Five ways to get better at managing your money

When it comes to managing your money, there are many quick and easy ways to start on the path to getting control of your finances. Here are five of the best:

 Use a financial calendar

A big part of money management is getting better at planning your finances. So, if you find it difficult to stay on top of your rent payment obligations or your bank account is running low, consider setting appointment reminders for these important money matters in the same way you would for other key dates like a car service, or a doctor’s appointment. That way, you don’t have to rely entirely on your memory.

 Create a budget

Living within your means is super important if you want to take control of your financial future. This is where having a budget comes in because it can provide a useful personal insight into how you allocate your funds. Start by dividing your budget up into income and expenses so that you can see how you’re placed when it comes to money that’s flowing into your accounts as well as your expenses, or outgoings. From there, you can create goals, adjust your habits if necessary, and check in regularly to make sure you stay on track.

The
My Finance
 feature in the Raiz App can assist with this.

 Get smart on ‘Hari Gaji’

It also makes sense to look at your routine on payday, especially if you tend to blow a lot of cash as soon as it lands in your bank account. Examine your spending habits around payday by listing all your purchases and see where you can change it up to save money. For instance, if you tend to shop on new clothes or expensive food when you get paid, consider scheduling a less expensive activity or
dining option instead. By being a bit smarter with your money, you can still have fun and you’ll no longer be living paycheck to paycheck.

It is also wise to save on the day you get paid. One way to do this is by setting up a recurring deposit inside the Raiz App to sweep money from your bank account into your Raiz account before you spend your paycheck on unnecessary items elsewhere.

 Consider micro-investing

Another way to make small amounts of money go a long way is by using a micro-investing app like Raiz. Our smartphone app enables you to grow your money by investing spare change automatically from everyday purchases
.

By “rounding up”
your
everyday
purchases
, we can help you make your spare change go further, with the aim being that you invest small amounts of money on a regular basis so that over time, your small investments add up to a lot. You can also set up recurring deposits and savings goals which will automatically invest a set amount
daily, weekly, fortnightly
 or monthly
.

 Get out of debt

It’s hard to get on top of your finances when you’re surrounded by debt. Interest rates on things like credit cards, personal loans and car loans are often high and servicing them can be a roadblock on your path to better money management.

Here, consider starting by paying off small debts first to get confidence to tackle the bigger ones. You could setup a goal inside the Raiz App to assist in meeting your target to pay off a debt. We know it can be hard, but even taking small steps can add up over time.

It’s also a good idea to look at your spending habits to see if there are items you can eliminate as well as changing the behaviours that got you into debt in the first place.

Don’t have the Raiz App?

Download it for free in the App store:

Important Information

The information on this website is general advice only. This means it does not consider any person’s investment objectives, financial situation or investment needs. If you are an investor, you should consult your licensed adviser before acting on any information contained in this article to fully understand the benefits and risk associated with the Raiz product.

The information on this website is confidential. It must not be reproduced, distributed or disclosed to any other person. The information is based on assumptions or market conditions which change without notice. This will impact the accuracy of the information.

Under no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.

The past return performance of the Raiz product should not be relied on for deciding to invest in Raiz and is not a good predictor of future performance.

The advertisement has not been reviewed by the SC.


Foreign funds returned to Bursa Malaysia – and TWO more things you need to know this week. (weekly ended 18/04/2023)

Klik sini untuk Bahasa Melayu

Sharing some Investing and Economic insights:

THREE things you need to know this week;

Foreign funds returned to Bursa Malaysia
for the third consecutive week of inflows as at last week – MIDF Research.

The top three sectors that saw net foreign inflows last week were Technology, Financial Services and Plantation while the top three sectors that saw net foreign outflows were Utilities, Healthcare and REITs.

Local retailers however continued their trend of net selling for the third consecutive week.

Total vehicle sales for March 2023 in Malaysia hit a new monthly all-time high
 of 78,849 units, surpassing the previous record of 76,657 units in December 2022 – MAA.

Malaysian banks are likely to remain stable
despite the potential negative spill overs from banking stresses in the US and Europe – due to its robust liquidity and capital buffers. Malaysian banks are also well capitalised – Fitch.

Raiz is about helping you save & invest more – being
able to save 5% of your salary is better
 than earning 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).

Do you know?

Elon Musk (the Twitter and Tesla boss) cofounded OpenAI – but left the company in 2018.

OpenAI supercharged the interest in AI when it launched ChatGPT. Microsoft has since cumulatively invested USD13 billion in OpenAI since 2019.

Don’t have the Raiz App?

Download it for free in the App store:

Important Information

The information on this website is general advice only. This means it does not consider any person’s investment objectives, financial situation or investment needs. If you are an investor, you should consult your licensed adviser before acting on any information contained in this article to fully understand the benefits and risk associated with the Raiz product.

The information on this website is confidential. It must not be reproduced, distributed or disclosed to any other person. The information is based on assumptions or market conditions which change without notice. This will impact the accuracy of the information.

Under no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.


FOUR things you need to know this week – to start this year (weekly ended 10/01/2023).

Klik sini untuk Bahasa Melayu

Sharing some Investing and Economic insights:

FOUR things you need to know this week;

It was a nervous start to the
new year
 on Wall Street, but this was overcome after stocks rallied last week following the release of positive US December job market data. However, they gave up gains to close lower yesterday.

The US Fed has renewed commitment to a rate hike cycle until inflation cools down to their target. Prices rose less than expected in November, the latest sign that the inflation which has been gripping the economy is beginning to loosen up. US Consumer Price Index (CPI) was 7.1% in November and is expected to cool down further to 6.5% in December.

Eurozone inflation remains hot, though it’s heading in the right direction at 9.2% last Dec, down from 10.1% in Nov 2022.

China has re-opened their borders before the Chinese New Year with travellers no longer required to quarantine upon entry. This could be the key to the global economy rebound in 2023.

Raiz is about helping you save & invest more – being
 able to save 5% of your salary is better
 than earning 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).

Do you know?

Wall Street

It is the name of a street in the financial district of Manhattan in New York. It also refers to financial markets of the United States as a whole.

Don’t have the Raiz App?

Download it for free in the App store:

Important Information

The information on this website is general advice only. This means it does not consider any person’s investment objectives, financial situation or investment needs. If you are an investor, you should consult your licensed adviser before acting on any information contained in this article to fully understand the benefits and risk associated with the Raiz product.

The information on this website is confidential. It must not be reproduced, distributed or disclosed to any other person. The information is based on assumptions or market conditions which change without notice. This will impact the accuracy of the information.

Under no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.


FOUR things you need to know – this week (weekly ended 01/11/2022).

Klik sini untuk Bahasa Melayu

Sharing some Investing and Economic insights:

FOUR things you need to know this week;

1. Investors’ sentiment was positive last week amid hopes that the pace of interest rate rises is starting to slow.

2. In the meantime, all eyes will be on interest rate decisions from key central banks. US Fed, Bank of England, Australia’s RBA are expected to deliver rate hikes this week. At home, investors are cautiously waiting for interest rate announcement from BNM – though it is unlikely.

3. Tony Fernandes steps down as Group CEO of AirAsia X – and said now he will focus on Capital A Bhd.

4. Raiz is about helping you save & invest more – being
 able to save 5% of your salary is better
 than earning 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).

Do you know?

World’s largest iPhone factory is in China. It is run by Foxconn, a Taiwan-based company, which acts as the largest supplier to US-based Apple.

Don’t have the Raiz App?

Download it for free in the App store:

Important Information

The information on this website is general advice only. This means it does not consider any person’s investment objectives, financial situation or investment needs. If you are an investor, you should consult your licensed adviser before acting on any information contained in this article to fully understand the benefits and risk associated with the Raiz product.

The information on this website is confidential. It must not be reproduced, distributed or disclosed to any other person. The information is based on assumptions or market conditions which change without notice. This will impact the accuracy of the information.

Under no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.


Further diversify your portfolio with Gold!
Klik sini untuk Bahasa Melayu

10-03-2022

Gold can traditionally outperforms other assets in a market downturns and times of high uncertainty like we are currently experiencing (however is, this is not the only driving factor of its value).

Year-to-date growth

(1 Jan 2022 – 8 Mar 2022)

Raiz now provides you the option to further diversify your portfolio with the inclusion of
GOLD
 through
Affin Hwang Shariah Gold Tracker Fund
 in the Custom Portfolio!

To include the Gold fund in your Custom Portfolio;

Open your Raiz app
> Home
 >
Invest
 >
Portfolio
 > Custom Portfolio icon (on the most right) >
Edit Portfolio.

You can allocate up to maximum 30% weight.

Learn how to have more control of your investment with Custom Portfolio
here
 or by watching the video
here
.

Don’t have the Raiz App?

Download it for free in the App store:

Important Information

The information on this website is general advice only. This means it does not consider any person’s investment objectives, financial situation or investment needs. If you are an investor, you should consult your licensed adviser before acting on any information contained in this article to fully understand the benefits and risk associated with the Raiz product.

The information on this website is confidential. It must not be reproduced, distributed or disclosed to any other person. The information is based on assumptions or market conditions which change without notice. This will impact the accuracy of the information.

Under no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.


Gamuda Sahkan Rancangan Penjualan Lebuhraya Miliknya kepada Kerajaan (minggu berakhir 11/05/2021)

Berikut adalah beberapa maklumat berkenaan Pelaburan dan Ekonomi:

Gamuda sahkan rancangan untuk jual empat konsesi lebuhraya miliknya kepada kerajaan – The Edge

Gamuda mengawal lebuhraya LDP, SPRINT, KESAS dan Terowong Smart.

Di bawah cadangan itu, Gamuda akan menjualnya kepada satu Tabung Amanah yang ditubuhkan oleh kerajaan. Tabung Amanah ini akan mengumpul wang untuk pembelian tersebut daripada pelabur-pelabur bon. Jaminan pulangan tahunannya akan disokong oleh aliran tunai dari tol-tol tersebut tanpa sebarang keperluan untuk jaminan kerajaan.

Bermakna, tiada kenaikan tol – pengguna lebuhraya akan terus membayar jumlah yang sama tetapi untuk tempoh yang lebih lama.

BNM kekalkan OPR pada 1.75% – The Edge

Bermakna, kos untuk pinjaman kadar terapung (seperti pinjaman rumah) akan kekal sama – bayaran bulanan tidak akan diselaraskan lebih tinggi atau rendah.

Kadar itu dijangka kekal sepanjang 2021 memandangkan kadar semasa cukup untuk menyokong pemulihan ekonomi.

BNM masih mempunyai ruang untuk merendahkan OPR jika keadaan ekonomi merosot dengan ketara.

