Set Daily Savings Now during this Puasa Month – Cuba Try!

15-04-2022

Th
is
 month of Ramadhan comes with many blessings. Not only we can
focus on
perform
ing
 our religious duty
, but we also can save a lot of money!

Let’s
 t
hink
about
 our spending for breakfast and lunch for a normal day. If we spend RM
10
 on both occasions, the total is RM
2
0 per day. For
30 days of a
 month, we could save RM
6
00!

That is enough money to celebrate Hari Raya!

But you know, easier
said
than done. Especially we tend to overspend for
berbuka
, right
?

Murtabak
,
ayam

percik
, air
jagung
… Not so easy to avoid buying these yummy food.
..

Something is needed to help us be more disciplined.

Cuba
try

– s
et
minimum RM5 daily
 savings for this month!
Click the button below to start saving for your Hari Raya:

recurring investment

p/s
Y
ou can easily automate the savings using the recurring investments feature. Simply choose your investment amount
 and
 select
the
 frequency (daily, weekly

or monthly)
.

With Raiz, your Hari Raya will be more financially prepared!

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.


Share Stories, Invite Family & Friends, Get RM10 bonus!

As a Raiz investor, you have already begun your investment journey. You have experienced how putting aside the spare change from your everyday purchases and setting up recurring investments can bring you a step closer to better financials.

Well, now there is a way you can share this experience with your family & friends – and get rewarded!

Over the years, many happy investors have joined Raiz through word of mouth. When you join Raiz, you get your referral link, which you can use to invite other people to sign up.

For each friend that you refer who starts investing with Raiz, Raiz will give you a referral bonus of RM10.
Plus, your friend also gets a RM10 bonus, and as you know, every little bit helps especially when first getting started. So, by referring your friends to Raiz, everybody wins!

If you think you have a friend or family member who might like to begin their own investment journey with Raiz, then we have made the process even easier
.

Y
ou can now refer
them
 via your favourite social media channel
,
email
,
 or
just
 from within the app!

There’s no limit to the number of friends you can refer to Raiz, meaning there is no limit on the number of referral bonuses you can earn!

Here’s how simple it is
:

Step 1
:
Make sure you have the latest version of the Raiz app.

Tap on the menu icon in the top left of the Welcome screen and select ‘Invite your friends’ to start referring!

Step 2
:
Share your unique invite link, or QR code with your contacts, or post your referral link to your favourite social media channels!

If you access your Raiz account via web browser instead of the app, you will find the same options available on the left-hand side of the screen.

What happens after I refer my friends?

Your friends will receive your unique referral link which will look something like this:
https://links.raiz.com.my/A2BC

Your friends should use that unique referral link to create their Raiz account.

When will my friend and I receive our referral bonus?

T
he
referral
bonus will
be paid to
you
 and your friend if:

You hold
an active Raiz Investment Account with a balance of
at least
RM5
; and

Your friend whom you refer
makes a deposit and has a balance of at least RM5
.

Once you and your friend have met the conditions above,
you will both receive the RM10 referral bonus automatically into your Raiz account within 3 business days.

For more details, you can also refer to
our

Platform Agreement.

Want to refer your friends?

Get a RM10 bonus for every active referral:

.

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.


What is Raiz Rewards? Shop and get rewarded!

Klik sini untuk Bahasa Melayu

When you make a purchase with our brand partners through Raiz, you will receive a cash bonus (as a reward!) in your Raiz account. That is Raiz Rewards!

How does Raiz Rewards work?

Step 1:
 Go to the ‘Raiz Rewards’ section in the Raiz app.

Step 2:
 Find the brand you’d like to purchase from and click the “Shop Online Here” button. You’ll then be redirected to the brand’s site/app where you must make your purchase without clicking any other external links.

Make sure your browser is not in the incognito/private mode too.

Easy!

Better than loyalty points!

Instead of collecting points which you can redeem later, you can earn a cash reward on eligible purchases by just clicking through our Raiz Rewards links.

We have partnered with several brands (many more to come!) to fund either a percentage or a fixed amount to be invested back into your Raiz account. Raiz Rewards sets a new standard for rewards programs by helping you invest in your future through your purchasing behaviour.

This feature helps you – especially if you like to shop online – to increase your savings, reach your financial goals and develop financial confidence.

Where do Raiz Rewards appear?

The Raiz Reward will appear on the Past screen in the Raiz app. Please note that your Raiz Reward will take longer than you may think to be reflected in the app, after considering each brand’s cancellation/ return/ exchange period. This may take as long as 150 days.

Please refer to each of the individual brand partner’s Terms & Conditions before purchasing to understand the eligibility requirements and when to expect the Raiz Reward deposited into your Raiz account.

Where does the reward come from?

Partnered brands pay us either a percentage or a fixed amount per sale which we use to cashback to you as a reward. Essentially, we use the money to buy shares on your behalf which are invested back into your portfolio.

What brands do we partner with?

We partner with many local & international brands – Shopee, Lazada are some of them — also covering a variety of categories including fashion, food, travel and many more.

We’re also constantly on-boarding new partners, so be sure to check the app and any communications about new partners. This means more opportunities for more rewards into your Raiz account!

Shop and get rewarded now!

Raiz Rewards

Need more details?

Read the FAQ on Raiz Rewards
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.


Shop Smart, Stay Safe: A Guide to Recognizing E-commerce Scams

What is E-Commerce Scam?

E-Commerce scam refers to fraudulent activities or deceptive practices. These scams usually aim to trick or deceive consumers, often resulting in financial losses or the compromise of personal information.

Some examples of E-Commerce Scam you should be aware of.

Non-Delivery Scams – In this type of scam, sellers receive payment from buyers for products but fail to deliver the purchased items, leaving the buyers without their ordered item and losing their money.

Fake Online E-commerce Websites – Scammers create fake e-commerce websites to trick you to entering your personal and financial information to make a purchase. Scammers will use the personal and financial information to carry out various illegal action.

Online Auction Scams – Scammers manipulating online auction platform to deceive bidders to paying for items that does not exist or a fake. Scammers will use the personal and financial information to carry out various illegal actions.

Overpayment Scams – Scammers may contact buyers posing as e-commerce platforms, claiming the buyer to be eligible for refund due to issue with their purchase where sensitive information and processing fees will be requested. Refund is fake, scammer will then disappear with your personal information and money.

Impersonation Scams – Scammers will impersonate legitimate E-commerce sellers or platforms to deceive unsuspecting buyers. In this scam, the scammers create fake online stores or listings that closely resemble well-known and reputable E-commerce platforms or sellers.

Tips to avoid being scammed:

Verify legitimacy: Always check the credibility of the e-commerce websites and sellers before making any purchases or payments.

Research on the seller/product: Always do your research before you make any rash decision when making purchases online.

Use secure payment method: Always use secure payment gateways and websites with ‘https’ in the URL to avoid sharing sensitive financial information through unsecured channels or platforms that look suspicious.

Check reviews and rating: Make checking reviews and rating a habit to assess the credibility of the seller and the quality of the products.

Avoid providing sensitive information through unsolicited emails or links.

What to do if you have been scammed?

Immediately contact your bank or the National Scam Response Center (NSRC) at 997

Lodge a police report at the nearest police station. Do it 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.


“Should I withdraw all my money now?” Investing – from our POV 👀

Klik sini untuk Bahasa Melayu

A Raizer called today. She asked – politely – “I have made an RM1,000 one-off deposit early this year. To date, my account balance is now RM939. That is -6.1% already.
Why is it lower? What should I do? Should I withdraw all my money now?
 This is my first time investing using my money. Please help.”.

