{"url": "https://raiz.com.my/blog/16-simple-saving-tips-for-the-new-year/", "title": "16 Simple Saving Tips for the New Year", "body": "16 Simple Saving Tips for the New Year\n\n\nKlik sini untuk Bahasa Melayu\n\n\n\u00a0\n\n\nWith the new year upon us, it\u2019s easy to say\u00a0\n\u201cI will save more this year\u201d\n\u00a0but what you might not have brainstormed is\u00a0\n\u201cHow can I save more this year? What are the practical ways to go about it?\u201d\n\n\nThe good news is that even small efforts can add up to big savings over time. No matter what you\u2019re saving money for \u2014whether it\u2019s to reach a savings goal, pay off debt faster or\u00a0plan ahead\u00a0for a holiday or first home\u2014these simple suggestions will help you get there faster.\n\n\nWith\u00a0\n16\n\u00a0simple suggestions, there is\u00a0\nsurely\u00a0\nat least\u00a0\none\n\u00a0that woul\nd suit you and will\n\u00a0\nhelp you stick to your goal or resolutions this year!\n\n\n\n\n\n\nTreat yourself to a birthday freebie. \nMost restaurants, if you tell them it\u2019s your birthday, will give you a little something just for dining with them. The key is signing up\n\u00a0to be a\n\u00a0member\n\u00a0early.\n\u00a0\n\n\n Raid your drawers for unused\n gift cards.\u00a0\nIf you probably won\u2019t put them to good use, re-gift or sell them.\n\u00a0\n\n\nCancel unused subscriptions for\n\u00a0magazines, gym memberships, for example.\n\u00a0\n\n\nTurn off the tap when you brush your teeth. \nThis can save 5,000L per year, cutting down your\u00a0\nutility\n\u00a0bill. Also, take shorter showers.\n\u00a0\n\n\nUnplug your laptop and other appliances when\n\u00a0you aren\u2019t using them. Leaving your computer on all day could add up to hundreds\u00a0\nof\u00a0\nringgit\n\u00a0\nin a year.\n\u00a0\n\n\nDIY when it makes sense. \nDoing major repairs on your own won\u2019t save you money if you end up having to pay a pro to fix your shoddy work.\n\u00a0\n\n\nMake a list before hitting the store\n\u00a0and\n\u00a0stick to it\n\u2014and avoid grocery shopping when you\u2019re hungry and more likely to make impulse buys.\n\u00a0\n\n\nBuy for a discount when\n\u00a0you\u2019re shopping for big-ticket items like furniture or appliances.\n\u00a0\n\n\nBorrow\n. A friend may own a black-suit outfit you can wear to an upcoming event.\n\n\nGet books at the library instead\n\u00a0of purchasing your own copies.\n\u00a0\n\n\nBuy everyday items like\n\u00a0vegetables and baby diapers\u00a0\nin bulk.\n\u00a0\n\n\nMake your own coffee, \nsaving you up to RM10 per drink.\n\u00a0\n\n\nCommit to bringing your lunch just\n\u00a0one more day a week.\n\u00a0\n\n\nLook for alternative\n\u00a0activities\u00a0\nin your city\n, like morning workouts in public parks\n\u00a0\nas opposed to subscribing to a gym membershi\np\n.\n\u00a0\n\n\nVolunteer. \nIt\u2019s a free meaningful activity and will make you feel good too.\n\n\n\n\nFinally\n,\n\n\n\n\nCreate savings goals on your Raiz Account. \nIt\u2019s an easy way to measure your progress and make quick adjustments.\n\n\n\n\n\n\nBy 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\u00a0\npayday\n. \nRaiz \nalso \nallows you to customise investing daily, weekly, fortnightly or monthly.\n\u00a0\n\n\nYou can customise the goal name to keep you focused on what you are trying to achieve.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/16-tip-simpanan-mudah-untuk-tahun-baru/", "title": "16 Tip Simpanan Mudah untuk Tahun Baru", "body": "16 Tip Simpanan Mudah untuk Tahun Baru\n\n\nClick here for English\n\n\n\u00a0\n\n\nMenjelang tahun baru, mudah untuk mengatakan \n\u201cSaya akan menyimpan lebih banyak pada tahun ini!\u201d\n tetapi perkara yang anda mungkin tidak fikirkan ialah \n\u201cBagaimana saya boleh menyimpan lebih banyak tahun ini? Apakah cara praktikal untuk melakukannya?\u201d.\n\n\nTidak kira sebab apa anda menyimpan wang \u2013 sama ada untuk mencapai target simpanan, melangsaikan hutang dengan lebih cepat atau merancang untuk percutian atau rumah pertama \u2013 cadangan mudah ini akan membantu anda mencapainya dengan lebih cepat.\n\n\nDengan 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!\n\n\n\n\n\n\nManjakan diri anda dengan hadiah hari jadi yang percuma. \nKebanyakan restoran, jika anda memberitahu mereka hari ini ialah hari jadi anda, mereka akan memberikan anda sesuatu (seperti kek percuma, diskaun dan sebagainya).\n\n\nSelongkar laci anda untuk mendapatkan \n\u201cgift card\u201d\n (seperti baucar diskaun) yang masih belum digunakan. Jika anda mungkin tidak akan menggunakannya, hadiahkan atau jualkannya.\n\n\nBatalkan langganan \nmajalah, keahlian gimnasium dan lain-lain\n sekiranya anda tidak gunanya lagi.\n\n\nTutup paip sinki apabila anda memberus gigi. \nIni boleh menjimatkan 5,000 liter air setahun, dalam masa yang sama dapat mengurangkan bil utiliti anda. Juga, jangan mandi lama sangat!\n\n\nCabut plag komputer riba anda dan peralatan lain apabila\n anda tidak menggunakannya. Meninggalkan komputer anda sepanjang hari boleh menambah sehingga ratusan ringgit bil dalam setahun.\n\n\nDIY apabila ia masuk akal. \nMelakukan pembaikan besar boleh menjimatkan wang anda! YouTube sahaja untuk belajar :D.\n\n\nBuat senarai sebelum pergi ke kedai dan berpegang padanya\n \u2013 dan elakkan membeli-belah apabila anda lapar :D.\n\n\nBeli dengan diskaun\n apabila anda berbelanja untuk pembelian besar seperti perabot dan barangan elektrik.\n\n\nPinjam\n. Rakan anda mungkin memiliki pakaian sut hitam yang juga boleh anda pakai untuk acara-acara yang hanya setahun sekali :D.\n\n\nPinjam buku di perpustakaan\n. Tak perlu beli :D.\n\n\nBeli barangan harian seperti\n tisu dan lampin bayi\n secara pukal\n.\n\n\nBuat kopi sendiri, \npenjimatan sehingga RM10 setiap minuman!\n\n\nBerkomitmen untuk membawa bekal makan tengah hari anda.\n\n\nCari aktiviti alternatif di bandar anda, \nseperti senaman pagi di taman awam berbanding dengan melanggan keahlian gim.\n\n\nSukarelawan.\n Ia merupakan aktiviti bermakna percuma dan akan membuatkan anda berasa gembira juga.\n\n\n\n\nAkhirnya,\n\n\n\n\nSet Target Simpanan pada akaun Raiz anda\n. Ini cara mudah untuk mengukur kemajuan anda dan membuat pelarasan cepat.\n\n\n\n\n\n\nDengan 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.\n\n\nAnda boleh set sendiri nama target untuk memastikan anda fokus pada perkara yang anda cuba capai.\n\n\nCubalah!\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/3-investment-lessons-from-olympics/", "title": "3 Investment Lessons from Olympics", "body": "3 Investment Lessons from Olympics\n\n\n\u00a0\n\n\nThe\u00a0Olympics is where the world\u2019s\u00a0best athletes\u00a0compete\u00a0for gold medals\u00a0for their countries. We can see so many superhuman actions which non-athletes\u00a0(like us)\u00a0can\u2019t do.\u00a0\n\u00a0\n\n\nThere\u00a0is a lot of lessons from the Olympics that can be applied to us when it comes to finance and investment.\n\u00a0\n\n\n\u00a0\n\n\n1. Set a goal\n\n\nIf we ask every one of them whether they have a goal,\u00a0surely\u00a0they\u00a0do.\u00a0It\u2019s not an easy task to stay\u00a0disciplined, training every single day. What drives them? Their goal.\u00a0It\u2019s common for athletes to\u00a0train for years prior to joining the Olympic team. They need to\u00a0plan ahead\u00a0to ensure that they\u00a0are in their best form when competing, so that they can achieve their goal.\n\u00a0\n\n\nLikewise, saving and investing are also not easy. Especially when there are too many sales going around (7/7, 6/6, 5/5\u2026 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.\n\n\n\u00a0\n\n\n2. Start early\n\n\nIt takes years of hard work to be the best. The earlier you start, the more time you\u00a0have to\u00a0practice and sharpen your skills. For example,\u00a0the\u00a0world\u2019s\u00a0best 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.\n\u00a0\n\n\nSame\u00a0goes\u00a0for\u00a0investing\u00a0\u2013 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\u00a0\ncompounding\n. Sikit-sikit, lama-lama jadi bukit.\n\n\n\u00a0\n\n\n3. Plan ahead\n\n\nAn Olympian\u00a0does\u00a0not just magically appear out of thin air. Behind the athletes\u2019 successes are years of dedicated hard work\u00a0and a lot of planning\u00a0and strategizing involved.\n\u00a0\n\n\nLikewise, investing success doesn\u2019t happen overnight. Remember, investing is not a \u2018get-rich-quick\u2019 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\u2019s strive to build knowledge in our investing journey.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n\n\u00a0\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/3-simple-budgeting-tips/", "title": "3 Simple Budgeting Tips", "body": "3 Simple Budgeting Tips\n\n\n\u00a0\n\n\nIt\u2019s commonly said that it takes money to make money. That is effectively true \u2013 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\u2019ll realise that setting aside even the smallest of Ringgit amounts can add up over a lifetime.\n\u00a0\n\n\n\u00a0\n\n\nRemember these 3 numbers \u2013 50/30/20\n\u00a0\n\n\nIt\u2019s simple in principle and practice:\n\u00a0\n\n\n\n\nUse up to 50% of your income for what you need\n\u00a0\n\n\nAllow for up to 30% to spend on the fun stuff\n\u00a0\n\n\nSave 20% for emergency, invest or your savings goal.\n\u00a0\n\n\n\n\nThese numbers aren\u2019t necessarily fixed; however, they provide a strong foundation for building healthy financial habits to help you to set your workable\u00a0ratio based\u00a0life condition to achieve your financial goals.\n\u00a0\n\n\n\u00a0\n\u00a0\n\n\nPay yourself first\n\u00a0\n\n\nWhen you get your\u00a0paycheck, many people make the mistake of spending first, and then saving what is left over. The problem with this is that it doesn\u2019t guarantee any savings; your savings become dependent on how much you spend each month (and often in a rather unplanned fashion).\n\u00a0\n\n\nA 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.\n\u00a0\n\n\nAutomation 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.\n\u00a0\n\n\n\u00a0\n\u00a0\n\n\nTrimming the fat on your budget\n\u00a0\n\n\nIf you take a bird\u2019s-eye view of your budget, you\u2019ll soon see that there are a few types of expenses from your pay. You can think of them as this:\n\u00a0\n\n\n\n\nInvestment/Emergency funds\n\u00a0\n\n\n\n\n\n\nEssential expenses you cannot change.\n\u00a0\n\n\nEssential expenses that you can control.\n\u00a0\n\n\nNon-essentials\n\u00a0\n\n\n\n\nThe key is to make your essentials are efficient as possible by finding alternatives or shopping around. For example:\n\u00a0\n\n\nMany Malaysians forget that basic household bills like electricity\n, internet, and insurance can all be shopped and swapped. By switching providers, you can easily save hundreds off your annual spend!\n\u00a0\n\n\nBuy 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.\n\u00a0\n\n\nTry to pay for things upfront or on time \u2013 some providers will give discounts for on-time payments or bulk payments (\ne.g.\n\u00a0annual premiums for insurance\u00a0\ncould\n\u00a0be cheaper than monthly)\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/3-ways-to-build-up-your-emergency-fund/", "title": "3 Steps to Build Up Your Emergency Fund", "body": "3 Steps to Build Up Your Emergency Fund\n\n\nIt\u2019s more important than ever to have emergency savings. Let\u2019s do it.\n\n\n\n\n\u00a0\n\n\n\n\n How much do you need?\n\n\n\n\nIt\u2019s important to build up an emergency savings fund to prepare for the unexpected, whether that\u2019s your car breaking down or a drop in income. A rough guide for the ideal sum to have saved is the amount you\u2019d need to cover \nthree months\u2019 \nessential outgoings. So, if you spend RM1,500 a month on mortgage or rent, food, bills and other things you can\u2019t live without, aim for RM4,500 in emergency savings. But if this figure seems unrealistic, don\u2019t be daunted by it. Even having just a small amount saved can help you avoid taking on debt if you face unexpected costs.\n\n\n\u00a0\n\n\n\n\n How much can you save?\n\n\n\n\nWork 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 \u201cbudget planner\u201d for example).\n\n\nSee 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.\n\n\nTry 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.\n\n\n\u00a0\n\n\n\n\n Remember, it takes time!\n\n\n\n\nWhile you\u2019ll want to get your emergency fund set up as soon as possible, like with all savings, it\u2019s best to keep to what you can afford and make sure to save regularly.\n\n\nSaving smaller but regular amounts are more effective than saving larger amounts now. This is because you \nget into the habit of saving\n 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.\n\n\n\u00a0\n\n\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/4-mitos-tentang-pelaburan/", "title": "4 Mitos Tentang Pelaburan", "body": "4 Mitos Tentang Pelaburan\n\n\nClick here for English\n\n\n\u00a0\n\n\nRamai di antara kita yang ingin membuat pelaburan tetapi terhenti atau terhalang disebabkan beberapa faktor. Dengar sahaja \u201cpelaburan\u201d, ramai yang takut dan kecut perut.\n\n\n\n\nIni 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!\n\n\n\u00a0\n\n\n1. Nak melabur kena banyak duit\n\n\nSebenarnya, semua orang pun boleh melabur!\n\n\nRamai di antara kita tidak melabur kerana beranggapan bahawa kita memerlukan duit yang banyak untuk melabur. Sebut sahaja pelaburan, terus terfikir \u201cBursa Saham\u201d, \u201cWall Street\u201d, \u201cduit berjuta-juta\u201d.\n\n\nTerdapat 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!\n\n\n\u00a0\n\n\n2. Terlalu muda untuk melabur\n\n\nTiada sesiapa pun yang terlalu muda untuk melabur!\n\n\nBahkan, 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 \u2018\ncompounding effect\n\u2019 yang anda akan lihat.\n\n\n\u00a0\n\n\n3. Terlalu banyak risiko dalam pelaburan\n\n\nMesti 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.\n\n\nDan jangan lupa, sekiranya sesebuah \u2018pelaburan\u2019 itu menjanjikan pulangan yang kedengaran seperti tidak masuk akal, kemungkinan besar ianya \u201cscam\u201d. Jangan mudah tertipu. Yang paling penting, pastikan syarikat tersebut berdaftar dan mempunyai lesen daripada Suruhanjaya Sekuriti Malaysia.\n\n\nBaca \nsini\n.\n\n\n\u00a0\n\n\n4. Perlukan banyak pengetahuan tentang pasaran\n\n\nBenar, 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 \u2013 Raiz adalah salah satunya.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/4-myths-about-investing/", "title": "4 Myths about Investing", "body": "4 Myths about Investing\n\n\nKlik sini untuk Bahasa Melayu\n\n\n\u00a0\n\n\nA 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\u2019s address some of the misconceptions you might have heard!\n\n\n\n\n\u00a0\n\n\n1. You must be rich to start investing\n\n\nThis is not true!\n\n\nA lot of us think that we need to be rich to invest. Facts: You don\u2019t need millions to start investing. Especially not now given the availability of various platforms that allow you to invest with relatively small amounts.\n\n\nTake Raiz for example, you can invest as little as your spare change with us. Yes, you heard that right \u2013 you can even invest using your spare change!\n\n\n\u00a0\n\n\n2. You\u2019re too young invest\n\n\nNo 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 \ncompounding\n.\n\n\n\u00a0\n\n\n3. Too risky for young people\n\n\nWe\u2019re 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\u2019re new to investing. Try to understand the risks involved and ensure that the risks you\u2019re taking are in accordance to your risk appetite. You can also reach out to reliable financial advisors to help you plan your investment portfolio.\n\n\nAnd don\u2019t forget, if an \u201cinvestment\u201d guarantees you return over a short time, or sounds too good to be true, it is most likely a scam! Don\u2019t be fooled. The most important thing is to ensure that the company is registered and licensed under the Securities Commission of Malaysia.\n\n\nRead more about security \nhere\n.\n\n\n\u00a0\n\n\n4. You need to be knowledgeable about the market to invest\n\n\nYes, 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 \u2013 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.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/5-benda-yang-anda-perlukan-untuk-ramadan-ini/", "title": "Raiz Rewards: 5 benda yang anda perlukan untuk Ramadan ini", "body": "Raiz Rewards: 5 benda yang anda perlukan untuk Ramadan ini\n\n\n\n\n\n\n\n\n\n\n\n\nClick here for English\n\n\n18/03/2023\n\n\n\u00a0\n\n\nRaiz Rewards: 5 benda yang anda perlukan untuk Ramadan ini\n\n\n\u00a0\n\n\nRamadan 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 \u201c\nRaiz Rewards\n\u201d. Bonus tunai anda akan dilaburkan ke dalam akaun Raiz anda secara automatik.\n\n\n\n\nPergi ke \u201c\nRaiz Rewards\n\u201d di dalam aplikasi Raiz, cari Lazada, dan klik \u201c\nShop Online Here\n\u201d. Kami akan membawa anda ke aplikasi/laman web Lazada. Berbelanjalah seperti biasa, dan anda akan dalam perjalanan untuk menerima bonus tunai. *\n\n\nJadi, sambil anda membeli, anda melabur!\n\n\nSelamat berpuasa dan selamat menyambut bulan Ramadan dari kami di Raiz!\n\n\n*Tertakluk pada terma & syarat.\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nKurma\n\n\n\n\nSaiznya 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!\n\n\nCadangan kami? Dapatkan kurma berkualiti tinggi dari \nMahnaz Food Flagship Store\n di \nLazMall\n (promosi berlangsung sehingga 31 Mac 2023).\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\nTelekung\n\n\n\n\nBerterawih dengan telekung baru? Jom!\n\n\nCadangan kami? Tidak lain dan tidak bukan, telekung dari \nSiti Khadijah Flagship Store \ndi\n LazMall\n (promosi berlangsung sehingga 31 Mac 2023).\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\nSejadah\n\n\n\n\nGandingkan telekung baharu anda dengan sejadah baharu semasa menunaikan ibadah.\n\n\nCadangan kami? Dapatkan sejadah yang cantik dan gebu buatan negara Turki ini daripada \nM Floor \u2013 Carpets Flagship Store\n di Lazmall (promosi berlangsung sehingga 31 Mac 2023).\n\n\n\n\n\u00a0\n\n\n\n\nKurta\n\n\n\n\nUntuk kaum lelaki pula? Kurta yang selesa untuk dipakai ke masjid!\n\n\nCadangan kami? Dapatkan kurta yang diperbuat daripada kain linen ini di \nINCERUN Flagship Store\n di \nLazMall\n (promosi berlangsung sehingga 31 Mac 2023).\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nMakanan sedia untuk dimasak\n\n\n\n\nJimatkan 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!\n\n\nCadangan kami? Dapatkan pes rendang dari \nBrahim\u2019s Shoppe Flagship Store \ndi \nLazMall\n. Lihat juga pelbagai sos dan pes seperti kari ayam, pes tom yam, pes sambal dan sos masak merah (promosi berlangsung sehingga 31 Mac 2023).\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nIngin tahu lebih lanjut?\n\n\n\n\nBaca Soalan Lazim di \nsini\n.\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\u00a0\n\n\nIngin menggunakan Raiz Rewards tetapi tiada aplikasi Raiz?\n\n\nMuat turun dengan percuma di \u2018\nApp \nstore\u2019 atau \u2018\nWebapp\u2019 \nmenggunakan pautan di \nsini.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nMaklumat\u00a0\nPenting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\n\n\n\n\n\n\n"}
{"url": "https://raiz.com.my/blog/5-easy-tips-for-staying-money-smart-on-payday/", "title": "5 Easy Tips for Staying Money-Smart on Payday", "body": "5 Easy Tips for Staying Money-Smart on Payday\n\n\nGetting 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.\n\n\nThat\u2019s because when your salary lands in your bank account, it\u2019s 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.\n\n\nBut it doesn\u2019t have to be this way. There are some easy tips you can follow to help manage your money around payday.\n\n\n\n\n\u00a0\n\n\nChange your payday habits\n\n\nManaging your money at payday means having good routines in place. So, it\u2019s 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.\n\n\nIndeed, 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\u2019t break your bank.\n\n\n\u00a0\n\n\nGet your priorities straight\n\n\nYour 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\u2019s helpful to pay important things like mobile and internet, rent and insurances first.\n\n\nEven 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.\n\n\n\u00a0\n\n\nSet initiative to saving\n\n\nLiving 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.\n\n\nBreaking 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.\n\n\n\u00a0\n\n\nWhat about emergencies?\n\u00a0\n\n\nPayday is not just about saving money or investing, it\u2019s also about ensuring you\u2019ll be okay if something unexpected happens. For many people, this means\u00a0\nhaving an emergency fund\n.\n\u00a0\n\n\nWhen it comes to an emergency fund, how much you\u2019ll need will differ depending on your\u00a0particular circumstances. But even so, it\u2019s 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.\n\n\n\u00a0\n\n\nWant to invest? Think about automatic recurring deposits\n\u00a0\n\n\nMany 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.\n\u00a0\n\n\nSetting up a recurring deposit into your Raiz account on payday will automatically invest a portion of your\u00a0paycheck\u00a0as 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.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/5-essentials-you-will-need-for-ramadan/", "title": "Raiz Rewards: 5 essentials you will need for Ramadan", "body": "Raiz Rewards: 5 essentials you will need for Ramadan\n\n\n\n\nKlik sini untuk Bahasa Melayu\n\n\n18/03/2023\n\n\nRaiz Rewards: 5 things you will need for Ramadan.\n\n\n\u00a0\n\n\nNow that Ramadan is just around the corner, let\u2019s get ourselves physically (and of course, spiritually) prepared. Take of advantage of the ongoing deals from Lazmall in Lazada \u2013 see our suggestions on what to get below! On top of that, get cash bonus (or cashback) when you shop using\n \u201c\nRaiz Rewards\n\u201d\n! Your cashback will get invested into your Raiz account automatically.\n\n\n\n\nJust go to \n\u201c\nRaiz Rewards\n\u201d\n in your app, search forLazada, and click the \u201c\nShop Online Here\n\u201d button. We\u2019ll direct you to the Lazada\u2019s app or website. Shop like normal, and you will be on your way to get your cashback*.\n\n\nSo, as you shop, you invest!\n\n\nSelamat berpuasa\n and \nselamat menyambut bulan Ramadan\n from us in Raiz!\n\n\n*Terms & Conditions apply.\n\n\n\n\n\u00a0\n\n\n\n\nDates\n\n\n\n\nDates 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!\n\n\nOur suggestion? Get your good quality, discounted dates from \nMahnaz Food Flagship Sto\nre in \nLazMall\n (promotion lasts until 31 March 2023).\n\n\n\n\n\u00a0\n\n\n\n\nTelekung\n\n\n\n\nTerawih\n with a new \ntelekung\n? Yes, please.\n\n\nOur suggestion? None other than one of our favourite local brands \u2013 Siti Khadijah. Get 10% off for \ntelekung\n purchased from \nSiti Khadijah Flagship Store \nin \nLazMall\n (promotion lasts until 31 March 2023).\n\n\n\n\n\u00a0\n\n\n\n\n\n\nSejadah \n\n\n\n\nPair your new \ntelekung\n with a new comfortable \nsejadah \nfor \nterawih\n and daily prayers.\n\n\nOur suggestion? Get your thick, soft and beautiful made-in-Turkey \nsejadah\n from \nM Floor \u2013 Carpets Flagship Store \nin \nLazMall \n(promotion lasts until 31 March 2023).\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\nKurta \n\n\n\n\nFor the lads? A comfortable kurta to wear to the mosque!\n\n\nOur suggestion? Get this discounted linen kurta from \nINCERUN Flagship Store\n in \nLazMall\n (promotion lasts until 31 March 2023).\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\nReady-to-cook meals\n\n\n\n\nGetting ready-to-cook meals would save you a lot of time and energy in the kitchen for \nsahur\n and \nbuka puasa\n. They\u2019re easy and most importantly quick!\n\n\nOur suggestion? This delicious rendang paste from \nBrahim\u2019s Shoppe Flagship Store \nin \nLazMall\n. 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)!\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nNeed more details?\n\n\n\n\nRead the FAQ on Raiz Rewards\u00a0\nhere\n.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nWant to use Raiz Rewards but don\u2019t have the Raiz App?\n\n\nDownload it for free in the App store or the Webapp \nhere.\n\n\n\u00a0\n\n\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\n\n"}
{"url": "https://raiz.com.my/blog/5-financial-goals-to-set/", "title": "5 financial goals to set", "body": "5 financial goals to set\n\n\nKlik sini untuk Bahasa Melayu\n\n\nHaving 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.\n\n\n\n\n\u00a0\n\n\n1) Know where your money is going\n\n\nYou\u2019ve undoubtedly heard people emphasising on about making a budget. However,\u00a0\nnot everyone can stick to a budget\n. 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.\n\n\nThis 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.\n\n\nIgnoring your expenses can land you in difficulty, especially if you start accumulating credit card debt or \u201cBuy Now Pay Later\u201d debt..\n\n\n\u00a0\n\n\n2) Pay off high-interest loan\n\n\nMany people have already dipped into high-interest loan, such as credit card or personal loan. It is okay but it\u2019s important that you can pay back every month! Of course, you\u2019ll also want to avoid getting into more debt..\n\n\n\u00a0\n\n\n3) Start investing your money\n\n\nThe thought of investing can be quite scary, especially when you don\u2019t know where to start. However, using a\u00a0\nmicro-investing platform such as Raiz\n\u00a0makes it easy to invest starting with only RM5. With Raiz, you don\u2019t have to handpick stocks on your own \u2013 we do it for you! You can decide what level of risk you\u2019re comfortable with.\n\n\nIf overseas market or commodities such as Gold is a priority for you, now you can also invest towards them with \nRaiz\u2019s Custom Portfolio\n.\n\n\n\u00a0\n\n\n4) Have an emergency fund\n\n\nHaving an emergency fund is an important safety net to have \nno matter what\n. Usually, a \n3-month emergency fund\n 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 \nRaiz\u2019s Savings Goal\n to help you achieve your emergency fund quicker!\n\n\n\u00a0\n\n\n5) Take control of your retirement fund\n\n\nYou 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 \nthe earlier you start, the better\n!\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/5-habits-of-wealthy-people/", "title": "5 Habits of Wealthy People", "body": "5 Habits of Wealthy People\n\n\n\u00a0\n\n\nEither spend or saving, wealthy people tend to choose saving rather than spend when they receive money.\n\u00a0\n\n\nThe 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\u2019s rich loses their cash, they may\u00a0experience difficulty\u00a0recapturing that or remaking once more.\u00a0\n\u00a0\n\n\n\n\nAt 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\u2019t numbers centred.\u00a0\n\u00a0\n\n\nHowever, 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 \u201ceach mogul does this\u201d or \u201cdo these things for ensured wealthy\u201d, it\u2019s progressively investigating reliable practices of the best and well-off individuals.\n\u00a0\n\n\n\u00a0\n\n\n1. \nWork out\u00a0\n\u00a0\n\n\nWealthy people love to work out. They usually will find activities that can bring joy and prosperous for their health. Basically, they\u2019re exercising for at least 30 minutes a day, and they\u2019re 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.\u00a0\n\u00a0\n\n\nThere are lots of research out there on work out. I\u2019ll let you see what you can find but work out is something that wealthy people do steadily.\u00a0\n\u00a0\n\n\nRichard 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!\n\u00a0\n\n\n\u00a0\n\n\n2. Read\n\u00a0\n\n\nRead 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.\n\u00a0\n\n\nThe knowledge that you get from books is mind-blowing. It\u2019s something that you can\u2019t 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\u2019re working out. That is wellbeing and riches in a single hit! What\u2019s more, I\u2019m not simply discussing fiction books either, it\u2019s genuine or ways that you can figure out how to improve your reasoning. Do a solid blend between the two.\u00a0\u00a0\n\u00a0\n\n\nBill Gates says that he reads 50 books for each year and Warren Buffet says he reads 5 to 6 hours out of every day!\n\u00a0\n\n\n\u00a0\n\n\n3.\u202fNetwork.\n\u00a0\n\n\nYour network is your net worth. That means that you\u2019re 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\u2019ve got to get out there, go to events, talk to people.\n\u00a0\n\n\nA 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\u2019ve taken a stab at dropping in especially if it\u2019s excessively occupied, however when you get eye to eye with somebody, and they can perceive what you\u2019re 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.\n\u00a0\n\n\n\u00a0\n\n\n4.\u202fMentors\n\u00a0\n\n\nArnold Schwarzenegger says in his book, \u201cThere\u2019s no one that is self-made.\u201d Everyone has mentors, everyone has\u00a0\nguidances\n, everyone has coaches, advisors. Find your mentors, find people who\u2019ve been there and done that with that experience.\u00a0\n\u00a0\n\n\nIt doesn\u2019t 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.\u00a0\n\u00a0\n\n\nHaving 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\u2019ve utilized as tutoring also.\u00a0\n\u00a0\n\n\nAsk business owners or investors you look up to. Don\u2019t be so na\u00efve. Play it cool. Go for coffee and follow up with a few emails. But don\u2019t come out and ask, \u2018hey can you be my mentor? Be professional.\n\u00a0\n\n\n\u202f\n\u00a0\n\n\n5\n. Appreciation\u00a0\n\n\nWe\nalthy\n\u00a0individuals practice\u00a0\ngratitude\n\u00a0consistently. There\u2019s nothing more awful than speculation and contrasting yourself with others and saying how far you are behind. Rather than saying I don\u2019t 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.\n\u00a0\n\n\nSo in case you\u2019re becoming ill and tired of getting down to business, as opposed to awakening and saying, \u201cI need to get down to business today,\u201d wake up and state, \u201d I get the chance to get down to business today,\u201d in light of the fact that there are a lot of individuals who are out there battling that don\u2019t have work who might want to be in your chance and exploit what you have.\n\u00a0\n\n\nP\nractice some gratitude.\u00a0\nIt would never be a waste attitude for a human being that\u2019s will control us to be humble.\u00a0\nIt changes that way you think, you become much progressively happy with life, so you\u2019re not out there pursuing the material things. Rather, you\u2019re beginning to pursue what feeling appreciation enables you to turn into.\n\u00a0\n\n\nBy building your\u00a0\npositive mindset\n, this is the\u00a0\nenergy\n\u00a0that you\u00a0\nhave to\n\u00a0raise your\u00a0\nwealth\n. When you\u2019re ready to begin\u00a0\ndo\ning\u00a0\nthat, and sharpen that, at that point, the cash part will get simpler. It\u2019s presumably 80% outlook and 20% procedure, so by taking a shot at your m\nindset\n, this will go far towards raising your\u00a0\nwealth\n.\n\n\n\u00a0\n\n\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/5-matlamat-kewangan-untuk-ditetapkan/", "title": "5 matlamat kewangan untuk ditetapkan", "body": "5 matlamat kewangan untuk ditetapkan\n\n\nClick here for English\n\n\nMempunyai 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.\n\n\n\n\n\u00a0\n\n\n1) Tahu ke mana wang anda pergi\n\n\nAnda pasti pernah mendengar tentang kepentingan belanjawan atau bajet. Walau bagaimanapun, \ntidak semua mempunyai disiplin untuk mengikut bajet yang telah ditetapkan sendiri\n! 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.\n\n\nIni 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.\n\n\nMengabaikan perbelanjaan anda boleh menyebabkan anda mengalami kesukaran, terutamanya jika anda mula mengumpul hutang kad kredit atau hutang \u201cBuy Now Pay Later\u201d.\n\n\n\u00a0\n\n\n2) Bayar hutang berfaedah tinggi\n\n\nRamai yang telah mula berhutang \u2013 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.\n\n\n\u00a0\n\n\n3) Mula melabur wang anda\n\n\nMelabur agak menakutkan, terutamanya apabila anda tidak tahu di mana untuk bermula. Bagaimanapun, menggunakan \nplatform pelaburan kecil-kecilan seperti Raiz\n memudahkan anda untuk bermula melabur dengan serendah RM5. Dengan Raiz, anda tidak perlu memilih saham sendiri \u2013 kami melakukannya untuk anda! Anda boleh melabur mengikut keselasaan tahap risiko anda.\n\n\nJika pasaran antarabangsa atau komoditi seperti Emas adalah keutamaan untuk anda, anda boleh memilih \nPortfolio Bolehubah Raiz\n.\n\n\n\u00a0\n\n\n4) Mempunyai dana kecemasan\n\n\nMempunyai dana kecemasan adalah sesuatu yang amat penting \ntidak kira apa jua situasi anda\n. Biasanya, \ndana kecemasan 3 bulan mencukupi\n 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 \nfungsi Target Simpanan Raiz\n untuk membantu anda membina dana kecemasan anda!\n\n\n\u00a0\n\n\n5) Kawal dana persaraan anda\n\n\nAnda 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), \nbermula lebih awal adalah lebih bagus\n!\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/5-misconceptions-about-investing/", "title": "5 misconceptions about investing", "body": "5 misconceptions about investing\n\n\nKlik sini untuk Bahasa Melayu\n\n\nThinking about investing in the share market, but there\u2019s a voice inside your head that keeps telling you that \u201cdon\u2019t\u201d? Maybe you think you don\u2019t have enough money, or perhaps you keep hearing that you might lose all you money!\n\n\nWell, you\u2019ll 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.\n\n\n\n\n\u00a0\n\n\n1) \u201cI don\u2019t have enough money\u201d.\n\n\nA lot of people think you can only invest in the share market only if you\u2019re rich but this is \nfar from the truth\n. If you use a \nmicro-investment app\n like Raiz, you can get started with as little as your spare change! Now, everyone can invest!\n\n\n\u00a0\n\n\n2) \u201cIt can wait\u201d.\n\n\nThe thing with investing in the share market is that it\u2019s a long-term gameplan \u2013 not a way to get rich overnight. The longer you\u2019re invested, the more chance you have for your investment to grow in value.\n\n\n\u00a0\n\n\n3) \u201cI don\u2019t know enough about share market\u201d.\n\n\nThe good news here is that you don\u2019t 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\u2019t the case anymore.\n\n\nThanks to products called unit trust funds (UTFs), you don\u2019t 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.\n\n\n\u00a0\n\n\n4) \u201cIt\u2019s too risky for me \u2013 and I am still young\u201d.\n\n\nIt\u2019s easy to understand why a lot of young people think that share trading is too risky. You\u2019re right, shares are a high-risk asset. But the funny thing is, share trading actually becomes more and more risky the older you get.\n\n\nWhy? As you get older and closer to retirement, you need to focus on protecting your nest egg \u2013 not building it. Imagine if you\u2019re in your 60s and there\u2019s a crash in the market, you might not have enough time left to build your fund back up again\u2026\n\n\n\u00a0\n\n\n5) \u201cI should be saving for a house deposit instead\u201d.\n\n\nYou definitely can do both at the same time! You don\u2019t 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.\n\n\nShares are also generally considered a liquid asset. Meaning, they can easily be sold (you won\u2019t be stuck holding them because you have to wait for an interested buyer) if you want to cash out. When you\u2019re ready to buy a house, it\u2019s simple and quick to do sell you shares to get the cash that you need.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/5-mitos-tentang-pelaburan/", "title": "5 mitos tentang pelaburan", "body": "5 mitos tentang pelaburan\n\n\nClick here for English\n\n\nIngin melabur dalam pasaran saham, tetapi terdengar bisikan \u201cjangan\u201d? Mungkin anda berfikir anda tidak mempunyai duit yang cukup, atau mendengar semua duit anda akan hangus!\n\n\nAnda akan gembira mengetahui bahawa kebanyakan mitos tentang pelaburan ini adalah\u2026 sekadar mitos! Hari ini, Raiz akan membantu untuk mendedahkan lima mitos biasa yang tidak seharusnya menghalang anda daripada mula melabur dalam pasaran saham.\n\n\n\n\n\u00a0\n\n\n1) \u201cSaya tidak mempunyai wang yang cukup\u201d.\n\n\nRamai yang berfikirkan bahawa hanya golongan kaya sahaja yang mampu melabur tetapi ini \njauh dari benar\n. Dengan \naplikasi pelaburan kecil-kecilan\n seperti Raiz, anda boleh melabur dengan hanya duit baki harian anda! Kini, semua orang boleh melabur!\n\n\n\u00a0\n\n\n2) \u201cAwal lagi\u2026\u201d\n\n\nSebenarnya, 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.\n\n\n\u00a0\n\n\n3) \u201cSaya tak pandai\u2026\u201d\n\n\nBerita 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.\n\n\nTerima 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.\n\n\n\u00a0\n\n\n4) \u201cIanya terlalu berisiko \u2013 dan saya masih muda.\u201d\n\n\nSangat 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 \u2013 lebih berusia, lebih berisiko.\n\n\nMengapa? Apabila anda semakin berusia dan lebih dekat dengan persaraan, anda perlu memberi tumpuan untuk melindungi tabung persaraan yang telah sekian lama dibina \u2013 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\u2026\n\n\n\u00a0\n\n\n5) \u201cLebih baik saya simpan untuk deposit rumah.\u201d\n\n\nAnda 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!\n\n\nSaham 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.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/5-ways-to-achieve-your-money-saving-goals/", "title": "5 Ways to Achieve Your Money Saving Goals!", "body": "5 Ways to Achieve Your Money Saving Goals!\n\n\n\u00a0\n\n\nThe 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,\n\u00a0\nbut\u00a0can be harder to achieve in reality.\n\u00a0\n\n\nWith that in mind, here are five simple tips to help you achieve your saving goals in 2023.\n\u00a0\n\n\n\u00a0\n\n\n1. Have a concrete goal\u00a0\n\n\n\n\nIt\u2019s basic but often overlooked \u2014 you\u2019re much more likely to shift your spending habits and get better at saving if you have something to aim at. While the\u00a0particular goal\u00a0is up to you\n\u00a0\u2013\u00a0\nit could be a holiday, a new car, or some new clothes\n\u00a0\u2013\u00a0\nmake sure it\u2019s clear and achievable.\n\u00a0\n\n\n\u00a0\n\n\n2. Budget wisely\u00a0\n\n\nA budget is also\u00a0\nimportant\u00a0\nbecause it allows you to see where your money is going\n.\n\u00a0Once you\u2019ve examined your income and expenses, you\u2019ll be\u00a0\nin a position\n\u00a0to know how much income you have to work with at any given time, which will help you to save more effectively in the future.\n\u00a0\n\n\nWhat 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.\n\u00a0\n\n\n\u00a0\n\n\n3. Analyse your expenses\u00a0\n\n\nWhile reducing expenses\u00a0\nopens up\n\u00a0more opportunity to save, so does some lateral thinking. For instance, it\u2019s 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.\n\u00a0\n\n\nIt also pays to stay on the lookout for cheaper brands of clothing and food\n,\n\u00a0as well as savings on utilities such as power or water.\n\u00a0\n\n\n\u00a0\n\n\n4. Get out\u00a0of debt\u00a0\n\n\nIt\u2019s simple \u2014 debt is not your friend if you\u2019re trying to save. Indeed, you\u2019ll be amazed how much easier saving is when you\u2019re not fighting against spiralling debt.\n\u00a0\n\n\nIf you\u2019re in this boat, try and get across how the interest on your debt is calculated and when it\u2019s charged as this can help you manage your repayments and avoid paying unnecessary interest. It\u2019s also a good idea \u2014 if you have several debts \u2013 to try and pay off the debt with the highest rate of interest first.\n\u00a0\n\n\n\u00a0\n\n\n5. Phone a friend!\u00a0\n\n\nEven for the most disciplined person, saving can get difficult at time\ns.\u00a0\nThat\u2019s why it can help to team up with a family member,\u00a0\nfriend\n\u00a0or colleague who\u00a0\nalso has a saving goal.\n\u00a0\n\n\nStill, 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\u00a0\nsplurging\n\u00a0\nthe cash after it hits your account. If you impose such a \u201ccooling-off\u201d period on yourself, you may realise that what you wanted to buy was not so essential after all.\n\n\n\u00a0\n\n\n\n\n\u00a0\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/503020-rule/", "title": "50/30/20 Rule", "body": "50/30/20 Rule\n\n\nKlik sini untuk Bahasa Melayu\n\n\nThe \n50/30/20 rule\n is a guideline for budget allocation to plan your spending to prepare you for the future and unforeseen circumstances.\n\n\nYour budget can be categorized into three simple \nbuckets\n:\n\n\n\n\nYour \nnecessities (50%)\n\n\nYour \nwants (30%)\n\n\nYour \nsavings & investments (20%)\n\n\n\n\n\n\n\u00a0\n\n\nYour Necessities\n\n\n50% of your income goes to your needs. Your necessities are expenses which are important and can\u2019t be avoided. Examples are housing, food, transportation, medication, utility bills. Whatever that you need to survive should be parked under this category.\n\n\n\u00a0\n\n\nYour Wants\n\n\n30% of your income goes to your wants. Differentiating between necessities and wants isn\u2019t 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 \u201cextra\u201d that is not essential to living. Hint: Your wants typically involve something that you do for fun.\n\n\n\u00a0\n\n\nYour Savings & Investments\n\n\nThe 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.\n\n\nYou 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).\n\n\n\u00a0\n\n\nNote that the percentages in the 50/30/20 are not fixed \u2013 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!\n\n\n\u00a0\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/73000-pekerjaan-diwujudkan-pada-2020/", "title": "73,000 Pekerjaan Diwujudkan pada 2020", "body": "73,000 Pekerjaan Diwujudkan pada 2020\n\n\n02-03-2021\n\n\nKadar 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).\n\n\n\n\nJumlah pekerjaan yang diwujudkan berkurang kepada 73,000 daripada 104,000 perkerjaan pada tahun 2019. Ini mencerminkan permintaan tenaga kerja yang berkurangan oleh sektor swasta.\n\n\nKesemua 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).\n\n\nKesan daripada pandemik, penggunaan digital dalam perniagaan telah meningkat untuk kelangsungan perniagaan.\n\n\nAmat 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 \u2018round-up\u2019 anda, set pelaburan berkala dan lihat wang anda bertambah dari semasa-ke-semasa. Biar ianya berjalan secara automatik disebalik tabir.\n\n\n\u00a0\n\n\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/a-sea-of-green-and-barbie-and-taylor-swift/", "title": "A Sea of Green\u2026 and Barbie, and Taylor Swift.", "body": "A Sea of Green\u2026 and Barbie, and Taylor Swift.\n\n\nKlik sini untuk Bahasa Melayu\n\n\nSharing some Investing and Economic insights:\n\n\nBursa Malaysia\u2019s KLCI recorded its first monthly +ve growth year-to-date\n. Yesterday\u2019s finish crowned a strong month for KLCI and also the major regional indexes.\n\n\n\n\nBut 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.\n\n\n\u00a0\n\n\nTaylor Swift concert tour and Barbie has been moving markets.\n Their impact appears to be showing up in economic statistics. This week, GDP or gross domestic product \u2013 considered the measure of economic growth \u2013 showed the U.S. economy grew at a rate of 2.4%, much higher than expected. What\u2019s fuelling it is \u2014 spending. Consumers seem to be \u201cresilient\u201d in the face of higher prices. While spending in many categories fell \u2014 including electronics, home improvement, furniture \u2014 one area is surging: entertainment. People keep going out to eat, see concerts and movies.\n\n\n\u00a0\n\n\nRaiz is about helping you save & invest more \u2013 being \nable to save 5% of your salary every month is better\n than earning 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).\n\n\n\u00a0\n\n\nDo you know?\n\n\nTaylor Swift\u2019s Eras Tour\u2019s concert is set to earn a record-breaking USD1 billion in sales \u2013 highest tour of all time.\n\n\nBefore this it was Elton John\u2019s concert tour for USD853 million.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/about-red-bull-and-three-things-you-need-to-know-this-week-weekly-ended-15-11-2022/", "title": "About Red Bull and THREE things you need to know \u2013 this week (weekly ended 15/11/2022).", "body": "About Red Bull and THREE things you need to know \u2013 this week (weekly ended 15/11/2022).\n\n\nKlik sini untuk Bahasa Melayu\n\n\nSharing some Investing and Economic insights:\n\n\n\n\nTHREE things you need to know this week;\n\n\n1. 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\u2019s biggest oil importer.\n\n\n2. US stocks had their biggest weekly rise in months after lower than expected inflation data (7.7% in October, compared to economist\u2019s forecasts of 7.9%) fuelled speculation that the US Federal Reserve would slow down the pace of interest rate hike.\n\n\n3. Lastly, a shock to the cryptocurrency world \u2013 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.\n\n\n\u00a0\n\n\nRaiz is about helping you save & invest more \u2013 being\n able to save 5% of your salary is better\n than earning 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).\n\n\n\u00a0\n\n\nDo you know?\n\n\nRed Bull\n (yes, the energy drink!) owns half of the world energy-drink market; and two Formula One racing teams.\n\n\n49% 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.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/active-income-vs-passive-income/", "title": "Active income vs Passive income", "body": "Active income vs Passive income\n\n\nIn 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\u2019s financial wellbeing.\n\n\nFor 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.\n\n\n\n\n\n\n\u00a0\n\n\nWhat is Active income?\n\n\nActive income\n refers to hard-earned money received from performing work such as salaries, commissions, and income from your businesses.\n\n\nIf you have put on some time, energy and effort towards earning that income, you know it\u2019s active income.\n\n\nWhile 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.\n\n\n\u00a0\n\n\nWhat is Passive income?\n\n\nPassive income\n 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 \u201cactive\u201d effort.\n\n\nIncome you receive from investments \u2013 could be dividends, interest or capital gains \u2013 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.\n\n\n\u00a0\n\n\nBenefits of Passive income?\n\n\nWhile 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.\n\n\nPassive 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.\n\n\n\u00a0\n\n\nIs Active or Passive income more important?\n\n\nTo 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!\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/adakah-selamat-melabur-dengan-raiz-baca-ini/", "title": "\u201cAdakah selamat melabur dengan Raiz?\u201d Baca ini.", "body": "\u201cAdakah selamat melabur dengan Raiz?\u201d Baca ini.\n\n\nClick here for English\n\n\n13-10-2021\n\n\nIni soalan biasa dan semua orang memiliki hak untuk menanyakan soalan ini!\n\n\nDengan 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!\n\n\nTetapi sebelum itu, anda perlu memahami tentang pelaburan secara umum.\n\n\n\n\n\u00a0\n\n\nPelaburan secara umum.\n\n\nPelaburan adalah satu cara berpotensi untuk meningkatkan wang anda \u2013 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.\n\n\nSebagai contoh, anda telah membeli 1g emas dengan harga RM230. 1 minggu kemudian, harganya jatuh kepada RM210 sekilogram \u2013 jadi anda mengalami kerugian. Tetapi selepas sebulan, harganya naik sehingga RM250 sekilogram dan anda menjualnya. Sekarang anda telah membuat keuntungan RM20. Tahniah!\n\n\nJadi pelaburan anda boleh naik dan turun setiap hari \u2013 bergantung kepada pergerakan pasaran. Inilah \nrisiko pasaran\n.\n\n\n\u00a0\n\n\nRaiz dilesenkan oleh Suruhanjaya Sekuriti Malaysia (Lesen eCMSL/A0363/2020)\n\n\nAnda dapat memeriksanya \ndi sini\n.\n\n\nPelabur Malaysia yang berurusan dengan entiti berlesen dilindungi di bawah undang-undang sekuriti Malaysia. Mereka juga dilindungi daripada pelbagai risiko, termasuk \npenipuan dan pengubahan wang haram\n, dan mempunyai akses kepada tuntutan undang-undang sekiranya berlaku pertikaian.\n\n\n\u00a0\n\n\nRaiz Tidak Menyimpan Wang Anda\n\n\nIa di dalam jagaan oleh Penjaga atau \u201cCustodian\u201d kami. Wang anda dilindungi oleh bank Penjaga kami, CIMB Bank, yang disimpan di dalam akaun amanah. CIMB Bank adalah ahli CIMB Group Holdings Berhad (\u201cCIMB\u201d), sebuah entiti tersenarai di Bursa Saham Malaysia. CIMB adalah penyedia perkhidmatan kewangan yang disegani.\n\n\nDalam kejadian \nkebankrapan\n 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.\n\n\n\u00a0\n\n\nTahukah Anda Raiz Menyumbang kepada Dana CMC Setiap Tahun?\n\n\nDana Pampasan Pasaran Modal (\u201cDana CMC\u201d) diurus dan ditadbir oleh Perbadanan Dana Pampasan Pasaran Modal yang ditubuhkan di bawah Akta Pasaran Modal dan Perkhidmatan 2007.\n\n\nAnda 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.\n\n\nPelabur individu boleh menuntut sehingga RM100,000.\n\n\nRujuk \ndi sini\n untuk maklumat lanjut.\n\n\nSelamat Melabur!\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/akaun-auto-bundar-round-up-account-akaun-pembiayaan-funding-account-apa-perbezaannya/", "title": "Akaun Auto-bundar & Akaun Pembiayaan: Apa Perbezaannya?", "body": "Akaun Auto-bundar & Akaun Pembiayaan: Apa Perbezaannya?\n\n\n\u00a0\n\n\nClick here for English\n\n\n17/04/2023\n\n\n\u00a0\n\n\nAkaun Auto-bundar & Akaun Pembiayaan:\n\n\nApa Perbezaanya?\n\n\n\u00a0\n\n\nKeliru dengan perbezaan di antara Akaun Auto-bundar & Akaun Pembiayaan di Raiz app anda? Ini akan membantu anda!