Inari Amertron Bhd mengumumkan kepada Bursa Malaysia bahawa ia mahu mengumpul dana sehingga RM1.07 bilion melalui penempatan saham persendirian yang akan digunakan untuk perbelanjaan modal, pengambilalihan dan pelaburan – The Edge

Jumlah besar ini mungkin digunakan untuk membiayai penggabungan dan pengambilalihan yang besar (M&A) yang bakal mempercepatkan pertumbuhan syarikat.

Inari akan mengumumkan keputusan kewangannya bagi suku ketiga berakhir 31 Mac 2021 bulan ini, dan penganalisis menjangkakan nombor-nombor yang baik daripada syarikat itu.

Bursa Malaysia akan ditutup untuk dagangan pada sebelah petang pada hari Rabu (12 Mei 2021) dan sepanjang hari pada Khamis & Jumaat sempena sambutan Hari Raya.

Khidmat Pelanggan Raiz juga akan beroperasi pada hari Rabu dari 9.30 pagi hingga 1 tengah hari, dan ditutup pada hari Khamis & Jumaat.

Definisi Minggu Ini:
Dasar Monetari vs Dasar Fiskal

Dasar Monetari
 – Mengawal kadar faedah dan bekalan wang. Dikawal oleh Bank Negara.

Dasar Fiskal
 – Mengawal kadar cukai dan perbelanjaan kerajaan. Dikawal oleh kerajaan.

Maklumat Penting

Maklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.

Sekiranya anda seorang pelabur, anda harus berjumpa dengan penasihat berlesen anda sebelum menggunakan apa-apa maklumat yang terdapat dalam artikel ini untuk memahami sepenuhnya manfaat dan risiko yang berkaitan dengan produk Raiz.

Maklumat di laman web ini adalah sulit. Ia tidak boleh diterbitkan semula, diedarkan atau didedahkan kepada orang lain. Maklumat tersebut berdasarkan andaian atau keadaan pasaran yang berubah tanpa notis. Ini akan mempengaruhi ketepatan maklumat.

Dalam apa jua keadaan maklumat yang akan digunakan oleh, atau disampaikan kepada, seseorang untuk tujuan membuat keputusan mengenai pelaburan di Raiz, prestasi pulangan masa lalu produk Raiz tidak boleh dijadikan panduan semasa membuat keputusan untuk melabur dalam Raiz dan bukan peramal prestasi masa depan yang baik.

Iklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).


Gojek + Tokopedia = GoTo (minggu berakhir 18/05/2021)

Berikut adalah beberapa maklumat berkenaan Pelaburan dan Ekonomi:

Gergasi e-hailing dan pembayaran Indonesia, Gojek dan peneraju pasaran e-dagang, Tokopedia bergabung untuk mewujudkan syarikat teknologi bernilai berbilion dolar, GoTo.

GoTo, yang akan meliputi perniagaan membeli-belah dalam talian, perkhidmatan kurier, e-hailing, penghantaran makanan dan perkhidmatan lain, akan menjadi syarikat persendirian berasaskan teknologi terbesar di Asia Tenggara.

Pelabur-pelabur terbesar GoTo termasuk Alibaba Group, SoftBank Group, dana milik kerajaan Singapura (GIC) dan Tencent Holdings.

Nilai syarikat belum diketahui tetapi dianggarkan boleh mencapai sehingga USD40 billion.

Public Bank mencatatkan keuntungan bersih RM1.53 bilion bagi suku pertama berakhir 31 Mac  2021, meningkat 15%  tahun ke tahun – The Star.

Setakat semalam, saham Public Bank ditutup pada RM4.26, dengan nilai pasaran semasa kumpulan perbankan ini sebanyak RM82.7 bilion. Sebagai perbandingan, Maybank, bank terbesar Malaysia bernilai pasaran RM94.7 bilion.

Teh Hong Piow, Penasihat Kumpulan, mengasaskan bank itu pada tahun 1966. Beliau juga merupakan orang ke-4 terkaya di Malaysia berdasarkan senarai Forbes World’s Billionaires 2021.

SoftBank Group, syarikat gergasi pelaburan melaporkan keuntungan bersih tahunan terbaik bagi syarikat Jepun – 99 trilion yen (USD45 bilion atau RM188.9 bilion) bagi tahun berakhir Mac – Malay Mail.

Rekod keuntungan tahunan syarikat Jepun sebelum ini yang dipegang oleh Keuntungan ini juga melebihi USD42.5 bilion yang dibuat oleh syarikat Warren Buffet, Berkshire Hathaway pada tahun perniagaan terakhirnya.

Rekod keuntungan dipacu oleh norma kehidupan baru dalam talian yang telah menyebabkan sektor teknologi berkembang pesat dan membantu pelaburannya di syarikat-syarikat ini unutk membuat keuntungan yang besar.

Pengasasnya, Masayoshi Son, bagaimanapun mengakui dia mempunyai  “penyesalan” berhubung beberapa keputusan lalu. “Terdapat beberapa pelaburan kami yang gagal – WeWork, Greensill, Katerra. Tetapi apa yang saya lebih kesali ialah ada syarikat-syarikat yang bagus tetapi saya tidak melabur dalam mereka. Ibarat saya bermain besbol, seperti terlepas pukulan.”

Lembaga Tabung Angkatan Tentera (LTAT) telah mengisytiharkan dividen lebih baik sebanyak 3.5% bagi tahun kewangan berakhir 31 Dis 2020 berbanding 2.5% pada tahun

Pada 31 Disember 2020, Aset Dibawah Pengurusan (AUM) nya berjumlah RM9.6 bilion. Sebagai perbandingan, AUM Permodalan Nasional Berhad (PNB) ialah 6 bilion.

Bitcoin didagangkan di bawah USD45,000 Ahad lepas selepas tweet oleh bos Tesla, Elon Musk, menggambarkan Tesla mungkin telah menjual pegangan bitcoinnya –

Minggu lepas, Musk berkata Tesla tidak lagi akan menerima bitcoin untuk pembelian keretanya – berita yang menyebabkan bitcoin menjunam kira-kira 12% pada masa itu.

Musk adalah penyokong terbuka mata wang kripto.

Musk kemudiannya membuat tweet susulan, “Untuk menjelaskan spekulasi, Tesla tidak menjual pegangan bitcoinnya.”

Definisi Minggu Ini:
Penggabungan dan Pengambilalihan (M&A)

Apabila dua atau lebih syarikat bergabung. Contoh;

Celcom Axiata Bhd + Digi.Com Bhd = Celcom Digi Bhd

AmBank Group membeli 100% saham syarikat MBf Cards Sdn Bhd

SapuraCrest Petroleum Bhd + Kencana Petroleum Bhd = SapuraKencana Petroleum Bhd

Maklumat Penting

Maklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.

Sekiranya anda seorang pelabur, anda harus berjumpa dengan penasihat berlesen anda sebelum menggunakan apa-apa maklumat yang terdapat dalam artikel ini untuk memahami sepenuhnya manfaat dan risiko yang berkaitan dengan produk Raiz.

Maklumat di laman web ini adalah sulit. Ia tidak boleh diterbitkan semula, diedarkan atau didedahkan kepada orang lain. Maklumat tersebut berdasarkan andaian atau keadaan pasaran yang berubah tanpa notis. Ini akan mempengaruhi ketepatan maklumat.

Dalam apa jua keadaan maklumat yang akan digunakan oleh, atau disampaikan kepada, seseorang untuk tujuan membuat keputusan mengenai pelaburan di Raiz, prestasi pulangan masa lalu produk Raiz tidak boleh dijadikan panduan semasa membuat keputusan untuk melabur dalam Raiz dan bukan peramal prestasi masa depan yang baik.

Iklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).


Had harga minyak Rusia – dan TIGA perkara yang anda perlu tahu minggu ini (minggu berakhir 06/12/2022).

Click here for English

Kami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:

TIGA perkara yang anda perlu tahu – minggu ini;

Ringgit ditutup tinggi
 berbanding dolar AS dan mata wang utama lain minggu lepas.

 Penggabungan Celcom dan Digi akhirnya selesai, menjadikannya syarikat telekomunikasi terbesar di Malaysia.
KWSP dan PNB merupakan antara pelabur terbesar dalam syarikat baharu ini yang dikenali sebagai Celcom Digi.

Minggu lepas, negara-negara G7, EU dan Australia bersetuju untuk menetapkan had maksimum harga minyak Rusia pada US$60 setong. Jika harga melebihi US$60, mereka tidak akan membiarkan Rusia menghantar minyaknya menggunakan kapal tangki mereka, dan mereka akan menghentikan syarikat daripada membekalkan insuran and membiayai kapal yang membawa minyak Rusia. Ini demi melemahkan keupayaan Rusia untuk terus membiayai perang di Ukraine. Rusia – yang merupakan pengeluar minyak mentah kedua terbesar di dunia – mengancam untuk menghentikan eksport minyak ke negara-negara yang terlibat. Ini
mungkin mendorong harga minyak naik lebih tinggi
.

Raiz membantu anda menyimpan & melabur –
berjaya menyimpan 5% daripada gaji anda adalah lebih baik
 daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).

Anda tahu?

Pada 3Q22, pelaburan luar negara KWSP merangkumi 36% daripada jumlah aset pelaburannya.

Portfolio Bolehubah
 Raiz membolehkan anda melabur dalam saham-saham syarikat tersenarai di seluruh dunia.

Maklumat
Penting

Maklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.

Sekiranya anda seorang pelabur, anda harus berjumpa dengan penasihat berlesen anda sebelum menggunakan apa-apa maklumat yang terdapat dalam artikel ini untuk memahami sepenuhnya manfaat dan risiko yang berkaitan dengan produk Raiz.

Maklumat di laman web ini adalah sulit. Ia tidak boleh diterbitkan semula, diedarkan atau didedahkan kepada orang lain. Maklumat tersebut berdasarkan andaian atau keadaan pasaran yang berubah tanpa notis. Ini akan mempengaruhi ketepatan maklumat.

Dalam apa jua keadaan maklumat yang akan digunakan oleh, atau disampaikan kepada, seseorang untuk tujuan membuat keputusan mengenai pelaburan di Raiz, prestasi pulangan masa lalu produk Raiz tidak boleh dijadikan panduan semasa membuat keputusan untuk melabur dalam Raiz dan bukan peramal prestasi masa depan yang baik.

Iklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).


Halo dari parlimen tergantung. Dan TIGA perkara yang anda perlu tahu – minggu ini (minggu berakhir 22/11/2022).

Click here for English

Kami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:

TIGA perkara yang anda perlu tahu – minggu ini;

Halo dari parlimen yang tergantung. Bursa Malaysia susut mendadak semalam – turun 21 mata pada paras terendah harian. Walau bagaimanapun menjelang pasaran ditutup, ia telah  melantun untuk berakhir hanya 1 mata lebih rendah pada 1,448 apabila
pelabur melihat ianya sebagai tawaran menarik untuk membeli saham pada harga rendah kerana melihat ianya hanya sebagai kelemahan sementara dalam pasaran
.

