TIGA perkara yang anda perlu tahu minggu ini (minggu berakhir 22/08/2023)

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Kami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:

Bursa Malaysia mencatatkan sejumlah RM1.4 bilion dalam aliran masuk pelaburan asing pada Julai tahun ini
 selepas ia mencatatkan aliran keluar pelaburan asing sebanyak RM4.2 bilion bagi separuh pertama 2023.

Saham perbankan Malaysia dapat dilihat mengalami kenaikan harga saham kerana mereka biasanya akan menjadi yang pertama menerima manfaat kesan daripada kemasukan pelaburan asing.

Cukai Barangan dan Perkhidmatan (GST) Singapura akan naik
 sebanyak 1% mulai 1 Jan tahun depan.

Ini adalah yang kedua daripada kenaikan dua-langkah, yang akan menyaksikan kenaikan kadar kepada 9% pada tahun 2024 daripada 8% semasa tahun 2023 (dan 7% pada tahun 2022).

Dana Kekayaan Berdaulat (atau Sovereign Wealth Fund) Norway memperoleh keuntungan kira-kira USD143 bilion
 untuk separuh pertama tahun ini – sebahagiannya disebabkan oleh pertumbuhan syarikat teknologi AS dan pembangunan AI.

Pegangannya sebanyak USD1.4 trilion dalam syarikat teknologi melonjak hampir 39% dalam tempoh tersebut, dengan Apple, Microsoft dan Nvidia adalah saham yang paling banyak menyumbang dan membantu memacu pulangan keseluruhan 10% dana tersebut.

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? Edisi MERDEKA

Ringgit

Pada zaman penjajahan Portugis dahulu, jenis wang yang banyak diedarkan adalah dolar perak Sepanyol. Tepi yang berlekuk-lekuk dan tidak sekata dari syiling tersebut adalah ciri khas wang ini, oleh itu orang Melayu pada masa itu merujuk kepada mereka sebagai “ringgit”, yang bermaksud “yang berlekuk-lekuk”. Sekarang perkataan itu secara eksklusif digunakan untuk merujuk kepada mata wang Malaysia.

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).


TIGA perkara yang anda perlu tahu minggu ini. (minggu berakhir 11/4/2023)

Click here for English

Kami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:

TIGA perkara yang anda perlu tahu minggu ini;

Bursa Malaysia ditutup bercampur-campur semalam
, bergerak dalam julat yang kecil, seiring dengan bursa serantau seperti Nikkei Jepun, Kospi Korea Selatan, Indeks Straits Times Singapura dan Indeks Komposit SSE China. Perubahan dinamik dalam pasaran ini, kini menjadi norma baharu.

Kadar pengangguran di Malaysia bertambah baik
 kepada 3.5% pada Februari 2023 dengan 591,900 orang menganggur berbanding 596,100 orang pada Januari, sejajar dengan perkembangan ekonomi semasa – DOSM.

UMW menang kontrak RM1 bilion daripada Rolls-Royce
.

Ini adalah kontrak kedua daripada syarikat aeroangkasa Britain itu untuk mengeluarkan komponen enjin pesawat yang dihasilkan oleh Rolls-Royce.

Saham UMW ditutup tidak berubah pada RM3.82 semalam, memberikan kumpulan itu nilai pasaran sebanyak RM4.46 bilion.

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?

Emas pernah mencecah harga tertinggi sebanyak USD 2,075 pada Ogos 2020.

Sumber: Refinitiv

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).


Timing the Market vs Time in the Market

Timing the Market vs Time in the Market

You may or may not have heard the saying, “It’s not about
timing the market
, but
time in the market
.” But what exactly does this mean?

Some investors may tend to place a short-term focus on how their investments are performing. They’ll frequently track how their investments are going, get excited when it goes up, and then, if it falls, they’ll become carried away with emotion and stressed by the short-term loss.

But what about the long-term picture? Over time stocks tend to go through periods of growth and decline – this is normal. Therefore, selling off stocks after a short period of decline, rather than focusing on the long-term goal can be a strategy that doesn’t add value, given it is likely that shares will likely rise in a longer run.

Just as hard as it is to predict the downturns, it is also hard to predict when stocks will turn around and rally. This is known as
timing the market
 – picking the tops and bottoms.