\n\n\n\u00a0\n\n\nAkaun Auto-bundar (Round-up Account)\n\n\nAkaun Auto-bundar digunakan untuk merekod transaksi pembayaran untuk pembundaran (\u2018\nround-ups\u2019\n). 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.\n\n\nAnda boleh memautkan;\n\n\n\n\nKad debit Maybank\n\n\nKad debit dan kredit VISA\n\n\n\n\n\u00a0\n\n\nAkaun Pembiayaan (Funding Account)\n\n\nAkaun Pembiayaan digunakan untuk membiayai pelaburan anda. Setiap kali anda membuat pelaburan, debit kad anda yang telah dihubungkan kepada Akaun Pembiayaan akan dicaj.\n\n\nAnda boleh memautkan;\n\n\n\n\nKad debit yang dikeluarkan di Malaysia\n\n\n\n\n\u00a0\n\n\n\n\nTiada aplikasi Raiz lagi?\n\n\nMuat turun sekarang di Apple App Store atau Google Play Store!\n\n\n\u00a0\n\n\nraiz rewards\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/analogies-to-better-understand-investing/", "title": "Analogies to better understand investing", "body": "Analogies to better understand investing\n\n\n\u00a0\n\n\nInvesting can be scary for those who are new to it, including getting your head around the many concepts used when discussing financial markets.\n\u00a0\n\n\nBut don\u2019t worry \u2014 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.\n\n\n\n\n\u00a0\n\n\nDon\u2019t put\u00a0all\u00a0your eggs in one basket\n\u00a0\n\n\nWhen you\u00a0physically put all the eggs\u00a0you\u00a0have in one basket, you are\u00a0then at risk of dropping the basket, losing everything. Alternatively, you should put some eggs in one basket and some in another. Meaning,\u00a0diversify\u00a0your investment. Do not just invest in one asset. Imagine you put all your\u00a0hard-earned\u00a0money in Bitcoin, then the next day the price crash\u2026\n\u00a0\n\n\n\u00a0\n\u00a0\n\n\nSnowball effect\n\u00a0\n\n\nCompound interest is another concept that can be a bit challenging to understand. It\u2019s usually explained as interest that\u2019s calculated on the initial principal amount, including\u00a0all of\u00a0the accumulated interest of previous periods of a deposit or loan.\n\u00a0\n\n\nIf you don\u2019t 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 \u2014 it builds and builds as it rolls.\n\u00a0\n\n\nHere\u2019s 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\u00a0RM11\u00a0and you have RM121 in your bank account. We can keep going:\n\u00a0\n\n\n\n\n\n\n\n\nEnd of Year 3: RM121 + RM12 = RM133; RM12 yearly interest earned\n\n\nEnd of Year 4: RM133 + RM13 = RM146; RM13 yearly interest earned\n\n\nEnd of Year 5: RM146 + RM15 = RM161; RM15 yearly interest earned\n\u00a0\n\n\n\n\n\n\n\n\nAs you can see, with compound interest the total amount quickly gathers momentum, just like a snowball rolling down a hill.\n\u00a0\n\n\n\u00a0\n\n\nGrowing a plant\n\u00a0\n\n\nFrom 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.\n\u00a0\n\n\nAn 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\u2019s based on a regular investment plan.\n\u00a0\n\n\nLike 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.\n\u00a0\n\n\n\u00a0\n\u00a0\n\n\nCollecting seashells\n\u00a0\n\n\nWant to understand why some news can impact the stock market? It\u2019s all about perception. And, although it may not seem\u00a0like\u00a0it at first glance, it\u2019s a bit like collecting seashells at the beach.\n\u00a0\n\n\nAt the beach, there are shells of many different colours and there\u2019s 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?\n\u00a0\n\n\nIn that case, the value of the purple shells is likely to go up, despite nothing intrinsically having changed about the shells themselves \u2014 it\u2019s all about how they\u2019re perceived.\n\u00a0\n\n\nSo, 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.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/apa-itu-kelas-aset/", "title": "Kelas Aset (asset class) itu apa?", "body": "Kelas Aset (asset class) itu apa?\n\n\nClick here for English\n\n\n\u00a0\n\n\nApabila anda melabur dalam sesuatu, \u201csesuatu\u201d 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.\n\n\n\n\nSecara amnya, ia adalah (dengan contoh);\n\n\n\u00a0\n\n\n1. \nEkuiti\n\n\nSaham. Sebahagiannya boleh dibeli & dijual secara terbuka di bursa saham seperti jual beli saham di Bursa Malaysia.\n\n\n\u00a0\n\n\n2. \nBon\u00a0 (atau Sukuk)\n\n\nAnda meminjamkan wang kepada kerajaan atau syarikat, dan menerima pembayaran faedah daripada pinjaman tersebut.\n\n\n\u00a0\n\n\n3. \nHartanah\n\n\nRumah, tanah, kedai, pusat membeli-belah.\n\n\n\u00a0\n\n\n4. \nKomoditi\n\n\nEmas, minyak sawit, getah.\n\n\n\u00a0\n\n\n5. \nAset digital\n\n\nMata wang kripto (seperti Bitcoin, Ethereum).\n\n\n\u00a0\n\n\n6. \nTunai\n\n\nTunai, deposit tetap (\nfixed deposit\n).\n\n\n\u00a0\n\n\n7. \nAset Alternatif\n\n\nLukisan, jam tangan.\n\n\n\u00a0\n\n\nJadi kelas aset mana yang anda pernah melabur?\n\n\n\u00a0\n\n\n\n\nBelum ada aplikasi Raiz?\n\u00a0\n\n\nMuat turun sekarang:\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/aset-di-bawah-pengurusan-pnb-meningkat-pada-2020/", "title": "Aset di bawah Pengurusan PNB Meningkat pada 2020 (minggu berakhir 13/04/2021)", "body": "Aset di bawah Pengurusan PNB Meningkat pada 2020 (minggu berakhir 13/04/2021)\n\n\n\u00a0\n\n\nBerikut adalah beberapa maklumat berkenaan Pelaburan dan Ekonomi:\n\n\n\n\n\n\nPermodalan Nasional Bhd (PNB) mencatatkan peningkatan 3.4% aset di bawah pengurusan kepada RM322.6 bilion pada akhir 2020 daripada RM312 bilion pada 2019 \u2013 laporan tahunan 2020 PNB.\n\n\n\nJumlah 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.\n\n\n\n\n\n\n\n\n\n\nAxiata dan Telenor dari Norway mengumumkan rancangan penggabungan Celcom Axiata Bhd dan Digi.com Bhd untuk menjadi syarikat telekomunikasi terbesar negara, Celcom Digi Bhd (CDB) \u2013 The Edge\n\n\n\nPenggabungan 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.\n\n\nCelcom dan Digi bakal mempunyai penguasaan pasaran 67% pelanggan mudah alih selepas bergabung.\n\n\n\n\n\n\n\n\n\n\nSenarai Bilionair Forbes 2021: Malaysia ada 16 bilionair!\n\n\n\nRobert Kuok masih di senarai teratas rakyat Malaysia.\n\n\nTan bersaudara dari Kumpulan MR DIY juga tersenarai dengan jumlah kekayaan bersama RM11.9 bilion.\n\n\n\n\n\n\n\n\n\n\nPKP-B kekal di Selangor, KL, Johor, Penang, Kelantan & Sarawak\n\n\n\nMenteri beri amaran kemungkinan gelombang jangkitan keempat berdasarkan kadar kebolehjangkitan virus melebihi 1.0 seperti yang direkodkan Kementerian Kesihatan.\n\n\n\n\n\n\n\n\n\n\nGrab dan Traveloka bersedia untuk menjadi syarikat awam \u2013 Bloomberg\n\n\n\nE-hailing gergasi itu boleh bernilai lebih daripada US$34 bilion manakalaTraveloka yang berpangkalan di Indonesia dianggar pada AS$5 bilion.\n\n\nGojek dan e-dagang gergasi Indonesia Tokopedia dan PropertyGuru dari Singapura bakal mengikuti jejak langkah.\n\n\n\n\n\n\n\n\n\nDefinisi Minggu Ini: \nSyarikat Awam\n\n\nSyarikat-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!\n\n\n\u00a0\n\n\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/bagaimana-pelaburan-duit-baki-atau-auto-bundar-round-ups-berfungsi/", "title": "Bagaimana Pelaburan Duit Baki atau Auto-bundar (Round-ups) Berfungsi", "body": "Bagaimana Pelaburan Duit Baki atau Auto-bundar (Round-ups) Berfungsi\n\n\nClick here for English\n\n\n\u00a0\n\n\nApakah pelaburan duit baki?\n\n\nPelaburan duit baki (selain \npelaburan sekali gus\n dan \npelaburan berkala\n) 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!\n\n\n\n\n\u00a0\n\n\nBagaimanakah ia berfungsi?\n\n\nBegitu mudah!\n\n\n1. Pertama, pautkan \nkad debit & kredit\n anda di Akaun Auto-bundar. Anda juga boleh memautkan akaun bank dalam talian anda.\n\n\n\n\n2. Seterusnya, berbelanjalah seperti biasa dengan kad tersebut atau \nonline banking\n. Raiz kemudian akan membundarkan setiap pembelian anda ke Ringgit yg berikutnya dan melaburkan duit baki tersebut ke dalam akaun Raiz anda.\n\n\nContohnya, anda membayar secawan kopi dengan harga RM8.90 menggunakan kad bank anda, kami akan bundarkan ke RM9.00 secara automatik \u2013 jadi duit baki anda ialah 10 sen.\n\n\nAnda membayar bil menggunakan \nonline banking\n (FPX) sebanyak RM55.20 \u2013 duit baki anda ialah 80 sen.\n\n\nKami 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!\n\n\n\n\n\u00a0\n\n\n3. Sekarang, duduk berehat dan lihatlah bagaimana ia meningkat dari semasa ke semasa. Sambil anda berbelanja, anda menyimpan dan melabur!\n\n\n\n\nCubalah!\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di \nlaman \nweb \nini \nadalah \nnasihat \numum \nsahaja\n. \nIni \nbermakna \nia \ntidak \nmempertimbangkan \nobjektif \npelaburan\n, \nkeadaan \nkewangan \natau \nkeperluan \npelaburan \nseseorang\n.\n\n\nSekiranya \nanda \nseorang \npelabur\n, \nanda \nharus \nberjumpa \ndengan \npenasihat \nberlesen \nanda \nsebelum \nmenggunakan \napa-apa \nmaklumat \nyang \nterdapat \ndalam \nartikel \nini \nuntuk \nmemahami \nsepenuhnya \nmanfaat \ndan \nrisiko \nyang \nberkaitan \ndengan \nproduk \nRaiz.\n\u00a0\n\n\nMaklumat di \nlaman \nweb \nini \nadalah \nsulit\n. \nIa \ntidak \nboleh \nditerbitkan \nsemula\n, \ndiedarkan \natau \ndidedahkan \nkepada \norang lain. Maklumat \ntersebut \nberdasarkan \nandaian \natau \nkeadaan \npasaran \nyang \nberubah \ntanpa \nn\notis\n. \nIni \nakan \nmempengaruhi \nketepatan \nmaklumat\n.\n\u00a0\n\n\nDalam \napa \njua \nkeadaan \nmaklumat \nyang \nakan \ndigunakan \noleh, \natau \ndisampaikan \nkepada\n, \nseseorang \nuntuk \ntujuan \nmembuat \nkeputusan \nmengenai \npelaburan \ndi Raiz, p\nrestasi \npulangan \nmasa \nlalu \nproduk \nRaiz \ntidak \nboleh \ndi\njadikan \npanduan \ns\nemasa \nmembuat \nkeputusan \nuntuk \nmelabur \ndalam \nRaiz dan \nbukan \nperamal \nprestasi \nmasa \ndepan \nyang \nbaik\n.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/banyak-hutang/", "title": "Banyak hutang?", "body": "Banyak hutang?\n\n\n07-09-2021 \u2013 Berikut adalah beberapa maklumat berkenaan Pelaburan dan Ekonomi:\n\n\n\n\n\n\nAnda 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.\n\n\n\n\n\n\nDSR pada dasarnya adalah nisbah hutang anda seperti bil kad kredit, pinjaman kereta, pinjaman peribadi dan lain-lain, kepada pendapatan bersih anda.\n\n\n\n\n\n\nSecara umum, pengiraan DSR anda adalah; \nDSR = Hutang/Pendapatan Bersih x 100\n.\n\n\n\n\n\n\nSebagai contoh:\n\n\n\nHutang anda\n\n\n\nPinjaman kereta RM800, bil kad kredit RM400, pinjaman PTPTN RM150.\n\n\nJadi jumlah hutang bulanan anda = RM800 + 400 + 150 = RM1,350.\n\n\n\n\n\n\nPendapatan bersih anda\n\n\n\nGaji anda ialah RM5,000 sebulan.\n\n\nPotongan KWSP RM450, PERKESO RM20, cukai RM380.\n\n\nJadi pendapatan bersih anda = RM5,000 \u2013 450 \u2013 20 \u2013 380 = RM4,150.\n\n\n\n\n\n\nDSR = RM1,350/RM4,150 x 100 = 33%\n.\n\n\n\n\n\n\n\n\n\n\nBank biasanya tidak akan memberi anda pinjaman jika DSR anda lebih daripada 60%.\n\n\n\n\n\n\nJika 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.\n\n\n\n\n\u00a0\n\n\nAnda tahu?..\n\n\nTerdapat fungsi percuma di dalam aplikasi Raiz anda, iaitu \nMy Finance\n, yang membantu anda melihat secara mendalam cara anda berbelanja, pada masa yang sama melihat kepada potensi untuk anda menyimpan.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/bayar-zakat-anda-melalui-raiz-rewards-dan-dapatkan-bonus-tunai-1-dalam-akaun-raiz-anda/", "title": "Bayar Zakat anda melalui Raiz dan dapatkan BONUS TUNAI 1%!", "body": "Bayar Zakat anda melalui Raiz dan dapatkan BONUS TUNAI 1%!\n\n\nClick here for English\n\n\n\u00a0\n\n\nBayar Zakat anda melalui Raiz Rewards dan dapatkan BONUS TUNAI 1% dalam akaun Raiz anda!\n\n\n\u00a0\n\n\nYa, betul! Apabila anda menunaikan kewajipan anda membayar Zakat melalui Raiz, anda akan menerima \nbonus tunai 1%\n (daripada jumlah Zakat anda) yang akan dimasuk dan dilaburkan semula ke dalam akaun Raiz anda sepantas esoknya!\n\n\nAnda melabur untuk \nAkhirat\n anda, kami melabur untuk \nDunia \nanda :).\n\n\n\n\n\u00a0\n\n\nBagaimanakah cara untuk membayar Zakat melalui Raiz?\n\n\n\n\nLog masuk ke aplikasi Raiz anda dan pergi ke bahagian Raiz Rewards.\n\n\nCari \u201cZakat\u201d.\n\n\nKlik \u201cPay Zakat Now\u201d.\n\n\nBayar seperti biasa.\n\n\n\n\nBonus tunai 1% anda dalam perjalanan ke dalam akaun Raiz anda!\n\n\n\n\n\u00a0\n\n\nAdakah pembayaran zakat ini ditolak daripada akaun Raiz saya?\n\n\nTidak. \nApabila anda membayar zakat melalui Raiz, ianya BUKAN ditolak daripada akaun Raiz anda. Ianya akan ditolak dari kad debit anda.\n\n\n\u00a0\n\n\nResit..?\n\n\nAnda boleh mendapatkan resit rasmi dan rekod pembayaran daripada portal portal \nzakat2u\n PPZ-MAIWP dalam masa \n3 hari\n setelah pembayaran dibuat. Pastikan anda mempunyai akaun dengan PPZ-MAIWP (anda hanya perlu daftar jika anda belum ada).\n\n\n\u00a0\n\n\nAdakah bonus tunai 1% \u00a0menjejaskan amaun Zakat saya?\n\n\nTidak\n. 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.\n\n\n\u00a0\n\n\nDari mana datangnya ganjaran bonus tunai 1% ini?\n\n\nBonus tunai ini adalah adalah \ntajaan dari pihak Raiz\n, bukan PPZ-MAIWP.\n\n\n\u00a0\n\n\nBerapa Zakat yang perlu saya bayar?\n\n\nIa bergantung kepada beberapa faktor seperti pendapatan, perbelanjaan, liabiliti semasa, dll. Kami sarankan anda merujuk\n \nkalkulator zakat\n ini.\n\n\n\u00a0\n\n\nKlik \nsini\n untuk soalan lazim dan layari juga \nwww.raiz.com.my\n untuk maklumat lanjut tentang Raiz.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di \nlaman \nweb \nini \nadalah \nnasihat \numum \nsahaja\n. \nIni \nbermakna \nia \ntidak \nmempertimbangkan \nobjektif \npelaburan\n, \nkeadaan \nkewangan \natau \nkeperluan \npelaburan \nseseorang\n.\n\n\nSekiranya\u00a0\nanda\u00a0\nseorang\u00a0\npelabur\n,\u00a0\nanda\u00a0\nharus\u00a0\nberjumpa\u00a0\ndengan\u00a0\npenasihat\u00a0\nberlesen\u00a0\nanda\u00a0\nsebelum \nmenggunakan a\npa-apa \nmaklumat \nyang \nterdapat \ndalam \nartikel \nini \nuntuk \nmemahami \nsepenuhnya \nmanfaat \ndan \nrisiko \nyang \nberkaitan \ndengan\u00a0\nproduk\u00a0\nRaiz.\n\u00a0\n\n\nMaklumat di \nlaman \nweb \nini \nadalah \nsulit\n. \nIa \ntidak \nboleh \nditerbitkan \nsemula\n, \ndiedarkan \natau \ndidedahkan \nkepada \norang lain. Maklumat \ntersebut \nberdasarkan \nandaian \natau \nkeadaan \npasaran \nyang \nberubah \ntanpa \nn\notis\n. \nIni \nakan \nmempengaruhi \nketepatan\u00a0\nmaklumat\n.\n\u00a0\n\n\nDalam\u00a0\napa\u00a0\njua\u00a0\nkeadaan\u00a0\nmaklumat\u00a0\nyang\u00a0\nakan\u00a0\ndigunakan\u00a0\noleh,\u00a0\natau\u00a0\ndisampaikan\u00a0\nkepada\n, \nseseorang \nuntuk \ntujuan \nmembuat \nkeputusan \nmengenai \npelaburan \ndi Raiz, p\nrestasi \npulangan \nmasa \nlalu \nproduk \nRaiz \ntidak \nboleh \ndi\njadikan \npanduan \ns\nemasa \nmembuat \nkeputusan \nuntuk \nmelabur \ndalam \nRaiz dan \nbukan \nperamal \nprestasi \nmasa \ndepan \nyang \nbaik\n.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/bayar-zakat-fitrah-dengan-raiz/", "title": "Bonus 2% dengan Zakat Fitrah 2023 \u2013 hanya dengan Raiz!", "body": "Bonus 2% dengan Zakat Fitrah 2023 \u2013 hanya dengan Raiz!\n\n\nClick here for English\n\n\n\u00a0\n\n\nAnda kini boleh membayar Zakat Fitrah melalui Raiz!\n\n\nApabila anda menunaikan kewajipan membayar zakat melalui Raiz, anda akan menerima \nbonus tunai \n1%\n 2%\n yang akan dimasukkan terus ke dalam akaun Raiz anda. \nJuga untuk semua jenis zakat!\n\n\nBayaran akan ditolak terus dari kad debit anda yang dihubungkan ke akaun Raiz anda sebagai Akaun Pembiayaan (\nFunding Account\n). \n\n\nBagaimanakah cara untuk membayar Zakat melalui Raiz?\n\n\n\n\nLog masuk ke aplikasi Raiz anda dan pergi ke bahagian \nRaiz Rewards\n.\n\n\nCari \u201c\nZakat\n\u201d dan klik \u201c\nPay Zakat Now\n\u201d.\n\n\nLetakkan \njumlah bayaran\n, pilih \u201c\nZakat Fitrah\n\u201d sebagai jenis zakat dan setkan tahun pada \n2023\n.\n\n\nTekan \u201c\nBayar\n\u201d (pastikan anda telah memautkan Akaun Pembiayaan!).\n\n\n\n\n\n\nUntuk lihat status pembayaran Zakat anda, pergi ke skrin Zakat dan tekan \u201c\nView Past Payments\n\u201d. Resit akan dihantar terus oleh pihak PPZ-MAIWP.\n\n\nUntuk setiap pembayaran yang berjaya, anda akan mendapat 2% bonus tunai yang akan dimasukkan terus ke dalam akaun Raiz anda \nsepantas esoknya\n!\n\n\nAnda melabur untuk\u00a0Akhirat\u00a0anda, kami melabur untuk\u00a0Dunia\n\u00a0\nanda \ud83d\ude42\n\n\nSelamat Berpuasa dan Selamat Menyambut Bulan Ramadan 2023 dari kami di Raiz!\n\n\n\u00a0\n\n\nBerpeluang memenangi 1,000x baucar KFC apabila anda membayar Zakat Fitrah melalui Raiz!\n\u00a0Klik \nsini\n untuk maklumat lebih lanjut.\n\n\n\u00a0\n\n\nKlik \nsini\n untuk soalan lazim dan layari juga \nwww.raiz.com.my\n untuk maklumat lanjut tentang Raiz.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di \nlaman \nweb \nini \nadalah \nnasihat \numum \nsahaja\n. \nIni \nbermakna \nia \ntidak \nmempertimbangkan \nobjektif \npelaburan\n, \nkeadaan \nkewangan \natau \nkeperluan \npelaburan \nseseorang\n.\n\n\nSekiranya\u00a0\nanda\u00a0\nseorang\u00a0\npelabur\n,\u00a0\nanda\u00a0\nharus\u00a0\nberjumpa\u00a0\ndengan\u00a0\npenasihat\u00a0\nberlesen\u00a0\nanda\u00a0\nsebelum \nmenggunakan a\npa-apa \nmaklumat \nyang \nterdapat \ndalam \nartikel \nini \nuntuk \nmemahami \nsepenuhnya \nmanfaat \ndan \nrisiko \nyang \nberkaitan \ndengan\u00a0\nproduk\u00a0\nRaiz.\n\u00a0\n\n\nMaklumat di \nlaman \nweb \nini \nadalah \nsulit\n. \nIa \ntidak \nboleh \nditerbitkan \nsemula\n, \ndiedarkan \natau \ndidedahkan \nkepada \norang lain. Maklumat \ntersebut \nberdasarkan \nandaian \natau \nkeadaan \npasaran \nyang \nberubah \ntanpa \nn\notis\n. \nIni \nakan \nmempengaruhi \nketepatan\u00a0\nmaklumat\n.\n\u00a0\n\n\nDalam\u00a0\napa\u00a0\njua\u00a0\nkeadaan\u00a0\nmaklumat\u00a0\nyang\u00a0\nakan\u00a0\ndigunakan\u00a0\noleh,\u00a0\natau\u00a0\ndisampaikan\u00a0\nkepada\n, \nseseorang \nuntuk \ntujuan \nmembuat \nkeputusan \nmengenai \npelaburan \ndi Raiz, p\nrestasi \npulangan \nmasa \nlalu \nproduk \nRaiz \ntidak \nboleh \ndi\njadikan \npanduan \ns\nemasa \nmembuat \nkeputusan \nuntuk \nmelabur \ndalam \nRaiz dan \nbukan \nperamal \nprestasi \nmasa \ndepan \nyang \nbaik\n.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/beginners-guide-to-a-portfolio/", "title": "Beginner\u2019s guide to a portfolio", "body": "Beginner\u2019s guide to a portfolio\n\n\nKlik sini untuk Bahasa Melayu\n\n\n03-11-2021\n\n\nThe word \u201cportfolio\u201d is used regularly but some have a way of making things sound more complicated than they are. If you haven\u2019t had a financial portfolio, or don\u2019t know much about them, there is no need to be intimidated! A portfolio is just a collection of items or works. If it was a fashion designer, his portfolio would be a collection of his designs.\n\n\nIn financial terms, a portfolio is simply a collection of investments held by one person. Let us guide you in a simple term so that you understand how a portfolio at Raiz can help you reach your investment goals.\n\n\n\n\n\u00a0\n\n\nWhat is a portfolio at Raiz?\n\n\nA portfolio at Raiz is made up of one or more unit trust funds\n\n\n\u00a0\n\n\nWhat is a Unit Trust Fund?\n\n\nA unit trust fund pools money from many investors and invests in many assets; or portfolio of assets. Some funds are mainly made up of stocks, some are mainly made up of bonds, and some are a combination of the two. You can think of one fund itself as a portfolio! Funds are usually setup with a clearly defined objective such as for capital appreciation or income generation etc.\n\n\n\u00a0\n\n\nHow do I know what is in each fund?\n\n\nYou can visit the fund factsheet of each of the fund to find out the top holdings. The top holdings can also be viewed from the Raiz app in the Portfolio screen\n\n\n\u00a0\n\n\nDo I need to choose which funds are in my portfolio?\n\n\nNo. The benefit of the approach at Raiz is that for all our portfolios, you do not need to pick which funds to include. Rather, the portfolios have already been built by our team for you. For example, your Raiz portfolio has 80% Fund ABC and 20% Fund XYZ.\n\n\n\u00a0\n\n\nHow can I tell what the level of risk is?\n\n\nRaiz has portfolio ranging from Conservative to Aggressive, which gives an indication of the risk profile of that portfolio. If you use our Custom Portfolio option, it comes with an inbuilt risk scale feature, giving an illustration of how risky your portfolio is.\n\n\n\u00a0\n\n\nRisk Scale\n\n\nHow can I see the performance of my Raiz portfolio?\n\n\nThis is where Raiz makes it easy for you to see how much you have invested, what your account balance is, and what your investment returns are \u2013 all at the click of a button.\n\n\n\n\nCan I change my portfolio?\n\n\nYes. You have the option to switch to another portfolio which has not been recommended to you, at any time. Please be reminded that as each portfolio carries different levels of risk, you may be exposed to risks that are below or above your risk tolerance if you change your portfolio. No fees will be charged for portfolio switching.\n\n\n\u00a0\n\n\nNow, do you feel more confident financially?\n\n\nWe certainly hope that you do! We have many \nblogs\n to help you feel confident financially, and we hope that whatever your investment goal is, there is a Raiz portfolio to help you reach it!\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/bekerja-untuk-wang-biarkan-wang-pula-bekerja-untuk-anda/", "title": "Bekerja untuk wang? Biarkan wang pula bekerja untuk anda!", "body": "Bekerja untuk wang? Biarkan wang pula bekerja untuk anda!\n\n\n\u00a0\n\n\nFalsafah Raiz: Melabur secara kerap walaupun kecil\u00a0\n\n\nSetakat ini kita telah belajar apa itu pelaburan, belanjawan dan simpanan, dan konsep risiko. Hari ini, hari ke-4 Pendidikan Pelaburan, kami akan menerangkan beberapa konsep yang dapat membantu pelabur menguruskan risiko dan mencapai matlamat pelaburan serta simpanan mereka dengan lebih berkesan.\n\n\n\n\n\u00a0\n\n\nPerkataan Hari Ini: BKBA\n\n\nAkronim singkatan dari Bebas Kewangan, Bersara Awal.\n\n\n\u00a0\n\n\nPemurataan Kos Ringgit atau \u201cRinggit Cost Averaging\u201d\n\n\nFalsafah Raiz adalah melabur sejumlah kecil secara kerap, walaupun pada ketika pasaran merosot, kerana ini dapat membantu anda menghadapi pasaran yang tidak menentu dan merupakan salah satu kunci untuk memiliki keseimbangan yang lebih baik dalam jangka masa panjang. Prinsip ini dikenali sebagai Pemurataan Kos Ringgit.\n\n\nApakah maksudnya? Contohnya, katakan anda mempunyai RM1,000 untuk melabur. Daripada melaburkan semuanya sekaligus, anda boleh melaburkan RM100 setiap bulan selama 10 bulan, walaupun terdapat perubahan dalam nilai pasaran.\n\n\nDengan RM100 sebulan, sekiranya saham berharga RM10 pada bulan pertama, anda akan membeli 10 unit. Sekiranya pada bulan kedua saham berharga RM5, anda akan membeli 20 unit, dan seterusnya.\n\n\nAkhirnya, anda akan membeli lebih banyak unit saham apabila harga lebih rendah dan lebih sedikit saham ketika harga agak tinggi.\n\n\n\u00a0\n\n\nFaedah Berganda \u2013 Kiraan yang menakjubkan\n\n\nFaedah berganda berlaku apabila anda membiarkan pulangan pelaburan berkembang sehingga anda memperoleh keuntungan atas keuntungan anda. Diberikan cukup masa untuk berkembang, faedah berganda berpotensi untuk mencapai tahap di mana wang anda bekerja untuk memberikan sebahagian besar pendapatan anda. Graf di bawah menunjukkan potensi pertumbuhan simpanan pelaburan sebanyak RM1,000 setahun selama 30 tahun, dengan anggaran pulangan 7% setahun**.\n\n\n\n\n\u00a0\n\n\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/belajar-apa-itu-bursa-saham-bursa-malaysia-mr-diy/", "title": "Belajar apa itu bursa saham, Bursa Malaysia & Mr DIY", "body": "Belajar apa itu bursa saham, Bursa Malaysia & Mr DIY\nClick here for English\n\n\nMari sama-sama kita belajar benda paling asas dalam Pelaburan:\n\n\nBursa saham\n bertindak sebagai pasar di mana pembeli saham berhubung dengan penjual saham. Saham boleh dibeli dan dijual di beberapa bursa. Di Malaysia kita ada \nBursa Malaysia\n. Di AS, terdapat Bursa Saham New York (NYSE).\n\n\nSaham di sini bermaksud \nekuiti\n.\n\n\nSaham pertama kali tersedia di bursa saham apabila syarikat meletakkan saham-sahamnya di bursa saham; ini adalah tawaran awam permulaan \n(IPO)\n. Sebagai contoh, syarikat Mr DIY Group Bhd membuat IPO pada Okt 2020, meletakkan 941.49 juta sahamnya di Bursa Malaysia.\n\n\nAnda, sebagai pelabur, kemudiannya membeli saham tersebut. Dan selepas itu ada orang lain menawarkan untuk membeli saham tersebut pada harga yang lebih tinggi.\u00a0 Perbezaan ini adalah \nkeuntungan\n anda (tetapi jika anda menjualnya dengan harga yang lebih rendah, itu adalah kerugian anda).\n\n\nApabila anda membeli saham ini, anda sebenarnya menjadi \npemilik\n kecil Mr DIY\ud83d\ude0a\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/beli-belah-dan-dapatkan-ganjaran/", "title": "Apa itu Raiz Rewards: Beli-belah & dapatkan bonus tunai!", "body": "Apa itu Raiz Rewards: Beli-belah & dapatkan bonus tunai!\n\n\nClick here for English\n\n\nRaiz Rewards\n\u00a0ialah ganjaran \nbonus tunai\n yang akan anda dapat semula \n(cashback)\n apabila anda membeli-belah dengan rakan jenama kami melalui Raiz. Bonus tunai ini kemudiannya akan dimasukkan ke dalam akaun Raiz anda. Itulah \nRaiz Rewards\n!\n\n\n\u00a0\n\n\n\n\nBagaimana \nRaiz Rewards\n berfungsi?\u00a0\n\n\nLangkah 1:\n Pergi ke bahagian \u2018Raiz Rewards\u2019 dalam aplikasi Raiz.\n\n\nLangkah 2:\n Cari jenama yang ingin dibeli, kemudian klik butang \u201cShop Online Here\u201d. Anda akan dibawa ke laman web / aplikasi jenama tersebut dan membeli-belah seperti biasa.\n\n\nSila pastikan anda tidak menekan mana-mana pautan luaran yang lain, dan juga pelayar internet anda tidak di dalam mod privasi \n(incognito)\n.\n\n\nMudah!\n\n\n\u00a0\n\n\nBilakah anda akan dapat bonus tunai \u2018Raiz Rewards\u2019 anda?\n\n\nAnda bakal menerima bonus tunai selepas membuat pembelian ini \u2013\u00a0 mengikut terma & syarat setiap jenama. Harap maklum, ianya mungkin mengambil masa yang agak lama daripada apa yang anda jangkakan, kerana rakan jenama kami perlu mengambil kira tempoh pembatalan/ pulang balik/ pertukaran. Ini mungkin mengambil masa sehingga 150 hari.\n\n\nJadi semak terma & syarat bagi setiap jenama sebelum membuat pembelian untuk mengetahui syarat-syarat kelayakan dan tempoh masa yang akan diambil untuk bonus tunai ada dilaburkan ke dalam akaun Raiz anda.\n\n\n\u00a0\n\n\nDari mana datangnya bonus tunai untuk \u2018Raiz Rewards\u2019?\n\n\nRakan jenama membayar kami peratusan tertentu (atau jumlah tetap tertentu) bagi setiap pembelian anda, dan kami akan menggunakannya untuk memberikan bonus tunai kepada anda.\n\n\n\u00a0\n\n\nRakan jenama apa yang ada?\u00a0\n\n\nKami bekerjasama dengan banyak jenama tempatan & antarabangsa \u2013 Shopee, Lazada antaranya \u2014 juga merangkumi pelbagai kategori, termasuk fesyen, teknologi, sukan dan banyak lagi.\n\n\nKami juga sentiasa menambah rakan jenama baru, jadi pastikan anda menyemak aplikasi Raiz anda dari semasa ke semasa. Juga nantikan sebarang komunikasi melalui emel dan media sosial kami tentang rakan jenama baru. Ini bermakna anda mempunyai lebih banyak peluang untuk mendapatkan banyak bonus tunai dalam akaun Raiz anda!\n\n\n\u00a0\n\n\nBeli-belah sekarang dan dapatkan bonus tunai!\n\n\n\u00a0\n\n\nRR\n\n\nIngin tahu lebih lanjut mengenai \u2018Raiz Rewards\u2019?\n\n\nBaca Soalan Lazim \ndi sini\n.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/belum-yakin-untuk-melabur-mari-mulakan-dengan-langkah-yang-kecil/", "title": "Belum yakin untuk melabur? Mari mulakan dengan langkah yang kecil!", "body": "Belum yakin untuk melabur? Mari mulakan dengan langkah yang kecil!\n\n\nClick here for English\n\n\n\n\n\u00a0\n\n\nAnda rasa anda \u201ctidak yakin untuk melabur\u201d? Jika jawapan anda ya, anda tidak berseorangan! Tinjauan yang dilakukan oleh Raiz baru-baru ini mendapati ramai yang belum melabur kerana masih kurang keyakinan.\n\n\n\n\nTinjauan yang sama juga menunjukkan ramai yang merancang untuk mula melabur pada tahun 2022. Jadi, bagaimana untuk mengimbangi kurangnya keyakinan untuk melabur dengan keinginan untuk mula melabur? Dan bagaimana pula untuk meningkatkan keyakinan dengan syarikat pelaburan seperti Raiz?\n\n\n\u00a0\n\n\nMula dengan langkah kecil\n\n\nJika anda bermula dengan jumlah yang kecil, contohnya melabur RM5 seminggu, anda boleh mula memahami cara pasaran saham berfungsi dan bagaimana ia dipengaruhi oleh berita dan peristiwa yang sedang berlaku.\n\n\nPelaburan auto-bundar kami membolehkan and mula melabur dengan duit baki. Auto-bundar akan berjalan secara automatik disebalik tabir setiap kali anda berbelanja, tanpa memberi kesan terhadap gaya hidup. Ini adalah di antara cara yang terbaik untuk berjinak-jinak dengan pelaburan.\n\n\n\u00a0\n\n\nTetapkan target simpanan\n\n\nMenetapkan target boleh membantu untuk mencapai tujuan anda. Merancang percutian pada tahun 2022? Ingin menyimpan untuk deposit rumah impian anda? Mempunyai perancangan unutk mengumpul jumlah yang anda perlukan dan bila anda memerlukannya dapat membantu meningkatkan fokus dalam kembara pelaburan anda.\n\n\nAnda boleh menetapkan target simpanan dalam aplikasi Raiz. Dengan menetapkan pelaburan berkala (auto-labur) \u2013 samada harian, mingguan, setiap dua minggu, atau bulanan \u2013 ia akan membantu anda menjejaki kemajuan anda dan jangkaan untuk mencapai matlamat tersebut.\n\n\n\n\nUntuk lebih memahami, apa kata anda buat pengeluaran yang kecil?\n\n\nDengan aplikasi Raiz, ia hanya mengambil dua klik sahaja untuk mengeluarkan wang anda.\n\nTiada caj yang dikenakan untuk membuat pengeluaran daripada Raiz. Dengan membuat pengeluaran yang kecil selepas anda membuat beberapa pelaburan, anda akan mula belajar tentang proses yang terlibat apabila anda menjual pelaburan anda. Anda juga dapat memahami tempoh masa yang diambil untuk menjual pelaburan anda, dan masa yang diperlukan untuk wang tersebut kembali kepada anda.\n\n\nMengembalikan wang anda melibatkan beberapa perkara: penjualan pelaburan anda, pemindahan hasil penjualan kepada \u2018custodian\u2019, dan seterusnya ke akaun bank anda. Ia mengambil masa sehingga 4 hari bekerja untuk wang itu sampai kepada akaun bank anda.\n\n\nDengan melalui proses pengeluaran ini buat kali pertama, anda akan mula memahami proses yang terlibat.\n\n\n\u00a0\n\n\nKetahui lebih lanjut betapa seriusnya kami berkenaan isu keselamatan di Raiz\n\n\nRaiz dilesenkan oleh Suruhanjaya Sekuriti Malaysia (Lesen eCMSL/A0363/2020) atau SC. Pelabur yang berurusan dengan entiti berlesen dilindungi di bawah undang-undang sekuriti Malaysia. Mereka juga dilindungi daripada pelbagai jenis risiko, termasuk penipuan dan pengubahan wang haram, dan mempunyai akses kepada tindakan undang-udang sekiranya berlaku pertikaian.\n\n\nRaiz juga tidak menyimpan wang anda. Ia di dalam jagaan \u2018custodian bank\u2019, CIMB Bank, yang disimpan di dalam akaun amanah.\n\n\nSekiranya muflis (walau kebarangkaliannya sangat rendah), wang anda tidak boleh disentuh oleh kami kerana ia milik anda. \u2018Custodian bank\u2019 akan memegang wang anda supaya ia selamat dikembalikan kepada anda.\n\n\nKami memandang serius isu keselamatan maklumat peribadi dan wang anda. Semua data telah dikodkan dan tahap sekuriti kami setaraf dengan bank. Tiada maklumat yang disimpan dalam telefon bimbit anda, jadi anda tidak perlu risau sekiranya telefon bimbit anda hilang kerana akaun Raiz anda masih selamat.\n\n\nKetenangan fikiran anda adalah keutamaan kami. Lihat \nvideo pendek\n ini untuk meningkatkan keyakinan anda untuk melabur dengan Raiz.\n\n\n\u00a0\n\n\nTeruskan belajar\n\n\nBaca lebih banyak blog dan artikel. Belajar sesuatu yang baru setiap hari. Dengan membiasakan diri mempelajari tentang pelaburan, sedikit demi sedikit anda akan meningkatkan keyakinan anda.\n\n\n\u00a0\n\n\nKeyakinan meningkat seiring masa\n\n\nJangan rasa tertekan sekiranya proses ini terasa lambat dan mengambil masa. Ia tidak akan berlaku dalam sekelip mata, tetapi dengan pembelajaran yang konsisten dan pendedahan kepada pasaran melalui aplikasi Raiz, kami percaya anda akan lebih menjadi lebih yakin!\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/bina-portfolio-pelaburan-anda-sendiri-dengan-portfolio-bolehubah/", "title": "Miliki lebih kawalan sendiri dengan Portfolio Bolehubah", "body": "Miliki lebih kawalan sendiri dengan Portfolio Bolehubah\n\n\nClick here for English\n\n\n27-10-2021 (\ndikemaskini 10-03-2022\n)\n\n\nKami gembira melihat ramai Raizers telah dapat mengembangkan pengalaman kewangan mereka dalam pelaburan dan meningkatkan pengetahuan mereka dari blog kami. Kami juga telah menerima maklum balas bahawa mereka mahu mempunyai lebih banyak kawalan ke atas peruntukan portfolio mereka. Jadi\u2026 Kami teruja untuk memberitahu anda bahawa sekarang anda boleh berbuat demikian, dengan Portfolio Bolehubah kami!\n\n\n\n\n\u00a0\n\n\nApa itu Portfolio Bolehubah?\n\n\nTidak seperti tiga portfolio standard tersedia, Portfolio Bolehubah membolehkan anda menetapkan sendiri peratusan setiap dana dalam portfolio anda.\n\n\nDana-dana dalam Portfolio Bolehubah adalah;\n\n\n\n\nDana Aberdeen Standard Islamic World Equity\n\n\nDana UOB United-i Global Balanced (Shariah)\n\n\nDana UOB United-i ESG Series \u2013 High Quality Sukuk\n\n\nDana Affin Hwang Shariah Gold Tracker\n\n\nDana Affin Hwang Aiiman Money Market\n\n\n\n\n\u00a0\n\n\nBagaimanakah saya boleh menukar kepada Portfolio Bolehubah ini?\n\n\nAnda boleh berbuat demikian dengan pergi ke Home > Labur > Portfolio.\n\n\nPerlukan bantuan? Klik \ndi sini\n untuk menonton video!\n\n\n\n\nPilihan adalah milik anda\n\n\nPortfolio Bolehubah kami memberikan anda lebih banyak kawalan ke atas bagaimana anda melabur.\n\n\nNamun begitu, kerana anda perlu memilih portfolio ini, ianya mungkin tidak sesuai untuk semua orang. Sila baca \nTerma dan Syarat\n kami untuk memastikan sama ada ia sesuai untuk anda.\n\n\n\u00a0\n\n\nAdakah Portfolio Bolehubah sesuai untuk saya?\n\n\nSeperti mana-mana produk kewangan, kami mengesyorkan anda membaca \nTerma dan Syarat\n untuk melihat sama ada Portfolio Bolehubah ini sesuai untuk anda. Anda boleh menukar kembali kepada salah satu daripada tiga portfolio standard Raiz dengan mudah pada bila-bila masa seperti biasa.\n\n\nBaca lebih lanjut mengenai soalan-soalan lazim \ndi sini\n.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/bond-sukuk-apa-tu/", "title": "Bon / Sukuk: Apa tu?", "body": "Bon / Sukuk: Apa tu?\n\n\n\u00a0\n\n\n\n\nApa itu Bon?\n\n\n\nIa adalah hutang \u2013 apabila pelabur memberi pinjaman kepada syarikat atau kerajaan. Jadi, pelabur bon dibayar faedah ke atas pinjaman tersebut.\n\n\nFikirkan tentang ini \u2013 anda meminjam dari bank. Jadi, bank dibayar faedah.\n\n\nBon mempunyai penarafan, contohnya AAA \u2013 ia menunjukkan keupayaan kewangan syarikat untuk membayar pelabur.\n\n\nBon patuh Shariah digelar Sukuk. Sukuk membentuk sebahagian besar pasaran bon Malaysia.\n\n\nSehingga 31 Mei 2021, saiz pasaran bon Malaysia ialah RM1.68 trilion \u2013 Hub Info Bon BNM.\n\n\nSalah satu dana di bawah portfolio Raiz, dana ASN Sara 1, melabur 56% dalam bon (pada 31 Mei 2021).\n\n\n\n\n\n\n\n\n\n\n\n\nMengapa syarikat mengeluarkan bon / sukuk?\n\n\n\nSyarikat-syarikat menerbitkan bon / sukuk untuk mendapatkan wang untuk membiayai projek-projek baru, membiayai operasi dan mengembangkan perniagaan.\n\n\nIa juga merupakan cara alternatif bagi syarikat untuk mendapatkan wang selain daripada mendapatkan pinjaman bank atau menerbitkan saham-saham baru.\n\n\n\n\n\n\n\n\n\n\nMengapa kerajaan mengeluarkan bon / sukuk?\n\n\n\nKerajaan menerbitkan bon / sukuk untuk mendapatkan wang bagi perbelanjaan pembangunan negara dan modal kerja kerajaan.\n\n\nSekuriti Kerajaan Malaysia (MGS) dan Terbitan Pelaburan Kerajaan (GII), yang merupakan bon jangka panjang, diterbitkan oleh kerajaan Malaysia untuk mendapatkan wang bagi perbelanjaan pembangunan.\n\n\nBil Perbendaharaan Malaysia (MTB) dan Bil Perbendaharaan Islam Malaysia (MITB) adalah bon jangka pendek yang diterbitkan untuk memenuhi keperluan modal kerja kerajaan.\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/bond-sukuk-what-is-it/", "title": "Bond / Sukuk: What is it?", "body": "Bond / Sukuk: What is it?\n\n\n\u00a0\n\n\n\n\nWhat is Bond?\n\n\n\nIt is a debt \u2013 a loan from investors to a company or government. So, bond investors are paid interest.\n\n\nThink about this \u2013 a loan from bank to you. So, banks are paid interest.\n\n\nBonds have a rating, for example AAA \u2013 it indicates the financial strength of the company to pay the investors.\n\n\nSukuk, or Shariah-compliant bonds, form a large portion of the Malaysian bond market.\n\n\nAs at 31 May 2021, Malaysian bond market size is RM1.68 trillion \u2013 BNM\n\n\nOne of the funds under Raiz portfolios, ASN Sara 1 fund, invested 56% in\u00a0bonds\u00a0(as at 31 May 2021).\n\n\n\n\n\n\n\n\n\n\n\n\nWhy do companies issue bonds / sukuk?\n\n\n\nCompanies issue bonds / sukuk to raise money to finance new projects, maintain ongoing operations and expand the business.\n\n\nThis is another way to raise funds aside from going to the banks or issuing new shares.\n\n\nWhy does the government issue bonds / sukuk?\n\n\nGovernment issue bonds / sukuk to raise money for development expenditures and working capital.\n\n\nMalaysian Government Securities (MGS) and Government Investment Issues (GII), which are long-term bonds, are issued by the Malaysian government to raise money for development expenditures.\n\n\nMalaysian Treasury Bills (MTB) and Malaysian Islamic Treasury Bills (MITB), which are short-term, are issued to meet the government\u2019s working capital.\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/build-your-own-investment-portfolio-with-custom-portfolio/", "title": "You have more control with Custom Portfolio", "body": "You have more control with Custom Portfolio\n\n\nKlik sini untuk Bahasa Melayu\n\n\n27-10-2021 (\nupdated 10-03-2022\n)\n\n\nWe\u2019re glad to see many Raizers grow their financial experience from investing and increase their knowledge from our blogs. Plus, we\u2019ve received feedback that they want to have more control over their portfolio allocations. So\u2026 We are excited to tell you that now you can do exactly that, with our Custom Portfolio!\n\n\n\n\n\u00a0\n\n\nWhat is Custom Portfolio?\n\n\nUnlike the three standard portfolios, the Custom Portfolio allows you to set the percentage allocation of each fund in the portfolio.\n\n\nThe funds in the Custom Portfolio are;\n\n\n\n\nAberdeen Standard Islamic World Equity Fund\n\n\nUOB United-i Global Balanced Fund (Shariah)\n\n\nUOB United-i ESG Series \u2013 High Quality Sukuk\n\n\n\n\nAffin Hwang Shariah Gold Tracker Fund\n\n\n\n\nAffin Hwang Aiiman Money Market Fund\n\n\n\n\n\u00a0\n\n\nHow do I change to the Custom Portfolio?\n\n\nYou can do so by going to Home > Invest > Portfolio.\n\n\nNeed help? Click \nhere\n to watch a video!\n\n\n\n\nThe choice is yours\n\n\nOur Custom Portfolio can give you more control over how you invest.\n\n\nBecause you need to choose on your own, Custom Portfolio may not be suitable for everyone. You need to read our \nTerms and Conditions\n to determine if it is suitable for you.\n\n\n\u00a0\n\n\nIs the Custom Portfolio right for me?\n\n\nAs with any financial product, we recommend you read the \nTerms and Conditions\n to see if a Custom Portfolio is suitable for you. At any point in time, if you are in Custom Portfolio and want to change back to one of the three Raiz portfolios, it is as simple as changing your portfolio as you normally would.\n\n\nRead more on frequently asked questions \nhere\n.\n\n\n\u00a0\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/cara-untuk-mencapai-target-simpanan-anda-dengan-lebih-cepat/", "title": "Cara untuk mencapai Target Simpanan anda dengan lebih cepat", "body": "Cara untuk mencapai Target Simpanan anda dengan lebih cepat\n\n\nClick here for English\n\n\nMenetapkan target simpanan boleh menjadi alat yang berkuasa untuk mengurus dan membuat keputusan kewangan yang lebih baik. Ianya juga boleh membantu anda mencapai matlamat kewangan anda dengan lebih cepat dan berkesan. \nLangkah pertama adalah memikirkan target simpanan yang lebih khusus\n. Sebagai contoh, daripada meletakkan target untuk \u201cmenabung lebih\u201d, cuba jadikannya \u201csimpan & labur RM10 setiap minggu\u201d \u2013 supaya anda dapat menjejaki perkembangan anda dan kekal bermotivasi.\n\n\nTarget simpanan biasa yang lain termasuk menyimpan untuk deposit rumah, pendidikan anak, bercuti dan untuk persaraan. Jika anda tidak mempunyai sebarang target simpanan sekarang, meletakkan target \u201cuntuk kecemasan\u201d juga boleh membantu untuk menampung perbelanjaan yang tidak dijangka atau kehilangan pendapatan secara tiba-tiba. Ketahui lebih lanjut mengenai ini dalam blog kami \n\u201cMengapa anda perlu Dana Kecemasan\u201d\n.\n\n\nSekarang anda telah mempunyai matlamat, seterusnya bagaimana anda boleh mencapainya dengan lebih cepat? Dengan membiarkannya berjalan secara automatik disebalik tabir! Kebanyakan bank kini menawarkan kemudahan pemindahan berjadual ke sub-akaun yang lain.\n\n\nRaiz juga mempunyai ciri \n\u201cTarget Simpanan\u201d\n automatik yang membolehkan anda untuk menyimpan & melabur secara automatik ke dalam akaun Raiz anda pada jadual yang sesuai dengan anda dengan sangat mudah.\n\n\nBerikut adalah beberapa sebab mengapa ini boleh membantu anda mencapai target anda dengan lebih cepat:\n\n\n\n\n\u00a0\n\n\nTarget Simpanan automatik boleh membantu anda menyimpan secara konsisten\n\n\nDengan membuat simpanan secara automatik, anda boleh menyimpan secara konsisten tanpa perlu memindahkan wang ke dalam akaun simpanan anda secara manual. Ini sangatlah membantu terutamanya jika anda seorang yang sukar untuk menyimpan secara konsisten atau sering terlupa untuk melakukannya. Percaya atau tidak, perlahan-lahan dan konsisten boleh memenangi perlumbaan!\n\n\n\u201cTidak kira seberapa perlahan anda pergi, yang penting anda tidak berhenti.\u201d \u2013 Confucius\n\n\n\u00a0\n\n\nTarget Simpanan automatik boleh membantu anda menyimpan lebih banyak\n\n\nAnda mungkin terkejut melihat berapa banyak yang telah anda simpan apabila anda tidak perlu berfikir dua kali mengenainya. Jika anda menggunakan Raiz, mengaktifkan ciri \nAuto-bundar\n kami adalah satu lagi cara untuk menyimpan lebih banyak dengan melaburkan duit baki daripada pembelanjaan harian anda. Kuncinya adalah untuk menyimpan dan melabur jumlah kecil secara kerap dan automatik supaya ianya tidak mendatangkan kesan kepada gaya hidup anda, yang akhirnya boleh membuat perubahan besar untuk masa depan anda.\n\n\n\u00a0\n\n\nTarget Simpanan automatik boleh mengurangkan godaan untuk berbelanja\n\n\nApabila anda mengautomasikan simpanan anda, wang itu dipindahkan secara automatik ke akaun simpanan anda sebelum anda mempunyai peluang untuk membelanjakannya. Ini boleh membantu anda menahan godaan untuk berbelanja untuk barangan yang tidak penting. Satu lagi petua untuk menahan godaan adalah jangan sekali-kali pergi ke kedai runcit dalam keadaan lapar atau tanpa senarai membeli!\n\n\n\u201cJangan simpan apa yang tinggal selepas berbelanja, tetapi belanjakan apa yang tinggal selepas menyimpan.\u201d \u2013 Warren Buffett\n\n\n\u00a0\n\n\nTarget Simpanan automatik boleh membantu anda memanfaatkan kuasa kompaun sepenuhnya\n\n\nJika anda menyimpan untuk jangka panjang, mengautomasikan simpanan anda boleh membantu anda memanfaatkan kuasa kompaun, iaitu potensi pulangan daripada pelaburan anda berlipat ganda. Apabila anda menyimpan secara konsisten dalam jangka masa yang panjang, simpanan anda berpeluang untuk berlipat ganda dan berkembang dengan lebih cepat dan lebih banyak. Seperti bola salji yang bermula kecil dan menjadi semakin besar apabila ia mula bergolek!\n\n\nUntuk lebih banyak petua tentang cara untuk berpegang pada matlamat anda untuk 2023, lihat blog kami \n\u201cHow to stick to your New Year\u2019s Resolutions\u201d\n.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/citi-tutup-perniagaan-perbankan-penggunanya-di-malaysia/", "title": "Citi Tutup Perniagaan Perbankan Penggunanya di Malaysia (minggu berakhir 20/04/2021)", "body": "Citi Tutup Perniagaan Perbankan Penggunanya di Malaysia (minggu berakhir 20/04/2021)\n\n\n\u00a0\n\n\nBerikut adalah beberapa maklumat berkenaan Pelaburan dan Ekonomi:\n\n\n\n\n\n\nCitigroup menutup perniagaan perbankan penggunanya di 13 negara, termasuk Malaysia \u2013 The Star.\n\n\n\nDengan pertumbuhan baru syarikat-syarikat fintech dan bank digital baru, bank-bank besar perlu mempertimbangkan untuk menyusun semula perniagaan mereka kerana perniagaan pengguna akan berada di bawah tekanan margin keuntungan.\n\n\n\n\n\n\n\n\n\n\nMicrosoft akan menubuhkan \u201cpusat data serantau\u201d pertamanya di Malaysia, yang terdiri daripada pelbagai pusat data untuk menguruskan data dari pelbagai negara.\n\n\n\nIa menelan belanja sekurang-kurangnya AS$1 billion dalam tempoh lima tahun akan datang dan dijangka mewujudkan 19,000 pekerjaan \u2013 PM Muhyiddin.\n\n\n\n\n\n\n\n\n\n\nKebimbangan terhadap peningkatan baru-baru ini pada kes Covid-19 dan kadar kebolehjangkitan, serta kadar vaksinasi negara yang perlahan, boleh membawa semula kepada kelembapan pasaran ekonomi \u2013 The Edge\n\n\n\n\nTotal vaccinated so far in selected countries\n\n\n\n\nBoustead telah menjual tanahnya Jalan Cochrane kepada Sunway dengan harga RM233.4 juta \u2013 The Star.\n\n\n\nJualan adalah pada premium 6.1% atau RM13.4 juta berbanding nilai pasarannya sebanyak RM220 juta.\n\n\nBoustead dikuasai kepentingannya oleh Lembaga Tabung Angkatan Tentera (LTAT).\n\n\n\n\n\n\n\n\n\n\nBernie Madoff, dalang kepada skim penipuan pelaburan terbesar di AS, meninggal dunia pada 82 di penjara ketika menjalani hukuman 150 tahun.\n\n\n\nSkim beliau telah mengaburi puluhan ribu orang dan mengakibatkan kerugian lebih kurang US$65 bilion.\n\n\nSkim beliau seolah-olah memberikan pulangan yang besar kepada pelaburnya, apabila sebenarnya dia membayar pelabur sedia ada dengan wang dari pelabur yang baru.\n\n\nMangsa termasuk pengarah terkenal Steven Spielberg dan pelakon Kevin Bacon.\n\n\n\n\n\n\n\n\n\n\nSuruhanjaya Sekuriti Malaysia (SC) telah mengenakan celaan kepada Remitano kerana mengendalikan Bursa Aset Digital (DAX) di Malaysia tanpa lesen.\n\n\n\nSC juga telah meminta Google dan Apple untuk menghentikan aplikasi Remitano untuk Malaysia.\n\n\nSuruhanjaya Komunikasi dan Multimedia Malaysia (SKMM) juga diminta menyekat akses kepada platform mata wang kripto itu.\n\n\nMereka yang berdagang dengan entiti / individu tidak berlesen atau tidak berdaftar adalah tidak dilindungi di bawah undang-undang Malaysia dan dengan itu terdedah kepada risiko seperti penipuan dan pengubahan wang haram.\n\n\nRaiz diberi kelulusan dan dilesenkan oleh SC untuk mengendalikan Pengurusan Pelaburan Digital.\n\n\n\n\n\n\n\n\n\u00a0\n\n\nDefinisi Minggu Ini: \nSyarikat Fintech\n\n\nFinancial + Technology = FinTech.\n\n\nSyarikat pemula yang menggabungkan penggunaan teknologi yang inovatif dalam menawarkan perkhidmatan kewangan. Contoh; Raiz, Boost, Touch \u2018n Go.\n\n\n\u00a0\n\n\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/clone-firm-alert-dont-fall-for-the-impersonators/", "title": "Clone-Firm Alert: Don\u2019t Fall for the Impersonators", "body": "Clone-Firm Alert: Don\u2019t Fall for the Impersonators\n\n\nWhat is Clone Firm Scam?\n\n\nA clone firm scam is a type of financial fraud where scammers create fake companies that copy legitimate and authorized financial firms. These fake firms, known as \u201cclone firms\u201d, copy the name, website, and other identifying information of the reputable financial institutions to trick potential victims.\n\n\n\n\n5 tips to identify the scammer from us\n\n\n\n\nRaiz does NOT have any other websites aside from raiz.com.my.\n\n\nRaiz does NOT market our product on Telegram.\n\n\nRaiz will NOT promote any investment scheme with high guarantee return rate and low risk.\n\n\nRaiz does NOT charge any fees for withdrawal.\n\n\nAll investment with Raiz ONLY can be done through the Raiz Application.\n\n\n\n\nTips you should know to avoid being scammed:\n\n\n\n\nDeal only with individuals/entities who/that are registered or licensed by the SC.\n\n\nRequest and check the license number of the investor/ investment company against the regulator\u2019s website (ie; SC or BNM)\n\n\nAlways check the SC\u2019s Investor Alert List before investing.\n\n\nNever deposit your money into a personal bank account or bank account of an unrelated entity.\n\n\nDon\u2019t be pressured or rushed into making an investment decision.\n\n\n\n\nWhat to do if you have been scammed?\n\n\n\n\nImmediately contact your bank or the National Scam Response Center (NSRC) at 997\n\n\nLodge a police report at the nearest police station. Do it even after contacting your bank or NSRC.\n\n\n\n\nStay vigilant Malaysian! By staying informed, cautious, and reporting any suspicious activities to authorities, we can protect ourselves and our fellow Malaysians from falling victims to scams. No matter how small the effort, let\u2019s strive to a scam-free society.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/could-compounding-interest-or-compounding-profit-truly-be-the-eighth-wonder-of-the-world/", "title": "Could compounding return truly be the eighth Wonder of the World?", "body": "Could compounding return truly be the eighth Wonder of the World?\n\n\nWhile most of us cannot access the seven wonders of the World in the immediate future, we can still access the eighth wonder of the world, compound return\n.\n\u00a0\n\n\nThis is according to Albert Einstein, who said (allegedly) \u201cCompound interest is the 8th wonder of the world. He who understands it, earns it; he who doesn\u2019t, pays it.\u201d\n\n\n\n\nImagine\u00a0\nyou\u2019re\n\u00a0out with your friends for lunch, and the queue for a delicious RM10 meal looks rather long. Your friend might say \u201cI am willing to stand in the queue to get the food, but you need to pay me 5% interest per minute until the food is ready.\u201d You agree to these terms for a bit of fun, but the food takes almost 15 minutes to be ordered and made. Guess what? You just paid 200% the initial value of the item, and kindly bought your friend\u2019s lunch. What a good friend you are!\n\u00a0\n\n\nBut why did the interest cost so much in just 15 minutes? Compound interest is to blame (or thank from your friend\u2019s perspective).