至更少。 这是为什么?

The reason behind this is due to the rounding adjustment to the nearest cent value. The rounding adjustments are done for the returns on the principal portion, interest portion and the platform fees portion. The amount may be rounded up or rounded down based on traditional mathematical rounding methodology for every investments made.

As P2P Financing involves multiple investors funding a singular Note, the last investor of each Note will receive the balance of the rounding effect thus he/she may either receive slightly more or slightly less in term of total receivables.

呈交了申请后,才发现输入错误,我应该怎么做? 申请呈交后不得修改。因此,您可以发送电子邮件至 [email protected], 要求进行修改。


Can I re-invest into new Issuers notes using my online account balance?
我可以使用我的在线帐户余额重新投资新的发行人标的吗?

Yes, you will be given an option to either use your credit balance in your online account or make new payments when investing in new Investment notes. If you would like to use your credit balance in your online account to invest but the investment amount exceeds your credit balance, you would just need to pay the remaining balance.

可以,您可以选择在您的在线帐户中使用您的贷项余额,或在投资新的投资标的时进行新的付款。 如果您想在您的网上账户中使用您的贷方余额进行投资,但投资金额超过您的贷方余额,您只需支付余额。


Does the Issuer receive my Investment right away?
发行人是否立即收到我的投资?

No, Issuers applications for funding will be listed on the platform for 10 days and issuers will be able to receive funds within the 10-day period only upon reaching 100% of the approved funding limit. To be considered successful, issuers are required to raise a minimum of 80% of the total requested funds within a 10-day period. Funds will only be disbursed to the issuer once it reaches the required 80% threshold. If issuers receive less than 80% within the 10-day period, the campaign is considered unsuccessful. Funds will then be refunded to the investors trust account.

不是,发行人申请融资将在平台上上市15天,发行人只能在达到批准融资额度的100%的情况下,才能在15天(15天,2018年11月6日开始生效)内获得资金。 被视为成功的,发行人必须在上市后的15天内提高至少80%的总申请资金。 一旦达到要求的80%的门槛,资金将只发放给发行人。 如果发行人在10天内收到少于80%,则认为该活动不成功。 资金将被退还给投资者信托账户。


Can I withdraw my investment?
我可以撤回我的投资吗?

After you have selected the notes to invest in, your investment will be locked-in for the duration of the funding period. At the end of the funding period, if funds raised is less than 80%, then, the funding is deemed unsuccessful and the amount you invested will be refunded automatically back to your trust account. You may choose to withdraw the amount once the credit has been performed. Repayments of successful funding are also channeled into your trust account and you may also choose to make withdrawals on these repayments. Withdrawals will attract standard online transactional charges.

在选择投资标的后,您的投资将在资助期限(自上市之日起10天内被锁定。 在资助期结束时,如果募集资金少于80%,则资金被视为不成功,您投入的资金将自动退还至您的信托账户。 一旦信用额度被执行,您可以选择提取金额。 还款成功的资金也被引导到你的信托账户,你也可以选择撤回。 取款将吸引标准的网上交易费用。


Can I cancel my investment?
我可以取消我的投资吗?

No, once you have placed an investment into our P2P platform, you will not be able to modify/cancel/request for refund of the investment made unless the funding is deemed unsuccessful. Therefore, it is advisable for you to check carefully on all investments made before confirming payment.

不可以,一旦您投资到我们的P2P平台,您将不能修改/取消/要求退还投资,除非资金被视为不成功。 因此,您最好在确认付款前仔细核对所有投资。


Is there any fee when I withdraw my money?
我提款时是否有任何费用?

Withdrawals will attract standard online transactional charges.

取款将收标准的网上交易费用。


What is "Smart Invest"?
什么是“智能投资”

With this feature, investors have an option to allow our platform to perform auto-investments on behalf of them based on each investor’s investment criteria and conditions. The auto-investments will be deducted from investor’s available balance and the platform will not auto-invest if there is insufficient balance in the account.
Here are the step-by-step guides on how to activate and set your investment conditions.

First, you must first have a minimum of RM2,000 in your AVAILABLE BALANCE to set-up Smart-Invest.
1. Click “Smart Invest” on your homepage.
2. Next, click “Add Setting”.
3. Insert the amount that you wish to invest in the Notes.Next, choose your desired range for the Note’s Tenure, followed by the range of the Interest Rates you would like to receive and finally the Risk Grades.
4. Select “Active” and click “Submit”.

