16 Simple Saving Tips for the New Year

16 Simple Saving Tips for the New Year

Klik sini untuk Bahasa Melayu

With the new year upon us, it’s easy to say
“I will save more this year”
 but what you might not have brainstormed is
“How can I save more this year? What are the practical ways to go about it?”

The good news is that even small efforts can add up to big savings over time. No matter what you’re saving money for —whether it’s to reach a savings goal, pay off debt faster or plan ahead for a holiday or first home—these simple suggestions will help you get there faster.

With
16
 simple suggestions, there is
surely
at least
one
 that woul
d suit you and will

help you stick to your goal or resolutions this year!

Treat yourself to a birthday freebie.
Most restaurants, if you tell them it’s your birthday, will give you a little something just for dining with them. The key is signing up
 to be a
 member
 early.

 Raid your drawers for unused
 gift cards.
If you probably won’t put them to good use, re-gift or sell them.

Cancel unused subscriptions for
 magazines, gym memberships, for example.

Turn off the tap when you brush your teeth.
This can save 5,000L per year, cutting down your
utility
 bill. Also, take shorter showers.

Unplug your laptop and other appliances when
 you aren’t using them. Leaving your computer on all day could add up to hundreds
of
ringgit

in a year.

DIY when it makes sense.
Doing major repairs on your own won’t save you money if you end up having to pay a pro to fix your shoddy work.

Make a list before hitting the store
 and
 stick to it
—and avoid grocery shopping when you’re hungry and more likely to make impulse buys.

Buy for a discount when
 you’re shopping for big-ticket items like furniture or appliances.

Borrow
. A friend may own a black-suit outfit you can wear to an upcoming event.

Get books at the library instead
 of purchasing your own copies.

Buy everyday items like
 vegetables and baby diapers
in bulk.

Make your own coffee,
saving you up to RM10 per drink.

Commit to bringing your lunch just
 one more day a week.

Look for alternative
 activities
in your city
, like morning workouts in public parks

as opposed to subscribing to a gym membershi
p
.

Volunteer.
It’s a free meaningful activity and will make you feel good too.

Finally
,

Create savings goals on your Raiz Account.
It’s an easy way to measure your progress and make quick adjustments.

By automating and naming your savings goal, this will help to reach your goal easier. With our Savings Goal feature, you can set a recurring investment in-line with your
payday
.
Raiz
also
allows you to customise investing daily, weekly, fortnightly or monthly.

You can customise the goal name to keep you focused on what you are trying to achieve.

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.


16 Tip Simpanan Mudah untuk Tahun Baru

16 Tip Simpanan Mudah untuk Tahun Baru

Click here for English

Menjelang tahun baru, mudah untuk mengatakan
“Saya akan menyimpan lebih banyak pada tahun ini!”
 tetapi perkara yang anda mungkin tidak fikirkan ialah
“Bagaimana saya boleh menyimpan lebih banyak tahun ini? Apakah cara praktikal untuk melakukannya?”.

Tidak kira sebab apa anda menyimpan wang – sama ada untuk mencapai target simpanan, melangsaikan hutang dengan lebih cepat atau merancang untuk percutian atau rumah pertama – cadangan mudah ini akan membantu anda mencapainya dengan lebih cepat.

Dengan 16 tip mudah, pasti akan ada sekurang-kurangnya satu yang sesuai dengan anda yang boleh membantu anda untuk kekal konsisten ke arah mencapai matlamat tahun baru ini!

Manjakan diri anda dengan hadiah hari jadi yang percuma.
Kebanyakan restoran, jika anda memberitahu mereka hari ini ialah hari jadi anda, mereka akan memberikan anda sesuatu (seperti kek percuma, diskaun dan sebagainya).

Selongkar laci anda untuk mendapatkan
“gift card”
 (seperti baucar diskaun) yang masih belum digunakan. Jika anda mungkin tidak akan menggunakannya, hadiahkan atau jualkannya.

Batalkan langganan
majalah, keahlian gimnasium dan lain-lain
 sekiranya anda tidak gunanya lagi.

Tutup paip sinki apabila anda memberus gigi.
Ini boleh menjimatkan 5,000 liter air setahun, dalam masa yang sama dapat mengurangkan bil utiliti anda. Juga, jangan mandi lama sangat!

Cabut plag komputer riba anda dan peralatan lain apabila
 anda tidak menggunakannya. Meninggalkan komputer anda sepanjang hari boleh menambah sehingga ratusan ringgit bil dalam setahun.

DIY apabila ia masuk akal.
Melakukan pembaikan besar boleh menjimatkan wang anda! YouTube sahaja untuk belajar :D.

Buat senarai sebelum pergi ke kedai dan berpegang padanya
 – dan elakkan membeli-belah apabila anda lapar :D.

Beli dengan diskaun
 apabila anda berbelanja untuk pembelian besar seperti perabot dan barangan elektrik.

Pinjam
. Rakan anda mungkin memiliki pakaian sut hitam yang juga boleh anda pakai untuk acara-acara yang hanya setahun sekali :D.

Pinjam buku di perpustakaan
. Tak perlu beli :D.

Beli barangan harian seperti
 tisu dan lampin bayi
 secara pukal
.

Buat kopi sendiri,
penjimatan sehingga RM10 setiap minuman!

Berkomitmen untuk membawa bekal makan tengah hari anda.

Cari aktiviti alternatif di bandar anda,
seperti senaman pagi di taman awam berbanding dengan melanggan keahlian gim.

Sukarelawan.
 Ia merupakan aktiviti bermakna percuma dan akan membuatkan anda berasa gembira juga.

Akhirnya,

Set Target Simpanan pada akaun Raiz anda
. Ini cara mudah untuk mengukur kemajuan anda dan membuat pelarasan cepat.

Dengan mengautomasikan dan menamakan Target Simpanan anda, ini akan membantu anda mencapainya dengan lebih mudah. Dengan ciri Target Simpanan kami, anda boleh menetapkan pelaburan berkala sama dengan hari gaji anda. Raiz juga membolehkan anda membuat pelaburan harian, mingguan, dua minggu atau bulanan secara automatik.

Anda boleh set sendiri nama target untuk memastikan anda fokus pada perkara yang anda cuba capai.

Cubalah!

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).


3 Investment Lessons from Olympics

3 Investment Lessons from Olympics

The Olympics is where the world’s best athletes compete for gold medals for their countries. We can see so many superhuman actions which non-athletes (like us) can’t do.

There is a lot of lessons from the Olympics that can be applied to us when it comes to finance and investment.

1. Set a goal

If we ask every one of them whether they have a goal, surely they do. It’s not an easy task to stay disciplined, training every single day. What drives them? Their goal. It’s common for athletes to train for years prior to joining the Olympic team. They need to plan ahead to ensure that they are in their best form when competing, so that they can achieve their goal.

Likewise, saving and investing are also not easy. Especially when there are too many sales going around (7/7, 6/6, 5/5… temptations). Setting a savings goal like a home deposit or retirement fund will help you to plan ahead and train you to consistently save money.

2. Start early

It takes years of hard work to be the best. The earlier you start, the more time you have to practice and sharpen your skills. For example, the world’s best swimmer, Michael Phelps started swimming at the age of 8. At 15 years old, he became the youngest man on U.S. Olympic swim team at the 2000 Sydney Olympics.

Same goes for investing – 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.

3. Plan ahead

An Olympian does not just magically appear out of thin air. Behind the athletes’ successes are years of dedicated hard work and a lot of planning and strategizing involved.

Likewise, investing success doesn’t happen overnight. Remember, investing is not a ‘get-rich-quick’ scheme. It always requires patience (lots of them) and dedicated planning to accomplish great things. Among others, athletes train to build stamina and strength. Let’s strive to build knowledge in our investing journey.

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.


3 Simple Budgeting Tips

3 Simple Budgeting Tips

It’s commonly said that it takes money to make money. That is effectively true – those who live payslip to payslip with no spare cash have little to re-invest or save for emergency. However, if you take the time to re-evaluate your finances, you’ll realise that setting aside even the smallest of Ringgit amounts can add up over a lifetime.

Remember these 3 numbers – 50/30/20

It’s simple in principle and practice:

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

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

Save 20% for emergency, invest or your savings goal.