\n\u00a0\n\n\nWith compound return, the profit is calculated on the initial principal (i.e. the cost of the food) \nplus\n any previously accrued profit\n;\n\n\nSo, after the first minute,\u00a0\nyou would\n\u00a0pay 5% of RM10 (50 cents) in interest\n.\n\u00a0\n\n\nT\nhe second minute, you\n\u00a0\npay 52.5 cents, since the 5% rate is applied to the new total of RM10.50.\u00a0\n\u00a0\n\n\nWith each subsequent minute, the amount of interest paid grows, and after just 15 minutes the original RM10 debt will have doubled.\n\u00a0\n\u00a0\n\n\nLike Albert says, those that understand compound interest earn it, and those that\u00a0\ndon\u2019t\n, pay it. Compound interest works against you when you are paying it to others, usually in the form of debt, but when you are\u00a0\nearning\n\u00a0compound interest, like through a savings or investment account, the potential for growing your money begins to shine. Just like how interest can compound, so too can your investment returns.\n\u00a0\n\n\nWhile the food example is a bit of fun and jest, imagine the same situation with your hard-earned money. With markets often returning a long-term average of around 5% per annum, over a normal market cycle, one could expect to have double their initial funds after a period of\u00a0\n14\n\u00a0\nto\u00a0\n15\n\u00a0\nyears.\n\u00a0\n\n\nHowever, markets can be unpredictable, and with past performance not being a reliable indicator of future performance,\u00a0\nit\u2019s\n\u00a0not guaranteed that your investment would double after\u00a0\n15\n\u00a0\nyears.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/covid-19-financial-impact-how-to-bounce-back-with-a-budget/", "title": "COVID-19 Financial Impact \u2013 How to Bounce Back with a Budget", "body": "COVID-19 Financial Impact \u2013 How to Bounce Back with a Budget\n\n\nDespite COVID-19 restrictions easing across the country, the economic fallout from the pandemic continues to be felt by many thousands of Malaysians from all walks of life. However, it\u2019s also the perfect time to look forward and make sure your finances are stronger than ever to meet whatever challenges arise down the track.\n\n\n\n\nIndeed, with so many Malaysians still experiencing employment disruption like layoffs and reduced hours, now is an ideal moment to look at your budget, actual spending, and savings to make sure you can navigate these unprecedented times.\n\n\nWith that in mind, here are some simple and effective ways to budget with the money you have right now to make sure you build a safety net of savings and protect your financial health for the long term.\n\n\n\u00a0\n\n\nRevamp your budget\n\n\nWhen it comes to budgeting, now\u2019s a good time to get money smart so you can emerge stronger and more prepared in relation to your personal finances.\n\n\nFirst, you\u2019ll need to reassess your income. When it comes to this side of the ledger, you can split things up into dependable income, like your salary and things like capital gains from shares or dividends and examine what they look like now.\n\n\nDepending on your individual circumstances, you might find your income has a new baseline if your hours have been reduced or if you\u2019ve been impacted by a layoff caused by recent economic disruption. However, your spending may have fallen more than before COVID, creating excess savings which could be put away for emergency before your expenses increase again. Doing this analysis now, after the forced cut backs in spending during COVID may give you a foundation to start reassembling a sustainable budget that works with your expected income during these difficult times.\n\n\n\u00a0\n\n\nCut your expenses\n\n\nIf you\u2019re strapped for cash, the next thing you may want to do when figuring out your budget is look at how you\u2019re spending your money and where you can make cuts. Some of these cuts may have already happened due to COVID with the forced reduction in your discretionary expenses like shopping, eating out, subscriptions and holidays.\u00a0On fixed costs such as rent, utilities and insurances, you can actively look for better deals or ask for payments to be temporarily suspended or deferred, then restarted as social distancing eases and your financial situation becomes more certain.\n\n\n\u00a0\n\n\nTake a close look at essentials\n\n\nWith essential spending like housing, it also pays to get creative. For instance, if you\u2019re renting, consider letting out a room to a lodger to help make up a sudden fall in income.\u00a0Or, if you\u2019re a home owner worried about falling behind on mortgage repayments, don\u2019t hesitate to reach out to your lender about options for reducing your payments temporarily such as debt moratorium. You could also consider refinancing your home loan if that suits your particular financial circumstances.\n\n\n\u00a0\n\n\nMoney for a rainy day\n\n\nWhile some people may need to make fundamental changes to their budgets, today\u2019s altered conditions also represent a chance to plan and safeguard against other unknown shocks that may occur down the track.\n\n\nThis is where building an emergency fund now is a smart idea. Just putting a small amount away on a regular basis can add up over time and make a big difference.\n\n\nHow much you should aim to have in your emergency fund will differ from person to person, but it\u2019s advisable that it can cover the basics like rent or mortgage repayments, food, loan repayments, transport, utilities, and phone and internet for two or three months.\n\n\n\u00a0\n\n\nThe final word\n\n\nIn these unprecedented times, being as smart as possible with your money is more important than ever. If history has taught us anything when it comes to budgeting, it\u2019s that being on top of your personal finances goes a long way when you\u2019re looking for extra security and peace of mind in times of greater uncertainty.\n\n\n\u00a0\n\n\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/dana-asing-kembali-ke-bursa-malaysia-dan-dua-lagi-perkara-yang-anda-perlu-tahu-minggu-ini-minggu-berakhir-18-04-2023/", "title": "Dana asing kembali ke Bursa Malaysia \u2013 dan DUA lagi perkara yang anda perlu tahu minggu ini. (minggu berakhir 18/04/2023)", "body": "Dana asing kembali ke Bursa Malaysia \u2013 dan DUA lagi perkara yang anda perlu tahu minggu ini. (minggu berakhir 18/04/2023)\n\n\nClick here for English\n\n\nKami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:\n\n\n\n\nTIGA perkara yang anda perlu tahu minggu ini;\n\n\n\n\nDana asing kembali ke Bursa Malaysia\n dengan mencatatkan aliran masuk untuk minggu ketiga berturut-turut setakat \u2013 MIDF Research.\n\n\n\nTiga sektor utama yang menyaksikan belian bersih minggu lepas ialah Teknologi, Perkhidmatan Kewangan dan Perladangan. Manakala tiga sektor utama yang menyaksikan jualan bersih ialah Utiliti, Penjagaan Kesihatan dan REIT.\n\n\nPeruncit tempatan bagaimanapun meneruskan trend jualan bersih (aliran keluar) mereka untuk minggu ketiga berturut-turut.\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\nJualan kenderaan bagi Mac 2023 di Malaysia mencecah paras tertinggi\n baru bulanan sebanyak 78,849 unit, mengatasi rekod sebelumnya iaitu 76,657 unit pada Disember 2021 \u2013 MAA.\n\n\n\n\n\u00a0\n\n\n\n\nBank-bank Malaysia dijangka kekal stabil\n walaupun potensi limpahan negatif daripada situasi tertekan perbankan di AS dan Eropah \u2013 disebabkan kecairan dan penampan modal yang kukuh. Bank-bank Malaysia juga mempunyai permodalan yang kuat dan mudah tunai yang kukuh \u2013 Fitch.\n\n\n\n\n\u00a0\n\n\nRaiz membantu anda menyimpan & melabur \u2013 \nberjaya menyimpan 5% daripada gaji anda adalah lebih baik\n daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\u00a0\n\n\nAnda tahu?\n\n\nElon Musk (bos Twitter dan Tesla) adalah pengasas bersama syarikat OpenAI \u2013 tetapi meninggalkan syarikat itu pada tahun 2018.\n\n\nOpenAI telah menimbulkan minat mendadak terhadap AI apabila ia melancarkan ChatGPT. Sejak itu, Microsoft telah melabur secara terkumpul sebanyak USD13 bilion dalam OpenAI dari 2019.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/dividen-atau-pengagihan/", "title": "Dividen (atau Pengagihan Pendapatan)", "body": "Dividen (atau Pengagihan Pendapatan)\n\n\nClick here for English\n\n\n09-03-2023\n\n\nPortfolio Raiz terdiri daripada dana-dana unit amanah. \nDividen, jika ada, akan diisytiharkan oleh pengurus dana masing-masing mengikut budi bicara mereka, pada bila-bila masa tanpa pengumuman terlebih dahulu\n. Biasanya, ia diisytiharkan pada akhir tahun kewangan dana.\n\n\n\n\n\n\n\n\n\n\nPortfolio\n\n\nFunds\n\n\n\n\n\n\nAggressive\n\n\nASN Equity 3 (80%)\n\n\n\n\n\n\nASN Sara 1 (20%)\n\n\n\n\n\n\nModerate\n\n\nASN Imbang 2\n\n\n\n\n\n\nConservative\u00a0\n\n\nASN Equity 3 (20%)\n\n\n\n\n\n\nASN Sara 1 (80%)\n\n\n\n\n\n\nBolehubah (\u201cCustom\u201d)\n\n\nabrdn Islamic World Equity\n\n\n\n\n\n\nUOB United-i Global Balanced\n\n\n\n\n\n\nUOB United-i ESG Series \u2013 High Quality Sukuk\n\n\n\n\n\n\nAffin Hwang Shariah Gold Tracker\n\n\n\n\n\n\nAIIMAN Money Market\n\n\n\n\n\n\n\n\n\u00a0\n\n\nSebagai contoh, anda berada di Portfolio Aggressive. ASN Equity 3 mempunyai tahun kewangan berakhir pada bulan 31 Mac. Untuk ASN Sara 1, juga pada bulan 31 Mac. Jadi, jika anda memegang portfolio anda sehingga akhir bulan Mac, anda boleh menjangkakan untuk melihat dividen dimasukkan dan dilaburkan semula ke dalam akaun anda pada bulan April!\n\n\n\u00a0\n\n\nHARAP MAKLUM;\n\n\n\n\nIni bukan dana modal terjamin atau modal terlindung. Harga unit boleh naik dan turun.\n\n\nPrestasi lepas dana bukanlah satu petunjuk prestasi masa depannya.\n\n\nApabila dividen diumumkan, berikutan daripada agihan itu, harga seunit akan direndahkan untuk mengambil kira dividen yang telah diagihkan. Nilai pelaburan anda akan kekal tidak berubah selepas pengagihan dividen ini. Begitu juga apabila pecahan unit diumumkan, nilai pelaburan anda akan kekal tidak berubah selepas pengagihan unit-unit tambahan itu.\n\n\n\n\n\u00a0\n\n\n\n\nTiada applikasi Raiz lagi?\n\n\nMuat turun sekarang:\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/dividend-or-distribution/", "title": "Dividend (or Income Distribution)", "body": "Dividend (or Income Distribution)\n\n\nKlik sini untuk Bahasa Melayu\n\n\n09-03-2023\n\n\nRaiz\u2019s portfolios are made of unit trust funds. \nDividend, if any, will be declared by the respective fund houses at their discretion, at any time without prior announcement\n. Typically, they are declared at the financial year-end (FYE) of the respective funds.\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\nPortfolio\n\n\nFunds\n\n\n\n\n\n\nAggressive\n\n\nASN Equity 3 (80%)\n\n\n\n\n\n\nASN Sara 1 (20%)\n\n\n\n\n\n\nModerate\n\n\nASN Imbang 2\n\n\n\n\n\n\nConservative\n\n\nASN Equity 3 (20%)\n\n\n\n\n\n\nASN Sara 1 (80%)\n\n\n\n\n\n\nCustom\n\n\nabrdn Islamic World Equity\n\n\n\n\n\n\nUOB United-i Global Balanced\n\n\n\n\n\n\nUOB United-i ESG Series \u2013 High Quality Sukuk\n\n\n\n\n\n\nAffin Hwang Shariah Gold Tracker\n\n\n\n\n\n\nAIIMAN Money Market\n\n\n\n\n\n\n\n\n\u00a0\n\n\nFor example, you are on an Aggressive Portfolio. ASN Equity 3 has its FYE on 31 March. For ASN Sara 1, also in 31 March. So, if you hold your portfolio till the end of March, you may expect to see dividends deposited and being invested back into your account in April!\n\n\n\u00a0\n\n\nNOTE THAT;\n\n\n\n\nThis is neither a capital guaranteed nor a capital-protected fund. Unit prices may go down as well as up.\n\n\nPast performance of the fund is not an indication of its future performance.\n\n\nWhere dividends is declared, following the distribution, the price per unit will be reduced accordingly to account for the dividends. The value of your investment will remain unchanged after the distribution of the dividends. It is the same where unit split is declared, the value of your investment will remain unchanged after the distribution of the additional units.\n\n\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\n\nDownload it for free in the App store:\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/dont-get-tricked-avoiding-tax-scams-in-malaysia/", "title": "Don\u2019t get tricked: Avoiding Tax Scams in Malaysia", "body": "Don\u2019t get tricked: Avoiding Tax Scams in Malaysia\n\n\n\nWhat is Tax Scam?\n\n\nA fraudulent schemes or deceptive practices designed to trick individuals or businesses into providing sensitive personal or financial information or making payments to scammers posing as tax authorities or representatives.\n\n\nThese scams aim to exploit taxpayers\u2019 concerns about their tax obligations and leverage the fear potential non-compliance.\n\n\n\n\nSome tax scam examples you be aware of and how they do it?\n\n\n\n\nImpersonation Scams \u2013 Scammers may pose as officials from Lembaga Hasil Dalam Negeri Malaysia (LHDN) or other tax authorities. Contacts taxpayers through phone calls, emails, or text messages, claiming that there is an issue with their tax returns or outstanding payments.\n\n\nIllegal Activities Scams \u2013 Scammers may contact taxpayers, claiming that they are eligible for a tax refund and request for bank account information to process the fund.\n\n\nFake Notices and Demands \u2013 Scammers will send fake tax notices or payment demands, threatening legal actions or penalties if immediate payment is not made. These scams are often designed to create panic and coerce taxpayers into making payments without the time to verify the authenticity of the communication.\n\n\n\n\nTips to avoid being scammed:\n\n\n\n\nDon\u2019t panic and stay calm.\n\n\nVerify the legitimacy of any communication claiming to be from the tax authorities by calling the official helpline.\n\n\nNever disclose sensitive personal or financial information to unsolicited requests.\n\n\nReport any suspicious activities to the relevant authorities.\n\n\n\n\nWhat to do if you have been scammed\n\n\n\n\nContact your bank or National Scam Response Center (NSRC) at 997\n\n\nLodge a police report \u2013 Head to your nearest police station and lodge police report even after contacting your bank or NSRC.\n\n\nLHDN Hotline \u2013 1-800-88-5436 (local) or +603-7713 6666 (from overseas) LHDN Website \u2013 \nhttps://www.hasil.gov.my/\n\n\n\n\nStay vigilant Malaysian! By staying informed, cautious, and reporting any suspicious activities to authorities, we can protect ourselves and our fellow Malaysians from falling victims to scams. No matter how small the effort, let\u2019s strive to a scam-free society.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/drama-belon-dan-dua-lagi-perkara-anda-perlu-tahu-minggu-ini-minggu-berakhir-07-02-2023/", "title": "Drama belon \u2013 dan DUA lagi perkara yang anda perlu tahu minggu ini (minggu berakhir 07/02/2023).", "body": "Drama belon \u2013 dan DUA lagi perkara yang anda perlu tahu minggu ini (minggu berakhir 07/02/2023).\n\n\nClick here for English\n\n\nKami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:\n\n\n\n\n\u00a0\n\n\nDrama belon \u2013 dan DUA lagi perkara yang anda perlu tahu minggu ini;\n\n\n\n\nDrama Belon. Jet pejuang Amerika Syarikat telah menembak jatuh belon, disyaki belon pengintip China pada Sabtu lepas. China menegaskan is ia adalah \u201ckapal udara awam yang menjalankan penyelidikan cuaca\u201d yang secara tidak sengaja hanyut ke ruang udara AS. Ini telah mengeruhkan lagi hubungan yang sudah tegang antara kedua-dua negara. AS telah membatalkan lawatan yang dirancang ke Beijing. China telah meminta AS untuk \u201ctidak terlalu cepat melatah dan kekal tenang\u201d. Ekuiti China jatuh pada hari Isnin. Tidak dinafikan, kejadian ini akan menjadi subjek negatif bagi pasaran.\n\n\nFed menaikkan kadar faedahnya sebanyak 0.25% pada hari Rabu lepas dan menjanjikan \u201ckenaikan berterusan\u201d sebagai sebahagian daripada perang (yang masih belum selesai) terhadap inflasi kerana pasaran buruh kekal kukuh. Data Jumaat lepas menunjukkan 517,000 pekerjaan diwujudkan pada bulan Januari \u2013 jauh melebihi jangkaan 185,000 walaupun berlaku pemberhentian kerja dalam sektor teknologi. Ia juga mengatakan bahawa inflasi telah berkurangan sedikit tetapi kekal tinggi.\n\n\nKesan daripada aktiviti pelancongan yang lebih rancak, terutamanya kemasukan pelancong dari China dan permintaan pelancongan domestik, dijangka meningkatkan Keluaran Dalam Negara Kasar (KDNK) Malaysia untuk 2023. Ini juga akan menyokong unjuran pertumbuhan ekonomi Malaysia sebanyak 4% pada 2023.\n\n\n\n\n\u00a0\n\n\nRaiz membantu anda menyimpan & melabur \u2013 \nberjaya menyimpan 5% daripada gaji anda adalah lebih baik\n daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\u00a0\n\n\nAnda tahu?\n\n\nPelancong dari negara China adalah yang ke-3 terbanyak melawat Malaysia.\n\n\nSingapura di tempat pertama dan Indonesia kedua.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/empat-perkara-yang-anda-perlu-tahu-minggu-ini-minggu-berakhir-01-11-2022/", "title": "EMPAT perkara yang anda perlu tahu \u2013 minggu ini (minggu berakhir 01/11/2022).", "body": "EMPAT perkara yang anda perlu tahu \u2013 minggu ini (minggu berakhir 01/11/2022).\n\n\nClick here for English\n\n\nKami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:\n\n\n\n\nEMPAT perkara yang anda perlu tahu \u2013 minggu ini;\n\n\n1. Sentimen pelabur positif minggu lepas di sebalik harapan bahawa kadar kenaikan kadar faedah mula perlahan.\n\n\n2. Dalam pada itu, semua mata tertumpu kepada keputusan kadar faedah daripada bank pusat utama. Fed AS, Bank of England, RBA Australia \u2013 semuanya dijangka menaikkan kenaikan kadar faedahnya minggu ini. Di Malaysia, pelabur berhati-hati menunggu pengumuman kadar faedah daripada BNM \u2013 walaupun ia kemungkinan kenaikan sangat tipis.\n\n\n3. Tony Fernandes meletak jawatan sebagai CEO AirAsia X \u2013 dan berkata kini beliau akan memberi tumpuan kepada Capital A Bhd.\n\n\n4. Raiz membantu anda menyimpan & melabur \u2013 \nberjaya menyimpan 5% daripada gaji anda adalah lebih baik\n daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\u00a0\n\n\nAnda tahu?\n\n\nKilang terbesar iPhone terletak di China. Ia dikendalikan oleh Foxconn, sebuah syarikat Taiwan, yang merupakan pembekal terbesar Apple.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\u00a0\n\n\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/empat-perkara-yang-anda-perlu-tahu-minggu-ini-untuk-memulakan-tahun-ini-minggu-berakhir-10-01-2023/", "title": "EMPAT perkara yang anda perlu tahu minggu ini \u2013 untuk memulakan tahun ini (minggu berakhir 10/01/2023).", "body": "EMPAT perkara yang anda perlu tahu minggu ini \u2013 untuk memulakan tahun ini (minggu berakhir 10/01/2023).\n\n\nClick here for English\n\n\nKami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:\n\n\n\n\nEMPAT perkara yang anda perlu tahu minggu ini;\n\n\n\n\nIa merupakan permulaan yang gementar untuk \ntahun baru\n di Wall Street, tetapi ini diatasi selepas saham meningkat minggu lepas berikutan data pasaran kerja AS untuk bulan Disember yang lebih positif. Bagaimanapun, pasaran saham ditutup lebih rendah semalam.\n\n\nRizab Persekutuan AS telah memperbaharui komitmen terhadap kenaikan kadar faedah sehingga inflasi turun mencapai sasaran mereka. Peningkatan harga yang kurang daripada jangkaan pada bulan November, adalah tanda terbaru bahawa inflasi yang telah sekian lama mencengkam ekonomi dunia mula melonggarkan cengkamannya. Indeks Harga Pengguna (IHP) AS pada bulan November adalah sebanyak 7.1%, dan dijangka akan turun lagi kepada 6.5% pada bulan Disember.\n\n\nInflasi zon Euro kekal tinggi, walaupun ia menuju ke arah yang betul di 9.2% pada Disember lepas, turun daripada 10.1% pada Nov 2022.\n\n\nChina telah membuka semula sempadan mereka sebelum Tahun Baharu Cina dengan pelawat tidak lagi perlu kuarantin apabila masuk. Ini boleh menjadi kunci kepada pemulihan ekonomi global pada 2023.\n\n\n\n\n\u00a0\n\n\nRaiz membantu anda menyimpan & melabur \u2013 \nberjaya menyimpan 5% daripada gaji anda adalah lebih baik\n daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\u00a0\n\n\nAnda tahu?\n\n\nWall Street \n\n\nIa adalah nama jalan di daerah kewangan Manhattan di New York. Ia juga merujuk kepada pasaran kewangan Amerika Syarikat secara keseluruhan.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/euro-2020-what-football-teaches-us-about-money-and-investing/", "title": "EURO 2020: What football teaches us about money and investing", "body": "EURO 2020: What football teaches us about money and investing\n\n\n15-06-2021\n\n\nEuro 2020 had just begun last weekend. Now all football fans enjoy watching and discussing what is happening surrounding EURO 2020. But how can we relate football to money and investing?\n\n\n\u00a0\n\n\nBudgeting\n\n\nOne of the key decisions a manager has to make is to pick only 26 players out of hundreds to be in the Euro tournament team.\n\n\nThis is where the manager does his \u2018budgeting\u2019. Having his strategy and formation in mind, he picks players that should be enough to cover all areas (goalkeeper, defender, midfielder and forward) for the first team and also substitution.\n\n\nFor example, the formation is 4-4-2. So the team needs at least 3 goalkeepers, 8 defenders, 8 midfielders and 4 forwards. Others shall be chosen for special traits he wants, such as a midfielder that good in marking or freekicks.\n\n\nSame as managing our own money, we do \nbudgeting\n for all our expenses. This is to make sure we spend within our means and at the same time, can have a balanced lifestyle \u2013 necessity, savings, entertainment etc. \nThe \n50/30/20 rule\n is a good guideline for\u00a0\nyour\u00a0\nbudget allocation\n.\n\u00a0\n\n\n\u00a0\n\n\nDiversification\n\n\nGo deeper into the forward\u2019s list, we don\u2019t want all of them to have the same type of play and skills. If a striker with speed can\u2019t give us a goal, we go to plan B \u2013 substitute him with a good header striker that can be dangerous when we have corner or freekicks.\n\n\nIf we are talking about diversification in investment, we can relate this to \u201cdon\u2019t put all your money in one investment.\u201d Because every asset\u2019s value that you buy comes with the market risk \u2013 could drop.\n\n\nThere is always an unexpected event. So, by spreading the money into an investment portfolio across different assets, it can reduce the risk that all of them will fall in value at the same time.\n\n\n\u00a0\n\n\nEmergency Fund\n\n\nA winning team not only has many superstar players but excellent depth on their squad. Good players on the bench can help during tough times. For example, when trailing goals, we can bring on one more striker to help more on attacking.\n\n\nWith this analogy of the good bench players, we need an \nemergency fund\n to prepare for the unexpected financial surprises that may appear in life. Example: COVID-19 pandemic.\n\n\n\u00a0\n\n\nOpportunity Cost\n\n\nDid you watch Euro 2020: Croatia\u2019s first match versus England? Croatia lost 1-0.\n\n\nBut could they do better to prevent the defeat? Yes, they should have a proper center forward that can link up attacking play with the good players like Perisic and Modric.\n\n\nWith this, let say they could have 1 goal, which leads to a draw and get 1 point in the group. This 1 point is the opportunity cost that they missed when they went for the non-proper center forward.\n\n\nThis is the risk that when you make an investment decision, and with the benefit of experience, you realise you could have done better elsewhere.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/eyes-on-bursa-malaysia-weekly-ended-11-10-2022/", "title": "Eyes on Bursa Malaysia \ud83d\udc40 (weekly ended 11/10/2022)", "body": "Eyes on Bursa Malaysia \ud83d\udc40 (weekly ended 11/10/2022)\n\n\nKlik sini untuk Bahasa Melayu\n\n\nSharing some Investing and Economic insights:\n\n\n\n\n\n\nWith the dissolution of Parliament having been confirmed, paving the way for the much-anticipated 15th General Election (GE15), all eyes are now on Bursa Malaysia.\n\n\n\nSome analysts expect knee-jerk reactions from the market in the short term \u2013 maybe this week \u2013 but said the dissolution of Parliament yesterday was good to remove political uncertainty investors may have had.\n\n\nWhile political uncertainty could continue at least until the election itself has been completed, this could represent an opportunity to look at undervalued stocks in sectors such as construction, oil & gas, plantation, property and transportation.\n\n\n\n\n\n\n\n\n\n\nGeopolitical tensions added to the uncertainty as markets waited to see how Russia might respond to the blast that hit Russia\u2019s only bridge to Crimea in the southern Ukraine.\n\n\n\nRussia has used the bridge to move military equipment and people from Russia to battlefields in southern Ukraine.\n\n\n\n\n\n\n\n\n\n\nRaiz is about helping you save & invest more \u2013 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).\n\n\n\n\n\u00a0\n\n\nDo you know?\n\n\nThe U.S. is the world\u2019s largest oil consumer. Second is China.\n\n\nSaudi Arabia is the world\u2019s top exporter.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/facebook-us1-trillion/", "title": "Facebook = US$1 trillion (minggu berakhir 29/06/2021)", "body": "Facebook = US$1 trillion (minggu berakhir 29/06/2021)\n\n\n\u00a0\n\n\nBerikut adalah beberapa maklumat berkenaan Pelaburan dan Ekonomi:\n\n\n\n\n\n\nFacebook bernilai pasaran US $1 trilion buat kali pertama \u2013 CNBC\n\n\n\nIa adalah syarikat A.S. kelima selepas Apple, Microsoft, Amazon dan Alphabet (Google). Sahamnya ditutup pada US$355.64, membawa kepada nilai pasaran untuk mencecah trilion.\n\n\n\n\n\n\n\n\n\n\nYey! Sekali lagi moratorium pinjaman. Sekali lagi lagi pengeluaran KWSP.\n\n\n\nMoratorium pinjaman selama enam bulan tanpa syarat akan diberikan kepada semua peminjam tanpa mengira kumpulan pendapatan mereka.\n\n\nAhli KWSP boleh membuat pengeluaran sehingga RM5,000 dengan kadar bayaran tetap RM1,000 sebulan selama lima bulan.\n\n\nCEO KWSP (Wawancara The Edge): Kira-kira 6.3 juta ahli KWSP mempunyai kurang daripada RM10,000 dalam Akaun 1 mereka\u2026\n\n\n\n\n\n\n\n\n\n\nPergerakan indeks FBM KLCI sejak 1 minggu yang lalu;\n\n\n\nSelasa, 22 Jun \u2013 1,574 mata\n\n\nRabu, 23 Jun \u2013 1,565 \u2193\n\n\nKhamis \u2013 1,556 \u2193\n\n\nJumaat \u2013 1,560 \u2191\n\n\nSabtu \u2013 cuti umum, pasaran saham ditutup.\n\n\nAhad \u2013 cuti umum, pasaran saham ditutup.\n\n\nIsnin, Jun 28 \u2013 1,545 \u2193\n\n\n\n\n\n\n\n\n\n\nPenanda aras Indeks FBM KLCI semalam (1,545 mata) adalah yang terendah setakat ini pada 2021.\n\n\n\n\n\n\nVaksinasi COVID-19: 5.3 juta (atau 16.2%) individu di Malaysia telah menerima sekurang-kurangnya satu dos \u2013 The Edge\n\n\n\n\n\n\nSaga Serba Dinamik \u2013 The Edge\n\n\n\nKPMG, juruaudit luar, mengetengahkan percanggahan melibatkan transaksi berjumlah kira-kira RM4.54 bilion.\n\n\nHarga saham Serba Dinamik jatuh ke paras rendah selepas isu audit dimaklumkan kepada umum \u2013 daripada RM1.61 kepada 32.5 sen setakat semalam.\n\n\nPihak Pengurusan berkata \u201cia tidak melakukan apa-apa yang salah\u201d dan telah meminta KPMG meletak jawatan.\n\n\nKWSP dan KWAP telah menjual beberapa pegangan saham mereka dalam Serba Dinamik.\n\n\nSerba Dinamik mengumumkan tindakan undang-undang terhadap KPMG atas dakwaan kecuaian.\n\n\nKPMG meletak jawatan sebagai juruaudit luar Serba Dinamik.\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/fahami-risiko/", "title": "Fahami Risiko", "body": "Fahami Risiko\n\n\n\u00a0\n\n\nRisiko vs Pulangan\n\n\nAdakah ada kehidupan tanpa risiko? Setiap keputusan yang anda buat, sama ada membeli kereta, menaiki rollercoaster, atau memulakan keluarga, semuanya mempunyai risiko ianya berlaku seperti yang tidak diharapkan. Tetapi untuk mengasingkan diri di dalam bilik berseorangan demi mengelakkan semua risiki dalam kehidupan harian, anda juga tidak akan dapat sebarang faedah.\n\n\n\n\nYa, hari ke-3 Pendidikan Pelaburan, kita akan belajar tentang risiko.\n\n\n\u00a0\n\n\nDari segi kewangan, kami mendefinisikan risiko sebagai kemungkinan untuk keuntungan sebenar pelaburan lain dari jangkaan awal anda. Dengan kata lain, kemungkinan anda akan kehilangan wang atau mendapat keuntungan lebih sedikit daripada apa yang anda harapkan.\n\n\n\u00a0\n\n\nPeraturan utama pelaburan ialah \nsemakin tinggi jangkaan pulangan, semakin tinggi risikonya\n. Ini dikenali sebagai pertukaran risiko-pulangan atau \u201crisk-return trade off\u201d. Kadar pulangan yang tinggi adalah layak untuk risiko yang tinggi. Tiada pulangan tinggi tanpa risiko sama sekali. Namun, ada strategi yang dapat digunakan untuk mengurus dan mengurangkan risiko.\n\n\n\u00a0\n\n\nPerkataan Hari Ini: Turun-naik\n\n\nNilai harga pelaburan naik dan turun. Berapa cepat turun naiknya merupakan ukuran risiko aset tersebut. Semakin tinggi turun naik, semakin tinggi risikonya.\n\n\n\u00a0\n\n\nKepelbagaian atau \u201cdiversification\u201d\n\n\nKita biasa dengar ungkapan \u201cjangan masukkan semua telur ke dalam satu bakul.\u201d Sekiranya kita mengubahnya menjadi \u201cjangan melanur semua wang anda dalam satu jenis pelaburan yang sama\u201d, kita bercakap mengenai kepelbagaian.\n\n\nSetiap aset yang anda beli dating bersama dengan risiko pasaran \u2013 nilainya boleh turun. Selalu ada kejadian yang tidak dijangkakan. Oleh itu, \ndengan meletakkan wang pada aset yang berlainan, ia dapat mengurangkan risiko kesemuanya jatuh pada nilai yang sama\n.\n\n\nPada hari pertama, kita telah belajar tentang unit amanah. Melabur dalam dana unit amanah adalah cara terbaik dan murah untuk dapatkan kepelbagaian kerana mereka memberi anda pendedahan kepada banyak syarikat, sektor yang berbeza dan juga kelas aset yang lain.\n\n\nPortfolio Raiz terdiri dari 3 dana unit amanah, menawarkan lebih banyak kepelbagaian kerana setiap dana mempunyai set aset yang berbeza, sector yang berbeza, domestik & antarabangsa, bon kerajaan & korporat, atau wang tunai.\n\n\n\u00a0\n\n\nKos Peluang\n\n\nAnda membeli telefon bimbit mewah, dan dengan jumlah wang yang sama anda boleh membeli jenama lain dengan ciri yang serupa tetapi harganya lebih rendah. Inilah risiko apabila anda membuat keputusan pelaburan. Berdasarkan pengalaman itu, anda menyedari bahawa anda boleh menggunakan wang itu di tempat lain yang lebih baik. Inilah risiko yang kita tidak sedari apabila menyimpan wang sebagai tunai sahaja. Ya, menyimpan tunai dapat mengelakkan beberapa risiko, tetapi kita menanggung kos peluang yang besar apabila kita mungkin dapat memaksimakan potensi wang tersebut di tempat lain.\n\n\n\u00a0\n\n\nToleransi Risiko\n\n\nToleransi risiko anda ialah berapa selesa anda untuk mengambil risiko. Ini menunjukkan berapa banyak risiko yang anda sanggup ambil dalam mencapai matlamat pelaburan anda. Memahami toleransi risiko anda adalah penting. Sekiranya anda mengambil terlalu banyak risiko dan tidak dapat mengambil kerugian besar dari pelaburan anda, anda mungkin menghadapi tekanan dan membuat jualan panik pada waktu yang tidak sesuai.\n\n\n\u00a0\n\n\nJangka Masa Pelaburan\n\n\nJangka masa pelaburan merujuk kepada jangka masa yang anda tetapkan untuk berada dalam pelaburan tersebut. Jangka masa boleh jadi jangka pendek, hanya beberapa hari atau bulan, hingga jangka panjang, boleh menjangkau bertahun hingga berdekad. Caruman KWSP anda adalah contoh pelaburan jangka masa panjang.\n\n\nApabila pelabur mempunyai jangka masa yang lebih lama, mereka dapat mengambil lebih banyak risiko, kerana pasaran mempunyai bertahun lamanya untuk pulih sekiranya berlaku krisis. Itulah sebabnya terdapat ungkapan bahawa dalam jangka masa panjang, pasaran cenderung untuk naik.\n\n\nSebaliknya, jangka masa yang lebih pendek, anda berkemungkinan terpaksa menjual pelaburan anda semasa kemerosotan pasaran dengan nilai yang rendah. Oleh itu, pelaburan dengan jangka masa pendek seharusnya lebih kecil risiko untuk mengurangkan kemungkinan pelaburan tersebut menurun nilainya dalam jangka pendek. Contohnya, pelaburan jangka masa 2 bulan seharusnya berbentuk pelaburan wang tunai sahaja.\n\n\nJangka masa pelaburan ini boleh menjadi lebih penting daripada toleransi risiko ketika membuat pilihan pelaburan mana yang harus anda buat. Terutama apabila jangka masa pelaburan itu sangat pendek atau sangat lama.\n\n\nPortfolio Raiz ditentukan mengikut profil risiko tertentu, yang terdiri dari Konservatif hingga Agresif. Untuk jangka masa pelaburan yang pendek (kurang dari tiga tahun sebagai contoh), pilihan portfolio Konservatif berkemungkinan pilihan terbaik untuk mencapai matlamat anda.\n\n\n\u00a0\n\n\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/falsafah-raiz-melabur-dengan-amaun-yang-kecil-secara-berkala/", "title": "Falsafah Raiz \u2013 MELABUR DENGAN AMAUN YANG KECIL SECARA BERKALA", "body": "Falsafah Raiz \u2013 MELABUR DENGAN AMAUN YANG KECIL SECARA BERKALA\n\n\nClick here for English\n\n\nDi Raiz, falsafah mudah pelaburan kami ialah \nmenyimpan & melabur sejumlah kecil secara berkala\n, tanpa mengambil kira keadaan pasaran.\n\n\n\n\n\u00a0\n\n\nMengapa?\n Ini akan membantu anda menunggang naik turun pasaran dengan cara yang lebih bijak. Anda akan membeli lebih banyak saham apabila harga rendah jadi ia akan menjadi lebih menguntungkan untuk anda apabila pasaran pulih (kerana akhirnya, dalam jangka panjang, pasaran akan naik semula!). Ini adalah strategi pelaburan yang terkenal, yang dikenali sebagai \nPurata Kos Ringgit\n.\n\n\nDan juga, ia membantu anda mengelakkan diri daripada \nmelabur dengan emosi\n. Ini berlaku kepada kita semua \u2014 anda tahu, apabila pasaran saham turun, anda berasa kecewa, jadi anda menjual semua pelaburan anda pada harga yang lebih rendah dan bukannya \u201cbeli rendah, jual tinggi\u201d sedangkan ia sebenarnya peluang untuk membeli lebih banyak aset pada harga yang lebih rendah!\n\n\n\u00a0\n\n\nRaiz membantu anda dengan strategi ini \u2013 menyimpan & melabur duit baki harian anda secara automatik, membantu anda dengan memudahkan untuk membuat pelaburan berkala setiap hari / minggu / bulan.\n\n\nRaiz membantu anda menyimpan & melabur lebih banyak \u2013 berjaya menyimpan 2% daripada gaji anda adalah lebih baik daripada memperoleh pulangan 2%. Kami tidak mempromosikan diri kami sebagai pengurus dana terbaik kerana kami percaya mempunyai disiplin menyimpan wang secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda dalam jangka masa panjang daripada kesibukan memilih pengurus dana yang terbaik.\n\n\n\u00a0\n\n\n\n\nTiada aplikasi Raiz?\n\u00a0\n\n\nMuat turun aplikasi Raiz secara percume:\n\u00a0\n\n\n\n\n.\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nMaklumat\u00a0\nPenting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/faq-income-distribution-for-financial-year-ending-march-2021/", "title": "FAQ \u2013 Dividend Distribution for ASNB Funds", "body": "FAQ \u2013 Dividend Distribution for ASNB Funds\n\n\nKlik sini untuk Bahasa Melayu\n\n\n09-03-2023\n\n\n1) Three Raiz portfolios are made of 3 ASNB funds;\n\n\n\n\n\u00a0\n\n\nRaiz Portfolio\n\n\n2) When will the dividend be announced?\n\n\nYou need to understand first that, dividend, if any, will be declared by ASNB at their discretion, at any time without prior announcement. Typically, they are declared at the financial year-end (FYE) of the respective funds.\n\n\nFor all the three funds above that Raiz is investing in, it may be announced on 31 Mar 2023.\n\n\n\u00a0\n\n\n3) How much is the income distribution?\n\n\nYou will only know once it is announced on 31 Mar 2023.\n\n\n\u00a0\n\n\n4) How much will I get? What is the calculation? Is it pro-rated?\n\n\nThe distribution of the dividend is \nbased on the number of units you own as at 31 Mar 2023\n, regardless of when you invest. It is also not pro-rated.\n\n\nThe dividend distributed will be automatically deposited into your Raiz account on 1 Apr 2023 and will be invested back according to your investment portfolio.\n\n\n\u00a0\n\n\n\n\nExample;\n\n\n\n\nAssuming;\n\n\n\nyour Raiz portfolio is Aggressive (80% ASN Equity 3 fund & 20% ASN Sara 1); and\n\n\nyou own 800 units of ASN Equity 3 fund & 200 units in ASN Sara 1\n\n\n\n\n\n\n\n\n\n\nASNB declares dividend of 3 cents per unit for ASN Equity 3 fund & 2 cents per unit for ASN Sara 1.\n\n\n\n\n\n\nYour dividend is \nRM28.00\n;\n\n\n\nASNe3 = 800 units x 3 cents = RM24.00; and\n\n\nASNs1 = 200 units x 2 cents = RM4.00\n\n\n\n\n\n\n\n\n\n\nThe RM28.00 (RM24.00 + RM4.00) dividend will then be invested back into your Raiz account according to your portfolio.\n\n\n\n\n\n\n\u00a0\n\n\n5) When is the suspension period? And how will this affect my Raiz account?\n\n\nThe trade suspension period is 29 \u2013 31 Mar 2023 (Wed-Fri). \nAll transactions \u2013 deposits, withdrawals and changing portfolios will be affected and delayed\n. The process will only resume on 3 Apr 2023 (Mon).\n\n\nLast day to \nwithdraw\n before the suspension period is on \n27 Mar 2023 (Mon)\n\u00a0before it gets delayed.\n\n\nLast day to \nchange portfolio\n before the suspension period is \n23 Mar 2023\n\u00a0before it gets delayed.\n\n\n\u00a0\n\n\n6) When is the last day to deposit into my Raiz account for me to be entitled to the dividend?\n\n\nThe last day to deposit is \n27 Mar\n (Mon) \u2013 so we can invest your money the next business day (28 Mar, Tue) before the suspension period starts on 29 \u2013 31 Mar 2023 (Wed-Fri).\n\n\nYou can still make deposits to your Raiz account as usual during this suspension period (29 \u2013 31 Mar 2023), but it will only be invested on 3 Apr 2023 (Mon).\n\n\n\u00a0\n\n\nNOTE THAT;\n\n\n\n\nThis is neither a capital guaranteed nor a capital-protected fund. Unit prices may go down as well as up.\n\n\nPast performance of the fund is not an indication of its future performance.\n\n\nWhere dividends is declared, following the distribution, the price per unit will be reduced accordingly to account for the dividends. The value of your investment will remain unchanged after the distribution of the dividends. It is the same where unit split is declared, the value of your investment will remain unchanged after the distribution of the additional units.\n\n\n\n\n\n\nDon\u2019t have the Raiz App?\n\n\nDownload it for free in the App store:\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/farm-fresh-and-two-more-things-you-need-to-know-this-week-weekly-ended-21-02-2023/", "title": "Farm Fresh \u2013 and TWO more things you need to know this week (weekly ended 21/02/2023).", "body": "Farm Fresh \u2013 and TWO more things you need to know this week (weekly ended 21/02/2023).\n\n\nKlik sini untuk Bahasa Melayu\n\n\nSharing some Investing and Economic insights:\n\n\n\n\n\u00a0\n\n\nTHREE things you need to know this week;\n\n\n\n\nFarm Fresh to acquire a 65% stake in the home-grown ice-cream chain, The Inside Scoop for RM83.9 million to expand into the food and beverage (F&B) industry.\n\n\nHong Kong\u2019s FWD Group buys a majority stake in insurer Gibraltar BSN Life Bhd. FWD, which has been in Malaysia since 2019 as a provider of takaful, together with other investors, are acquiring a 70% stake in Gibraltar BSN from Prudential Insurance. BSN would continue to hold the remaining 30% stake. This will enable FWD to offer both family takaful and conventional life insurance in Malaysia.\n\n\nBursa Malaysia ended in the red for three consecutive days and expected to remain cautious as investors prepared for news ahead of the upcoming tabling of Budget 2023.\n\n\n\n\n\u00a0\n\n\nRaiz is about helping you save & invest more \u2013 being\n able to save 5% of your salary is better\n than earning 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).\n\n\n\u00a0\n\n\nDo you know?\n\n\nMicro-investing\n\n\nIt is investing small amounts, like spare change. It helps you to get started now and enable you to do it often. Because \nsikit-sikit, lama-lama jadi bukit\n.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/farm-fresh-dan-dua-lagi-perkara-yang-anda-perlu-tahu-minggu-ini-minggu-berakhir-21-02-2023/", "title": "Farm Fresh \u2013 dan DUA lagi perkara yang anda perlu tahu minggu ini (minggu berakhir 21/02/2023).", "body": "Farm Fresh \u2013 dan DUA lagi perkara yang anda perlu tahu minggu ini (minggu berakhir 21/02/2023).\n\n\nClick here for English\n\n\nKami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:\n\n\n\n\n\u00a0\n\n\nTIGA perkara yang anda perlu tahu minggu ini;\n\n\n\n\nFarm Fresh merancang untuk mengambil alih 65% kepentingan dalam rangkaian aiskrim tempatan, The Inside Scoop dengan harga RM83.9 juta, membolehkan mereka berkembang ke dalam industri makanan dan minuman (F&B).\n\n\nFWD Group Hong Kong membeli kepentingan majoriti dalam syarikat insurans Gibraltar BSN Life Bhd. FWD, yang telah berada di Malaysia sejak 2019 sebagai penyedia takaful, bersama-sama dengan pelabur lain, merancang mengambil alih 70% kepentingan dalam Gibraltar BSN daripada Prudential Insurance. BSN akan terus memegang baki 30% kepentingan. Ini akan membolehkan FWD menawarkan takaful keluarga dan insurans hayat konvensional di Malaysia.\n\n\nBursa Malaysia berakhir merah selama tiga hari berturut-turut dan dijangka kekal berhati-hati berikutan pelabur bersedia untuk menerima berita menjelang pembentangan Bajet 2023 yang akan datang.\n\n\n\n\n\u00a0\n\n\nRaiz membantu anda menyimpan & melabur \u2013 \nberjaya menyimpan 5% daripada gaji anda adalah lebih baik\n daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\u00a0\n\n\nAnda tahu?\n\n\nPelaburan mikro\n\n\nMelabur dengan amaun yang kecil, seperti duit baki harian. Jadi anda boleh bermula sekarang dan melabur selalu. Kerana sikit-sikit, lama-lama jadi bukit.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/fitch-unjur-ekonomi-catat-pertumbuhan-sifar/", "title": "Fitch Unjur Ekonomi Catat Pertumbuhan Sifar (minggu berakhir 17/08/2021)", "body": "Fitch Unjur Ekonomi Catat Pertumbuhan Sifar (minggu berakhir 17/08/2021)\n\n\n\u00a0\n\n\nBerikut adalah beberapa maklumat berkenaan Pelaburan dan Ekonomi:\n\n\n\n\n\n\nFitch, agensi penarafan kredit global, menyemak semula unjuran pertumbuhan KDNK Malaysia 2021 kepada 0% daripada 4.9% sebelumnya \u2013 The Edge.\n\n\n\nIa menyatakan risiko penurunan selanjutnya terhadap unjuran tersebut memandangkan tahap risiko politik yang tinggi sejak awal separuh kedua 2021 (Julai hingga Dis 2021 atau 2H21).\n\n\nSemakan semula oleh Fitch adalah beberapa hari selepas Bank Negara menurunkan unjuran pertumbuhan 2021 kepada antara 3% \u2013 4%, daripada 6% \u2013 7.5% sebelumnya.\n\n\n\n\n\n\n\n\n\n\nKetua Penyelidikan RakutenTrade, Kenny Yee, berkata nilai hampir kesemua 10 saham utama di FBM KLCI telah \u201cditindas\u201d hanya akibat penjualan melampau oleh dana asing \u2013 The Star.\n\n\n\nAkibatnya, saham-saham ini kini didagangkan di bawah nisbah harga-kepada-pendapatan (PE) mereka sebelum ini.\n\n\nYee juga berkata penilaian saham-saham di Bursa Malaysia menjadi menarik tetapi tidak banyak yang mahu membeli.\n\n\n\n\n\n\n\n\n\n\nUnit FGV Holdings Bhd (FGV) bekerjasama dengan Felcra Bhd dan Baladna Food Industries Qatar untuk menerokai peluang bekerjasama menjadikan FGV Chuping Agro Valley di Perlis sebagai salah satu hab agro terkemuka di Malaysia \u2013 The Star.\n\n\n\nFELDA miliki 81% saham FGV.\n\n\nBaladna Food Industries merupakan pengeluar tenusu terbesar Qatar.\n\n\n\n\n\n\n\n\n\n\nSaudi Aramco dalam perbincangan lanjut untuk memperolehi kepentingan dalam perniagaan penapisan minyak dan kimia milik Reliance Industries Ltd India \u2013 The Star.\n\n\n\nAramco sedang membincangkan pembelian kira-kira 20% kepentingan dalam unit Reliance itu bernilai kira-kira AS$20bil (RM84.72bil) hingga AS$25bil (RM106bil) saham Aramco melalui \u201cperjanjian semua saham\u201d. Ini akan memberikan Reliance sekitar 1% kepentingan dalam Aramco.\n\n\nSaudi Aramco adalah pengeksport minyak terbesar di dunia dengan nilai pasaran kira-kira AS$1.9 trilion (RM8.04 trilion).\n\n\n\n\n\n\n\n\n\u00a0\n\n\nDefinisi Minggu Ini: \nPerjanjian Semua Saham (All-stock Deal)\n\n\nDalam penggabungan & pengambilalihan (M&A), perjanjian semua saham adalah dimana pemegang saham syarikat yg diambilalih menerima saham-saham syarikat yang mengambilalih sebagai bayaran.\n\n\n\u00a0\n\n\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/five-ways-to-get-better-at-managing-your-money/", "title": "Five ways to get better at managing your money", "body": "Five ways to get better at managing your money\n\n\nWhen it comes to managing your money, there are many quick and easy ways to start on the path to getting control of your finances. Here are five of the best:\n\n\n\u00a0\n\u00a0\n\n\n\n\n Use a financial calendar\n\n\n\n\nA big part of money management is getting better at planning your finances. So, if you find it difficult to stay on top of your rent payment obligations or your bank account is running low, consider setting appointment reminders for these important money matters in the same way you would for other key dates like a car service, or a doctor\u2019s appointment. That way, you don\u2019t have to rely entirely on your memory.\n\u00a0\n\n\n\u00a0\n\u00a0\n\n\n\n\n Create a budget\n\n\n\n\nLiving within your means is super important if you want to take control of your financial future. This is where having a budget comes in because it can provide a useful personal insight into how you allocate your funds. Start by dividing your budget up into income and expenses so that you can see how you\u2019re placed when it comes to money that\u2019s flowing into your accounts as well as your expenses, or outgoings. From there, you can create goals, adjust your habits if necessary, and check in regularly to make sure you stay on track.\n\u00a0\n\n\nThe \nMy Finance\n feature in the Raiz App can assist with this.\n\u00a0\n\n\n\u00a0\n\u00a0\n\n\n\n\n Get smart on \u2018Hari Gaji\u2019\n\n\n\n\nIt also makes sense to look at your routine on payday, especially if you tend to blow a lot of cash as soon as it lands in your bank account. Examine your spending habits around payday by listing all your purchases and see where you can change it up to save money. For instance, if you tend to shop on new clothes or expensive food when you get paid, consider scheduling a less expensive activity or\u00a0\ndining option instead. By being a bit smarter with your money, you can still have fun and you\u2019ll no longer be living\u00a0paycheck\u00a0to\u00a0paycheck.\n\u00a0\n\n\nIt is also wise to save on the day you get paid. One way to do this is by setting up a recurring deposit inside the Raiz App to sweep money from your bank account into your Raiz account before you spend your\u00a0paycheck\u00a0on unnecessary items elsewhere.\n\u00a0\n\n\n\u00a0\n\u00a0\n\n\n\n\n Consider micro-investing\n\n\n\n\nAnother way to make small amounts of money go a long way is by using a micro-investing app like Raiz. Our smartphone app enables you to grow your money by investing spare change automatically from everyday purchases\n.\n\u00a0\n\n\nBy \u201crounding up\u201d\u00a0\nyour\u00a0\neveryday\u00a0\npurchases\n, we can help you make your spare change go further, with the aim being that you invest small amounts of money on a regular basis so that over time, your small investments add up to a lot. You can also set up recurring deposits and savings goals which will automatically invest a set amount\u00a0\ndaily, weekly, fortnightly\n\u00a0or monthly\n.\n\u00a0\n\n\n\u00a0\n\u00a0\n\n\n\n\n Get out of debt\n\n\n\n\nIt\u2019s hard to get on top of your finances when you\u2019re surrounded by debt. Interest rates on things like credit cards, personal loans and car loans are often high and servicing them can be a roadblock on your path to better money management.\n\u00a0\n\n\nHere, consider starting by paying off small debts first to get confidence to tackle the bigger ones. You could setup a goal inside the Raiz App to assist in meeting your target to pay off a debt. We know it can be hard, but even taking small steps can add up over time.\n\u00a0\n\n\nIt\u2019s also a good idea to look at your spending habits to see if there are items you can eliminate as well as changing the behaviours that got you into debt in the first place.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/foreign-funds-returned-to-bursa-malaysia-and-two-more-things-you-need-to-know-this-week-weekly-ended-18-04-2023/", "title": "Foreign funds returned to Bursa Malaysia \u2013 and TWO more things you need to know this week. (weekly ended 18/04/2023)", "body": "Foreign funds returned to Bursa Malaysia \u2013 and TWO more things you need to know this week. (weekly ended 18/04/2023)\n\n\nKlik sini untuk Bahasa Melayu\n\n\nSharing some Investing and Economic insights:\n\n\n\n\nTHREE things you need to know this week;\n\n\n\n\nForeign funds returned to Bursa Malaysia \nfor the third consecutive week of inflows as at last week \u2013 MIDF Research.\n\n\n\nThe top three sectors that saw net foreign inflows last week were Technology, Financial Services and Plantation while the top three sectors that saw net foreign outflows were Utilities, Healthcare and REITs.\n\n\nLocal retailers however continued their trend of net selling for the third consecutive week.\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\nTotal vehicle sales for March 2023 in Malaysia hit a new monthly all-time high\n of 78,849 units, surpassing the previous record of 76,657 units in December 2022 \u2013 MAA.\n\n\n\n\n\u00a0\n\n\n\n\nMalaysian banks are likely to remain stable \ndespite the potential negative spill overs from banking stresses in the US and Europe \u2013 due to its robust liquidity and capital buffers. Malaysian banks are also well capitalised \u2013 Fitch.\n\n\n\n\n\u00a0\n\n\nRaiz is about helping you save & invest more \u2013 being \nable to save 5% of your salary is better\n than earning 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).\n\n\n\u00a0\n\n\nDo you know?\n\n\nElon Musk (the Twitter and Tesla boss) cofounded OpenAI \u2013 but left the company in 2018.\n\n\nOpenAI supercharged the interest in AI when it launched ChatGPT. Microsoft has since cumulatively invested USD13 billion in OpenAI since 2019.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/four-things-you-need-to-know-this-week-to-start-this-year-weekly-ended-10-01-2023/", "title": "FOUR things you need to know this week \u2013 to start this year (weekly ended 10/01/2023).", "body": "FOUR things you need to know this week \u2013 to start this year (weekly ended 10/01/2023).\n\n\nKlik sini untuk Bahasa Melayu\n\n\nSharing some Investing and Economic insights:\n\n\n\n\nFOUR things you need to know this week;\n\n\n\n\nIt was a nervous start to the \nnew year\n on Wall Street, but this was overcome after stocks rallied last week following the release of positive US December job market data. However, they gave up gains to close lower yesterday.\n\n\nThe US Fed has renewed commitment to a rate hike cycle until inflation cools down to their target. Prices rose less than expected in November, the latest sign that the inflation which has been gripping the economy is beginning to loosen up. US Consumer Price Index (CPI) was 7.1% in November and is expected to cool down further to 6.5% in December.\n\n\nEurozone inflation remains hot, though it\u2019s heading in the right direction at 9.2% last Dec, down from 10.1% in Nov 2022.\n\n\nChina has re-opened their borders before the Chinese New Year with travellers no longer required to quarantine upon entry. This could be the key to the global economy rebound in 2023.\n\n\n\n\n\u00a0\n\n\nRaiz is about helping you save & invest more \u2013 being\n able to save 5% of your salary is better\n than earning 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).\n\n\n\u00a0\n\n\nDo you know?\n\n\nWall Street\n\n\nIt is the name of a street in the financial district of Manhattan in New York. It also refers to financial markets of the United States as a whole.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/four-things-you-need-to-know-this-week-weekly-ended-01-11-2022/", "title": "FOUR things you need to know \u2013 this week (weekly ended 01/11/2022).", "body": "FOUR things you need to know \u2013 this week (weekly ended 01/11/2022).\n\n\nKlik sini untuk Bahasa Melayu\n\n\nSharing some Investing and Economic insights:\n\n\n\n\nFOUR things you need to know this week;\n\n\n1. Investors\u2019 sentiment was positive last week amid hopes that the pace of interest rate rises is starting to slow.\n\n\n2. In the meantime, all eyes will be on interest rate decisions from key central banks. US Fed, Bank of England, Australia\u2019s RBA are expected to deliver rate hikes this week. At home, investors are cautiously waiting for interest rate announcement from BNM \u2013 though it is unlikely.\n\n\n3. Tony Fernandes steps down as Group CEO of AirAsia X \u2013 and said now he will focus on Capital A Bhd.\n\n\n4. Raiz is about helping you save & invest more \u2013 being\n able to save 5% of your salary is better\n than earning 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).\n\n\n\u00a0\n\n\nDo you know?\n\n\nWorld\u2019s largest iPhone factory is in China. It is run by Foxconn, a Taiwan-based company, which acts as the largest supplier to US-based Apple.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/further-diversify-your-portfolio-with-gold/", "title": "Further diversify your portfolio with Gold!", "body": "Further diversify your portfolio with Gold!\nKlik sini untuk Bahasa Melayu\n\n\n10-03-2022 \n\n\nGold can traditionally outperforms other assets in a market downturns and times of high uncertainty like we are currently experiencing (however is, this is not the only driving factor of its value).\n\n\n\u00a0\n\n\n\n\n\n\nYear-to-date growth\n\n\n(1 Jan 2022 \u2013 8 Mar 2022)\n\n\n\u00a0\n\n\nRaiz now provides you the option to further diversify your portfolio with the inclusion of \nGOLD\n through \nAffin Hwang Shariah Gold Tracker Fund\n in the Custom Portfolio!\n\n\n\u00a0\n\n\n\n\n\u00a0\n\n\nTo include the Gold fund in your Custom Portfolio;\n\n\nOpen your Raiz app \n> Home\n > \nInvest\n > \nPortfolio\n > Custom Portfolio icon (on the most right) > \nEdit Portfolio.\n\n\nYou can allocate up to maximum 30% weight.\n\n\nLearn how to have more control of your investment with Custom Portfolio \nhere\n or by watching the video \nhere\n.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/gamuda-sahkan-rancangan-penjualan-lebuhraya-miliknya-kepada-kerajaan/", "title": "Gamuda Sahkan Rancangan Penjualan Lebuhraya Miliknya kepada Kerajaan (minggu berakhir 11/05/2021)", "body": "Gamuda Sahkan Rancangan Penjualan Lebuhraya Miliknya kepada Kerajaan (minggu berakhir 11/05/2021)\n\n\n\u00a0\n\n\nBerikut adalah beberapa maklumat berkenaan Pelaburan dan Ekonomi:\n\n\n\n\n\n\nGamuda sahkan rancangan untuk jual empat konsesi lebuhraya miliknya kepada kerajaan \u2013 The Edge\n\n\n\nGamuda mengawal lebuhraya LDP, SPRINT, KESAS dan Terowong Smart.\n\n\nDi bawah cadangan itu, Gamuda akan menjualnya kepada satu Tabung Amanah yang ditubuhkan oleh kerajaan. Tabung Amanah ini akan mengumpul wang untuk pembelian tersebut daripada pelabur-pelabur bon. Jaminan pulangan tahunannya akan disokong oleh aliran tunai dari tol-tol tersebut tanpa sebarang keperluan untuk jaminan kerajaan.\n\n\nBermakna, tiada kenaikan tol \u2013 pengguna lebuhraya akan terus membayar jumlah yang sama tetapi untuk tempoh yang lebih lama.\n\n\n\n\n\n\n\n\n\n\nBNM kekalkan OPR pada 1.75% \u2013 The Edge\n\n\n\nBermakna, kos untuk pinjaman kadar terapung (seperti pinjaman rumah) akan kekal sama \u2013 bayaran bulanan tidak akan diselaraskan lebih tinggi atau rendah.\n\n\nKadar itu dijangka kekal sepanjang 2021 memandangkan kadar semasa cukup untuk menyokong pemulihan ekonomi.\n\n\nBNM masih mempunyai ruang untuk merendahkan OPR jika keadaan ekonomi merosot dengan ketara.\n\n\n\n\n\n\n\n\n\n\nInari Amertron Bhd mengumumkan kepada Bursa Malaysia bahawa ia mahu mengumpul dana sehingga RM1.07 bilion melalui penempatan saham persendirian yang akan digunakan untuk perbelanjaan modal, pengambilalihan dan pelaburan \u2013 The Edge\n\n\n\nJumlah besar ini mungkin digunakan untuk membiayai penggabungan dan pengambilalihan yang besar (M&A) yang bakal mempercepatkan pertumbuhan syarikat.\n\n\nInari akan mengumumkan keputusan kewangannya bagi suku ketiga berakhir 31 Mac 2021 bulan ini, dan penganalisis menjangkakan nombor-nombor yang baik daripada syarikat itu.\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nBursa Malaysia akan ditutup untuk dagangan pada sebelah petang pada hari Rabu (12 Mei 2021) dan sepanjang hari pada Khamis & Jumaat sempena sambutan Hari Raya.\n\n\n\nKhidmat Pelanggan Raiz juga akan beroperasi pada hari Rabu dari 9.30 pagi hingga 1 tengah hari, dan ditutup pada hari Khamis & Jumaat.\n\n\n\n\n\n\n\n\n\u00a0\n\n\nDefinisi Minggu Ini: \nDasar Monetari vs Dasar Fiskal\n\n\nDasar Monetari\n \u2013 Mengawal kadar faedah dan bekalan wang. Dikawal oleh Bank Negara.\n\n\nDasar Fiskal\n \u2013 Mengawal kadar cukai dan perbelanjaan kerajaan. Dikawal oleh kerajaan.\n\n\n\u00a0\n\n\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\n\n\n\n\n\n\n\n\n\n\n"}