​You can now view your Smart Investment conditions saved in your “Smart Invest” tab.
Terms & Conditions:
- You may setup up to a maximum of 5 active Smart Investments at any point of time.
- The platform will NOT auto-invest into any Notes that the Smart Invest system have already invested in or manually done so.
- When setting up the Smart Invest setting, please make sure your set the highest priority conditions that you want first followed by the 2nd and so on. This is because the system will take your first Smart Invest setting as your main priority and invest based on that condition first. if it doesn't meet the first condition, only then it will invest based on the 2nd condition, etc. As the Smart Invest feature have invested based on your first condition, it will not invest in the same Note again even-though that same Note also meets your 2nd, 3rd, etc. conditions. 

NOTE: You will not be able to edit/delete or make any amendments to your Smart Invest settings if your available balance is below RM2,000. However the Smart Invest system will still auto-invest on your behalf even if your available balance is below RM2,000 as long as it meets your settings criteria.

通过“智能投资”,投资者可以根据自己的投资取向和条件进行设定,该设定会自动化地投资符合条件的标的。所有自动化投入的款项会从投资者账户余额扣除。若余额不足,平台将不会进行“智能投资”。
这指南是关于“如何启动与设置你的自动化投资条件”:
1) 首先,你必须拥有至少RM2,000的账户余额,以开启“智能投资”。
2)在你的个人主页,选择“智能投资”。
3)选择“添加设置”。
4)输入你想投资的数额。然后设置你想要投资的标的期限(Tenure),年利率(Interest Rates),标的的风险评级(Risk Grade)。
5)选择“活跃”,然后“提交”。

现在你可以在“智能投资”的栏目显示你刚设置的投资条件。
“智能投资”用户条款
你只能同时设置多达5个活跃“智能投资”。
一旦“智能投资”开启并激活,平台不会投资任何“智能投资”已投过的标的。平台也不会投资已经获得最高融资金额的标的。
当开启“智能投资”时,请确保你想要的最优先设置排列在第一的位置,根据优先次序往下排列。因为平台系统将根据优先次序配对你的投资设置,如果第一个设置没有任何匹配的标的,平台才会进行第二个设置的配对标的,与此类推。如果有标的同时满足2个或以上的设置,平台只会投资一次,不会进行重叠投资。
注意:如果你的账户余额少过RM2,000,你将无法编辑,关闭,或删除“智能投资”的设置。可是,只要账户还有余额(少过RM2,000),“智能投资”还是会继续配对符合条件的标的并进行投资。


Why can’t I Invest in the Notes when Smart Invest is active?
为什么“智能投资”进行中,我不能进行个别投资?

When Smart Invest kicks in, manual invest will be impacted, i.e. forced to stop. Manual invest will not be permissible until the spooling has completed. The reason being the system prioritizes committed investments over non-committed investments. This is so that the issuer will be able to achieve funding goals in the fastest possible manner.

当“智能投资”进行时,个别投资将无法进行运作,直到“智能投资”的后台运作完成。因为平台系统优先“智能投资”的投资金额,以便更快地协助企业的融资需求。


How is the queueing system under Smart Invest (SI) managed (effective 28/4/19)?
Smart Invest (SI) 的新排队系统是如何管理的呢(于2019年4月28号生效)?

It is a dynamic first-come-first served system. Dynamic in the sense that once an investment has been successfully been made under SI, the position of the member in the overall queue will change and the member will be re-queued for subsequent investments to be made. This is a fairer system for new members because regardless of when the SI was set up, each would stand a chance to be in front of the SI queue unlike the previous whereby position maintains as long as the settings have never been changed before.