Why is it lower
?

In investing, there are ups and downs. When you invest, you practically buy units of shares at a price.

The price goes up and down according to share market movement.

Now let’s look at the share market performance
.

US market (S&P 500 index) is down
21.1%
 since January this year.

At home, our market (FBM KLCI) is down
8.7%
 year-to-date.

As you can see, the customer’s investment is down
6.1%
 — this is still technically better than the market performance. Why? Because with Raiz, you don’t invest in a single share. You invest in a portfolio of shares in many markets globally. So, when one share goes down, another goes up, it is eventually balanced out. This is the importance of
diversification
.

So,
what should the customer do
, and
should she withdraw all her money
?

What she is seeing is just a loss on paper – it is not realized until you act upon it. If you withdraw, you practically sell all your units. If you sell at a lower price than you bought, you make a loss. If you sell it higher, you make a profit. Buy low, sell high. So instead of telling her whether or not to withdraw, we told her to take the opportunity of the current low price. Buy more units so your average cost per unit gets lower so when the market bounces back, you will be back in the green faster. This is actually
ringgit cost averaging
.

Remember, every market downturn in the past has ended up higher. A market downturn is an opportunity. Don’t get carried away with emotions.

Raiz is designed for 1st-time investors. We help build your investment portfolio, we let you invest using a small amount of money, and we automate your investing process so you can invest regularly. These are all key to having a healthier balance in the long run.

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.


Should you bite into Apple? (weekly ended 06/06/2023)

Klik sini untuk Bahasa Melayu

Sharing some Investing and Economic insights:

Apple shares hit their
highest price in 43-year history
 yesterday ahead of its plan to unveil an augmented-reality headset called the Vision Pro, its most significant new product launches ever since the introduction of the iPhone.

The stock hit as high as USD 184.36 in morning trading, more than its prior all-time high of USD 182.94 achieved in January 2022.

Vision Pro will allow users to interact with digital content in mixed reality and will retail for USD 3,499.

US’s S&P 500 stock market index on Friday
closed at its highest level
 in over nine months after Fed officials voiced a preference for a pause in rate hikes and after the US debt ceiling has been raised.

Cryptocurrencies fell yesterday after the US securities regulator sued crypto exchange Binance.

Binance is the largest cryptocurrency exchange by trading volume

At home, more companies (Corporate Malaysia) reported earnings that were below expectations for Jan-Mar 2023 period compared with the previous quarter, reflecting general weakness in the economy.

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?

USD 1.8 MILLION

That’s how much your USD1,000 investment in Apple during its 1980 IPO would be worth now.

With Raiz, you can invest in Apple shares too! Just set your portfolio to
Custom Portfolio
 and add United-i Global Balanced Fund (Shariah) in the portfolio. The fund has Apple shares as its top 5 holdings*.

*for May 2023

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.


Should You Prioritise Spending Less or Earning More

It’s one of those eternal financial questions with no easy answer — is it better to focus on earning more or prioritise spending less?

While most personal finance advice focuses on cutting expenses, it’s also a good financial strategy to find ways to boost your earnings. Or, ideally, do both at the same time.

Spending less

There’s no reason to wait on cutting your spending back — you can spend less immediately. It doesn’t take any special financial knowledge and you can start right now.

For instance, think about scaling back your discretionary spending. This will look different for different people, but it could include cutting back on buying takeaway lunches, cancelling unused subscriptions or returning those fancy sneakers you just bought online.

If you’re serious, it also helps to distinguish what you need from what you want, especially in a society that suffers from so-called “affluenza”. By taking a good look at this, you may also be able to significantly reduce your weekly and monthly outgoings.

However, there is a limit, especially for Malaysians living in
an
urban centre like Kuala Lumpur, where the cost of living is high. If this is you, it’s likely your fixed costs — things like rent and transport — could be tough to dramatically reduce.

Earning more

The benefit of earning more isn’t hard to see — the more you earn, the more financial options you have, which potentially puts you on a path to financial security and abundance. However, one downside of aiming to earn more is that it involves risk.

Often, looking to earn more involves stepping out of your comfort zone, whether that means retraining, changing jobs, starting your own company, or going out solo as a freelancer in the gig economy.

Also, just because you earn more doesn’t mean you’ll have more money at the end of the day. Sometimes it’s the case that you end up spending more when your earnings increase, making fiscal discipline
all the more
 important as you climb the ladder of wealth.

Why not spend less and earn more?

Remember, there’s always the danger that you end up having less time — and inferior quality of life — if your increased earnings mean you end up working around the clock.

Ultimately, it’s about balance. Aim to get to a point where you have enough money to spend on the things you love to do while working at a healthy and sustainable level.

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.


Soalan Lazim (FAQ) Zakat PPZ-MAIWP x Raiz

1) Apa itu Raiz?

Raiz adalah satu
aplikasi pelaburan
mikro. Fungsi utama Raiz adalah membantu anda menyimpan dan melabur duit baki harian anda secara automatik apabila setiap kali anda berbelanja supaya tabungan anda boleh terbina tanpa anda sedari!

Raiz adalah syarikat usahasama antara Raiz Australia Invest Limited dan Permodalan Nasional Berhad (PNB). Raiz merupakakan entiti pasaran modal yang dilesenkan oleh Suruhanjaya Sekuriti Malaysia.

Untuk sebarang info, lawati
www.raiz.com.my
 atau hubungi Raiz di
[email protected]
 atau 03-27146114, atau laman rasmi media sosial
Facebook
 kami.

Kini, lebih 300,000 akaun Raiz telah dibuka! Aplikasi Raiz boleh dimuat turun dari app store (Android dan iOS).

2) Bagaimana kerjasama PPZ-MAIWP x Raiz ini berfungsi?

Selain fungsi utama menyimpan dan melabur duit baki harian, satu lagi fungsi menariknya ialah
Raiz Rewards
, dimana pengguna Raiz akan mendapat ganjaran bonus tunai setiap kali berbelanja dengan lebih 100 rakan jenama kami (Shopee, Lazada, agoda dan banyak lagi!).

Dengan
 kerjasama terkini bersama PPZ-MAIWP
, apabila anda membayar kewajiban
zakat anda melalui Raiz
, anda menerima ganjaran
bonus tunai 1% untuk setiap pembayaran zakat
 tersebut.

Mudah!

3) Adakah pembayaran zakat ditolak daripada akaun Raiz saya?

Tidak.
Apabila anda membayar zakat melalui Raiz, ianya BUKAN ditolak daripada akaun Raiz anda. Ianya akan ditolak dari kad debit anda.

4) Bila dan bagimana saya akan mendapat ganjaran bonus tunai 1% daripada Raiz?

Biasanya anda akan menerima ganjaran bonus tunai daripada kami
sepantas esok hari bekerja
! Bonus tunai ini akan dimasukkan terus ke dalam akaun Raiz anda secara automatik.

(Dalam situasi yang jarang berlaku, ianya mungkin mengambil masa sehingga 5 hari bekerja.)

Anda boleh melihat ganjaran bonus tunai anda di skrin “Lepas” (“History”) di dalam aplikasi Raiz anda.

.

5) Adakah ganjaran bonus tunai ini akan memberi kesan kepada jumlah bayaran zakat saya?