 Grab berjaya mengurangkan kerugian dalam tempoh Julai-September dan
segmen penghantarannya telah balik modal
(breakeven)
 buat kali pertama sejak 2012
. Januari  lalu, Grab membeli saham majoriti dalam rangkaian pasar raya premium Malaysia, Jaya Grocer untuk memacu pertumbuhan segmen penghantaran barangan runcitnya.  Disenaraikan di Bursa Saham New York pada 21 Disember lepas, saham Grab telah jatuh kira-kira 70% sejak itu.

Musim laporan pendapatan korporat suku ke-3 sudah tiba (untuk suku ke-3 berakhir 30 Sep 2022).

Pos Malaysia:
 kerugian bersih suku ke-3 yang lebih rendah sebanyak RM33.63 juta, berbanding RM43.9 juta pada tahun sebelumnya.

MISC
: Keuntungan bersih bagi suku ke-3 meningkat dua kali ganda kepada RM820.6 juta daripada RM401 juta setahun sebelumnya.

SP Setia
: Keuntungan bersih melonjak lebih 6 kali ganda kepada RM70.18 juta pada suku ke-3 daripada RM11.01 juta pada suku yang sama tahun lepas.

Gas Malaysia:
 Keuntungan bersih suku ke-3 sebanyak RM95.66 juta, meningkat 53.4% daripada RM62.36 juta pada tahun sebelumnya.

Raiz membantu anda menyimpan & melabur –
berjaya menyimpan 5% daripada gaji anda adalah lebih baik
 daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).

Anda tahu?

Qatar telah membelanjakan sebanyak USD300 billion untuk persediaan Piala Dunia FIFA 2022 – membuatkan Piala Dunia kali ini termahal dalam sejarah.

Piala Dunia 2014 di Brazil dilaporkan melibatkan kos sebanyak USD15 billion, sementara USD11.6 billion dibelanjakan oleh Rusia untuk Piala Dunia 2018.

Maklumat
Penting

Maklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.

Sekiranya anda seorang pelabur, anda harus berjumpa dengan penasihat berlesen anda sebelum menggunakan apa-apa maklumat yang terdapat dalam artikel ini untuk memahami sepenuhnya manfaat dan risiko yang berkaitan dengan produk Raiz.

Maklumat di laman web ini adalah sulit. Ia tidak boleh diterbitkan semula, diedarkan atau didedahkan kepada orang lain. Maklumat tersebut berdasarkan andaian atau keadaan pasaran yang berubah tanpa notis. Ini akan mempengaruhi ketepatan maklumat.

Dalam apa jua keadaan maklumat yang akan digunakan oleh, atau disampaikan kepada, seseorang untuk tujuan membuat keputusan mengenai pelaburan di Raiz, prestasi pulangan masa lalu produk Raiz tidak boleh dijadikan panduan semasa membuat keputusan untuk melabur dalam Raiz dan bukan peramal prestasi masa depan yang baik.

Iklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).


Hanya DUA perkara yang anda perlu tahu minggu ini (minggu berakhir 08/08/2023)

Click here for English

Kami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:

Pelaburan oleh syarikat asing di China jatuh ke paras terendah
 dalam tempoh 25 tahun pada suku ke-2 tahun ini menurut Pentadbiran Pertukaran Asing China (SAFE) – ini menunjukkan kebimbangan tentang ketegangan geopolitik dan pembaharuan ekonomi yang perlahan boleh menjejaskan keyakinan pelabur.

Harga saham Berkshire Hathaway mencatat rekod tertinggi pada hari Isnin semalam, mencecah USD555,800 sesaham, melepasi paras tertinggi sebelumnya USD544,000 yang ditetapkan pada 28 Mac 2022.

Sebagai perbandingan, harga saham termahal di Bursa Malaysia adalah saham Nestle sebanyak RM132.20 semalam.

Warren Buffett, 92, memiliki kira-kira 15% saham Berkshire dan beliau telah mengetuai Berkshire sejak 1965. Beliau kini lebih kaya daripada pemilik Microsoft Bill Gates dan merupakan orang kelima terkaya di dunia, dengan kekayaan USD121.5 bilion, menurut majalah Forbes.

Raiz membantu anda menyimpan & melabur – berjaya menyimpan 5% daripada gaji anda setiap bulan adalah lebih baik daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).

Anda tahu?

Ekuiti

Ekuiti adalah kata nama lain untuk saham. Ekuiti anda adalah sebahagian daripada pemilikan syarikat. Pemegang saham (atau pemegang ekuiti) berhak mendapat dividen yang mewakili bahagian keuntungan syarikat mereka.

Maklumat
Penting

Maklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.

Sekiranya anda seorang pelabur, anda harus berjumpa dengan penasihat berlesen anda sebelum menggunakan apa-apa maklumat yang terdapat dalam artikel ini untuk memahami sepenuhnya manfaat dan risiko yang berkaitan dengan produk Raiz.

Maklumat di laman web ini adalah sulit. Ia tidak boleh diterbitkan semula, diedarkan atau didedahkan kepada orang lain. Maklumat tersebut berdasarkan andaian atau keadaan pasaran yang berubah tanpa notis. Ini akan mempengaruhi ketepatan maklumat.

Dalam apa jua keadaan maklumat yang akan digunakan oleh, atau disampaikan kepada, seseorang untuk tujuan membuat keputusan mengenai pelaburan di Raiz, prestasi pulangan masa lalu produk Raiz tidak boleh dijadikan panduan semasa membuat keputusan untuk melabur dalam Raiz dan bukan peramal prestasi masa depan yang baik.

Iklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).


Simpanan (dan Pelaburan) untuk Kecemasan

“Sediakan payung sebelum hujan.”

Tahniah kerana berjaya sampai hari ke-2 Pendidikan Pelaburan kami! Sekarang apabila anda sudah fahami asas kewangan, anda sudah bersedia untuk melangkah ke tahap seterusnya –
membuat belanjawan dan mula menyimpan
.

Anda akan sedar apabila anda mula menyimpan, walau sedikit sekalipun, tetapi berterusan, tabung anda akan dapat bertambah dari semasa ke semasa tanpa anda sedari!

Perkataan Hari Ini: Tabung Kecemasan

Wang yang disimpan untuk waktu kecemasan yang mungkin berlaku pada bila-bila masa. Contohnya, ketika pandemik COVID-19.

Ingat 3 nombor ini – 50/30/20

Prinsip yang mudah dipraktikkan:

Keperluan anda (50%).

Kehendak (30%).

Simpanan dan pelaburan (20%).

Nombor ini tidak semestinya tetap. Namun, ia memberikan asas yang kuat untuk membina tabiat kewangan yang sihat untuk membantu anda mencapai matlamat anda. Contohnya, apabila krisis berlaku dan wang untuk perbelanjaan keperluan terhad, anda mungkin perlu mengurangkan bahagian wang untuk simpanan buat sementara waktu.

Perbaiki belanjawan anda

Sekiranya anda melihat gambaran belanjawan anda secara umum, anda akan segera melihat bahawa terdapat beberapa jenis pengeluaran wang dari gaji anda seperti ini:

Pelaburan / tabung kecemasan.

Keperluan yang tidak boleh diubah.

Keperluan yang boleh dikawal.

Bukan keperluan.

Kuncinya adalah untuk menghasilkan belanjawan dengan mencari alternatif dan pilihan untuk berbelanja.

Sebagai contoh:

Ramai rakyat Malaysia lupa bahawa bil asas rumah seperti internet dan telefon semuanya boleh ditukar. Dengan menukar kepada yang lebih murah, anda dapat menjimatkan ratusan perbelanjaan tahunan anda dengan mudah!

Beli secara pukal. Anda mungkin kelihatan seperti orang gila untuk seketika, tetapi ini benar-benar dapat menjimatkan wang perbelanjaan anda.

Cuba bayar awal atau tepat pada masanya – sebilangan penyedia servis akan memberikan potongan untuk pembayaran tepat pada waktunya dan mengelakkan denda caj yang lewat (contoh: Caj tahunan untuk insurans kadangkala lebih murah daripada bulanan).

Maklumat Penting

Maklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.

Sekiranya anda seorang pelabur, anda harus berjumpa dengan penasihat berlesen anda sebelum menggunakan apa-apa maklumat yang terdapat dalam artikel ini untuk memahami sepenuhnya manfaat dan risiko yang berkaitan dengan produk Raiz.

Maklumat di laman web ini adalah sulit. Ia tidak boleh diterbitkan semula, diedarkan atau didedahkan kepada orang lain. Maklumat tersebut berdasarkan andaian atau keadaan pasaran yang berubah tanpa notis. Ini akan mempengaruhi ketepatan maklumat.

Dalam apa jua keadaan maklumat yang akan digunakan oleh, atau disampaikan kepada, seseorang untuk tujuan membuat keputusan mengenai pelaburan di Raiz, prestasi pulangan masa lalu produk Raiz tidak boleh dijadikan panduan semasa membuat keputusan untuk melabur dalam Raiz dan bukan peramal prestasi masa depan yang baik.

Iklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).


“Hari Bitcoin” El Salvador (minggu berakhir 14/09/2021)

Berikut adalah beberapa maklumat berkenaan Pelaburan dan Ekonomi:

“Hari Bitcoin” El Salvador – Forbes.

El Salvador secara rasmi menjadi negara pertama di dunia yang menerima pakai Bitcoin sebagai mata wang yang sah.

6.5 juta penduduknya boleh membayar cukai dan pinjaman dengan mata wang kripto ini dan membolehkan perniagaan di seluruh negara menerimanya sebagai pembayaran.

Menjelang “Hari Bitcoin”, negara itu telah membeli 400 bitcoin bernilai anggaran AS$21 juta dan melancarkan beratus-ratus ATM bitcoin.

Walau bagaimanapun, keputusan untuk menjadi ekonomi dunia pertama menerima pakai bitcoin tidak membantu nilai mata wang kripto itu. Dalam masa beberapa jam setelah diumumkan, pasaran kripto mengalami gelombang penjualan besar-besaran.

11 syarikat Malaysia berjaya tersenarai di Syarikat Terbaik Bawah AS$1 Bilion 2021 oleh Forbes Asia.

Senarai itu mengiktiraf 200 syarikat senaraian awam bersaiz kecil dan sederhana di Asia Pasifik yang mencatatkan jualan di bawah AS$1 bilion.

Syarikat-syarikat Malaysia ialah Comfort Gloves Bhd, D&O Green Technologies Bhd, Dancomech Holdings Bhd, Dufu Technology Corp Bhd, FoundPac Group Bhd, Frontken Corp Bhd, Revenue Group Bhd, Scientex Bhd, Thong Guan Industries Bhd, UG Healthcare Corp dan ViTrox Corp Bhd.