这是一个动态的先到先得的系统。 动态的意义是,一旦在SI下成功完成投资,成员在整个队列中的位置将发生变化,成员将被重新排队等待后续投资。 对于新成员来说,这是一个更公平的系统,因为无论何时设置SI,每个人都有机会在SI队列前面,而不像之前的那样,只要之前从未改变过设置,就保持位置。


Why do I need to put in RM2000 to setup Smart Invest (SI)? Other platforms never impose this.
为什么我需要投入RM2000来设置Smart Invest (SI) 呢? 其他平台从未强加过这种情况。

Other platforms with SI or automated investment requires an upfront deposit before an investor can start investing. Fundaztic does not hence the need to put in the RM2000 to setup SI. Also, we do not want members to “game” the system and keep making changes to the parameters (from what we know, other platforms only allow 1 setting whereas we allow up to 5) and hence, why, RM2000 is also required to make any changes / edit settings already made. SI does not need RM2000 balance to run. It can and will run as long as there is sufficient balance to execute the settings / instructions made. Minimum investing under SI is RM50 per Note and maximum is RM5000 per Note.

其他具有SI或自动投资的平台需要在投资者开始投资之前预先存入。但Fundaztic不需要,因此需要RM2000来设置SI。 此外,我们不希望成员利用系统并经常对参数进行更改(据我们所知,其他平台只允许1个设置,当我们允许5个),因此,为什么RM2000也需要制作已经进行的任何更改或编辑设置。 SI不需要RM2000来运行。 只要有足够的余额来执行设置或指令,它就可以运行。 SI下的最低投资额为每标的RM50,最高为每标的意RM5000。


Do I need to maintain an available balance of RM2000 in my Smart Invest all the time?
我是否需要在Smart Invest中维持RM2000的可用余额吗?

NO. It is not necessary to do so. RM2000 is only required to setup and to make edits or changes. Let’s say your Smart Invest (SI) is activated and your setting says invest RM100 in all Notes. If you available balance is RM100, it will be able to help invest in just 1 Note for you. Even if available balance drop to 0 and it has to skip investing in a few Notes, when you receive enough monthly repayments and the available balance reaches RM100 again, then, the next available Note, SI, will invest for you also as long as the setting is activated.

不用。 没有必要这样做。 RM2000仅需要设置和进行编辑或更改。 假设您的 Smart Invest(SI)已激活,您的设置表示在所有Notes中投资RM100。 然后,您的可用余额只有RM100,它将能够帮助您投资1个标的。 即使可用余额降至RM0并且必须跳过投资一些标的,当您收到足够的每月还款且可用余额再次达到RM100时,那么下一个可用的标的SI将为您投资,只要设置已激活。


What are the minimum and maximum amounts allowed to be invested in each Note using the Smart Invest (SI) feature?
使用Smart Invest(SI)功能允许在每个标的中投入的最小和最大金额是多少?

The minimum is RM50 and maximum RM5000.

最小RM50,最大RM5000。


How do I know if Notes that I invested are LATE in repayments or have already DEFAULTED?
我如何知道我所投资的标的只是逾期摊还,还是已经成为“呆账”?

In your Fundaztic account’s homepage under “My Investments”, go to “Notes Funded” and you can filter accordingly to the following categories.
• Prompt Repayment
• Grace Period
• Late
• Default
• Fully Paid
However, if you do not have a Note which is in either of these categories then the category will not appear in the filter.

"我的主页",点下 "我的投资" 然后再点下 "成功筹集的标的",之后你可以通过筛选过滤相关标的状态类别,如以下类别。
• Prompt Repayment
• Grace Period
• Late
• Default
• Fully Paid
如果你没有标的属于任何状态类别,那相关的状态类别也不会出现在过滤列表里。


Where do I find the recovery updates for my defaulted or late notes?
我可以在哪里得到我所投资的标的进了呆账或延迟还款的更新?

The recovery updates are sent on a monthly basis. Unless there are new Notes that has defaulted, then we will immediately email you the latest update on the new defaulted Notes.

With regards to Late Notes, we do not provide any update as during this time, the only actions done are through internal collections i.e. Phone Calls/Emails/SMS/ etc. However, as of when we found out that the Late note has already ceased business operation, we will inform you via email immediately. We will also escalate and proceed with legal and 3rd party action earlier.

If not, we will only proceed to 3rd party recovery actions upon the Note turning default.

恢复更新按月发送。 在有新的标的呆账后,我们会立即通过电子邮件向您发送有关新呆账标的的最新更新。 关于延迟还款的标的,我们的平台提供任何的更新,因为在此期间,所做的唯一操作是通过内部收款,例如电话/电子邮件/短信等等。但是,当我们发现吃还款的标的已经停止业务运营时,我们会立即通过电子邮件通知您。 我们还会提前升级并继续进行法律和第三方诉讼。 如果没有的话,我们将仅在注意转为呆账值时继续执行第三方恢复操作。


When is a Note considered LATE?
什么时候一个标的被定为“逾期”?