A more long-term strategy is to utilise the advantages of
time in the market
 – that is, the longer you are in the market, the more likely you are to see a healthier return.

The first step is to have the right portfolio for you
. If you are likely to withdraw your money when the market declines, you should probably be in Moderate or Conservative portfolio. This way, a stock market decline should have a less emotional impact on you, and you will be more likely to remain disciplined with your strategy when markets decline.

If your savings goal is short-term (less than three years) a Conservative portfolio is also probably best.

The Aggressive portfolio is for those with long-term saving goals and the ability to remain calm and disciplined during market downturns.

Having the right portfolio is an important step in avoiding the emotional traps that can cause you to make foolish decisions.

The second step is to have a discipline
. At Raiz, our philosophy is to invest small amounts regularly, regardless of market situation. Because this will help you to manage market uncertainty. This is a well-known investment strategy, known as
Ringgit Cost Averaging
.

Raiz automates this strategy and you can make it practical by setting up the
recurring investment
 feature. By automating the process, your investing strategy can also be protected against those short-term emotions.

Another benefit of staying long term in the market is from
compounding
. This is when an investments’ dividend are being reinvested – and generating additional dividend over time. Reinvesting dividends into buying more shares can increase returns due to the power of compounding. So, the longer you spend in the market, the more dividends you are likely to receive, which are reinvested into more and more shares over time.

It is not easy when it is your money. We all experience the emotional highs and lows that come with investing. However, by maintaining a disciplined, automated approach, and having the right portfolio, you can avoid short term stress and take advantage of Ringgit Cost Averaging and compound returns over time.

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.


Tomayto, tomahto? 🍅 (minggu berakhir 11/07/2023)

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Kami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:

Krisis tomato di India.

Harga tomato telah melonjak lebih daripada 400% dalam beberapa minggu lalu ketika negara itu menghadapi kekurangan bekalan di seluruh negara kerana cuaca yang tidak menentu.

Ia kini lebih mahal daripada petrol. Di New Delhi minggu lepas, harganya ialah 120 Rupee India (AS$1.45 atau RM6.67) sekilogram, berbanding 96 rupee se-liter petrol – menjadikan tomato semakin susah untuk dibeli oleh purata isi rumah berpendapatan rendah yang biasa membayar 20 rupee sekilo.

Tomato dan bawang begitu “beremosi” di negara paling ramai penduduk di dunia itu sehingga lonjakan harga boleh mencetuskan protes. Beberapa parti politik pemerintah di India kalah dalam pilihan raya kerana mereka gagal mengawal harga bawang, yang bersama dengan tomato adalah elemen penting dalam hidangan utama.

Di cawangan McDonald’s di seluruh India utara, timur dan selatan, notis telah diletak untuk mengatakan bahawa tomato tidak lagi akan dihidangkan bersama burger buat sementara waktu.

Peniaga memberi amaran harga boleh mencecah paras tertinggi 200 rupee sekilo dalam beberapa hari akan datang dan ia mungkin mengambil masa sehingga tiga bulan untuk harga kembali normal.

Inflasi makanan di India mungkin meningkat kepada 4% tahun ke tahun pada bulan Jun, kata Ahli Ekonomi Bloomberg Abhishek Gupta dalam satu laporan.

Itulah kuasa tomato.

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?

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

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

Beli rendah, jual tinggi – begitulah anda membuat keuntungan!

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).


Tomayto, tomahto? 🍅 (weekly ended 11/07/2023)

Klik sini untuk Bahasa Melayu

Sharing some Investing and Economic insights:

Tomato crisis in India.

Prices of tomatoes have soared by more than 400% in recent weeks as the country is facing a nationwide shortage due to irregular weather.

It is now more expensive than petrol. In New Delhi last week, tomatoes were 120 Indian Rupees (US$1.45 or RM6.67) per kg, compared with 96 rupees per litre of petrol – making them largely unaffordable for an average low-income household who used to pay 20 rupees per kilo.

Tomatoes and onions are so emotive in the world’s most-populous nation that a surge in prices can trigger protests. Some ruling political parties in India lost elections because they fail to control the price of onions, which along with tomatoes are an essential element of mainstay dishes.

In branches of McDonald’s across north, east and south India, notices were put up to say that tomatoes would no longer be put in burgers temporarily.