{"url": "https://raiz.com.my/blog/gojek-tokopedia-goto/", "title": "Gojek + Tokopedia = GoTo (minggu berakhir 18/05/2021)", "body": "Gojek + Tokopedia = GoTo (minggu berakhir 18/05/2021)\n\n\n\u00a0\n\n\nBerikut adalah beberapa maklumat berkenaan Pelaburan dan Ekonomi:\n\n\n\n\n\n\nGergasi e-hailing dan pembayaran Indonesia, Gojek dan peneraju pasaran e-dagang, Tokopedia bergabung untuk mewujudkan syarikat teknologi bernilai berbilion dolar, GoTo.\n\n\n\nGoTo, yang akan meliputi perniagaan membeli-belah dalam talian, perkhidmatan kurier, e-hailing, penghantaran makanan dan perkhidmatan lain, akan menjadi syarikat persendirian berasaskan teknologi terbesar di Asia Tenggara.\n\n\nPelabur-pelabur terbesar GoTo termasuk Alibaba Group, SoftBank Group, dana milik kerajaan Singapura (GIC) dan Tencent Holdings.\n\n\nNilai syarikat belum diketahui tetapi dianggarkan boleh mencapai sehingga USD40 billion.\n\n\n\n\n\n\n\n\n\n\nPublic Bank mencatatkan keuntungan bersih RM1.53 bilion bagi suku pertama berakhir 31 Mac \u00a02021, meningkat 15% \u00a0tahun ke tahun \u2013 The Star.\n\n\n\nSetakat semalam, saham Public Bank ditutup pada RM4.26, dengan nilai pasaran semasa kumpulan perbankan ini sebanyak RM82.7 bilion. Sebagai perbandingan, Maybank, bank terbesar Malaysia bernilai pasaran RM94.7 bilion.\n\n\nTeh Hong Piow, Penasihat Kumpulan, mengasaskan bank itu pada tahun 1966. Beliau juga merupakan orang ke-4 terkaya di Malaysia berdasarkan senarai Forbes World\u2019s Billionaires 2021.\n\n\n\n\n\n\n\n\n\n\nSoftBank Group, syarikat gergasi pelaburan melaporkan keuntungan bersih tahunan terbaik bagi syarikat Jepun \u2013 99 trilion yen (USD45 bilion atau RM188.9 bilion) bagi tahun berakhir Mac \u2013 Malay Mail.\n\n\n\nRekod keuntungan tahunan syarikat Jepun sebelum ini yang dipegang oleh Keuntungan ini juga melebihi USD42.5 bilion yang dibuat oleh syarikat Warren Buffet, Berkshire Hathaway pada tahun perniagaan terakhirnya.\n\n\nRekod keuntungan dipacu oleh norma kehidupan baru dalam talian yang telah menyebabkan sektor teknologi berkembang pesat dan membantu pelaburannya di syarikat-syarikat ini unutk membuat keuntungan yang besar.\n\n\nPengasasnya, Masayoshi Son, bagaimanapun mengakui dia mempunyai \u00a0\u201cpenyesalan\u201d berhubung beberapa keputusan lalu. \u201cTerdapat beberapa pelaburan kami yang gagal \u2013 WeWork, Greensill, Katerra. Tetapi apa yang saya lebih kesali ialah ada syarikat-syarikat yang bagus tetapi saya tidak melabur dalam mereka. Ibarat saya bermain besbol, seperti terlepas pukulan.\u201d\n\n\n\n\n\n\n\n\n\n\nLembaga Tabung Angkatan Tentera (LTAT) telah mengisytiharkan dividen lebih baik sebanyak 3.5% bagi tahun kewangan berakhir 31 Dis 2020 berbanding 2.5% pada tahun\n\n\n\nPada 31 Disember 2020, Aset Dibawah Pengurusan (AUM) nya berjumlah RM9.6 bilion. Sebagai perbandingan, AUM Permodalan Nasional Berhad (PNB) ialah 6 bilion.\n\n\n\n\n\n\n\n\n\n\nBitcoin didagangkan di bawah USD45,000 Ahad lepas selepas tweet oleh bos Tesla, Elon Musk, menggambarkan Tesla mungkin telah menjual pegangan bitcoinnya \u2013\n\n\n\nMinggu lepas, Musk berkata Tesla tidak lagi akan menerima bitcoin untuk pembelian keretanya \u2013 berita yang menyebabkan bitcoin menjunam kira-kira 12% pada masa itu.\n\n\nMusk adalah penyokong terbuka mata wang kripto.\n\n\nMusk kemudiannya membuat tweet susulan, \u201cUntuk menjelaskan spekulasi, Tesla tidak menjual pegangan bitcoinnya.\u201d\n\n\n\n\n\n\n\n\n\u00a0\n\n\nDefinisi Minggu Ini: \nPenggabungan dan Pengambilalihan (M&A)\n\n\nApabila dua atau lebih syarikat bergabung. Contoh;\n\n\n\n\nCelcom Axiata Bhd + Digi.Com Bhd = Celcom Digi Bhd\n\n\nAmBank Group membeli 100% saham syarikat MBf Cards Sdn Bhd\n\n\nSapuraCrest Petroleum Bhd + Kencana Petroleum Bhd = SapuraKencana Petroleum Bhd\n\n\n\n\n\u00a0\n\n\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/had-harga-minyak-rusia-dan-tiga-perkara-yang-anda-perlu-tahu-minggu-ini-minggu-berakhir-06-12-2022/", "title": "Had harga minyak Rusia \u2013 dan TIGA perkara yang anda perlu tahu minggu ini (minggu berakhir 06/12/2022).", "body": "Had harga minyak Rusia \u2013 dan TIGA perkara yang anda perlu tahu minggu ini (minggu berakhir 06/12/2022).\n\n\nClick here for English\n\n\nKami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:\n\n\n\n\nTIGA perkara yang anda perlu tahu \u2013 minggu ini;\n\n\n\n\nRinggit ditutup tinggi\n berbanding dolar AS dan mata wang utama lain minggu lepas.\n\n\n\u00a0Penggabungan Celcom dan Digi akhirnya selesai, menjadikannya syarikat telekomunikasi terbesar di Malaysia. \nKWSP dan PNB merupakan antara pelabur terbesar dalam syarikat baharu ini yang dikenali sebagai Celcom Digi.\n\n\nMinggu lepas, negara-negara G7, EU dan Australia bersetuju untuk menetapkan had maksimum harga minyak Rusia pada US$60 setong. Jika harga melebihi US$60, mereka tidak akan membiarkan Rusia menghantar minyaknya menggunakan kapal tangki mereka, dan mereka akan menghentikan syarikat daripada membekalkan insuran and membiayai kapal yang membawa minyak Rusia. Ini demi melemahkan keupayaan Rusia untuk terus membiayai perang di Ukraine. Rusia \u2013 yang merupakan pengeluar minyak mentah kedua terbesar di dunia \u2013 mengancam untuk menghentikan eksport minyak ke negara-negara yang terlibat. Ini \nmungkin mendorong harga minyak naik lebih tinggi\n.\n\n\n\n\nRaiz membantu anda menyimpan & melabur \u2013 \nberjaya menyimpan 5% daripada gaji anda adalah lebih baik\n daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\u00a0\n\n\nAnda tahu?\n\n\nPada 3Q22, pelaburan luar negara KWSP merangkumi 36% daripada jumlah aset pelaburannya.\n\n\nPortfolio Bolehubah\n Raiz membolehkan anda melabur dalam saham-saham syarikat tersenarai di seluruh dunia.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/halo-dari-parlimen-tergantung-dan-tiga-perkara-yang-anda-perlu-tahu-minggu-ini-minggu-berakhir-22-11-2022/", "title": "Halo dari parlimen tergantung. Dan TIGA perkara yang anda perlu tahu \u2013 minggu ini (minggu berakhir 22/11/2022).", "body": "Halo dari parlimen tergantung. Dan TIGA perkara yang anda perlu tahu \u2013 minggu ini (minggu berakhir 22/11/2022).\n\n\nClick here for English\n\n\nKami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:\n\n\n\n\nTIGA perkara yang anda perlu tahu \u2013 minggu ini;\n\n\n\n\nHalo dari parlimen yang tergantung. Bursa Malaysia susut mendadak semalam \u2013 turun 21 mata pada paras terendah harian. Walau bagaimanapun menjelang pasaran ditutup, ia telah\u00a0 melantun untuk berakhir hanya 1 mata lebih rendah pada 1,448 apabila \npelabur melihat ianya sebagai tawaran menarik untuk membeli saham pada harga rendah kerana melihat ianya hanya sebagai kelemahan sementara dalam pasaran\n.\n\n\n\u00a0Grab berjaya mengurangkan kerugian dalam tempoh Julai-September dan \nsegmen penghantarannya telah balik modal \n(breakeven)\n buat kali pertama sejak 2012\n. Januari\u00a0 lalu, Grab membeli saham majoriti dalam rangkaian pasar raya premium Malaysia, Jaya Grocer untuk memacu pertumbuhan segmen penghantaran barangan runcitnya.\u00a0 Disenaraikan di Bursa Saham New York pada 21 Disember lepas, saham Grab telah jatuh kira-kira 70% sejak itu.\n\n\nMusim laporan pendapatan korporat suku ke-3 sudah tiba (untuk suku ke-3 berakhir 30 Sep 2022).\n\n\n\nPos Malaysia:\n kerugian bersih suku ke-3 yang lebih rendah sebanyak RM33.63 juta, berbanding RM43.9 juta pada tahun sebelumnya.\n\n\nMISC\n: Keuntungan bersih bagi suku ke-3 meningkat dua kali ganda kepada RM820.6 juta daripada RM401 juta setahun sebelumnya.\n\n\nSP Setia\n: Keuntungan bersih melonjak lebih 6 kali ganda kepada RM70.18 juta pada suku ke-3 daripada RM11.01 juta pada suku yang sama tahun lepas.\n\n\nGas Malaysia:\n Keuntungan bersih suku ke-3 sebanyak RM95.66 juta, meningkat 53.4% daripada RM62.36 juta pada tahun sebelumnya.\n\n\n\n\n\n\n\n\nRaiz membantu anda menyimpan & melabur \u2013 \nberjaya menyimpan 5% daripada gaji anda adalah lebih baik\n daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\u00a0\n\n\nAnda tahu?\n\n\nQatar telah membelanjakan sebanyak USD300 billion untuk persediaan Piala Dunia FIFA 2022 \u2013 membuatkan Piala Dunia kali ini termahal dalam sejarah.\n\n\nPiala Dunia 2014 di Brazil dilaporkan melibatkan kos sebanyak USD15 billion, sementara USD11.6 billion dibelanjakan oleh Rusia untuk Piala Dunia 2018.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/hanya-dua-perkara-yang-anda-perlu-tahu-minggu-ini-minggu-berakhir-08-08-2023/", "title": "Hanya DUA perkara yang anda perlu tahu minggu ini (minggu berakhir 08/08/2023)", "body": "Hanya DUA perkara yang anda perlu tahu minggu ini (minggu berakhir 08/08/2023)\n\n\nClick here for English\n\n\nKami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:\n\n\n\n\n\n\nPelaburan oleh syarikat asing di China jatuh ke paras terendah\n dalam tempoh 25 tahun pada suku ke-2 tahun ini menurut Pentadbiran Pertukaran Asing China (SAFE) \u2013 ini menunjukkan kebimbangan tentang ketegangan geopolitik dan pembaharuan ekonomi yang perlahan boleh menjejaskan keyakinan pelabur.\n\n\n\n\n\u00a0\n\n\n\n\nHarga saham Berkshire Hathaway mencatat rekod tertinggi pada hari Isnin semalam, mencecah USD555,800 sesaham, melepasi paras tertinggi sebelumnya USD544,000 yang ditetapkan pada 28 Mac 2022.\n\n\n\n\n\n\nSebagai perbandingan, harga saham termahal di Bursa Malaysia adalah saham Nestle sebanyak RM132.20 semalam.\n\n\nWarren Buffett, 92, memiliki kira-kira 15% saham Berkshire dan beliau telah mengetuai Berkshire sejak 1965. Beliau kini lebih kaya daripada pemilik Microsoft Bill Gates dan merupakan orang kelima terkaya di dunia, dengan kekayaan USD121.5 bilion, menurut majalah Forbes.\n\n\n\n\n\u00a0\n\n\nRaiz membantu anda menyimpan & melabur \u2013 berjaya menyimpan 5% daripada gaji anda setiap bulan adalah lebih baik daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\u00a0\n\n\nAnda tahu?\n\n\nEkuiti\n\n\nEkuiti adalah kata nama lain untuk saham. Ekuiti anda adalah sebahagian daripada pemilikan syarikat. Pemegang saham (atau pemegang ekuiti) berhak mendapat dividen yang mewakili bahagian keuntungan syarikat mereka.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/hari-2-simpanan-dan-pelaburan-untuk-kecemasan/", "title": "Simpanan (dan Pelaburan) untuk Kecemasan", "body": "Simpanan (dan Pelaburan) untuk Kecemasan\n\n\n\u00a0\n\n\n\u201cSediakan payung sebelum hujan.\u201d\u00a0\n\n\nTahniah kerana berjaya sampai hari ke-2 Pendidikan Pelaburan kami! Sekarang apabila anda sudah fahami asas kewangan, anda sudah bersedia untuk melangkah ke tahap seterusnya \u2013 \nmembuat belanjawan dan mula menyimpan\n.\n\n\n\n\nAnda akan sedar apabila anda mula menyimpan, walau sedikit sekalipun, tetapi berterusan, tabung anda akan dapat bertambah dari semasa ke semasa tanpa anda sedari!\n\n\n\u00a0\n\n\nPerkataan Hari Ini: Tabung Kecemasan\n\n\nWang yang disimpan untuk waktu kecemasan yang mungkin berlaku pada bila-bila masa. Contohnya, ketika pandemik COVID-19.\n\n\n\u00a0\n\n\nIngat 3 nombor ini \u2013 50/30/20\n\n\nPrinsip yang mudah dipraktikkan:\n\n\n\n\nKeperluan anda (50%).\n\n\nKehendak (30%).\n\n\nSimpanan dan pelaburan (20%).\n\n\n\n\nNombor ini tidak semestinya tetap. Namun, ia memberikan asas yang kuat untuk membina tabiat kewangan yang sihat untuk membantu anda mencapai matlamat anda. Contohnya, apabila krisis berlaku dan wang untuk perbelanjaan keperluan terhad, anda mungkin perlu mengurangkan bahagian wang untuk simpanan buat sementara waktu.\n\n\n\u00a0\n\n\nPerbaiki belanjawan anda\n\n\nSekiranya anda melihat gambaran belanjawan anda secara umum, anda akan segera melihat bahawa terdapat beberapa jenis pengeluaran wang dari gaji anda seperti ini:\n\n\n\n\nPelaburan / tabung kecemasan.\n\n\nKeperluan yang tidak boleh diubah.\n\n\nKeperluan yang boleh dikawal.\n\n\nBukan keperluan.\n\n\n\n\nKuncinya adalah untuk menghasilkan belanjawan dengan mencari alternatif dan pilihan untuk berbelanja.\n\n\nSebagai contoh:\n\n\n\n\nRamai rakyat Malaysia lupa bahawa bil asas rumah seperti internet dan telefon semuanya boleh ditukar. Dengan menukar kepada yang lebih murah, anda dapat menjimatkan ratusan perbelanjaan tahunan anda dengan mudah!\n\n\nBeli secara pukal. Anda mungkin kelihatan seperti orang gila untuk seketika, tetapi ini benar-benar dapat menjimatkan wang perbelanjaan anda.\n\n\nCuba bayar awal atau tepat pada masanya \u2013 sebilangan penyedia servis akan memberikan potongan untuk pembayaran tepat pada waktunya dan mengelakkan denda caj yang lewat (contoh: Caj tahunan untuk insurans kadangkala lebih murah daripada bulanan).\n\n\n\n\n\u00a0\n\n\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/hari-bitcoin-el-salvador/", "title": "\u201cHari Bitcoin\u201d El Salvador (minggu berakhir 14/09/2021)", "body": "\u201cHari Bitcoin\u201d El Salvador (minggu berakhir 14/09/2021)\n\n\n\u00a0\n\n\nBerikut adalah beberapa maklumat berkenaan Pelaburan dan Ekonomi:\n\n\n\n\n\n\n\u201cHari Bitcoin\u201d El Salvador \u2013 Forbes.\n\n\n\nEl Salvador secara rasmi menjadi negara pertama di dunia yang menerima pakai Bitcoin sebagai mata wang yang sah.\n\n\n6.5 juta penduduknya boleh membayar cukai dan pinjaman dengan mata wang kripto ini dan membolehkan perniagaan di seluruh negara menerimanya sebagai pembayaran.\n\n\nMenjelang \u201cHari Bitcoin\u201d, negara itu telah membeli 400 bitcoin bernilai anggaran AS$21 juta dan melancarkan beratus-ratus ATM bitcoin.\n\n\nWalau bagaimanapun, keputusan untuk menjadi ekonomi dunia pertama menerima pakai bitcoin tidak membantu nilai mata wang kripto itu. Dalam masa beberapa jam setelah diumumkan, pasaran kripto mengalami gelombang penjualan besar-besaran.\n\n\n\n\n\n\n\n\n\n\n11 syarikat Malaysia berjaya tersenarai di Syarikat Terbaik Bawah AS$1 Bilion 2021 oleh Forbes Asia.\n\n\n\nSenarai itu mengiktiraf 200 syarikat senaraian awam bersaiz kecil dan sederhana di Asia Pasifik yang mencatatkan jualan di bawah AS$1 bilion.\n\n\nSyarikat-syarikat Malaysia ialah Comfort Gloves Bhd, D&O Green Technologies Bhd, Dancomech Holdings Bhd, Dufu Technology Corp Bhd, FoundPac Group Bhd, Frontken Corp Bhd, Revenue Group Bhd, Scientex Bhd, Thong Guan Industries Bhd, UG Healthcare Corp dan ViTrox Corp Bhd.\n\n\n\n\n\n\n\n\n\n\nHarga minyak naik ke paras tertinggi enam minggu. Harga aluminium pula mencecah AS$3,000 satu tan buat kali pertama sejak 2008 \u2013 The Star.\n\n\n\n\n\n\nKestabilan politik \u2013 parlimen akan kekal sehingga Julai 2022 di bawah MoU Kerajaan-Pembangkang \u2013 The Edge.\n\n\n\nMalaysia mungkin tidak akan menyaksikan pilihan raya umum ke-15 sehingga Ogos 2022 paling awal, berdasarkan memorandum bersejarah mengenai transformasi politik dan kestabilan antara gabungan kerajaan persekutuan dan Pakatan Harapan (PH) semalam.\n\n\nMemorandum bersejarah ini akan membolehkan Malaysia menumpukan semula usaha memerangi Covid-19 dan kesan pandemik ini.\n\n\n\n\n\n\n\n\n\u00a0\n\n\nAdakah anda tahu?..\n\n\nApabila anda \u201cmelabur\u201d, anda sebenarnya membeli unit-unit. Harga seunit bergerak naik dan turun mengikut pergerakan pasaran saham semasa.\n\n\nApabila anda membuat \u201cpengeluaran\u201d, anda sebenarnye menjual unit-unit anda.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/hello-from-the-hung-parliament-and-three-things-you-need-to-know-this-week-weekly-ended-22-11-2022/", "title": "Hello from the hung parliament. And THREE things you need to know \u2013 this week (weekly ended 22/11/2022).", "body": "Hello from the hung parliament. And THREE things you need to know \u2013 this week (weekly ended 22/11/2022).\n\n\nKlik sini untuk Bahasa Melayu\n\n\nSharing some Investing and Economic insights:\n\n\n\n\nTHREE things you need to know this week;\n\n\n\n\nHello from the hung parliament. Bursa Malaysia fell sharply yesterday \u2013 down 21 points at its day low. But at market close, it had retraced most of its losses to end just 1 point lower at 1,448 as \nbargain-hunters have bought shares on what was seen as temporary weakness in the market\n.\n\n\nGrab narrowed losses during the July-September period and \nbroke even in its deliveries segment for the first time since 2012\n. Last January, Grab acquired a majority stake in Malaysian mass-premium supermarket chain Jaya Grocer to accelerate its expansion into grocery delivery. Listed on the New York Stock Exchange in Dec-21, shares of Grab have fallen about 70% since.\n\n\nIt\u2019s 3Q corporate earnings reporting season (for 3rd quarter ended 30 Sep 2022);\n\n\n\nPos Malaysia\n has posted a narrower third quarter net loss of RM33.63 million, compared to RM43.9 million a year earlier.\n\n\nMISC\n\u2019s net profit for the third quarter more than doubled to RM820.6 million from RM401 million a year earlier.\n\n\nSP Setia\n\u2019s net profit surged more than six times to RM70.18 million in the third quarter from RM11.01 million in the same quarter last year.\n\n\nGas Malaysia\n recorded a third quarter net profit of RM95.66 million, up 53.4% from RM62.36 million a year earlier.\n\n\n\n\n\n\n\n\nRaiz is about helping you save & invest more \u2013 being\n able to save 5% of your salary is better\n than earning 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).\n\n\n\u00a0\n\n\nDo you know?\n\n\nQatar has spent USD300 billion preparing for 2022 FIFA World Cup which makes it the most expensive World Cup in history.\n\n\nThe 2014 World Cup in Brazil costs a reported USD15 billion, while USD11.6 billion was spent on the 2018 World Cup in Russia.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/how-spare-change-investments-or-round-ups-work/", "title": "How Auto Round-ups or Spare Change Investments Work", "body": "How Auto Round-ups or Spare Change Investments Work\n\n\nKlik sini untuk Bahasa Melayu\n\n\n\u00a0\n\n\nWhat is spare change investment?\n\n\nSpare change investment (apart from \none-lump sum\n and \nrecurring\n investment) is Raiz\u2019s main feature to help people to save & invest just in the background of life. It is automatic and effortless so you save & invest without you noticing it!\n\n\n\n\n\u00a0\n\n\nHow does it work?\n\n\nEasy!\n\n\n1. First, link your \ndebit & credit cards\n under the Round-up Account. You may also link your bank account too.\n\n\n\n\n\u00a0\n\n\n2. Next, spend like normal and pay using the cards or online banking. Raiz will then round up that transaction to the \nnext Ringgit\n and invests the spare change into your Raiz account.\n\n\nExample, if you pay for a cup of coffee for RM8.90 using your card, we\u2019ll automatically round it up to RM9 \u2013 so your spare change is 10 cents.\n\n\nOr, you pay your bills using online banking (FPX) for RM55.20 \u2013 your spare change is 80 cents.\n\n\nWe will continue to round up your everyday purchases. We will first accumulate the spare changes (only virtually!) and when the spare change has reached at least RM5, we will take that amount from your bank, and invest it! Easy!\n\n\n\n\n\u00a0\n\n\n3. Now sit back and relax and see how it grows over time. As you spend, you save!\n\n\n\n\n\u00a0\n\n\nTry it out!\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/how-to-reach-your-savings-goals-faster/", "title": "How to reach your Savings Goal faster", "body": "How to reach your Savings Goal faster\n\n\nKlik sini untuk Bahasa Melayu\n\n\nSetting a savings goal can be a powerful tool for managing your money and making better financial decisions. It can also help you achieve your financial goals faster and more effectively. \nThe first step is having a specific savings goal in mind\n. For example, rather than \u201csaving more\u201d, you could have a more specific goal such as \u201csave & invest RM10 every week\u201d so you are able to track your progress and stay motivated at each milestone.\n\n\nOther common savings goals include saving for a house deposit, saving for a child\u2019s education, saving for travel, and saving for retirement. If you don\u2019t have a specific savings goal in mind, having an Emergency Fund for a rainy day can also be beneficial for unexpected expenses or a sudden loss of income. Learn more on this in our blog \n\u201cWhy you should have an Emergency Fund\u201d\n.\n\n\nNow that you have a goal in mind, how can you reach it faster? By automating it and letting it grow in the background of life. Most banks now offer this in the way of scheduled transfers to other subaccounts.\n\n\nRaiz also has an automatic \n\u201cSavings Goal\u201d\n feature that allows you to easily save & invest automatically into your Raiz account on a schedule that suits you.\n\n\nHere are several reasons why this can help reach your goal faster:\n\n\n\n\n\u00a0\n\n\nAutomatic Savings Goal can help you save consistently\n\n\nBy automating your savings, you can save consistently without having to remember to transfer money into your savings account manually. This can be especially helpful if you struggle to save consistently or forget to transfer money to your savings account on a consistent basis. Believe it or not, slow and steady can win the race!\n\n\n\u201cIt does not matter how slowly you go, as long as you do not stop.\u201d \u2013 Confucius.\n\n\n\u00a0\n\n\nAutomatic Savings Goal can help you save more\n\n\nYou may be surprised at how much more you could save if you didn\u2019t have to think twice about it. If you are using Raiz, enabling our \nRound-Ups\n feature is another way to save more by investing the spare change from your everyday purchases. The key is to save and invest small amounts regularly and automatically so it minimises the impact to your everyday life, which can eventually make a big difference to your future.\n\n\n\u00a0\n\n\nAutomatic Savings Goal can reduce the temptation to spend\n\n\nWhen you automate your savings, the money is transferred automatically to your savings account before you even have a chance to spend it \u2013 which can help you resist the temptation to spend your money on unnecessary things. Another quick tip to stop temptation spending is to never go into a grocery shop hungry or without a list!\n\n\n\u201cDo not save what is left after spending but spend what is left after saving.\u201d \u2013 Warren Buffett\n\n\n\u00a0\n\n\nAutomatic Savings Goal can help you make the most out of compounding power\n\n\nIf you are saving for the long term, automating your savings can help you take advantage of compounding power \u2013 which is the potential return that you get from your investments, compounded. When you save consistently over a long period of time, your money has the opportunity to compound and grow quicker to reach your goal. Like a snowball that starts small and gets larger as it rolls!\n\n\nFor more tips on how to stick to your goals for 2023, check out our blog \n\u201cHow to stick to your New Year\u2019s Resolutions\u201d\n.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/how-to-save-money-on-valentines-day/", "title": "How to Save Money on Valentine\u2019s Day", "body": "How to Save Money on Valentine\u2019s Day\n\n\nValentine\n\u2019s\n\u00a0Day\n\u00a0is the opportunity to show\u00a0\ny\nour love to that special someone and how much they mean to\u00a0\nyou\n.\u00a0\nThere\u2019s no doubt that something luxurious stays in our head for a long time. That is why sometimes people\u00a0\nbreak the banks just\n\u00a0for valentine\u2019s Day.\n\u00a0\n\n\n\n\nDon\u2019t worry\n,\n\u00a0love isn\u2019t measured in ringgit.\n\u00a0You don\u2019t have to spend a lot to show someone that you care.\n\u00a0\nI\nt\n\u2019s\n\u00a0the intention and thoughts that counts. So\n, here are a few ways\n\u00a0\nwe can have a special day on Valentine\u2019s Day without\n\u00a0ruining our budget or put us into further debt.\n\u00a0\n\n\n\u00a0\n\n\n1. Give a\u00a0handwritten letter.\u00a0\n\n\nDon\u2019t underestimate handwritten letter. It is more meaningful because writing to someone and taking the time to craft each sentence while thinking\u00a0\nof\n\u00a0that person will make them feel special.\u00a0\nH\nandwritten letter\u00a0\nalso\u00a0\nfeels more personal and is suitable to use to express our feelings for someone. Therefore, the message contained in it could be conveyed\n\u00a0more effectively\n. And you don\u2019t have to spend a fortune on a \nbeautifully designed \nletter\n. They are affordable yet still can make valentine\u2019s day special.\n\u00a0\n\n\n\u00a0\n\n\n2. Dinner at home.\u00a0\n\n\nWho sa\nys\n\u00a0you\u00a0have\n\u00a0\nto\u00a0go out to eat? You can have a romantic\u00a0\ncandlelight\n\u00a0dinner at home\n\u00a0\nhavin\ng\n\u00a0a homemade meal\n\u00a0together with your special someone\n. It does not only save you from the\u00a0\nhead busting\n\u00a0price\u00a0\nof\n\u00a0\na\n\u00a0meal\n\u00a0in a fancy restaurant,\n\u00a0but you and your partner can\n also have a more personal romantic dinner time together without the need to worry about what to wear and just enjoy your time cooking together and reminiscing your memories in more comfortable surrounding\ns\n.\n\u00a0\n\n\n\u00a0\n\n\n3. DIY gifts.\u00a0\n\n\nInstead of buying super expensive gifts why not tak\ne\n\u00a0the time and effort to give your partner a\u00a0\ngift that you\n\u00a0\ncreate yourself\n. It can\u00a0\nbe a photobook\u00a0\nthat contains\n\u00a0pictures of your memories together with your partner\n\u00a0along with a few heartfelt message\ns\n.\n\u00a0You can also handma\nd\ne a bracelet that marks your relationship milestone. Handma\nd\ne gifts certainly will not look as good as\u00a0\ndiamonds\n\u00a0or any other lavish gifts\n, but it carries more sentimental values and way cheaper.\n\u00a0\n\n\n\u00a0\n\n\n4. Spend time together.\u00a0\n\n\nYou don\u2019t have to reserve a fancy place just to celebrate valentine\u2019s day together with your partner. You can just simply spend time together at home watching movies, chatting with each other, play games or other simple activities\n\u00a0that you both can enjoy.\n\u00a0Valentine\u2019s day is not about buying gifts, it is more about spending time with each other and show your partner how\u00a0\nmuch they\n\u00a0mean to you. It can also save your money\u00a0\nand time to make a reservation at a restaurant.\n\u00a0\n\n\n\u00a0\n\n\n5. Gift of service.\u00a0\n\n\nAnother creative idea that you can use on valentine\u2019s day is\u00a0\na gift of service\n. You can create your own coupon book that contains the things you would do for your partner, such as doing the laundry\n for a week, washing a car, an hour massage and many other romantic gestures that don\u2019t cost you anything\n\u00a0and what your partner maybe hate to do\n.\u00a0\nIt\u2019s a simple\u00a0\neveryday chore\n\u00a0that\u00a0\nc\nan touch your partner\u2019s heart\n\u00a0and when you offer the service to help do it for them, that is an offer they can\u2019t resist and be thankful for.\n\u00a0\n\n\n\u00a0\n\n\n6. Take them for fun activity.\u00a0\n\n\nInstead of taking your partner to a restaurant, why not take them to go bowling\n, take a walk or maybe\u00a0\ntake her\u00a0\non a\n\u00a0hike\n\u00a0instead? Doing\u00a0\noutdoor activity surrounded by nature\u00a0\nis a good change of air of what usually been done on Valentine\u2019s Day. You can share a good conversation while taking pictures\n\u00a0with beautiful nature scenery as a background\n.\n\u00a0\n\n\n\u00a0\n\n\nAt the end of the day, you don\u2019t need to\n\u00a0empty your wallet\u00a0\nto\n\u00a0\nimpress\n\u00a0\nthe one you lov\ne\n.\u00a0\nJust giv\ning your time and show your feelings through a simple handwritten letter or handmade gift can make them feel appreciated and make the day more memorable.\n\u00a0\n\u00a0\n\n\nSometimes,\n\u00a0small simple things\n\u00a0\nare\n\u00a0more meaningful than something lavish. You just need to have a little bit of effort, time and creativity to make a simple thing special\n\u00a0for your loved ones.\n\n\n\u00a0\n\n\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/how-to-stick-to-your-new-years-resolutions/", "title": "How to stick to your New Year\u2019s Resolutions", "body": "How to stick to your New Year\u2019s Resolutions\n\n\n\u00a0\n\n\nNew Year, New Me!\n\n\nWhile growing your savings surely takes a large effort, there are some simple ways to start on the path to financial security.\n\n\nHaving new year\u2019s resolutions can be a helpful way to focus on making positive changes in your life and improving yourself across finance, health, family, friends and career (just to name a few). Having a resolution is a common thing people start the new year with. There are many benefits to setting one and most importantly, \nsticking to them\n.\n\n\nHere are a few tips that might help you stick to your new year resolutions:\n\n\n\n\n\u00a0\n\n\n1. \nMake your resolutions \nspecific and achievable\n\n\nRather than resolving to \u201cexercise more,\u201d try setting a specific goal, such as \u201cexercise for 30 minutes at least three times a week.\u201d This could also work when you try to \u201csave more\u201d \u2013 set a more specific goal such as \u201csave & invest RM20 every week\u201d so you are able to track your progress and stay motivated across all your goals for the year. Try to set your automatic recurring investments using \nRaiz recurring investments\n feature.\n\n\n\u00a0\n\n\n2. \nBreak your resolutions into smaller, more manageable goals\n\n\nIf you have a large, long-term resolution, it can be helpful to break it down into smaller, more manageable goals. This will make it feel less daunting and give you a sense of accomplishment as you make progress. For example, if your goal is to save for a house deposit, it will feel more achievable by breaking it down into smaller amounts to hit along the way. You can also use apps to work towards these smaller goals such as \nRaiz\u2019s Savings Goa\nl\n.\n\n\n\u00a0\n\n\n3. \nBe realistic with your goals\n\n\nIt\u2019s important to be realistic about what you can accomplish. One approach is to start small and gradually increase the difficulty of your goals as you become more comfortable and confident. This will help you stay motivated and avoid feeling overwhelmed or discouraged.\n\n\nIt\u2019s also important to be flexible and willing to adjust your goals if you find along the way that they are not realistic anymore. Remember that the process of working towards goals is a journey, and it\u2019s okay to make mistakes along the way. The key is to stay focused and committed.\n\n\n\u00a0\n\n\n4. \nMake your goals visible\n\n\nNow that you have specific, achievable, and realistic goals, write down your goal and place it somewhere where you will see it every day. This could be on your fridge, on your desk, or on a whiteboard in your bedroom. Creating a visual representation of your goal such as a mind map, a vision board, or a goal chart can also help you stay focused and motivated. Platforms such as \nPinterest\n can also be a great way to start.\n\n\nSharing and telling others about your goal can also help keep you motivated.\n\n\nRemember to be flexible and willing to adjust your way if needed.\n\n\n\u00a0\n\n\n5. \nKeep track of your progress\n\n\nSeeing the progress you\u2019ve made can help you feel a sense of accomplishment and encourage you to keep going. There are many different ways you can keep track of your progress, such as through a journal, a spreadsheet, or a goal tracking app. For any saving goals you have, Raiz also has a feature to allow you to track every time when you automatically put aside savings to hit your goal in the background of your life.\n\n\n\u00a0\n\n\n6. \nCelebrate your victories!\n\n\nIt\u2019s also important to celebrate your victories along the way. This can be a great way to stay motivated and give yourself a sense of accomplishment. Celebrate by rewarding yourself with a small treat or taking time to reflect on the progress you\u2019ve made.\n\n\n\u00a0\n\n\nOverall, setting and sticking to your new year resolutions can help you improve your physical and mental health, build new habits, achieve personal growth, and feel a sense of accomplishment and satisfaction. But if you slip up along the way, don\u2019t be too hard on yourself. Everyone makes mistakes :D. It\u2019s okay to get back on track and try again!\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/idea-untuk-azam-baru-tahun-2022-anda/", "title": "Cabar diri anda untuk simpan RM1,000 setahun!", "body": "Cabar diri anda untuk simpan RM1,000 setahun!\n\n\nClick here for English\n\n\n\n\n\n\n01/01/2022\n\n\nSedang kita meraikan tahun baru ini, ramai mula terfikir tentang azam baru \u2013 perkara yang mereka mahu mulakan atau hentikan, untuk kehidupan yang lebih baik. Perkara berkaitan kewangan tentunya menjadi antara azam yang paling banyak difikirkan.\n\n\nAnda belum pasti apakah azam baru untuk kewangan anda? Kami kongsi beberapa idea.\n\n\n\n\n\u00a0\n\n\nKomitmen untuk menabung dahulu\n\n\nDapat sahaja gaji, ramai orang akan berbelanja dahulu, dan hanya menyimpan kemudian (jika ada baki!). Ini tidak menjamin anda dapat menabung secara konsisten kerana ia secara tidak langsung bergantung pada perbelanjaan anda setiap bulan (dan boleh jadi terlebih berbelanja!).\n\n\nPada tahun baru, anda boleh \nbayar diri anda terlebih dahulu\n dengan meletakkan peratusan tetap pendapatan anda untuk menyimpan dan melabur (contoh: 20%), dan hanya kemudiannya berbelanja amaun baki yang tinggal.\n\n\nCara automatik adalah terbaik jika ini yang anda hendak capai \u2013 pindahkan terus wang daripada akaun bank anda sebelum anda mempunyai peluang untuk membelanjakannya. Melakukan Auto-Labur dengan akaun Raiz anda ialah satu cara mudah kerana anda boleh tetapkan jumlah dan biarkan ia berjalan secara automatik.\n\n\n\u00a0\n\n\nBuat (dan berdisiplin pada) budget\n\n\nCabaran dengan budget ialah kita sering tidak ambil kisah mengenainya. \nBudget 50/30/20 yang ringkas boleh menjadi panduan yang baik untuk mengurus wang kerana ia agak mudah untuk diikuti:\n\n\n\n\nGunakan sehingga 50% daripada pendapatan anda untuk apa yang anda perlukan.\n\n\nBolehkan sehingga 30% berbelanja untuk kehendak anda.\n\n\nSimpankan 20% untuk simpanan, pelaburan dan membayar hutang anda.\n\n\n\n\nPeratusan 50/30/20 tidak tetap \u2013 ia hanya panduan umum untuk membantu membuat anggaran budget anda. Anda boleh menetapkan peratusan yang sesuai dengan keperluan sendiri untuk mencapai matlamat kewangan anda!\n\n\n\u00a0\n\n\nPilih matlamat simpanan dan mula berusaha ke arah itu\n\n\nTips sebelum ini adalah mengenai membina tabiat yang baik untuk mula mengurus wang dengan lebih baik dan menabung lebih banyak. Namun adalah lebih baik jika ada matlamat unut dikejar sebagai motivasi.\n\n\nIdea yang boleh dijadikan matlamat simpanan:\n\n\n\n\nTabung kecemasan \u2013 Dua tahun semasa pandemik COVID-19 ini telah mengingatkan kita kenapa tabung sangat penting untuk kita ada.\n\n\nPercutian \u2013 Kita semua perlukannya selepas apa yang berlaku pada 2021 dan pelancongan mungkin menjadi lebih mudah pada 2022.\n\n\nDeposit rumah \u2013 Membeli rumah adalah keputusan besar dalam hidup. Masa terbaik untuk mula menyimpan ialah sekarang.\n\n\nSelesaikan segala hutang \u2013 Hutang boleh menyukarkan anda untuk menyimpan.\n\n\nPersaraan \u2013 Masih tiada idea? Bersedia untuk hari persaraan!\n\n\n\n\n\u00a0\n\n\nCabar diri anda untuk simpan RM1,000 setahun\n\n\nRM1,000 nampak besar tetapi untuk masa setahun, ia tidaklah sebesar mana. Kita semua suka untuk mencabar diri supaya badan lebih sihat atau mengurangkan berat badan. Menyimpan dan melabur juga sama. Sikit-sikit, lama-lama jadi bukit. Jika anda hanya simpan RM20 seminggu, anda akan berjaya simpan sebanyak RM1,040 selama setahun.\n\n\nJika anda belum lagi melakukan Auto-labur atau Target Simpanan dengan Raiz, ayuh mulakan sekarang dengan melabur RM20 seminggu di dalam akaun Raiz anda untuk capai cabaran ini!\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nBlog ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/ideas-for-your-2022-new-years-resolutions/", "title": "Save RM1,000 in a year!", "body": "Save RM1,000 in a year!\n\n\nKlik sini untuk Bahasa Melayu\n\n\n\n\n01/01/2022\n\n\nAround this time of year, many people start to make resolutions \u2013 things they want to start or to stop, to improve their life. It is common for saving and investing more to be in people\u2019s top five resolutions.\n\n\nNot sure what your new year\u2019s money resolutions should be? Here are some ideas.\n\n\n\n\n\u00a0\n\n\nCommit to paying yourself first\n\n\nWhen you get your salary, many people often spend first, and then save the balance. The problem with this is that it doesn\u2019t guarantee any regular savings; your savings could become dependent on how much you spend each month.\n\n\nIn 2022, \nlet\u2019s pay yourself first\n by setting aside a fixed percentage of your income towards saving and investing (example: 10%), and then only spend what is left.\n\n\nAutomation is your friend if this is your resolution, which can automatically put the money straight out of your bank account before you have a chance to spend it. Setting up a recurring deposit into your Raiz account is one way to do this.\n\n\n\u00a0\n\n\nCreate (and stick to) a budget\n\n\nThe problem with most budgets is we often become disengaged with them, leading us far from our initial plan. \nA simple 50/30/20 budget can be a good place to start with budgeting since they are relatively easy to follow:\n\n\n\n\nUse up to 50% of your income for what you need.\n\n\nAllow for up to 30% to spend on the fun stuff.\n\n\nSave 20% for a rainy day, investing or your savings goal (like buying a house).\n\n\n\n\nThese numbers aren\u2019t necessarily fixed; however, they provide a strong foundation for building healthy financial habits to help you achieve your goals.\n\n\n\u00a0\n\n\nChoose a savings goal and start working towards it\n\n\nThe previous tips are good behavioural changes to help you start managing your money better and saving more, however it\u2019s also good to have a goal to work towards.\n\n\nSome common savings goals you could consider are:\n\n\n\n\nBuild an emergency fund \u2013 The last two years during the COVID-19 pandemic have shown us why having one of these can be so important.\n\n\nSave for a holiday \u2013 We all need one after what happened in 2021 and travel might become easier in 2022.\n\n\nSave for a house deposit \u2013 Buying a house is a big financial life decision. If you\u2019re planning to buy in the future, the best time to start saving is now.\n\n\nPay down any debt you have \u2013 It\u2019s simple, debt is not your friend if you\u2019re trying to save!\n\n\nSave for retirement \u2013 If you don\u2019t have any immediate money goals that come to mind, it\u2019s generally a good idea to build up your retirement savings.\n\n\n\n\n\u00a0\n\n\nChallenge yourself to save RM1,000 in a year\n\n\nRM1,000 sounds like a lot, but over a year this actually isn\u2019t too difficult to achieve. We all like a challenge to get fit or lose weight or to meet another goal. Saving and investing is no different. If you save just RM20 per week, you\u2019ll put away RM1,040 in a year!\n\n\nIf you have not already set up a recurring deposit or savings goal with Raiz, then setting one up and investing RM20 weekly into your Raiz account could help you achieve this!\n\n\n\u00a0\n\n\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/in-the-black-and-three-things-you-need-to-know-this-week-weekly-ended-13-12-2022/", "title": "\u201cIn the black\u201d \u2013 and THREE things you need to know this week (weekly ended 13/12/2022).", "body": "\u201cIn the black\u201d \u2013 and THREE things you need to know this week (weekly ended 13/12/2022).\n\n\nKlik sini untuk Bahasa Melayu\n\n\nSharing some Investing and Economic insights:\n\n\n\n\nTHREE things you need to know this week;\n\n\n\n\nCash-strapped \nSapura Energy Bhd returned to the black\n for the third quarter 2022 with RM10.18 million net profit versus a huge RM669.34 million net loss in the previous year\u2019s corresponding quarter.\n\n\nPublic Bank founder, Tan Sri Teh Hong Piow passes away\n yesterday at the age of 92. He left Malayan Banking in 1966 to set up and grew Public Bank to where it is today, the country\u2019s third-largest banking group by assets (after Maybank and CIMB). Public Bank is also currently the second largest company on Bursa Malaysia with a market capitalisation of RM85bil.\n\n\nUS stocks rose sharply yesterday amid ended with losses last Friday. \nThis week, investors are waiting for the key inflation data and Fed\u2019s interest-rate decision\n. The inflation data is expected to help inform the next trajectory of interest rates over the coming months. Investors are also expecting 0.5% increase in the Fed\u2019s benchmark rate.\n\n\n\n\nRaiz is about helping you save & invest more \u2013 being\n able to save 5% of your salary is better\n than earning 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).\n\n\n\u00a0\n\n\nDo you know?\n\n\n\u201cIn the black\u201d\n\n\nA company is said to be \u201cin the black\u201d if it is profitable.\n\n\nOne that is unprofitable is said to be \u201cin the red\u201d.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/in-the-black-dan-tiga-perkara-yang-anda-perlu-tahu-minggu-ini-minggu-berakhir-13-12-2022/", "title": "\u201cIn the black\u201d \u2013 dan TIGA perkara yang anda perlu tahu minggu ini (minggu berakhir 13/12/2022).", "body": "\u201cIn the black\u201d \u2013 dan TIGA perkara yang anda perlu tahu minggu ini (minggu berakhir 13/12/2022).\n\n\nClick here for English\n\n\nKami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:\n\n\n\n\nTIGA perkara yang anda perlu tahu \u2013 minggu ini;\n\n\n\n\nSapura Energy Bhd kembali mencatat keuntungan\n, dengan untung bersih RM10.18 juta pada suku ketiga berakhir 31 Oktober 2022 berbanding kerugian bersih RM669.34 juta pada suku yang sama tahun lalu.\n\n\nPengasas Public Bank, \nTan Sri Teh Hong Piow meninggal dunia semalam pada usia 92 tahun\n. Beliau meninggalkan Malayan Banking pada tahun 1966 untuk menubuhkan Public Bank seterusnya mengembangkannya sehingga menjadi kumpulan perbankan ketiga terbesar di negara ini (selepas Maybank dan CIMB). Public Bank juga kini merupakan syarikat kedua terbesar di Bursa Malaysia dengan modal pasaran sebanyak RM85 bilion.\n\n\nSaham-saham AS naik mendadak semalam walaupun berakhir dengan kerugian pada Jumaat lepas. \nMinggu ini, pelabur sedang menunggu data inflasi utama dan keputusan kadar faedah dari Bank Pusat AS (Fed)\n. Data inflasi itu dijangka membantu menentukan halatuju kadar faedah seterusnya untuk beberapa bulan akan datang. Pelabur juga menjangkakan kenaikan 0.5% pada kadar faedah Fed.\n\n\n\n\nRaiz membantu anda menyimpan & melabur \u2013 \nberjaya menyimpan 5% daripada gaji anda adalah lebih baik\n daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\u00a0\n\n\nAnda tahu?\n\n\n\u201cIn the black\u201d\n\n\nJika sesebuah syarikat itu membuat keuntungan, ia dikatakan \u201cin the black\u201d.\n\n\nJika dalam kerugian, ia dianggap \u201cin the red\u201d.