{"id":52383,"date":"2024-05-02T15:00:13","date_gmt":"2024-05-02T07:00:13","guid":{"rendered":"http:\/\/wordpress-my-161844363.ap-southeast-1.elb.amazonaws.com\/articles\/?p=52383"},"modified":"2024-05-03T18:48:24","modified_gmt":"2024-05-03T10:48:24","slug":"funding-societies-investment-review","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/funding-societies-investment-review","title":{"rendered":"An Unbiased Review : Funding Societies SME Debt Investment"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">If you\u2019re looking for a new investment opportunity, perhaps you\u2019ve heard of Funding Societies <\/span><a href=\"https:\/\/fundingsocieties.com.my\/invest\"><span style=\"font-weight: 400;\">SME Debt Investment<\/span><\/a><span style=\"font-weight: 400;\">. This is an investment offered under peer-to-peer (P2P) financing. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Investing in a P2P investment product like SME Debt Investment means you are putting your money into a pool of individual lenders. The P2P fund manager will then allow businesses to borrow from that pool. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">In case you are wondering, this form of financing that connects entrepreneurs and small businesses is <a href=\"https:\/\/www.sc.com.my\/development\/digital\/digital-initiatives#id-fintech\" target=\"_blank\" rel=\"noopener dofollow\">licensed and regulated<\/a> by the Securities Commission of Malaysia (SC).<\/span><\/p>\n<p>Among the P2P investment products in the market, SME Debt Investment is a popular choice when it comes to business term financing.<\/p>\n<p><span style=\"font-weight: 400;\">So in this article, we\u2019re going to discuss all about this investment product, so you can make an informed decision if P2P investing is right for you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s get to it.<\/span><\/p>\n<p><iframe loading=\"lazy\" title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/eQJlT8P-9s8?si=5K_S-k0TUVmE6JdT\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What-is-Funding-Societies-SME-Debt-Investment\"><\/span><b>What is Funding Societies SME Debt Investment?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">But before we get into the details of this investment opportunity, the first question we need to answer is what exactly is SME Debt Investment?<\/span><\/p>\n<p>According to <a href=\"https:\/\/intercom.help\/funding-societies-malaysia\/en\/articles\/1012154-understanding-funding-societies\" target=\"_blank\" rel=\"noopener dofollow\">Funding Societies FAQs<\/a>, SME Debt Investment is an alternative investment opportunity for investors. It can also potentially offer returns comparable to most traditional instruments.<\/p>\n<p>This means your investment goes towards helping SMEs secure financing for growth while at the same time offers you, the investor, the opportunity to get investment returns.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Key-features-of-SME-Debt-Investment\"><\/span><b>Key features of SME Debt Investment<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n<table id=\"tablepress-1775\" class=\"tablepress tablepress-id-1775\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Return of investment<\/th><th class=\"column-2\">Up to 14% p.a<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Investment period<\/td><td class=\"column-2\">1-24 months<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">Minimum investment amount<\/td><td class=\"column-2\">RM100<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-1775 from cache -->\n<p>According to <a style=\"font-size: 16px;\" href=\"https:\/\/fundingsocieties.com.my\/invest\" target=\"_blank\" rel=\"noopener dofollow\"><span style=\"font-weight: 400;\">SME Debt Investment\u2019s<\/span><\/a><span style=\"font-weight: 400;\"> page, the return of investment that you can get from this investment\u00a0 is up to 14% p.a., which makes it a very attractive investment option for people who are looking for an investment opportunity with the potential of higher returns.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Potential-returns\"><\/span><b>Potential returns<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>In general, returns on investment with P2P lending can range from <a href=\"https:\/\/www.imoney.my\/articles\/p2p-lending-guide\" target=\"_blank\" rel=\"noopener\">10% to 18%<\/a> based on the data from registered providers in Malaysia.<\/p>\n<p><span style=\"font-weight: 400;\">A potential return of investment up to 14% comes in on the higher side of the range.\u00a0 Of course, a potential for double-digit investment returns is especially high if you compare it to other more traditional forms of investment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Although this does come with the caveat that your returns are dependent on the SMEs in question staying in business. If they fail to repay their debt to Funding Societies, then you stand the chance of losing money on the investment.<\/span><\/p>\n<p>Note: P2P investments are high-risk as businesses who apply to lend money on P2P platforms are likely to be startups and may not be well-established with lower credit rating. This leads to a higher risk of the borrower \u00a0defaulting on their loan.<\/p>\n<div class=\"block\"><div>Currently <a href=\"https:\/\/www.imoney.my\/online-investment?src=menu_dropdown\" target=\"_blank\" rel=\"noopener\">SME Debt Investmen<\/a>t is offering guaranteed investments with returns from 4% p.a.<\/div><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Investment-period\"><\/span><b>Investment period<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Any investor worth their salt will say that typically, investing is a long term game. As the popular saying goes, \u2018it\u2019s a marathon, not a sprint\u2019.<\/span><\/p>\n<p>However, when it comes to P2P financing, the shorter investment term is a key feature. They typically offer short lock-in periods to allow for higher frequency and greater liquidity. You\u2019ll generally start receiving monthly repayments a month or two after your initial investment, which is great if you like consistent returns on a monthly basis.