A Note is classified as LATE after 7 days from the payment due date.
Currently, all issuers will be given a 7-day grace period from due date to make their monthly repayments. Once the issuer has exceeded the 7-day grace period, only then the Note will be classified as LATE. The grace period may be changed by Fundaztic depending on suitability.
Once a payment is classified as LATE, a late penalty fee will be charged to the issuer. All our fees and charges for issuers can be viewed here.

目前,所有融资者都会被赋予7天的宽限期(从摊还限期日期开始算起)。一旦融资者在7天的宽限期还没做出摊还,将被列为“逾期”/“迟还”。Fundaztic保留制定宽限期天数的权利。
一旦该还款被定为“逾期”/“迟还”,融资者将需要缴付“逾期罚款”。所有融资者需要付的费用与款项可在此查阅。


When is a Note classified as DEFAULT?
什么时候一个标的被定为“呆账”?

A Note will be classified as DEFAULT after being LATE for 3 consecutive months (91 days past due). E.g. Note A’s payment due date is on 1st January. If the Issuer of Note A has still not make any payments by the 1st of April, the Note will then be classified as DEFAULT.

如果一个标的连续3个月逾期摊还,该标的将被定为“呆账”。例如,标的A的摊还期限为1月1日。如果标的A的融资者在2月8日(包括7天宽限期后)还没做出摊还,该标的则被定为“呆账”。


Why is the write-off / bad debts management policy implemented?
为什么注销或坏账的管理政策被实施?

This policy allows for the defaults that are at the advance stage of legal proceedings and are unlikely to be recovered in full to be written-off or classified as bad debts so that the amount can be considered losses incurred. As such, in accounting and statutory declarations (for taxes as an example) the amount that is written-off or classified as bad debts can be deducted from the earnings made for the period of accounting or declaration. It allows for the proper closing of books rather than leave it opened or rather “hanging” indefinitely.

此政策允许处于法律诉讼提前阶段及不太可能全额收回的违约被注销或归为坏账,以使该金额可被视为损失。因此,在会计和法定声明中(比如税收),核销或归为坏账的金额可以从会计或申报收入期间中扣除,实行结账。


Under what circumstances would a defaulted Note be classified as bad or written-off?
违约的呆账在什么情况下会被归为坏账或被注销?

Classification is time based i.e. after 180 days of being in the default, it would be classified as bad and will be reflected in the members homepage under MY INVESTMENTS, “WRITE-OFFS/RESTRUCTURED”

呆账被归为坏账或被注销是基于时间的。即在违约180天后,呆账将被归为坏账,并且反映在成员主页上于 “我的投资”,“注销或重组”。


Does it mean that once it is classified as bad or written-off, no more actions will be taken?
被归为坏账或被注销的违约是否会再采取任何行动?

NO. Legal actions where viable and permissible will go on. Negotiations for repayments where the issuers are still contactable and willing to cooperate will also still go on. The policy is put in place not the put an end to actions that are being taken or can still be taken but rather to allow for better management of accounting.

会。我们将在适当情况下继续采取法律行动。还款谈判也仍然继续与可以被联系及愿意合作的发行人进行。制定政策并不会终止我们的复苏收款行动,而是为了促进更好地会计管理。


Can there still be recoveries after a Note is written-off / classified as bad?
呆账归为坏账或被注销后,还能复苏收款吗?

YES. There are such possibilities because despite being written-off / classified as bad, the platform would still continue on recovery procedures and there may also be instance of “selling-off” the bad portfolio to interested third parties as part of the overall recovery strategy.

能。尽管被注销或归为坏账,平台仍将继续复苏收款程序,此外平台可能还会执行将坏的投资组合“抛售”给第三方的兴趣者,作为整体恢复策略的一部分。因此,呆账归为坏账或被注销后,还会有恢复付款的可能性。


How will I know if recoveries or repayments are subsequently received on a written-off Note?
我如何知道被注销的呆账是否有复苏收款?