Tidak
. Sebagai contoh, anda bayar Zakat RM100, anda akan menerima resit dari PPZ-MAIWP sejumlah RM100. Pada masa yang sama, anda akan menerima RM1 (iaitu 1%) di dalam akaun Raiz anda.

6) Dari mana datangnya ganjaran bonus tunai 1% ini?

Bonus tunai ini adalah adalah
tajaan dari pihak Raiz
, bukan PPZ-MAIWP.

7) Bila dan bagaimana saya boleh mendapatkan resit pembayaran?

Anda boleh mendapatkan resit rasmi dan rekod pembayaran daripada portal
zakat2u
 PPZ-MAIWP dalam masa
3 hari
 setelah pembayaran dibuat. Pastikan anda mempunyai akaun dengan PPZ-MAIWP (anda hanya perlu daftar jika anda belum ada).

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.


Soalan Lazim – Pengagihan Dividen untuk Dana-dana ASNB

Click here for English

09-03-2023

1) Tiga portfolio Raiz terdiri daripada 3 dana-dana ASNB;

Portfolio Raiz

2) Bilakah pengagihan pendapatan akan diumumkan?

Anda perlu memahami yang dividen, jika anda, hanya akan diumumkan oleh ASNB atas budi bicara, pada bila-bila masa tanpa pengumuman awal. Biasanya, ia diumumkan pada tahun kewangan berakhir untuk setiap dana.

Untuk ketiga-tiga dana di atas yang digunakan Raiz untuk melabur, ia mungkin diumumkan pada 31 Mac 2023.

3) Berapa jumlah pengagihan pendapatan yang akan dibuat?

Anda hanya akan tahu setelah ia diumumkan pada 31 Mac 2022.

4) Berapa banyak yang akan saya dapat? Bagaimana pengiraannya? Adakah ia dikira secara prorata?

Pengiraan pengagihan pendapatan dibuat berdasarkan
jumlah unit yang anda miliki dalam rekod kami pada 31 Mac 2023
, tanpa mengira bila anda melabur. Ianya juga bukan secara prorata.

Dividen yang diagihkan oleh ketiga-tiga dana tersebut akan dimasukkan ke dalam akaun Raiz anda secara automatik pada 1 Apr 2023, dan kemudiannya dilaburkan semula mengikut portfolio pelaburan anda.

Contoh;

Anggap;

Portfolio Raiz anda ialah Agressive (80% dilaburkan di dalam dana ASN Equity 3 & 20% ASN Sara 1); dan

Anda memiliki 800 unit dana ASN Equity 3 & 200 unit ASN Sara 1.

ASNB mengisytiharkan dividen 3 sen seunit untuk dana ASN Equity 3 & 2 sen seunit untuk ASN Sara 1

Dividen anda adalah sebanyak
RM28.00
;

ASNe3 = 800 units x 3 sen= RM24.00; dan

ASNs1 = 200 units x 2 sen= RM4.00

Dividen RM28.00 tersebut kemudian akan dilaburkan semula ke dalam akaun Raiz anda mengikut portfolio pelaburan anda.

5) Bilakah tempoh penangguhan? Bagaimana akaun Raiz saya akan terkesan?

Tempoh penangguhan urusniaga adalah pada 29 – 31 Mac 2023 (Rabu-Jumaat).
Kesemua transaksi – deposit, pengeluaran dan pertukaran portfolio akan terkesan dan tertangguh
. Proses hanya akan bersambung pada 3 Apr 2023 (Isnin).

Hari terakhir untuk membuat
pengeluaran
seperti biasa adalah pada
27 Mac 2023 (Isnin)
 sebelum ianya tertangguh.

Hari terakhir untuk membuat
pertukaran portfolio
seperti biasa adalah pada
23 Mac 2023
 sebelum ianya tertangguh.

6) Bilakah hari terakhir deposit ke dalam akaun Raiz boleh lagi dilakukan supaya saya layak mendapat dividen tersebut?

Hari terakhir untuk deposit adalah
27 Mac
 (Isnin) – supaya kami boleh melaburkan wang anda keesokan harinya (28 Mac, Selasa) sebelum tempoh penangguhan bermula pada 29 – 31 Mac 2023 (Rabu-Jumaat).

Anda masih boleh membuat deposit ke akaun Raiz anda seperti biasa semasa tempoh penangguhan ini (29 – 31 Mac 2023), tetapi ia hanya akan dilaburkan pada 3 April 2023 (Isnin).

HARAP MAKLUM;

Ini bukan dana modal terjamin atau modal terlindung. Harga unit boleh naik dan turun.

Prestasi lepas dana bukanlah satu petunjuk prestasi masa depannya.

Apabila dividen diumumkan, berikutan daripada agihan itu, harga seunit akan direndahkan untuk mengambil kira dividen yang telah diagihkan. Nilai pelaburan anda akan kekal tidak berubah selepas pengagihan dividen ini. Begitu juga apabila pecahan unit diumumkan, nilai pelaburan anda akan kekal tidak berubah selepas pengagihan unit-unit tambahan itu.

Tiada applikasi Raiz lagi?

Muat turun sekarang:

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).


Statistik Pelaburan Menarik – Pahit Tapi Benar!

Click here for English

Berikut adalah beberapa statistik pelaburan menarik untuk anda:

Strategi pelaburan
mudah
 mengalahkan strategi yang
kompleks
.

Pengajaran
: Strategi pelaburan mudah juga berkesan. Jangan terpengaruh dengan strategi yang kompleks – kerana ia adalah kompleks!

Jika anda belum mula menabung sehingga umur
45
, anda perlu menyimpan tiga kali ganda lebih banyak berbanding jika anda bermula pada umur
25
.

Pengajaran
: Jangan berlengah, mula sekarang!

Pelabur bilionair Warren Buffett telah mengakui bahawa pelaburannya dalam Tesco adalah salah satu kerugian terbesar dalam sejarah pelaburannya.

Pengajaran
: Pelabur terbaik di dunia juga mengalami kerugian besar, apatah lagi kita.

Kejatuhan pasaran saham tidak dapat dielakkan.

Pengajaran
: Kejatuhan adalah ciri pasaran saham, bukan suatu ralat. Tetapi kita masih boleh menghadapinya dengan baik dalam jangka masa panjang, terutamanya dengan menggunakan teknik
Purata Kos Ringgit
.

6.1 juta ahli KWSP kini mempunyai kurang daripada RM10,000 dalam akaun KWSP mereka – di mana 3.6 juta daripadanya mempunyai kurang daripada RM1,000…

Pengajaran
: Mula merancang dengan serius untuk persaraan anda.

Jika anda hanya menyimpan wang anda dalam akaun simpanan bank, secara teknikal anda kehilangan nilainya kepada inflasi. RM150,000, 30 tahun dahulu boleh membeli sebuah rumah teres dua tingkat, tetapi hampir mustahil untuk menjumpai rumah sekarang dengan harga itu.

Pengajaran
: Simpan dan laburkan wang 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).


Sukan Olimpik Tokyo 2020 (minggu berakhir 27/07/2021)

Berikut adalah beberapa maklumat berkenaan Pelaburan dan Ekonomi:

Sukan Olimpik Tokyo 2020 telah bermula.

Ia bermula minggu lepas walaupun menerima bantahan dari rakyat Jepun dan WHO di tengah-tengah kebimbangan bahawa acara itu boleh menjadi acara super-penyebar.