<\/p>\n<p><span style=\"font-weight: 400;\">SME Debt Investment currently offers an investment period of up to 24 months. A<\/span><span style=\"font-weight: 400;\">lthough this model with the short investing period might not be attractive to long term investors, it will be suitable for those with a shorter investment horizon and can stomach the higher risk involved.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Low-barrier-to-entry\"><\/span><b>Low barrier to entry<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Another reason why the SME Debt Investment is a good option for investors who are looking for alternative investment opportunities is the fact that SME Debt Investment is a very accessible option for first time investors, as the minimum investment amount is just RM100.<\/span><\/p>\n<p>On the other end of the scale, the SC recommends individual investors to limit their investment exposure in a P2P platform to RM50,000 at any one time to manage their <a href=\"https:\/\/www.sc.com.my\/regulation\/regulatory-faqs\/frequently-asked-questions-on-the-peer-to-peer-financing-p2p-framework\" target=\"_blank\" rel=\"noopener dofollow\">risk exposure<\/a>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Other-features\"><\/span><b>Other features<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><b>Auto investment bot &#8211; <\/b><span style=\"font-weight: 400;\">If you prefer to have your investment automated, Funding Societies has you covered with their Auto invest bot, which will help you automatically make your investment for you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">All you have to do is set your investment preferences, and the bot will do the hard work for you. The bot also comes with a technology called Max Issuer exposure, meaning that the bot will help diversify your investment as you can limit the amount of exposure you give to one single issuer.<\/span><\/p>\n<p><b>Quality of life features &#8211; <\/b><span style=\"font-weight: 400;\">SME Debt Investment also comes with a myriad of features to make the investment process seamless for the investors, such as the ability to e-sign your contract and a mobile app where you can make and monitor your investment.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What-we-like\"><\/span><strong>What we like<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>High potential returns &#8211; <\/b><span style=\"font-weight: 400;\">With SME Debt investment, you can potentially enjoy a return of 14% p.a.<\/span><\/p>\n<p><b>Auto invest bot &#8211; <\/b><span style=\"font-weight: 400;\">Easy investing process as you can set your preferences on this bot and it will do all the investing for you.<\/span><\/p>\n<p><b>Low barrier to entry &#8211; <\/b><span style=\"font-weight: 400;\">With a minimum investment amount of RM100, SME Debt Investment is a perfect alternative investment for those who are looking to get into the P2P investment area without having to come up with a big sum of money to get started.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Things-to-consider\"><\/span><b>Things to consider<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>Short investment period &#8211; <\/b><span style=\"font-weight: 400;\">An investment period of only 1-24 months can have a place in your investment portfolio but it should not form the main bulk of your investments. If you are looking for\u00a0 long term investments,\u00a0 this investment opportunity might not be for you.<\/span><\/p>\n<p><b>Limited portfolio choices &#8211; <\/b><span style=\"font-weight: 400;\">As discussed earlier, SME Debt Investment only allows you to invest in SMEs that are applying for funding from Funding Societies, which means that your options are fairly limited.<\/span><\/p>\n<p><b>High risk investments<\/b><span style=\"font-weight: 400;\"> &#8211;\u00a0 P2P financing connects mainly entrepreneurs and small or less established businesses with a pool of individual lenders, which can lead to higher risk. As mentioned above, your returns on SME Debt Investment comes from the interest paid by these lenders as they make monthly payments on their funding. This also means that if the SME you choose to invest in defaults on their payments, you won\u2019t be making any returns as well. So some prudent research might be needed before you choose to invest in any SMEs.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><b>Conclusion<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">With a high potential of returns and a seamless investor experience, the SME Debt Investment can be a good place to get started in P2P investment. If you are looking for a form of alternative investments, P2P might help you gain a new source of passive income.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, new investors will need to be aware of the higher risks that come with P2P investments. As mentioned, lenders are businesses which may not be well-established and may already have a lower credit rating or unable to qualify for regular bank financing. You also need to be prepared to manage the shorter investing period and limited choices of portfolio.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you want to try out SME Debt Investment, you can apply right <\/span><a href=\"https:\/\/fundingsocieties.com.my\/sign-up-investor\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p>Read more: <strong><a href=\"https:\/\/www.imoney.my\/articles\/p2p-lending-guide\" target=\"_blank\" rel=\"noopener\">What You Need To Know About P2P Lending In Malaysia<\/a><\/strong><\/p>\n<h6><em>This article has been updated on May 2, 2024.<\/em><\/h6>\n","protected":false},"excerpt":{"rendered":"<p>A new investment opportunity can be daunting to jump into with no prior knowledge, which is why we\u2019re going to have a look at Funding Societies\u2019 investment option for you.<\/p>\n","protected":false},"author":51,"featured_media":52397,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1,218],"tags":[924,660,336,2255],"class_list":["post-52383","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment","category-money-management","tag-funding-societies","tag-investment","tag-p2p-lending","tag-sme-debt-investment"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Funding Societies SME Debt Investment Review<\/title>\n<meta name=\"description\" content=\"Looking to invest in P2P lending? 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