Traders have warned prices could hit record highs of 200 rupees per kilo in the next few days and that it could take up to three months for prices to normalise.

Food inflation in India probably increased to 4% year-on-year in June, Bloomberg Economist Abhishek Gupta said in a report.

That’s the power of tomato.

Raiz is about helping you save & invest more – being
able to save 5% of your salary every month 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?

When you “invest”, you buy units of stock. The price per unit moves up and down according to the current stock market movement.

When you make a “withdrawal”, you’re selling your units.

Buy low, sell high – that’s how you make a profit!

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.


Tumpuan kepada Bursa Malaysia 👀 (minggu berakhir 11/10/2022)

Click here for English

Kami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:

Dengan pembubaran Parlimen secara rasmi, ini membuka jalan kepada Pilihan Raya Umum ke-15 (PRU15) yang dinanti-nantikan. Semua mata kini tertumpu kepada Bursa Malaysia.

Sesetengah penganalisis menjangkakan reaksi negatif daripada pasaran dalam jangka pendek – mungkin minggu ini – tetapi berkata pembubaran Parlimen semalam adalah baik untuk menghapuskan ketidaktentuan politik yang dialami pelabur.

Walaupun ketidaktentuan politik ini boleh berterusan sekurang-kurangnya sehingga pilihan raya selesai, ini mungkin peluang untuk melihat saham yang dinilai rendah dalam sektor seperti pembinaan, minyak & gas, perladangan, hartanah dan pengangkutan.

Ketegangan geopolitik memburukkan lagi ketidakpastian pasaran ketika pelabur menunggu untuk melihat bagaimana Rusia bakal bertindak balas terhadap letupan yang melanda satu-satunya jambatan dari Rusia ke Crimea di selatan Ukraine.

Rusia telah menggunakan jambatan itu untuk mengangkut peralatan ketenteraan dan orang dari Rusia ke medan perang di selatan Ukraine.

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?

AS adalah pengguna terbesar  minyak & gas. Ke-2 ialah China.

Arab Saudi adalah pengeksport terbesar minyak & gas.

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).


Understanding Your Net Worth

Understanding Your Net Worth

Have you ever calculated your current financial position? Where is the best place to start? A common way to understand this is by estimating your net worth.

What is Net Worth?

Your net worth is an indication on how well off you are financially. If your assets (things you own) are worth more than your liabilities (things you owe), your net worth is positive, which means you have more than you owe. This is generally considered a good thing. However, if your liabilities are higher than your assets, your net worth is negative, indicating that you owe more than you own.

Why is your Net Worth important?

Your net worth helps you in understanding your
current financial situation
to better plan your finances. It provides a measure of your progress in accumulating financial wealth and the progress you’re making toward paying off your debt.

By understanding your net worth, you can get a bigger picture of making better financial decisions, tracking your progress, and working towards building long-term wealth and financial security.

How to calculate your net worth?

Your net worth is a total of all
your assets minus your liabilities.
In the below, we will use an example to calculate Ali’s net worth. Firstly, we will take a look at Ali’s assets.

Assets
 – when you add up the value of everything you
own
 (such as your house and the cash in your bank account).

Example:

Ali has RM10,200 cash in ASB.

Ali has a house valued at RM360,000.

Ali has a 3-year old Myvi car, and if he were to sell it now, he will get RM20,000.

So, Ali’s total assets are RM390,200.

Next, we will look at Ali’s liabilities.

Liabilities
 – when you add up the value of all your
debts
 (such as your house loan, car loan or credit card balances).

Example:

Ali’s house still has bank loan balance of RM200,000 to settle.

Ali has a 3-year old Myvi car that still has bank loan balance of RM34,000 to settle.

Ali has RM2,000 credit card balance.

So, Ali’s total liabilities are RM236,000.

Net Worth = Assets – Liabilities.

So, Ali’s
net worth
is RM390,200 – RM236,000 =
+RM154,200
.

Theoretically, your net worth is the cash you would have if you were to sell everything you own and paid off all your debts. A negative net worth is an indication that you have more debts than your assets.