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

Pay yourself first

When you get your paycheck, many people make the mistake of spending first, and then saving what is left over. The problem with this is that it doesn’t guarantee any savings; your savings become dependent on how much you spend each month (and often in a rather unplanned fashion).

A better strategy is to pay yourself first by setting aside a fixed percentage of your income towards saving and investing (for example the 20% from the numbers above), and then spending with what is left over.

Automation is your friend here, which effortlessly take out the money from your bank account before you have a chance to spend it. Setting up a recurring deposit into your Raiz account is one way to do this.

Trimming the fat on your budget

If you take a bird’s-eye view of your budget, you’ll soon see that there are a few types of expenses from your pay. You can think of them as this:

Investment/Emergency funds

Essential expenses you cannot change.

Essential expenses that you can control.

Non-essentials

The key is to make your essentials are efficient as possible by finding alternatives or shopping around. For example:

Many Malaysians forget that basic household bills like electricity
, internet, and insurance can all be shopped and swapped. By switching providers, you can easily save hundreds off your annual spend!

Buy in bulk (within reason): you may look like a madman for a moment, but it pays off to buy non-quickly damaged essentials in bulk.

Try to pay for things upfront or on time – some providers will give discounts for on-time payments or bulk payments (
e.g.
 annual premiums for insurance
could
 be cheaper than monthly)

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.


3 Steps to Build Up Your Emergency Fund

3 Steps to Build Up Your Emergency Fund

It’s more important than ever to have emergency savings. Let’s do it.

 How much do you need?

It’s important to build up an emergency savings fund to prepare for the unexpected, whether that’s your car breaking down or a drop in income. A rough guide for the ideal sum to have saved is the amount you’d need to cover
three months’
essential outgoings. So, if you spend RM1,500 a month on mortgage or rent, food, bills and other things you can’t live without, aim for RM4,500 in emergency savings. But if this figure seems unrealistic, don’t be daunted by it. Even having just a small amount saved can help you avoid taking on debt if you face unexpected costs.

 How much can you save?

Work out how much you can afford to save each month. Go through your income and spending, there are many useful budget planners in app store (just search for “budget planner” for example).

See where you can cut back like if you can save on bills, for example, could you cut the cost of your phone bill by switching providers? This could be extra cash for your fund. Once you know how much you can afford to put away each month, try setting up a standing order that automatically puts money into your savings account each month to help you achieve your goal.

Try using less cash and instead more traceable sources such as debit cards, online banking and credit cards. This way you can monitor your money through statements and stay ahead of your finances.

 Remember, it takes time!

While you’ll want to get your emergency fund set up as soon as possible, like with all savings, it’s best to keep to what you can afford and make sure to save regularly.

Saving smaller but regular amounts are more effective than saving larger amounts now. This is because you
get into the habit of saving
 and also avoid overcommitting too much. It can help you budget more effectively too. Or just save what you can as regularly as you can. Every bit of cash saved makes a big difference to your financial wellbeing.

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.


4 Mitos Tentang Pelaburan

4 Mitos Tentang Pelaburan

Click here for English

Ramai di antara kita yang ingin membuat pelaburan tetapi terhenti atau terhalang disebabkan beberapa faktor. Dengar sahaja “pelaburan”, ramai yang takut dan kecut perut.

Ini mungkin disebabkan beberapa anggapan yang salah, lahir daripada pengetahuan yang kurang tentang pelaburan. Berikut adalah beberapa mitos berkenaan pelaburan yang anda patut tahu. Jom, kita belajar sama-sama!

1. Nak melabur kena banyak duit

Sebenarnya, semua orang pun boleh melabur!

Ramai di antara kita tidak melabur kerana beranggapan bahawa kita memerlukan duit yang banyak untuk melabur. Sebut sahaja pelaburan, terus terfikir “Bursa Saham”, “Wall Street”, “duit berjuta-juta”.

Terdapat banyak cara pelaburan yang membolehkan kita melabur dengan jumlah yang kecil. Contohnya, Raiz membolehkan anda melabur dengan hanya menggunakan duit baki daripada perbelanjaan harian anda. Ya, dengan duit baki pun anda boleh melabur!

2. Terlalu muda untuk melabur

Tiada sesiapa pun yang terlalu muda untuk melabur!

Bahkan, lebih awal anda bermula, lebih banyak kebaikan yang anda akan dapat. Perlu diingat bahawa pelaburan adalah untuk jangka masa yang panjang, dan bukanlah semata-mata untuk mendapatkan keuntungan secepat mungkin. Lebih panjang jangka masa anda melabur, lebih besar ‘
compounding effect
’ yang anda akan lihat.

3. Terlalu banyak risiko dalam pelaburan

Mesti pernah dengar cerita orang yang kehilangan duit kerana salah labur. Benar, dalam sesebuah pelaburan, mesti ada risiko. Ketahui apa risiko yang mampu anda ambil yang selari dengan matlamat kewangan anda. Anda mungkin boleh berjumpa dengan penasihat kewangan untuk mendapatkan nasihat.

Dan jangan lupa, sekiranya sesebuah ‘pelaburan’ itu menjanjikan pulangan yang kedengaran seperti tidak masuk akal, kemungkinan besar ianya “scam”. Jangan mudah tertipu. Yang paling penting, pastikan syarikat tersebut berdaftar dan mempunyai lesen daripada Suruhanjaya Sekuriti Malaysia.

Baca
sini
.

4. Perlukan banyak pengetahuan tentang pasaran

Benar, mempunyai ilmu pengetahuan adalah penting sebelum melabur. Tetapi kami juga faham, anda mungkin tidak mempunyai masa atau minat. Memadai dengan mempunyai pengetahuan am tentang kewangan dan pelaburan, yang lain, serahkan pada yang pakar! Banyak syarikat pengurus dana professional berlesen di luar sana – Raiz adalah salah satunya.

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).


4 Myths about Investing

4 Myths about Investing

Klik sini untuk Bahasa Melayu

A lot of us want to start investing but sometimes are hesitant. We get it, when it comes to investing your hard-earned money, misinformation or hearsay might hold you back from it. Let’s address some of the misconceptions you might have heard!

1. You must be rich to start investing

This is not true!

A lot of us think that we need to be rich to invest. Facts: You don’t need millions to start investing. Especially not now given the availability of various platforms that allow you to invest with relatively small amounts.

Take Raiz for example, you can invest as little as your spare change with us. Yes, you heard that right – you can even invest using your spare change!

2. You’re too young invest

No one is too young to invest. When it comes to investing, starting early in fact is the best! The earlier you get in, the higher likelihood you will make a better profit in the long-run. Long-term investment strategies tend to be less volatile and may help build your wealth through the effect of
compounding
.

3. Too risky for young people

We’re pretty sure the thought of losing your hard-earned money is daunting! Sure, there is always risks attached to any type of investment, no matter how safe we deem it to be. However, there are low-risk investments that you can start with especially if you’re new to investing. Try to understand the risks involved and ensure that the risks you’re taking are in accordance to your risk appetite. You can also reach out to reliable financial advisors to help you plan your investment portfolio.

And don’t forget, if an “investment” guarantees you return over a short time, or sounds too good to be true, it is most likely a scam! Don’t be fooled. The most important thing is to ensure that the company is registered and licensed under the Securities Commission of Malaysia.

Read more about security
here
.

4. You need to be knowledgeable about the market to invest

Yes, having knowledge is important when it comes to investing. However, we understand that not everyone has the time or deep interest in the subject matter. Having a general and basic knowledge about the market and investment is sufficient – the rest, leave it to the expert! There is a lot of companies offering fund management services (make sure they are licensed!) that can help you to invest, and Raiz is one of them.

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.


Raiz Rewards: 5 benda yang anda perlukan untuk Ramadan ini

Click here for English

18/03/2023

Raiz Rewards: 5 benda yang anda perlukan untuk Ramadan ini

Ramadan semakin hampir. Jom kita mula persiapkan diri dan rohani. Ambil kesempatan dengan tawaran yang sedia ada di LazMall untuk persiapan kita. Lihat cadangan kami di bawah! Sebagai bonus tambahan, dapatkan bonus tunai apabila anda membuat pembelian menggunakan “
Raiz Rewards
”. Bonus tunai anda akan dilaburkan ke dalam akaun Raiz anda secara automatik.