Harga minyak naik ke paras tertinggi enam minggu. Harga aluminium pula mencecah AS$3,000 satu tan buat kali pertama sejak 2008 – The Star.

Kestabilan politik – parlimen akan kekal sehingga Julai 2022 di bawah MoU Kerajaan-Pembangkang – The Edge.

Malaysia mungkin tidak akan menyaksikan pilihan raya umum ke-15 sehingga Ogos 2022 paling awal, berdasarkan memorandum bersejarah mengenai transformasi politik dan kestabilan antara gabungan kerajaan persekutuan dan Pakatan Harapan (PH) semalam.

Memorandum bersejarah ini akan membolehkan Malaysia menumpukan semula usaha memerangi Covid-19 dan kesan pandemik ini.

Adakah anda tahu?..

Apabila anda “melabur”, anda sebenarnya membeli unit-unit. Harga seunit bergerak naik dan turun mengikut pergerakan pasaran saham semasa.

Apabila anda membuat “pengeluaran”, anda sebenarnye menjual unit-unit anda.

Maklumat
Penting

Maklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.

Sekiranya anda seorang pelabur, anda harus berjumpa dengan penasihat berlesen anda sebelum menggunakan apa-apa maklumat yang terdapat dalam artikel ini untuk memahami sepenuhnya manfaat dan risiko yang berkaitan dengan produk Raiz.

Maklumat di laman web ini adalah sulit. Ia tidak boleh diterbitkan semula, diedarkan atau didedahkan kepada orang lain. Maklumat tersebut berdasarkan andaian atau keadaan pasaran yang berubah tanpa notis. Ini akan mempengaruhi ketepatan maklumat.

Dalam apa jua keadaan maklumat yang akan digunakan oleh, atau disampaikan kepada, seseorang untuk tujuan membuat keputusan mengenai pelaburan di Raiz, prestasi pulangan masa lalu produk Raiz tidak boleh dijadikan panduan semasa membuat keputusan untuk melabur dalam Raiz dan bukan peramal prestasi masa depan yang baik.

Iklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).


Hello from the hung parliament. And THREE things you need to know – this week (weekly ended 22/11/2022).

Klik sini untuk Bahasa Melayu

Sharing some Investing and Economic insights:

THREE things you need to know this week;

Hello from the hung parliament. Bursa Malaysia fell sharply yesterday – down 21 points at its day low. But at market close, it had retraced most of its losses to end just 1 point lower at 1,448 as
bargain-hunters have bought shares on what was seen as temporary weakness in the market
.

Grab narrowed losses during the July-September period and
broke even in its deliveries segment for the first time since 2012
. Last January, Grab acquired a majority stake in Malaysian mass-premium supermarket chain Jaya Grocer to accelerate its expansion into grocery delivery. Listed on the New York Stock Exchange in Dec-21, shares of Grab have fallen about 70% since.

It’s 3Q corporate earnings reporting season (for 3rd quarter ended 30 Sep 2022);

Pos Malaysia
 has posted a narrower third quarter net loss of RM33.63 million, compared to RM43.9 million a year earlier.

MISC
’s net profit for the third quarter more than doubled to RM820.6 million from RM401 million a year earlier.

SP Setia
’s net profit surged more than six times to RM70.18 million in the third quarter from RM11.01 million in the same quarter last year.

Gas Malaysia
 recorded a third quarter net profit of RM95.66 million, up 53.4% from RM62.36 million a year earlier.

Raiz is about helping you save & invest more – being
 able to save 5% of your salary is better
 than earning 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).

Do you know?

Qatar has spent USD300 billion preparing for 2022 FIFA World Cup which makes it the most expensive World Cup in history.

The 2014 World Cup in Brazil costs a reported USD15 billion, while USD11.6 billion was spent on the 2018 World Cup in Russia.

Don’t have the Raiz App?

Download it for free in the App store:

Important Information

The information on this website is general advice only. This means it does not consider any person’s investment objectives, financial situation or investment needs. If you are an investor, you should consult your licensed adviser before acting on any information contained in this article to fully understand the benefits and risk associated with the Raiz product.

The information on this website is confidential. It must not be reproduced, distributed or disclosed to any other person. The information is based on assumptions or market conditions which change without notice. This will impact the accuracy of the information.

Under no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.


How Auto Round-ups or Spare Change Investments Work

Klik sini untuk Bahasa Melayu

What is spare change investment?

Spare change investment (apart from
one-lump sum
 and
recurring
 investment) is Raiz’s main feature to help people to save & invest just in the background of life. It is automatic and effortless so you save & invest without you noticing it!

How does it work?

Easy!

1. First, link your
debit & credit cards
 under the Round-up Account. You may also link your bank account too.

2. Next, spend like normal and pay using the cards or online banking. Raiz will then round up that transaction to the
next Ringgit
 and invests the spare change into your Raiz account.

Example, if you pay for a cup of coffee for RM8.90 using your card, we’ll automatically round it up to RM9 – so your spare change is 10 cents.

Or, you pay your bills using online banking (FPX) for RM55.20 – your spare change is 80 cents.

We will continue to round up your everyday purchases. We will first accumulate the spare changes (only virtually!) and when the spare change has reached at least RM5, we will take that amount from your bank, and invest it! Easy!

3. Now sit back and relax and see how it grows over time. As you spend, you save!

Try it out!

Don’t have the Raiz App?

Download it for free in the App store:

Important Information

The information on this website is general advice only. This means it does not consider any person’s investment objectives, financial situation or investment needs. If you are an investor, you should consult your licensed adviser before acting on any information contained in this article to fully understand the benefits and risk associated with the Raiz product.

The information on this website is confidential. It must not be reproduced, distributed or disclosed to any other person. The information is based on assumptions or market conditions which change without notice. This will impact the accuracy of the information.

Under no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.

The past return performance of the Raiz product should not be relied on for deciding to invest in Raiz and is not a good predictor of future performance.

The advertisement has not been reviewed by the SC.


How to reach your Savings Goal faster

How to reach your Savings Goal faster

Klik sini untuk Bahasa Melayu

Setting a savings goal can be a powerful tool for managing your money and making better financial decisions. It can also help you achieve your financial goals faster and more effectively.
The first step is having a specific savings goal in mind
. For example, rather than “saving more”, you could have a more specific goal such as “save & invest RM10 every week” so you are able to track your progress and stay motivated at each milestone.

Other common savings goals include saving for a house deposit, saving for a child’s education, saving for travel, and saving for retirement. If you don’t have a specific savings goal in mind, having an Emergency Fund for a rainy day can also be beneficial for unexpected expenses or a sudden loss of income. Learn more on this in our blog
“Why you should have an Emergency Fund”
.

Now that you have a goal in mind, how can you reach it faster? By automating it and letting it grow in the background of life. Most banks now offer this in the way of scheduled transfers to other subaccounts.

Raiz also has an automatic
“Savings Goal”
 feature that allows you to easily save & invest automatically into your Raiz account on a schedule that suits you.

Here are several reasons why this can help reach your goal faster:

Automatic Savings Goal can help you save consistently

By automating your savings, you can save consistently without having to remember to transfer money into your savings account manually. This can be especially helpful if you struggle to save consistently or forget to transfer money to your savings account on a consistent basis. Believe it or not, slow and steady can win the race!

“It does not matter how slowly you go, as long as you do not stop.” – Confucius.

Automatic Savings Goal can help you save more

You may be surprised at how much more you could save if you didn’t have to think twice about it. If you are using Raiz, enabling our
Round-Ups
 feature is another way to save more by investing the spare change from your everyday purchases. The key is to save and invest small amounts regularly and automatically so it minimises the impact to your everyday life, which can eventually make a big difference to your future.

Automatic Savings Goal can reduce the temptation to spend

When you automate your savings, the money is transferred automatically to your savings account before you even have a chance to spend it – which can help you resist the temptation to spend your money on unnecessary things. Another quick tip to stop temptation spending is to never go into a grocery shop hungry or without a list!

“Do not save what is left after spending but spend what is left after saving.” – Warren Buffett

Automatic Savings Goal can help you make the most out of compounding power

If you are saving for the long term, automating your savings can help you take advantage of compounding power – which is the potential return that you get from your investments, compounded. When you save consistently over a long period of time, your money has the opportunity to compound and grow quicker to reach your goal. Like a snowball that starts small and gets larger as it rolls!

For more tips on how to stick to your goals for 2023, check out our blog
“How to stick to your New Year’s Resolutions”
.

Don’t have the Raiz App?

Download it for free in the App store:

Important Information

The information on this website is general advice only. This means it does not consider any person’s investment objectives, financial situation or investment needs. If you are an investor, you should consult your licensed adviser before acting on any information contained in this article to fully understand the benefits and risk associated with the Raiz product.

The information on this website is confidential. It must not be reproduced, distributed or disclosed to any other person. The information is based on assumptions or market conditions which change without notice. This will impact the accuracy of the information.

Under no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.


How to Save Money on Valentine’s Day

How to Save Money on Valentine’s Day

Valentine
’s
 Day
 is the opportunity to show
y
our love to that special someone and how much they mean to
you
.
There’s no doubt that something luxurious stays in our head for a long time. That is why sometimes people
break the banks just
 for valentine’s Day.

Don’t worry
,
 love isn’t measured in ringgit.
 You don’t have to spend a lot to show someone that you care.

I
t
’s
 the intention and thoughts that counts. So
, here are a few ways

we can have a special day on Valentine’s Day without
 ruining our budget or put us into further debt.

1. Give a handwritten letter.

Don’t underestimate handwritten letter. It is more meaningful because writing to someone and taking the time to craft each sentence while thinking
of
 that person will make them feel special.
H
andwritten letter
also
feels more personal and is suitable to use to express our feelings for someone. Therefore, the message contained in it could be conveyed
 more effectively
. And you don’t have to spend a fortune on a
beautifully designed
letter
. They are affordable yet still can make valentine’s day special.

2. Dinner at home.

Who sa
ys
 you have

to go out to eat? You can have a romantic
candlelight
 dinner at home

havin
g
 a homemade meal
 together with your special someone
. It does not only save you from the
head busting
 price
of

a
 meal
 in a fancy restaurant,
 but you and your partner can
 also have a more personal romantic dinner time together without the need to worry about what to wear and just enjoy your time cooking together and reminiscing your memories in more comfortable surrounding
s
.

3. DIY gifts.

Instead of buying super expensive gifts why not tak
e
 the time and effort to give your partner a
gift that you

create yourself
. It can
be a photobook
that contains
 pictures of your memories together with your partner
 along with a few heartfelt message
s
.
 You can also handma
d
e a bracelet that marks your relationship milestone. Handma
d
e gifts certainly will not look as good as
diamonds
 or any other lavish gifts
, but it carries more sentimental values and way cheaper.