Setakat 26 Julai, kira-kira 148 kes COVID-19 berkaitan sukan itu telah direkodkan di Jepun. Acara itu akan berakhir pada 8 Ogos depan dan telah menarik kira-kira 11,000 atlet dari 200 negara – Reuters.

Pergerakan indeks utama dunia untuk 1 minggu lepas – sebagai gambaran yang baik untuk mengetahui prestasi pasaran saham keseluruhan.

Sapura Energy menang tujuh kontrak bernilai RM1.2b di Malaysia dan Thailand.

Pemegang saham terbesar Sapura Energy sejak Jan-19 adalah Permodalan Nasional Bhd (PNB) melalui pelbagai dana unit amanahnya mempunyai hampir 40% kepentingan ekuiti dalam syarikat Minyak & Gas itu.

Pada harga penutup 12.5 sen semalam, modal pasarannya ialah RM1.92b.

CTOS Digital Bhd buat penampilan sulung di Bursa Malaysia – The Edge

Harga sahamnya mencecah paras tertinggi sebanyak RM1.76, premium 60% berbanding harga tawaran awam permulaan (IPO) RM1.10.

CTOS mencatatkan bilangan pelabur institusi terbesar dalam sejarah IPO di Malaysia, dengan 23 pelabur institusi besar terlibat – KWSP dan PNB, antara lain.

Definisi Minggu Ini:
Pelabur Landasan (Cornerstone Investors) & IPO

Pelabur yang komited lebih awal untuk melabur sejumlah besar di dalam IPO.

Tawaran Awam Permulaan, atau IPO, ialah apabila syarikat menjual sebahagian saham-sahamnya kepada pelabur awam.

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).


Super Dad Teaches Kids about Money

Super Dad Teaches Kids about Money

As parents, we would always want the best for our children especially when it comes to safety and security. Some of the best things that we can do for them is to lay a foundation that they can build upon to do well in life, and one of them is to teach them about money.

When to start?

We can begin as soon as they are aware of the concept of money. Remember, the earlier we start, the better it will be! The sooner we start with savings and investing, the more time we will have to reap the benefit of
compounding
. Sikit-sikit, lama-lama jadi bukit.

Lead by Example

This is important because kids learn from what they see. So, the best way to teach your children about saving money is to save money yourself. Children are naturally observant and will learn many of their money concepts by watching you and copying your behavior. You may also invite them to have simple discussions on the pros and cons when deciding to buy certain things.

Make Learning Fun

Learning can be fun too!  In a Facebook
post
 that went viral, a man shared his experience learning about money management as taught by his parents.

“Every week I get one dollar for allowance. Then I get to choose the section where I put my dollar. There are four sections: spend, save, donate, and invest. If I put a dollar in the ‘invest section,’ my parents give me two extra pennies at the end of every month. I’ve only used my ‘spend section’ twice! I have way over $10 in my ‘invest section.’ I used to have more but I took some money out and put it in my ‘donate section.’ We used to it to buy food for people who don’t have much money in their ‘spend section.’”

This is a clever way to teach children to understand the big picture of money management. Not to mention, it is also a brilliant way to teach children compassion!

Raiz Kids

We understand that life may get busy and messy, especially when you have little ones. For the parents and grandparents in our Raiz community, we know it is not simple to get started on a savings fund for your kids.

So, if you’re thinking to put money into savings for your children in an automated way,
Raiz Kids
 is for you! Open your Raiz app, click ‘
Invest
’, scroll down, and go to the ‘
Raiz Kids’
 section to get started.

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.


Syed Mokhtar Menjadikan MMC Corp Syarikat Persendirian (minggu berakhir 08/06/2021)

Berikut adalah beberapa maklumat berkenaan Pelaburan dan Ekonomi:

Syed Mokhtar tawar RM2.94 bilion untuk beli pemegang saham minoriti MMC Corp – The Edge.

Beliau yang kini memegang 51.8% kepentingan dalam MMC, menawarkan untuk membeli saham MMC ia belum miliki sebanyak RM2 sesaham melalui langkah pengurangan modal terpilih – harga itu lebih daripada 50% daripada harga dagangan terakhir sebanyak RM1.30 sebelum pengumuman dibuat.

Syed Mokhtar, 69, berada di kedudukan ke-18 dalam senarai 50 Individu Terkaya Malaysia 2021 oleh Forbes yang diterbitkan Khamis lepas dengan nilai bersih sebaynak USD1.2 bilion.

Duopharma Biotech Bhd bakal membekalkan vaksin Covid-19 buatan Rusia ke Malaysia – The Edge.

Duopharma Biotech berkata ia telah menandatangani perjanjian dengan kerajaan untuk membekalkan 6.4 juta dos vaksin “Sputnik V” ke Malaysia.

Harga dagangan terakhir Duopharma Biotech ialah RM3.10, dengan nilai pasaran syarikat pada RM2.19bilion.

Press Metal Aluminium Holdings Bhd menggandakan keuntungan bersihnya pada suku pertama, terima kasih kepada harga aluminium yang tinggi – The Star.

Dalam tempoh tiga bulan berakhir 31 Mac, 2021, keuntungan bersihnya melonjak kepada RM205.7mil daripada RM102.6mil setahun yang lalu.

Tan Sri Paul Koon Poh Keong dan empat adik-beradiknya, pengasas bersama kumpulan itu, berada di tempat ketiga dalam senarai Individu Malaysia Terkaya dengan nilai bersih USD6.4 bilion.

Press Metal Aluminium juga merupakan salah satu daripada 10 pegangan utama Dana ASN Equity 3.

Bank Negara: Moratorium pinjaman automatik untuk semua buakn penyelesaian terbaik buat masa ini.

Peminjam yang mengalami penurunan pendapatan, termasuk gaji, elaun dan komisen, layak untuk pengurangan ansuran bulanan.

Peminjam individu yang telah kehilangan pekerjaan mereka juga boleh memilih sama ada moratorium tiga bulan atau pengurangan ansuran bulanan sebanyak 50% selama enam bulan.

Definisi Minggu Ini: Komoditi

Bahan mentah yang diperlukan oleh syarikat pembuatan besar untuk perniagaan. Contoh; getah, minyak sawit, minyak sawit, emas, aluminium, bijih besi. Seperti saham, komoditi juga adalah sejenis kelas aset.

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).


Tan Sri Syed Mokhtar pertimbang jual saham dalam MMC Port – dan DUA lagi perkara yang anda perlu tahu minggu ini (minggu berakhir 23/5/2023)

Click here for English

Kami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:

Taikun Tan Sri Syed Mokhtar Al-Bukhary melalui konglomerat miliknya MMC Corp, sedang mempertimbangkan untuk menjual saham sehingga 30% dalam MMC Port. Ini bakal menilai pengendali pelabuhan terbesar negara itu lebih RM12 bilion.

MMC Port mempunyai tujuh pelabuhan di Malaysia – Pelabuhan Tanjung Pelepas, Pelabuhan Johor, Northport, Pelabuhan Pulau Pinang, Pelabuhan Tanjung Bruas, Pelabuhan Andaman dan Terminal Produk Pepejal – semuanya terletak di sepanjang Selat Melaka, salah satu laluan perkapalan paling sibuk di dunia.

Dan DUA lagi perkara:

Bursa Malaysia ditutup rendah semalam
 dengan lebih 500 kaunter berakhir merah, sejajar dengan sentimen lemah di pasaran serantau apabila pelabur menjual saham selepas kebimbangan mengenai kadar faedah muncul semula, dan juga mengenai siling hutang Amerika Syarikat (AS).