In summary, calculating your net worth is essential because it provides a comprehensive snapshot of your financial standing. By assessing your assets and liabilities, net worth enables you to set meaningful financial goals and make informed decisions about saving, investing, and borrowing. Like market conditions, your net worth will change throughout your life so it’s important to keep track and reassess if you are still working towards your saving goals.

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.


Understanding your Raiz Statements

Understanding your Raiz Statements

Klik sini untuk Bahasa Melayu

10-02-2021

With Raiz, you can easily access and download PDFs of your statements.

Raiz automatically provides you with monthly account statements as PDF statements. To access these, go to My Settings > Statements.

From the Statements screen, you can choose which month you want to download.

What’s on your statement?

Your monthly statement provides a summary of
how

your account did in the period.

At a glance, it shows your opening balance, deposits, withdrawals, dividends, fees and change in account value for the month. Next, you will see all your buy and sell orders for the month, ordered from the start to the end of the period. Towards the end of the statement, you can also find the summary of gain and losses.

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.


Urus Duit Gaji dengan Lebih Baik

Urus Duit Gaji dengan Lebih Baik

Click here for English

Hari gaji! Senyum lebar semua apabila dapat notifikasi beritahu duit gaji dah masuk.

Malang sekali senyuman itu tidak lama apabila anda perlu membayar bil-bil, perbelanjaan rumah, yuran sekolah anak dan sebagainya. Sehinggakan duit seakan tidak cukup apabila sudah tengah bulan. Masa itu la mee Maggi muncul di ingatan.

Persoalannya, bagaimana nak urus duit gaji itu secara lebih sistematik supaya duit yang ada dapat memenuhi semua perbelanjaan dan dapat hidup dengan tenang?

Antara panduan yang boleh digunakan ramai ialah
Peraturan 50/30/20
 dikelaskan kepada tiga:

Keperluan (50%)

Kehendak (30%)

Simpanan & Pelaburan (20%)

Namun pecahan peratusan ini boleh diubah mengikut kesesuaian hidup anda secara keseluruhan.

Keperluan

Ini bahagian yang paling perlu diutamakan kerana melibatkan kelangsungan hidup anda seperti rumah, makanan, pengangkutan, ubat-ubatan dan bil utiliti. Apabila sudah dapat duit gaji, adalah lebih baik jika boleh terus selesaikan bayaran wajib setiap bulan ini. Tetapkan bayaran secara automatik supaya anda tidak terlupa.

Untuk perbelanjaan makanan dan barang rumah, kini lebih mudah untuk anda menilai sendiri harganya. Contohnya, beli barang online secara pukal biasanya lebih murah daripada beli satu-satu dan masak sendiri biasanya lebih murah daripada beli makanan di kedai.

Mudah mudahanan selesai bahagian keperluan ini, hati akan lebih tenang.

Kehendak

Bahagian ini pula melibatkan sesuatu yang anda suka berbelanja tetapi bukan untuk kelangsungan hidup seperti melancong, beli bag tangan ke-3 dan langsir rumah untuk Hari Raya. Kebiasaanya untuk keseronokan setelah penat bekerja. Nak reward diri la katakan.

Jika anda tidak punyai banyak duit untuk bahagian ini, anda boleh menyimpan sikit-sikit setiap bulan untuk dapatkan apa yang anda hajati itu. Untuk ini, Raiz boleh bantu anda melalui fungsi Target Simpanan. Anda hanya set target berapa simpanan bulanan, seterusnya lihat ia berfungsi untuk capai target anda!

Contohnya, anda memerlukan RM500 untuk bercuti bersama keluarga. Anda boleh set RM100 / bulan dan akan capai target simpanan dalam masa 5 bulan.

Simpanan & Pelaburan

Bahagian ini juga penting tetapi sering dilupakan. Duit diperlukan untuk kelangsungan hidup, bukan hanya sekarang tetapi juga untuk masa depan.
Pandemik Covid-19 telah memberikan kesedaran kepada kita bahawa pentingnya tabung kecemasan.
 Supaya anda ada kusyen keselamatan kewangan pada masa hadapan.

Dengan Raiz, anda boleh membuat Auto-labur dengan set pelaburan berkala. Dari skrin utama, klik Labur > Auto-labur. Hanya pilih jumlah dan kekerapan (setiap hari, mingguan atau bulanan), siap!

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).