Pergi ke “
Raiz Rewards
” di dalam aplikasi Raiz, cari Lazada, dan klik “
Shop Online Here
”. Kami akan membawa anda ke aplikasi/laman web Lazada. Berbelanjalah seperti biasa, dan anda akan dalam perjalanan untuk menerima bonus tunai. *

Jadi, sambil anda membeli, anda melabur!

Selamat berpuasa dan selamat menyambut bulan Ramadan dari kami di Raiz!

*Tertakluk pada terma & syarat.

Kurma

Saiznya kecil, tetapi besar manfaatnya. Ianya kaya dengan nutrien, tinggi serat dan zat besi, antioksidan dan juga adalah sumber vitamin yang baik. Makanan ruji di bulan Ramadan ini akan membantu kita kekal bertenaga sepanjang hari!

Cadangan kami? Dapatkan kurma berkualiti tinggi dari
Mahnaz Food Flagship Store
 di
LazMall
 (promosi berlangsung sehingga 31 Mac 2023).

Telekung

Berterawih dengan telekung baru? Jom!

Cadangan kami? Tidak lain dan tidak bukan, telekung dari
Siti Khadijah Flagship Store
di
 LazMall
 (promosi berlangsung sehingga 31 Mac 2023).

Sejadah

Gandingkan telekung baharu anda dengan sejadah baharu semasa menunaikan ibadah.

Cadangan kami? Dapatkan sejadah yang cantik dan gebu buatan negara Turki ini daripada
M Floor – Carpets Flagship Store
 di Lazmall (promosi berlangsung sehingga 31 Mac 2023).

Kurta

Untuk kaum lelaki pula? Kurta yang selesa untuk dipakai ke masjid!

Cadangan kami? Dapatkan kurta yang diperbuat daripada kain linen ini di
INCERUN Flagship Store
 di
LazMall
 (promosi berlangsung sehingga 31 Mac 2023).

Makanan sedia untuk dimasak

Jimatkan masa dan tenaga anda di dapur untuk menyiapkan sahur dan juadah berbuka puasa dengan mendapatkan pek makanan yang sedia untuk dimasak. Ianya mudah dan cepat!

Cadangan kami? Dapatkan pes rendang dari
Brahim’s Shoppe Flagship Store
di
LazMall
. Lihat juga pelbagai sos dan pes seperti kari ayam, pes tom yam, pes sambal dan sos masak merah (promosi berlangsung sehingga 31 Mac 2023).

raiz rewards

Ingin tahu lebih lanjut?

Baca Soalan Lazim di
sini
.

Ingin menggunakan Raiz Rewards tetapi tiada aplikasi Raiz?

Muat turun dengan percuma di ‘
App
store’ atau ‘
Webapp’
menggunakan pautan di
sini.

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).


5 Easy Tips for Staying Money-Smart on Payday

Getting on top of your personal finances can be tough, and a common area where a lot of people fail is keeping their spending in check when payday rolls around.

That’s because when your salary lands in your bank account, it’s easy to spend too much and then not leave enough for savings and investing as well as all your fixed costs like rent and food.

But it doesn’t have to be this way. There are some easy tips you can follow to help manage your money around payday.

Change your payday habits

Managing your money at payday means having good routines in place. So, it’s a good idea to have a look at your usual spending habits at this time and see if anything needs to change. For instance, if you regularly spend half your pay on buying clothes online as soon as money lands in your bank account, then you probably need to reassess your spending in this area.

Indeed, if this sounds like you, it may be a good idea to schedule a different and less costly, or an activity you enjoy that won’t break your bank.

Get your priorities straight

Your spending priorities are also very important to get right on payday. Remember, if you want to manage your money smarter, and not get caught short before your next payday is due, it’s helpful to pay important things like mobile and internet, rent and insurances first.

Even better, why not consider setting up automatic deductions from your transactions account that can be timed for when your payday arrives. This will enable you to make important payments without having to lift a finger as well as more accurately budget.

Set initiative to saving

Living paycheck to paycheck makes saving money difficult as you either run out of cash before you have the chance to save, or you end up using your savings to cover regular bills.

Breaking this cycle can be tricky, but one option is to open a stand-alone savings account and then have a proportion of your salary automatically deposited into it.

What about emergencies?

Payday is not just about saving money or investing, it’s also about ensuring you’ll be okay if something unexpected happens. For many people, this means
having an emergency fund
.

When it comes to an emergency fund, how much you’ll need will differ depending on your particular circumstances. But even so, it’s a good idea to reserve some of your pay for unexpected shocks like a death in the family, a medical emergency or a one-off payment.

Want to invest? Think about automatic recurring deposits

Many people, especially millennials, want to get into investing, but may not think they have the money. This could be due in part to financial mismanagement at payday. However, the good news is that mobile apps like Raiz are making it easier than ever to invest and put your money to work.

Setting up a recurring deposit into your Raiz account on payday will automatically invest a portion of your paycheck as you go about your daily life, taking a lot of the hassle out of your hands and removing the need to make big decisions on payday.

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.


Raiz Rewards: 5 essentials you will need for Ramadan

Klik sini untuk Bahasa Melayu

18/03/2023

Raiz Rewards: 5 things you will need for Ramadan.

Now that Ramadan is just around the corner, let’s get ourselves physically (and of course, spiritually) prepared. Take of advantage of the ongoing deals from Lazmall in Lazada – see our suggestions on what to get below! On top of that, get cash bonus (or cashback) when you shop using
 “
Raiz Rewards
”
! Your cashback will get invested into your Raiz account automatically.

Just go to
“
Raiz Rewards
”
 in your app, search forLazada, and click the “
Shop Online Here
” button. We’ll direct you to the Lazada’s app or website. Shop like normal, and you will be on your way to get your cashback*.

So, as you shop, you invest!

Selamat berpuasa
 and
selamat menyambut bulan Ramadan
 from us in Raiz!

*Terms & Conditions apply.

Dates

Dates may be small, but they pack a punch. They are rich with nutrients, high in fiber, iron, antioxidants and good source of vitamins. A definite staple in Ramadan to help us stay energized throughout the day!

Our suggestion? Get your good quality, discounted dates from
Mahnaz Food Flagship Sto
re in
LazMall
 (promotion lasts until 31 March 2023).

Telekung

Terawih
 with a new
telekung
? Yes, please.

Our suggestion? None other than one of our favourite local brands – Siti Khadijah. Get 10% off for
telekung
 purchased from
Siti Khadijah Flagship Store
in
LazMall
 (promotion lasts until 31 March 2023).

Sejadah

Pair your new
telekung
 with a new comfortable
sejadah
for
terawih
 and daily prayers.

Our suggestion? Get your thick, soft and beautiful made-in-Turkey
sejadah
 from
M Floor – Carpets Flagship Store
in
LazMall
(promotion lasts until 31 March 2023).

Kurta

For the lads? A comfortable kurta to wear to the mosque!

Our suggestion? Get this discounted linen kurta from
INCERUN Flagship Store
 in
LazMall
 (promotion lasts until 31 March 2023).

Ready-to-cook meals

Getting ready-to-cook meals would save you a lot of time and energy in the kitchen for
sahur
 and
buka puasa
. They’re easy and most importantly quick!

Our suggestion? This delicious rendang paste from
Brahim’s Shoppe Flagship Store
in
LazMall
. Check out also their other ready-to-cook meals and sauces such as chicken curry, tom yam paste, sambal paste, and masak merah sauce (promotion lasts until 31 March 2023)!

raiz rewards

Need more details?

Read the FAQ on Raiz Rewards
here
.

Want to use Raiz Rewards but don’t have the Raiz App?

Download it for free in the App store or the Webapp
here.

Important Information

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

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

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


5 financial goals to set

5 financial goals to set

Klik sini untuk Bahasa Melayu

Having a few financial goals will help lay the foundation for financial security towards your retirement dream. Of course, your goals will be different depending on your situation, however, these five financial goals from Raiz can help you have a rough idea for yours.