Suruhanjaya Sekuriti (SC) telah mengambil tindakan terhadap Huobi Global Ltd dan Ketua Pegawai Eksekutifnya Leon Li kerana
mengendalikan bursa aset digital di Malaysia tanpa lesen
 dan telah mengarahkan Huobi untuk menghentikan operasinya di Malaysia.

Orang ramai dinasihatkan untuk melabur dengan syarikat yang berdaftar dengan SC kerana syarikat-syarikat ini telah melalui penelitian kawal selia yang menyeluruh dan dikehendaki mematuhi garis panduan yang ketat supaya pelabur dilindungi di bawah undang-undang sekuriti Malaysia.

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?

India telah mengatasi China sebagai negara yang paling ramai penduduk di dunia. Apabila digabungkan, kedua-duanya mempunyai lebih daripada 2.8 bilion orang – lebih daripada satu pertiga daripada penduduk 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).


Tan Sri Syed Mokhtar weighs selling a stake in MMC Port – and TWO more things you need to know this week (weekly ended 23/5/2023)

Klik sini untuk Bahasa Melayu

Sharing some Investing and Economic insights

Malaysian tycoon Tan Sri Syed Mokhtar Al-Bukhary’s
MMC Corp may sell a stake of up to 30% in MMC Ports
. This could value the country’s biggest port operator at more than RM12 bil.

MMC Ports has seven ports in Malaysia – Port of Tanjung Pelepas, Johor Port, Northport, Penang Port, Tanjung Bruas Port, Andaman Port and Solid Product Terminal. All are located along the Straits of Malacca, one of the world’s busiest shipping lanes.

And TWO more things:

Bursa Malaysia ended lower yesterday
 with over 500 counters ending in the red, in line with the weak sentiment in regional markets as investors took some profit after concerns over interest rates has re-emerged, and also on US debt ceiling.

The Securities Commission (SC) has taken action against Huobi Global Ltd and its CEO Leon Li for
operating a digital asset exchange in Malaysia without license
 and has ordered Huobi to stop its operation in Malaysia.

The
public are advised to invest with entities that are registered with the SC
 as these entities have undergone strict regulatory scrutiny and are required to adhere to strict guidelines so that investors are protected under the Malaysia’s securities laws.

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?

India has overtaken China as the most populous country in the world. Both combined have more than 2.8 billion people – more than a third of the global population.

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.


Tealive Jual 30% Pegangan (minggu berakhir 15/06/2021)

Berikut adalah beberapa maklumat berkenaan Pelaburan dan Ekonomi:

SLoob Holding Sdn Bhd — syarikat induk jenama bubble tea Tealive, menjual kepentingan strategik sebanyak 30% kepada firma ekuiti persendirian Creador – The Edge

Vaksinasi COVID-19: 3,132,304 (atau 9.57%) individu di Malaysia telah menerima sekurang-kurangnya satu dos – The Edge

Angka jangkitan baru telah berkurangan selama 4 hari berturut-turut.

Pergerakan indeks FBM KLCI sejak 1 minggu yang lalu;

Selasa, 8 Jun – 1,588 mata

Rabu – 1,581 ↓

Khamis – 1,580 ↓

Jumaat – 1,575 ↓

Sabtu – cuti umum, pasaran saham ditutup.

Ahad – cuti umum, pasaran saham ditutup.

Isnin – 1,582 ↑

Kuala Lumpur Kepong Bhd (KLK) menawarkan untuk membeli IJM Plantation Bhd dengan harga RM3.10 sesaham atau RM1.53 bilion secara keseluruhan – The Edge

Pemegang saham terbesar KLK, Batu Kawan Bhd juga baru-baru ini membeli Chemical Company of Malaysia Bhd (CCM) daripada PNB dengan harga RM292.97 juta.

Indeks S&P 500 dan Nasdaq mencecah rekod tertinggi pada Selasa – CNBC

Pelabur berlumba-lumba membeli saham syarikat teknologi dan juga menjangkakan mesyuarat Rizab Persekutuan AS pada hari ini untuk polisi baru demi meningkatkan pemulihan ekonomi.

S&P 500, Nasdaq Composite dan Dow Jones adalah tiga indeks pasaran saham utama dunia.

IGB Commercial Real Estate Investment Trust (IGB Commercial REIT) akan disenarai di Bursa Malaysia – The Edge

Antara hartanah di bawah amanah hartanah ialah GTower, Centrepoint dan Gardens.

Definisi Minggu Ini:
Amanah Pelaburan Hartanah (REITs)

REIT adalah seperti dana unit amanah – ia mengumpul modal banyak pelabur supaya pelabur individu boleh melabur dalam pelaburan hartanah seperti bangunan pejabat, hotel dan pusat membeli-belah.

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).


Tentang Red Bull, dan TIGA perkara yang anda perlu tahu – minggu ini (minggu berakhir 15/11/2022).

Click here for English

Kami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:

TIGA perkara yang anda perlu tahu – minggu ini;

1. Harga minyak jatuh di atas kebimbangan kes COVID-19 yang tinggi di bandar-bandar utama di China yang menjejaskan harapan pembukaan semula ekonomi oleh negara pengimport minyak terbesar dunia itu.

2. Saham AS mengalami kenaikan mingguan terbesar mereka dalam beberapa bulan ini selepas data inflasi yang lebih rendah daripada jangkaan (7.7% pada bulan Oktober, berbanding ramalan ahli ekonomi sebanyak 7.9%) mendorong spekulasi bahawa Rizab Persekutuan AS akan lebih perlahan dalam menaikkan kadar faedah.

3. Akhir sekali, kejutan kepada dunia mata wang kripto – salah satu platform jual beli kripto terbesar, FTX, memfailkan untuk bankrap selepas Binance, platform pesaing, menarik diri daripada perjanjian untuk menyelamatkan syarikat itu. FTX baru sahaja dinilaikan sebanyak AS$32 bilion pada Januari tahun ini.

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?

Red Bull
 (ye, minuman tenaga tu!) menguasai separuh pasaran minuman tenaga dunia; dan juga dua pasukan Formula One.

49% pegangan saham Red Bull dimiliki oleh Mark Mateschitz (30 tahun, dari Austria, bukan Australia) yang mewarisi saham-saham tersebut berikutan kematian bapanya bulan lepas.

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).


The Advantages of Ringgit Cost Averaging

Klik sini untuk Bahasa Melayu

Markets go up and down. This is completely normal

and is known as
market volatility
 or market risk. 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 is the well-known principle of
Ringgit Cost Averaging (RCA)
.

How does it work? For example, say you have RM1,000 to invest. Instead of investing it all at once, you could invest RM100 each month into the market for 10 months, despite the changes in the market value.

If for example the stock of choice was priced at RM10 the first month, you would purchase 10 units. If during the second month the stock was priced at RM5, you would purchase 20 units, and so on.

In the end, you would have purchased more shares when prices were lower and fewer shares when prices were higher. The outcome is that you may have invested more prudently than simply investing the money all at once in a lump sum.

Let’s look at the other key advantages to sticking with
Ringgit
 Cost Averaging
:

Avoids Bad Timing

Investing in one lump sum and trying to pick the best price to enter the stock is known as market timing

and is something very difficult to do and get right.

If an investor could have any superpower in the world, it would be to pick the low points of the market. Many have tried, succeeded and failed but no one knows exactly when the lows and highs will happen, and no one can stop unwanted surprises from happening.