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/interest-rate-hike-again-april-edition-weekly-ended-9-5-2023/", "title": "Interest rate hike (again) \ud83d\ude2e\u2026 April edition (weekly ended 9/5/2023)", "body": "Interest rate hike (again) \ud83d\ude2e\u2026 April edition (weekly ended 9/5/2023)\n\n\nKlik sini untuk Bahasa Melayu\n\n\nSharing some Investing and Economic insights\n\n\n\n\nLast week, Bank Negara surprised most economists by lifting interest rates by 25 basis points (bps) to 3.00% as inflation, though trended lower, remains elevated. At this level, it is back to pre-crisis level and \u201cis more aligned with the stronger state of the economy\u201d, according to the bank.\n\n\nGlobally, the European Central Bank (ECB) has also increased its interest rate by 25 bps as it continues to fight a surge in consumer prices, with rates now at \u201clevels not seen since November 2008\u201d. The Reserve Bank of Australia (RBA) delivered a 25bps hike and the US Federal Reserve (Fed) delivered a 25bps hike.\n\n\nRaiz is about helping you save & invest more \u2013 being \nable to save 5% of your salary is better\n than earning 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).\n\n\n\u00a0\n\n\nDo you know?\n\n\nMonetary Policy vs Fiscal Policy\n\n\nMonetary Policy\n is changing the interest rate and money supply. Set by Central Bank.\n\n\nFiscal Policy\n is changing the tax rate and level of government spending. Set by the Government.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/interesting-investing-statistics-cold-hard-facts/", "title": "Interesting Investing Statistic \u2013 Cold Hard Facts!", "body": "Interesting Investing Statistic \u2013 Cold Hard Facts!\n\n\nKlik sini untuk Bahasa Melayu\n\n\n\u00a0\n\n\nHere are some Interesting Investing Statistics for you:\n\n\n\n\n\n\nSimple\n investing strategies beat \ncomplex\n ones.\n\n\n\n\nLesson\n: Simple investing strategies can be effective too. Don\u2019t fall for a complex strategy \u2013 because it is complex!\n\n\n\u00a0\n\n\n\n\nIf you do not start saving until \n45\n, you will need to save three times as much as if you start at \n25\n.\n\n\n\n\nLesson\n: Start early!\n\n\n\u00a0\n\n\n\n\nBillionaire investor Warren Buffett has admitted that his investment in Tesco is one of the biggest losses in his investment history.\n\n\n\n\nLesson\n: Even best investors in the world made huge losses.\n\n\n\u00a0\n\n\n\n\nMarket crashes are unavoidable\n\n\n\n\nLesson\n: Market crashes are a feature of the financial markets, not a bug. But we can still do very well over the long run, especially with \nRinggit Cost Averaging\n technique.\n\n\n\u00a0\n\n\n\n\n6.1 million EPF members now having less than RM10,000 in their EPF accounts \u2013 of which 3.6 million have less than RM1,000\u2026\n\n\n\n\nLesson\n: Start planning seriously for your retirement.\n\n\n\u00a0\n\n\n\n\nIf you just keep your money in the bank\u2019s savings account, technically you are losing it to inflation. RM150,000, 30 years ago can buy you a double storey house, but you hardly can find one now with that price.\n\n\n\n\nLesson\n: Save and invest your money!\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/invest-some-time-in-setting-a-goal/", "title": "Invest Some Time in Setting a Goal!", "body": "Invest Some Time in Setting a Goal!\n\n\n\u00a0\n\n\nImagine you are driving \u2013\u00a0\ny\nou have control in the journey, but now and then you\u00a0\nencounter something that either speeds it up or slows it down. Imagine you are driving aimlessly\n\u2026\n\u00a0with no\u00a0\npurpose\n\u00a0and no sense of direction. How are you meant to know where to go if you have no plan and no route?\n\n\n\n\nIt\u2019s the same with investing\n!\n\u00a0You can invest without a plan, without discipline, but how do you really know how, when and where to allocate your investments?\n\u00a0\n\n\nSetting your own goals is an important step for any investor, whether new or reasonably experienced. By planning and\u00a0\nsetting\n\u00a0a goal\n, you know the allocation of money that you wish to invest and the speed at you wish to get rewarded. This may also influence the type of investment products you choose.\n\u00a0\n\n\nFor example, if someone wants to buy a house and needs to pay for a 10% deposit, they are more\u00a0\nlikely\n\u00a0\nneed\ned\n\u00a0to allocate a larger chunk of\u00a0\ntheir\n\u00a0\nmonthly\n\u00a0\nincome\n\u00a0\nto saving and investing than someone who is looking to buy a PS5.\n\u00a0\n\n\nThe Raiz app can help you to invest with a plan. Recurring Investments and Savings Goals make it easy to automatically add money to your Raiz account on a consistent basis, helping you stay disciplined with your investing and reach your goal.\n\u00a0\n\n\n\u00a0\n\n\nHow do I set a goal in the Raiz app?\n\u00a0\n\n\nY\nou can get it done through the \u2018Invest\u2019 section of the app.\n\u00a0\n\n\nY\nou can\u00a0\nchoose to create a savings goal, allowing you to pick something to save for and track your progress in reaching a target balance. Saving for a\nny\n\u00a0motivational purpose, whether it be a house, a holiday, or an emergency saving \u2013 because you never want to repeat a situation when you need cash and did not have it.\n\u00a0\n\n\nTo create a savings goal, tap on the savings goal switch at the top of the screen\n.\u00a0\nIt\u2019s that easy!\n\u00a0\n\n\nT\nh\nen\u00a0\nto\u00a0\nset up a recurring investment just select the amount of money you wish to invest regularly, and then choose a period that suits you \u2013 whether that\u2019s on a daily, weekly or monthly basis.\n\u00a0\n\n\nIt doesn\u2019t have to be a large amount; investing even small amounts frequently can help you make progress towards your goals.\n\u00a0\n\n\n\n\nRemember, it\u2019s never too late to start. The best time to invest was yesterday, the second-best time is now!\n\n\n\u00a0\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/investing-in-raiz-portfolio-is-it-syariah-compliant/", "title": "Investing in Raiz Portfolio \u2013 Is it Shariah-compliant?", "body": "Investing in Raiz Portfolio \u2013 Is it Shariah-compliant?\n\n\nKlik sini untuk Bahasa Melayu\n\n\n31 May 2020 (UPDATED 09 Mar 2022)\n\n\nby Aidi Izham, CFP\u00ae, MIFP\n\n\n\u00a0\n\n\nAll Raiz investment portfolios are investing in unit trust funds.\n\n\nFor Custom Portfolio, the funds are;\n\n\n\n\nAberdeen Standard Islamic World Equity Fund\n\n\nUOB United-i Global Balanced Fund\n\n\nUOB United-i ESG Series \u2013 High Quality Sukuk\n\n\n\n\nAffin Hwang Shariah Gold Tracker Fund\n\n\n\n\nAffin Hwang Aiiman Money Market Fund\n\n\n\n\nAnd they are all Shariah-compliant funds.\n\n\n\n\n\u00a0\n\n\nFor Aggressive, Moderate and Conservative portfolios, the funds are;\n\n\n\n\nASN Equity 3 Fund\n\n\nASN Imbang 2 Fund\n\n\nASN Sara 1 Fund\n\n\n\n\nThey are managed by Amanah Saham Nasional Berhad (ASNB), a wholly-owned subsidiary company of Permodalan Nasional Berhad (PNB).\n\n\nThe ASNB funds above have invited two views; FIRST, from the Securities Commission Malaysia (SC), the statutory body that is responsible to regulate and develop the Malaysian capital market \u2014 the funds are NOT considered compliant.\n\n\nWhy?\n\n\nMainly because PNB\u2019s strategic investment in banking stocks, considered a Shariah non-compliant financial services stock. For SC to say a fund is compliant, they look at the business activity benchmarks and financial ratio benchmarks, while at the same time account for qualitative aspect which involves public perception or image of the company\u2019s activities.\n\n\nHowever, the SECOND view coming from the Islamic local councils in Malaysia, both at state (Jawatankuasa Fatwa Negeri) and federal level (Jawatankuasa Fatwa Majlis Kebangsaan) \u2014 \nthe funds are \u201c\nharus\n\u201d\n, for these obvious reasons;\n\n\n\n\nPNB\u2019s mandate is to enrich the lives of the Bumiputeras, which majority are Muslims. PNB has some 14 million unitholders, of which about 80% are Bumi.\n\n\nPNB does not invest in \u201charam\u201d shares\u201d such as alcohol, gambling or tobacco stocks.\n\n\nThere are limited number of Shariah-compliant equity instruments on Bursa Malaysia considering how much money PNB has to invest \u2014 PNB has RM312 billion to invest, but Shariah-compliant securities on Bursa Malaysia is only RM1.1 trillion (as at 31 Dec 2019).\n\n\nIf PNB pulls out its share from the banking stocks \u2013 especially Maybank (KLSE: Maybank) where it owns majority of the shares \u2013 that would have a major negative economic impact on Bumi Muslims.\n\n\nIf PNB did not have majority shares in Maybank, for instance, it will lessen the acceleration of Islamic finance in the country. Maybank Islamic is the largest Islamic banking group in Malaysia and ASEAN by assets.\n\n\n\n\nTherefore, for the above obvious reasons, after considering and prioritising wider public interest (maslahah), keeping the investment in Maybank is regarded as an essential (\ndharuriyyah\n) \u2013 hence the ruling \u201c\nharus\n\u201d.\n\n\n\u00a0\n\n\nIn conclusion;\n\n\n\n\nFrom the SC \u2013 the funds are not Shariah-compliant.\n\n\nFrom the Jawatankuasa Fatwa \u2013 the funds are \u201c\nharus\n\u201d.\n\n\nThere is no force if one wishes to invest or, indeed, to not invest at all. That\u2019s why the principles of needs (\nhajiyyah\n) provide a certain flexibility and freedom (although not absolute) for the individual to choose.\n\n\n\n\n\u00a0\n\n\nWallahuaklam\n.\n\n\n\u00a0\n\n\nSource:\n\n\nBursa Malaysia, FAST BNM\n\n\nPNB Annual Report 2019\n\n\nwww.asnb.com.my\n\n\nwww.pnb.com.my\u00a0\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/investing-is-a-marathon-not-a-sprint/", "title": "Investing is a Marathon, not a Sprint", "body": "Investing is a Marathon, not a Sprint\n\n\n\u00a0\n\n\nAny marathon runner will tell you:\u00a0\nD\non\u2019t think about all 42 kilometres at once\n\u00a0\u2013\u00a0\nt\nhat would be too overwhelming. Instead, picture the race in\u00a0\nshorter\n\u00a0\nphases: 5km, 10km, or even one kilometre at a time.\u00a0\n\n\n\n\nThis same philosophy can be\u00a0\napplied\n\u00a0when saving for your\u00a0\nretirement\n\u00a0life, especially when it\u2019s still decades away. While the idea of saving a\u00a0\nhuge amount\n\u00a0of money to retire comfortably may feel\u00a0\nquite\u00a0\nimpossible, investing just RM150 or so per month in your 20s or 30s seems much more reasonable \u2014 and that still may get you to your desired savings goal by retirement age, provided you\u2019re disciplined, start early, and hit your \u201csplits,\u201d as runners would say.\n\n\n\u00a0\n\n\nFor the sake of simplicity, let\u2019s set aside inflation, fees, taxes and dividends. Yes, those things are important, but it\u2019s more important that you just get started, save regularly, and experience the power of compounding returns.\n\n\n\u00a0\n\n\nHere\u2019s what this example could look like, assuming market returns of\u00a0\n7\n% p.a.\n*\n*:\n\n\n**Return estimated for the sake of simplicity as past performance is no indication of future performance.\n\n\nDue to the power of compounding, if you were to invest RM1,000 every year for 30 years, assuming average returns of 7% p.a.\n,\n\u00a0that investment could grow to be worth RM94,461. That\u2019s a total return of RM64,461.**\n\n\n\u00a0\n\n\nOkay, take a deep breath. We\u2019re going to walk you through these\u00a0\ntargets and\n\u00a0explain why they\u2019re more reachable than you might think \u2014 and why, if you\u2019ve hit 30 and haven\u2019t saved that much, it\u2019s not too late.\n\n\n\u00a0\n\n\nThe first thing you\u2019ll probably notice about this chart is that the growth in your money exponentially increases as time goes on. This is due to the power of compounding returns. You\u2019ve probably heard about compounding before and understanding this concept can be super valuable for your finances. It\u2019s often described as\u00a0\nprofit\u00a0\non\u00a0\nprofit\n, which means that if your money grows by\u00a0\n7\n% in a year, and you don\u2019t withdraw any of that money, the next\u00a0\n7\n% you earn will be a larger Ringgit increase since it is growing from a larger base than the first year. This goes on and on, giving your money the potential to grow at an exponential rate, which explains the growth in our chart above.\n\n\n\u00a0\n\n\nThe human brain is not good at estimating exponential growth, so a useful rule of thumb you can use is the\u00a0\nrule of 72\n. This is a rough calculation of\u00a0\nhow many years\n\u00a0it takes to\u00a0\ndouble\u00a0\nyour money\n; just divide 72\u00a0\nby the\u00a0\nrate of return\n. That is 72/\n7\n\u00a0= about 10 years\u00a0\nto double.\n\n\n\u00a0\n\n\nWith a disciplined and regular saving/investing strategy, it is entirely possible to start a humble retirement account in your 20s and 30s and still be on target to retire with a decent nest egg. You just\u00a0have to\u00a0hit your splits.\n\n\n\u00a0\n\n\nIt is important to keep in mind that although\u00a0\n7\n% p.a. is a reasonable estimate for\u00a0\ninvestment\n\u00a0returns over the long term, it is by no means a guarantee. All investments carry risk, and it\u2019s impossible to know the actual return you will make on your investments in the future.\n\n\n\u00a0\n\n\nAnother thing to keep in mind about your contributions: As you get older, you\u2019re likely to increase your income, so it wouldn\u2019t be unrealistic to increase your monthly RM150 to something more substantial, adding more fuel to your marathon and potentially boosting your final retirement fund.\n\n\n\u00a0\n\n\nYou can think about saving for retirement just like you would if training for a marathon. Instead of just waking up one day and trying to sprint 42km, you need to train, and start working on your financial fitness. With\u00a0our\u00a0\nRound-Ups and automatic investing features\n, you can hit your splits whilst living your everyday life.\n\n\n\u00a0\n\n\nThere\u2019s no denying the power of regular savings, time and compounding. A journey of a marathon begins with the first step. A journey to RM1 million begins with your first RM100 investment.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/investing-is-easy-with-raiz/", "title": "Investing is Easy with Raiz", "body": "Investing is Easy with Raiz\n\n\n\u00a0\n\n\nWe have all made changes to our everyday lives out of necessity or choice because of the COVID-19 pandemic. It has touched everyone of us, affecting where and indeed if we are working, how we connect and stay in touch with our families and friends, how we exercise, and how we shop.\n\n\n\n\nHowever, when it comes to finances, COVID-19 has affected people very differently.\n\n\nThere has been a growing number of unemployed. The tourism, hospitality and retail sectors have been particularly hard hit, and are industries that traditionally have a higher proportion of millennials and females in their workforce, who are needing to draw down on typically minimal savings to meet their everyday financial obligations.\n\n\nMany families have been fortunate enough to have the same income as before, yet the restrictions enforced upon them have reduced their expenditure, meaning more disposable income and an opportunity to pay down debt and increase savings.\n\n\nMeanwhile, some fortunate individuals are financially better off in terms of income than before the virus due to the various Government stimulus payments they have received over recent months.\n\n\nThe effects of COVID-19 have also been felt on the financial markets. So, it is hardly surprising that many people are now taking a moment to assess their current financial situation and work out their financial strategy for the months ahead.\n\n\nIn times of difficulty, it is tempting to change your strategy.\n\n\nSo, what is the right move when it comes to investing through the current market fluctuations? Well, there is no right or wrong answer. It\u2019s all down to what is right for you, your own circumstances, and more importantly what you feel comfortable with.\n\n\nThe thing to keep in mind is that whatever you decide, the Raiz app makes it incredibly easy and inexpensive for you to implement buy and sell decisions and supports you in achieving your investment goals.\n\n\n\u00a0\n\n\nHow to make an investment into the market with Raiz\n\n\nOnce you have your account set up and verified, there are 3 easy ways to invest;\n\n\n\u00a0\n\n\n1. Round-Ups\n\n\n\n\nA \u201cround-up\u201d allows investments to happen automatically, in the background of your life. Round-ups is the virtual spare change captured from rounding up your transaction to the nearest Ringgit. When you purchase using your bank cards that you have linked, we will round-up that transaction and invest the spare change automatically.\n\n\nFor example, you buy a coffee for RM9.60. Raiz will invest the 40 cents for you. Easy!\n\n\n\u00a0\n\n\n2. One-Time Investment\n\n\n\n\nYou can invest a single lump sum into your Raiz account at any time. Simply click on\u00a0\nInvest > Deposit\n\u00a0from the\u00a0\nHome\n\u00a0\nscreen. You can use the \u2018quick amount\u2019 buttons, or enter your amount, then confirm your investment.\n\u00a0\n\n\n\u00a0\n\n\n3. Recurring Investment\n\n\n\n\nYou can easily automate regular investments using the Raiz app. From the\u00a0\nHome\n\u00a0\nscreen, click on\u00a0\nInvest > Recurring\n. Simply choose your investment amount, select a frequency (daily, weekly,\u00a0\nfortnightly\n\u00a0or monthly), and when you want the investment to start.\u00a0\n\u00a0\n\n\nYou can also set an optional Savings Goal if you are saving towards something specific and want help tracking your progress!\n\u00a0\n\n\nRegardless of whether you use\u00a0\nRound-up\n,\n\u00a0\nOne-Time\n\u00a0or\u00a0\n,\u00a0\nRecurring\n\u00a0\n\u00a0\nto\u00a0make your investment, so long as the investment request is made within the app before our daily cut-off time (approx. 11pm Malaysia Time, Mon-\nSun\n), then funds will be taken from your linked Funding Account the same business day.\n\n\nWe invest your money\u00a0\nin the next business\n\u00a0day after it has been taken from your Funding\u00a0Account\n,\u00a0\n\u00a0\nwhich\u00a0is when your \u2018buy\u2019 price is locked in.\n\u00a0\n\n\nOnce we have confirmation that\u00a0\nunits\n\u00a0\nhave been successfully purchased on your behalf, your Raiz balance will\u00a0\nbe updated to\n\u00a0include the new investment.\n\n\n\u00a0\n\n\n\u00a0\n\n\nHow to withdraw your investment\n\u00a0\n\n\nYou can withdraw either all or part of your investment from Raiz easily, at any time, with no penalty.\n\n\nWhile you can create a withdrawal request 24/7 within the Raiz App, we can only action the sale of the investment\n\u00a0on the next business day\n\u00a0\nwhich is when your \u2018sell\u2019 is locked in.\n\u00a0\n\n\nTo make a withdrawal, from within the app is easy, simply click on\u00a0\nInvest > Withdraw\n\u00a0from the\n\u00a0\nHome\n\u00a0\nscreen, enter the amount you wish to withdraw, and confirm.\n\u00a0\n\n\nWhen you sell shares\n/units\n\u00a0\na settlement transfer of two business days which means that the funds take two days after the sale to be released and received by Raiz.\u00a0\n\u00a0\n\n\nWhen we receive the funds\u00a0\nafter the two-day settlement period, we transfer the funds back to your bank account as soon as possible, so while the maximum wait time is up to 5 business days, it can usually take 3 or 4 (not including public holidays and weekends).\n\u00a0\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/is-it-safe-investing-with-raiz-read-here/", "title": "\u201cIs it safe investing with Raiz?\u201d Read here.", "body": "\u201cIs it safe investing with Raiz?\u201d Read here.\n\n\nKlik sini untuk Bahasa Melayu\n\n\n05-10-2021\n\n\nIt\u2019s completely normal and everyone have the right to ask this question!\n\n\nWith Raiz, not only you can have the access to investment and financial education, but we want to make sure you have that confidence and feel safe in this exciting investment journey with us!\n\n\n\n\nBut before that, you need to understand about investing in general.\n\n\n\u00a0\n\n\nInvesting in general.\n\n\nInvesting is a way to potentially increase the amount of money you have. The goal is to buy assets, and hopefully sell them at a higher price. Assets are things like stocks, properties, unit trust funds, gold etc.\n\n\nFor example, you have bought 1g of gold for RM230. 1 week later, the price is RM210 per gram \u2013 so you are at loss. But after a month, the price goes up to RM250 per gram and you sold it. Now you have made RM20 profit. Congrats!\n\n\nSo your investment could go up and down every day \u2013 depending on the market movement. That is \nmarket risk\n.\n\n\n\u00a0\n\n\nRaiz is Licensed by the Securities Commission Malaysia (License\u00a0eCMSL/A0363/2020)\n\u00a0\n\n\nYou can check it\u00a0\nhere\n.\n\u00a0\n\n\nMalaysian investors who deal with licensed entities are protected under Malaysian securities laws. They are also protected from various risks, including \nfraud and money laundering\n, and have access to legal recourse in the event of a dispute.\n\n\n\u00a0\n\n\nRaiz Does Not Keep Your Money\n\u00a0\n\n\nIt is Held in Custody by Our Custodian. Your money is safeguarded by our custodian bank, CIMB Bank, which is maintained in trust account. CIMB Bank is a member of the CIMB Group Holdings\u00a0Berhad\u00a0(\u201cCIMB\u201d), a listed entity in the Bursa Malaysia Stock Exchange. CIMB is a respected financial services provider.\n\u00a0\n\n\nIn a very unlikely \nbankruptcy\n event, your money can\u2019t be touched by us as it belongs to you. The Custodian will still hold them so that your money is safely returned to you.\n\n\n\u00a0\n\n\nDo You Know Raiz Contribute to CMC Fund Annually?\n\u00a0\n\n\nCapital Market Compensation Fund (\u201cCMC Fund\u201d) is managed and administered by Capital Market Compensation Fund Corporation which was established through amendments made to the Capital Markets and Services Act 2007.\n\u00a0\n\n\nYou are eligible to claim from CMC Fund in a very unlikely event we fail to pay amounts owing to you due to fraud, defalcation or mis-selling which had led us to become financially insolvent.\n\u00a0\n\n\nAn individual investor may claim up to RM100,000.\u00a0\n\u00a0\n\n\nRefer\u00a0\nhere\n\u00a0for more info.\n\u00a0\n\n\nHappy investing!\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/job-seekers-beware-shielding-yourself-from-employment-scams-in-malaysia/", "title": "Job Seekers Beware: Shielding Yourself from Employment Scams in Malaysia", "body": "Job Seekers Beware: Shielding Yourself from Employment Scams in Malaysia\n\n\n\u00a0\n\n\nWhat is Employment Scam?\n\n\nA fraudulent schemes or deceptive practices that targets job seekers. Employment scam of often involve fake online job ads in social platforms and untrusted job portals offering high paying jobs.\n\n\nThese scams involve scammers posing as employers, recruitment agencies, or job portals to lure victims into providing personal information, money, or performing certain tasks under false pretenses.\n\n\n\n\nSome examples of Employment Scam that you should be aware of.\n\n\n\n\nFake Job Offers \u2013 Fake job postings on online job portals or social media platforms, offering attractive positions with high salaries and benefits. May use names of reputable companies.\n\n\nAdvance Fee Scams \u2013Requesting job seekers to pay an upfront fee for processing job applications, training materials or other services relate to the job. After receiving the payment, the scammers will disappear without any trace.\n\n\nWork from Home Scams \u2013 Scammers offer work from home opportunities that promise easy money but involve task that are either non-existent or involve in illegal activities.\n\n\nOverseas Job Scams \u2013 Scammers will generally use social media platforms such as Facebook or Instagram to advertise high paying jobs overseas. Once victim is hooked, they will be required to travel oversea. They will be held against their will and be taught and forced to scam other victims.\n\n\n\n\nTips to avoid being scammed:\n\n\n\n\nResearch the company \u2013 Always do your research when doing job seeking, verify the legitimacy of the employer or recruitment agency by checking their website, company information, and contact details.\n\n\nAvoid Upfront Fees \u2013 Never accept or pay any job that requires you to pay an upfront fees\n\n\nBe sceptical for High paying job Ads \u2013 Always be suspicious for high paying job ads that requires minimum or no experience and qualification to start, these are very likely to be employment scam.\n\n\nUse trusted job portals \u2013 Only use trusted job portals for your job seeking such as JobStreet or LinkedIn.\n\n\nBe wary of unsolicited offers \u2013 Be cautious of unsolicited job offers via SMS, email, social media, or phone calls.\n\n\n\n\nWhat to do if you have been scammed\n\n\n\n\nContact your bank or National Scam Response Center (NSRC) at 997\n\n\nLodge a police report \u2013 Head to your nearest police station and lodge police report even after contacting your bank or NSRC.\n\n\n\n\n\u00a0\n\n\nStay vigilant Malaysian! By staying informed, cautious, and reporting any suspicious activities to authorities, we can protect ourselves and our fellow Malaysians from falling victims to scams. No matter how small the effort, let\u2019s strive to a scam-free society.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/jom-berwakaf-bersama-raiz/", "title": "Berwakaf bersama Raiz \u2013 sambil dapat hadiah tunai \u2013 PASTI \u2013 dari kami!", "body": "Berwakaf bersama Raiz \u2013 sambil dapat hadiah tunai \u2013 PASTI \u2013 dari kami!\n\n\n\u00a0\n\n\nBukan 1%, bukan 2%, tapi \n3%\n HADIAH TUNAI!\n \ud83e\udd29\n\n\n\u00a0\n\n\nKini anda boleh berwakaf melalui Raiz! Terima hadiah tunai sebanyak \n1%\n \n3% \napabila anda berkongsi rezeki anda dengan berwakaf. Hanya pada bulan Ogos 2023.\n\n\nAnda melabur untuk Akhirat anda, kami melabur untuk Dunia anda. \ud83d\ude0a\n\n\nJom berwakaf!\n\n\n\n\nBagaimana cara untuk berwakaf melalui Raiz? Senang je.\n\n\n\n\nLog masuk ke aplikasi Raiz anda dan pergi ke bahagian Raiz Rewards.\n\n\nCari \u201cWakaf/Zakat\u201d.\n\n\nKlik \u201cPay Wakaf/Zakat Now\u201d dan pilih \u201cWakaf Tunai (Am)\u201d.\n\n\nBayar seperti biasa.\n\n\n\n\n\n\n*Akan masuk terus ke akaun Raiz anda sepantas esoknya. Pembayaran dibuat dari akaun bank anda, bukan dari akaun Raiz anda.\n\n\nKempen ini berlangsung hanya pada sepanjang bulan Ogos 2023.\n\n\n\u00a0\n\n\nKlik \nsini\n untuk soalan lazim dan layari juga \nwww.raiz.com.my\n untuk maklumat lanjut tentang Raiz.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di \nlaman \nweb \nini \nadalah \nnasihat \numum \nsahaja\n. \nIni \nbermakna \nia \ntidak \nmempertimbangkan \nobjektif \npelaburan\n, \nkeadaan \nkewangan \natau \nkeperluan \npelaburan \nseseorang\n.\n\n\nSekiranya\u00a0\nanda\u00a0\nseorang\u00a0\npelabur\n,\u00a0\nanda\u00a0\nharus\u00a0\nberjumpa\u00a0\ndengan\u00a0\npenasihat\u00a0\nberlesen\u00a0\nanda\u00a0\nsebelum \nmenggunakan a\npa-apa \nmaklumat \nyang \nterdapat \ndalam \nartikel \nini \nuntuk \nmemahami \nsepenuhnya \nmanfaat \ndan \nrisiko \nyang \nberkaitan \ndengan\u00a0\nproduk\u00a0\nRaiz.\n\u00a0\n\n\nMaklumat di \nlaman \nweb \nini \nadalah \nsulit\n. \nIa \ntidak \nboleh \nditerbitkan \nsemula\n, \ndiedarkan \natau \ndidedahkan \nkepada \norang lain. Maklumat \ntersebut \nberdasarkan \nandaian \natau \nkeadaan \npasaran \nyang \nberubah \ntanpa \nn\notis\n. \nIni \nakan \nmempengaruhi \nketepatan\u00a0\nmaklumat\n.\n\u00a0\n\n\nDalam\u00a0\napa\u00a0\njua\u00a0\nkeadaan\u00a0\nmaklumat\u00a0\nyang\u00a0\nakan\u00a0\ndigunakan\u00a0\noleh,\u00a0\natau\u00a0\ndisampaikan\u00a0\nkepada\n, \nseseorang \nuntuk \ntujuan \nmembuat \nkeputusan \nmengenai \npelaburan \ndi Raiz, p\nrestasi \npulangan \nmasa \nlalu \nproduk \nRaiz \ntidak \nboleh \ndi\njadikan \npanduan \ns\nemasa \nmembuat \nkeputusan \nuntuk \nmelabur \ndalam \nRaiz dan \nbukan \nperamal \nprestasi \nmasa \ndepan \nyang \nbaik\n.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/just-two-things-you-need-to-know-this-week-weekly-ended-08-08-2023/", "title": "Just TWO things you need to know this week (weekly ended 08/08/2023)", "body": "Just TWO things you need to know this week (weekly ended 08/08/2023)\n\n\nKlik sini untuk Bahasa Melayu\n\n\nSharing some Investing and Economic insights:\n\n\n\n\nInvestment by foreign companies in China fell to its lowest \nlevel in 25 years in the 2\nnd\n quarter this year according to China\u2019s State Administration of Foreign Exchange (SAFE) \u2013 this shows concerns about how much geopolitical tensions and slow economic reforms can hurt business confidence.\n\n\n\n\n\u00a0\n\n\n\n\nBerkshire Hathaway\u2019s share price set a record high \non Monday, reached USD555,800 per share, surpassing the previous high USD544,000 set on 28 March 2022.\n\n\n\n\n\n\nFor a comparison, the most expensive share on Bursa Malaysia is Nestle at RM132.20 yesterday.\n\n\nWarren Buffett, 92, owns about 15% of Berkshire\u2019s share and he has run Berkshire since 1965. He is now richer than Microsoft\u2019s Bill Gates and is the world\u2019s fifth-richest person, with a USD121.5 billion wealth, according to Forbes magazine.\n\n\n\n\n\u00a0\n\n\nRaiz is about helping you save & invest more \u2013 being \nable to save 5% of your salary every month is better\n than earning 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).\n\n\n\u00a0\n\n\nDo you know?\n\n\nEquities\n\n\nEquities are also known as shares or stocks. Your equity is your part ownership of a company. \u00a0Shareholders (or equity owners) are entitled to dividends which represent their portion of the company\u2019s profits.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/kadar-faedah-naik-lagi-edisi-april-minggu-berakhir-952023/", "title": "Kadar faedah naik (lagi) \ud83d\ude2e\u2026 edisi April (minggu berakhir 9/5/2023)", "body": "Kadar faedah naik (lagi) \ud83d\ude2e\u2026 edisi April (minggu berakhir 9/5/2023)\n\n\nClick here for English\n\n\nKami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:\n\n\n\n\nMinggu lepas, Bank Negara mengejutkan kebanyakan ahli ekonomi dengan menaikkan kadar faedah sebanyak 25 mata asas kepada 3.00% disebalik inflasi, walaupun aliran menurun, kekal tinggi. Pada tahap ini, ia kembali ke tahap pra-krisis dan \u201clebih sejajar dengan keadaan ekonomi yang lebih kukuh\u201d, menurut bank itu.\n\n\nDi peringkat global, Bank Pusat Eropah (ECB) juga telah meningkatkan kadar faedahnya sebanyak 25 mata untuk terus memerangi lonjakan harga pengguna. Pada kadar kini, ianya berada pada tahap yang belum pernah dilihat sejak November 2008. Bank Pusat Australia (RBA) turut mengenakan kenaikan 25 mata dan Rizab Persekutuan AS (Fed) menaikkan 25 mata.\n\n\nRaiz membantu anda menyimpan & melabur \u2013 \nberjaya menyimpan 5% daripada gaji anda adalah lebih baik\n daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\u00a0\n\n\nAnda tahu?\n\n\nDasar Monetari vs Dasar Fiskal\n\n\nDasar Monetari\n ialah mengawal kadar faedah dan bekalan wang. Dikawal oleh Bank Negara.\n\n\nDasar Fiskal\n ialah mengawal kadar cukai dan perbelanjaan kerajaan. Dikawal oleh kerajaan.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/kelebihan-purata-kos-ringgit-ringgit-cost-averaging/", "title": "Kelebihan Purata Kos Ringgit (\u201cRinggit Cost Averaging\u201d)", "body": "Kelebihan Purata Kos Ringgit (\u201cRinggit Cost Averaging\u201d)\n\n\nClick here for English\n\n\n\u00a0\n\n\nPasaran naik dan turun. Ini normal dan dikenali sebagai risiko pasaran. Pelaburan akan menjadi sangat mudah jika seseorang boleh meramalkan masa yang terbaik untuk membeli atau menjual. Tetapi ini agak mustahil!\n\n\n\n\nFalsafah Raiz ialah melabur jumlah yang kecil secara konsisten \u2013 walaupun di pasaran yang sedang jatuh \u2013 kerana ini dapat membantu anda menghadapi naik turun pasaran dan merupakan salah satu kunci untuk pulangan pelaburan yang lebih sihat dalam jangka masa panjang. Ini adalah prinsip yang dikenali ramai sebagai \nPurata Kos Ringgit\n.\n\n\nBagaimanakah ia berlaku? Sebagai contoh, katakan anda mempunyai RM1,000 untuk melabur. Daripada melaburkan kesemuanya dalam satu masa, anda boleh melaburkan RM100 setiap bulan selama 10 bulan, walaupun terdapat perubahan dalam nilai pasaran.\n\n\nSekiranya nilai saham bernilai RM10 pada bulan pertama, anda akan membeli 10 unit. Sekiranya pada bulan kedua bernilai RM5, anda akan membeli 20 unit, dan seterusnya.\n\n\nRM100 / RM10 = \n10 unit\n.\n\n\nRM100 / RM5 = \n20 unit\n.\n\n\nAnda akan membeli lebih banyak saham apabila harga lebih rendah dan lebih sedikit saham ketika harga lebih tinggi. Hasilnya adalah anda telah melabur dengan lebih cermat daripada melaburkan wang anda semuanya sekaligus pada ketika mungkin nilai pasaran tinggi.\n\n\nMari kita lihat kelebihan utama lain Purata Kos Ringgit:\n\n\n\u00a0\n\n\nTiada masa yang buruk\n\n\nCuba untuk memilih masa yang terbaik untuk membeli atau menjual adalah merupakan sesuatu yang sangat sukar untuk dilakukan.\n\n\nSekiranya pelabur mempunyai pilihan untuk mempunyai kuasa ajaib, pelabur sudah pastinya memilih untuk tahu nilai terendah sesuatu saham! Banyak yang telah mencuba, ada yang berjaya dan gagal. Tidak ada juga yang dapat menghentikan kejutan yang tidak diingini dari berlaku.\n\n\nPurata Kos Ringgit adalah strategi yang berdisiplin kerana memastikan anda tidak terlalu terkesan akibat kejatuhan pasaran ketika anda membeli pada harga tinggi; dan memberi kelebihan kepada anda apabila pasaran pulih, kerana membeli ketika pasaran sedang jatuh.\n\n\nDengan tidak bergantung pada ramalan, Purata Kos Ringgit dapat meredakan kesan turun naik pasaran.\n\n\n\u00a0\n\n\nMengurangkan risiko\n\n\nPurata Kos Ringgit paling memberi kesan dalam strategi pelaburan jangka panjang. Ia mengurangkan risiko pasaran anda daripada meramal turun naik pasaran.\n\n\nKesempatan membeli ketika pasaran sedang jatuh dapat meningkatkan potensi pulangan jangka panjang anda dengan ketara ketika pasaran kembali pulih.\n\n\n\u00a0\n\n\nPelaburan tanpa mengikut emosi\n\n\nKita selalu membuat keputusan mengikut emosi untuk mengelakkan kerugian. Pelabur lebih cenderung untuk mengelakkan kerugian daripada memperoleh keuntungan.\n\n\nKajian menunjukkan bahawa kerugian adalah dua kali lebih kuat kesannya secara psikologi daripada keuntungan. Ini menyebabkan pelabur yang lebih cenderung untuk mengelakkan kerugian, akan melakukan kesalahan menjual pegangan saham pada nilai yang rendah.\n\n\nPropaganda media atau spekulasi merupakan perangkap pelaburan. Pelabur dapat menghindari perangkap emosi ini dengan Purata Kos Ringgit.\n\n\nStrategi Purata Kos Ringgit inilah falsafah pelaburan Raiz. Sikit-sikit, lama-lama jadi bukit!\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/kenapa-anda-perlu-mempunyai-dana-kecemasan-dan-berapa/", "title": "Kenapa anda perlu mempunyai dana kecemasan\u2026 dan berapa.", "body": "Kenapa anda perlu mempunyai dana kecemasan\u2026 dan berapa.\n\n\nClick here for English\n\n\nKejutan adalah sebahagian daripada kehidupan. Walaupun kita tidak dapat mengelakkan perkara ini daripada berlaku (seperti bagaimana kita tidak dapat mengawal pergerakan pasaran saham), kita boleh menghadapinya dengan terkawal \u2013 dengan menubuhkan Dana Kecemasan!\n\n\nBeberapa kegunaan biasa untuk dana kecemasan termasuk:\n\n\n\n\n\u00a0\n\n\nRawatan kesihatan\n\n\nRawatan kesihatan boleh memakan kos yang tinggi. Mempunyai dana kecemasan boleh membantu anda untuk menampung kos rawatan yang tidak dijangka. Ini mungkin termasuk bil hospital, Ubat preskripsi, perbelanjaan lain yang berkaitan dengan kesihatan seperti kos pengangkutan pergi dan balik ke hospital atau perkhidmatan penjagaan kesihatan di rumah.\n\n\nHarus diingat, dana kecemasan bukanlah pengganti insurans kesihatan. Mempunyai insurans kesihatan untuk melindungi daripada kos rawatan perubatan yang tinggi sangatlah penting. Walau bagaimanapun, walaupun dengan insurans, mungkin terdapat kos yang tidak ditanggung. Ketika ini lah dana kecemasan membantu.\n\n\n\u00a0\n\n\nPembaikan rumah\n\n\nPembaikan rumah yang tidak dijangka boleh menjadi mahal. Beberapa contoh ialah masalah perpaipan seperti paip pecah, longkang tersumbat atau tandas rosak. Oleh kerana isu-isu ini perlu ditangani dengan segera, kosnya mungkin mengejutkan!\n\n\n\u00a0\n\n\nMembaiki kenderaan\u2026 dan saman!\n\n\nDana kecemasan boleh membantu menampung kos pembaikan kereta yang tidak dijangka seperti tayar pecah atau masalah enjin perlu ditangani dengan segera. Anda mungkin juga perlu mempertimbangkan saman tempat letak kereta atau saman had laju!\n\n\n\u00a0\n\n\nKehilangan pekerjaan\n\n\nKehilangan pekerjaan anda tanpa diduga boleh menyebabkan kita tertekan berikutan hilang sumber pendapatan. Mempunyai dana kecemasan dapat membantu menampung perbelanjaan hidup anda, seperti sewa atau pembayaran pinjaman rumah, bil elektrik serta bil bulanan biasa yang lain.\n\n\nIni penting untuk membantu anda sementara anda dapat mencari pekerjaan baru.\n\n\n\u00a0\n\n\nBerapa banyak perlu anda simpan dalam Tabung Kecemasan?\n\n\nIa bergantung pada keadaan kewangan masing-masing. \nKebanyakan pakar\n mencadangkan untuk mempunyai dana kecemasan yang \nmencukupi bagi menampung perbelanjaan tiga hingga enam bulan kehidupan\n. Ini bergantung pada perbelanjaan masing-masing.\n\n\n\u00a0\n\n\nKuncinya ialah mempunyai wang yang mencukupi untuk menampung perbelanjaan pada saat berlaku kecemasan adalah sangat penting. Di samping itu juga, penting untuk senditasa menyemak dana kecemasan anda secara berkala dan melaraskan jumlah yang diperlukan untuk memastikan ia mencukupi untuk keperluan terkini anda.\n\n\nSalah satu cara anda boleh membina dana kecemasan tanpa memikirkannya selalu adalah dengan menggunakan Raiz. Tentukan kos sara hidup anda untuk tiga ke enam bulan. Set amaun itu sebagai Target Simpanan. Namakan target anda sebagai Dana Kecemasan. Kemudian set kan pelaburan berkala (contohnya RM5 sehari) dan aktifkan juga pelaburan duit baki harian. Itu sahaja!\n\n\nMulakan langkah pertama ini. Kami bersama anda. Selamat berjaya!\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/kenapa-melabur-dalam-emas/", "title": "Kenapa Melabur Dalam EMAS?", "body": "Kenapa Melabur Dalam EMAS?\nClick here for English\n\n\n31-05-2023\n\n\nRaiz kini memberi anda pilihan untuk mempelbagaikan lagi portfolio anda dengan pelaburan \nEMAS\n melalui Dana AHAM Shariah Gold Tracker yang tersedia dalam \nPortfolio Bolehubah\n!\n\n\n\u00a0\n\n\n\n\nKenapa \nEMAS\n?\n\n\n\n\n\u00a0\n\n\nDana AHAM Shariah Gold Tracker\n\n\n\n\n\u00a0\n\n\nMiliki lebih kawalan sendiri dengan Portfolio Bolehubah. Klik \nsini\n\u00a0untuk info lanjut dan \nsini\n untuk menonton video cara-cara untuk mengubah portfolio anda ke Portfolio Bolehubah.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/kurangkan-risiko-portfolio-pelaburan-anda-dengan-dana-pasaran-wang-money-market/", "title": "Kurangkan risiko portfolio pelaburan anda dengan dana Pasaran Wang (\ud835\ude48\ud835\ude64\ud835\ude63\ud835\ude5a\ud835\ude6e \ud835\ude48\ud835\ude56\ud835\ude67\ud835\ude60\ud835\ude5a\ud835\ude69)", "body": "Kurangkan risiko portfolio pelaburan anda dengan dana Pasaran Wang (\ud835\ude48\ud835\ude64\ud835\ude63\ud835\ude5a\ud835\ude6e \ud835\ude48\ud835\ude56\ud835\ude67\ud835\ude60\ud835\ude5a\ud835\ude69)\n\n\nClick here for English\n\n\nAnda kini boleh mengurangkan risiko portfolio pelaburan anda dengan pelaburan di dalam pasaran wang tunai dengan \nDana Affin Hwang Aiiman Money Market\n yang tersedia dalam Portfolio Bolehubah!\n\n\n\n\n\u00a0\n\n\nApakah\n dana pasaran wang?\n\n\nDana pasaran wang mengendalikan sejumlah besar wang tunai. Oleh itu, apabila ia mahu meletak wang tunai dengan bank (seperti meletakkan wang tunai dalam Deposit Tetap atau \nFixed Deposit\n), ia mempunyai kuasa untuk meminta kadar keuntungan yang lebih baik daripada individu.\n\n\nOleh kerana ia pada dasarnya adalah meminjamkan wang kepada bank, ia juga dianggap berisiko sangat rendah kerana disokong oleh bank.\n\n\n\u00a0\n\n\nUntuk menambah dana pasaran wang ini ke dalam Portfolio Bolehubah anda;\n\n\nBuka aplikasi Raiz > \nLabur\n > \nPortfolio\n > ikon Portfolio Bolehubah (kanan sekali) > \nKemas Kini Portfolio\n.\n\n\n\u00a0\n\n\n\n\n\u00a0\n\n\nMiliki lebih kawalan sendiri dengan Portfolio Bolehubah. Klik \nsini\n \nuntuk info lanjut dan \nsini\n untuk menonton video cara-cara untuk mengubah portfolio anda ke Portfolio Bolehubah.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/lautan-hijau-dan-barbie-dan-taylor-swift/", "title": "Lautan Hijau\u2026 dan Barbie, dan Taylor Swift.", "body": "Lautan Hijau\u2026 dan Barbie, dan Taylor Swift.\n\n\nClick here for English\n\n\nKami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi: \n\n\nBursa Malaysia mencatatkan pertumbuhan bulanan positif pertamanya setakat tahun ini\n. Penutupan tinggi petunjuk pasaran saham FTSE Bursa Malaysia KLCI (FBM KLCI) semalam meletakkan Julai sebagai bulan yang kukuh bagi Bursa Malaysia dan juga kebanyakan pasaran saham serantau utama.\n\n\n\n\nTetapi ianya masih 2.41% lebih rendah dibandingkan dari bermulanya tahun ini. Pasaran saham tempatan kekal menarik dan dapat memberi peluang kepada pelabur untuk mendapat manfaat daripada potensi peningkatan harga saham.\n\n\n\u00a0\n\n\nBarbie dan siri konsert Taylor Swift telah menggerakkan pasaran.\n Impaknya kelihatan dalam statistik ekonomi. Minggu ini, KDNK atau Keluaran Dalam Negara Kasar \u2013 yang dianggap sebagai ukuran pertumbuhan ekonomi \u2013 menunjukkan ekonomi Amerika Syarikat berkembang pada kadar 2.4%, jauh lebih tinggi daripada yang dijangkakan. Kerana apa? Perbelanjaan. Pengguna nampaknya \u201cberdaya tahan\u201d dalam menghadapi persekitaran harga yang lebih tinggi. Walaupun perbelanjaan dalam banyak kategori jatuh \u2013 termasuk elektronik, pembaikan rumah, perabot \u2013 satu kategori melonjak: hiburan. Orang ramai terus keluar makan, melihat konsert dan wayang.\n\n\n\u00a0\n\n\nRaiz membantu anda menyimpan & melabur \u2013 \nberjaya menyimpan 5% daripada gaji anda setiap bulan adalah lebih baik\n daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\u00a0\n\n\nAnda tahu?\n\n\nKonsert jelajah Taylor Swift Eras Tour dijangka mencecah rekod jualan sebanyak USD1 billion \u2013 tertinggi dalam sejarah.\n\n\nSebelum ini ialah konsert jelajah Elton John sebanyak USD853 juta.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/learn-what-is-stock-exchange-bursa-malaysia-mr-diy/", "title": "Learn what is stock exchange, Bursa Malaysia & Mr DIY", "body": "Learn what is stock exchange, Bursa Malaysia & Mr DIY\n\n\nKlik sini untuk Bahasa Melayu\n\n\nLet us learn the super basic of Investing:\n\n\nA \nstock exchange\n acts as a market where stock buyers connect with stock sellers. Stocks can be bought and sold on several exchanges. In Malaysia we have \nBursa Malaysia\n. In the US, there is the New York Stock Exchange (NYSE).\n\n\nStocks here means \nequities\n.\n\n\nThe stocks first become available on an exchange after a company puts its shares on the exchange; this is initial public offering \n(IPO)\n. For example, Mr DIY Group Bhd conducted its IPO in Oct 2020, putting 941.49 million shares on Bursa Malaysia.\n\n\nYou, as an investor, buy those shares. And then another person offers to buy those shares at a higher amount. This difference is your \nprofit\n (but if you sell it a lower price, that is your loss).\n\n\nWhen you buy the shares, you actually become a small \nowner\n of Mr DIY\ud83d\ude0a\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/lebih-8000-matawang-crypto-di-dunia/", "title": "Lebih 8,000 matawang crypto di dunia", "body": "Lebih 8,000 matawang crypto di dunia\n\n\nSama seperti Ringgit, mata wang kripto adalah mata wang yang boleh digunakan untuk membeli barang dan perkhidmatan (tetapi tidak semua perniagaan menerima mata wang ini). Namun, mata wang tersebut adalah dalam bentuk digital.\n\n\n\n\nIanya menggunakan teknologi yang dikenali sebagai rantaian blok, di mana lejar digital dan urus niaga direkodkan pangkalan data awam yang dikongsi oleh sebuah rangkaian computer.\n\n\nSama seperti mata wang biasa seperti Ringgit, Dollar atau Yen, terdapat banyak mata wang kripto. Beberapa kripto yang biasa anda dengari dan didagangkan adalah Bitcoin, Ethereum dan XRP.\n\n\nBitcoin, kripto terbesar dan paling lama, mungkin sudah menjadi pelaburan yang paling menguntungkan baru-baru ini. 6 bulan yang lalu, harganya sekitar RM40,000, dan semasa anda menerima e-mel ini, harganya sudah melebihi RM200,000! Namun demikian, ianya mungkin juga yang paling banyak mengalami turun naik harga secara mendadak. Harganya pernah turun sebanyak RM32,000 hanya dalam 24 jam bulan lepas! Oleh itu, pastikan anda tahu risiko pelaburan yang selesa untuk anda.\n\n\nTerdapat lebih daripada 8,000 mata wang kripto di pasaran, berbanding hanya 180 mata wang kertas. Nilai keseluruhan semua mata wang kripto ini berjumlah lebih daripada USD1.4 trilion (sekitar RM5.7 trilion, atau 62 kali ganda saiz Maybank, syarikat terbesar di Malaysia dari segi nilai pasaran).\n\n\n\u00a0\n\n\nAdakah ianya patuh Shariah? Baca di \nsini\n.\n\n\nDigital Asset Exchanges (DAX) adalah platform di mana anda boleh memperdagangkan mata wang kripto. Anda boleh berdagang dengan (rakan seperjuangan kami!) DAX berlesen dan dikawal selia oleh Suruhanjaya Sekuriti Malaysia.\n\n\n\u00a0\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0Penting\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/lebih-maklumat-mengenai-salah-satu-dana-dalam-portfolio-bolehubah-dana-aberdeen-standard-islamic-world-equity/", "title": "Lebih maklumat mengenai salah satu dana dalam Portfolio Bolehubah \u2013 Dana Aberdeen Standard Islamic World Equity", "body": "Lebih maklumat mengenai salah satu dana dalam Portfolio Bolehubah \u2013 Dana Aberdeen Standard Islamic World Equity\n\n\nClick here for English\n\n\n25-11-2021\n\n\nKita memerlukan portfolio yang dapat memenuhi semua keadaan, menjana pertumbuhan dan menawarkan kestabilan. Dana \nAberdeen Standard Islamic World Equity \nbertujuan untuk menjadi portfolio yang direka untuk memenuhi keperluan anda.\n\n\n\n\nTurun naik pasaran tidak dapat dielakkan. Namun, syarikat patuh Shariah biasanya mempunyai jumlah hutang yang kurang daripada syarikat konvensional. Syarikat yang mempunyai hutang yang kurang terutamanya semasa kemelesetan boleh memberi tumpuan kepada perniagaan, kerana mereka kurang bimbang tentang aliran tunai, dan dengan itu mereka berada pada kedudukan yang lebih baik untuk menawarkan penjanaan pertumbuhan yang stabil bagi para pelabur.\n\n\n\u00a0\n\n\nKepelbagaian\n\n\nDana ini melabur di pasaran global merentasi sektor, memberi kebaikan pada para pelabur. Dana ini khususnya mengutamakan sektor yang menawarkan penjanaan pertumbuhan dan daya tahan yang tinggi, seperti sektor IT dan penjagaan kesihatan.\n\n\nIa melabur dalam portfolio antarabangsa ekuiti dan sekuriti berkaitan yang patuh Shariah yang mempunyai potensi penjanaan pertumbuhan yang baik. Di antara negara-negara yang dilaburkan adalah Kanada, Amerika Syarikat, UK, Perancis, Jerman, Jepun, Australia, China, Korea Selatan, dan lain-lain.\n\n\n5 pegangan terbesar dana ini setakat 31 Oktober 2021 adalah:\n\n\n\n\nASML Holding\n \u2013 Pembuat dan pengilang cip yang ditubuhkan di Belanda.\n\n\nL\u2019Oreal \n\u2013 Sebuah syarikat penjagaan diri yang beribu pejabat di Paris, Perancis.\n\n\nTaiwan Semiconductor Manufacturing Company (TSMC\n) \u2013 Sebuah syarikat terbesar di dunia yang mengeluarkan kontrak cip semikondukter yang berpusat di Taiwan.\n\n\nProcter & Gamble Co\n \u2013 Sebuah syarikat barangan pengguna multinasional yang beribu pejabat di Amerika Syarikat.\n\n\nNike Inc\n \u2013 Sebuah perusahaan multinasional yang terlibat dalam produksi kasut dan pakaian, dan lain-lain.\n\n\n\n\n\u00a0\n\n\nPrestasi kukuh\n\n\nDana ini menjana prestasi yang kukuh pada tahun 2020, memberikan pulangan sebanyak 18.8%, dan telah mengatasi penanda aras (9.0%). Ia telah memberikan pulangan tahunan sebanyak 12.8%* sejak penubuhannya.\n\n\nIa telah dinamakan \u201c\nBest Global Islamic World Equity Fund\n\u201d atau \u201cDana Global Ekuiti Patuh Shariah Terbaik\u201d untuk lima tahun berturut-turut.\n\n\nUntuk mengetahui lebih lanjut tentang dana ini, sila ke laman web mereka \ndi sini\n.\n\n\n*setakat 30 September 2021.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/love-struck-or-scammed-detecting-romance-scams-in-malaysia/", "title": "Love Struck or Scammed? Detecting Romance Scams in Malaysia", "body": "Love Struck or Scammed? Detecting Romance Scams in Malaysia\n\n\nWhat is Romance Scam?\n\n\nA love scam, commonly known as romance scam, is a type of scam in which a person pretends to be romantically interested in someone else to gain their trust and defraud them.\n\n\nLove scammers often use online dating websites, social media or dating apps to find and contact their victims.\n\n\nMay spend weeks or even months to build a relationship with the victim before asking for money or personal information.\n\n\n\n\nHow romance scam works:\n\n\n\n\nFake Profiles: Scammers will create attractive and engaging profiles, often using stolen and personal information of other people, to approach potential victims as their desirable partner.\n\n\nEstablishing an emotional connection: Scammers will initiate contact with potential victims, usually using flattery, affectionate or intimate messages to quickly form an emotional connection with the victim.\n\n\nEmotional Hardships: Scammers after forming an emotional connection with the victims, they will express personal hardships or financial crises that they are facing to obtain sympathy from the victim.\n\n\nFinancial requests: After gaining victim\u2019s trust and sympathy, scammers may then start requesting financial assistance, such as medical aid or any kind of emergencies which requires the victim to send them money.\n\n\nDeception and Disappearance: Scammer will continue to manipulate the trust and sympathy they gained from the victim into sending them money or gift, worse yet their bank details. Once they have gotten what they want, scammers will then disappear without a trace.\n\n\n\n\nSigns that you might be falling in a Romance Scam\n\n\n\n\nClaim to be living abroad and are unwilling to video call or meet in person.\n\n\nThey use fake profiles or stolen photographs.