4. Spend time together.

You don’t have to reserve a fancy place just to celebrate valentine’s day together with your partner. You can just simply spend time together at home watching movies, chatting with each other, play games or other simple activities
 that you both can enjoy.
 Valentine’s day is not about buying gifts, it is more about spending time with each other and show your partner how
much they
 mean to you. It can also save your money
and time to make a reservation at a restaurant.

5. Gift of service.

Another creative idea that you can use on valentine’s day is
a gift of service
. You can create your own coupon book that contains the things you would do for your partner, such as doing the laundry
 for a week, washing a car, an hour massage and many other romantic gestures that don’t cost you anything
 and what your partner maybe hate to do
.
It’s a simple
everyday chore
 that
c
an touch your partner’s heart
 and when you offer the service to help do it for them, that is an offer they can’t resist and be thankful for.

6. Take them for fun activity.

Instead of taking your partner to a restaurant, why not take them to go bowling
, take a walk or maybe
take her
on a
 hike
 instead? Doing
outdoor activity surrounded by nature
is a good change of air of what usually been done on Valentine’s Day. You can share a good conversation while taking pictures
 with beautiful nature scenery as a background
.

At the end of the day, you don’t need to
 empty your wallet
to

impress

the one you lov
e
.
Just giv
ing your time and show your feelings through a simple handwritten letter or handmade gift can make them feel appreciated and make the day more memorable.

Sometimes,
 small simple things

are
 more meaningful than something lavish. You just need to have a little bit of effort, time and creativity to make a simple thing special
 for your loved ones.

Don’t have the Raiz App?

Download it for free in the App store:

Important Information

The information on this website is general advice only. This means it does not consider any person’s investment objectives, financial situation or investment needs. If you are an investor, you should consult your licensed adviser before acting on any information contained in this article to fully understand the benefits and risk associated with the Raiz product.

The information on this website is confidential. It must not be reproduced, distributed or disclosed to any other person. The information is based on assumptions or market conditions which change without notice. This will impact the accuracy of the information.

Under no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.

The past return performance of the Raiz product should not be relied on for deciding to invest in Raiz and is not a good predictor of future performance.

The advertisement has not been reviewed by the SC.


How to stick to your New Year’s Resolutions

New Year, New Me!

While growing your savings surely takes a large effort, there are some simple ways to start on the path to financial security.

Having new year’s resolutions can be a helpful way to focus on making positive changes in your life and improving yourself across finance, health, family, friends and career (just to name a few). Having a resolution is a common thing people start the new year with. There are many benefits to setting one and most importantly,
sticking to them
.

Here are a few tips that might help you stick to your new year resolutions:

1.
Make your resolutions
specific and achievable

Rather than resolving to “exercise more,” try setting a specific goal, such as “exercise for 30 minutes at least three times a week.” This could also work when you try to “save more” – set a more specific goal such as “save & invest RM20 every week” so you are able to track your progress and stay motivated across all your goals for the year. Try to set your automatic recurring investments using
Raiz recurring investments
 feature.

2.
Break your resolutions into smaller, more manageable goals

If you have a large, long-term resolution, it can be helpful to break it down into smaller, more manageable goals. This will make it feel less daunting and give you a sense of accomplishment as you make progress. For example, if your goal is to save for a house deposit, it will feel more achievable by breaking it down into smaller amounts to hit along the way. You can also use apps to work towards these smaller goals such as
Raiz’s Savings Goa
l
.

3.
Be realistic with your goals

It’s important to be realistic about what you can accomplish. One approach is to start small and gradually increase the difficulty of your goals as you become more comfortable and confident. This will help you stay motivated and avoid feeling overwhelmed or discouraged.

It’s also important to be flexible and willing to adjust your goals if you find along the way that they are not realistic anymore. Remember that the process of working towards goals is a journey, and it’s okay to make mistakes along the way. The key is to stay focused and committed.

4.
Make your goals visible

Now that you have specific, achievable, and realistic goals, write down your goal and place it somewhere where you will see it every day. This could be on your fridge, on your desk, or on a whiteboard in your bedroom. Creating a visual representation of your goal such as a mind map, a vision board, or a goal chart can also help you stay focused and motivated. Platforms such as
Pinterest
 can also be a great way to start.

Sharing and telling others about your goal can also help keep you motivated.

Remember to be flexible and willing to adjust your way if needed.

5.
Keep track of your progress

Seeing the progress you’ve made can help you feel a sense of accomplishment and encourage you to keep going. There are many different ways you can keep track of your progress, such as through a journal, a spreadsheet, or a goal tracking app. For any saving goals you have, Raiz also has a feature to allow you to track every time when you automatically put aside savings to hit your goal in the background of your life.

6.
Celebrate your victories!

It’s also important to celebrate your victories along the way. This can be a great way to stay motivated and give yourself a sense of accomplishment. Celebrate by rewarding yourself with a small treat or taking time to reflect on the progress you’ve made.

Overall, setting and sticking to your new year resolutions can help you improve your physical and mental health, build new habits, achieve personal growth, and feel a sense of accomplishment and satisfaction. But if you slip up along the way, don’t be too hard on yourself. Everyone makes mistakes :D. It’s okay to get back on track and try again!

Don’t have the Raiz App?

Download it for free in the App store:

Important Information

The information on this website is general advice only. This means it does not consider any person’s investment objectives, financial situation or investment needs. If you are an investor, you should consult your licensed adviser before acting on any information contained in this article to fully understand the benefits and risk associated with the Raiz product.

The information on this website is confidential. It must not be reproduced, distributed or disclosed to any other person. The information is based on assumptions or market conditions which change without notice. This will impact the accuracy of the information.

Under no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.

The past return performance of the Raiz product should not be relied on for deciding to invest in Raiz and is not a good predictor of future performance.

The advertisement has not been reviewed by the SC.


Cabar diri anda untuk simpan RM1,000 setahun!

Click here for English

01/01/2022

Sedang kita meraikan tahun baru ini, ramai mula terfikir tentang azam baru – perkara yang mereka mahu mulakan atau hentikan, untuk kehidupan yang lebih baik. Perkara berkaitan kewangan tentunya menjadi antara azam yang paling banyak difikirkan.

Anda belum pasti apakah azam baru untuk kewangan anda? Kami kongsi beberapa idea.

Komitmen untuk menabung dahulu

Dapat sahaja gaji, ramai orang akan berbelanja dahulu, dan hanya menyimpan kemudian (jika ada baki!). Ini tidak menjamin anda dapat menabung secara konsisten kerana ia secara tidak langsung bergantung pada perbelanjaan anda setiap bulan (dan boleh jadi terlebih berbelanja!).

Pada tahun baru, anda boleh
bayar diri anda terlebih dahulu
 dengan meletakkan peratusan tetap pendapatan anda untuk menyimpan dan melabur (contoh: 20%), dan hanya kemudiannya berbelanja amaun baki yang tinggal.

Cara automatik adalah terbaik jika ini yang anda hendak capai – pindahkan terus wang daripada akaun bank anda sebelum anda mempunyai peluang untuk membelanjakannya. Melakukan Auto-Labur dengan akaun Raiz anda ialah satu cara mudah kerana anda boleh tetapkan jumlah dan biarkan ia berjalan secara automatik.

Buat (dan berdisiplin pada) budget

Cabaran dengan budget ialah kita sering tidak ambil kisah mengenainya.
Budget 50/30/20 yang ringkas boleh menjadi panduan yang baik untuk mengurus wang kerana ia agak mudah untuk diikuti:

Gunakan sehingga 50% daripada pendapatan anda untuk apa yang anda perlukan.

Bolehkan sehingga 30% berbelanja untuk kehendak anda.

Simpankan 20% untuk simpanan, pelaburan dan membayar hutang anda.

Peratusan 50/30/20 tidak tetap – ia hanya panduan umum untuk membantu membuat anggaran budget anda. Anda boleh menetapkan peratusan yang sesuai dengan keperluan sendiri untuk mencapai matlamat kewangan anda!

Pilih matlamat simpanan dan mula berusaha ke arah itu

Tips sebelum ini adalah mengenai membina tabiat yang baik untuk mula mengurus wang dengan lebih baik dan menabung lebih banyak. Namun adalah lebih baik jika ada matlamat unut dikejar sebagai motivasi.

Idea yang boleh dijadikan matlamat simpanan:

Tabung kecemasan – Dua tahun semasa pandemik COVID-19 ini telah mengingatkan kita kenapa tabung sangat penting untuk kita ada.

Percutian – Kita semua perlukannya selepas apa yang berlaku pada 2021 dan pelancongan mungkin menjadi lebih mudah pada 2022.

Deposit rumah – Membeli rumah adalah keputusan besar dalam hidup. Masa terbaik untuk mula menyimpan ialah sekarang.

Selesaikan segala hutang – Hutang boleh menyukarkan anda untuk menyimpan.

Persaraan – Masih tiada idea? Bersedia untuk hari persaraan!

Cabar diri anda untuk simpan RM1,000 setahun

RM1,000 nampak besar tetapi untuk masa setahun, ia tidaklah sebesar mana. Kita semua suka untuk mencabar diri supaya badan lebih sihat atau mengurangkan berat badan. Menyimpan dan melabur juga sama. Sikit-sikit, lama-lama jadi bukit. Jika anda hanya simpan RM20 seminggu, anda akan berjaya simpan sebanyak RM1,040 selama setahun.

Jika anda belum lagi melakukan Auto-labur atau Target Simpanan dengan Raiz, ayuh mulakan sekarang dengan melabur RM20 seminggu di dalam akaun Raiz anda untuk capai cabaran ini!

Maklumat
Penting

Maklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.

Sekiranya anda seorang pelabur, anda harus berjumpa dengan penasihat berlesen anda sebelum menggunakan apa-apa maklumat yang terdapat dalam artikel ini untuk memahami sepenuhnya manfaat dan risiko yang berkaitan dengan produk Raiz.

Maklumat di laman web ini adalah sulit. Ia tidak boleh diterbitkan semula, diedarkan atau didedahkan kepada orang lain. Maklumat tersebut berdasarkan andaian atau keadaan pasaran yang berubah tanpa notis. Ini akan mempengaruhi ketepatan maklumat.

Dalam apa jua keadaan maklumat yang akan digunakan oleh, atau disampaikan kepada, seseorang untuk tujuan membuat keputusan mengenai pelaburan di Raiz, prestasi pulangan masa lalu produk Raiz tidak boleh dijadikan panduan semasa membuat keputusan untuk melabur dalam Raiz dan bukan peramal prestasi masa depan yang baik.

Blog ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).


Save RM1,000 in a year!

Save RM1,000 in a year!