Ringgit
 Cost Averaging can provide a disciplined strategy as it ensures you are not too exposed to falls in the market when you buy at the top; and rewarding you when the market recovers, for buying when the market was falling.

By not depending on the timing,
R
CA can smooth out the market’s ups and downs.

Reduces Risk

Ringgit
 Cost Averaging is most effective in a long
–
term saving strategy. As the market moves up and down,
ringgit
-cost averaging over time reduces your risks of trying to pick the best times to invest from these swings.

By viewing falling markets as buying opportunities, you can significantly enhance your long-term return potential when the market rebounds.

Removes Emotional Investing

People often make decisions based on emotion or loss aversion. Loss aversion refers to an investor’s tendency to strongly prefer avoiding losses to acquiring gains.

Studies suggest that losses are twice as powerful, psychologically, as gains, leading this type of investment mindset to be more likely to make the mistake of needlessly selling holdings and switching to cash in a down market.

By avoiding the media hype or fear in picking the ‘right time’, investors can avoid both the euphoric and depressive investment traps.

Ringgit
 Cost Averaging strategy is in line with the
Raiz’ philosophy and provides a disciplined strategy.

“We don’t have to be smarter than the rest, we have to be more disciplined than the rest.”
 –
Warren Buffett

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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.


The Balloon Drama – and TWO more things you need to know this week (weekly ended 07/02/2023).

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Sharing some Investing and Economic insights:

The Balloon Drama – and TWO more things you need to know this week;

The Balloon Drama. A US fighter jet shot down a balloon, suspected to be a Chinese spy balloon last Saturday. China reiterated that it was a “civilian airship conducting weather research” that accidentally drifted into US airspace. This has further strained the already-tense relations between the two countries. US has cancelled the planned visit to Beijing. China has asked US to “not overreact and to remain calm”. Chinese equities fell on Monday. Undoubtedly, this incident will be a negative headline for the market.

The Fed raised its interest rate by 0.25% last Wednesday and promised of an “ongoing increase” as part of its still unresolved battle against inflation as the labor market remains strong. Last Friday data showed 517,000 jobs were created in January – well above expectations for 185,000 despite layoffs in the technology sector. It further said that inflation has eased somewhat but remains high.

The effect of stronger tourism activity, especially the resumption of China outbound travelling and domestic tourism demand, is expected to boost Malaysia’s gross domestic product (GDP) in 2023. This would also support Malaysia economic growth forecast of 4% in 2023 – UOB Research.

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?

Chinese tourists recorded the 3rd biggest tourist arrivals for Malaysia.

Singapore is first and Indonesia is second.

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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 Investment Roller Coaster

The Investment Roller Coaster

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For most people, investing comes with a strong emotional attachment. If market goes up, it is easy to feel excited. If market goes down, it is even easier to feel frustrated.

However, it brings little benefit to attach ourselves emotionally to our investments. Because when investments go down, it does not necessarily mean a bad result. We actually have the opportunity to buy more of the assets, but now at a lower price.

This follows the classic investment strategy of ‘
buy low, sell high’
.

This strategy may not work if you are investing with emotions, hence it is so important to be in control of your emotions when investing. So that when the roller coaster happens – and it will happen – you can consider taking this opportunity to buy more instead of selling your investments in panic. If your only response to a falling market is ‘
sell, sell, sell’
, then perhaps you shouldn’t be in the market.

Eventually over the long-term, the market will go up again (it really will, because it’s a roller coaster!). The risk, however, is that the market could take longer than expected to recover, and you could be forced to sell before that time comes.

Raiz’s automated tools like recurring investments are so powerful because they help to remove the emotion that usually comes with deciding to make an investment, and at the same time allow you to
Ringgit Cost Averaging
 into the market.

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.


The Raiz-opaedia of Financial Language (A to C)

At Raiz, we know there are many complicated investment and financial words that are not easy to understand. We want to help you learn slowly through some terms that you might have heard in social media, newspaper
 etc. Maybe you know all of them or you know none, but hopefully, this list can create a new level of understanding for you.

We know there might be a lot to take in, so we are splitting this A-Z Raiz-
opaedia
 easy-to-read into few parts.

Part 1 (A
 to
C):

Active Income

Hard-earned money received from performing a work such as salaries, wages (basically your ‘
gaji
’), commissions, and income from businesses you participate in.

If you’re wondering, the money you receive from investments such as the
dividend
 that Raiz investor just
received

on 1st April 2021 can be categorized as passive income.

Benchmark

A standard used
as a way to
 measure an investment’s performance. For example, FBMKLCI is a benchmark for Bursa Malaysia. It provides a good overview of the overall Bursa Malaysia market performance.

Bond

A loan from investor to a company or government, so investors are paid interest over a specific
time period
. Just like when you borrow money and pay it back with interest.

Bond

Bucketing

Separating cash into different categories for specific purposes. This helps you to track your financial priorities.

503020 Rule

One example of bucketing is the
50/30/20 Rule
. Your budget can be categorized into three simple buckets:

Your necessities (50%)

Your wants (30%)

Your savings & investments (20%)

Compounding

The dividend you previously earned on your investment starts earning market returns as well.

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 RM
64,461.*
*

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

That concludes part 1.

Stay tuned for the next part of Raiz-
opaedia
 easy learning
!

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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.


The Raiz-opaedia of Financial Language (D to F)

Hey guys! We’re back with Raiz-opaedia – now in part 2! In part 1 (thanks to the many readers!), we’ve covered the alphabet A, B and C.

Let’s continue with investment and financial words that start with D to F.

Part 2 (D to F):

Dividend

When starting up, a company needs capital to run its business. The capital is given by investors and in return, the company gives the investor shares of the company. For this reason, the investor is also called a shareholder.

Over time, the performance of the company improves and makes profit, it gives back some of the profit, or dividend to the shareholders of the company.

FBM KLCI

The main stock market index on Bursa Malaysia. It tracks the performance of 30 largest companies by market capitalization listed on the Main Board of the Bursa Malaysia. The index provides a good overview of the overall market performance.

FinTech Startup companies

Financial + Technology = FinTech

A young company that integrates innovative technology to deliver financial services products. For example; Raiz, Boost and Touch ‘n Go.

Fiscal deficit

Money out > Money in = Fiscal Deficit

Negative balances that arise whenever a government spends more money than it earns during the fiscal year. It is also the difference between a government’s total revenue and total expenditure.

Fiscal Policy

Changing the tax rate and level of government spending. Set by the Government.

Part 2 ends.
Hopefully, you will understand and feel more confident in your investment journey.

Stay tuned for part 3 of Raiz-opaedia easy learning soon!

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.


The Raiz-opaedia of financial language (G to I)

We’re here again for Raiz-opaedia! We group this by parts so that we can slowly understand each investment and financial term. In case you missed part 1 and part 2, please refer to the links below:

Part 1:
The Raiz-opaedia of Financial Language (A to C)

Part 2:
The Raiz-opaedia of Financial Language (D to F)

Enough with the introduction and let’s get started with part 3!

Part 3 (G to I):

Gross Domestic Product (GDP)

The total value of everything generated within a country during a specific period of time. GDP growth rate is an important indicator of how a country’s economy is performing.

Let’s say you buy RM3
nasi lemak
 from a stall. The RM3 is part of GDP. GDP measures the total value of goods and services within a country.

GDP = Consumption + Investment + Government Spending + Net Exports

Consumption
: Consumer spending such as the money you spend on RM3
nasi lemak.