1) Know where your money is going

You’ve undoubtedly heard people emphasising on about making a budget. However,
not everyone can stick to a budget
. Even so, knowing where your money goes is incredibly important. This will help you understand where you could be spending less money and even where you could be making more money.

This could mean tracking your income and expenses in a spreadsheet or with an app, like Raiz. If you typically use a card to pay for things, these apps can sort your expenses into categories automatically.

Ignoring your expenses can land you in difficulty, especially if you start accumulating credit card debt or “Buy Now Pay Later” debt..

2) Pay off high-interest loan

Many people have already dipped into high-interest loan, such as credit card or personal loan. It is okay but it’s important that you can pay back every month! Of course, you’ll also want to avoid getting into more debt..

3) Start investing your money

The thought of investing can be quite scary, especially when you don’t know where to start. However, using a
micro-investing platform such as Raiz
 makes it easy to invest starting with only RM5. With Raiz, you don’t have to handpick stocks on your own – we do it for you! You can decide what level of risk you’re comfortable with.

If overseas market or commodities such as Gold is a priority for you, now you can also invest towards them with
Raiz’s Custom Portfolio
.

4) Have an emergency fund

Having an emergency fund is an important safety net to have
no matter what
. Usually, a
3-month emergency fund
 is enough in the case that you lose your income suddenly. Once you know what your monthly expenses are, multiply that number by three and aim to have this amount saved. You can also use
Raiz’s Savings Goal
 to help you achieve your emergency fund quicker!

5) Take control of your retirement fund

You might think retirements are decades away. The time will come when you will no longer have work and you have to rely on your savings to continue living. With compound return, even a small difference can make you thousands ringgit more in the long-term. So
the earlier you start, the better
!

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.


5 Habits of Wealthy People

5 Habits of Wealthy People

Either spend or saving, wealthy people tend to choose saving rather than spend when they receive money.

The distinction between rich and wealthy is that getting rich is just about the gathering of cash. It can travel every which way, and on the off chance that somebody who’s rich loses their cash, they may experience difficulty recapturing that or remaking once more.

At the point when we talk about building wealth, we, for the most part, consider numbers or how we can expand our salary, how we can contribute, or how we can settle on better choices dependent on numbers. Be that as it may, well off individuals are likewise doing things that aren’t numbers centred.

However, for wealthy individuals, they have a special mindset. This blog will encounter five things that well-off individuals do all the time that make them monetarily productive. Obviously, this is certainly not an “each mogul does this” or “do these things for ensured wealthy”, it’s progressively investigating reliable practices of the best and well-off individuals.

1.
Work out

Wealthy people love to work out. They usually will find activities that can bring joy and prosperous for their health. Basically, they’re exercising for at least 30 minutes a day, and they’re doing that around four days per week. It is anything but a great deal, it is anything but an immense duty, yet look into shows that individuals who exercise have much better results as far as the manner in which that they think, getting clearness in their life, and making a decision.

There are lots of research out there on work out. I’ll let you see what you can find but work out is something that wealthy people do steadily.

Richard Branson is well-known for kite surfing and jogging. The billionaire owner of the Dallas Mavericks, Mark Cuban says he does 1 hour of cardio 6 or 7 days per week!

2. Read

Read is a necessity for wealthy people. Research has turned out saying that CEOs, top-level CEOs, are perusing overall 60 books for every year. 60 books contrasted with around a couple of that every other person peruses.

The knowledge that you get from books is mind-blowing. It’s something that you can’t get to anyplace. The deep information that you can get in your ear through book recordings is likewise an effective utilization of time! You can spend 30 minutes out of every day while you’re working out. That is wellbeing and riches in a single hit! What’s more, I’m not simply discussing fiction books either, it’s genuine or ways that you can figure out how to improve your reasoning. Do a solid blend between the two.

Bill Gates says that he reads 50 books for each year and Warren Buffet says he reads 5 to 6 hours out of every day!

3. Network.

Your network is your net worth. That means that you’re connected to other people and it opens the doors for many opportunities. Build wealth is not just sitting in your back room and keeping to yourself. You’ve got to get out there, go to events, talk to people.

A portion of my greatest deals has originated from simply going out to a systems administration occasion, trading my card, having some nourishment, and enjoying a brew with a leader. Initially, you could feel you’ve taken a stab at dropping in especially if it’s excessively occupied, however when you get eye to eye with somebody, and they can perceive what you’re similar to as an individual, that is the point at which the open doors can truly begin to open up. Along these lines, get out there and start connecting.

4. Mentors

Arnold Schwarzenegger says in his book, “There’s no one that is self-made.” Everyone has mentors, everyone has
guidances
, everyone has coaches, advisors. Find your mentors, find people who’ve been there and done that with that experience.

It doesn’t really need to be up close and personal, that is perfect, however, I comprehend that it very well may be constraining. For me growing up, I had my dad as a guide, however looking past that, regarding building wealth, I went for books.

Having those books, having those individuals that have constructed billion-dollar fortunes, and seeing what choices they make and how they work, is the thing that I’ve utilized as tutoring also.

Ask business owners or investors you look up to. Don’t be so naïve. Play it cool. Go for coffee and follow up with a few emails. But don’t come out and ask, ‘hey can you be my mentor? Be professional.

5
. Appreciation

We
althy
 individuals practice
gratitude
 consistently. There’s nothing more awful than speculation and contrasting yourself with others and saying how far you are behind. Rather than saying I don’t have this, be appreciative for what you do have. There are a lot of individuals out there who accept that you are carrying on an adaptation of their best life.

So in case you’re becoming ill and tired of getting down to business, as opposed to awakening and saying, “I need to get down to business today,” wake up and state, ” I get the chance to get down to business today,” in light of the fact that there are a lot of individuals who are out there battling that don’t have work who might want to be in your chance and exploit what you have.

P
ractice some gratitude.
It would never be a waste attitude for a human being that’s will control us to be humble.
It changes that way you think, you become much progressively happy with life, so you’re not out there pursuing the material things. Rather, you’re beginning to pursue what feeling appreciation enables you to turn into.

By building your
positive mindset
, this is the
energy
 that you
have to
 raise your
wealth
. When you’re ready to begin
do
ing
that, and sharpen that, at that point, the cash part will get simpler. It’s presumably 80% outlook and 20% procedure, so by taking a shot at your m
indset
, this will go far towards raising your
wealth
.

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.


5 matlamat kewangan untuk ditetapkan

5 matlamat kewangan untuk ditetapkan

Click here for English

Mempunyai beberapa matlamat kewangan sekarang akan membantu mengukuhkan asas ke arah kestabilan kewangan ketika persaraan anda. Sudah tentu, matlamat anda akan berbeza bergantung pada situasi, namun, lima matlamat kewangan daripada Raiz ini boleh membantu anda mempunyai idea kasar sebagai permulaan.

1) Tahu ke mana wang anda pergi

Anda pasti pernah mendengar tentang kepentingan belanjawan atau bajet. Walau bagaimanapun,
tidak semua mempunyai disiplin untuk mengikut bajet yang telah ditetapkan sendiri
! Mengetahui ke mana wang anda pergi adalah sangat penting. Ini akan membantu anda memahami di mana anda boleh mengurangkan perbelanjaan dan juga di mana anda boleh membuat simpanan.

Ini dapat dibuat dengan merekodkan pendapatan dan perbelanjaan anda dalam Excel atau menggunakan aplikasi, seperti Raiz. Jika anda biasa menggunakan kad untuk membuat pembayaran, aplikasi ini boleh mengkategorikan perbelanjaan anda secara automatik.

Mengabaikan perbelanjaan anda boleh menyebabkan anda mengalami kesukaran, terutamanya jika anda mula mengumpul hutang kad kredit atau hutang “Buy Now Pay Later”.

2) Bayar hutang berfaedah tinggi

Ramai yang telah mula berhutang – hutang dengan faedah yang tinggi, seperti kad kredit dan pinjaman peribadi. Tidak mengapa tetapi adalah penting untuk anda memenuhi pembayaran setiap bulan! Sudah tentu, anda juga perlulah mengelak daripada terlibat dalam lebih banyak hutang.