\n\n\nThey ask for money or personal information.\n\n\nTheir messages seem too good to be true.\n\n\n\n\nTips to avoid being scammed:\n\n\n\n\nDon\u2019t share personal information including contact details.\n\n\nDO NOT send or receive money.\n\n\nUse trusted dating websites.\n\n\nThink twice before using your webcam.\n\n\nCross-check and verify. Conduct an online search to check the person\u2019s name, photo, location, or any other details for legitimacy.\n\n\n\n\nWhat to do if you have been scammed?\n\n\n\n\nContact your bank or National Scam Response Center (NSRC) at 997\n\n\nLodge a police report \u2013 Head to your nearest police station and lodge police report even after contacting your bank or NSRC.\n\n\n\n\n\u00a0\n\n\nAlways be vigilant and cautious while forming online connections, don\u2019t let scammers play with your heart and take your money. You wouldn\u2019t want to be left broke and emotionally damaged.\n\n\nBy staying informed, cautious, and reporting any suspicious activities to authorities, we can protect ourselves and our fellow Malaysians from falling victims to scams. No matter how small the effort, let\u2019s strive to a scam-free society.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/lower-your-portfolio-risk-with-money-market-fund/", "title": "Lower your portfolio risk with Money Market fund", "body": "Lower your portfolio risk with Money Market fund\n\n\nKlik sini untuk Bahasa Melayu\n\n\nYou now can lower your overall portfolio risk by adding a money market fund with the inclusion of \nAffin Hwang Aiiman Money Market Fund\n in the Custom Portfolio!\n\n\n\n\n\u00a0\n\n\nWhat\n is money market fund?\n\n\nA money market fund handles large amount of cash. So when it wants to do placements with banks (like putting cash in Fixed Deposits), it has higher negotiating power to get better profit rate than individual.\n\n\nAs it is basically lending money to the banks, it is also considered very low risk because they are backed by the banks.\n\n\n\u00a0\n\n\nTo include this money market fund into your Custom Portfolio;\n\n\nOpen your Raiz app > \nHome\n > \nInvest\n > \nPortfolio\n > Custom Portfolio icon (on the most right) > \nEdit Portfolio\n.\n\n\n\u00a0\n\n\n\n\n\u00a0\n\n\nLearn how to have more control of your investment with Custom Portfolio here or by watching the video \nhere\n.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/manage-money-better-on-salary-day/", "title": "Manage Money Better on Salary Day", "body": "Manage Money Better on Salary Day\n\n\nKlik sini untuk Bahasa Melayu\n\n\n\u00a0\n\n\nIt\u2019s pay day! Everyone smiles when they get the notification that lets them know that the salary has come in.\n\n\nBut that smile doesn\u2019t last long when you have to pay bills, child school fees and so on. So much so that money doesn\u2019t seem to be enough when it\u2019s the middle of the month. That time, Maggi mee immediately came to mind.\n\n\n\n\nThe question is \u2013 how to manage the salary money more systematically so you can meet all expenses and can live happily?\n\n\nAmong the best known guidelines that can be used are the \n50/30/20 Rule\n which is classified into three:\n\n\n\n\nNecessities (50%)\n\n\nWants (30%)\n\n\nSavings & investments (20%)\n\n\n\n\nHowever, this percentage can be changed according to the suitability of your life.\n\n\n\u00a0\n\n\nNecessities\n\n\nThis is the most important part because it involves your survival such as housing, food, transportation, medications, and utility bills. Once you get the salary, it is better if you proceed to complete the monthly mandatory payment. Set the payment automatically so that you do not forget to pay.\n\n\nFor food and household items, it is now easier for you to assess the price yourself. For example, buying items online in bulk is usually cheaper than buying one by one and cooking it yourself is usually cheaper than buying food in a restaurant.\n\n\nHopefully, after completing the necessities part, you have peace of mind.\n\n\n\u00a0\n\n\nWants\n\n\nThis part involves something you like to buy but not for survival such as travelling, buying your 3rd handbag and house curtains for Hari Raya. Usually it is for reward, after a tiring day at work.\n\n\nIf you don\u2019t have a lot of money for this part, you can save a little bit each month to get what you want. For this, Raiz can help you through the Savings Goal feature. You just set a target of how much monthly savings, next see it works to reach your target!\n\n\nFor example, you need RM500 for a family holiday. You can set RM100 / month and will reach the savings target within 5 months.\n\n\n\u00a0\n\n\nSavings & investments\n\n\nThis part is also important but often forgotten. Money is needed for survival, not just now but also for the future. \nThe Covid-19 pandemic has given us an awareness of the importance of an emergency fund.\n The point is you have a financial security cushion in the future.\n\n\nWith Raiz, you can easily automate your savings and investments 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).\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/market-update-from-raiz-group-ceo-george-lucas/", "title": "Market Update from Raiz Group CEO, George Lucas", "body": "Market Update from Raiz Group CEO, George Lucas\n\n\n2/11/20\n\n\nGeorge Lucas, Raiz Group CEO\n\n\nGlobal equities have just suffered their worst week since the market volatility in March when investors finally realised the full health and economic consequences of COVID-19. The market is attributing the sell-off to caution over the escalation in coronavirus cases and the US election, with the US tech titans the latest casualties in this selling.\n\n\n\n\nI believe it is more about the election than the new wave of coronavirus sweeping the US and Europe, with the presidential and congressional polls probably creating an uptick in financial market volatility this week.\n\n\nIn my opinion, the key will be who wins the US Senate.\n\n\nIf the Democrats win the Senate and keep the House, then I believe the markets will rally on this new political reality no matter who is elected President.\u00a0 This is because a Democratic Senate and House will pass a larger fiscal stimulus package than if the Senate remains Republican.\u00a0 If it remains Republican then a larger stimulus package will be difficult to pass no matter who is President.\n\n\nIf there were real concerns about slowing global growth, due to upticks in coronavirus cases in Europe and the US, it would have been seen in the energy market, which has been volatile but nothing like the sell-off that occurred in March. We also have not seen an uptick in gold; it continues to trade below its August highs.\n\n\nIt will be a choppy week for the markets as the US election approaches \u2013 not a time for hasty decisions. So stick to your investment strategy. The markets will remain focused on what could go wrong rather than what could go right \u2013 and a lot could still go right.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThis has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/markets-react-to-the-us-election-results/", "title": "Markets react to the US election results", "body": "Markets react to the US election results\n\n\n09-11-2020\n\u00a0\n\n\nGeorge Lucas, Raiz Group CEO\n\u00a0\n\n\nThis week Democrat Joe Biden was named president-elect after defeating Republican Donald Trump to become the 46th president of the United States.\n\u00a0\n\n\n\n\nAfter more than three days of counting, Biden gained the 270 Electoral College votes needed to claim victory with a win in the key state of Pennsylvania. However, Trump has still not conceded defeat, repeatedly alleging electoral fraud despite presenting no evidence, and launching a spate of court action.\n\u00a0\n\n\nIf Trump continues with these allegations and does not concede, then the uncertainty that this creates may cause issues for the market.\n\u00a0\n\n\n\u00a0\n\u00a0\n\n\nWhy the US Senate race matters\n\u00a0\n\n\nThis election has always been about the US Senate results for the markets.\u00a0 The Republicans will probably still hold the Senate, and this is what the market is expecting.\n\u00a0\n\n\nBecause of the Biden win I expect fiscal stimulus will now be taken off the agenda in the US Senate, while Trump is still President until late January 2021. The Republicans will change their focus to the appointments of judges to the federal courts, which\u00a0\nhave to\n\u00a0be ratified by the Senate as well as other initiatives that Biden may not ratify.\n\u00a0\n\n\nWhen it comes to future stimulus,\u00a0\nit\u2019s\n\u00a0likely that the amount will be less than if the election had resulted in a so-called \u201cblue sweep\u201d with Democrats winning Congress and the Presidency.\n\u00a0\n\n\nOn stimulus, Republicans in the Senate will likely argue that the US economic recovery is occurring without another large fiscal support package.\u00a0 This is supported by recent economic numbers such as the employment report. The current strength in the US economy, however, may be due to the US Federal Reserve doing all the heavy lifting and printing money.\u00a0 This is more likely to continue with a Republican Senate.\n\u00a0\n\n\n\u00a0\n\u00a0\n\n\nWhat the US elections mean for\u00a0\nMalaysia\n\u00a0\n\n\nOn\n\u00a0that point, looking ahead the Fed may need to print more money to do more of the heavy lifting as fiscal stimulus will do less, which will see US treasuries yields stabilise or even\u00a0\nfall.\n\u00a0\n\n\nA\n\u00a0fall in US yields will weaken the US dollar against many countries, meaning that domestically we will continue to see support for the\u00a0\nMalaysian\u00a0\nR\ninggit due to commodity prices, as demand from China continues as China recovers quickly and weakening yields in the US.\u00a0 We have recently\u00a0\nsee\nn\n\u00a0some strength in the ringgit on the expectation of\u00a0\nthis.\n\u00a0\n\n\nWe\n\u00a0do not expect that Bank Negara Malaysia will allow too much ringgit strength and we may see them cut rates further to support exports and the economy.\n\u00a0\n\u00a0\n\n\n\u00a0\n\u00a0\n\n\nBig tech dominance to continue\n\u00a0\n\n\nTurning to Washington\u2019s crackdown on big tech, the risk of anti-trust cases against firms like Google and Facebook falls with a Republican Senate and Democratic President.\n\u00a0\n\n\nSo, on this front expect to see long term dominance now from the large US tech companies in the US stock market.\u00a0\nIt\u2019s\n\u00a0not value investing, but it\u2019s growth investing.\u00a0\nWhat\u2019s\n more, without a significant majority in the Senate, the Democrats will probably also be unable to increase corporate taxes. With less chance of tax hikes, there is more chance of a further market rally.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/melabur-dalam-raiz-patuh-syariah-ke/", "title": "Melabur dalam Raiz \u2013 Patuh Shariah ke?", "body": "Melabur dalam Raiz \u2013 Patuh Shariah ke?\n\n\nClick here for English\n\n\n31 Mei 2020 (DIKEMASKINI 09 Mac 2022)\n\n\noleh Aidi Izham, CFP\u00ae, MIFP\n\n\n\u00a0\n\n\nSemua portfolio pelaburan Raiz adalah di dalam dana-dana unit amanah.\n\n\nUntuk Portfolio Bolehubah (\u201c\nCustom Portfolio\n\u201c), dana-dana unit amanah terlibat adalah;\n\n\n\n\nDana Aberdeen Standard Islamic World Equity\n\n\nDana UOB United-i Global Balanced\n\n\nDana UOB United-i ESG Series \u2013 High Quality Sukuk\n\n\n\n\nDana Affin Hwang Shariah Gold Tracker\n\n\n\n\nDana Affin Hwang Aiiman Money Market\n\n\n\n\nDan kesemua dana tersebut adalah patuh Shariah.\n\n\n\n\n\u00a0\n\n\nUntuk portfolio Agresif, Moderate dan Konservatif, dana-dana unit amanah terlibat adalah;\n\n\n\n\nDana ASN Equity 3\n\n\nDana ASN Imbang 2\n\n\nDana ASN Sara 1\n\n\n\n\nKesemua dana-dana ini adalah diuruskan oleh Amanah Saham Nasional Berhad (ASNB), anak syarikat milik penuh Permodalan Nasional Berhad (PNB).\n\n\nTidak dinafikan, dana-dana tersebut ada dua percanggahan pendapat tentang status \u201cpatuh Shariah\u201d nya. PERTAMA, daripada Suruhanjaya Sekuriti Malaysia (SC), badan berkanun yg bertanggungjawab mengawal selia dan membangunkan pasaran modal Malaysia \u2013 dana-dana tersebut TIDAK diberikan status \u201cpatuh Shariah\u201d.\n\n\nKenapa?\n\n\nKerana pegangan pelaburan strategik PNB dalam syarikat-syarikat perbankan Malaysia, terutama sekali Maybank (KLSE:MAYBANK), yang dianggap saham perkhidmatan kewangan tidak \u201cpatuh Shariah\u201d. Untuk SC memberi status Shariah kepada sesuatu saham atau sekuriti, SC melihat kepada tanda aras aktiviti perniagaan (business activity benchmarks) dan tanda aras nisbah kewangan (financial ratio benchmarks). Selain itu, aspek kualitatif yang melibatkan persepsi umum atau imej aktiviti syarikat turut diambil kira.\n\n\nBagaimanapun, pendapat KEDUA daripada Jawatankuasa Fatwa negeri-negeri dan juga Jawatankuasa Fatwa Majlis Kebangsaan bersepakat bahawa \ndana-dana ASNB \u201charus\u201d hukumnya\n, atas beberapa sebab jelas berikut;\n\n\n\n\nMandat PNB adalah untuk memperkayakan kehidupan semua rakyat Malaysia dan Bumiputera khususnya yg majoritinya beragama Islam. PNB memiliki lebih 14 juta pemegang unit, di mana kira-kira 80% adalah Bumiputera.\n\n\nPNB tidak melabur dalam sektor yang berkaitan secara langsung dengan perkara-perkara haram seperti arak, judi dan rokok.\n\n\nSaiz ekuiti patuh Shariah di Bursa Malaysia adalah terhad, terutamanya sektor perkhidmatan kewangan, apabila diambil kira amaun yg perlu PNB laburkan \u2013 saiz asset PNB ialah RM312 bilion, tetapi pasaran modal patut Shariah di bursa Malaysia hanya RM1.1 trillion (setakat 31 Dec 2019).\n\n\nJika PNB menarik keluar pelaburannya dalam Maybank, berkemungkinan besar ia akan mendatangkan kesan negatif yang besar kepada ekonomi Bumiputera Islam.\n\n\nAndainya PNB tidak memiliki pegangan majoriti dalam Maybank, ia akan melambatkan pembangunan kewangan Islam di negara ini. Maybank Islamic, bank Islam terbesar dari segi aset di Malaysia dan ASEAN, jelas memacu pertumbuhan industri ini.\n\n\n\n\nOleh itu, atas sebab-sebab jelas ini, setelah mengambil kira dan mengutamakan kepentingan awam (\nmaslahah\n), mengekalkan pelaburan di Maybank dianggap sebagai penting (\ndharuriyyah\n) \u2013 lalu Jawatankuasa Fatwa meng\u201dharus\u201dkannya.\n\n\n\u00a0\n\n\nKesimpulannya;\n\n\n\n\nDari SC \u2013 dana-dana ASNB TIDAK diberi status \u201cpatuh Shariah\u201d.\n\n\nDari Jawatankuasa Fatwa \u2013 HARUS.\n\n\nTiada paksaan jika seseorang itu berhasrat untuk melabur, atau tidak sama sekali. Oleh kerana itu, prinsip \nhajiyyah\n (kemudahan) memberi kemudahan dan kelapangan dalam kehidupan sehari-hari. Ketiadaannya tidak akan menjejaskan kehidupan tetapi juga akan menyebabkan sedikit kesulitan.\n\n\n\n\n\u00a0\n\n\nWallahuaklam\n.\n\n\n\u00a0\n\n\nSumber:\n\n\nBursa Malaysia, FAST BNM\n\n\nPNB Annual Report 2019\n\n\nwww.asnb.com.my\n\n\nwww.pnb.com.my\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\n\n\n\u00a0\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di \nlaman \nweb \nini \nadalah \nnasihat \numum \nsahaja\n. \nIni \nbermakna \nia \ntidak \nmempertimbangkan \nobjektif \npelaburan\n, \nkeadaan \nkewangan \natau \nkeperluan \npelaburan \nseseorang\n.\n\n\nSekiranya \nanda \nseorang \npelabur\n, \nanda \nharus \nberjumpa \ndengan \npenasihat \nberlesen \nanda \nsebelum \nmenggunakan \napa-apa \nmaklumat \nyang \nterdapat \ndalam \nartikel \nini \nuntuk \nmemahami \nsepenuhnya \nmanfaat \ndan \nrisiko \nyang \nberkaitan \ndengan \nproduk \nRaiz.\n\u00a0\n\n\nMaklumat di \nlaman \nweb \nini \nadalah \nsulit\n. \nIa \ntidak \nboleh \nditerbitkan \nsemula\n, \ndiedarkan \natau \ndidedahkan \nkepada \norang lain. Maklumat \ntersebut \nberdasarkan \nandaian \natau \nkeadaan \npasaran \nyang \nberubah \ntanpa \nn\notis\n. \nIni \nakan \nmempengaruhi \nketepatan \nmaklumat\n.\n\u00a0\n\n\nDalam \napa \njua \nkeadaan \nmaklumat \nyang \nakan \ndigunakan \noleh, \natau \ndisampaikan \nkepada\n, \nseseorang \nuntuk \ntujuan \nmembuat \nkeputusan \nmengenai \npelaburan \ndi Raiz, p\nrestasi \npulangan \nmasa \nlalu \nproduk \nRaiz \ntidak \nboleh \ndi\njadikan \npanduan \ns\nemasa \nmembuat \nkeputusan \nuntuk \nmelabur \ndalam \nRaiz dan \nbukan \nperamal \nprestasi \nmasa \ndepan \nyang \nbaik\n.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/memahami-penyata-raiz-anda/", "title": "Memahami Penyata Raiz Anda", "body": "Memahami Penyata Raiz Anda\n\n\nClick here for English\n\n\n10-02-2021\n\n\nDengan Raiz, anda boleh mengakses dan memuat turun PDF penyata anda dengan mudah.\n\n\n\n\nRaiz secara automatik akan memberi anda penyata akaun bulanan dalam bentuk PDF. Untuk mengaksesnya, pergi ke My Settings > Statements.\n\n\nPada skrin Penyata ini, anda boleh memilih penyata bulan yang dikehendaki.\n\n\n\u00a0\n\n\nApa\n\u00a0yang\u00a0\nada\n\u00a0pada\u00a0\npenyata\n\u00a0\nanda\n?\n\u00a0\n\n\nPenyata\n\u00a0\nbulanan\n\u00a0\nanda\n\u00a0\nmemberikan\n\u00a0\nringkasan\n\u00a0\naktiviti\n\u00a0\nakaun\n\u00a0\nanda\n\u00a0\ntempoh\n\u00a0\ntersebut\n.\n\u00a0\n\n\nPenyata anda akan menunjukkan baki pembukaan, deposit, pengeluaran, dividen, caj dan perubahan nilai akaun untuk bulan tersebut. Seterusnya, anda akan melihat semua pesanan beli dan jual anda, yang dipesan dari awal hingga akhir tempoh. Pada bahagian akhir, anda akan melihat ringkasan keuntungan dan kerugian pada bulan tersebut.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/menyimpan-duit-di-dalam-akaun-bank-vs-dana-pasaran-wang/", "title": "Menyimpan duit di dalam Akaun Bank vs dana Pasaran Wang", "body": "Menyimpan duit di dalam Akaun Bank vs dana Pasaran Wang\nClick here for English\n\n\nMenyimpan wang tunai anda di dalam akaun bank \u2013 dan membiarkannya tanpa disentuh \u2013 adakah ini patut dilakukan kepada wang tunai anda? Adakah anda tahu bahawa apabila anda menyimpan wang anda dalam akaun bank, \nanda boleh dikatakan tidak mendapat apa-apa pulangan\n?\n\n\n\n\nLihat di bawah \u2013 perbandingan antara ketika anda menyimpan di dalam \nakaun bank\n berbanding \ndana Pasaran Wang\n \u2013 berdasarkan data sebenar.\n\n\n.\n\n\nMenyimpan wang tunai anda dalam dana Pasaran Wang memberi anda kadar keuntungan yang lebih baik berbanding dengan akaun bank. Kerana dana Pasaran Wang juga hampir sama baiknya dengan wang tunai, ia juga mempunyai risiko yang sangat rendah. Anda bekerja keras untuk duit, sekarang biarkan pula duit bekerja untuk anda!\n\n\nKami ingin mengingatkan prestasi masa lalu bukanlah petunjuk yang baik untuk menentukan prestasi masa hadapan.\n\n\nUntuk menambah dana pasaran wang ini ke dalam Portfolio Bolehubah anda; buka aplikasi Raiz > \nLabur\n > \nPortfolio\n > ikon Portfolio Bolehubah (kanan sekali) > \nKemas Kini Portfolio\n.\n\n\nKlik \nsini\n \nuntuk info lanjut dan \nsini\n untuk menonton video cara-cara untuk mengubah portfolio anda ke Portfolio Bolehubah.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/menyimpan-rm5-sehari/", "title": "Menyimpan RM5 sehari?!", "body": "Menyimpan RM5 sehari?!\n\n\nAnda tahu, lebih 50% pengguna Raiz telah set pelaburan berkala (harian/ mingguan/ bulanan) \u2013 dan ramai bermula dengan \nRM5 sehari\n.\n\n\nRM150 sebulan vs RM5 sehari \u2013 mana lebih mudah?\n\n\n\n\n\n\nBermula secara kecil-kecilan\n\n\n\n\n\n\n\n\n\n\nPada mulanya, mungkin terasa sedikit. Tetapi percayalah, lama-kelamaan ianya akan menjadi kebiasaan!\n\n\n\n\n\n\n\n\n\n\nJadikan rutin\n\n\n\n\n\n\n\n\n\n\nBermula kecil-kecilan untuk belajar menerapkan tabiat menabung sebagai rutin.\n\n\n\n\n\n\n\n\n\n\nMenunggang turun naik pasaran dengan lebih yakin\n\n\n\n\n\n\n\n\n\n\nDengan pelaburan berkala, kita boleh menghadapi turun naik pasaran dengan lebih yakin \u2013 dan tenang. Ini lebih baik untuk menjamin pertumbuhan simpanan anda dalam jangka masa panjang dengan lebih stabil dan sihat. Baca \nsini\n.\n\n\n\n\n\n\n\n\n\u00a0\n\n\nMari cuba RM5 sehari!\n\n\n.\n\n\np/s lagipun, anda boleh batalkan bila-bila masa, serta merta \ud83d\ude42\n\n\n\u00a0\n\n\n\n\nTiada aplikasi Raiz?\n\u00a0\n\n\nMuat turun aplikasi Raiz secara percuma:\n\u00a0\n\n\n\n\n.\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nMaklumat\u00a0\nPenting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/minggu-berakhir-07-03-2023/", "title": "TIGA perkara yang anda perlu tahu minggu ini (minggu berakhir 07/03/2023).", "body": "TIGA perkara yang anda perlu tahu minggu ini (minggu berakhir 07/03/2023).\n\n\nClick here for English\n\n\nKami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:\n\n\n\n\n\u00a0\n\n\nTIGA perkara yang anda perlu tahu minggu ini;\n\n\n\n\n\n\n\n\nBank Negara dijangka bakal mengekalkan kadar faedah\n. Mesyuarat Jawatankuasa Dasar Monetari Bank Negara pada Khamis merupakan antara peristiwa penting minggu ini.\n\n\nDua gergasi industri, Tesla dan Amazon Web Services (AWS) akan melabur di Malaysia\n.\n\n\n\nTesla akan membuka bilik pameran jualan, pusat servis dan mewujudkan rangkaian stesen pengecasan. Ini bakal mewujudkan pekerja mahir dan meningkatkan penyertaan syarikat tempatan dalam ekosistem kenderaan elektrik.\n\n\nAWS akan melancarkan infrastruktur baharu serantaunya di Malaysia, mengesahkan bahawa ia berhasrat untuk melabur sekurang-kurangnya RM25.5 bilion menjelang 2037.\n\n\n\n\n\n\nLembaga Tabung Angkatan Tentera (LTAT) ingin mengambil alih syarikat Boustead Holdings Bhd dan \nmenjadikannya syarikat persendirian\n. LTAT telah membuat tawaran pengambilalihan sukarela untuk baki 40.58% saham yang belum dimilikinya. Berdasarkan jumlah saham \u2013 822.51 juta, atau 40.58% daripada Boustead \u2013 LTAT dijangka perlu \u201cmengorek\u201d RM703.25 juta untuk pembelian tersebut.\n\n\n\nBoustead memiliki 52% saham Pharmaniaga Bhd dan 64.99% daripada Boustead Heavy Industrial Corp Bhd. Selain itu, ia juga memiliki 57.42% daripada Boustead Plantation Bhd dan 20.93% daripada Affin Bank Bhd.\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nRaiz membantu anda menyimpan & melabur \u2013 \nberjaya menyimpan 5% daripada gaji anda adalah lebih baik\n daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\u00a0\n\n\nAnda tahu?\n\n\nApa maksudnya \u201cmenjadikan syarikat persendirian\u201d? \n\n\nIni bermakna apabila sebuah syarikat besar membeli kesemua baki saham (di bursa saham) sebuah syarikat. Saham-saham syarikat yang dijadikan syarikat persendirian ini tidak akan lagi didagangkan di bursa saham awam.\n\n\nContohnya:\n\n\nLTAT kini memiliki 59.42% saham syarikat Boustead. Baki 40.58% saham didagangkan di Bursa Malaysia (jadi orang ramai boleh membeli/menjual). LTAT kini mahu membeli kesemua 40.58% saham Boustead di Bursa Malaysia supaya ia memiliki 100%.\n\n\nBoustead kemudiannya akan menjadi syarikat persendirian (dan bukan lagi syarikat awam).\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/minggu-berakhir-21-03-2023/", "title": "Perkahwinan dalam sejarah yang anda perlu tahu minggu ini. (minggu berakhir 21/03/2023).", "body": "Perkahwinan dalam sejarah yang anda perlu tahu minggu ini. (minggu berakhir 21/03/2023).\n\n\nClick here for English\n\n\nKami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:\n\n\n\n\n\u00a0\n\n\nPhew\u2026 Minggu yang dasyat.\n\n\nPerkahwinan yang paling bersejarah sejak tahun 2008\n antara dua bank besar Switzerland. UBS bersetuju untuk mengambil alih pesaing sekian lamanya, Credit Suisse, dengan harga USD 3.2 bilion \u2013 menandakan urusniaga perbankan terbesar dalam beberapa tahun.\n\n\np/s Credit Suisse berakhir pada Jumaat lalu dengan nilai pasaran sekitar USD 8 bilion. Ini bermakna UBS mendapat diskaun sebanyak 62%!\n\n\nBadan-badan pengawal selia dilihat kesuntukan masa untuk menghentikan ketidakyakinan\n yang berbahaya terhadap system perbankan global. Pihak berkuasa Switzerland terpaksa mengubah undang-undang negara itu untuk segera memuktamadkan urusniaga itu. Kerajaan Switzerland juga akan menyediakan lebih daripada USD 9 bilion untuk menyokong kerugian yang mungkin ditanggung oleh UBS akibat pengambilalihan itu. Bank Negara Switzerland juga menyediakan lebih daripada USD 100 bilion kecairan kepada UBS untuk membantu melancarkan urusniaga itu.\n\n\nRancangan pantas \u201cperkahwinan paksa\u201d yang terpaksa diatur oleh pihak berkuasa Switzerland ini menunjukkan betapa buruknya keadaan itu.\n\n\nWalau bagaimanapun, \nsaham-saham meningkat semalam\n (selepas kejatuhan besar minggu lepas) apabila pelabur menarik nafas lega bahawa tindakan menyelamat bersejarah yang melibatkan dua bank besar ini berpotensi untuk menghentikan penularan krisis perbankan \u2013 buat masa ini.\n\n\n\u00a0\n\n\nRaiz membantu anda menyimpan & melabur \u2013 \nberjaya menyimpan 5% daripada gaji anda adalah lebih baik\n daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\u00a0\n\n\nAnda tahu?\n\n\nBank terbesar di dunia \nialah Industrial and Commercial Bank of China (ICBC) degan aset melebihi USD 5.5 trilion.\n\n\nKe-2 ialah China Construction Bank (USD 4.7 trilion).\n\n\nSumber: 2022 S&P Global Market Intelligence report\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/more-details-on-one-of-our-featured-funds-in-the-custom-portfolio-aberdeen-standard-islamic-world-equity-fund/", "title": "More details on one of our featured funds in the Custom Portfolio \u2013 Aberdeen Standard Islamic World Equity Fund", "body": "More details on one of our featured funds in the Custom Portfolio \u2013 Aberdeen Standard Islamic World Equity Fund\n\n\nKlik sini untuk Bahasa Melayu\n\n\n25-11-2021\n\n\nCome rain or shine, we need a portfolio that caters to all weather conditions, offers sustainable growth and stability when it matters most. The Aberdeen Standard Islamic World Equity Fund aims to be the core portfolio that is designed to meet your needs.\n\n\n\n\nMarket downturns are unavoidable. However, Shariah-compliant companies typically have less debt compared with conventional firms. Companies that have less debt particularly during downturns can focus on their business with fewer concerns about their cash flow, and hence are better positioned to offer steady growth for investors.\n\n\n\u00a0\n\n\nDiversification\n\n\nThe fund invests globally across sectors, providing diversification benefits for investors. In particular, it prioritises sectors that offer growth and resilience, such as IT and health care.\n\nIt invests in an international portfolio of Shariah-compliant equities and related securities of companies with good growth potential, including countries such as Canada, US, UK, France, Germany, Japan, Australia, China and South Korea, among many others.\n\n\nIts current top 5 holdings as at 31 October 2021 are:\n\n\n\n\nASML Holding\n \u2013 A manufacturer of chip-making equipment founded in Netherlands.\n\n\nL\u2019Oreal\n \u2013 A personal care company headquartered in Paris, France.\n\n\nTaiwan Semiconductor Manufacturing Company (TSMC)\n \u2013 The world\u2019s largest contract manufacturer of the semiconductor chip, based in Taiwan.\n\n\nProcter & Gamble Co\n \u2013 A multinational consumer goods corporation headquartered in the US.\n\n\nNike Inc\n \u2013 A multinational corporation that\u2019s engaged in designing and manufacturing footwear and apparels, among others.\n\n\n\n\n\u00a0\n\n\nStrong performance\n\n\nThe fund generated a strong 2020 performance, returning 18.80% for the year and outperforming the benchmark by 9.00%. It has delivered an annualised return of 12.8% since inception*.\n\nIt has been named the \u201cBest Global Islamic World Equity Fund\u201d by FundSupermart for five years running.\n\n\nTo learn more about the fund, please visit their website \nhere\n.\n\n\n*as at 30 September 2021.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/morotarium-nak-ambil-ke-tak/", "title": "Moratarium \u2013 Nak ambil ke tak?\u2026 (minggu berakhir 13/07/2021)", "body": "Moratarium \u2013 Nak ambil ke tak?\u2026 (minggu berakhir 13/07/2021)\n\n\n\u00a0\n\n\nBerikut adalah beberapa maklumat berkenaan Pelaburan dan Ekonomi:\n\n\n\n\n\n\nTinjaun dalam talian yang dijalankan oleh Agensi Kaunseling dan Pengurusan Kredit (AKPK) semasa moratorium Apr-20 tahun lepas.\n\n\n\n88% responden telah memilih untuk mengambil program moratorium pembayaran balik pinjaman tersebut.\n\n\n\n48% ingin membuat tabung kecemasan.\n\n\n21% berbelanja untuk keperluan harian.\n\n\n16% untuk melabur.\n\n\n11% untuk mengambil pinjaman tambahan.\n\n\n4% tidak mempunyai apa-apa rancangan.\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nJika saya ambil, bagaimana ia akan menjejaskan pinjaman saya?\n\n\n\nFaedah pinjaman anda TIDAK akan di kompaun, tetapi masih di akru.\n\n\n(Apa itu??)\n\n\nIni bermakna, jumlah amaun yang dibayar anda akan lebih tinggi (tetapi tidak setinggi jika faedah itu di kompaun).\n\n\n\nContoh: untuk pinjaman kereta 9 tahun, RM80,000, faedah 2.5%, bayaran bulanan anda ialah RM907.41 sebulan. Ini bermakna jumlah bayaran bulanan yang dibayar ialah RM98,000.\n\n\nJika anda mengambil moratorium sekarang, bergantung kepada baki pinjaman semasa anda, jumlah ansuran yang dibayar akan melebihi RM98,000.\n\n\n\n\n\n\nTiada penalti dikenakan, dan rekod peminjam tidak akan terjejas.\n\n\n\n\n\n\n\n\n\n\nKesimpulan kami, AMBIL \u2013 jika kewangan anda terjejas dan memerlukan wang untuk keperluan harian.\n\n\n\nJangan ambil \u2013 jika anda tidak terjejas. Mari kita bantu!\n\n\nAmbil \u2013 jika anda cukup yakin bahawa anda boleh melabur di tempat lain dengan pulangan yang konsisten dan lebih baik daripada kadar faedah pinjaman anda.\n\n\n\n\n\n\n\n\n\n\nRaiz membantu anda untuk menyimpan & melabur secara automatik \u2013 \nsetkan Target Simpanan anda\n untuk tabung kecemasan dan simpan secara automatik!\n\n\n\n\n\u00a0\n\n\nDefinisi Minggu Ini: \nKeuntungan Terkompaun\n\n\nTahun 1 anda mendapat keuntungan \u2013 dikira atas baki anda.\n\n\nTahun 2 anda mendapat keuntungan \u2013 dikira atas baki anda + keuntungan pada tahun 1.\n\n\nTahun 3 anda mendapat keuntungan \u2013 dikira pada jumlah baki anda + keuntungan pada tahun 1 + keuntungan pada tahun 2.\n\n\nDan seterusnya.\n\n\n\u00a0\n\n\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/mudahnya-melabur-rm1000-dalam-setahun/", "title": "Mudahnya melabur RM1,000 dalam setahun!", "body": "Mudahnya melabur RM1,000 dalam setahun!\n\u00a0\n\n\nMari cuba simpan RM 1,000\u2026 dalam masa setahun!\n\n\n\nSeminggu sekali, tutup mata dan letak jari di mana-mana kotak. Simpan amaun yang sama dengan kotak terpilih!\n\n\n\n\n\u00a0\n\n\n\n\n\u00a0\n\n\nDah labur, jangan lupa pangkah.\n\n\nSelamat mencuba!\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/my-finance-how-to-save-more-by-understanding-your-spending/", "title": "My Finance \u2013 How to save more by understanding your spending", "body": "My Finance \u2013 How to save more by understanding your spending\n\n\nWhat is My Finance?\n\n\nNeed an easier way to understand your finances? My Finance is a free-to-use feature within the Raiz app. It provides you with personalised insights and notifications on how you are spending. Spending is the other side of the equation when it comes to saving so by spending less, you can potentially save more\u2026. Keeping a handle on how spending can help you meet your savings goals.\n\n\n\n\nIn addition, we have harnessed machine learning & artificial intelligence into the feature so that it will provide you with tips & insights relevant to you \u2013 about your spending habits and where you may have saving opportunities.\n\n\n\u00a0\n\n\nMy Finance Tip\n\n\nHow it works\n\n\nTo use My Finance, please make sure you have set your Round-up Account as this is how My Finance will be able to provide you personalised insights. The more up to date your My Finance is with categorised spends and linked accounts, the more accurate this will be.\n\n\nSet your Round-up Account to see where you spend\n\n\nCheck out \u2018Uncategorised\u2019 tab in My Finance\n\n\nCheck out the \u2018Uncategorised\u2019 tab within \u2018Categorise Transactions\u2019 to categorise any that My Finance was unable to. My Finance will then learn to categorise this in the future and give you better insights, powered by machine learning technology.\n\n\nYou are also able to change categorised transactions that we may have categorised wrong at any time by tapping on \u2018All\u2019 and the specific transaction you\u2019d like to change. It will also fix up past transactions and My Finance will learn to categorise this in the future as well.\n\n\n\u00a0\n\n\nCheck out the \u2018Uncategorised\u2019 tab within \u2018Categorise Transactions\u2019\n\n\nFuture Cash\n\n\nMy Finance also projects your future free cash based on your past spending and income, which may also help you determine if you are spending above your means or if you can save more.\n\n\nProject your future free cash\n\n\n\u00a0\n\n\n\u00a0\n\n\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/myeg-its-time-and-two-more-things-you-need-to-know-this-week-weekly-ended-14-02-2023/", "title": "MyEG, it\u2019s time? \u2013 and TWO more things you need to know this week (weekly ended 14/02/2023).", "body": "MyEG, it\u2019s time? \u2013 and TWO more things you need to know this week (weekly ended 14/02/2023).\n\n\nKlik sini untuk Bahasa Melayu\n\n\nSharing some Investing and Economic insights:\n\n\n\n\n\u00a0\n\n\nAbout MyEG \u2013 and TWO more things you need to know this week;\n\n\n\n\nMyEG shares had succumbed to a heavy sell down on 7 Feb, dropping 26.7% or 25.5 sen, to 70 sen \u2013 the lowest since Nov 2020 \u2013 following news reports that all immigration services currently provided by MyEG will be reverted to the government by 2025. The EPF and KWAP also pared down its shareholding. The selling pressure continued yesterday. It closed lower at 60.5 sen.\n\n\nMalaysia\u2019s 4Q22 GDP grew 7.0% after recorded a double-digit growth of 14.2% in the previous quarter. This brought overall 2022 GDP to 8.7% (2021: 3.1%) \u2013 the highest annual growth recorded within the period of 22 years (2000: 8.9%) and surpassing the government\u2019s forecast of 6.5% to 7.0%.\n\n\nMicrosoft\u2019s shares rose 3.12% on Monday, pushing its market cap over USD 2 trillion, after Microsoft announced its new artificial intelligence-powered Bing search browser last week.\n\n\n\nMeta, the Facebook parent\u2019s stock rose 3.03% after a report that Meta is planning another round of layoffs as part of its effort to become leaner and more efficient. Meta already let more than 11,000 employees go in November last year.\n\n\n\n\n\n\n\n\n\u00a0\n\n\nRaiz is about helping you save & invest more \u2013 being\n able to save 5% of your salary is better\n than earning 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).\n\n\n\u00a0\n\n\nDo you know?\n\n\nThe biggest company in the world by market capitalisation is Apple at USD2.4 trillion.\n\n\nSecond is Microsoft at USD2.0 trillion, followed by Saudi Aramco (USD1.9 trillion).\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/myeg-sudah-tiba-masanya-minggu-berakhir-14-02-2023/", "title": "MyEG, sudah tiba masanya? \u2013 dan DUA lagi perkara yang anda perlu tahu minggu ini (minggu berakhir 14/02/2023).", "body": "MyEG, sudah tiba masanya? \u2013 dan DUA lagi perkara yang anda perlu tahu minggu ini (minggu berakhir 14/02/2023).\n\n\nClick here for English\n\n\nKami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:\n\n\n\n\n\u00a0\n\n\nTentang MyEG \u2013 dan DUA lagi perkara yang anda perlu tahu minggu ini;\n\n\n\n\nSaham MyEG jatuh teruk pada 7 Feb \u2013 turun 26.7% atau 25.5 sen, kepada 70 sen \u2013 terendah sejak Nov 2020 berikutan laporan berita bahawa semua perkhidmatan imigresen yang disediakan oleh MyEG akan dikembalikan kepada kerajaan menjelang 2025. KWSP dan KWAP juga menjual pegangan sahamnya. Tekanan jualan berterusan semalam. Ia ditutup lebih rendah pada 60.5 sen.\n\n\nKDNK 4Q22 Malaysia berkembang 7.0% selepas mencatatkan pertumbuhan dua angka sebanyak 14.2% pada suku sebelumnya. Ini menjadikan keseluruhan KDNK 2022 kepada 8.7% (2021: 3.1%) \u2013 pertumbuhan tahunan tertinggi yang dicatatkan dalam tempoh 22 tahun (2000: 8.9%) dan melepasi unjuran kerajaan sebanyak 6.5% hingga 7.0%.\n\n\nSaham Microsoft meningkat 3.12% pada hari Isnin semalam, mendorong nilai pasarannya melebihi USD 2 trilion, selepas ia mengumumkan pelayar carian Bing berkuasa kecerdasan buatan (AI) barunya minggu lepas.\n\n\n\nSaham Meta (pemilik Facebook), meningkat 3.03% selepas laporan bahawa Meta merancang satu lagi pemberhentian sebagai sebahagian daripada usahanya untuk menjadi lebih cekap. Meta sudah melepaskan lebih daripada 11,000 pekerja pergi pada November tahun lepas.\n\n\n\n\n\n\n\n\n\u00a0\n\n\nRaiz membantu anda menyimpan & melabur \u2013 \nberjaya menyimpan 5% daripada gaji anda adalah lebih baik\n daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\u00a0\n\n\nAnda tahu?\n\n\nSyarikat terbesar (dari segi nilai pasaran) adalah Apple sebanyak USD2.4 trillion.\n\n\nMicrosoft di tempat ke-2 dengan USD2.0 trillion dan diikuti oleh Saudi Aramco (USD1.9 trillion).\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/new-performance-graph-is-now-live/", "title": "Understanding our performance graph!", "body": "Understanding our performance graph!\n\n\nWe\u2019ve been rolling out an update to your performance graph, giving you more information on the progress of your Raiz account.\n\n\n\n\n(To see\u00a0\nthis new feature\n, you\u2019ll need to update your app to the latest version)\n\n\n\n\nNew\u00a0\ngreen\u00a0\nline\n\u00a0\n\n\nThis\u00a0\nrepresents \u2018invested by you\u2019 which is all your deposits minus any withdrawals, giving you clearer a picture of how much you have saved since opening your account.\n\u00a0\n\n\n\u00a0\n\n\nThe white line\u00a0\n\u00a0\n\n\nThis represents your\u00a0\ntotal Raiz account\n\u00a0balance. The difference between the white line and the green line represents any market gains/losses you have made at that time.\n\u00a0\n\n\n\u00a0\n\n\nTable at the bottom of the graph\n\u00a0\n\n\nThis shows you the cumulative amount for a few different values that contribute to your Raiz account balance. The date for these values changes as you drag your finger along the graph, giving you a detailed breakdown of how your balance has changed over time.\n\u00a0\n\n\n\u00a0\n\n\nCheck it\u00a0\nout! Mo\nre\n\u00a0features are on the way, so stay tuned!\n\u00a0\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/not-a-confident-investor-start-small-and-learn/", "title": "Not a confident investor? Start small and learn!", "body": "Not a confident investor? Start small and learn!\n\n\nKlik sini untuk Bahasa Melayu\n\n\n\n\n\u00a0\n\n\nSo you think you are \u201cnot confident to invest\u201d? If so, you are not alone! A recent survey run by Raiz has found that some people are reluctant to start investing because they lack confidence.\n\n\nThe same survey results also show that many people also plan to start investing in 2022. So how do you balance the lack of confidence with the desire to start investing, and trusting companies such as Raiz?\n\n\n\u00a0\n\n\nStart small\n\n\nIf you start small, for an example, with just investing RM5 a week, you can start to understand how share markets work and how they are affected by real world events.\n\n\nOur automated round-ups feature allows you to start investing with just your spare change. Rather than setting how much you can afford to save a week or month, round-ups will do it in the background as you spend. This could be a great way to dip your toe into the market.\n\n\n\u00a0\n\n\nSet a goal\n\n\nSetting a goal can be extremely helpful in getting you to where you want to go. Planning a holiday in 2022? Start savings for deposit for your dream home? Having a plan on how much you need and when you want to get there can really help you feel in control of your investing journey.\n\n\nAs you become more comfortable, you can set a goal in the Raiz App. By setting a recurring investment \u2013 whether its daily, weekly or monthly \u2013 it is easy to track how you are doing and when you are expected to reach that goal.\n\n\n\n\nWhy not make a small withdrawal so that you understand the process?\n\n\nOn the Raiz App, with just 2 clicks, you can withdraw your money.\n\n\nThere are no additional fees to make a withdrawal from Raiz. By making a small withdrawal after you have made a few investments, you can begin to learn about the process involved when it comes to selling your investments and understanding how long it takes to return your money to you.\n\n\nReturning your money to you involves the selling of your investments, the transferring of the proceeds to the custodian, and then to your bank account. Hence, it may take up to 4 business days for the money to reach your bank account.\n\n\nBy going through this withdrawal process for the first time, you will begin to understand the process on how withdrawals are performed.\n\n\n\u00a0\n\n\nLearn more about how seriously we take security at Raiz\n\n\nRaiz is licensed by the Securities Commission Malaysia (License eCMSL/A0363/2020) or the SC. Investors who deal with licensed entities are protected under Malaysian securities laws. They are also protected from various risks, including fraud and money laundering, and have access to legal recourse in the event of a dispute.\n\n\nRaiz also does not keep your money. It is held in custody and safeguarded by our custodian bank, CIMB Bank, which is maintained in trust accounts.\n\n\nIn a very unlikely bankruptcy event, your money can\u2019t be touched by us as it belongs to you. The custodian will still hold them so that your money is safely returned to you.\n\n\nWe take the security of your information and your money very seriously. We store everything on a remote server with bank-level security and data encryption. Nothing is stored on your phone, so you don\u2019t have to worry if you lose it, or it gets stolen.\n\n\nWe\u2019ve made your peace of mind our absolute highest priority. Check out this \nshort video\n and feel confident in investing with Raiz.\n\n\n\u00a0\n\n\nKeep learning\n\n\nRead more blogs. Read more articles. Learn something new every day. By getting in the habit of learning about investing, little by little you will increase your confidence.\n\n\n\u00a0\n\n\nConfidence comes with time\n\n\nDon\u2019t stress if the process feels slow. It won\u2019t happen overnight, but by consistently learning and gaining real life experience with the markets through the Raiz app, your financial confidence will improve!\n\n\n\u00a0\n\n\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/only-three-things-you-need-to-know-this-week-weekly-ended-04-07-2023/", "title": "Only THREE things you need to know this week. (weekly ended 04/07/2023)", "body": "Only THREE things you need to know this week. (weekly ended 04/07/2023)\n\n\nKlik sini untuk Bahasa Melayu\n\n\nSharing some Investing and Economic insights:\n\n\nTHREE things you need to know this week;\n\n\n\n\nDo you know Bursa Malaysia was down almost -8% from January this year before yesterday\u2019s close of \n+1.4% (in just one day)\n?\n\n\n\n\n\u00a0\n\n\n\n\nInterest rate up again?\n Maybe, maybe not. Bank Negara\u2019s Monetary Policy Committee meeting is scheduled for this Wednesday & Thursday. We believe the rate will be maintained. Let\u2019s spend moderately & save more to bring down this inflation together \ud83d\ude4c\ud83c\udffd.\n\n\n\n\n\u00a0\n\n\n\n\nRinggit\n. What happened?.. The ringgit is now trading near a seven-month low. BNM acknowledged that Ringgit continues to be affected by the external factors, but our fundamentals are still strong to support Ringgit going forward. BNM will intervene in the foreign exchange market to stop currency movements that are deemed excessive. Most banks forecast the Ringgit will go up towards the year end.\n\n\n\n\n\u00a0\n\n\nRaiz is about helping you save & invest more \u2013 being \nable to save 5% of your salary every month is better\n than earning 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).\n\n\n\u00a0\n\n\nDo you know?\n\n\n1997\n\n\nIn September 1997, Ringgit was moved from a free float to a fixed exchange rate regime to combat its free-fall during the Asian Financial Crisis. Bank Negara fixed the ringgit at RM3.80 to a dollar.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/only-three-things-you-need-to-know-this-week-weekly-ended-18072023/", "title": "Only THREE things you need to know this week (weekly ended 18/07/2023)", "body": "Only THREE things you need to know this week (weekly ended 18/07/2023)\n\n\nKlik sini untuk Bahasa Melayu\n\n\nSharing some Investing and Economic insights:\n\n\nTHREE things you need to know this week;\n\n\n\u00a0\n\n\n\n\nThe Automotive Hi-Tech Valley (AHTV).\n DRB-HICOM announced its intention to develop AHTV in the Tanjung Malim Area with the aim of becoming an industry hub for the ASEAN region. DRB-HICOM and its partner in Proton, Geely, have signed an agreement to confirm the next phase of collaboration, with the focus of developing of an integrated automotive city that will give birth to a hub for a New Energy Vehicle (NEV) industry.Over the next 10 years, the AHTV is expected to attract some RM32 billion worth of investments, with 2 companies from China already exploring the possibility of investing in the project.\n\n\n\n\n\u00a0\n\n\n\n\nTesla.\n Earlier this month, Tesla announced that its models would go on sale in Malaysia end-July after its application to import vehicles are approved by the authority. In a recent meeting between Elon Musk and PM Anwar Ibrahim, it is reported that the former has agreed to make significant investments in Malaysia, including setting up its Malaysian headquarters in Cyberjaya later this year.\n\n\n\n\n\u00a0\n\n\n\n\nDigital bank.\n AEON Credit Service (M) Bhd\u2019s share price hit its highest close since May following the formation of its joint venture with Tokyo-listed AEON Financial Service Co Ltd. The companies are undertaking the digital Islamic banking business which will be done via ACS Digital Berhad (ACSD), which is preparing to be licensed as a digital Islamic bank under Islamic Financial Services Act 2013 (IFSA).Yesterday (Monday, 17 July 2023), the counter closed 3.17% higher at RM11.70, valuing the company at RM2.99 billion. ACSD is expected to commence its digital Islamic banking business by April 2024.\n\n\n\n\n\u00a0\n\n\nRaiz is about helping you save & invest more \u2013 being \nable to save 5% of your salary every month is better\n than earning 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).\n\n\n\u00a0\n\n\nDo you know?\n\n\nChina has remained Malaysia\u2019s largest trading partner for 14 consecutive years, with a total trade of RM487.13 bln recorded in 2022, 15.6% higher from the year before.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/panduan-permulaan-untuk-portfolio/", "title": "Panduan permulaan untuk portfolio", "body": "Panduan permulaan untuk portfolio\n\n\nClick here for English\n\n\n03-11-2021\n\n\nPerkataan \u201cportfolio\u201d sering digunakan. Ianya mungkin kedengaran rumit, lebih-lebih lagi jika anda belum mempunyai pengetahuan berkenaannya. Tetapi jangan risau, konsepnya mudah! Portfolio hanyalah satu terma yang digunakan untuk menggambarkan sesebuah koleksi. Sebagai contoh, bagi seorang pelukis, portfolionya adalah koleksi karyanya.\n\n\nDalam dunia kewangan, portfolio adalah kepelbagaian pelaburan yang dipegang oleh seseorang individu. Mari kita cuba fahami dan lihat bagaimana portfolio di Raiz boleh membantu anda mencapai matlamat pelaburan anda.\n\n\n\n\n\u00a0\n\n\nApa itu portfolio di Raiz?\n\n\nSesebuah portfolio di Raiz terdiri daripada satu atau lebih dana-dana unit amanah.\n\n\n\u00a0\n\n\nApa itu dana unit amanah?\n\n\nDana-dana unit amanah mengumpulkan wang daripada ramai pelabur dan melabur dalam banyak aset; atau portfolio aset-aset. Ada dana yang kebanyakannya terdiri daripada saham, ada yang kebanyakannya terdiri daripada bon, dan ada yang gabungan kedua-duanya sekali! Anda boleh menganggap satu dana itu sendiri sebagai sebuah portfolio! Setiap dana unit amanah biasanya mempunyai objektif pelaburan yang jelas seperti untuk peningkatan modal atau penjanaan pendapatan dan sebagainya.\n\n\n\u00a0\n\n\nBagaimana saya ingin mengetahui apa yang terkandung dalam setiap dana?\n\n\nAnda boleh melihat pegangan-pegangan terbesar bagi setiap dana unit amanah di dalam Fund Factsheet nya. Pegangan-pegangan terbesar tersebut juga boleh dilihat di aplikasi Raiz, di skrin Portfolio.\n\n\n\u00a0\n\n\nPerlukan saya memilih sendiri dana-dana untuk portfolio saya?\n\n\nTidak. Dengan Raiz, anda tidak perlu memilih dana-dana untuk portfolio anda kerana ianya sudah siap terbina untuk anda. Contohnya, portfolio Raiz anda terdiri daripada 80% Dana ABC dan 20% Dana XYZ.\n\n\n\u00a0\n\n\nBagaimana ingin saya tahu tahap risiko portfolio saya?\n\n\nNama untuk setiap portfolio Raiz yang terdiri daripada \u201cAggressive\u201d, \u201cModerate\u201d, dan \u201cConservative\u201d memberikan petunjuk tentang tahap risiko portfolio tersebut. Untuk Portfolio Bolehubah pula, ia dilengkapi dengan ciri skala risiko yang telah siap terbina untuk memberikan gambaran tentang tahap risiko portfolio anda.\n\n\n\u00a0\n\n\nskala risiko\n\n\nBagaimana boleh saya lihat prestasi portfolio Raiz saya?\n\n\nDi sinilah Raiz memudahkan anda untuk melihat berapa jumlah yang telah dilaburkan, baki akaun anda, dan pulangan pelaburan \u2013 kesemuanya di hujung jari sahaja.\n\n\n\n\nBolehkah saya menukar portfolio?\n\n\nYa. Anda mempunyai pilihan untuk menukar ke portfolio lain yang tidak dicadangkan kepada anda, pada bila-bila masa. Harap maklum, oleh sebab setiap portfolio mempunya tahap risiko yang berlainan, anda mungkin terdedah kepada risiko yang kurang atau lebih daripada tahap toleransi risiko anda jika anda mengubah portfolio. Tiada bayaran yang akan dikenakan untuk penukaran portfolio.\n\n\n\u00a0\n\n\nSekarang, adakah anda lebih yakin tentang kewangan anda?\n\n\nKami berharap anda lebih yakin sekarang! Kami mempunyai bahan bacaan yang lain di \nblog\n kami untuk meningkatkan keyakinan tentang kewangan anda. Kami juga berharap portfolio Raiz akan membantu anda mencapai matlamat pelaburan anda, tidak kira apa pun matlamat tersebut!