It will be reflected in your homepage, under MY INVESTMENTS, “Paid Recovery”

它将反映在您的主页上于“我的投资”,“付费复苏”。


How do I know if any of the Notes that I have invested in has been written-off / classified as bad?
我怎么知道我投资的任何呆账是否被注销或归为坏账?

You will be able to see it in a separate line at the bottom of your homepage (desktop version) and under MY INVESTMENTS, “Write-off/Restructured” tab (both desktop version and mobile apps)

它将会被反映于您主页的底部(桌面版)和 我的投资 ,“注销或重组”标签(桌面版和移动应用版)中看到它。


How do I calculate my actual earnings for a particular year with this policy in place?
根据此政策,我能如何计算特定年份的实际收入?

You may filter interest earned for the period and then filter the written-off amount for the same period and finally filter the paid recovery for the same period. You may export all three. Then, take the interest earned minus written-off amount and add-in the paid recovery amount for actual interest earned in the year.

您可以过滤期间赚取的利息、核销金额、及付费复苏的金额,然后将这三个项目输出。接着,将年内赚取的利息扣除核销金额,并加上年度实际利息的付费复苏量。


Do I need to pay any legal fees for recoveries?
我是否需要支付任何法律费用来复苏?

If a default happens, Fundaztic will bear the “first costs of recovery”. This mean that if recovery is not successful, the cost is absorbed by Fundaztic. However, if successful in any recovery, then, the costs of recovery will firstly be deducted from the recovered amount. If there are any balance, then, it will be used to offset the repayment fees due and the remaining will be distributed back to the investors based on the proportion of their investment.
All our fees and charges for investors can be viewed here.

一旦“呆账”发生,Fundaztic会承担“债务追偿失败的成本”。可是,如果债务追偿成功,所追讨到的资金会先用来补贴债务追偿的任何法律费用。然后扣除平台的摊还费用。最后,剩下的余额款项,将会根据各自个投资比例归还给任何参与的投资者。 所有投资者需要付的费用与款项可在此查阅。


Can Fundaztic proceed to bankrupt issuers like the banks?
Fundaztic可以像银行一样,向法庭提告融资者,申请破产吗?

Yes, Fundaztic has the full authority on behalf of our investors to pursue recovery actions from defaulted Issuers through suitable actions permissible by the laws including suit towards bankruptcy.

可以。Fundaztic拥有法律权利,以帮助我们的投资者通过法律程序向“呆账”公司(融资者)进行诉讼,直至破产阶段。


If an issuer doesn't repay as should, does Fundaztic report to any authorities?
如果融资者不按期做出摊还,Fundaztic会向任何信誉机构做出汇报吗?

Yes, Fundaztic reports all our issuer’s repayment status to all THREE credit bureaus in Malaysia. I.e. Credit Bureau Malaysia, CTOS and RAMCI.

会。Fundaztic将会向马来西亚3个主要的信誉机构做出汇报,当中包括,Credit Bureau Malaysia, CTOS and RAMCI。


Can the Issuer repay my funds early and will there be any penalty?
借贷企业可以提早偿还资金吗? 提早偿还资金需要付任何违约金吗?

Yes. Early settlements by issuers are allowed with no penalties.

Early Repayment

Should the Issuer wish to repay a Funding early and end the Funding Contract, they may do so, but they must repay the entire Funding Amount. The Issuer can do so by giving Peoplender fifteen (15) Business Days prior written notice in respect thereof and repaying the full Funding Amount that the Issuer owes to the Investors under the Funding Contracts in respect of the Funding. Peoplender Sdn Bhd shall grant the issuer a rebate on interest upon such early repayment based on the formula below: -

penalty.png

Where: -

X = Remaining funding tenure (months)

Y = Funding tenure (months)

Total Interest = Funding Amount x Interest rate x tenure (months)/12

可以。 借贷企业提早偿还资金不需要付任何违约金。

提前还款

如果企业希望尽早偿还资金并终止资金合同,提前还款是被允许的。但企业心须偿 还整个资金金額。企业可以通过提前十五(15)个工作日向Peoplender Sdn Bhd( Fundaztic 平台运营公司〕发出书面通知,并根据资金合同摊还所有拖欠投资者的全 部资金金額。根据以下公式,Peoplender Sdn Bhd会根据提前还款向企业发出利息回扣:-

penalty.png

X = 剩余的摊还期(月)

Y = 借贷摊还期(月)

总利息 = 资金金额 x 利率 x 摊还期(月)/ 12


What is "Debit Adjustment" that I see in my transaction details?
“交易详情”的页面里显示“收款调整(Debit Adjustment)是什么?”