3) Mula melabur wang anda

Melabur agak menakutkan, terutamanya apabila anda tidak tahu di mana untuk bermula. Bagaimanapun, menggunakan
platform pelaburan kecil-kecilan seperti Raiz
 memudahkan anda untuk bermula melabur dengan serendah RM5. Dengan Raiz, anda tidak perlu memilih saham sendiri – kami melakukannya untuk anda! Anda boleh melabur mengikut keselasaan tahap risiko anda.

Jika pasaran antarabangsa atau komoditi seperti Emas adalah keutamaan untuk anda, anda boleh memilih
Portfolio Bolehubah Raiz
.

4) Mempunyai dana kecemasan

Mempunyai dana kecemasan adalah sesuatu yang amat penting
tidak kira apa jua situasi anda
. Biasanya,
dana kecemasan 3 bulan mencukupi
 sekiranya anda kehilangan pendapatan secara tiba-tiba. Sebaik sahaja anda mengetahui perbelanjaan bulanan anda, darabkan nombor itu dengan tiga dan jadikan ia sebagai target simpanan anda. Gunakan
fungsi Target Simpanan Raiz
 untuk membantu anda membina dana kecemasan anda!

5) Kawal dana persaraan anda

Anda mungkin merasakan dunia persaraan lama lagi. Akan tiba satu masa dimana kita akan bersara dan akan bergantung kepada wang tabungan yang ada. Tetapi dengan kuasa faedah berganda (compounding return),
bermula lebih awal adalah lebih bagus
!

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).


5 misconceptions about investing

5 misconceptions about investing

Klik sini untuk Bahasa Melayu

Thinking about investing in the share market, but there’s a voice inside your head that keeps telling you that “don’t”? Maybe you think you don’t have enough money, or perhaps you keep hearing that you might lose all you money!

Well, you’ll be glad to learn that most of these are just myths! Today, Raiz is here to help uncover five common misconceptions that should not stop you from investing in the share market.

1) “I don’t have enough money”.

A lot of people think you can only invest in the share market only if you’re rich but this is
far from the truth
. If you use a
micro-investment app
 like Raiz, you can get started with as little as your spare change! Now, everyone can invest!

2) “It can wait”.

The thing with investing in the share market is that it’s a long-term gameplan – not a way to get rich overnight. The longer you’re invested, the more chance you have for your investment to grow in value.

3) “I don’t know enough about share market”.

The good news here is that you don’t need to know too much about share market to start investing! You might have seen your friends checking the performance of different stocks and carefully handpicking which ones to invest in. But this isn’t the case anymore.

Thanks to products called unit trust funds (UTFs), you don’t have to worry about handpicking single stocks to buy. UTFs invest in a basket of shares and that is all professionally managed on your behalf.

4) “It’s too risky for me – and I am still young”.

It’s easy to understand why a lot of young people think that share trading is too risky. You’re right, shares are a high-risk asset. But the funny thing is, share trading actually becomes more and more risky the older you get.

Why? As you get older and closer to retirement, you need to focus on protecting your nest egg – not building it. Imagine if you’re in your 60s and there’s a crash in the market, you might not have enough time left to build your fund back up again…

5) “I should be saving for a house deposit instead”.

You definitely can do both at the same time! You don’t need to put your entire savings into the share market, but putting a percentage of your savings in shares while the rest stays in a low risk and stable savings account could be a good strategy to build wealth.

Shares are also generally considered a liquid asset. Meaning, they can easily be sold (you won’t be stuck holding them because you have to wait for an interested buyer) if you want to cash out. When you’re ready to buy a house, it’s simple and quick to do sell you shares to get the cash that you need.

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.


5 mitos tentang pelaburan

5 mitos tentang pelaburan

Click here for English

Ingin melabur dalam pasaran saham, tetapi terdengar bisikan “jangan”? Mungkin anda berfikir anda tidak mempunyai duit yang cukup, atau mendengar semua duit anda akan hangus!

Anda akan gembira mengetahui bahawa kebanyakan mitos tentang pelaburan ini adalah… sekadar mitos! Hari ini, Raiz akan membantu untuk mendedahkan lima mitos biasa yang tidak seharusnya menghalang anda daripada mula melabur dalam pasaran saham.

1) “Saya tidak mempunyai wang yang cukup”.

Ramai yang berfikirkan bahawa hanya golongan kaya sahaja yang mampu melabur tetapi ini
jauh dari benar
. Dengan
aplikasi pelaburan kecil-kecilan
 seperti Raiz, anda boleh melabur dengan hanya duit baki harian anda! Kini, semua orang boleh melabur!

2) “Awal lagi…”

Sebenarnya, melabur dalam pasaran saham adalah permainan jangka masa panjang. Ia bukan cara untuk menjadi kaya dalam sekelip mata. Lebih lama anda melabur, lebih banyak peluang yang anda ada untuk pelaburan anda meningkat dalam nilai.

3) “Saya tak pandai…”

Berita baik! Sebenarnya anda tidak perlu tahu semuanya tentang pasaran saham untuk mula melabur. Anda mungkin pernah lihat rakan anda yang menyelidik prestasi saham yang berbeza, dan berhati-hati memilih saham untuk melabur. Kini, ini tidak perlu lagi.

Terima kasih kepada produk yang dipanggil Dana Unit Amanah. Dana Unit Amanah memberi anda peluang untuk membeli saham-saham pelbagai syarikat dalam satu pelaburan tunggal sahaja, dan ia diuruskan oleh pengurus pelaburan professional bagi pihak anda.

4) “Ianya terlalu berisiko – dan saya masih muda.”

Sangat mudah untuk memahami mengapa ramai orang muda menganggap bahawa pelaburan saham adalah terlalu berisiko. Anda betul, saham ialah aset berisiko tinggi. Tetapi yang agak lucunya, risiko pelaburan saham sebenarnya meningkat mengikut usia anda – lebih berusia, lebih berisiko.

Mengapa? Apabila anda semakin berusia dan lebih dekat dengan persaraan, anda perlu memberi tumpuan untuk melindungi tabung persaraan yang telah sekian lama dibina – bukan baru membinanya. Bayangkan sekiranya anda berusia 60-an dan mengalami kejatuhan pasaran, anda mungkin tidak mempunyai masa yang cukup untuk membina tabungan anda kembali…

5) “Lebih baik saya simpan untuk deposit rumah.”

Anda pasti boleh melakukan kedua-duanya pada masa yang sama! Anda tidak perlu meletakkan keseluruhan simpanan anda ke dalam pasaran saham, tetapi meletakkan sebahagian peratusan sahaja manakala selebihnya kekal dalam akaun simpanan berisiko rendah dan stabil. Ini boleh menjadi strategi yang baik!

Saham juga umumnya dianggap sebagai aset cair. Bermaksud, ia boleh dijual dengan mudah (anda tidak akan tersekat memegangnya kerana terpaksa menunggu pembeli yang berminat) jika anda memerlukan wang. Bila anda sudah bersedia untuk membeli rumah, ianya mudah dan cepat untuk menjual saham anda untuk mendapatkan wang tunai yang anda perlukan.

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).


5 Ways to Achieve Your Money Saving Goals!

The start of the year is the ideal time to make some financial resolutions for 2023. One of the most common resolutions, when it comes to personal finances, is to be a better saver for the year ahead. This sounds easy in theory,

but can be harder to achieve in reality.

With that in mind, here are five simple tips to help you achieve your saving goals in 2023.

1. Have a concrete goal

It’s basic but often overlooked — you’re much more likely to shift your spending habits and get better at saving if you have something to aim at. While the particular goal is up to you
 –
it could be a holiday, a new car, or some new clothes
 –
make sure it’s clear and achievable.

2. Budget wisely

A budget is also
important
because it allows you to see where your money is going
.
 Once you’ve examined your income and expenses, you’ll be
in a position
 to know how much income you have to work with at any given time, which will help you to save more effectively in the future.

What also helps, when it comes to maximising your savings, is to look closely at your budget and figure out how much you spend on discretionary items like clothes, holidays and eating out to see where your expenses in these areas can be trimmed.

3. Analyse your expenses

While reducing expenses
opens up
 more opportunity to save, so does some lateral thinking. For instance, it’s a good idea to keep on the lookout for cheaper deals when it comes to banking, insurance providers or memberships on things like gyms and streaming services.