Investment
: Business investment is the total amount of spending by businesses on plant and equipment.

Government Spending
: Money spent on public goods and services like roads, healthcare and school.

Net Exports
: Export minus import.

If the country’s economy is healthy, the GDP growth rate increases.

Inflation

Put simply, inflation is a general rise in prices. If prices fall, this will result in negative inflation, or also known as deflation.

Inflation can be caused by an increase in production and raw material cost. A rise in consumer demand and the government printing more money can also contribute to a rise in inflation.

To beat inflation, you can grow your money through investment.

Initial Public Offering (IPO)

When a private company becomes public by selling its shares on a stock exchange.

When a
 company goes from private to public, its share can be bought publicly from the stock market like Bursa Malaysia. So, when you buy the shares, you are partly the owner!

Mr DIY (established since 2005) was a private company until it went public by issuing its IPO in December 2020. It sold 941.5 million shares on Bursa Malaysia at RM1.60 per share, raising about RM1.5 billion, making it the largest IPO in Bursa since 2017.

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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.


The Raiz-opaedia of financial language (M & N)

Welcome again to Raiz-opaedia! If you’re new, this is the explanation of complicated investment and financial words that you might have heard somewhere.

It’s valuable to have knowledge as the foundation, while you get familiar with your investment journey – that is full of emotion!

In case you want to revisit parts 1-3, here are the links:

Part 1:
The Raiz-opaedia of Financial Language (A to C)

Part 2:
The Raiz-opaedia of Financial Language (D to F)

Part 3:
The Raiz-opaedia of financial language (G to I)

Ready? Let’s continue for the next alphabets – M and N!

Mergers and Acquisitions (M&A)

When two or more separate entities combine forces. Examples;

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

AmBank Group bought 100% MBf Cards Sdn Bhd

SapuraCrest Petroleum Bhd + Kencana Petroleum Bhd = SapuraKencana Petroleum Bhd

This could happen in many ways;

Some are direct competitors like Celcom and Digi.

A company and its supplier/customer along its supply chain.

Why did companies decide to merge? It could be to achieve higher growth and market share, diversification to reduce loss, and tax benefits.

Monetary Policy

Policy which the Central Bank control the interest rate and money supply to make sure the sustainability of economic growth.

As you can see during this COVID-19 pandemic, Bank Negara has lowered the Overnight Policy Rate (OPR) to encourage more borrowing and spending. And vice versa.

The goal is to keep the economy in the best condition – not too cold or hot, like your
teh tarik
.

Net Asset Value (NAV)

It represents the price per unit of a fund, calculated on each business day.

Net Worth

The value of all your
assets
 minus all your
liabilities
, or simply your debts. It helps you in understanding your current financial situation to better plan your financial goals. It provides a measure of your progress in accumulating financial wealth and the progress you’re making toward paying off your debt.

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 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, he will get RM20,000.

So, Ali’s total assets are
RM390,200
.

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.

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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 Raiz Philosophy – INVESTING SMALL AMOUNTS REGULARLY

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At Raiz, our easy investment philosophy is to
save & invest small amounts regularly
, regardless of market situation.

Why?
 This will help you to ride the market’s ups and downs in a smarter way. You would have purchased more shares when prices were low so it will be more rewarding for you when the market recovers (because eventually, over the long-term, the market will go up again!). This is a well-known investment strategy, known as
Ringgit Cost Averaging
.

And also, it helps you get away with
emotional investing
. This happened to us all — you know, when stock market goes down, you feel frustrated, so you sell all your investment at lower price instead of “buy low, sell high” while it is actually the opportunity to buy more assets at a lower price!

Raiz helps you to automate these strategies – saving your spare change from your everyday purchase, easy setup of recurring investment daily / weekly / monthly.

Raiz is about helping you save & invest more – managed to save 2% of your salary is better than earning 2% return. We don’t promote ourselves as the best fund manager because we believe regular disciplined savings can help improve your financial position in the long run far quicker than choosing the best fund manager.

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.


THREE things you need to know this week (weekly ended 04/04/2023)

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Sharing some Investing and Economic insights:

THREE things you need to know this week;

OPEC+ surprises markets by cutting output target

The group announced that it is cutting its production target by a further 1.16 million barrels per day (bpd) from May until the end of the year, bringing the total volume of cuts to 3.66 million bpd.

Oil prices surged on Monday trading close to USD85 per barrel – about 6% increase from approximately USD80 per barrel last Friday.

Phase 2 of Sumbangan Tunai Rahmah (STR) to be distributed starting 5 April

The payment, which involves a total sum of RM1.26 billion, will be credited into stages to 8.7 million beneficiaries from the B40 group with household income of less than RM2,500.

4 million recipients from the household category will receive RM200, whereas 1.2 million senior citizens and 3.5 million singles will receive RM100.

EPF members may apply for personal financing from banking institutions from 7 April

Eligible members who are aged 40 and above may apply using their Account 2 balance as a support for their loans to tide through difficult times. The maximum financing amount has been fixed at RM50,000 with a repayment tenure of up to 10 years.

This facility is targeted towards EPF members who have savings of at least RM3,000 in their Account 2, as they are “supported with a reasonable income to ensure they can afford the financing and repay it without compromising their retirement income adequacy and security”.

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?

OPEC+

OPEC+ is a group of 23 oil-exporting countries that meets regularly to decide how much crude oil to sell on the world market. Cumulatively, the group produces about 40% of all the world’s crude oil.

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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 11/04/2023)

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Sharing some Investing and Economic insights:

THREE things you need to know this week;

Bursa Malaysia closed mixed yesterday
, moving in a tight range and in tandem with regional peers like Japan’s Nikkei, South Korea’s Kospi, Singapore’s Straits Times Index and China’s SSE Composite Index. Dynamic changes in the market now are the new norm.

Unemployment rate in Malaysia improved
 to 3.5% in February 2023, with 591,900 unemployed people compared to 596,100 in January, in line with the current economic developments – DOSM.

UMW wins RM1 bil contract from Rolls-Royce
.

This is its second contract from the British aerospace company to manufacture components of aircraft engine produced by Rolls-Royce.

UMW share closed unchanged at RM3.82 yesterday, giving the group a market capitalisation of RM4.46 billion.

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?

Gold’s all-time high was USD 2,075 in August 2020.

Source: Refinitiv

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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 22/08/2023)

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Sharing some Investing and Economic insights:

Bursa Malaysia recorded a total of RM1.4bil in foreign investment flow just in July this year
after it recorded an outflow of foreign investment of RM4.2bil for the first half of 2023.

Malaysian banking stocks see share prices rally as they would usually be the main beneficiaries of the renewed foreign interest.

Singapore’s Goods and Services Tax (GST) will go up
by 1% starting 1 Jan next year.

This is the second of a two-step increase, which will see the rate rise to 9% in 2024 from the current 8% in 2023 (and 7% in 2022).

Norway’s sovereign wealth fund made a profit of about USD143 billion
 for the first half of the year, partly due to the growth of U.S tech companies and AI.

The USD1.4 trillion fund’s holdings in tech companies jumped by nearly 39% in the period, with Apple, Microsoft and Nvidia are the stocks contributing the most, helping to drive the fund’s 10% overall return.

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? MERDEKA edition

Ringgit

During the time when the Portuguese ruled, people used Spanish silver dollars as money. These coins had rough edges, making them unique. The Malays at that time called them “ringgit,” meaning “jagged ones.”

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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 08/11/2022).