Want to Save Money? Here are 4 Easy Tips

Saving can be tough in this current environment, but that doesn’t mean you should give up on building a financial back up for you and your loved ones.

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

1. Get on top of your budget

There’s little chance you’ll be able to save much money if you’re not keeping good track of your cash. Therefore, it’s important to create a budget — and stick to it.

When it comes getting your budget started, kick things off by looking at your income and expenses. Once you’ve established your income —your salary and other types of money gains — figure out what you’re spending that money on. This includes fixed costs like rent and food as well as optional spends such as entertainment and non-essential shopping.

2. Cut your expenses where you can

There’s no point in just knowing where you’re spending your money – that’s only half the battle. The key is cutting spending so you can allocate more money to your savings. Although depending on your situation during the current economic environment, it may be a much harder time than usual to do this.

Some common strategies include seeking out better deals on your regular payments — things like phone bills. It could also pay off to switch to cheaper brands of clothing and food or cut down on under-utilised subscription services like Netflix.

3. What about investing?

The Raiz Philosophy is to invest small amounts regularly, even in falling markets as this can help you to ride out the downturns in the market and is one of the keys to having a healthier balance over the long run. This principle is known as
Ringgit Cost Averaging
.

Compounding happens when you let the returns on an investment build up so that you are earning a return on your return. Given enough time to work its magic, it provides the potential to reach a stage in your life where your money is working hard enough to provide a substantial part of your income.

4. Build an emergency fund

Building your savings should be about achieving your financial goals, but don’t forget to also prepare for when times get tough – the current coronavirus pandemic for example. This is where an emergency fund can be super helpful. Click
here
 to learn about the 3 steps to build up your emergency fund.

Depending on your situation, you may need to build a big emergency fund or one that just needs to get you through a few weeks without a regular income.

Whatever you may need money for down the track, it makes sense to prepare for a financial back up in order to soften the unexpected bumps along the road.

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.


Weak ringgit has its strengths (weekly ended 18/10/2022)

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Sharing some Investing and Economic insights:

Ringgit continued its downtrend to close lower against the US dollar today, nearing the all-time low of 4.725 (1 USD = RM4.725) recorded in 7 Jan 1998 as influenced by the strong US dollar.

When the Ringgit falls, it has different impact to different sector. A weaker Ringgit against the currencies of our trading countries would typically result in
more expensive imports
 for Malaysians, and
cheaper exports
 to foreign countries.

The glove and plantation sectors are seen as the winners when the local currency depreciates as demand from abroad increases.

Sunview Group Bhd made its debut on Bursa Malaysia yesterday at 59.5sen, a 105.1% premium to its initial public offering (IPO) price of 29sen.

The clean energy service provider’s listing exercise successfully raised RM34.22mil via the issuance of 118 million new shares (118,000,000 shares x 29sen = RM34.22mil).

The Securities Commission Malaysia (SC) plans to allow the wholesale fund market to gain exposure to alternative assets, such as digital assets.

Wholesale fund is a unit trust scheme generally purchased by sophisticated investors, for example high-net worth individuals and companies.

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?

47% Malaysians find it hard to prepare RM1,000 as an emergency fund!

Source: Bank Negara’s Financial Stability Review – First Half 2022

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.


THREE things you need to know this week (weekly ended 07/03/2023).

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Sharing some Investing and Economic insights:

THREE things you need to know this week;

Bank Negara is expected to keep the interest rates unchanged.
 Bank Negara’s this Thursday monetary policy committee meeting is among the key events this week.

Two industry giants, Tesla and Amazon Web Services (AWS) will invest in Malaysia.

Tesla will open showrooms, services centres and establish a network of charging stations. This will create skilled jobs and increase participation of local companies in the electric vehicle ecosystem.

AWS would be launching a new infrastructure region in Malaysia, confirming that it intends to invest at least RM25.5bil by 2037.

L
embaga Tabung Angkatan Tentera (LTAT)
to take Boustead Holdings Bhd private
. LTAT has made a voluntary takeover offer for the remaining 40.58% shares it doesn’t yet own in Boustead. Based on the number of shares – 822.51 million, or 40.58% of Boustead – LTAT is expected to fork out RM703.25 million for the purchase.