It also pays to stay on the lookout for cheaper brands of clothing and food
,
 as well as savings on utilities such as power or water.

4. Get out of debt

It’s simple — debt is not your friend if you’re trying to save. Indeed, you’ll be amazed how much easier saving is when you’re not fighting against spiralling debt.

If you’re in this boat, try and get across how the interest on your debt is calculated and when it’s charged as this can help you manage your repayments and avoid paying unnecessary interest. It’s also a good idea — if you have several debts – to try and pay off the debt with the highest rate of interest first.

5. Phone a friend!

Even for the most disciplined person, saving can get difficult at time
s.
That’s why it can help to team up with a family member,
friend
 or colleague who
also has a saving goal.

Still, if you do have to do it alone, think about imposing some hard spending rules on yourself. For instance, when it comes to impulse buys, one option is to impose a 24-hour ban on
splurging

the cash after it hits your account. If you impose such a “cooling-off” period on yourself, you may realise that what you wanted to buy was not so essential after all.

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.


50/30/20 Rule

50/30/20 Rule

Klik sini untuk Bahasa Melayu

The
50/30/20 rule
 is a guideline for budget allocation to plan your spending to prepare you for the future and unforeseen circumstances.

Your budget can be categorized into three simple
buckets
:

Your
necessities (50%)

Your
wants (30%)

Your
savings & investments (20%)

Your Necessities

50% of your income goes to your needs. Your necessities are expenses which are important and can’t be avoided. Examples are housing, food, transportation, medication, utility bills. Whatever that you need to survive should be parked under this category.

Your Wants

30% of your income goes to your wants. Differentiating between necessities and wants isn’t always easy. Simply put, your wants are basically anything that you can live without. They can be the money you allocate for shopping, dining out, hobbies, gym subscription, or anything “extra” that is not essential to living. Hint: Your wants typically involve something that you do for fun.

Your Savings & Investments

The balance of 20% is for your savings (including your retirement contributions), investments and paying off your debt. The aim is to create a more comfortable financial cushion in the future.

You can easily automate your savings and investments using the Raiz app by setting up a recurring investment. From the Home screen, click on Invest > Recurring. Simply choose your amount and select a frequency (daily, weekly or monthly).

Note that the percentages in the 50/30/20 are not fixed – they only act as a general guideline to help you with budgeting. You can set your own ratio that works for you to achieve your financial goals!

Don’t have the Raiz App?

Download it for free in the App store:

Important Information

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

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

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

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.


73,000 Pekerjaan Diwujudkan pada 2020

73,000 Pekerjaan Diwujudkan pada 2020

02-03-2021

Kadar pengangguran di Malaysia berada pada 4.8% pada suku terakhir 2020, dengan jumlah pengangguran pada bulan Disember 2020 mencecah 772,900 (peningkatan sebanyak 1.1% dari bulan November 2020).

Jumlah pekerjaan yang diwujudkan berkurang kepada 73,000 daripada 104,000 perkerjaan pada tahun 2019. Ini mencerminkan permintaan tenaga kerja yang berkurangan oleh sektor swasta.

Kesemua sektor ekonomi (kecuali sektor pembuatan) merekodkan penurunan dalam produktiviti kerja (per jam bekerja) pada suku terakhir 2020 akibat terkesan dengan perintah kawalan pergerakan bersyarat (PKPB).

Kesan daripada pandemik, penggunaan digital dalam perniagaan telah meningkat untuk kelangsungan perniagaan.

Amat penting untuk kita menyediakan payung sebelum hujan dengan mengumpul dana kecemasan untuk situasi yang tidak dijangka. Tabiat menabung yang konsisten pastinya akan membuahkan hasil, dan Raiz membantu anda dengan mudah. Hanya aktifkan fungsi ‘round-up’ anda, set pelaburan berkala dan lihat wang anda bertambah dari semasa-ke-semasa. Biar ianya berjalan secara automatik disebalik tabir.

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).


A Sea of Green… and Barbie, and Taylor Swift.

Klik sini untuk Bahasa Melayu

Sharing some Investing and Economic insights:

Bursa Malaysia’s KLCI recorded its first monthly +ve growth year-to-date
. Yesterday’s finish crowned a strong month for KLCI and also the major regional indexes.

But it is still 2.41% lower year-to-date. The local share market remains attractive and present opportunities for investors to benefit from the potential upside.

Taylor Swift concert tour and Barbie has been moving markets.
 Their impact appears to be showing up in economic statistics. This week, GDP or gross domestic product – considered the measure of economic growth – showed the U.S. economy grew at a rate of 2.4%, much higher than expected. What’s fuelling it is — spending. Consumers seem to be “resilient” in the face of higher prices. While spending in many categories fell — including electronics, home improvement, furniture — one area is surging: entertainment. People keep going out to eat, see concerts and movies.

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?

Taylor Swift’s Eras Tour’s concert is set to earn a record-breaking USD1 billion in sales – highest tour of all time.

Before this it was Elton John’s concert tour for USD853 million.

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.


About Red Bull and THREE things you need to know – this week (weekly ended 15/11/2022).

Klik sini untuk Bahasa Melayu

Sharing some Investing and Economic insights:

THREE things you need to know this week;

1. Oil prices fell due to a record high COVID-19 cases in major cities in China, dashing hopes of the reopening of the economy of the world’s biggest oil importer.

2. US stocks had their biggest weekly rise in months after lower than expected inflation data (7.7% in October, compared to economist’s forecasts of 7.9%) fuelled speculation that the US Federal Reserve would slow down the pace of interest rate hike.

3. Lastly, a shock to the cryptocurrency world – one of the largest crypto trading platform, FTX, filed for bankruptcy after Binance, a rival platform, pulled out from a deal to rescue the company. FTX has just been valued at US$32 billion in January this year.

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?

Red Bull
 (yes, the energy drink!) owns half of the world energy-drink market; and two Formula One racing teams.

49% of Red Bull shares is owned by Mark Mateschitz, a 30-year-old Austrian (not Australian), who inherited the shares following the death of his father last month.

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.


Active income vs Passive income

Active income vs Passive income

In the world of finance and investing, there are two main sources of income known as active and passive income. These two forms of income represent different approaches to earning money and can have a significant impact on an individual’s financial wellbeing.

For example, did you know your investment returns or dividends in Raiz would be passive income? Understanding the distinction between active income and passive income is important for anyone seeking to control their finances and work towards their saving goals.

What is Active income?

Active income
 refers to hard-earned money received from performing work such as salaries, commissions, and income from your businesses.

If you have put on some time, energy and effort towards earning that income, you know it’s active income.

While active income provides immediate financial rewards and a sense of stability, it often requires ongoing effort and time commitment. This means if you stopped working, then so will your active income from this business.

What is Passive income?

Passive income
 refers to money received from house rentals, royalties (like how Michael Jackson got paid for his music until now!) or any income that is earned regularly with little or no “active” effort.

Income you receive from investments – could be dividends, interest or capital gains – are also considered as passive income. For example, if you invest in Raiz, your passive income would be any potential dividends or capital gains from your deposits.

Benefits of Passive income?

While most people will have active income from their jobs, not all will have considered how passive income can help your financial wellbeing in the long-term. Relying solely on active income can be risky because it is dependent on your ability to work and earn money. If you experience a job loss, illness, or any other circumstance that affects your ability to work, your income could come to a halt.

Passive income plays an important role in building your savings over time. By reinvesting the profits from your passive income streams, you can leverage the power of compounding (link to compounding blog). This means that your wealth can grow more exponentially over time.

Is Active or Passive income more important?

To maximize your long-term financial wellbeing, you need both! Without active income, you may not have the initial savings to build passive income, but without passive income, your active income may not go as far as it can. By combining both active and passive income streams, you can work towards your saving goals further and faster!

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.


“Adakah selamat melabur dengan Raiz?” Baca ini.

Click here for English

13-10-2021

Ini soalan biasa dan semua orang memiliki hak untuk menanyakan soalan ini!

Dengan Raiz, bukan sahaja anda mempunyai akses kepada pelaburan dan pendidikan kewangan, tetapi kami ingin memastikan anda mempunyai keyakinan dan berasa selamat dalam kembara pelaburan yang menarik ini dengan kami!