\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/pasaran-saham-tolong-jangan-nakal/", "title": "Pasaran saham\u2026 tolong jangan nakal (minggu berakhir 21/12/2021)", "body": "Pasaran saham\u2026 tolong jangan nakal (minggu berakhir 21/12/2021)\n\n\nClick here for English\n\n\n\u00a0\n\n\nBerikut adalah beberapa maklumat berkenaan Pelaburan dan Ekonomi:\n\n\n\n\n\n\nTahun 2021 hampir di cermin belakang \u2013 hanya 9 hari urusniaga sahaja lagi!\n\n\n\n\n\n\nSaham Amerika Syarikat menyusut dengan ketara semalam, dengan indeks Dow Jones ditutup dengan penurunan lebih 430 mata kerana kebimbangan pasaran terhadap penyebaran varian Omicron yang terus meningkat.\n\n\n\nIndeks Dow Jones menamatkan perdagangan dengan kerugian kira-kira 1.2% atau 433 mata.\n\n\nPenurunan ini diikuti penurunan 1.5% pada hari Jumaat lepas dan juga merupakan penurunan ketiganya yang berturut-turut.\n\n\nSaham Tesla merosot 3.5% semalam, ditutup pada AS$ 899.94. Saham itu, yang berada di kemuncak pada 4 November, turun 21% pada bulan Disember \u2013 bulan terburuk sejak wabak itu melanda pada bulan Mac 2020. Nilai syarikat itu yang jauh melebihi tanda trilion dolar pada November lalu, kini bernilai pasaran kira-kira AS$ 904 bilion.\n\n\n\n\n\n\n\n\n\n\nBursa Malaysia berakhir lebih rendah semalam sejajar dengan sentimen pasaran serantau yang lemah \u2013 The Star.\n\n\n\nIndeks Komposit FBM KL merosot 8.1 mata atau 0.54% untuk berakhir pada 1,493.9. Penjualan berterusan saham-saham \u201cheavyweight\u201d yang diketuai oleh Press Metal dan TNB sahaja menyumbang kepada kejatuhan 4.3 mata.\n\n\nIndeks pasaran serantau utama juga rata-rata ditutup lebih rendah kerana sebab yang sama \u2013 Omicron merebak. Ia telah mencetuskan kebimbangan yang sekatan baru ke atas perniagaan dan perjalanan mungkin memburukkan lagi gangguan rantaian bekalan dan meningkatkan inflasi.\n\n\nNegara Belanda telahpun mengumumkan bahawa ia akan memasuki fasa \u201clockdown\u201d Krismas.\n\n\n\n\n\n\n\n\n\n\nBank-bank telahpun mengumumkan tawaran bantuan kewangan kepada pelanggan yang terjejas oleh banjir.\n\n\n\n\n\n\nLembaga Tabung Haji telah mengumumkan perlantikan bekas pengarah urusan Khazanah Nasional, Tan Sri Azman Mokhtar sebagai Pengerusinya yang baru berkuatkuasa Isnin, 20 Disember.\n\n\n\n\n\u00a0\n\n\nFakta (menghiburkan) \n\n\n92% netizen menggunakan emoji.\n\nEmoji paling banyak digunakan dalam tahun 2021 ialah\u2026 emoji ketawa-menangis \u2013 juga dikedudukan pertama sejak 2017.\n\nMengekori rapat di tempat kedua ialah\u2026 hati merah.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/patut-ke-anda-makan-apple/", "title": "Patut ke anda \u201cmakan\u201d Apple? (minggu berakhir 06/06/2023)", "body": "Patut ke anda \u201cmakan\u201d Apple? (minggu berakhir 06/06/2023)\n\n\nClick here for English\n\n\nKami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi: \n\n\nSaham Apple mencecah harga tertinggi dalam sejarah 43 tahunnya semalam menjelang rancangannya untuk melancarkan \nheadset\n realiti tambahan (\naugmented reality\n) yang dipanggil Vision Pro, pelancaran produk baharu yang paling besar sejak pengenalan iPhone.\n\n\n\n\nSahamnya mencecah USD 184.36 dalam dagangan pagi, lebih tinggi daripada paras tertinggi sepanjang masa sebelumnya iaitu USD 182.94 yang dicapai pada Januari 2022.\n\n\nVision Pro akan membolehkan pengguna berinteraksi dengan kandungan digital dalam dunia realiti dan akan dijual pada harga USD 3,499.\n\n\n\n\n\u00a0\n\n\n\n\nIndeks saham AS S&P 500 pada hari Jumaat lepas ditutup pada tahap tertinggi dalam tempoh lebih 9 bulan selepas pegawai bank pusat (Fed) menyuarakan hasrat untuk berhenti seketika dalam menaikkan kadar faedah dan juga selepas siling hutang AS dinaikkan.\n\n\n\n\n\u00a0\n\n\n\n\nMata wang kripto jatuh semalam selepas pihak pengawal selia sekuriti AS menyaman bursa kripto Binance.\n\n\n\n\n\n\nBinance adalah bursa kripto terbesar dari segi jumlah dagangan\n\n\n\n\n\u00a0\n\n\n\n\nDi Malaysia, lebih banyak syarikat (Korporat Malaysia) melaporkan pendapatan di bawah jangkaan bagi tempoh Jan-Mac 2023 berbanding suku sebelumnya, mencerminkan kelemahan umum dalam ekonomi.\n\n\n\n\n\u00a0\n\n\nRaiz membantu anda menyimpan & melabur. \nBerjaya menyimpan 5% daripada gaji anda setiap bulan adalah lebih baik\n daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\u00a0\n\n\nAnda tahu?\n\n\nUSD 1.8 JUTA\n\n\nItulah nilai sekarang untuk pelaburan USD1,000 anda dalam Apple semasa IPOnya pada tahun 1980.\n\n\nDengan Raiz, anda juga boleh melabur dalam saham Apple! Hanya tetapkan portfolio anda kepada \nPortfolio Bolehubah\n dan tambah Dana United-i Global Balanced (Shariah). Dana ini mempunyai saham Apple sebagai 5 pegangan terbanyaknya*.\n\n\n*untuk Mei 2023\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/patut-ke-saya-keluarkan-semua-duit-saya-di-raiz-pelaburan-dari-pov-kami/", "title": "\u201cPatut ke saya keluarkan semua duit saya di Raiz?\u201d Pelaburan \u2013 dari POV kami \ud83d\udc40", "body": "\u201cPatut ke saya keluarkan semua duit saya di Raiz?\u201d Pelaburan \u2013 dari POV kami \ud83d\udc40\n\n\nClick here for English\n\n\nSeorang \nRaizer\n menelefon hari ini, dan bertanya \u2013 dengan sopan \u2013 \u201cSaya telah membuat deposit RM1,000 pada awal tahun ini. Baki akaun saya kini berjumlah RM939, telah turun sebanyak 6.1%. \nKenapa? Apa patut saya buat? Patut ke saya keluarkan semua wang saya sekarang?\n Ini kali pertama saya melabur menggunakan wang tunai saya. Harap dapat bantu\u201d.\n\n\n\n\n\u00a0\n\n\nMengapa ia lebih rendah\n?\n\n\nDalam pelaburan, ada pasang surutnya. Apabila anda melabur, anda sebenarnya sedang membeli unit-unit saham pada harga yang tertentu.\n\n\nHarga naik dan turun mengikut pergerakan pasaran saham.\n\n\n\u00a0\n\n\nSekarang mari kita lihat prestasi pasa\nran saham\n.\n\n\nPasaran AS (indeks S&P 500) turun \n21.1%\n sejak Januari tahun ini.\n\n\nPasaran kita pula (FBM KLCI) turun \n8.7%\n setakat tahun ini.\n\n\nSeperti yang anda lihat, pelaburan pelanggan turun \n6.1%\n \u2014 ini secara teknikalnya masih lebih baik daripada prestasi pasaran. Kenapa? Kerana dengan Raiz, anda tidak melabur dalam satu saham. Anda melabur dalam portfolio saham di pelbagai pasaran di seluruh dunia. Jadi, apabila sesebuah saham turun, akan ada yang naik, maka ianya akan jadi seimbang. Inilah kepentingan \nkepelbagaian \n(diversification)\n.\n\n\n\u00a0\n\n\nJadi \napakah yang perlu dilakukan oleh pelanggan tersebut\n? \nPatutkah dia mengeluarkan semua wangnya\n? \n\n\nApa yang beliau lihat hanyalah kerugian di atas kertas \u2013 ia tidak akan direalisasikan sehingga beliau bertindak. Jika anda membuat pengeluaran, anda sebenarnya menjual semua unit anda. Jika anda menjual pada harga yang lebih rendah daripada yang anda beli, anda akan mengalami kerugian. Jika anda menjualnya lebih tinggi, anda mendapat keuntungan. Beli rendah, jual tinggi. Oleh itu, daripada memberitahunya untuk membuat pengeluaran, kami menasihati beliau untuk mengambil peluang ke atas harga semasa yang sedang rendah (lebih murah). Beli lebih banyak unit supaya kos purata seunit menjadi lebih rendah jadi apabila pasaran melantun semula, anda akan kembali ke zon hijau dengan lebih cepat. Ini sebenarnya adalah \npurata kos ringgit\n.\n\n\nIngat, setiap kejatuhan pasaran pada masa lalu telah berakhir lebih tinggi. Kejatuhan pasaran adalah satu peluang. Jangan terbawa-bawa dengan emosi.\n\n\nRaiz direka untuk pelabur baru. Kami membantu membina portfolio pelaburan anda, membolehkan anda melabur menggunakan sejumlah wang yang kecil, dan kami juga mengautomasikan proses pelaburan anda supaya anda boleh melabur dengan konsisten. Ini semua adalah kunci untuk mempunyai pulangan pelaburan yang lebih sihat dalam jangka masa panjang.\n\n\nSelamat melabur!\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/pay-your-zakat-fitrah-with-raiz/", "title": "2% Bonus with Zakat Fitrah 2023 \u2013 only with Raiz!", "body": "2% Bonus with Zakat Fitrah 2023 \u2013 only with Raiz!\n\n\nKlik sini untuk Bahasa Melayu\n\n\n\u00a0\n\n\nPay your Zakat FITRAH with Raiz!\n\n\nWhen you pay your Zakat with Raiz, you will receive a \n1%\n 2% cash bonus \nin your Raiz account. Also \nfor all other types of zakat!\n\n\nPayments will be deducted straight from your debit card linked to your Raiz account set as Funding Account.\n\n\n\n\nHow do I pay Zakat Fitrah via Raiz?\n\n\nIt\u2019s simple!\n\n\n\n\nOpen your Raiz app. Go to the\u00a0\nRaiz Rewards\n\u00a0section.\n\n\nLook for \u201c\nZakat\n\u201d and click the \u201c\nPay Zakat Here\n\u201d button.\n\n\nType in the amount you would like to pay, select \u201c\nZakat Fitrah\n\u201d as the type of Zakat and set the year as \n2023\n.\n\n\nLastly, click the \u201c\nPay\n\u201d button (make sure you have linked your Funding Account!).\n\n\n\n\n\u00a0\n\n\n\n\n\u00a0\n\n\nTo view the status of your Zakat payment, go to the Zakat Screen and click on \u201c\nView Past Payment\n\u201d. Receipts will be sent to you by PPZ-MAIWP.\n\n\nFor every successful payment, you will get the 2% cash bonus invested back in your Raiz account as soon as \nthe next working day\n!\n\n\nYou invest in your \nAkhirat\n, we invest in your \nDunia \n\ud83d\ude42\n\n\nLast but not least, \nSelamat Berpuasa\n and \nSelamat Menyambut Bulan Ramadan\n from us in Raiz!\n\n\n\u00a0\n\n\nStand a chance to win 1,000x KFC vouchers when you pay your Zakat Fitrah through Raiz! \nClick \nhere\n to find out more!\n\n\n\u00a0\n\n\nClick \nhere\n for frequently asked questions and also visit \nwww.raiz.com.my\n for more information about Raiz.\n\n\n\u00a0\n\n\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/pay-your-zakat-via-raiz-rewards-and-get-1-cash-bonus-in-your-raiz-account/", "title": "Pay your Zakat via Raiz and get 1% CASH BONUS!", "body": "Pay your Zakat via Raiz and get 1% CASH BONUS!\n\n\nKlik sini untuk Bahasa Melayu\n\n\n\u00a0\n\n\nPay your Zakat via Raiz Rewards and get 1% CASH BONUS in your Raiz account!\n\n\n\u00a0\n\n\nYes, you heard it right! When you pay your Zakat obligation via Raiz, you will receive a \n1% cash bonus\n \nof your Zakat amount invested back into your Raiz account.\n\n\nYou invest in your \nAkhirat\n, we invest in your \nDunia\n.\n\n\n\n\n\u00a0\n\n\nHow do I pay Zakat via Raiz?\n\n\nIt\u2019s simple!\n\n\n\n\nOpen your Raiz app. Go to the \nRaiz Rewards\n section.\n\n\nLook for \u201c\nZakat\n\u201d. Then click the \u201c\nPay Zakat Here\n\u201d button.\n\n\nType in the amount you would like to pay and select the type of Zakat and year.\n\n\nLastly, click the \u201c\nPay\n\u201d button (make sure you have linked your Funding Account!).\n\n\n\n\nTo view the status of your Zakat payment, go to the Zakat Screen and click on \u201c\nView Past Payment\n\u201d.\n\n\n\u00a0\n\n\nWho will receive my Zakat payment?\n\n\nWe have partnered up with Pusat Pungutan Zakat Majlis Agama Islam Wilayah Persekutuan (PPZ-MAIWP). All your Zakat payments will be channeled to PPZ-MAIWP to be distributed to the rightful beneficiaries i.e. the \nasnaf\n.\n\n\n\u00a0\n\n\nWhen will I get the 1% cash bonus in my Raiz account?\n\n\nFor every successful payment, you will get the cash bonus invested back in your Raiz account as soon as \nthe next working day\n.\n\n\n\u00a0\n\n\nReceipt..?\n\n\nYou will receive your receipt (within 5 working days) from PPZ-MAIWP via SMS. You can also get it from \nPPZ\u2019s zakat2u\n portal.\n\n\n\u00a0\n\n\nDoes the 1% cash bonus affect my Zakat amount in any way?\n\n\nNo\n. To give you an example, if you make a Zakat payment of RM100, the whole amount (RM100) will be channeled to PPZ-MAIWP. The 1% cash bonus you receive will not affect your Zakat amount.\n\n\n\u00a0\n\n\nHow much Zakat should I pay?\n\n\nIt depends on several factors such as your earnings, expenses, current liabilities, etc. We strongly suggest you refer to this \nZakat calculator\n.\n\n\n\u00a0\n\n\nClick \nhere\n for frequently asked questions and also visit \nwww.raiz.com.my\n for more information about Raiz.\n\n\n\u00a0\n\n\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/pelaburan-anda-di-sebalik-tabir/", "title": "Pelaburan Anda \u2013 Di Sebalik Tabir", "body": "Pelaburan Anda \u2013 Di Sebalik Tabir\n\n\nClick here for English\n\n\n\u00a0\n\n\nPernah tertanya-tanya apa yang terjadi kepada duit anda setelah debit kad anda dicaj? Jom kita tengok apa terjadi di sebalik tabir!\n\n\n\n\nSEBELUM ITU, biar kami jelaskan bahawa \nanda hanya boleh melabur SELEPAS akaun anda telah disahkan.\n Untuk akaun anda disahkan, pastikan;\n\n\n\n\nGambar kad pengenalan adalah jelas; dan\n\n\nNombor bank akaun anda betul (dan ianya adalah akaun anda)\n\n\n\n\nJika tidak, transaksi anda akan tertera sebagai \u201cBelum selesai\u201d.\n\n\nSelepas akaun anda disahkan dan anda telah membuat deposit pertama;\n\n\n1.\n Kad debit anda dicaj. \n\n\nPada ketika ini, duit anda sudah ditolak, tetapi ianya masih dipegang oleh bank anda. Kami hanya akan menerima duit anda pada keesokan hari bekerja. Di dalam aplikasi Raiz anda, transaksi ini akan tertera sebagai \u201cSedang diproses\u201d dalam skrin \u201cLepas\u201d.\n\n\n2.\n Pada pagi hari bekerja berikutnya, bank anda akan menghantar duit anda kepada Penjaga atau \u201cCustodian\u201d.\n\n\n\u201cCustodian\u201d bertanggungjawab untuk menjaga duit dan aset anda.\n\n\n3.\n Raiz akan untuk membeli unit-unit amanah saham untuk anda.\n\n\nDi dalam aplikasi Raiz anda, transaksi ini masih akan tertera sebagai \u201cSedang diproses\u201d dalam skrin \u201cLepas\u201d.\n\n\n4.\n Kami menerima pengesahan pembelian unit-unit anda\n\n\nKami akan menerima pengesahan ini selewat-lewatnya pada hari esoknya. Biasanya, kami akan menerima pengesahan ini pada waktu petang hari yang sama. Sebaik sahaja kami mengesahkan pembelian tersebut di dalam sistem kami, status \u201cSedang diproses\u201d pada transaksi anda akan hilang. Ini bermakna pelaburan anda sudah berjaya dan akan dikemaskini di \u201cNilai Akaun anda\u201d pada \u201chome screen\u201d.\n\n\n\u00a0\n\n\nAnda masih mempunyai soalan berkenaan pelaburan anda? Hubungi kami di \n[email\u00a0protected]\n.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di \nlaman \nweb \nini \nadalah \nnasihat \numum \nsahaja\n. \nIni \nbermakna \nia \ntidak \nmempertimbangkan \nobjektif \npelaburan\n, \nkeadaan \nkewangan \natau \nkeperluan \npelaburan \nseseorang\n.\n\n\nSekiranya\u00a0\nanda\u00a0\nseorang\u00a0\npelabur\n,\u00a0\nanda\u00a0\nharus\u00a0\nberjumpa\u00a0\ndengan\u00a0\npenasihat\u00a0\nberlesen\u00a0\nanda\u00a0\nsebelum \nmenggunakan a\npa-apa \nmaklumat \nyang \nterdapat \ndalam \nartikel \nini \nuntuk \nmemahami \nsepenuhnya \nmanfaat \ndan \nrisiko \nyang \nberkaitan \ndengan\u00a0\nproduk\u00a0\nRaiz.\n\u00a0\n\n\nMaklumat di \nlaman \nweb \nini \nadalah \nsulit\n. \nIa \ntidak \nboleh \nditerbitkan \nsemula\n, \ndiedarkan \natau \ndidedahkan \nkepada \norang lain. Maklumat \ntersebut \nberdasarkan \nandaian \natau \nkeadaan \npasaran \nyang \nberubah \ntanpa \nn\notis\n. \nIni \nakan \nmempengaruhi \nketepatan\u00a0\nmaklumat\n.\n\u00a0\n\n\nDalam\u00a0\napa\u00a0\njua\u00a0\nkeadaan\u00a0\nmaklumat\u00a0\nyang\u00a0\nakan\u00a0\ndigunakan\u00a0\noleh,\u00a0\natau\u00a0\ndisampaikan\u00a0\nkepada\n, \nseseorang \nuntuk \ntujuan \nmembuat \nkeputusan \nmengenai \npelaburan \ndi Raiz, p\nrestasi \npulangan \nmasa \nlalu \nproduk \nRaiz \ntidak \nboleh \ndi\njadikan \npanduan \ns\nemasa \nmembuat \nkeputusan \nuntuk \nmelabur \ndalam \nRaiz dan \nbukan \nperamal \nprestasi \nmasa \ndepan \nyang \nbaik\n.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/pelaburan-netflix-di-korea-telah-membawa-kesan-ekonomi-bernilai-us4-7-bilion/", "title": "Pelaburan Netflix di Korea telah membawa kesan ekonomi bernilai US$4.7 bilion (minggu berakhir 05/10/2021)", "body": "Pelaburan Netflix di Korea telah membawa kesan ekonomi bernilai US$4.7 bilion (minggu berakhir 05/10/2021)\n\n\n\u00a0\n\n\nBerikut adalah beberapa maklumat berkenaan Pelaburan dan Ekonomi:\n\n\n\n\n\n\nMinggu ini tumpuan adalah kepada Amerika Syarikat di mana hasil bon (\u201cbond yield\u201d) meningkat (jadi harga bon jatuh) dan pasaran ekuiti tidak menunjukkan prestasi yang baik. Hala tuju pasaran ekuiti dan bon AS tersebut menyebabkan pasaran global juga jatuh.\n\n\n\n\n\n\nMalaysia mencatatkan 8,075 kes baru Covid-19 semalam \u2013 hari kedua berturut-turut kes harian berada di bawah 10,000 \u2013 The Edge.\n\n\n\nSehingga Ahad (3 Okt), lebih daripada 20 juta individu atau 87.6% daripada penduduk dewasa negara ini (atau 63.1% daripada jumlah penduduk keseluruhan) telah divaksin sepenuhnya.\n\n\n\n\n\n\n\n\n\n\nNetflix telah banyak melabur dalam menghasilkan kandungan Korea dan pengeluaran asli terkini syarikat itu, \u201cSquid Game\u201d, terbukti berhasil. \u201cSquid Game\u201d telah menjadi drama Korea pertama yang menduduki tempat No. 1 di Netflix Amerika Syarikat \u2013 Forbes.\n\n\n\nNetflix berkata pelaburan di Korea itu sejak lima tahun lalu telah membawa kepada kesan ekonomi bernilai 5.6 trilion won (US$4.7 bilion) di Korea Selatan, lapor Agensi Berita Yonhap.\n\n\n\u201cSquid Game\u201d begitu popular sehingga penyedia internet Korea Selatan menyaman Netflix untuk kos yang ditanggung daripada peningkatan trafik internet dan kerja penyelenggaraan.\n\n\n\n\n\n\n\n\n\n\nFacebook, Instagram dan WhatsApp mengalami gangguan pada tengah hari Isnin \u2013 CNN.\n\n\n\nSaham Facebook turun lebih daripada 5% dalam dagangan tengah hari Isnin, meletakkannya hampir pada hari dagangan terburuk dalam hampir setahun.\n\n\n\n\n\n\n\n\n\n\nPengasas Amazon Jeff Bezos mengambil bahagian dalam pelaburan US$87 juta Series B untuk syarikat permulaan (\u201cstart-up\u201d) Indonesia, Ula, menandakan pelaburan pertamanya dalam sektor e-dagang Asia Tenggara.\n\n\n\nUla mengendalikan pasar e-dagang borong untuk membantu peruncit kecil menguruskan rantaian bekalan, inventori dan modal kerja dengan lebih cekap.\n\n\n\n\n\n\n\n\n\u00a0\n\n\nAnda tahu?\n\n\nHampir 15 tahun yang lalu, pada tarikh ini, Google membeli YouTube dengan jumlah besar sebanyak US$1.65 bilion.\n\nKini, pada tahun 2020 sahaja, perkhidmatan perkongsian video itu meraih pendapatan hampir US$20 bilion.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/pelbagaikan-portfolio-anda-dengan-emas/", "title": "Pelbagaikan lagi portfolio anda dengan Emas!", "body": "Pelbagaikan lagi portfolio anda dengan Emas!\nClick here for English\n\n\n10-03-2022 \n\n\nBiasanya, emas akan mengatasi nilai aset pelaburan lain \u2014 terutamanya ketika kejatuhan pasaran.\n\n\n\u00a0\n\n\n\n\n\n\nPertumbuhan sejak awal tahun hingga kini \n\n\n(1 Jan 2022 \u2013 8 Mac 2022)\n\n\n\u00a0\n\n\nRaiz kini memberi anda pilihan untuk mempelbagaikan lagi portfolio anda dengan pelaburan \nEMAS\n \nmelalui \nDana Affin Hwang Shariah Gold Tracker\n yang tersedia dalam Portfolio Bolehubah!\n\n\n\u00a0\n\n\n\n\n\u00a0\n\n\nUntuk menambah dana Emas ini ke dalam Portfolio Bolehubah anda;\n\n\nBuka aplikasi Raiz > \nLabur\n > \nPortfolio \n> ikon Portfolio Bolehubah (kanan sekali) > \nKemas Kini Portfolio.\n\n\nAnda boleh memperuntukkan sehingga 30%.\n\n\nMiliki lebih kawalan sendiri dengan Portfolio Bolehubah. Klik \nsini\n\u00a0untuk info lanjut dan \nsini\n untuk menonton video cara-cara untuk mengubah portfolio anda ke Portfolio Bolehubah.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/pendidikan-pelaburan-hari-1-fahami-asas-pelaburan/", "title": "Fahami Asas Pelaburan", "body": "Fahami Asas Pelaburan\n\n\n\u00a0\n\n\nDi mana saya boleh letak wang saya?\n\n\nSelamat datang ke hari pertama Pendidikan Pelaburan! Untuk permulaan, kita akan belajar beberapa jenis pelaburan secara asas \u2013 \nmengetahui pilihan tempat yang sesuai untuk anda letakkan wang anda\n.\n\n\n\n\n\u00a0\n\n\nApakah itu pelaburan?\n\n\nDalam kehidupan seharian, kita selalu terfikir pelaburan sebagai menggunakan masa atau usaha untuk sesuatu yang akan memberikan keuntungan dalam jangka masa panjang, seperti pendidikan. Dari perspektif kewangan, kita lebih fokus tentang pelaburan wang, dengan jangkaan untuk menjana keuntungan dalam jangka masa panjang dari pelaburan itu.\n\n\nKeuntungan yang dihasilkan dari pelaburan dikenali sebagai pulangan pelaburan.\n\n\nPulangan Pelaburan = (Untung Bersih / Kos Pelaburan) x 100\n\n\n\u00a0\n\n\nPelaburan untuk pemerkasaan\n\n\nManfaat jangka panjang pelaburan ialah membolehkan anda untuk mencapai gaya hidup yang anda inginkan. Bagi kebanyakan pelabur, memperbanyakkan simpanan dan pelaburan bukan untuk menjadi cepat kaya atau mempunyai jet peribadi, tetapi adalah untuk mengukuhkan kewangan dan kebebasan untuk memilih gaya hidup yang mereka inginkan.\n\n\n\u00a0\n\n\nPerkataan Hari Ini: \u201cCompunding Return\u201d atau Faedah Berganda\n\n\nProses yang berlaku apabila anda membiarkan keuntungan dari pelaburan asal anda dilaburkan semula, sehingga anda memperoleh keuntungan atas keuntungan anda. Ini menyebabkan pelaburan meningkat lebih tinggi, dihasilkan dari keuntungan yang diperoleh dari pelaburan asal dan pulangan terkumpulnya.\n\n\n\u00a0\n\n\nJenis-jenis pelaburan:\n\n\nSaham\n\n\nSalah satu jenis pelaburan yang terkenal ialah saham. Mudahnya, apabila anda membeli sesuatu saham, anda memiliki hak milik kecil di sebuah syarikat.\n\n\nAnda juga mungkin pernah dengar saham dipanggil sebagai ekuiti.\n\n\nOleh kerana anda memiliki sebahagian daripada syarikat, anda juga berhak mendapat sebahagian daripada pendapatan syarikat tersebut. Syarikat yang membuat keuntungan, membolehkan ia membayar dividen. Ini merupakan cara untuk mengagihkan pendapatan syarikat kepada pemegang sahamnya. Biasanya syarikat memberi sebahagian besar pendapatan mereka dalam bentuk dividen.\n\n\nAnda boleh membeli saham melalui bursa saham, yang pada dasarnya merupakan rumah lelong besar, di mana pembeli dan penjual menyenaraikan harga jual beli yang diminta, dan apabila dipersetujui, mereka memindahkan pemilikan saham. Di Malaysia, inilah Bursa Malaysia.\n\n\n\u00a0\n\n\nUnit Amanah\n\n\nUnit Amanah adalah satu bentuk skim pelaburan terkumpul yang membolehkan pelabur yang mempunyai objektif pelaburan yang sama, mengumpulkan wang mereka bBersama-sama untuk dilaburkan.\n\n\nPengurus dana kemudiannya melaburkan wang yang dikumpulkan dalam portfolio yang merangkumi pelbagai kelas aset seperti tunai, bon, saham, hartanah dan komoditi.\n\n\nPemilikan dana dibahagikan kepada unit. Apabila nilai dana meningkat atau menurun, nilai setiap unit juga meningkat atau menurun. Jumlah unit yang dipegang bergantung pada jumlah wang yang dilaburkan dan harga pembelian seunit ketika pelaburan.\n\n\nUnit Amanah sangat penting bagi ahli Raiz, kerana inilah yang membentuk portfolio kita.\n\n\nSalah satu kelebihan melabur dalam dana unit amanah ialah dengan kos rendah, mereka memberi anda pendedahan kepada banyak syarikat yang berbeza, mempelbagaikan pelaburan anda dan diuruskan oleh pengurus dana bertauliah. Kami akan membincangkan lebih lanjut mengenai kepentingan kepelbagaian dalam siri ini kemudian.\n\n\n\u00a0\n\n\nWang Tunai\n\n\nWang tunai adalah yang anda simpan dalam akaun bank anda. Ia berisiko sangat rendah tetapi pulanagnnya juga sangat rendah dari segi pelaburan.\n\n\nApabila kita bercakap mengenai wang tunai sebagai pelaburan, kita biasa tentang akaun Deposit Tetap atau \u201cFixed Deposit\u201d. Ia adalah akaun bank di mana anda tidak dapat sentuh wang tunai anda selama beberapa lama dan anda akan menerima kadar keuntungan yang ditetapkan.\n\n\nKelebihan menyimpan wang secara tunai adalah anda pasti akan mendapatkan wang anda kembali apabila anda memerlukannya. Namun, ia datang dengan kos pulangan pelaburan yang sangat rendah \u2013 mungkin lebih rendah daripada kenaikan kos sara hidup yang mencabar pada masa kini.\n\n\n\u00a0\n\n\nHartanah\n\n\nTidak seperti pelaburan lain sebelum ini, hartanah adalah objek fizikal yang dapat anda lihat dan sentuh. Permintaan jual dan beli hartanah adalah punca utama turun naik harganya. Terdapat banyak faktor yang mempengaruhi permintaan hartanah, tetapi lokasi adalah antara faktor utama.\n\n\nPelaburan hartanah sudah difahami ramai. Di Malaysia dan kebanyakan kawasan di dunia, terdapat kepercayaan bahawa harga hartanah selamanya meningkat. Namun, ini mungkin tidak benar 100% kerana tiada hartanah yang dijual beli setiap hari dan perkiraannya harganya juga kurang jelas.\n\n\nKekurangan pelaburan hartanah ialah kos masuk dan keluar yang tinggi, dan kemungkinan anda akan rugi dalam jangka pendek dan sederhana jika pembayaran faedah anda lebih banyak daripada pendapatan yang anda peroleh dari penyewaan. Hartanah juga merupakan aset yang sukar dicairkan, bermaksud untuk menjual sesuatu hartanah mengambil masa yang agak lama.\n\n\n\u00a0\n\n\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/peraturan-503020/", "title": "Peraturan 50/30/20", "body": "Peraturan 50/30/20\n\n\nClick here for English\n\n\nPeraturan 50/30/20\n adalah panduan untuk merancang perbelanjaan anda agar dapat bersiap-sedia menghadapi keadaan masa depan yang tidak boleh dijangka.\n\n\n\n\nPerbelanjaan anda boleh dikelaskan kepada tiga:\n\n\n\n\nKeperluan (50%)\n\n\nKehendak (30%)\n\n\nSimpanan & Pelaburan (20%)\n\n\n\n\n\u00a0\n\n\nKeperluan Anda\n\n\n50% daripada pendapatan akan dibelanjakan untuk keperluan. Ini adalah perbelanjaan yang penting dan tidak dapat dihindari seperti rumah, makanan, pengangkutan, ubat-ubatan, dan bil utiliti. Apa sahaja yang diperlukan untuk kelangsungan hidup akan dikelaskan di bawah kategori ini.\n\n\n\u00a0\n\n\nKemahuan Anda\n\n\n30% dibelanjakan untuk kehendak anda. Membezakan antara keperluan dan kehendak tidaklah semudah itu. Kehendak adalah apa-apa sahaja yang \u201clebih\u201d dan biasanya melibatkan sesuatu yang anda lakukan bukan untuk kelangsungan hidup. Contohnya membeli-belah, melancong, hobi dan keahlian gimnasium.\n\n\n\u00a0\n\n\nPelaburan Anda\n\n\nSelebihnya (20%) adalah untuk simpanan (termasuk caruman persaraan anda), pelaburan dan untuk membayar hutang. Tujuannya adalah untuk mewujudkan kusyen keselamatan kewangan yang lebih selesa pada masa hadapan.\n\n\nDengan Raiz, anda boleh membuat auto-labur dengan set pelaburan berkala. Dari skrin utama, klik Invest> Recurring. Hanya pilih jumlah dan frekuensi (setiap hari, mingguan atau bulanan).\n\n\nPeratusan pada peraturan 50/30/20 tidak tetap \u2013 ia hanya sebagai panduan umum untuk membantu membuat anggaran belanjawan anda. Anda boleh menetapkan peratusan yang sesuai dengan keperluan sendiri untuk mencapai matlamat kewangan anda!\n\n\n\u00a0\n\n\nAnda tahu?..\n\n\nAnda sebenarnya menyimpan dan melabur sekitar 23% (11% oleh anda + 12% oleh majikan) daripada gaji anda, setiap bulan, dengan KWSP.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/performance-of-raiz-portfolio-holdings-as-at-30-november-2022/", "title": "Performance of Raiz Portfolio Holdings (as at 30 November 2022)", "body": "Performance of Raiz Portfolio Holdings (as at 30 November 2022)\nKlik sini untuk Bahasa Melayu\n\n\n27-12-2022\n\n\nPast 12-month change in the value for Raiz portfolio holdings\n\n\n(30/11/2021 \u2013 30/11/2022)\n\n\n\n\n\n\nSource\n: ASNB Fund Fact Sheet, Aberdeen Fund Fact Sheet, UOB Asset Management Fund Fact Sheet, Affin Hwang Asset Management Fund Fact Sheet\n\n\n\n\n\n\nKeep in mind that past performance is not a good indicator of future performance.\n\n\nThe Raiz philosophy is about saving and investing, even with small amounts, regularly so you can keep the momentum going.\n\n\nBeing 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.\n\n\n\u00a0\n\n\nAn excerpt from a book\u2026\n\n\n\u201cIf you\u2019re a millionaire but you spend more than you earn each month, then you\u2019re on a bad trajectory.\n\n\nConversely, if you\u2019re broke, but you save a little bit every month, then you\u2019re on the path toward financial freedom \u2013 even if you\u2019re moving slower than you\u2019d like.\u201d\n\n\n\u2013 Atomic Habits, by James Clear\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/performance-of-raiz-portfolio-holdings-as-at-30-september-2022/", "title": "Performance of Raiz Portfolio Holdings (as at 30 September 2022)", "body": "Performance of Raiz Portfolio Holdings (as at 30 September 2022)\nKlik sini untuk Bahasa Melayu\n\n\n25-10-2022\n\n\nPast 12-month change in the value for Raiz portfolio holdings\n\n\n(30/09/2021 \u2013 30/09/2022)\n\n\nSource\n: ASNB Fund Fact Sheet, Aberdeen Fund Fact Sheet, UOB Asset Management Fund Fact Sheet, Affin Hwang Asset Management Fund Fact Sheet\n\n\n\n\n\n\nKeep in mind that past performance is not a good indicator of future performance.\n\n\nThe Raiz philosophy is about saving and investing, even with small amounts, regularly so you can keep the momentum going.\n\n\nBeing 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.\n\n\n\u00a0\n\n\nDo you Know?\n\n\n47% of Malaysians have difficulty to raise RM1,000 as emergency funds.*\n\n\nOne of the easiest ways to get into the habit of saving is by automating it!\n\n\nYou can easily automate regular investments using the Raiz app. From the Home screen, click on Invest > Recurring. Simply choose your investment amount and select a frequency.\n\n\nYou can also set an optional Savings Goal if you are saving towards something specific and want help tracking your progress.\n\n\n*Source: Bank Negara Malaysia\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/performance-of-raiz-portfolio-holdings-as-at-31-december-2022/", "title": "Performance of Raiz Portfolio Holdings (as at 31 December 2022)", "body": "Performance of Raiz Portfolio Holdings (as at 31 December 2022)\nKlik sini untuk Bahasa Melayu\n\n\n31-01-2023\n\n\nPast 12-month change in the value for Raiz portfolio holdings\n\n\n(31/12/2021 \u2013 31/12/2022)\n\n\n\n\n\n\nSource\n: ASNB Fund Fact Sheet, Aberdeen Fund Fact Sheet, UOB Asset Management Fund Fact Sheet, Affin Hwang Asset Management Fund Fact Sheet\n\n\n\n\n\n\nKeep in mind that past performance is not a good indicator of future performance.\n\n\nThe Raiz philosophy is about saving and investing, even with small amounts, regularly so you can keep the momentum going.\n\n\nBeing 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.\n\n\n\u00a0\n\n\nDo you know?\n\n\nAccording to Ringgit Plus Malaysian Financial Literacy Survey 2022, 51% of Malaysians have not started investing.\n\n\nCongratulations! You\u2019re already one step ahead of a lot of people. What\u2019s next? Be consistent with your investment. Save & invest small amounts regularly, no matter how the market conditions are!\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/performance-of-raiz-portfolio-holdings-as-at-31-october-2022/", "title": "Performance of Raiz Portfolio Holdings (as at 31 October 2022)", "body": "Performance of Raiz Portfolio Holdings (as at 31 October 2022)\nKlik sini untuk Bahasa Melayu\n\n\n29-11-2022\n\n\nPast 12-month change in the value for Raiz portfolio holdings\n\n\n(31/10/2021 \u2013 31/10/2022)\n\n\n\n\n\n\nSource\n: ASNB Fund Fact Sheet, Aberdeen Fund Fact Sheet, UOB Asset Management Fund Fact Sheet, Affin Hwang Asset Management Fund Fact Sheet\n\n\n\n\n\n\nKeep in mind that past performance is not a good indicator of future performance.\n\n\nThe Raiz philosophy is about saving and investing, even with small amounts, regularly so you can keep the momentum going.\n\n\nBeing 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.\n\n\n\u00a0\n\n\nDo you Know?\n\n\nIf you were to invest RM1,000 every year for 30 years, assuming average returns of 7% p.a., your investment could grow to be worth RM94,461\u2013 all thanks to the power of compounding.\n\n\nRemember, investing is a marathon and not a sprint! \n\u2018Sikit-sikit, lama-lama jadi bukit!\u2019\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/performance-of-raiz-portfolio-holdings-for-april-2023/", "title": "Performance of Raiz Portfolio Holdings \u2013 for April 2023", "body": "Performance of Raiz Portfolio Holdings \u2013 for April 2023\nKlik sini untuk Bahasa Melayu\n\n\n30-05-2023\n\n\n\n\n\n\n\n\n\u00a0\n\n\nPast 12-month change in the value for Raiz portfolios\n\n\n(30/04/2022 \u2013 30/04/2023)\n\n\n\n\n\n\nSource\n: ASNB, abrdn, UOBAM, AHAM.\n\n\n\u00a0\n\n\nAre you on Custom Portfolio?\n\n\nThe portfolio performance is simply the combined weightage return of each fund you have chosen to be in your custom portfolio.\n\n\nFor example, you allocated;\n\n\n\n\n20% of your investment in sukuk fund; and\n\n\n30% in Islamic world equity fund; and\n\n\n50% in shariah gold fund.\n\n\n\n\n\u00a0\n\n\nThe yearly performance of the funds is (you can see from above);\n\n\n\n\nSukuk fund: +4.2% vs benchmark +6.9%\n\n\nIslamic world equity fund: +5.2% vs benchmark +6.6%\n\n\nShariah gold fund: +1.1% vs benchmark +6.6%\n\n\n\n\n\u00a0\n\n\nIts yearly portfolio return is [(+4.2% x 20%) + (+5.2% x 30%) + (+1.1% x 50%)] = +3.0%.\n\n\nIts yearly benchmark is [(+6.9% x 20%) + (+6.6% x 30%) + (+6.6% x 50%)] = +6.7%.\n\n\n\u00a0\n\n\nBut wait\u2026 what is a benchmark?\n\n\nBenchmark is an indicative value of how much your investment should have performed. It is for you to compare your investment return (in reality!) vs its benchmark.\n\n\n\u00a0\n\n\nHope that helps your understanding in investing smart.\n\n\n\u00a0\n\n\n\n\nKeep in mind that past performance is not necessarily an indicator of future performance.\n\n\nRaiz is about helping you save & invest regularly \u2013 even with small amounts so you can keep the momentum going. Being \nable to save 5% of your salary every month is better\n than earning a 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/performance-of-raiz-portfolio-holdings-for-february-2023/", "title": "Performance of Raiz Portfolio Holdings \u2013 for February 2023", "body": "Performance of Raiz Portfolio Holdings \u2013 for February 2023\nKlik sini untuk Bahasa Melayu\n\n\n28-03-2023\n\n\n\n\n\n\n\n\n\n\nPast 12-month change in the value for Raiz portfolios\n\n\n(28/02/2022 \u2013 28/02/2023)\n\n\n\n\n\n\nSource\n: ASNB, abrdn, UOBAM, AHAM.\n\n\n\u00a0\n\n\nAre you on Custom Portfolio?\n\n\nThe portfolio performance is simply the combined weightage return of each fund you have chosen to be in your custom portfolio.\n\n\nFor example, you allocated;\n\n\n\n\n\n\n\n\n20% of your investment in sukuk fund; and\n\n\n30% in Islamic world equity fund; and\n\n\n50% in shariah gold fund.\n\n\n\n\n\n\n\n\n\u00a0\n\n\nThe yearly performance of the funds are (you can see from above);\n\n\n\n\n\n\n\n\nSukuk fund: +3.2% vs benchmark +3.0%\n\n\nIslamic world equity fund: -4.6% vs benchmark +1.2%\n\n\nshariah gold fund: 0.0% vs benchmark +1.7%\n\n\n\n\n\n\n\n\n\u00a0\n\n\nIts yearly portfolio return is [(+3.2% x 20%) + (-4.6% x 30%) + (+0.0% x 50%)] = -0.7%.\n\n\nIts yearly benchmark is [(+3.0% x 20%) + (+1.2% x 30%) + (+1.7% x 50%)] = +1.8%.\n\n\n\u00a0\n\n\nBut wait\u2026 what is benchmark?\n\n\nBenchmark is an indicative value of how much your investment should have performed. It is for you to compare your investment return (in reality!) vs its benchmark.\n\n\nHope that helps your understanding in investing smart.\n\n\n\u00a0\n\n\n\n\nKeep in mind that past performance is not a good indicator of future performance.\n\n\nThe Raiz philosophy is about saving and investing, even with small amounts, regularly so you can keep the momentum going.\n\n\nBeing 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.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/performance-of-raiz-portfolio-holdings-for-january-2023/", "title": "Performance of Raiz Portfolio Holdings \u2013 for January 2023", "body": "Performance of Raiz Portfolio Holdings \u2013 for January 2023\nKlik sini untuk Bahasa Melayu\n\n\n28-02-2023\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nPast 12-month change in the value for Raiz portfolios\n\n\n(31/01/2022 \u2013 31/01/2023)\n\n\n\n\n\n\nSource\n: ASNB, abrdn, UOBAM, AHAM.\n\n\n\u00a0\n\n\nAre you on Custom Portfolio?\n\n\nThe portfolio performance is simply the combined weightage return of each fund you have chosen to be in your custom portfolio.\n\n\nFor example, you allocated;\n\n\n\n\n\n\n\n\n20% of your investment in sukuk fund; and\n\n\n30% in Islamic world equity fund; and\n\n\n50% in shariah gold fund.\n\n\n\n\n\n\n\n\nThe yearly performance of the funds are (you can see from above);\n\n\n\n\n\n\n\n\nSukuk fund: +3.1% vs benchmark +2.9%\n\n\nIslamic world equity fund: -10.1% vs benchmark -2.1%\n\n\nshariah gold fund: +5.7% vs benchmark +8.4%\n\n\n\n\n\n\n\n\nIts yearly portfolio return is [(+3.1% x 20%) + (-10.1% x 30%) + (+5.7% x 50%)] = +0.4%.\n\n\nIts yearly benchmark is [(+2.9% x 20% + (-2.1% x 30%) + (+8.4% x 50%)] = +4.1%.\n\n\n\u00a0\n\n\nBut wait\u2026 what is benchmark?\n\n\nBenchmark is an indicative value of how much your investment should have performed. It is for you to compare your investment return (in reality!) vs its benchmark.\n\n\nHope that helps your understanding in investing smart.\n\n\n\u00a0\n\n\n\n\nKeep in mind that past performance is not a good indicator of future performance.\n\n\nThe Raiz philosophy is about saving and investing, even with small amounts, regularly so you can keep the momentum going.\n\n\nBeing 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.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/performance-of-raiz-portfolio-holdings-for-july-2023/", "title": "Performance of Raiz Portfolio Holdings \u2013 for July 2023", "body": "Performance of Raiz Portfolio Holdings \u2013 for July 2023\nKlik sini untuk Bahasa Melayu\n\n\n29-08-2023\n\n\n \n\n\nPast 12-month change in the value for Raiz portfolios\n\n\n(31/07/2022 \u2013 31/07/2023)\n\n\n\n\n\n\nSource\n: ASNB, abrdn, UOBAM, AHAM.\n\n\n\u00a0\n\n\nAre you on Custom Portfolio?\n\n\nThe portfolio performance is simply the combined weightage return of each fund you have chosen to be in your custom portfolio.\n\n\nFor example, you allocated;\n\n\n\n\n20% of your investment in sukuk fund; and\n\n\n30% in Islamic world equity fund; and\n\n\n50% in shariah gold fund.\n\n\n\n\n\u00a0\n\n\nThe yearly performance of the funds is (you can see from above);\n\n\n\n\nSukuk fund: +4.1% vs benchmark +6.7%\n\n\nIslamic world equity fund: +15.0% vs benchmark +18.6%\n\n\nShariah gold fund: +10.7% vs benchmark +12.6%\n\n\n\n\n\u00a0\n\n\nIts yearly portfolio return is [(+4.1% x 20%) + (+15.0% x 30%) + (+10.7% x 50%)] = +10.7%.\n\n\nIts yearly benchmark is [(+6.7% x 20%) + (+18.6% x 30%) + (+12.6% x 50%)] = +13.2%.\n\n\n\u00a0\n\n\nBut wait\u2026 what is a benchmark?\n\n\nBenchmark is an indicative value of how much your investment should have performed. It is for you to compare your investment return (in reality!) vs its benchmark.\n\n\n\u00a0\n\n\nHope that helps your understanding in investing smart.\n\n\n\u00a0\n\n\n\n\nKeep in mind that past performance is not necessarily an indicator of future performance.\n\n\nRaiz is about helping you save & invest regularly \u2013 even with small amounts so you can keep the momentum going. Being \nable to save 5% of your salary every month is better\n than earning a 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/performance-of-raiz-portfolio-holdings-for-june-2023/", "title": "Performance of Raiz Portfolio Holdings \u2013 for June 2023", "body": "Performance of Raiz Portfolio Holdings \u2013 for June 2023\nKlik sini untuk Bahasa Melayu\n\n\n25-07-2023\n\n\n \n \n\n\n\u00a0\n\n\n\u00a0\n\n\nPast 12-month change in the value for Raiz portfolios\n\n\n(30/06/2022 \u2013 30/06/2023)\n\n\n\n\n\n\nSource\n: ASNB, abrdn, UOBAM, AHAM.\n\n\n\u00a0\n\n\nAre you on Custom Portfolio?\n\n\nThe portfolio performance is simply the combined weightage return of each fund you have chosen to be in your custom portfolio.\n\n\nFor example, you allocated;\n\n\n\n\n20% of your investment in sukuk fund; and\n\n\n30% in Islamic world equity fund; and\n\n\n50% in shariah gold fund.\n\n\n\n\n\u00a0\n\n\nThe yearly performance of the funds is (you can see from above);\n\n\n\n\nSukuk fund: +4.6% vs benchmark +7.6%\n\n\nIslamic world equity fund: +26.7% vs benchmark +27.0%\n\n\nShariah gold fund: +9.6% vs benchmark +11.2%\n\n\n\n\n\u00a0\n\n\nIts yearly portfolio return is [(+4.6% x 20%) + (+26.7% x 30%) + (+9.6% x 50%)] = +13.7%.\n\n\nIts yearly benchmark is [(+7.6% x 20%) + (+27.0% x 30%) + (+11.2% x 50%)] = +15.2%.\n\n\n\u00a0\n\n\nBut wait\u2026 what is a benchmark?\n\n\nBenchmark is an indicative value of how much your investment should have performed. It is for you to compare your investment return (in reality!) vs its benchmark.\n\n\n\u00a0\n\n\nHope that helps your understanding in investing smart.\n\n\n\u00a0\n\n\n\n\nKeep in mind that past performance is not necessarily an indicator of future performance.\n\n\nRaiz is about helping you save & invest regularly \u2013 even with small amounts so you can keep the momentum going. Being \nable to save 5% of your salary every month is better\n than earning a 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/performance-of-raiz-portfolio-holdings-for-march-2023/", "title": "Performance of Raiz Portfolio Holdings \u2013 for March 2023", "body": "Performance of Raiz Portfolio Holdings \u2013 for March 2023\nKlik sini untuk Bahasa Melayu\n\n\n25-04-2023\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nPast 12-month change in the value for Raiz portfolios\n\n\n(31/03/2022 \u2013 31/03/2023)\n\n\n\n\n\n\nSource\n: ASNB, abrdn, UOBAM, AHAM.\n\n\n\u00a0\n\n\nAre you on Custom Portfolio?\n\n\nThe portfolio performance is simply the combined weightage return of each fund you have chosen to be in your custom portfolio.\n\n\nFor example, you allocated;\n\n\n\n\n\n\n\n\n20% of your investment in sukuk fund; and\n\n\n30% in Islamic world equity fund; and\n\n\n50% in shariah gold fund.\n\n\n\n\n\n\n\n\n\u00a0\n\n\nThe yearly performance of the funds are (you can see from above);\n\n\n\n\n\n\n\n\nSukuk fund: + 3.9% vs benchmark +4.1%\n\n\nIslamic world equity fund: -3.7% vs benchmark +1.8%\n\n\nshariah gold fund: +7.0% vs benchmark +7.8%\n\n\n\n\n\n\n\n\n\u00a0\n\n\nIts yearly portfolio return is [(+3.9% x 20%) + (-3.7% x 30%) + (+7.0% x 50%)] = +3.2%.\n\n\nIts yearly benchmark is [(+4.1% x 20%) + (+1.8% x 30%) + (+7.8% x 50%)] = +5.3%.\n\n\n\u00a0\n\n\nBut wait\u2026 what is benchmark?\n\n\nBenchmark is an indicative value of how much your investment should have performed. It is for you to compare your investment return (in reality!) vs its benchmark.\n\n\nHope that helps your understanding in investing smart.\n\n\n\u00a0\n\n\n\n\nKeep in mind that past performance is not a good indicator of future performance.\n\n\nThe Raiz philosophy is about saving and investing, even with small amounts, regularly so you can keep the momentum going.\n\n\nBeing 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.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/performance-of-raiz-portfolio-holdings-for-may-2023/", "title": "Performance of Raiz Portfolio Holdings \u2013 for May 2023", "body": "Performance of Raiz Portfolio Holdings \u2013 for May 2023\nKlik sini untuk Bahasa Melayu\n\n\n20-06-2023\n\n\n\n\n\n\n\n\n\u00a0\n\n\nPast 12-month change in the value for Raiz portfolios\n\n\n(31/05/2022 \u2013 31/05/2023)\n\n\n\n\n\n\nSource\n: ASNB, abrdn, UOBAM, AHAM.\n\n\n\u00a0\n\n\nAre you on Custom Portfolio?\n\n\nThe portfolio performance is simply the combined weightage return of each fund you have chosen to be in your custom portfolio.\n\n\nFor example, you allocated;\n\n\n\n\n20% of your investment in sukuk fund; and\n\n\n30% in Islamic world equity fund; and\n\n\n50% in shariah gold fund.\n\n\n\n\n\u00a0\n\n\nThe yearly performance of the funds is (you can see from above);\n\n\n\n\nSukuk fund: +4.5% vs benchmark +7.3%\n\n\nIslamic world equity fund: +9.6% vs benchmark +6.7%\n\n\nShariah gold fund: +9.7% vs benchmark +11.3%\n\n\n\n\n\u00a0\n\n\nIts yearly portfolio return is [(+4.5% x 20%) + (+9.6% x 30%) + (+9.7% x 50%)] = +8.6%.\n\n\nIts yearly benchmark is [(+7.3% x 20%) + (+6.7% x 30%) + (+11.3% x 50%)] = +9.1%%.\n\n\n\u00a0\n\n\nBut wait\u2026 what is a benchmark?\n\n\nBenchmark is an indicative value of how much your investment should have performed. It is for you to compare your investment return (in reality!) vs its benchmark.\n\n\n\u00a0\n\n\nHope that helps your understanding in investing smart.\n\n\n\u00a0\n\n\n\n\nKeep in mind that past performance is not necessarily an indicator of future performance.\n\n\nRaiz is about helping you save & invest regularly \u2013 even with small amounts so you can keep the momentum going. Being \nable to save 5% of your salary every month is better\n than earning a 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/pertumbuhan-pinjaman-bank-turun/", "title": "Pertumbuhan Pinjaman Bank Turun (minggu berakhir 03/08/2021)", "body": "Pertumbuhan Pinjaman Bank Turun (minggu berakhir 03/08/2021)\n\n\n\u00a0\n\n\nBerikut adalah beberapa maklumat berkenaan Pelaburan dan Ekonomi:\n\n\n\n\n\n\nPertumbuhan pinjaman bank secara keseluruhan turun kepada 3. 4% tahun ke tahun pada Jun-21, pertumbuhan paling perlahan yang direkodkan sejak Disember-20.\n\n\n\nPenurunan itu disebabkan terutamanya oleh kesederhanaan dalam pinjaman isi rumah (Mei 6. 1%, Jun 5.2% tahun ke tahun) terutamanya untuk pinjaman kereta penumpang, kediaman dan kad kredit.\n\n\nPertumbuhan pinjaman ini telah terjejas oleh lockdown yang dilanjutkan sejak 1 Jun lalu.\n\n\nLockdown yang berterusan akan menjadi risiko kelembapan utama bagi ekonomi untuk pulih semula kerana pengguna akan lebih berhati-hati untuk berbelanja akibat ketidakpastian yang semakin meningkat.\n\n\n\n\n\n\n\n\n\n\nBank Negara berkata nisbah pinjaman tidak berbayar sektor perbankan akan kekal stabil secara amnya dalam tempoh terdekat \u2013 memandangkan bank terus memudahkan bantuan pembayaran balik bagi peminjam yang sedang menghadapi masalah kewangan.\n\n\n\nNisbah pinjaman tidak berbayar kasar dan bersih masing-masing kekal tidak berubah pada 1.6% dan 1% disebalik peningkatan bulanan yang kecil.\n\n\nWalaupun ia menjangkakan nisbah pinjaman tidak berbayar kekal stabil dalam tempoh terdekat, Bank Negara menyatakan bahawa bank-bank terus membuat peruntukan tambahan terhadap potensi kerugian kredit, yang kini berada pada 1.8% daripada jumlah pinjaman tidak berbayar sistem perbankan secara keseluruhan.\n\n\n\n\n\n\n\n\n\n\nKami menjangkakan Bank Negara akan terus mengekalkan Kadar Dasar Semalaman (OPR) pada paras rendah sekarang sepanjang 2021 dalam mesyuaratnya bulan depan.\n\n\n\nIni adalah berdasarkan keadaan ekonomi semasa yang mencabar, dan ia terlalu awal untuk Bank Negara menaikkan kadar tersebut tahun.\n\n\nIni juga berdasarkan prospek bahawa kegiatan ekonomi akan dibuka semula secara beransur-ansur tidak lama lagi memandangkan kadar vaksinasi yang tinggi dan jangkaan bahawa kadar inflasi akan turun.\n\n\n\n\n\n\n\n\n\n\nSaham-saham syarikat teknologi China yang disenaraikan di AS bakal menghadapi bulan terburuk mereka sejak krisis kewangan global selepas pelabur-pelabur menjual saham-saham mereka berikutan tindakan keras pihak pengawalselia Beijing terhadap syarikat-syarikat ini.\n\n\n\n\n\u00a0\n\n\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/plan-your-retirement/", "title": "Plan Your Retirement!", "body": "Plan Your Retirement!\nKlik sini untuk Bahasa Melayu\n\n\n\n\n\u00a0\n\n\nThere will come a time when we\u00a0retire\u00a0and\u00a0will need to\u00a0depend on our savings.\n\u00a0\n\n\nCongratulations if you are a government retiree, you\u00a0will\u00a0receive a monthly pension.\u00a0\n\u00a0\n\n\nFor self-employed or private employees, we will be completely dependent on our savings in the EPF and our own savings.\n\n\n\n\n\u00a0\n\n\n\n\n When will you retire?\n\n\n\n\nOne of the aspects you need to know is your investment horizon. If you start at age 25 and want investment returns at age 65, your investment horizon is 40 years.\n\u00a0\n\n\nThe earlier, the better because you will get an advantage of the compounding effect. The graph below shows a projected investment return of RM125 per month at a profit of 5% per annum \u2013 much more if you start earlier!\n\n\n\n\n\n\n\u00a0\n\n\n\n\n How much money will you spend at that time?\n\n\n\n\nLifestyle and needs during retirement might change. When you retire, there are things you no longer must spend on like transportation to work (petrol, toll, etc.). But you might spend on traveling which will use a lot of money. It should also be kept in mind, you may have to pay off outstanding debts such as home and car loans.\n\u00a0\n\n\nSo,\u00a0look at\u00a0your savings\u00a0again \u2013\u00a0is it enough or not?\n\u00a0\n\n\nIt is also important to remember the inflation that can cause the price of goods to rise in the next 20-30 years.\n\n\n\u00a0\n\n\n\n\n Automate your retirement savings\n\n\n\n\nWe are human beings, sometimes\u00a0we\u00a0forget. Especially, saving money requires consistent discipline. For your convenience, you can automatically deposit the savings for your retirement fund.\n\u00a0\n\n\nIf you have already contributed to the EPF, congratulations to you. If you want more, you can set it in the Raiz app;\n\n\n\n\nClick\u00a0\nhere\n to open Recurring Investment.\n\u00a0\n\n\nSet name (eg: Retirement) and savings goal.\n\u00a0\n\n\nSet total and frequency of the investment.\n\n\n\n\nWe will have peace of mind if we have a\u00a0sufficient\u00a0retirement fund. We also do not have to depend on children or relatives later. Remember, children are not our retirement fund!\n\u00a0\n\n\nLet\u2019s build\u00a0our retirement\u00a0fund!\n\n\n\u00a0\n\n\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/pnb-akan-tambah-aset-infrastruktur-minggu-berakhir-04-10-2022/", "title": "PNB akan tambah aset infrastruktur (minggu berakhir 04/10/2022)", "body": "PNB akan tambah aset infrastruktur (minggu berakhir 04/10/2022)\n\n\nClick here for English\n\n\nKami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:\n\n\n\n\n\n\nPengurus aset terbesar Malaysia, Permodalan Nasional Bhd (PNB), merancang untuk menambah aset infrastruktur ke dalam portfolio pelaburannya mulai tahun depan \u2013 untuk mempelbagaikan pendedahan aset-asetnya dan juga untuk mengemudi persekitaran inflasi semasa yang tinggi, kata Presiden & Ketua Eksekutif Kumpulan PNB, Ahmad Zulqarnain Onn.