Boustead owns 52% of Pharmaniaga Bhd and 64.99% of Boustead Heavy Industrial Corp Bhd. On top of that, it also owns 57.42% of Boustead Plantation Bhd and 20.93% of Affin Bank Bhd.

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?

What it means to take a company, Private?

It means that a large company purchases all the remaining stocks (on the stock exchange) of a company. The company that goes private is no longer traded on a public stock exchange.

Example:

LTAT currently owns 59.42% of Boustead. The remaining 40.58% shares are traded on the Bursa Malaysia (so the public can buy/sell). LTAT now wants to buy all 40.58% shares of Boustead on Bursa Malaysia so it will own 100%.

Boustead will then be a private company (and no longer a public company).

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 most historic marriage you need to know this week. (weekly ended 21/03/2023).

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Sharing some Investing and Economic insights:

What a week it has been.

The most historic banking marriage since 2008
 between Switzerland’s two big banks. UBS agreed to take over its long-time rival Credit Suisse for USD 3.2 billion – marking the biggest banking deal in years.

p/s from as much as USD 96 billion to just USD 3 billion, this means that UBS got a whopping discount!

Regulators were eager to halt a dangerous decline in confidence in the global banking system
. Swiss authorities had to change the country’s laws as they rushed to finalize the deal. The Swiss government will also provide more than USD 9 billion to support losses that UBS may incur by the takeover. The Swiss National Bank also provided more than USD 100 billion of liquidity to UBS to help facilitate the deal.

The speedy orchestration of this “forced marriage” engineered by the Swiss authorities just shows how bad the situation is.

However,
stocks rallied yesterday
 (after huge drop last week) as investors breathed a sigh of relief that a historic weekend rescue of the financial heavyweight has potentially stopped the banking crisis contagion – for now.

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?

Biggest bank in the world
 is Industrial and Commercial Bank of China (ICBC) with assets of more than USD 5.5 trillion.

2nd is China Construction Bank (USD 4.7 trillion).

Source: 2022 S&P Global Market Intelligence report

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.


Asset Class: What is it?

Asset Class: What is it?

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When you invest in something, that “something” is an asset. Your Raiz investment portfolio (Aggressive / Moderate / Conservative) is investing in these asset classes through unit trust funds.

There are different types of investment assets. Generally, they are (with examples);

1.
Equity

Shares or stocks. Some shares can be bought & sold on the stock exchange like buying & selling on Bursa Malaysia. However, some are “private equity”.

2.
Bonds  (or Sukuk)

You are lending money to the government or a company and you are paid interest on the loan.

3.
Real Estate

Houses, lands, shops, retail malls.

4.
Commodities

Gold, Palm oil, rubber.

5.
Digital Assets

Cryptocurrency (for example Bitcoin, Ethereum).

6.
Cash

Cash, fixed deposit.

7.
Alternative Assets

Paintings, watches.

So which asset classes have you invested in?

Don’t have the Raiz App?

Download it for free from 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.


What is the Stock Exchange, Bursa Malaysia & Mr DIY?

Did you know when you buy shares, you actually become a small owner of the business? While the same processes exist on how to own stock since the establishment of stock exchanges, the advancement in technology has allowed this to become digitized and as easy as accessing this through your mobile phone.

What is a stock exchange?

In simple terms, a stock exchange acts as a market where you can buy and sell ownership in companies, and it helps ensure that trading is fair and transparent. Just like you can go to a regular market to buy groceries, a stock exchange is a place where you can buy and sell “pieces” of a company.

Stocks can be bought and sold on several exchanges. Some well-known stock exchanges, like the New York Stock Exchange and NASDAQ, have physical trading floors where traders used to shout and make deals. But nowadays, most trading is done electronically through computers.

What is Bursa Malaysia?

Like some well-known stock exchanges such as the New York Stock Exchange (NYSE), NASDAQ, London Stock Exchange (LSE) and Tokyo Stock Exchange (TSE), in Malaysia we have
Bursa Malaysia
. Bursa Malaysia plays a crucial role in the Malaysian economy by facilitating the flow of capital and providing a marketplace for companies to raise funds and trade equities. Stocks here can also mean
equities
.

How do companies raise funds?

Stocks first become available on an exchange after a company puts its shares on the exchange; this is called an initial public offering (IPO). For example,
Mr DIY
 Group Bhd conducted its IPO in Oct 2020, putting 941.49 million shares on Bursa Malaysia.