Tetapi sebelum itu, anda perlu memahami tentang pelaburan secara umum.

Pelaburan secara umum.

Pelaburan adalah satu cara berpotensi untuk meningkatkan wang anda – dengan membeli aset dan berharap boleh menjualnya pada harga yang lebih tinggi. Aset- aset pelaburan adalah seperti saham, hartanah, dana unit amanah, emas dan sebagainya.

Sebagai contoh, anda telah membeli 1g emas dengan harga RM230. 1 minggu kemudian, harganya jatuh kepada RM210 sekilogram – jadi anda mengalami kerugian. Tetapi selepas sebulan, harganya naik sehingga RM250 sekilogram dan anda menjualnya. Sekarang anda telah membuat keuntungan RM20. Tahniah!

Jadi pelaburan anda boleh naik dan turun setiap hari – bergantung kepada pergerakan pasaran. Inilah
risiko pasaran
.

Raiz dilesenkan oleh Suruhanjaya Sekuriti Malaysia (Lesen eCMSL/A0363/2020)

Anda dapat memeriksanya
di sini
.

Pelabur Malaysia yang berurusan dengan entiti berlesen dilindungi di bawah undang-undang sekuriti Malaysia. Mereka juga dilindungi daripada pelbagai risiko, termasuk
penipuan dan pengubahan wang haram
, dan mempunyai akses kepada tuntutan undang-undang sekiranya berlaku pertikaian.

Raiz Tidak Menyimpan Wang Anda

Ia di dalam jagaan oleh Penjaga atau “Custodian” kami. Wang anda dilindungi oleh bank Penjaga kami, CIMB Bank, yang disimpan di dalam akaun amanah. CIMB Bank adalah ahli CIMB Group Holdings Berhad (“CIMB”), sebuah entiti tersenarai di Bursa Saham Malaysia. CIMB adalah penyedia perkhidmatan kewangan yang disegani.

Dalam kejadian
kebankrapan
 yang sangat tidak mungkin, wang anda tidak boleh disentuh oleh kami kerana ia milik anda. Penjaga masih akan menyimpannya supaya wang anda selamat dikembalikan kepada anda.

Tahukah Anda Raiz Menyumbang kepada Dana CMC Setiap Tahun?

Dana Pampasan Pasaran Modal (“Dana CMC”) diurus dan ditadbir oleh Perbadanan Dana Pampasan Pasaran Modal yang ditubuhkan di bawah Akta Pasaran Modal dan Perkhidmatan 2007.

Anda layak untuk menuntut daripada Dana CMC sekiranya kami menjadi bankrupt disebabkan oleh penipuan, atau salah laku jualan yang menyebabkan kami gagal membayar jumlah yang terhutang kepada anda.

Pelabur individu boleh menuntut sehingga RM100,000.

Rujuk
di sini
 untuk maklumat lanjut.

Selamat Melabur!

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).


Akaun Auto-bundar & Akaun Pembiayaan: Apa Perbezaannya?

Click here for English

17/04/2023

Akaun Auto-bundar & Akaun Pembiayaan:

Apa Perbezaanya?

Keliru dengan perbezaan di antara Akaun Auto-bundar & Akaun Pembiayaan di Raiz app anda? Ini akan membantu anda!

Akaun Auto-bundar (Round-up Account)

Akaun Auto-bundar digunakan untuk merekod transaksi pembayaran untuk pembundaran (‘
round-ups’
). Setiap kali anda membuat pembayaran menggunakan kad debit dan kredit anda, Raiz akan merekod dan membundarkan pembayaran tersebut, seterusnya melaburkan duit baki itu secara automatik.

Anda boleh memautkan;

Kad debit Maybank

Kad debit dan kredit VISA

Akaun Pembiayaan (Funding Account)

Akaun Pembiayaan digunakan untuk membiayai pelaburan anda. Setiap kali anda membuat pelaburan, debit kad anda yang telah dihubungkan kepada Akaun Pembiayaan akan dicaj.

Anda boleh memautkan;

Kad debit yang dikeluarkan di Malaysia

Tiada aplikasi Raiz lagi?

Muat turun sekarang di Apple App Store atau Google Play Store!

raiz rewards

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).


Analogies to better understand investing

Investing can be scary for those who are new to it, including getting your head around the many concepts used when discussing financial markets.

But don’t worry — getting across the basics is much easier than it may first appear. Here are some super simple analogies that can help you get across some key investing terms.

Don’t put all your eggs in one basket

When you physically put all the eggs you have in one basket, you are then at risk of dropping the basket, losing everything. Alternatively, you should put some eggs in one basket and some in another. Meaning, diversify your investment. Do not just invest in one asset. Imagine you put all your hard-earned money in Bitcoin, then the next day the price crash…

Snowball effect

Compound interest is another concept that can be a bit challenging to understand. It’s usually explained as interest that’s calculated on the initial principal amount, including all of the accumulated interest of previous periods of a deposit or loan.

If you don’t want to get confused by what it means, it might help to think about compound interest as being like a snowball rolling down a ski field — it builds and builds as it rolls.

Here’s how it works. Imagine you have RM100 with an annual interest of 10% compound interest. Your interest at the end of Year 1 will be RM10 but the overall value is RM110. The next year the interest will be RM11 and you have RM121 in your bank account. We can keep going:

End of Year 3: RM121 + RM12 = RM133; RM12 yearly interest earned

End of Year 4: RM133 + RM13 = RM146; RM13 yearly interest earned

End of Year 5: RM146 + RM15 = RM161; RM15 yearly interest earned

As you can see, with compound interest the total amount quickly gathers momentum, just like a snowball rolling down a hill.

Growing a plant

From the snow to the garden, when it comes to the concept of Ringgit cost averaging, it can be helpful to think about it like growing a plant.

An investment strategy, Ringgit cost averaging involves making regular investments over time, for example, RM100 every month, regardless of market conditions. This strategy can be smart because the short-term moves of the market, which can be volatile, are less important using this strategy given it’s based on a regular investment plan.

Like the regular care you need to give a plant to make it grow, consistent Ringgit cost averaging can be an effective way to make your investment reach its full potential.

Collecting seashells

Want to understand why some news can impact the stock market? It’s all about perception. And, although it may not seem like it at first glance, it’s a bit like collecting seashells at the beach.

At the beach, there are shells of many different colours and there’s no reason that one type of shell should be more valued by beachgoers than other types. But what if everyone starts collecting purple shells, and no one considers the other colours?

In that case, the value of the purple shells is likely to go up, despite nothing intrinsically having changed about the shells themselves — it’s all about how they’re perceived.

So, when it comes to the stock market, remember that moves in prices are often about market anticipation and perception, rather than changes in the underlying companies themselves.

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.


Kelas Aset (asset class) itu apa?

Kelas Aset (asset class) itu apa?

Click here for English

Apabila anda melabur dalam sesuatu, “sesuatu” itu adalah aset. Terdapat pelbagai jenis aset pelaburan. Portfolio pelaburan Raiz anda (Agresif / Sederhana / Konservatif) melabur dalam kelas-kelas aset ini melalui dana-dana unit amanah.

Secara amnya, ia adalah (dengan contoh);

1.
Ekuiti

Saham. Sebahagiannya boleh dibeli & dijual secara terbuka di bursa saham seperti jual beli saham di Bursa Malaysia.

2.
Bon  (atau Sukuk)

Anda meminjamkan wang kepada kerajaan atau syarikat, dan menerima pembayaran faedah daripada pinjaman tersebut.

3.
Hartanah

Rumah, tanah, kedai, pusat membeli-belah.

4.
Komoditi

Emas, minyak sawit, getah.

5.
Aset digital

Mata wang kripto (seperti Bitcoin, Ethereum).

6.
Tunai

Tunai, deposit tetap (
fixed deposit
).

7.
Aset Alternatif

Lukisan, jam tangan.

Jadi kelas aset mana yang anda pernah melabur?

Belum ada aplikasi Raiz?

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).