Klik sini untuk Bahasa Melayu

01/01/2022

Around this time of year, many people start to make resolutions – things they want to start or to stop, to improve their life. It is common for saving and investing more to be in people’s top five resolutions.

Not sure what your new year’s money resolutions should be? Here are some ideas.

Commit to paying yourself first

When you get your salary, many people often spend first, and then save the balance. The problem with this is that it doesn’t guarantee any regular savings; your savings could become dependent on how much you spend each month.

In 2022,
let’s pay yourself first
 by setting aside a fixed percentage of your income towards saving and investing (example: 10%), and then only spend what is left.

Automation is your friend if this is your resolution, which can automatically put the money straight out of your bank account before you have a chance to spend it. Setting up a recurring deposit into your Raiz account is one way to do this.

Create (and stick to) a budget

The problem with most budgets is we often become disengaged with them, leading us far from our initial plan.
A simple 50/30/20 budget can be a good place to start with budgeting since they are relatively easy to follow:

Use up to 50% of your income for what you need.

Allow for up to 30% to spend on the fun stuff.

Save 20% for a rainy day, investing or your savings goal (like buying a house).

These numbers aren’t necessarily fixed; however, they provide a strong foundation for building healthy financial habits to help you achieve your goals.

Choose a savings goal and start working towards it

The previous tips are good behavioural changes to help you start managing your money better and saving more, however it’s also good to have a goal to work towards.

Some common savings goals you could consider are:

Build an emergency fund – The last two years during the COVID-19 pandemic have shown us why having one of these can be so important.

Save for a holiday – We all need one after what happened in 2021 and travel might become easier in 2022.

Save for a house deposit – Buying a house is a big financial life decision. If you’re planning to buy in the future, the best time to start saving is now.

Pay down any debt you have – It’s simple, debt is not your friend if you’re trying to save!

Save for retirement – If you don’t have any immediate money goals that come to mind, it’s generally a good idea to build up your retirement savings.

Challenge yourself to save RM1,000 in a year

RM1,000 sounds like a lot, but over a year this actually isn’t too difficult to achieve. We all like a challenge to get fit or lose weight or to meet another goal. Saving and investing is no different. If you save just RM20 per week, you’ll put away RM1,040 in a year!

If you have not already set up a recurring deposit or savings goal with Raiz, then setting one up and investing RM20 weekly into your Raiz account could help you achieve this!

Important Information

The information on this website is general advice only. This means it does not consider any person’s investment objectives, financial situation, or investment needs. If you are an investor, you should consult your licensed adviser before acting on any information contained in this article to fully understand the benefits and risks associated with the Raiz product.

The information on this website is confidential. It must not be reproduced, distributed, or disclosed to any other person. The information is based on assumptions or market conditions that change without notice. This will impact the accuracy of the information.

Under no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.


“In the black” – and THREE things you need to know this week (weekly ended 13/12/2022).

Klik sini untuk Bahasa Melayu

Sharing some Investing and Economic insights:

THREE things you need to know this week;

Cash-strapped
Sapura Energy Bhd returned to the black
 for the third quarter 2022 with RM10.18 million net profit versus a huge RM669.34 million net loss in the previous year’s corresponding quarter.

Public Bank founder, Tan Sri Teh Hong Piow passes away
 yesterday at the age of 92. He left Malayan Banking in 1966 to set up and grew Public Bank to where it is today, the country’s third-largest banking group by assets (after Maybank and CIMB). Public Bank is also currently the second largest company on Bursa Malaysia with a market capitalisation of RM85bil.

US stocks rose sharply yesterday amid ended with losses last Friday.
This week, investors are waiting for the key inflation data and Fed’s interest-rate decision
. The inflation data is expected to help inform the next trajectory of interest rates over the coming months. Investors are also expecting 0.5% increase in the Fed’s benchmark rate.

Raiz is about helping you save & invest more – being
 able to save 5% of your salary is better
 than earning 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).

Do you know?

“In the black”

A company is said to be “in the black” if it is profitable.

One that is unprofitable is said to be “in the red”.

Don’t have the Raiz App?

Download it for free in the App store:

Important Information

The information on this website is general advice only. This means it does not consider any person’s investment objectives, financial situation or investment needs. If you are an investor, you should consult your licensed adviser before acting on any information contained in this article to fully understand the benefits and risk associated with the Raiz product.

The information on this website is confidential. It must not be reproduced, distributed or disclosed to any other person. The information is based on assumptions or market conditions which change without notice. This will impact the accuracy of the information.

Under no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.


“In the black” – dan TIGA perkara yang anda perlu tahu minggu ini (minggu berakhir 13/12/2022).

Click here for English

Kami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:

TIGA perkara yang anda perlu tahu – minggu ini;

Sapura Energy Bhd kembali mencatat keuntungan
, dengan untung bersih RM10.18 juta pada suku ketiga berakhir 31 Oktober 2022 berbanding kerugian bersih RM669.34 juta pada suku yang sama tahun lalu.

Pengasas Public Bank,
Tan Sri Teh Hong Piow meninggal dunia semalam pada usia 92 tahun
. Beliau meninggalkan Malayan Banking pada tahun 1966 untuk menubuhkan Public Bank seterusnya mengembangkannya sehingga menjadi kumpulan perbankan ketiga terbesar di negara ini (selepas Maybank dan CIMB). Public Bank juga kini merupakan syarikat kedua terbesar di Bursa Malaysia dengan modal pasaran sebanyak RM85 bilion.

Saham-saham AS naik mendadak semalam walaupun berakhir dengan kerugian pada Jumaat lepas.
Minggu ini, pelabur sedang menunggu data inflasi utama dan keputusan kadar faedah dari Bank Pusat AS (Fed)
. Data inflasi itu dijangka membantu menentukan halatuju kadar faedah seterusnya untuk beberapa bulan akan datang. Pelabur juga menjangkakan kenaikan 0.5% pada kadar faedah Fed.

Raiz membantu anda menyimpan & melabur –
berjaya menyimpan 5% daripada gaji anda adalah lebih baik
 daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).

Anda tahu?

“In the black”

Jika sesebuah syarikat itu membuat keuntungan, ia dikatakan “in the black”.

Jika dalam kerugian, ia dianggap “in the red”.

Maklumat
Penting

Maklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.

Sekiranya anda seorang pelabur, anda harus berjumpa dengan penasihat berlesen anda sebelum menggunakan apa-apa maklumat yang terdapat dalam artikel ini untuk memahami sepenuhnya manfaat dan risiko yang berkaitan dengan produk Raiz.

Maklumat di laman web ini adalah sulit. Ia tidak boleh diterbitkan semula, diedarkan atau didedahkan kepada orang lain. Maklumat tersebut berdasarkan andaian atau keadaan pasaran yang berubah tanpa notis. Ini akan mempengaruhi ketepatan maklumat.

Dalam apa jua keadaan maklumat yang akan digunakan oleh, atau disampaikan kepada, seseorang untuk tujuan membuat keputusan mengenai pelaburan di Raiz, prestasi pulangan masa lalu produk Raiz tidak boleh dijadikan panduan semasa membuat keputusan untuk melabur dalam Raiz dan bukan peramal prestasi masa depan yang baik.

Iklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).


Interest rate hike (again) 😮… April edition (weekly ended 9/5/2023)

Klik sini untuk Bahasa Melayu

Sharing some Investing and Economic insights

Last week, Bank Negara surprised most economists by lifting interest rates by 25 basis points (bps) to 3.00% as inflation, though trended lower, remains elevated. At this level, it is back to pre-crisis level and “is more aligned with the stronger state of the economy”, according to the bank.

Globally, the European Central Bank (ECB) has also increased its interest rate by 25 bps as it continues to fight a surge in consumer prices, with rates now at “levels not seen since November 2008”. The Reserve Bank of Australia (RBA) delivered a 25bps hike and the US Federal Reserve (Fed) delivered a 25bps hike.

Raiz is about helping you save & invest more – being
able to save 5% of your salary is better
 than earning 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).

Do you know?

Monetary Policy vs Fiscal Policy

Monetary Policy
 is changing the interest rate and money supply. Set by Central Bank.

Fiscal Policy
 is changing the tax rate and level of government spending. Set by the Government.

Don’t have the Raiz App?

Download it for free in the App store:

Important Information

The information on this website is general advice only. This means it does not consider any person’s investment objectives, financial situation or investment needs. If you are an investor, you should consult your licensed adviser before acting on any information contained in this article to fully understand the benefits and risk associated with the Raiz product.

The information on this website is confidential. It must not be reproduced, distributed or disclosed to any other person. The information is based on assumptions or market conditions which change without notice. This will impact the accuracy of the information.

Under no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.


Interesting Investing Statistic – Cold Hard Facts!

Klik sini untuk Bahasa Melayu

Here are some Interesting Investing Statistics for you:

Simple
 investing strategies beat
complex
 ones.

Lesson
: Simple investing strategies can be effective too. Don’t fall for a complex strategy – because it is complex!

If you do not start saving until
45
, you will need to save three times as much as if you start at
25
.

Lesson
: Start early!

Billionaire investor Warren Buffett has admitted that his investment in Tesco is one of the biggest losses in his investment history.

Lesson
: Even best investors in the world made huge losses.

Market crashes are unavoidable

Lesson
: Market crashes are a feature of the financial markets, not a bug. But we can still do very well over the long run, especially with
Ringgit Cost Averaging
 technique.

6.1 million EPF members now having less than RM10,000 in their EPF accounts – of which 3.6 million have less than RM1,000…

Lesson
: Start planning seriously for your retirement.

If you just keep your money in the bank’s savings account, technically you are losing it to inflation. RM150,000, 30 years ago can buy you a double storey house, but you hardly can find one now with that price.

Lesson
: Save and invest your money!

Don’t have the Raiz App?

Download it for free in the App store:

Important Information

The information on this website is general advice only. This means it does not consider any person’s investment objectives, financial situation or investment needs. If you are an investor, you should consult your licensed adviser before acting on any information contained in this article to fully understand the benefits and risk associated with the Raiz product.

The information on this website is confidential. It must not be reproduced, distributed or disclosed to any other person. The information is based on assumptions or market conditions which change without notice. This will impact the accuracy of the information.

Under no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.


Invest Some Time in Setting a Goal!

Invest Some Time in Setting a Goal!

Imagine you are driving –
y
ou have control in the journey, but now and then you
encounter something that either speeds it up or slows it down. Imagine you are driving aimlessly
…
 with no
purpose
 and no sense of direction. How are you meant to know where to go if you have no plan and no route?

It’s the same with investing
!
 You can invest without a plan, without discipline, but how do you really know how, when and where to allocate your investments?

Setting your own goals is an important step for any investor, whether new or reasonably experienced. By planning and
setting
 a goal
, you know the allocation of money that you wish to invest and the speed at you wish to get rewarded. This may also influence the type of investment products you choose.