The system performs adjustments in the rare events where there are clashes in transactions done by different parties at the exact same moment resulting in one of the transactions not being recorded momentarily. The system will in batches comb through all transactions and if such is discovered, "debit adjustment" will be made.

平台系统在罕有的情况下,会发生由多个用户在「同一时间」进行交易,导致其中一个用户的交易没被记录。如果这种罕见的情况发生,平台将会做出调整,也因此,”收款调整(Debit Adjustment)“会显示在”交易详情“里。


Do my monies in the Investor’s Trust account earn me any interest?
我在投资者信托帐户中的钱能为我赚到我任何利息吗?

Effective 20/6/19, the Investor’s Trust account will be interest bearing at 2% per annum subject to end of the day daily balance being a minimum of RM3million. However, this is treated as “indirect fee” paid by investors with any balance in the account should the requirements for earning interest on the particular day be met. Any interest earned from this account will not be distributed back to the investors due to the amount being extremely small and the complexity of management in the distribution. Therefore, all investors who do not wish to contribute to the “indirect fee” can have an option to just withdraw any available balance any time they wish to.

从19/6/19起,投资者的信托帐户将按每年2%的利率计息,但一天结束时的每日余额不得少于300万令吉。 但是,这被视为由投资者支付的“间接费用”。 从该帐户中获得的任何利息都不会分配给投资者,这是因为该数额非常小并且分配过程中的管理非常复杂。 因此,所有不想承担此“间接费用”的投资者都可以选择随时撤回你的账户里的任何可用余额。


What is this “indirect fee”? When am I charged for it?
这是什么“间接费用”? 我什么时候支付?

“Indirect fee” is the term used for the interest earned on daily balances of a minimum of RM3million in the Investor’s Trust account. It is named such because indirectly, any investors, by having any available balance in the Trust account, which cumulatively with other investors’ monies, lead to the end of the day balance being RM3million would have paid some monies to the platform as any interest earned in the account will not be distributed. Investors need not do anything nor are they charged at any point in time for this fee. The fee is resultant from their available balances in the Trust account subject to conditions of such interest payment being met. If the condition of minimum daily balance is not met, then, interest is not earned and therefore, there is no “indirect fee” involved.

“间接费用”是指投资者信托帐户中每日余额至少300万令吉所赚取的利息。 之所以这样称呼,是因为间接地,任何时间点,信托帐户一天结束时余额为300万令吉,这笔钱将支付给平台利息,也因此信托帐户中赚取的任何利息都不会分配,故称“间接费用”。 投资者无需采取任何措施,也无需在任何时间支付此费用。 该费用是由其在信托帐户中的可用余额所产生的,取决于满足此类利息支付的条件。 如果信托帐户一天结束时,不满足每日最低余额的条件,则无法赚取利息,因此不涉及“间接费用”。


I don’t want to end up paying any “indirect fee” at all. What can I do?
我不想支付任何“间接费用”。 我能做什么?

All investors have an option to opt-out of have to be party to the “indirect fee” through the withdrawal function. Investors can click the withdraw button at any time they wish so that there is no available balance in their account and therefore, would not be party to the pool on balance in the Trust account which yields the interest or the “indirect fee”. However, this may complicate the ability to perform Smart invest as well as re-investments.

所有投资者都可以选择退出,必须通过提款功能加入“间接费用”。 投资者可以随时按其提款按钮,这样他们的帐户余额就没有了,因此不会成为产生利息或“间接费用”的信托帐户中余额池的当事方。 但是,这可能会使执行智能投资(Smart Invest)功能执行和再投资的能力复杂化。


What is the interest earned on the Investor’s Trust account? Is this interest distributed back to the investors?
投资者信托帐户赚取的利息是多少? 利息会分配给投资者吗?

Effective 20/6/19, the Investor’s Trust account will be interest bearing at 2% per annum subject to end of the day daily balance being a minimum of RM3million. However, this is treated as “indirect fees” paid by investors with any balance in the account should the requirements for earning interest on the particular day be met. Any interest earned from this account will not be distributed back to the investors due to the amount being extremely small and the complexity of management in the distribution. Therefore, all investors who do not wish to contribute to the “indirect fees” can have an option to just withdraw any available balance anytime they wish.