Aset di bawah Pengurusan PNB Meningkat pada 2020 (minggu berakhir 13/04/2021)

Berikut adalah beberapa maklumat berkenaan Pelaburan dan Ekonomi:

Permodalan Nasional Bhd (PNB) mencatatkan peningkatan 3.4% aset di bawah pengurusan kepada RM322.6 bilion pada akhir 2020 daripada RM312 bilion pada 2019 – laporan tahunan 2020 PNB.

Jumlah aset antarabangsanya juga meningkat kepada 12% daripada keseluruhan portfolio (8.5% pada 2019). Usaha kepelbagaian ke pasaran luar negara ini telah meningkatkan daya tahannya terhadap ketidaktentuan pasaran.

Axiata dan Telenor dari Norway mengumumkan rancangan penggabungan Celcom Axiata Bhd dan Digi.com Bhd untuk menjadi syarikat telekomunikasi terbesar negara, Celcom Digi Bhd (CDB) – The Edge

Penggabungan itu akan melihat kedua-dua Telenor dan Axiata mempunyai kepentingan yang sama rata 33.1% setiap satu dalam CDB. KWSP dan PNB akan mempunyai kepentingan 9.8% dan 7% setiap satu.

Celcom dan Digi bakal mempunyai penguasaan pasaran 67% pelanggan mudah alih selepas bergabung.

Senarai Bilionair Forbes 2021: Malaysia ada 16 bilionair!

Robert Kuok masih di senarai teratas rakyat Malaysia.

Tan bersaudara dari Kumpulan MR DIY juga tersenarai dengan jumlah kekayaan bersama RM11.9 bilion.

PKP-B kekal di Selangor, KL, Johor, Penang, Kelantan & Sarawak

Menteri beri amaran kemungkinan gelombang jangkitan keempat berdasarkan kadar kebolehjangkitan virus melebihi 1.0 seperti yang direkodkan Kementerian Kesihatan.

Grab dan Traveloka bersedia untuk menjadi syarikat awam – Bloomberg

E-hailing gergasi itu boleh bernilai lebih daripada US$34 bilion manakalaTraveloka yang berpangkalan di Indonesia dianggar pada AS$5 bilion.

Gojek dan e-dagang gergasi Indonesia Tokopedia dan PropertyGuru dari Singapura bakal mengikuti jejak langkah.

Definisi Minggu Ini:
Syarikat Awam

Syarikat-syarikat di mana anda boleh membeli sahamnya secara terbuka dari pasaran saham seperti Bursa Malaysia. Contoh syarikat-syarikat ini ialah Maybank, Tenaga Nasional dan Top Glove. Jadi, apabila anda membeli saham syarikat ini, anda adalah sebahagian dari pemiliknya!

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).


Bagaimana Pelaburan Duit Baki atau Auto-bundar (Round-ups) Berfungsi

Click here for English

Apakah pelaburan duit baki?

Pelaburan duit baki (selain
pelaburan sekali gus
 dan
pelaburan berkala
) adalah ciri utama Raiz untuk membantu anda menyimpan dan melabur tanpa mengubah gaya hidup anda. Ianya automatik dan mudah! Kami memberi tumpuan kepada duit baki kerana ianya mudah dan kami ingin menanamkan tabiat menyimpan dan melabur supaya anda dapat mengekalkan momentum tersebut!

Bagaimanakah ia berfungsi?

Begitu mudah!

1. Pertama, pautkan
kad debit & kredit
 anda di Akaun Auto-bundar. Anda juga boleh memautkan akaun bank dalam talian anda.

2. Seterusnya, berbelanjalah seperti biasa dengan kad tersebut atau
online banking
. Raiz kemudian akan membundarkan setiap pembelian anda ke Ringgit yg berikutnya dan melaburkan duit baki tersebut ke dalam akaun Raiz anda.

Contohnya, anda membayar secawan kopi dengan harga RM8.90 menggunakan kad bank anda, kami akan bundarkan ke RM9.00 secara automatik – jadi duit baki anda ialah 10 sen.

Anda membayar bil menggunakan
online banking
 (FPX) sebanyak RM55.20 – duit baki anda ialah 80 sen.

Kami akan terus membundarkan setiap pembelian anda. Kami akan mengumpulkan duit baki tersebut terlebih dahulu (secara maya!), dan apabila duit baki terkumpul telah mencapai sekurang-kurangnya RM5, kami akan mengambil jumlah tersebut dari bank anda, dan melaburkannya! Mudah bukan!

3. Sekarang, duduk berehat dan lihatlah bagaimana ia meningkat dari semasa ke semasa. Sambil anda berbelanja, anda menyimpan dan melabur!

Cubalah!

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
n
otis
.
Ini
akan
mempengaruhi
ketepatan
maklumat
.

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

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


Banyak hutang?

Banyak hutang?

07-09-2021 – Berikut adalah beberapa maklumat berkenaan Pelaburan dan Ekonomi:

Anda boleh menggunakan Nisbah Khidmat Hutang, atau Debt Service Ratio (DSR) untuk mengetahui sama ada anda mempunyai banyak hutang, iaitu, anda berhutang lebih daripada kemampuan. Apabila anda memohon pinjaman bank, pihak bank akan melihat DSR anda sebelum membuat keputusan untuk meluluskan pinjaman tersebut.

DSR pada dasarnya adalah nisbah hutang anda seperti bil kad kredit, pinjaman kereta, pinjaman peribadi dan lain-lain, kepada pendapatan bersih anda.

Secara umum, pengiraan DSR anda adalah;
DSR = Hutang/Pendapatan Bersih x 100
.

Sebagai contoh:

Hutang anda

Pinjaman kereta RM800, bil kad kredit RM400, pinjaman PTPTN RM150.

Jadi jumlah hutang bulanan anda = RM800 + 400 + 150 = RM1,350.

Pendapatan bersih anda

Gaji anda ialah RM5,000 sebulan.

Potongan KWSP RM450, PERKESO RM20, cukai RM380.

Jadi pendapatan bersih anda = RM5,000 – 450 – 20 – 380 = RM4,150.

DSR = RM1,350/RM4,150 x 100 = 33%
.

Bank biasanya tidak akan memberi anda pinjaman jika DSR anda lebih daripada 60%.

Jika DSR anda lebih daripada 60%, lihat strategi melunaskan hutang. Elakkan mengumpul terlalu banyak hutang. Bajet perbelanjaan bulanan anda untuk mengesan ke mana wang anda pergi dan di mana anda mampu untuk berbelanja.

Anda tahu?..

Terdapat fungsi percuma di dalam aplikasi Raiz anda, iaitu
My Finance
, yang membantu anda melihat secara mendalam cara anda berbelanja, pada masa yang sama melihat kepada potensi untuk anda menyimpan.

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).


Bayar Zakat anda melalui Raiz dan dapatkan BONUS TUNAI 1%!

Click here for English

Bayar Zakat anda melalui Raiz Rewards dan dapatkan BONUS TUNAI 1% dalam akaun Raiz anda!

Ya, betul! Apabila anda menunaikan kewajipan anda membayar Zakat melalui Raiz, anda akan menerima
bonus tunai 1%
 (daripada jumlah Zakat anda) yang akan dimasuk dan dilaburkan semula ke dalam akaun Raiz anda sepantas esoknya!

Anda melabur untuk
Akhirat
 anda, kami melabur untuk
Dunia
anda :).

Bagaimanakah cara untuk membayar Zakat melalui Raiz?

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

Cari “Zakat”.

Klik “Pay Zakat Now”.

Bayar seperti biasa.

Bonus tunai 1% anda dalam perjalanan ke dalam akaun Raiz anda!

Adakah pembayaran zakat ini 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.

Resit..?

Anda boleh mendapatkan resit rasmi dan rekod pembayaran daripada portal 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).

Adakah bonus tunai 1%  menjejaskan amaun Zakat saya?

Tidak
. Sebagai contoh, apabila anda membayar 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.

Dari mana datangnya ganjaran bonus tunai 1% ini?

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

Berapa Zakat yang perlu saya bayar?

Ia bergantung kepada beberapa faktor seperti pendapatan, perbelanjaan, liabiliti semasa, dll. Kami sarankan anda merujuk

kalkulator zakat
 ini.

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

Maklumat
Penting

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

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

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

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

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