For example, if someone wants to buy a house and needs to pay for a 10% deposit, they are more
likely

need
ed
 to allocate a larger chunk of
their

monthly

income

to saving and investing than someone who is looking to buy a PS5.

The Raiz app can help you to invest with a plan. Recurring Investments and Savings Goals make it easy to automatically add money to your Raiz account on a consistent basis, helping you stay disciplined with your investing and reach your goal.

How do I set a goal in the Raiz app?

Y
ou can get it done through the ‘Invest’ section of the app.

Y
ou can
choose to create a savings goal, allowing you to pick something to save for and track your progress in reaching a target balance. Saving for a
ny
 motivational purpose, whether it be a house, a holiday, or an emergency saving – because you never want to repeat a situation when you need cash and did not have it.

To create a savings goal, tap on the savings goal switch at the top of the screen
.
It’s that easy!

T
h
en
to
set up a recurring investment just select the amount of money you wish to invest regularly, and then choose a period that suits you – whether that’s on a daily, weekly or monthly basis.

It doesn’t have to be a large amount; investing even small amounts frequently can help you make progress towards your goals.

Remember, it’s never too late to start. The best time to invest was yesterday, the second-best time is now!

Don’t have the Raiz App?

Download it for free in the App store:

Important Information

The information on this website is general advice only. This means it does not consider any person’s investment objectives, financial situation or investment needs. If you are an investor, you should consult your licensed adviser before acting on any information contained in this article to fully understand the benefits and risk associated with the Raiz product.

The information on this website is confidential. It must not be reproduced, distributed or disclosed to any other person. The information is based on assumptions or market conditions which change without notice. This will impact the accuracy of the information.

Under no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.

The past return performance of the Raiz product should not be relied on for deciding to invest in Raiz and is not a good predictor of future performance.

The advertisement has not been reviewed by the SC.


Investing in Raiz Portfolio – Is it Shariah-compliant?

Klik sini untuk Bahasa Melayu

31 May 2020 (UPDATED 09 Mar 2022)

by Aidi Izham, CFP®, MIFP

All Raiz investment portfolios are investing in unit trust funds.

For Custom Portfolio, the funds are;

Aberdeen Standard Islamic World Equity Fund

UOB United-i Global Balanced Fund

UOB United-i ESG Series – High Quality Sukuk

Affin Hwang Shariah Gold Tracker Fund

Affin Hwang Aiiman Money Market Fund

And they are all Shariah-compliant funds.

For Aggressive, Moderate and Conservative portfolios, the funds are;

ASN Equity 3 Fund

ASN Imbang 2 Fund

ASN Sara 1 Fund

They are managed by Amanah Saham Nasional Berhad (ASNB), a wholly-owned subsidiary company of Permodalan Nasional Berhad (PNB).

The ASNB funds above have invited two views; FIRST, from the Securities Commission Malaysia (SC), the statutory body that is responsible to regulate and develop the Malaysian capital market — the funds are NOT considered compliant.

Why?

Mainly because PNB’s strategic investment in banking stocks, considered a Shariah non-compliant financial services stock. For SC to say a fund is compliant, they look at the business activity benchmarks and financial ratio benchmarks, while at the same time account for qualitative aspect which involves public perception or image of the company’s activities.

However, the SECOND view coming from the Islamic local councils in Malaysia, both at state (Jawatankuasa Fatwa Negeri) and federal level (Jawatankuasa Fatwa Majlis Kebangsaan) —
the funds are “
harus
”
, for these obvious reasons;

PNB’s mandate is to enrich the lives of the Bumiputeras, which majority are Muslims. PNB has some 14 million unitholders, of which about 80% are Bumi.

PNB does not invest in “haram” shares” such as alcohol, gambling or tobacco stocks.

There are limited number of Shariah-compliant equity instruments on Bursa Malaysia considering how much money PNB has to invest — PNB has RM312 billion to invest, but Shariah-compliant securities on Bursa Malaysia is only RM1.1 trillion (as at 31 Dec 2019).

If PNB pulls out its share from the banking stocks – especially Maybank (KLSE: Maybank) where it owns majority of the shares – that would have a major negative economic impact on Bumi Muslims.

If PNB did not have majority shares in Maybank, for instance, it will lessen the acceleration of Islamic finance in the country. Maybank Islamic is the largest Islamic banking group in Malaysia and ASEAN by assets.

Therefore, for the above obvious reasons, after considering and prioritising wider public interest (maslahah), keeping the investment in Maybank is regarded as an essential (
dharuriyyah
) – hence the ruling “
harus
”.

In conclusion;

From the SC – the funds are not Shariah-compliant.

From the Jawatankuasa Fatwa – the funds are “
harus
”.

There is no force if one wishes to invest or, indeed, to not invest at all. That’s why the principles of needs (
hajiyyah
) provide a certain flexibility and freedom (although not absolute) for the individual to choose.

Wallahuaklam
.

Source:

Bursa Malaysia, FAST BNM

PNB Annual Report 2019

www.asnb.com.my

www.pnb.com.my

Don’t have the Raiz App?

Download it for free in the App store:

Important Information

The information on this website is general advice only. This means it does not consider any person’s investment objectives, financial situation or investment needs. If you are an investor, you should consult your licensed adviser before acting on any information contained in this article to fully understand the benefits and risk associated with the Raiz product.

The information on this website is confidential. It must not be reproduced, distributed or disclosed to any other person. The information is based on assumptions or market conditions which change without notice. This will impact the accuracy of the information.

Under no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.

The past return performance of the Raiz product should not be relied on for deciding to invest in Raiz and is not a good predictor of future performance.

The advertisement has not been reviewed by the SC.


Investing is a Marathon, not a Sprint

Investing is a Marathon, not a Sprint

Any marathon runner will tell you:
D
on’t think about all 42 kilometres at once
 –
t
hat would be too overwhelming. Instead, picture the race in
shorter

phases: 5km, 10km, or even one kilometre at a time.

This same philosophy can be
applied
 when saving for your
retirement
 life, especially when it’s still decades away. While the idea of saving a
huge amount
 of money to retire comfortably may feel
quite
impossible, investing just RM150 or so per month in your 20s or 30s seems much more reasonable — and that still may get you to your desired savings goal by retirement age, provided you’re disciplined, start early, and hit your “splits,” as runners would say.

For the sake of simplicity, let’s set aside inflation, fees, taxes and dividends. Yes, those things are important, but it’s more important that you just get started, save regularly, and experience the power of compounding returns.

Here’s what this example could look like, assuming market returns of
7
% p.a.
*
*:

**Return estimated for the sake of simplicity as past performance is no indication of future performance.

Due to the power of compounding, if you were to invest RM1,000 every year for 30 years, assuming average returns of 7% p.a.
,
 that investment could grow to be worth RM94,461. That’s a total return of RM64,461.**

Okay, take a deep breath. We’re going to walk you through these
targets and
 explain why they’re more reachable than you might think — and why, if you’ve hit 30 and haven’t saved that much, it’s not too late.

The first thing you’ll probably notice about this chart is that the growth in your money exponentially increases as time goes on. This is due to the power of compounding returns. You’ve probably heard about compounding before and understanding this concept can be super valuable for your finances. It’s often described as
profit
on
profit
, which means that if your money grows by
7
% in a year, and you don’t withdraw any of that money, the next
7
% you earn will be a larger Ringgit increase since it is growing from a larger base than the first year. This goes on and on, giving your money the potential to grow at an exponential rate, which explains the growth in our chart above.

The human brain is not good at estimating exponential growth, so a useful rule of thumb you can use is the
rule of 72
. This is a rough calculation of
how many years
 it takes to
double
your money
; just divide 72
by the
rate of return
. That is 72/
7
 = about 10 years
to double.

With a disciplined and regular saving/investing strategy, it is entirely possible to start a humble retirement account in your 20s and 30s and still be on target to retire with a decent nest egg. You just have to hit your splits.

It is important to keep in mind that although
7
% p.a. is a reasonable estimate for
investment
 returns over the long term, it is by no means a guarantee. All investments carry risk, and it’s impossible to know the actual return you will make on your investments in the future.

Another thing to keep in mind about your contributions: As you get older, you’re likely to increase your income, so it wouldn’t be unrealistic to increase your monthly RM150 to something more substantial, adding more fuel to your marathon and potentially boosting your final retirement fund.

You can think about saving for retirement just like you would if training for a marathon. Instead of just waking up one day and trying to sprint 42km, you need to train, and start working on your financial fitness. With our
Round-Ups and automatic investing features
, you can hit your splits whilst living your everyday life.

There’s no denying the power of regular savings, time and compounding. A journey of a marathon begins with the first step. A journey to RM1 million begins with your first RM100 investment.

Don’t have the Raiz App?

Download it for free in the App store:

Important Information

The information on this website is general advice only. This means it does not consider any person’s investment objectives, financial situation or investment needs. If you are an investor, you should consult your licensed adviser before acting on any information contained in this article to fully understand the benefits and risk associated with the Raiz product.

The information on this website is confidential. It must not be reproduced, distributed or disclosed to any other person. The information is based on assumptions or market conditions which change without notice. This will impact the accuracy of the information.

Under no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.

The past return performance of the Raiz product should not be relied on for deciding to invest in Raiz and is not a good predictor of future performance.

The advertisement has not been reviewed by the SC.


Investing is Easy with Raiz

Investing is Easy with Raiz

We have all made changes to our everyday lives out of necessity or choice because of the COVID-19 pandemic. It has touched everyone of us, affecting where and indeed if we are working, how we connect and stay in touch with our families and friends, how we exercise, and how we shop.

However, when it comes to finances, COVID-19 has affected people very differently.

There has been a growing number of unemployed. The tourism, hospitality and retail sectors have been particularly hard hit, and are industries that traditionally have a higher proportion of millennials and females in their workforce, who are needing to draw down on typically minimal savings to meet their everyday financial obligations.

Many families have been fortunate enough to have the same income as before, yet the restrictions enforced upon them have reduced their expenditure, meaning more disposable income and an opportunity to pay down debt and increase savings.

Meanwhile, some fortunate individuals are financially better off in terms of income than before the virus due to the various Government stimulus payments they have received over recent months.

The effects of COVID-19 have also been felt on the financial markets. So, it is hardly surprising that many people are now taking a moment to assess their current financial situation and work out their financial strategy for the months ahead.

In times of difficulty, it is tempting to change your strategy.

So, what is the right move when it comes to investing through the current market fluctuations? Well, there is no right or wrong answer. It’s all down to what is right for you, your own circumstances, and more importantly what you feel comfortable with.

The thing to keep in mind is that whatever you decide, the Raiz app makes it incredibly easy and inexpensive for you to implement buy and sell decisions and supports you in achieving your investment goals.