从19/6/19起,信托帐户将按每年2%的利率计息,但一天结束时的每日余额不得少于300万令吉。 如果有任何的利息收入,这被视为由投资者支付的“间接费用”。 从该帐户赚取的任何利息都不会返还给投资者。由于该数额非常小以及资金管理的复杂性。 因此,所有不想为“间接费用”捐款的投资者都可以选择随时撤回任何可用余额。


If I have invested in the Notes prior to the revised Platform Management Fee, will the monthly repayment of these notes be applicable to the new fees and charges?
如果我在平台管理费修订之前投资了这些票据,这些票据的每月还款是否适会收到影响?

No, only Notes that you have invested in effective from 1st February 2020 will be applicable to the new platform fees. Any Notes that you have invested prior to 1st February 2020 will still remain at the rate of 1% of monthly repayments.

不会,只有从2020年2月1日起生效的投资笔记适用于新平台费用。 您在2020年2月1日之前投资的所有票据仍将保持每月还款率的1%。


What is the CTOS SME Score?
什么是CTOS SME Score?

The CTOS SME Score is a unique credit risk assessment tool that provides Fundaztic extending trade credit information with an effective rank ordering system of credit risk for small and medium-sized enterprises (SME).

This scoring model gives Fundaztic the power to make consistent, objective risk decisions as they assess the credit worthiness of the businesses and owners to which they extend credit, including loans, leases and trade credit.

For more information please click on the following link:
https://ctoscredit.com.my/business/evaluate-new-customer/ctos-sme-score/

CTOS SME评分是一种独特的信用风险评估工具,可为Fundaztic提供信有效的中小企业信息以做出信用及风险评估。

这评分模型使Fundaztic能够做出客观的风险决策,透过CTOS,平台能够评估企业和所有者的信用值,并审批该信贷申请。

有关更多信息,请单击以下链接:
https://ctoscredit.com.my/business/evaluate-new-customer/ctos-sme-score/


What are the benefits for Fundaztic using CTOS SME score for its credit evaluation?
Fundaztic使用CTOS SME分数进行信用评估有什么好处?

1) The CTOS SME score has a higher GINI Coefficient score compared to other credit models in the market. The GINI Coefficient evaluates the prediction power of the model, which means that the CTOS SME Scorecard has a higher level of predictive accuracy in sieving out between Good and Bad customers.

2) The CTOS SME Score Model is comparatively updated within the market and the model conducts regular calibration in order to stay relevant to the industry. CTOS will also take steps to adapt to any internal and external changes accordingly to ensure consistent and optimal model-based decisions are being made.

3) CTOS SME Score Model uses a Dual Score Methodology which is designed specifically to cater for both Company (Sdn Bhd) and Business (Partnership/Sole Prop) Entities. Companies and Businesses behave differently, hence their respective score model have different key characteristics.

1) 与市场上其他信用模型相比,CTOS SME score的GINI系数更高。 GINI系数评估了模型的预测能力,这意味着CTOS SME scorecard在筛选好客户和坏客户之间具有更高的预测准确性。

2) CTOS SME评分模型在市场中进行了相对更新,并且该模型会定期进行校准以与行业保持联系。 CTOS还将采取措施以适应内部和外部的任何变化,以确保做出一致且最佳的基于模型的决策。

3) CTOS SME评分模型使用了双重评分方法,该方法专门设计用于满足公司(Sdn Bhd)和业务(合伙/独家代理)实体的需求。 公司和企业的行为方式有所不同,因此它们各自的评分模型具有不同的关键特征。


What is a Dual Score Methodology?
什么是CTOS Dual Score Methodology?

Dual Score Methodology caters for both Company (Sdn Bhd) and Business (Partnership/Sole Prop) Entities. Companies and Businesses behave differently, hence their respective score model have different key characteristics. Below are the differences in key characteristics for both Company and Business:-

Dual Score Methodology 评分方法适用于公司(Sdn Bhd)和业务(合伙/独资)实体。 公司和企业的行为方式有所不同,因此它们各自的评分模型具有不同的关键特征。 以下是公司和业务的主要特征的差异:-


Company

Company

Business

Business

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