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Sharing some Investing and Economic insights:

THREE things you need to know this week;

1. Global inflation may be close to the high point of the current cycle – International Monetary Fund (IMF) Managing Director Kristalina Georgieva. This suggests that the surge in consumer price may enter the next cycle — down.

2. Proton has recorded its highest sales volume of 115,366 units in the January to October 2022 period, exceeding 114,708 units sold for the whole of 2021, boosted by local market success and its export division.

3. Twitter fired more than 90% of its staff in India over the weekend – part of global reductions by new owner Elon Musk. Globally, it has reduced its headcount by about half or roughly 3,700 workers. Elon Musk has completed his acquisition of Twitter but said that he overpaid for the company. And now, he’s finding ways to reduce expenditures at the social media giant.

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?

Mamee started in Melaka in 1971, founded by Datuk Pang Chin Hin. Mamee now has more than 50 items ranging from instant noodles, Mamee Monster, Mister Potato and Double Decker.

Datuk Pang Chin Hin has passed away on last week at the age of 96.

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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.


TIGA perkara yang anda perlu tahu minggu ini (minggu berakhir 04/04/2023)

Click here for English

Kami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:

TIGA perkara yang anda perlu tahu minggu ini;

OPEC+ mengejutkan pasaran dengan potongan kuota bekalan

Kumpulan itu mengumumkan peningkatan dalam pemotongan kuota bekalan pengeluarannya sebanyak 1.16 juta tong sehari, bermula Mei hingga akhir tahun ini. Ini menjadikan jumlah keseluruhan pemotongan berjumlah 3.66 juta tong sehari.

Harga minyak melonjak pada hari Isnin kepada USD85 setong, iaitu peningkatan sebanyak hampir 6% daripada hampir USD80 setong pada Jumaat lepas.

Bayaran Sumbangan Tunai Rahmah (STR) fasa 2 bermula 5 April

Bayaran STR yang melibatkan keseluruhan RM1.26 bilion itu akan disalurkan secara berperingkat kepada 8.7 juta penerima dari golongan B40.

Bagi kategori isi rumah, 4 juta penerima akan menerima bayaran RM200, manakala 1.2 juta warga emas dan 3.5 juta penerima bujang akan menerima RM100.

Ahli KWSP boleh memohon pembiayaan peribadi daripada institusi perbankan mulai 7 April

Ahli yang layak yang berumur 40 tahun ke atas boleh memohon menggunakan Akaun 2 sebagai sandaran untuk membayar balik pinjaman. Jumlah maksimum pembiayaan telah ditetapkan pada RM50,000 dengan tempoh bayaran balik sehingga 10 tahun.

Program ini disasarkan kepada ahli KWSP yang mempunyai simpanan sekurang-kurangnya RM3,000 dalam Akaun 2. Ini untuk memastikan mereka mempunyai pendapatan yang mencukupi untuk membayar balik simpanan tanpa menjejaskan jaminan pendapatan dan persaraan mereka.

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?

OPEC+

OPEC+ adalah sekumpulan yang terdiri daripada 23 negara pengeksport minyak yang kerap berkumpul untuk memutuskan berapa banyak bekalan minyak mentah untuk dijual di pasaran dunia. Negara-negara ini menghasilkan lebih kurang 40% daripada semua minyak mintah di 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).


TIGA perkara yang anda perlu tahu minggu ini. (minggu berakhir 04/07/2023)

Click here for English

Kami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:

TIGA perkara yang anda perlu tahu minggu ini;

Anda tahu Bursa Malaysia telah jatuh hampir -8% dari Januari tahun ini sebelum ditutup tinggi semalam sebanyak
+1.4% (hanya dalam satu hari)
?

Kadar faedah naik lagi?
 Mungkin ye, mungkin tidak. Mesyuarat Jawatankuasa Dasar Monetari Bank Negara dijadualkan pada hari Rabu & Khamis ini. Kami percaya kadar itu akan dikekalkan. Mari kita berbelanja secara sederhana & menyimpan lebih banyak untuk menurunkan inflasi ini bersama-sama 🙌🏽.

Ringgit
. Apa yang berlaku?.. Ringgit kini diniagakan menghampiri paras terendah dalam tempoh tujuh bulan. BNM mengakui bahawa Ringgit terus terjejas oleh faktor luaran, tetapi asas kita masih kukuh untuk menyokong Ringgit pada masa hadapan. BNM walaubagaimanapun akan campur tangan dalam pasaran pertukaran asing untuk menghentikan pergerakan mata wang yang dianggap berlebihan. Kebanyakan bank meramalkan Ringgit akan naik menjelang akhir tahun ini.

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?

1997

Pada September 1997, Ringgit ditambat pada kadar tetap untuk memerangi kejatuhan berterusannya semasa Krisis Kewangan Asia. Bank Negara menambat ringgit pada RM3.8 kepada dolar Amerika.

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 18/07/2023)

Click here for English

Kami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:

TIGA perkara yang anda perlu tahu minggu ini;

Automotive Hi-Tech Valley (AHTV).
 DRB-HICOM mengumumkan hasratnya untuk membangunkan projek AHTV di Kawasan Tanjung Malim dengan matlamat untuk menjadi hab industri bagi rantau ASEAN. DRB-HICOM dan rakan kongsinya dalam Proton, Geely, telah menandatangani perjanjian untuk mengesahkan fasa kerjasama seterusnya, dengan tumpuan untuk membangunkan bandar automotif bersepadu yang akan melahirkan hab bagi industri Kenderaan Tenaga Baharu (‘New Energy Vehicle’ atau NEV).Dalam tempoh 10 tahun akan datang, projek AHTV dijangka menarik pelaburan bernilai kira-kira RM32 bilion. 2 syarikat dari negara China sedang mempertimbangkan untuk melabur dalam projek AHTV tersebut.

Tesla.
 Awal bulan ini, Tesla mengumumkan bahawa model keretanya akan mula dijual di Malaysia akhir Julai tahun ini selepas permohonan untuk mengimport kenderaan diluluskan oleh pihak berkuasa. Dalam pertemuan baru-baru ini antara Elon Musk dan PM Anwar Ibrahim, dilaporkan bahawa Elon Musk telah bersetuju untuk membuat pelaburan di Malaysia, termasuk menubuhkan ibu pejabat Tesla di Malaysia yang akan berlokasi di Cyberjaya pada akhir tahun ini.

Bank digital.
 Harga saham AEON Credit Service (M) Bhd mencecah paras tertinggi sejak Mei lalu berikutan pembentukan usaha samanya dengan AEON Financial Service Co Ltd yang disenaraikan di Tokyo. Syarikat-syarikat itu akan menjalankan perniagaan perbankan Islam digital yang akan dilaksanakan melalui ACS Digital Berhad (ACSD), yang bersedia untuk dilesenkan sebagai bank Islam digital di bawah Akta Perkhidmatan Kewangan Islam 2013 (IFSA).Semalam (Isnin, 17 Julai 2023), kaunter ditutup 3.17% lebih tinggi pada RM11.70, meletakkan nilai syarikat pada RM2.99 bilion. ACSD dijangka memulakan perniagaan perbankan Islam digitalnya pada April 2024.

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?

Negara China kekal sebagai
rakan dagang terbesar Malaysia
 selama 14 tahun berturut-turut, dengan
 jumlah perdagangan sebanyak RM487.13
 bilion dicatatkan pada 2022. Ianya adalah peningkatan sebanyak 15.6% daripada tahun sebelumnya.

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).