Question 1

Is P2P financing better than a fixed deposit in Malaysia?

Accepted Answer

They serve different goals. A fixed deposit protects your capital and pays a fixed return of roughly 2% to 3% per annum that is insured by PIDM. P2P financing on Alixco has historically paid higher returns, about 12% per annum net from 2018 to 2023, but your capital is at risk, returns are not guaranteed, and P2P notes are not bank deposits and are not protected by PIDM. Many investors hold both, a deposit for safety and P2P for a higher yielding and higher risk portion.

Question 2

What is the difference between P2P financing and equity crowdfunding (ECF)?

Accepted Answer

In P2P financing you lend money to an SME and are repaid the principal plus interest over a fixed tenure. In equity crowdfunding you buy shares in a company and become a part owner. There is no fixed repayment, and your return depends on the company growing and a future exit such as a sale or buyback. ECF has higher potential upside but also higher risk and is highly illiquid. Both are regulated by the Securities Commission Malaysia.

Question 3

Is P2P investing on Alixco safe?

Accepted Answer

Alixco is registered with the Securities Commission Malaysia as a Recognised Market Operator, investor funds for P2P campaigns are held by a licensed trustee until disbursement, and every issuer passes credit due diligence. Even so, P2P notes and ECF shares are not bank deposits, capital is at risk, and past performance does not guarantee future returns. Diversifying across many campaigns is the main way investors manage this risk.

Question 4

How do Alixco returns compare with ASB?

Accepted Answer

Amanah Saham Bumiputera (ASB) is a unit trust open to Bumiputera investors that distributed 5.75 sen per unit for financial year 2025, about 5.75%, with capital that has historically been preserved though not guaranteed. Alixco P2P is open to all investors and has historically paid a higher return, about 12% per annum net from 2018 to 2023, in exchange for taking on credit risk on the underlying SMEs. ASB is not insured by PIDM either. The trade off is return potential versus the level of risk you accept.

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