You, as an investor, buy those shares. And then another person offers to buy those shares at a higher amount. This difference is your profit (but if you sell it a lower price, that is your loss).

When you buy these shares, you then become a small
owner
 of Mr DIY😊

How does Raiz help you to become a small owner?

When you invest in Raiz, you are actually investing in mutual funds. A mutual fund is like a big pool of money collected from many different investors. When you invest in a mutual fund, you are buying shares of the fund, which represent your ownership in the pool of money and the investments it holds. Mutual funds offer a way for people to invest in a diversified portfolio even with small amounts of money and become small owners of multiple companies!

To learn more about what is in your Raiz portfolio or how to customize it, you can check it out in the Raiz app
here
 or read more
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.


Why Invest in GOLD?

Why Invest in GOLD?
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31-05-2023

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

Why
GOLD
?

The AHAM Shariah Gold Tracker Fund

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.


Why you should have an emergency fund… and how much.

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Surprises are a part of life. While we can’t control when these happen (just like how we can’t control the stock market), we definitely can manage them – by setting up an Emergency Fund!

Some common uses for an emergency fund include:

Health emergencies

Health emergencies can be costly, and having an emergency fund can help you cover unexpected medical expenses. These might include hospital bills, medicine and other health-related expenses such as the cost of transportation to and from hospitals or home healthcare services.

It’s important to note that an emergency fund is not a replacement for health insurance. It is still very important to have health insurance to protect against the high costs of medical care! However, even with insurance, there may be out-of-pocket costs that an emergency fund can help cover that you might not be aware of.

Home repairs

Unexpected home repairs can be costly. Some examples are plumbing issues such as a burst pipe, blocked drain or toilet problem. Due to these issues usually needing to be addressed urgently, these can be an unexpectedly costly amount.

Car repairs… and summonses!

An emergency fund can help cover unexpected car repairs such as a blown tire or engine problems which usually need to be addressed urgently. You might want to consider also parking fines or road summonses!

Loss of job

Losing your job unexpectedly can be a stressful time, and having an emergency fund can help cover your living expenses, such as rent or housing loan payments, electric bills and other usual monthly bills.

This is to help you bridge the gap until you are able to find a new job and start receiving your salary again.

How much should you save in an Emergency Fund?

It depends on your individual financial situation.
Most experts
 suggest aiming to have enough money in your emergency fund
enough to cover three to six months’ of living expenses
. This vary based on your expenses.

Ultimately, the key is to have enough money set aside to cover your essential expenses in case of an emergency. It’s a good idea to periodically review your emergency fund and adjust the amount as needed to ensure that it is sufficient for your needs.

One way you can build an emergency fund without having to actively think about it is by using Raiz. First, determine your three to six months’ of living expenses, and then set it as your Savings Goal. Name is as Emergency Fund. Set up a recurring investment like RM5 a day and turn on the round-up feature. That is all you need!

That that first step. We are with you. Good luck!

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.


Your Investment – Behind the Scenes

Your Investment – Behind the Scenes

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Ever wonder what happens to your money right after you have made your first deposit? Let’s take a look behind the scenes!

But BEFORE that, let’s be clear that
you can only invest AFTER your account has been verified
. In order to get your account verified, please make sure when you register;

Your IC photo is clear; and

Your bank account number is correct (and it is yours).

Or else, you will see your transaction as “Pending”.

After your account has been verified and you have made your first deposit;

1.
 Your debit card is charged.

At this stage, your money has been taken out from your bank account, but it is still with your bank. It will only reach us the next working day. Your app will tell you that your transaction is “Processing” in the “Past” screen.

2.
 The next working day, your bank will transfer your money to our Custodian in the morning.

The Custodian is responsible to safeguard your money and asset.

3.
 Raiz will then proceed to buy your units.

Note that your transaction status is still “Processing” at this stage.

4.
 Raiz will receive the confirmation that your units have been purchased

We will receive this confirmation the latest on the next working day, though this is usually received on the same day. We will then update it in our system. As soon as we do that, your “Processing” status will disappear – this means that your investment has been confirmed! You will now see your investment account value on the home screen.

Still have some questions about this? Please reach out to us by writing to
[email protected]
.

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.