How to make an investment into the market with Raiz

Once you have your account set up and verified, there are 3 easy ways to invest;

1. Round-Ups

A “round-up” allows investments to happen automatically, in the background of your life. Round-ups is the virtual spare change captured from rounding up your transaction to the nearest Ringgit. When you purchase using your bank cards that you have linked, we will round-up that transaction and invest the spare change automatically.

For example, you buy a coffee for RM9.60. Raiz will invest the 40 cents for you. Easy!

2. One-Time Investment

You can invest a single lump sum into your Raiz account at any time. Simply click on
Invest > Deposit
 from the
Home

screen. You can use the ‘quick amount’ buttons, or enter your amount, then confirm your investment.

3. Recurring Investment

You can easily automate regular investments using the Raiz app. From the
Home

screen, click on
Invest > Recurring
. Simply choose your investment amount, select a frequency (daily, weekly,
fortnightly
 or monthly), and when you want the investment to start.

You can also set an optional Savings Goal if you are saving towards something specific and want help tracking your progress!

Regardless of whether you use
Round-up
,

One-Time
 or
,
Recurring

to make your investment, so long as the investment request is made within the app before our daily cut-off time (approx. 11pm Malaysia Time, Mon-
Sun
), then funds will be taken from your linked Funding Account the same business day.

We invest your money
in the next business
 day after it has been taken from your Funding Account
,

which is when your ‘buy’ price is locked in.

Once we have confirmation that
units

have been successfully purchased on your behalf, your Raiz balance will
be updated to
 include the new investment.

How to withdraw your investment

You can withdraw either all or part of your investment from Raiz easily, at any time, with no penalty.

While you can create a withdrawal request 24/7 within the Raiz App, we can only action the sale of the investment
 on the next business day

which is when your ‘sell’ is locked in.

To make a withdrawal, from within the app is easy, simply click on
Invest > Withdraw
 from the

Home

screen, enter the amount you wish to withdraw, and confirm.

When you sell shares
/units

a settlement transfer of two business days which means that the funds take two days after the sale to be released and received by Raiz.

When we receive the funds
after the two-day settlement period, we transfer the funds back to your bank account as soon as possible, so while the maximum wait time is up to 5 business days, it can usually take 3 or 4 (not including public holidays and weekends).

Don’t have the Raiz App?

Download it for free in the App store:

Important Information

The information on this website is general advice only. This means it does not consider any person’s investment objectives, financial situation or investment needs. If you are an investor, you should consult your licensed adviser before acting on any information contained in this article to fully understand the benefits and risk associated with the Raiz product.

The information on this website is confidential. It must not be reproduced, distributed or disclosed to any other person. The information is based on assumptions or market conditions which change without notice. This will impact the accuracy of the information.

Under no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.

The past return performance of the Raiz product should not be relied on for deciding to invest in Raiz and is not a good predictor of future performance.

The advertisement has not been reviewed by the SC.


“Is it safe investing with Raiz?” Read here.

Klik sini untuk Bahasa Melayu

05-10-2021

It’s completely normal and everyone have the right to ask this question!

With Raiz, not only you can have the access to investment and financial education, but we want to make sure you have that confidence and feel safe in this exciting investment journey with us!

But before that, you need to understand about investing in general.

Investing in general.

Investing is a way to potentially increase the amount of money you have. The goal is to buy assets, and hopefully sell them at a higher price. Assets are things like stocks, properties, unit trust funds, gold etc.

For example, you have bought 1g of gold for RM230. 1 week later, the price is RM210 per gram – so you are at loss. But after a month, the price goes up to RM250 per gram and you sold it. Now you have made RM20 profit. Congrats!

So your investment could go up and down every day – depending on the market movement. That is
market risk
.

Raiz is Licensed by the Securities Commission Malaysia (License eCMSL/A0363/2020)

You can check it
here
.

Malaysian investors who deal with licensed entities are protected under Malaysian securities laws. They are also protected from various risks, including
fraud and money laundering
, and have access to legal recourse in the event of a dispute.

Raiz Does Not Keep Your Money

It is Held in Custody by Our Custodian. Your money is safeguarded by our custodian bank, CIMB Bank, which is maintained in trust account. CIMB Bank is a member of the CIMB Group Holdings Berhad (“CIMB”), a listed entity in the Bursa Malaysia Stock Exchange. CIMB is a respected financial services provider.

In a very unlikely
bankruptcy
 event, your money can’t be touched by us as it belongs to you. The Custodian will still hold them so that your money is safely returned to you.

Do You Know Raiz Contribute to CMC Fund Annually?

Capital Market Compensation Fund (“CMC Fund”) is managed and administered by Capital Market Compensation Fund Corporation which was established through amendments made to the Capital Markets and Services Act 2007.

You are eligible to claim from CMC Fund in a very unlikely event we fail to pay amounts owing to you due to fraud, defalcation or mis-selling which had led us to become financially insolvent.

An individual investor may claim up to RM100,000.

Refer
here
 for more info.

Happy investing!

Don’t have the Raiz App?

Download it for free in the App store:

Important Information

The information on this website is general advice only. This means it does not consider any person’s investment objectives, financial situation or investment needs. If you are an investor, you should consult your licensed adviser before acting on any information contained in this article to fully understand the benefits and risk associated with the Raiz product.

The information on this website is confidential. It must not be reproduced, distributed or disclosed to any other person. The information is based on assumptions or market conditions which change without notice. This will impact the accuracy of the information.

Under no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.


Job Seekers Beware: Shielding Yourself from Employment Scams in Malaysia

What is Employment Scam?

A fraudulent schemes or deceptive practices that targets job seekers. Employment scam of often involve fake online job ads in social platforms and untrusted job portals offering high paying jobs.

These scams involve scammers posing as employers, recruitment agencies, or job portals to lure victims into providing personal information, money, or performing certain tasks under false pretenses.

Some examples of Employment Scam that you should be aware of.

Fake Job Offers – Fake job postings on online job portals or social media platforms, offering attractive positions with high salaries and benefits. May use names of reputable companies.

Advance Fee Scams –Requesting job seekers to pay an upfront fee for processing job applications, training materials or other services relate to the job. After receiving the payment, the scammers will disappear without any trace.

Work from Home Scams – Scammers offer work from home opportunities that promise easy money but involve task that are either non-existent or involve in illegal activities.

Overseas Job Scams – Scammers will generally use social media platforms such as Facebook or Instagram to advertise high paying jobs overseas. Once victim is hooked, they will be required to travel oversea. They will be held against their will and be taught and forced to scam other victims.

Tips to avoid being scammed:

Research the company – Always do your research when doing job seeking, verify the legitimacy of the employer or recruitment agency by checking their website, company information, and contact details.

Avoid Upfront Fees – Never accept or pay any job that requires you to pay an upfront fees

Be sceptical for High paying job Ads – Always be suspicious for high paying job ads that requires minimum or no experience and qualification to start, these are very likely to be employment scam.

Use trusted job portals – Only use trusted job portals for your job seeking such as JobStreet or LinkedIn.

Be wary of unsolicited offers – Be cautious of unsolicited job offers via SMS, email, social media, or phone calls.

What to do if you have been scammed

Contact your bank or National Scam Response Center (NSRC) at 997

Lodge a police report – Head to your nearest police station and lodge police report even after contacting your bank or NSRC.

Stay vigilant Malaysian! By staying informed, cautious, and reporting any suspicious activities to authorities, we can protect ourselves and our fellow Malaysians from falling victims to scams. No matter how small the effort, let’s strive to a scam-free society.

Don’t have the Raiz App?

Download it for free in the App store:

Important Information

The information on this website is general advice only. This means it does not consider any person’s investment objectives, financial situation or investment needs. If you are an investor, you should consult your licensed adviser before acting on any information contained in this article to fully understand the benefits and risk associated with the Raiz product.

The information on this website is confidential. It must not be reproduced, distributed or disclosed to any other person. The information is based on assumptions or market conditions which change without notice. This will impact the accuracy of the information.

Under no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.


Berwakaf bersama Raiz – sambil dapat hadiah tunai – PASTI – dari kami!

Bukan 1%, bukan 2%, tapi
3%
 HADIAH TUNAI!
 🤩

Kini anda boleh berwakaf melalui Raiz! Terima hadiah tunai sebanyak
1%

3%
apabila anda berkongsi rezeki anda dengan berwakaf. Hanya pada bulan Ogos 2023.

Anda melabur untuk Akhirat anda, kami melabur untuk Dunia anda. 😊

Jom berwakaf!

Bagaimana cara untuk berwakaf melalui Raiz? Senang je.

Log masuk ke aplikasi Raiz anda dan pergi ke bahagian Raiz Rewards.

Cari “Wakaf/Zakat”.

Klik “Pay Wakaf/Zakat Now” dan pilih “Wakaf Tunai (Am)”.

Bayar seperti biasa.

*Akan masuk terus ke akaun Raiz anda sepantas esoknya. Pembayaran dibuat dari akaun bank anda, bukan dari akaun Raiz anda.

Kempen ini berlangsung hanya pada sepanjang bulan Ogos 2023.

Klik
sini
 untuk soalan lazim dan layari juga
www.raiz.com.my
 untuk maklumat lanjut tentang Raiz.

Maklumat
Penting

Maklumat di
laman
web
ini
adalah
nasihat
umum
sahaja
.
Ini
bermakna
ia
tidak
mempertimbangkan
objektif
pelaburan
,
keadaan
kewangan
atau
keperluan
pelaburan
seseorang
.

Sekiranya
anda
seorang
pelabur
,
anda
harus
berjumpa
dengan
penasihat
berlesen
anda
sebelum
menggunakan a
pa-apa
maklumat
yang
terdapat
dalam
artikel
ini
untuk
memahami
sepenuhnya
manfaat
dan
risiko
yang
berkaitan
dengan
produk
Raiz.

Maklumat di
laman
web
ini
adalah
sulit
.
Ia
tidak
boleh
diterbitkan
semula
,
diedarkan
atau
didedahkan
kepada
orang lain. Maklumat
tersebut
berdasarkan
andaian
atau
keadaan
pasaran
yang
berubah
tanpa
n
otis
.
Ini
akan
mempengaruhi
ketepatan
maklumat
.

Dalam
apa
jua
keadaan
maklumat
yang
akan
digunakan
oleh,
atau
disampaikan
kepada
,
seseorang
untuk
tujuan
membuat
keputusan
mengenai
pelaburan
di Raiz, p
restasi
pulangan
masa
lalu
produk
Raiz
tidak
boleh
di
jadikan
panduan
s
emasa
membuat
keputusan
untuk
melabur
dalam
Raiz dan
bukan
peramal
prestasi
masa
depan
yang
baik
.

Iklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).