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FAQs - Secondary Market


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Frequently asked questions & answers for Secondary Market
What is the Secondary Market?
什么是Secondary Market?

The Secondary Market is where investors buy and sell notes they already own.

Secondary Market是投资者可以自由买卖自己已经拥有的标的的地方。


Who can participate in the Secondary Market?
谁可以参与 Secondary Market?

Anyone can participate! However, to sell your Note(s) on the Secondary Market, you must have invested in a minimum of 10 notes. Subsequently, the remaining principal of the Notes selected for “re-selling” or “transfer of rights” must be at least RM5,000. Investors can select either a singular Note (e.g. RM5k) or multiple Notes (e.g. 50 notes of RM100 each) to be bundled as a portfolio for “re- selling” or “transfer of rights”. The reason why such a balance is set is to ensure that the transaction is a meaningful one for both the existing investor and new investor of the Note(s) hosted in the Secondary Market based on the premise that the Secondary Market is to provide early exits for “emergency” funds and for new investors to be able to build a resilient portfolio in a quicker manner which has a direct bearing on risk mitigations as well.

任何人都可以参加 Secondary Market!首先,你需要至少投资了10个标的,并且想“转售的标的的其余本金(Principal Amount)必须至少为至少5,000令吉。 投资者可以选择单张标的(例如RM5k)或多张标的(例如50张标的,每张RM100)捆绑作组合,以“转售”给其他投资者。 设置这样的最低本金数额(minimal principal amount),是要确保本平台对该二级市场托管的交易是有意义的。 对于需要现金“应急”的新投资者来说,二级市场能够以更快的方式让他们建立有弹性的投资组合。


Does the Secondary Market allow partial ‘cash-out’ i.e. selling a Note partially?
二级市场是否允许部分“兑现”(partial cash-out),即部分出售票据?

Partial ‘cash-out’ is not allowed because the contract on 1 investment is signed with 1 investor and therefore the transfer would also be in full to another 1 investor to make it cleaner and for easier tracking. This is to prohibit the intention of splitting an original investment which is done by a singular individual / entity to multiple individuals / entities thus impacting the integrity of the legal documents entered into of which is drafted in such a way that it is from party A to party B or party B to party C only.

台不允许部分“套现”(partial cash-out),因为一笔投资的合同是与原本的同一个投资者签订的,因此当该标的转售后,也将全部转移给另一位投资者。 这是为了确保所签订法律文件的完整性:该法律文件的起草方式是从甲方到乙方,或乙方到丙方。


What notes are eligible to be sold on the Secondary Market?
哪些标的有资格在二级市场上出售?

Only notes that have the status of ‘Prompt Repayment’ are allowed to be sold on the Secondary Market. A note may be sold at least 10 days before the next repayment due date provided the previous due payment was made. Subsequently, notes cannot be sold within 10 days of next repayment due date.

只有还款状态为“即时还款”(Prompt Repayment)的标的才允许在二级市场上出售。 如果进行了前一次到期付款,则可以在下一个还款到期日至少10天之前出售一张标的。 随后,购得标的的投资者不能在下一个还款期限的10天内再进行转售。


Will the Smart Invest feature be available for Secondary Market?
Smart Invest功能可用于二级市场吗?

The Smart Invest feature is currently not available for Secondary Market. It will not pick up Notes hosted on the Secondary Market for investing.

Smart Invest功能目前不适用于二级市场。 它绝对不会吸纳任何托管在二级市场上的标的以进行投资。


Can I sell my notes/portfolio at a discount or at a premium?
所以我可以打折,或溢价出售我的标的/投资组合?

You are allowed to set a discount or premium from 0.5% to 5% (selected with incremental of 0.5%).

是的,你可以可以通过折扣或溢价设置为0.5%到5%(以0.5%的增量选择)在二级市场转售你的标的。


Will the interest rate of the Note change if it is purchased from the Secondary Market?
如果从 Secondary Market 上购买标的的利率会改变吗?

The interest rate of the Note will not change if it is purchased from the Secondary Market.

如果从Secondary Market上购买标的的利率不变。


Can I resell the notes I have purchased from the Secondary Market?
我可以转售我在Secondary Market所获取的标的吗?

Yes you can. However, there is a minimum “holding” period i.e. minimum time between the “buying” and “selling” period of 3 months. This is put in place to ensure that investors are still exercising the risk controls in practicing building a portfolio and observing the performance of the portfolio before trading. Because the earnings from a Note or portfolio is already pre-determined upfront, a “holding” period is required to at least allow the investors to experience the performance of the portfolio before trading, be it from the “buying” or “selling” angle.

可以,但是会有个持有期最短时间为3个月。这样做是为了确保投资者仍在行使风险控制,以练习建立投资组合并在交易前观察投资组合的表现。由于标的或投资组合的收益已经预先确定,因此需要一个持有期,以便至少允许投资者在交易之前体验投资组合的绩效,无论是从购买还是出售的角度来看 。


Are there any limits to how many notes/portfolio I can sell?
我可以卖出的标的或投资组合总数额是否有任何限制?

There are no limits to how much you can transfer but the transfer needs to be a full sum (principal balance) transfer and to a singular party.

卖出的标的或投资组合总数额没有限制,但必须是全额本金(full principal amount)转售。


Are there any limits to how long my notes/portfolio can be hosted on the Secondary Market?
我的标的投资组合可以在二级市场托管多长时间?

Yes, the trading period, or hosting period, for each transfer, notes / portfolio, is limited to 10 days. After 10 days, if no one has purchased your notes / portfolio, the ownership of the notes / portfolio is retained by you for a minimum of 30 days before you are allowed to sell the notes / portfolio again.

每次转让标的或投资组合的交易期或托管期限制为10天。 10天后,如果没有人购买您的标的或投资组合,则你将保留该标的或投资组合的所有权至少30天,然后才允许你再次出售标的或投资组合。


Are there any fees associated with the Secondary Market?
在Secondary Market上买卖标的或投资组合是否有任何费用吗?

Yes. Our full fees and charges for investors can be found by clicking HERE

有,你可以点击这里找到我们对投资者的全部收费。


Are note(s) bought in the Secondary Market covered by the Principal Protect scheme?
在Secondary Market上购买的标的是否受Principal Protect保障?

No, they will not be covered by Principal Protect as the original investor has already taken the first risk involved.

二级市场所购买的标的并不受Principal Protect保障,原因是原始投资者了已经承担第一涉及的风险。


Can I buy note(s) that I may not necessarily qualify for on the Secondary Market? For example, I am not a ‘Go for 100’ member, will I be able to buy a Biz-Lazada note (only available to ‘Go for 100’ members) on the Secondary Market?
如果我不是‘Go for 100’的会员,我可以在二级市场购买 Biz-Lazada 的 note 吗?

Yes, you can. You can also buy the note if it is a part of a portfolio on the Secondary Market.

是的你可以购买在二级市场的任何标的。 只要它是二级市场上投资组合的一部分,你都可以购买。


Why do I not see any functions/tabs to allow for selling / cannot sell my notes on the Secondary Market on my account homepage?
为什么在我的帐户主页上看不到任何允许在二级市场上出售的功能/选项?

This is because none of your notes meet the qualifications to be sold on the Secondary Market. When your notes do meet the qualifications, a ‘Sec Mkt SELL’ tab will appear on the left-hand side of your account’s homepage.

这是因为你的标的不符合在二级市场上出售的资格。 如果你的标的符合条件,“ Sec Mkt SELL”标签将显示在帐户首页的左侧。


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