\n\n\n\nLangkah itu diambil ketika pengurus aset global mencurahkan berbilion dolar ke dalam aset infrastruktur di seluruh Asia Tenggara, didorong oleh prospek pertumbuhan sektor itu dan demi pulangan jangka panjang yang stabil.\n\n\nPNB menguruskan RM336.7 bilion aset bagi tahun 2021.\n\n\n\n\n\n\n\n\n\n\nKerajaan UK membatalkan rancangan untuk merendahkan cukai ke atas golongan berpendapatan tinggi.\n\n\n\nSehari selepas pengumuman itu, matawang pound sterling UK jatuh ke paras terendah sepanjang masa, dan bon kerajaan UK terjual secara besar-besaran, menyebabkan bank pusatnya, Bank of England terpaksa melakukan program pembelian sementara untuk menenangkan pasaran.\n\n\n\n\n\n\n\n\n\n\nRaiz membantu anda menyimpan & melabur \u2013 berjaya menyimpan 5% daripada gaji anda adalah lebih baik daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\n\n\u00a0\n\n\nAnda tahu?\n\n\nMiskin Tegar\n\n\nGolongan miskin tegar menyaksikan peningkatan dalam tempoh pandemik, dengan peratusan di bawah kategori ini meningkat daripada 5.6% sebelum pandemik bermula pada tahun 2020, kepada 8.4% \u2013 Mustapa Mohamed, Menteri di Jabatan Perdana Menteri (Ekonomi).\n\n\nMengikut standard kemiskinan kebangsaan, sesebuah isi rumah dianggap miskin tegar jika pendapatan bulanan mereka di bawah RM1,169.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\u00a0\n\n\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/pnb-to-add-infrastructure-assets-weekly-ended-04-10-2022/", "title": "PNB to add infrastructure assets (weekly ended 04/10/2022)", "body": "PNB to add infrastructure assets (weekly ended 04/10/2022)\n\n\nKlik sini untuk Bahasa Melayu\n\n\nSharing some Investing and Economic insights:\n\n\n\n\n\n\nMalaysia\u2019s largest asset manager, Permodalan Nasional Bhd (PNB), plans to add infrastructure assets into its investment portfolio from next year \u2013 to diversify its exposure and navigate the current high inflationary environment, PNB\u2019s President & Group Chief Executive, Ahmad Zulqarnain Onn said \u2013 Reuters.\n\n\n\nThe move comes at a time when global asset managers are pouring in billions of dollars into infrastructure assets across South-East Asia, lured by the sector\u2019s growth prospects and for stable, long-term returns.\n\n\nPNB managed RM336.7bil of asset in 2021.\n\n\n\n\n\n\n\n\n\n\nUK government abolishes plan to cut tax on high income earners.\n\n\n\nIn the days following the announcement, the UK pound sterling dropped to an all-time low, and the UK government bonds experienced biggest sell-off in decades, causing the Bank of England to begin a temporary purchase program to calm the market.\n\n\n\n\n\n\n\n\n\n\nRaiz is about helping you save & invest more \u2013 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).\n\n\n\n\n\u00a0\n\n\nDo you know?\n\n\n\n\nHardcore Poor\n\n\nThe hardcore poor saw an increase in their numbers because of the pandemic period, with the percentage under this category rising from 5.6% before the pandemic began in 2020, to 8.4% \u2013 Mustapa Mohamed, Minister in the PM\u2019s Department (Economy).\n\n\nAccording to the national poverty standard, a household is considered hardcore poor if their monthly income is below RM1,169.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/prestasi-pegangan-portfolio-raiz-bagi-april-2023/", "title": "Prestasi Pegangan Portfolio Raiz \u2013 bagi April 2023", "body": "Prestasi Pegangan Portfolio Raiz \u2013 bagi April 2023\nClick here for English\n\n\n30-05-2023\n\n\n\n\n\n\n\n\n\n\nPrestasi portfolio Raiz untuk 12 bulan lepas\n\n\n(30/04/2022 \u2013 30/04/2023)\n\n\n\n\n\n\nSumber\n: ASNB, abrdn, UOBAM, AHAM.\n\n\n\u00a0\n\n\nAdakah anda menggunakan Portfolio Bolehubah (Custom Portfolio)?\n\n\nPrestasi portfolio pelaburan anda hanyalah bersamaan dengan pulangan setiap dana di dalam portfolio itu mengikut peruntukan yang ditetapkan.\n\n\nSebagai contoh, anda memperuntukkan;\n\n\n\n\n20% pelaburan anda dalam dana sukuk; dan\n\n\n30% dalam dana ekuiti global islamik; dan\n\n\n50% dalam dana emas shariah.\n\n\n\n\n\u00a0\n\n\nPrestasi tahunan dana adalah (anda boleh lihat di atas);\n\n\n\n\nDana Sukuk: +4.2% vs penanda aras +6.9%\n\n\nDana Ekuiti Dunia Islam: +5.2% vs penanda aras +6.6%\n\n\nDana Emas Syariah: +1.1% vs penanda aras +6.6%\n\n\n\n\n\u00a0\n\n\nPulangan portfolio tahunannya ialah [(+4.2% x 20%) + (+5.2% x 30%) + (+1.1% x 50%)] = +3.0%.\n\n\nPenanda aras tahunannya ialah [(+6.9% x 20%) + (+6.6% x 30%) + (+6.6% x 50%)] = +6.7%.\n\n\n\u00a0\n\n\nSekejap\u2026 penanda aras tu apa?\n\n\nPenanda aras adalah nilai indikatif keuntungan pelaburan anda yang sepatutnya. Ia adalah untuk anda membandingkan pulangan pelaburan anda (yang sebenari!) berbanding penanda arasnya.\n\n\n\u00a0\n\n\nHarap kami membantu pemahaman anda untuk melabur dengan lebih pintar.\n\n\n\u00a0\n\n\n\n\nKami ingin mengingatkan prestasi masa lalu tidak semestinya petunjuk untuk menentukan prestasi masa hadapan.\n\n\nRaiz membantu anda menyimpan & melabur secara konsisten \u2013 walaupun dengan amaun yang kecil, supaya anda berjaya meneruskan momentum ini.\u00a0\nBerjaya menyimpan 5% daripada gaji anda setiap bulan adalah lebih baik\n\u00a0daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu menambah baik kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\u00a0\n\n\n\n\nTiada aplikasi Raiz?\n\u00a0\n\n\nMuat turun aplikasi Raiz secara percuma:\n\u00a0\n\n\n\n\n.\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/prestasi-pegangan-portfolio-raiz-bagi-februari-2023/", "title": "Prestasi Pegangan Portfolio Raiz \u2013 bagi Februari 2023", "body": "Prestasi Pegangan Portfolio Raiz \u2013 bagi Februari 2023\nClick here for English\n\n\n28-03-2023\n\n\n\n\n\n\n\n\n\n\nPrestasi portfolio Raiz untuk 12 bulan lepas\n\n\n(28/02/2022 \u2013 28/02/2023)\n\n\n\n\n\n\nSumber\n: ASNB, abrdn, UOBAM, AHAM.\n\n\n\u00a0\n\n\nAdakah anda menggunakan Portfolio Bolehubah (Custom Portfolio)?\n\n\nPrestasi portfolio hanyalah pulangan wajaran gabungan setiap dana yang telah anda pilih untuk berada dalam portfolio bolehubah anda.\n\n\nSebagai contoh, anda memperuntukkan;\n\n\n\n\n\n\n\n\n20% pelaburan anda dalam dana sukuk; dan\n\n\n30% dalam dana ekuiti global islamik; dan\n\n\n50% dalam dana emas shariah.\n\n\n\n\n\n\n\n\n\u00a0\n\n\nPrestasi tahunan dana adalah (anda boleh lihat di atas);\n\n\n\n\n\n\n\n\nDana Sukuk: +3.2% vs penanda aras +3.0%\n\n\nDana Ekuiti Dunia Islam: -4.6% vs penanda aras +1.2%\n\n\nDana Emas Syariah: 0.0% vs penanda aras +1.7%\n\n\n\n\n\n\n\n\nPulangan portfolio tahunannya ialah [(+3.2% x 20%) + (-4.6% x 30%) + (0.0% x 50%)] = -0.7%.\n\n\nPenanda aras tahunannya ialah [(+3.0% x 20%) + (+1.2% x 30%) + (+1.7% x 50%)] = +1.8%.\n\n\n\u00a0\n\n\nSekejap\u2026 penanda aras tu apa?\n\n\nPenanda aras adalah nilai indikatif keuntungan pelaburan anda yang sepatutnya. Ia adalah untuk anda membandingkan pulangan pelaburan anda (yang sebenari!) berbanding penanda arasnya.\n\n\nHarap kami membantu pemahaman anda untuk melabur dengan lebih pintar.\n\n\n\u00a0\n\n\n\n\nKami ingin mengingatkan prestasi masa lalu bukanlah petunjuk yang baik untuk menentukan prestasi masa hadapan.\n\n\nFalsafah pelaburan Raiz adalah melabur, walaupun dengan jumlah yang kecil, secara berkala untuk mengekalkan momentum.\n\n\nMempunyai disiplin menyimpan wang secara berkala adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda dalam jangka masa panjang daripada kesibukan memilih pengurus dana yang terbaik.\n\n\n\u00a0\n\n\n\n\nTiada aplikasi Raiz?\n\u00a0\n\n\nMuat turun aplikasi Raiz secara percuma:\n\u00a0\n\n\n\n\n.\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/prestasi-pegangan-portfolio-raiz-bagi-januari-2023/", "title": "Prestasi Pegangan Portfolio Raiz \u2013 bagi Januari 2023", "body": "Prestasi Pegangan Portfolio Raiz \u2013 bagi Januari 2023\nClick here for English\n\n\n28-02-2023\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nPrestasi portfolio Raiz untuk 12 bulan lepas\n\n\n(31/01/2022 \u2013 31/01/2023)\n\n\n\n\n\n\nSumber\n: ASNB, abrdn, UOBAM, AHAM.\n\n\n\u00a0\n\n\nAdakah anda menggunakan Portfolio Bolehubah (Custom Portfolio)?\n\n\nPrestasi portfolio pelaburan anda hanyalah bersamaan dengan pulangan setiap dana di dalam portfolio itu mengikut peruntukan yang ditetapkan.\n\n\nSebagai contoh, anda memperuntukkan;\n\n\n\n\n\n\n\n\n20% pelaburan anda dalam dana sukuk; dan\n\n\n30% dalam dana ekuiti global islamik; dan\n\n\n50% dalam dana emas shariah.\n\n\n\n\n\n\n\n\nPrestasi tahunan dana adalah (anda boleh lihat di atas);\n\n\n\n\n\n\n\n\nDana Sukuk: +3.1% vs penanda aras +2.9%\n\n\nDana Ekuiti Dunia Islam: -10.1% vs penanda aras -2.1%\n\n\nDana Emas Syariah: +5.7% vs penanda aras +8.4%\n\n\n\n\n\n\n\n\nPulangan portfolio tahunannya ialah [(+3.1% x 20%) + (-10.1% x 30%) + (+5.7% x 50%)] = +0.4%.\n\n\nPenanda aras tahunannya ialah [(+2.9% x 20% + (-2.1% x 30%) + (+8.4% x 50%)] = +4.1%.\n\n\n\u00a0\n\n\nSekejap\u2026 penanda aras tu apa?\n\n\nPenanda aras adalah nilai indikatif keuntungan pelaburan anda yang sepatutnya. Ia adalah untuk anda membandingkan pulangan pelaburan anda (yang sebenar!) berbanding penanda arasnya.\n\n\nHarap kami membantu pemahaman anda untuk melabur dengan lebih pintar.\n\n\n\u00a0\n\n\n\n\nKami ingin mengingatkan prestasi masa lalu bukanlah petunjuk yang baik untuk menentukan prestasi masa hadapan.\n\n\nFalsafah pelaburan Raiz adalah melabur, walaupun dengan jumlah yang kecil, secara berkala untuk mengekalkan momentum.\n\n\nMempunyai disiplin menyimpan wang secara berkala adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda dalam jangka masa panjang daripada kesibukan memilih pengurus dana yang terbaik.\n\n\n\u00a0\n\n\n\n\nTiada aplikasi Raiz?\n\u00a0\n\n\nMuat turun aplikasi Raiz secara percuma:\n\u00a0\n\n\n\n\n.\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/prestasi-pegangan-portfolio-raiz-bagi-julai-2023/", "title": "Prestasi Pegangan Portfolio Raiz \u2013 bagi Julai 2023", "body": "Prestasi Pegangan Portfolio Raiz \u2013 bagi Julai 2023\nClick here for English\n\n\n29-08-2023\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\nPrestasi portfolio Raiz untuk 12 bulan lepas\n\n\n(31/07/2022 \u2013 31/07/2023)\n\n\n\n\n\n\nSumber\n: ASNB, abrdn, UOBAM, AHAM.\n\n\n\u00a0\n\n\nAdakah anda menggunakan Portfolio Bolehubah (Custom Portfolio)?\n\n\nPrestasi portfolio pelaburan anda hanyalah bersamaan dengan pulangan setiap dana di dalam portfolio itu mengikut peruntukan yang ditetapkan.\n\n\nSebagai contoh, anda memperuntukkan;\n\n\n\n\n20% pelaburan anda dalam dana sukuk; dan\n\n\n30% dalam dana ekuiti global islamik; dan\n\n\n50% dalam dana emas shariah.\n\n\n\n\n\u00a0\n\n\nPrestasi tahunan dana adalah (anda boleh lihat di atas);\n\n\n\n\nDana Sukuk: +4.1% vs penanda aras +6.7%\n\n\nDana Ekuiti Dunia Islam: +15.0% vs penanda aras +18.6%\n\n\nDana Emas Syariah: +10.7% vs penanda aras +12.6%\n\n\n\n\n\u00a0\n\n\nPulangan portfolio tahunannya ialah [(+4.1% x 20%) + (+15.0% x 30%) + (+10.7% x 50%)] = +10.7%.\n\n\nPenanda aras tahunannya ialah [(+6.7% x 20%) + (+18.6% x 30%) + (+12.6% x 50%)] = +13.2%.\n\n\n\u00a0\n\n\nSekejap\u2026 penanda aras tu apa?\n\n\nPenanda aras adalah nilai indikatif keuntungan pelaburan anda yang sepatutnya. Ia adalah untuk anda membandingkan pulangan pelaburan anda (yang sebenari!) berbanding penanda arasnya.\n\n\n\u00a0\n\n\nHarap kami membantu pemahaman anda untuk melabur dengan lebih pintar.\n\n\n\u00a0\n\n\n\n\nKami ingin mengingatkan prestasi masa lalu tidak semestinya petunjuk untuk menentukan prestasi masa hadapan.\n\n\nRaiz membantu anda menyimpan & melabur secara konsisten \u2013 walaupun dengan amaun yang kecil, supaya anda berjaya meneruskan momentum ini.\u00a0\nBerjaya menyimpan 5% daripada gaji anda setiap bulan adalah lebih baik\n\u00a0daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu menambah baik kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\u00a0\n\n\n\n\nTiada aplikasi Raiz?\n\u00a0\n\n\nMuat turun aplikasi Raiz secara percuma:\n\u00a0\n\n\n\n\n.\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/prestasi-pegangan-portfolio-raiz-bagi-jun-2023/", "title": "Prestasi Pegangan Portfolio Raiz \u2013 bagi Jun 2023", "body": "Prestasi Pegangan Portfolio Raiz \u2013 bagi Jun 2023\nClick here for English\n\n\n25-07-2023\n\n\n\n\n\n\n\n\n\n\nPrestasi portfolio Raiz untuk 12 bulan lepas\n\n\n(30/06/2022 \u2013 30/06/2023)\n\n\n\n\n\n\nSumber\n: ASNB, abrdn, UOBAM, AHAM.\n\n\n\u00a0\n\n\nAdakah anda menggunakan Portfolio Bolehubah (Custom Portfolio)?\n\n\nPrestasi portfolio pelaburan anda hanyalah bersamaan dengan pulangan setiap dana di dalam portfolio itu mengikut peruntukan yang ditetapkan.\n\n\nSebagai contoh, anda memperuntukkan;\n\n\n\n\n20% pelaburan anda dalam dana sukuk; dan\n\n\n30% dalam dana ekuiti global islamik; dan\n\n\n50% dalam dana emas shariah.\n\n\n\n\n\u00a0\n\n\nPrestasi tahunan dana adalah (anda boleh lihat di atas);\n\n\n\n\nDana Sukuk: +4.6% vs penanda aras +7.6%\n\n\nDana Ekuiti Dunia Islam: +26.7% vs penanda aras +27.0%\n\n\nDana Emas Syariah: +9.6% vs penanda aras +11.2%\n\n\n\n\n\u00a0\n\n\nPulangan portfolio tahunannya ialah [(+4.6% x 20%) + (+26.7% x 30%) + (+9.6% x 50%)] = +13.7%.\n\n\nPenanda aras tahunannya ialah [(+7.6% x 20%) + (+27.0% x 30%) + (+11.2% x 50%)] = +15.2%.\n\n\n\u00a0\n\n\nSekejap\u2026 penanda aras tu apa?\n\n\nPenanda aras adalah nilai indikatif keuntungan pelaburan anda yang sepatutnya. Ia adalah untuk anda membandingkan pulangan pelaburan anda (yang sebenari!) berbanding penanda arasnya.\n\n\n\u00a0\n\n\nHarap kami membantu pemahaman anda untuk melabur dengan lebih pintar.\n\n\n\u00a0\n\n\n\n\nKami ingin mengingatkan prestasi masa lalu tidak semestinya petunjuk untuk menentukan prestasi masa hadapan.\n\n\nRaiz membantu anda menyimpan & melabur secara konsisten \u2013 walaupun dengan amaun yang kecil, supaya anda berjaya meneruskan momentum ini.\u00a0\nBerjaya menyimpan 5% daripada gaji anda setiap bulan adalah lebih baik\n\u00a0daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu menambah baik kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\u00a0\n\n\n\n\nTiada aplikasi Raiz?\n\u00a0\n\n\nMuat turun aplikasi Raiz secara percuma:\n\u00a0\n\n\n\n\n.\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/prestasi-pegangan-portfolio-raiz-bagi-mac-2023/", "title": "Prestasi Pegangan Portfolio Raiz \u2013 bagi Mac 2023", "body": "Prestasi Pegangan Portfolio Raiz \u2013 bagi Mac 2023\nClick here for English\n\n\n25-04-2023\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nPrestasi portfolio Raiz untuk 12 bulan lepas\n\n\n(31/03/2022 \u2013 31/03/2023)\n\n\n\n\n\n\nSumber\n: ASNB, abrdn, UOBAM, AHAM.\n\n\n\u00a0\n\n\nAdakah anda menggunakan Portfolio Bolehubah (Custom Portfolio)?\n\n\nPrestasi portfolio pelaburan anda hanyalah bersamaan dengan pulangan setiap dana di dalam portfolio itu mengikut peruntukan yang ditetapkan.\n\n\nSebagai contoh, anda memperuntukkan;\n\n\n\n\n\n\n\n\n20% pelaburan anda dalam dana sukuk; dan\n\n\n30% dalam dana ekuiti global islamik; dan\n\n\n50% dalam dana emas shariah.\n\n\n\n\n\n\n\n\n\u00a0\n\n\nPrestasi tahunan dana adalah (anda boleh lihat di atas);\n\n\n\n\n\n\n\n\nDana Sukuk: + 3.9% vs penanda aras +4.1%\n\n\nDana Ekuiti Dunia Islam: -3.7% vs penanda aras +1.8%\n\n\nDana Emas Syariah: +7.0% vs penanda aras +7.8%\n\n\n\n\n\n\n\n\n\u00a0\n\n\nPulangan portfolio tahunannya ialah [(+3.9% x 20%) + (-3.7% x 30%) + (+7.0% x 50%)] = +3.2%.\n\n\nPenanda aras tahunannya ialah [(+4.1% x 20%) + (+1.8% x 30%) + (+7.8% x 50%)] = +5.3%.\n\n\n\u00a0\n\n\nSekejap\u2026 penanda aras tu apa?\n\n\nPenanda aras adalah nilai indikatif keuntungan pelaburan anda yang sepatutnya. Ia adalah untuk anda membandingkan pulangan pelaburan anda (yang sebenari!) berbanding penanda arasnya.\n\n\nHarap kami membantu pemahaman anda untuk melabur dengan lebih pintar.\n\n\n\u00a0\n\n\n\n\nKami ingin mengingatkan prestasi masa lalu bukanlah petunjuk yang baik untuk menentukan prestasi masa hadapan.\n\n\nFalsafah pelaburan Raiz adalah melabur, walaupun dengan jumlah yang kecil, secara berkala untuk mengekalkan momentum.\n\n\nMempunyai disiplin menyimpan wang secara berkala adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda dalam jangka masa panjang daripada kesibukan memilih pengurus dana yang terbaik.\n\n\n\u00a0\n\n\n\n\nTiada aplikasi Raiz?\n\u00a0\n\n\nMuat turun aplikasi Raiz secara percuma:\n\u00a0\n\n\n\n\n.\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/prestasi-pegangan-portfolio-raiz-bagi-mei-2023/", "title": "Prestasi Pegangan Portfolio Raiz \u2013 bagi Mei 2023", "body": "Prestasi Pegangan Portfolio Raiz \u2013 bagi Mei 2023\nClick here for English\n\n\n20-06-2023\n\n\n\n\n\n\n\n\n\n\nPrestasi portfolio Raiz untuk 12 bulan lepas\n\n\n(31/05/2022 \u2013 31/05/2023)\n\n\n\n\n\n\nSumber\n: ASNB, abrdn, UOBAM, AHAM.\n\n\n\u00a0\n\n\nAdakah anda menggunakan Portfolio Bolehubah (Custom Portfolio)?\n\n\nPrestasi portfolio pelaburan anda hanyalah bersamaan dengan pulangan setiap dana di dalam portfolio itu mengikut peruntukan yang ditetapkan.\n\n\nSebagai contoh, anda memperuntukkan;\n\n\n\n\n20% pelaburan anda dalam dana sukuk; dan\n\n\n30% dalam dana ekuiti global islamik; dan\n\n\n50% dalam dana emas shariah.\n\n\n\n\n\u00a0\n\n\nPrestasi tahunan dana adalah (anda boleh lihat di atas);\n\n\n\n\nDana Sukuk: +4.5% vs penanda aras +7.3%\n\n\nDana Ekuiti Dunia Islam: +9.6% vs penanda aras +6.7%\n\n\nDana Emas Syariah: +9.7% vs penanda aras +11.3%\n\n\n\n\n\u00a0\n\n\nPulangan portfolio tahunannya ialah [(+4.5% x 20%) + (+9.6% x 30%) + (+9.7% x 50%)] = +8.6%.\n\n\nPenanda aras tahunannya ialah [(+7.3% x 20%) + (+6.7% x 30%) + (+6.6% x 50%)] = +9.1%.\n\n\n\u00a0\n\n\nSekejap\u2026 penanda aras tu apa?\n\n\nPenanda aras adalah nilai indikatif keuntungan pelaburan anda yang sepatutnya. Ia adalah untuk anda membandingkan pulangan pelaburan anda (yang sebenari!) berbanding penanda arasnya.\n\n\n\u00a0\n\n\nHarap kami membantu pemahaman anda untuk melabur dengan lebih pintar.\n\n\n\u00a0\n\n\n\n\nKami ingin mengingatkan prestasi masa lalu tidak semestinya petunjuk untuk menentukan prestasi masa hadapan.\n\n\nRaiz membantu anda menyimpan & melabur secara konsisten \u2013 walaupun dengan amaun yang kecil, supaya anda berjaya meneruskan momentum ini.\u00a0\nBerjaya menyimpan 5% daripada gaji anda setiap bulan adalah lebih baik\n\u00a0daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu menambah baik kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\u00a0\n\n\n\n\nTiada aplikasi Raiz?\n\u00a0\n\n\nMuat turun aplikasi Raiz secara percuma:\n\u00a0\n\n\n\n\n.\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/prestasi-pegangan-portfolio-raiz-setakat-30-november-2022/", "title": "Prestasi Pegangan Portfolio Raiz (setakat 30 November 2022)", "body": "Prestasi Pegangan Portfolio Raiz (setakat 30 November 2022)\nClick here for English\n\n\n27-12-2022\n\n\nPrestasi pegangan portfolio Raiz untuk 12 bulan lepas\n\n\n(30/11/2021 \u2013 30/11/2022)\n\n\n\n\n\n\nSumber\n: ASNB Fund Fact Sheet, Aberdeen Fund Fact Sheet, UOB Asset Management Fund Fact Sheet, Affin Hwang Asset Management Fund Fact Sheet\n\n\n\n\nKami ingin mengingatkan prestasi masa lalu bukanlah petunjuk yang baik untuk menentukan prestasi masa hadapan.\n\n\nFalsafah pelaburan Raiz adalah melabur, walaupun dengan jumlah yang kecil, secara berkala untuk mengekalkan momentum.\n\n\nMempunyai disiplin menyimpan wang secara berkala adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda dalam jangka masa panjang daripada kesibukan memilih pengurus dana yang terbaik.\n\n\n\u00a0\n\n\nPetikan dari sebuah buku\u2026\n\n\n\u201cJika anda seorang jutawan tetapi berbelanja lebih dari apa yang anda perolehi setiap bulan, maka anda berada di jalan yang salah.\n\n\nSebaliknya, jika anda tiada duit, tapi menyimpan sedikit demi sedikit setiap bulan, maka anda sedang menuju kearah kebebasan kewangan \u2013 walaupun anda bergerak perlahan.\u201d\n\n\n\u2013 Atomic Habits, oleh James Clear\n\n\n\u00a0\n\n\n\n\nTiada aplikasi Raiz?\n\u00a0\n\n\nMuat turun aplikasi Raiz secara percuma:\n\u00a0\n\n\n\n\n.\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/prestasi-pegangan-portfolio-raiz-setakat-30-september-2022/", "title": "Prestasi Pegangan Portfolio Raiz (setakat 30 September 2022)", "body": "Prestasi Pegangan Portfolio Raiz (setakat 30 September 2022)\nClick here for English\n\n\n25-10-2022\n\n\nPrestasi pegangan portfolio Raiz untuk 12 bulan lepas\n\n\n(30/09/2021 \u2013 30/09/2022)\n\n\n\n\nSumber\n: ASNB Fund Fact Sheet, Aberdeen Fund Fact Sheet, UOB Asset Management Fund Fact Sheet, Affin Hwang Asset Management Fund Fact Sheet\n\n\n\n\n\n\nKami ingin mengingatkan prestasi masa lalu bukanlah petunjuk yang baik untuk menentukan prestasi masa hadapan.\n\n\nFalsafah pelaburan Raiz adalah melabur, walaupun dengan jumlah yang kecil, secara berkala untuk mengekalkan momentum.\n\n\nMempunyai disiplin menyimpan wang secara berkala adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda dalam jangka masa panjang daripada kesibukan memilih pengurus dana yang terbaik.\n\n\n\u00a0\n\n\nTahukah Anda?\n\n\n47% dari rakyat Malaysia menghadapi kesukaran untuk mengumpul RM1,000 sebagai dana kecemasan.*\n\n\nSalah satu cara mudah untuk menanamkan tabiat menyimpan adalah dengan mengautomasikannya!\n\n\nAnda boleh mengautomasikan pelaburan dengan mudah menggunakan aplikasi Raiz. Daripada skrin Utama, klik Labur > Auto-Labur. Pilih jumlah pelaburan, dan pilih kekerapan.\n\n\nAnda juga boleh menetapkan Target Simpanan jika anda mempunyai matlamat yang spesifik dan ingin menjejakinya.\n\n\n*Sumber: Bank Negara Malaysia\n\n\n\u00a0\n\n\n\n\nTiada aplikasi Raiz?\n\u00a0\n\n\nMuat turun aplikasi Raiz secara percuma:\n\u00a0\n\n\n\n\n.\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/prestasi-pegangan-portfolio-raiz-setakat-31-disember-2022/", "title": "Prestasi Pegangan Portfolio Raiz (setakat 31 Disember 2022)", "body": "Prestasi Pegangan Portfolio Raiz (setakat 31 Disember 2022)\nClick here for English\n\n\n31-01-2023\n\n\nPrestasi pegangan portfolio Raiz untuk 12 bulan lepas\n\n\n(31/12/2021 \u2013 31/12/2022)\n\n\n\n\n\n\nSumber\n: ASNB Fund Fact Sheet, Aberdeen Fund Fact Sheet, UOB Asset Management Fund Fact Sheet, Affin Hwang Asset Management Fund Fact Sheet\n\n\n\n\nKami ingin mengingatkan prestasi masa lalu bukanlah petunjuk yang baik untuk menentukan prestasi masa hadapan.\n\n\nFalsafah pelaburan Raiz adalah melabur, walaupun dengan jumlah yang kecil, secara berkala untuk mengekalkan momentum.\n\n\nMempunyai disiplin menyimpan wang secara berkala adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda dalam jangka masa panjang daripada kesibukan memilih pengurus dana yang terbaik.\n\n\n\u00a0\n\n\nAnda tahu?\n\n\nMenurut \nRinggit Plus Malaysian Financial Literacy Survey 2022\n, 51% daripada rakyat Malaysia belum mula melabur.\n\n\nTahniah! Anda sudah selangkah lebih maju daripada ramai orang. Seterusnya? Kekalkan konsistensi. Simpan dan labur dengan kerap walaupun dengan hanya duit kecil, tidak kira keadaan pasaran!\n\n\n\u00a0\n\n\n\n\nTiada aplikasi Raiz?\n\u00a0\n\n\nMuat turun aplikasi Raiz secara percuma:\n\u00a0\n\n\n\n\n.\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/prestasi-pegangan-portfolio-raiz-setakat-31-oktober-2022/", "title": "Prestasi Pegangan Portfolio Raiz (setakat 31 Oktober 2022)", "body": "Prestasi Pegangan Portfolio Raiz (setakat 31 Oktober 2022)\nClick here for English\n\n\n29-11-2022\n\n\nPrestasi pegangan portfolio Raiz untuk 12 bulan lepas\n\n\n(31/10/2021 \u2013 31/10/2022)\n\n\n\n\n\n\nSumber\n: ASNB Fund Fact Sheet, Aberdeen Fund Fact Sheet, UOB Asset Management Fund Fact Sheet, Affin Hwang Asset Management Fund Fact Sheet\n\n\n\n\n\n\nKami ingin mengingatkan prestasi masa lalu bukanlah petunjuk yang baik untuk menentukan prestasi masa hadapan.\n\n\nFalsafah pelaburan Raiz adalah melabur, walaupun dengan jumlah yang kecil, secara berkala untuk mengekalkan momentum.\n\n\nMempunyai disiplin menyimpan wang secara berkala adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda dalam jangka masa panjang daripada kesibukan memilih pengurus dana yang terbaik.\n\n\n\u00a0\n\n\nTahukah Anda?\n\n\nSekiranya anda melabur RM1,000 setiap tahun dalam tempoh 30 tahun, dengan andaian purata pulangan 7% setahun, pelaburan anda boleh berkembang menjadi RM94,461 \u2013 semuanya dengan kuasa kompaun.\n\n\nIngat, pelaburan adalah ibarat sebuah maraton, dan bukan larian pecut. Sikit-sikit, lama-lama jadi bukit!\n\n\n\u00a0\n\n\n\n\nTiada aplikasi Raiz?\n\u00a0\n\n\nMuat turun aplikasi Raiz secara percuma:\n\u00a0\n\n\n\n\n.\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/propertyguru-ambil-alih-iproperty-malaysia/", "title": "PropertyGuru ambil alih iProperty Malaysia (minggu berakhir 01/06/2021)", "body": "PropertyGuru ambil alih iProperty Malaysia (minggu berakhir 01/06/2021)\n\n\n\u00a0\n\n\nBerikut adalah beberapa maklumat berkenaan Pelaburan dan Ekonomi:\n\n\n\n\n\n\nPropertyGuru mengambilalih iProperty Malaysia dengan memiliki kesemua saham REA Group dalam iProperty.\n\n\n\nPropertyGuru adalah syarikat pemula (\u201cstart-up company) hartanah Singapura.\n\n\nREA Group yang berpangkalan di Australia, dimiliki oleh syarikat News Corp (yang juga dimiliki oleh Rupert Murdoch), juga akan mendapat 18% kepentingan ekuiti dalam PropertyGuru.\n\n\n\n\n\n\n\n\n\n\nPergerakan FBM KLCI untuk 1 minggu lalu;\n\n\n\nIsnin, 24 Mei \u2013 1,571.8\n\n\nTue, 25 Mei \u2013 1,577.8 \u2191\n\n\nWed, 26 Mei \u2013 cuti umum, bursa ditutup.\n\n\nKhamis, 27 Mei \u2013 1,593.9 \u2191\n\n\nJumaat, 28 Mei \u2013 1,594.4 \u2191\n\n\nSat, 29 Mei \u2013 cuti umum, bursa ditutup.\n\n\nMatahari, 30 Mei \u2013 cuti umum, bursa ditutup.\n\n\nIsnin, 31 Mei \u2013 1,583.6 \u2193\n\n\n\n\n\n\n\n\n\n\nIndeks jatuh sebanyak 1.6% sebelum ditutup pada -0.7% (1,583.6 mata) disebabkan kebimbangan terhadap kerugian ekonomi yang disebabkan oleh \u201ctotal lockdown\u201d di seluruh negara yang baru sahaja diumumkan.\n\n\n\nRaiz, sebagai entiti berlesen oleh SC, akan kekal beroperasi seperti biasa sepanjang tempoh \u2018lockdown\u2019 tetapi dengan SOP terhad.\n\n\n\n\n\n\n\n\n\n\nApp untuk menyimpan dan melabur, Acorns, akan menjadi syarikat senaraian awam dengan nilai lebih USD2 bilion di Amerika Syarikat \u2013 CNBC.\n\n\n\nIa telah menarik pelaburan seperti dari PayPal Ventures, BlackRock, Ashton Kutcher, Jennifer Lopez dan Dwayne Johnson.\n\n\nAcorns dan Raiz adalah dua aplikasi pelaburan yang mempunyai asal sama.\n\n\nAcorns bermula sebagai aplikasi pelaburan mikro di AS pada 2014. Ia berkembang ke Australia sebagai Acorns Australia dan dijenamakan semula kepada Raiz pada 2018.\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nDefinisi Minggu Ini: \nPenanda Aras\n\n\nStandard yang digunakan sebagai cara untuk mengukur prestasi sesuatu pelaburan. Contohnya, FBMKLCI adalah penanda aras bagi Bursa Malaysia. Ia memberikan gambaran keseluruhan prestasi pasaran di Bursa Malaysia.\n\n\n\u00a0\n\n\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/purata-gaji-warganegara-menurun/", "title": "Purata Gaji Warganegara Menurun (minggu berakhir 10/08/2021)", "body": "Purata Gaji Warganegara Menurun (minggu berakhir 10/08/2021)\n\n\n\u00a0\n\n\nBerikut adalah beberapa maklumat berkenaan Pelaburan dan Ekonomi:\n\n\n\n\n\n\nPurata gaji rakyat Malaysia pada 2020 merosot buat kali pertama sejak 2010 \u2013 Malay Mail.\n\n\n\nIa berada pada aliran menaik sejak 2010 hingga 2019, sebelum jatuh pada tahun 2020.\n\n\n2010 = RM1,936\n\n\n2019 = RM3,224\n\n\n2020 = RM2,933\n\n\nPenurunan ini direkodkan tanpa mengira jantina, etnik, lokasi, tahap pendidikan / kemahiran, dan pada hampir semua industri.\n\n\n\n\n\n\n\n\n\n\nRizab antarabangsa Bank Negara kekal pada US$111.1 bilion pada 30 Julai 2021.\n\n\n\nKomponen utama rizab antarabangsa tersebut adalah rizab mata wang asing (US$103.2 bilion) dan emas (US$2.2 bilion).\n\n\nPemegang rizab antarabangsa semasa terbesar di dunia ialah China, dengan lebih US$3 trilion.\n\n\n\n\n\n\n\n\n\n\nDi Jepun, jangkitan COVID-19 telah melonjak di seluruh negara \u2013 NHK.\n\n\n\nBilangan kes baru melebihi 15,700 pada hari Sabtu lepas. Ia adalah rekod baru untuk dalam masa empat hari berturut-turut.\n\n\nDi AS, kes baru harian telah meningkat ke paras tertinggi enam bulan, dengan lebih daripada 100,000 jangkitan dilaporkan di seluruh negara pada 4 Ogos apabila varian Delta menjangkiti Florida dan negeri-negeri lain yang kadar vaksinasinya rendah \u2013 Reuters.\n\n\n\n\n\n\n\n\n\n\nBukalapak melambung 25% sebagai IPO terbesar Indonesia \u2013 CNA.\n\n\n\nIa adalah unicorn teknologi pertama Indonesia yang disenaraikan. Syarikat itu berjaya mengumpul AS$1.5 bilion dalam IPO terbesar di Indonesia, dengan penilaiannya pada US$6 bilion.\n\n\nPenyenaraian syarikat itu muncul disebalik US$40 bilion nilai pasaran e-dagang Indonesia yang mendadak naik apabila semakin banyak pengguna tinggal di rumah dan peralihan lebih banyak penjualan ke dalam talian ketika pandemik ini.\n\n\n\n\n\n\n\n\n\u00a0\n\n\nDefinisi Minggu Ini: \nUnicorn\n\n\nSyarikat unicorn merujuk kepada syarikat\u00a0\nstartup\u00a0\n(syarikat permulaan) yang memiliki penilaian keseluruhan melebihi AS$1 bilion.\n\n\n\u00a0\n\n\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/raiz-and-your-new-years-resolution-check-in/", "title": "Raiz and Your New Year\u2019s Resolution Check-In", "body": "Raiz and Your New Year\u2019s Resolution Check-In\n\n\n25-05-2021\n\n\nTime flies. Back in\u00a0January;\n\u00a0\n\n\n\u201cThis year, I want to lose 10kg.\u201d But in\u00a0May (after Raya!), we gained\u00a05kg instead\u2026\n\u00a0\n\n\n\u201cThis year, I want to save RM2,000.\u201d But in\u00a0April, we added RM500 credit card debt\u2026\n\u00a0\n\n\nIt\u2019s\u00a0time for a check-in!\u00a0Are you still sticking to those New Year\u2019s resolutions?\u00a0If not, how can you get your goals back on track?\n\n\n\n\nIf you have slipped, don\u2019t worry, that\u2019s normal!\n\n\nKeeping up with certain goals are very hard for some of us. That\u2019s why Raiz has features that can help us manage our finances more efficiently.\n\n\nWith\u00a0\nRaiz Savings Goal\n, you can set how much you want to save and keep track of your progress along the way. For example, you\u00a0want\u00a0RM5,000\u00a0for a new car\u00a0down payment.\u00a0So,\u00a0if you can save RM500 a month, you need\u00a010\u00a0months to achieve the goal.\n\n\n\n\nNo\n\u00a0discipline on saving\n\u00a0the\n\u00a0RM\n5\n00 a month?\u00a0\nDo it automatically\u00a0\nusing\n\u00a0the\n\u00a0\nRaiz Recurring Investment\n\u00a0\nfeature.\n\u00a0This way helps you to\u00a0\nsave first\n\u00a0and\u00a0\nspend\n\u00a0later\n\u00a0with\u00a0\nwhat\u2019s\n left after saving.\n\n\n\n\nNow you can keep up with your goals automatically and effortlessly.\u00a0\nIt\u2019s\n\u00a0never too late to start\n\u00a0\u2013 better late than never!\n\u00a0\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/raiz-app-explained-in-three-graphics/", "title": "Raiz App explained in three graphics", "body": "Raiz App explained in three graphics\n\n\n29-06-2021\n\n\nAt Raiz, we aim to make your investing journey as easy as possible\n!\n.\n\u00a0Once\u00a0you\u2019ve completed the registration and start\u00a0investing, you might think about what information you can get inside the Raiz app and how it\u00a0can\u00a0help\u00a0in\u00a0your investment journey.\n\u00a0\n\n\nSo, we prepare these three graphics from our\u00a0\nApp\u00a0Guide\n\u00a0to show some of the ways that you can interact with the Raiz App as you save and invest.\n\n\n\n\nLet\u2019s start!\n\n\n\u00a0\n\n\nHome\u00a0screen\n\u00a0\n\n\nThe Home\u00a0screen is the first screen that is displayed when you log into the app. At the top of the screen, you can navigate to the\u00a0Past and\u00a0Future screens. Next, you can see your account balance, investment performance, latest blog articles and My Finance.\n\n\n\n\nPerformance\u00a0screen\n\u00a0\n\n\nThe\u00a0Performance screen shows you how your Raiz balance has changed over time. By clicking and dragging your finger across the graph, you can see information about your balance\u00a0at\u00a0different dates. At the bottom of the screen, you can change the time period to view your balance,\u00a0starting at 1 month on the left, and then moving to 3 months, 6 months, 1 year or All-Time.\n\u00a0\n\n\n\n\nPast\u00a0screen\n\u00a0\n\n\nThe Past tab is located at the top of the\u00a0Home\u00a0screen. The Past tab shows status of your transactions \u2013 any pending and processed deposit (Buy) or withdrawal (Sell).\n\u00a0\n\n\nTo cancel transactions that are still pending, simply tap on a pending transaction and tap \u201cCancel transaction\u201d. Please note that if the \u201cCancel transaction\u201d button does not appear, your investment is being processed and can no longer be cancelled.\n\n\n\n\nFor more information on features\u00a0\nin\n\u00a0the Raiz app, please see the\u00a0\nApp Guide\n\u00a0for a\u00a0\nmore\n\u00a0\nexplanation.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/raiz-di-buletin-utama-tv3/", "title": "Raiz di Buletin Utama TV3", "body": "Raiz di Buletin Utama TV3\n\n\n22 November 2021, Buletin Utama, TV3.\n\n\nRaiz muncul di slot berita Buletin Utama, TV3. Dengan tajuk berita, \n\u2018Raiz tawar pelaburan mudah menerusi wang baki pengguna\u2019\n, Raiz membolehkan orang ramai melabur secara kecil-kecilan dan konsisten dengan hanya menggunakan wang baki perbelanjaan harian mereka.\n\n\n\n\n\u201cRaiz adalah salah satu aplikasi pelaburan mikro. Kami percaya kepada tabiat menyimpan sikit-sikit, lama-lama jadi bukit. Jika kita ingat satu ketika dahulu, tabiat menyimpan duit syiling di dalam tabung? Kami memodenkan konsep tersebut.\u201d \u2013 Aidi Izham, Ketua Pegawai Eksekutif Raiz Malaysia.\n\n\nCiri automatik pelaburan wang baki ini dikenali sebagai Auto-bundar. Ia berfungsi dengan merekod transaksi penggunaan kad bank anda dan membundarkan transaksi pembelian tersebut kepada Ringgit seterusnya. Contohnya, anda membeli kopi berharga RM3.90. Transaksi ini akan dibundarkan kepada RM4.00, dan 10 sen duit baki yang tersedia itu akan dimasukkan ke akaun pelaburan Raiz anda.\n\n\nDi slot berita itu juga, Raiz turut mengumumkan pelancaran dua fungsi baru; pertama \u2013 \u201cportfolio pelaburan bolehubah\u201d dimana pelabur memiliki lebih kawalan untuk menetapkan portfolio pelaburan sendiri. Portfolio ini juga memberikan lebih pendedahan kepada pasaran saham global.\n\n\nKedua \u2013 program Raiz Rewards, dimana apabila pelabur membeli-belah dengan rakan-rakan jenama Raiz, pelabur akan juga menerima ganjaran tunai atau \u2018cashback\u2019 yang akan dilaburkan terus ke dalam portfolio pelaburan Raiz mereka. Jadi, sambil berbelanja, mereka juga melabur!\n\n\nKonsep ini mendapat sambutan yang sangat menggalakkan oleh orang ramai. Walaupun aplikasi Raiz dilancarkan pada kemuncak pandemik, Raiz berjaya merekodkan lebih 400,000 muat turun.\n\n\n\u201cRaiz baik untuk simpanan jangka masa yang panjang, dan pada masa yang sama duit baki kita juga di labur. Bagi saya Raiz is really good.\u201d \u2013 Joel Rondidas, pengguna aplikasi Raiz.\n\n\nAyuh kita mengajak lebih ramai untuk bersama-sama membina simpanan dan pelaburan dengan berkonsepkan; sikit-sikit, lama-lama jadi bukit!\n\n\nDapatkan RM5 bonus untuk setiap kawan anda yang turut mula melabur dengan Raiz:\n\n\n\u00a0\n\n\nTerma & syarat dikenakan\n\n\n\u00a0\n\n\nBelum ada aplikasi Raiz? Muat turun sekarang dan mulakan kembara pelaburan anda bersama kami!\n\n\n\u00a0\n\n\nMuat Turun\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/raiz-kids-invest-in-your-kids-future/", "title": "Raiz Kids: Invest in Your Kid\u2019s Future!", "body": "Raiz Kids: Invest in Your Kid\u2019s Future!\n\n\nKlik sini untuk Bahasa Melayu\n\n\nRaiz Kids is a simple way to save and invest small amounts regularly for your children and/or dependents.\n\u00a0\n\n\nWe understand that life gets busy and messy, especially when you have little ones. For the parents and grandparents in our Raiz community, we know it is not simple to get started on a savings fund for your kids.\n\n\n\n\n\u00a0\n\n\nWhat is Raiz Kids?\n\u00a0\n\n\nRaiz Kids is a simple way to save and invest for your children and/or dependents who are under the age of 18.\u00a0\nRaiz Kids is not a separate account for your child\n. Instead, Raiz Kids sits within your current Raiz account as a feature in the menu.\n\u00a0\n\n\nJust like your Raiz account balance, you can\u00a0\ninvest your spare change from everyday purchases\n, set up a recurring or lump sum deposit towards your Raiz Kids.\n\n\n\u00a0\n\n\nHow does it work?\n\u00a0\n\n\nRaiz Kids works by using your pre-existing Raiz account. Through the Raiz app on your mobile or desktop, you can select the portion of your balance that goes towards the Raiz Kids saving goals. At\u00a0\nany time, you can split the portion of your current balance to Raiz Kids. Raiz Kids will then\u00a0\nequally split\n\u00a0among the dependents you have added.\n\u00a0\n\n\n\n\nFor example, if you\u00a0\nselect\n\u00a050% of your total balance to go towards your Raiz Kids and your balance is RM1\n,\n000, then RM500\n\u00a0\nwill go towards your Raiz Kids\n\u00a0goals\n. If you then put in RM10 recurring deposit, 50% of this (RM5) will also go towards the Raiz Kids\n\u00a0goals\n.\n\u00a0\n\n\nOnce your Raiz Kids reach the age of 18,\u00a0\nyou will then\u00a0\nhave the\n\u00a0option of these\u00a0\nsavings\n\u00a0\nto be\u00a0\ntransferred into their\u00a0\nRaiz\u00a0\naccount.\u00a0\nOtherwise, the\u00a0\nmoney\n\u00a0\nwill remain within your\u00a0\nRaiz\u00a0\naccount until you request a transfer.\n\n\n\n\nWhy use Raiz Kids?\n\u00a0\n\n\nWith Raiz Kids, you can apply the same Raiz philosophy of investing small amounts regularly, watching it grow for you and your children in the background of life.\n\n\nLearn to save and invest without affecting your lifestyle\n\u00a0by automatically saving and investing small amounts for your kids in the background of life with Raiz Kids!\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/raiz-kids-melabur-untuk-masa-depan-si-kecil-anda/", "title": "Raiz Kids: Melabur untuk Masa Depan Si Kecil Anda!", "body": "Raiz Kids: Melabur untuk Masa Depan Si Kecil Anda!\n\n\nClick here for English\n\n\nRaiz Kids adalah kaedah mudah untuk menyimpan & melabur untuk si kecil anda.\n\n\nKami memahami bahawa kehidupan menjadi sibuk dan tidak teratur dengan si kecil. Bagi ibu bapa mahupun datuk nenek dalam komuniti Raiz kami, kami tahu bahawa tidak mudah untuk mula dan mengurus dana simpanan untuk mereka.\n\n\n\n\n\u00a0\n\n\nApakah itu Raiz Kids?\n\n\nRaiz Kids adalah cara mudah untuk menyimpan dan melabur untuk si kecil anda yang berumur di bawah 18 tahun. \nRaiz Kids bukanlah akaun yang berasingan.\n Ianya adalah sebahagian daripada akaun Raiz anda sebagai sub-akaun baru.\n\n\nSama seperti akaun Raiz anda, anda boleh menyimpan & melabur menggunakan duit baki harian anda, set pelaburan berkala harian, mingguan, bulanan, ataupun melabur sekaligus ke dalam akaun Raiz Kids anda.\n\n\n\u00a0\n\n\nBagaimana Raiz Kids berfungsi?\n\n\nMelalui akaun Raiz anda yang sedia ada, buka akaun Raiz Kids untuk si kecil anda (hanya set Nama dan Tarik Lahir). Kemudian set peratusan simpanan Raiz Kids anda. Setiap kali anda membuat deposit ke dalam akaun Raiz anda, peratusan ini akan masuk ke dalam akaun Raiz Kids.\n\n\nAnda boleh membuka lebih dari satu akaun Raiz Kids \u2013 kami akan membahagikan simpanan tersebut secara sama rata kepada bilangan \u201ckids\u201d yang telah anda buka mengikut peratusan yang telah anda set kan.\n\n\n\n\nContohnya, jika anda menetapkan RM100 daripada baki akaun Raiz anda yang berjumlah RM1,000, 10% (RM100/RM1,000) daripadanya akan diletakkan dalam Raiz Kids. Apabila anda membuat deposit RM10, RM1 (10%) akan dimasukkan ke dalam Raiz Kids.\n\n\n\n\nApabila anak anda mencapai usia 18 tahun, mereka kemudiannya dapat membuka akaun Raiz mereka sendiri. Anda mempunyai pilihan untuk simpanan Raiz Kids yang telah anda buat ini untuk dipindahkan ke dalam akaun mereka. Jika tidak, simpanan ini akan kekal di dalam akaun anda \u2013 ia tidak akan dipindahkan tanpa izin anda.\n\n\n\u00a0\n\n\nApakah kelebihan menggunakan Raiz Kids?\n\n\nMelalui Raiz Kids, anda dapat menerapkan falsafah Raiz yang sama iaitu \u201csikit-sikit, lama-lama jadi bukit\u201d. Lihat ia berkembang untuk si kecil tanpa memberi kesan kepada gaya hidup anda.\n\n\nBergantung kepada usia si kecil, anda boleh melihat anggaran matlamat simpanan si kecil apabila mereka mencapai umur 18 tahun.\n\n\nPerlu diingat, prestasi masa lalu bukanlah petunjuk untuk pulangan masa hadapan. Namun, kami percaya pelaburan secara konsisten,\u00a0 walaupun dengan amaun yang kecil, adalah salah satu kunci untuk membina simpanan yang lebih sihat dalam jangka masa panjang.\n\n\n\u00a0\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-3-3-sale-has-started-check-this-out/", "title": "Raiz Rewards: 3.3 sale has started?! Check this out.", "body": "Raiz Rewards: 3.3 sale has started?! Check this out.\n\n\n\n\nKlik sini untuk Bahasa Melayu\n\n\n03/03/2023\n\n\n\u00a0\n\n\nRaiz Rewards: 3.3 sale has started?! Check this out.\n\n\n\u00a0\n\n\nThe 3.3 sale starts now!\n Check out more amazing promotions below by our brand partners and get cash bonus (or cashback) when you shop using \n\u201c\nRaiz Rewards\n\u201d\n! Your cash bonus will get invested into your Raiz account automatically.\n\n\n\n\nJust go to \n\u201c\nRaiz Rewards\n\u201d\n in your app, search for your favourite brand, and click the \u201c\nShop Online Here\n\u201d button. We\u2019ll direct you to the brand\u2019s app or website. Shop like normal, and you will be on your way to get your cashback*.\n\n\nSo, as you shop, you invest!\n\n\n*Terms & Conditions apply.\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nLazada\n\n\n\n\n(+up to 9.1% invested)\n\n\nSpecial Promotions: Epic \n11\nth\n Birthday Sale!\n\n\n\n\n50% off\n stackable discounts \n(\nLazada bonus, cashback, coins discount, bank & store vouchers)\n\n\nEveryday \ncashback.\n\n\nFree shipping\n with no minimum spend.\n\n\n\n\n\u00a0\n\n\nShopee\n\n\n\n\n(+up to 6.37% invested)\n\n\nSpecial Promotions: 3.3 Mega Shopping Sale\n\n\n\n\nFree shipping\n with no minimum spend.\n\n\n100% coins cashback.\n\n\nUp to \nRM130 rebate vouchers\n to be claimed and used now. First come first served!\n\n\nExclusive promo code only for Raizers \u2013 view it on your Raiz app!\n\n\n\n\n\u00a0\n\n\nZalora \n\n\n\n\n\n\n(+up to 2.45% invested)\n\n\nSpecial Promotion: 3.3 Sale\n\n\n\n\nGet up to \n80%\n \noff\n your purchases from Zalora\u2019s 3.3 sale!\n\n\nBrowse top brands with just \nunder RM133\n\n\nSuper crazy daily deals\n at 3pm\n\n\nNow until 7 Mar 2023\n\n\n\n\n\u00a0\n\n\nTrip.com\n\n\n\n\n(+up to 2.45% invested)\n\n\nSpecial Promotion: 3.3 Super Saver Sale\n\n\n\n\nHotel flash deals for as low as \nRM33\n\n\nUse promo codes and get\n up to RM100 off\n for flights and hotel bookings\n\n\nValid only until today (3 Mar 2023)\n\n\n\n\n\n\n\u00a0\n\n\nTrapo \n\n\n\n\n\n\n(+3.43% invested)\n\n\nSpecial Deals: 3.3 \nSale\n\n\n\n\n13% off\n on any items\n\n\nValid only until 5 Mar 2023\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nNeed more details?\n\n\n\n\nRead the FAQ on Raiz Rewards\u00a0\nhere\n.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nWant to use Raiz Rewards but don\u2019t have the Raiz App?\n\n\nDownload it for free in the App store or the Webapp \nhere.\n\n\n\u00a0\n\n\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-3-jenama-baruuu-dapatkan-bonus-tunai-sehingga-4-9/", "title": "Raiz Rewards: 3 Jenama Baruuu \u2013 Dapatkan Bonus Tunai Sehingga 4.9%!", "body": "Raiz Rewards: 3 Jenama Baruuu \u2013 Dapatkan Bonus Tunai Sehingga 4.9%!\n\n\n\n\n\n\n\n\n\n\n\n\nClick here for English\n\n\n27/01/2023\n\n\n\u00a0\n\n\nRaiz Rewards: 3 Jenama Baruuu \u2013 Dapatkan Bonus Tunai Sehingga 4.9%!\n\n\n\u00a0\n\n\nTerdapat tambahan 3 jenama baru di Raiz Rewards \u2013 hanya untuk anda\n: Tiqets, Guess,\n dan \nClub21!\n\n\nDapatkan bonus tunai (atau \n\u201ccashback\u201d\n) apabila anda berbelanja dengan menggunakan \u201c\nRaiz Rewards\n\u201d\u00a0 Bonus tunai anda akan dilaburkan ke dalam akaun Raiz anda secara automatik.\n\n\n\n\nPergi ke \u201c\nRaiz Rewards\n\u201d di dalam aplikasi Raiz, pergi ke jenama kegemaran anda, dan klik \u201c\nShop Online Here\n\u201d. Kami akan membawa anda ke aplikasi/laman web rakan jenama kami. Berbelanjalah seperti biasa, dan anda akan dalam perjalanan untuk menerima bonus tunai. *\n\n\nJadi, sambil anda membeli, anda melabur!\n\n\n*Tertakluk pada terma & syarat.\n\n\n\n\n\n\n\u00a0\n\n\n\n\nTiqets\n\n\n\n\n(+4.9% akan dilaburkan)\n\n\nTiqets \nadalah platform tempahan dalam talian untuk muzium dan tarikan yang menghubungkan pelancong di seluruh dunia dengan lebih banyak cara untuk mendalami budaya.\n\n\nTempah dalam talian sekarang dengan\u00a0\nTiqets\n melalui Raiz Rewards dan dapatkan bonus tunai\u00a0\n4.9%\n (daripada jumlah pembelian anda) dilaburkan semula ke dalam akaun Raiz anda.\n\n\n\u00a0\n\n\nGuess\n\n\n\n\n\n\n(+4.2% akan dilaburkan)\n\n\nGuess\n menyediakan koleksi gaya hidup pakaian kontemporari, denim, beg tangan, jam tangan, kaca mata, kasut dan pelbagai produk lain.\n\n\nBeli dalam talian sekarang dengan\u00a0\nGuess\n melalui Raiz Rewards dan dapatkan bonus tunai\u00a0\n4.2%\n (daripada jumlah pembelian anda) dilaburkan semula ke dalam akaun Raiz anda.\n\n\n\u00a0\n\n\nClub21\n\n\n\n\n(+4.2% akan dilaburkan)\n\n\nClub21\n adalah peneraju dalam pasaran fesyen mewah yang menguruskan lebih daripada 30 jenama dan mempunyai lebih daripada 200 kedai berjenama di seluruh dunia.\n\n\nBeli dalam talian sekarang dengan\u00a0\nClub21\n melalui Raiz Rewards dan dapatkan bonus tunai\u00a0\n4.2%\n (daripada jumlah pembelian anda) dilaburkan semula ke dalam akaun Raiz anda.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nIngin tahu lebih lanjut?\n\n\n\n\nBaca Soalan Lazim di \nsini\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\nIngin menggunakan Raiz Rewards tetapi tiada aplikasi Raiz?\n\n\nMuat turun dengan percuma di \u2018\nApp \nstore\u2019 atau \u2018\nWebapp\u2019 \nmenggunakan pautan di \nsini\n:\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nMaklumat\u00a0\nPenting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\n\n\n\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-4-new-deals-for-you/", "title": "Raiz Rewards: 4 new deals for you!", "body": "Raiz Rewards: 4 new deals for you!\n\n\n\n\nKlik sini untuk Bahasa Melayu\n\n\n10/03/2023\n\n\nRaiz Rewards: 4 new deals for you!\n\n\n\u00a0\n\n\nCheck out more amazing deals from our brand partners! Get cash bonus (or cashback) when you shop using \n\u201c\nRaiz Rewards\n\u201d\n! Your cash bonus will get invested into your Raiz account automatically.\n\n\n\n\nJust go to \n\u201c\nRaiz Rewards\n\u201d\n in your app, search for your favourite brand, and click the \u201c\nShop Online Here\n\u201d button. We\u2019ll direct you to the brand\u2019s app or website. Shop like normal, and you will be on your way to get your cashback*.\n\n\nSo, as you shop, you invest!\n\n\n*Terms & Conditions apply.\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nTotal Image\n\n\n\n\n(+3.92% invested)\n\n\nSpecial Promotion: Buy 1 Free 1\n\n\n\n\nBuy 1 free 1 \nin a limited edition Promo Pack.\n\n\nGet \nfree shipping\n.\n\n\nPromotion lasts until 30 April 2023.\n\n\n\n\n\u00a0\n\n\nRoyalePharma\n\n\n\n\n(+3.43% invested)\n\n\nSpecial Promotion: #RoyaleDeals for Her\n\n\n\n\nGet \nup to 50% discount\n for selected products.\n\n\nUse code \nROYALEIWD2023 \nand get RM5 OFF with a minimum purchase of RM160.\n\n\nPromotion lasts until 1 April 2023.\n\n\n\n\n\u00a0\n\n\nYoubeli \n\n\n\n\n\n\n(+2.45% invested)\n\n\nSpecial Promotion: RM20 Gila Sale \n\n\n\n\nGet various products \nunder RM20 \nwith \nfree shipping\n.\n\n\nUse code \nybgilafs4\n and get free shipping (capped at RM4) with a minimum order of RM40.\n\n\nUse code \nybgilafs8\n and get free shipping (capped at RM8) with a minimum order of RM70.\n\n\nPromotion lasts until 12 March 2023.\n\n\n\n\n\u00a0\n\n\nKKday.com \n\n\n\n\n(+up to 2.45% invested)\n\n\nSpecial Promotion: March Better Deals with KKday \n\u26a1\n\n\n\n\nCheck out the best places to visit in the top 3 cities in Australia: Melbourne, Sydney, and Perth.\n\n\nGet 15% off\n on Melbourne, Sydney & Perth tours.\n\n\nPromotion lasts until 31 March 2023.\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nNeed more details?\n\n\n\n\nRead the FAQ on Raiz Rewards\u00a0\nhere\n.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nWant to use Raiz Rewards but don\u2019t have the Raiz App?\n\n\nDownload it for free in the App store or the Webapp \nhere.\n\n\n\u00a0\n\n\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-4-tawaran-terkini-untuk-anda/", "title": "Raiz Rewards: 4 tawaran terkini untuk anda!", "body": "Raiz Rewards: 4 tawaran terkini untuk anda!\n\n\n\n\n\n\n\n\n\n\n\n\nClick here for English\n\n\n10/03/2023\n\n\n\u00a0\n\n\nRaiz Rewards: 4 tawaran terkini untuk anda!\n\n\n\u00a0\n\n\nLihat promosi istimewa dari rakan jenama kami! Dapatkan bonus tunai apabila anda membuat pembelian menggunakan \u201c\nRaiz Rewards\n\u201d. Bonus tunai anda akan dilaburkan ke dalam akaun Raiz anda secara automatik.\n\n\n\n\nPergi ke \u201c\nRaiz Rewards\n\u201d di dalam aplikasi Raiz, pergi ke jenama kegemaran anda, dan klik \u201c\nShop Online Here\n\u201d. Kami akan membawa anda ke aplikasi/laman web rakan jenama kami. Berbelanjalah seperti biasa, dan anda akan dalam perjalanan untuk menerima bonus tunai. *\n\n\nJadi, sambil anda membeli, anda melabur!\n\n\n*Tertakluk pada terma & syarat.\n\n\n\n\n\n\n\u00a0\n\n\n\n\nTotal Image\n\n\n\n\n\n\n\n\n\n\n\n\n(+3.92% akan dilaburkan)\n\n\nPromosi Istimewa: Beli 1 Percuma 1\n\n\n\n\nBeli 1 percuma 1\n untuk Pek Promosi edisi terhad.\n\n\nDapatkan \npenghantaran percuma\n.\n\n\nPromosi berlangsung sehingga 30 April 2023.\n\n\n\n\n\n\n\n\n\u00a0\n\n\nRoyalePharma \n\n\n\n\n(+3.43% akan dilaburkan)\n\n\nPromosi Istimewa: #RoyaleDeals for Her \n\n\n\n\nDapatkan \ndiskaun\n \nsehingga 50% \nuntuk produk terpilih.\n\n\nGunakan kod \nROYALEIWD2023\n dan dapatkan \ndiskaun RM5\n dengan pembelian minima RM160.\n\n\nPromosi berlangsung sehingga 1 April 2023.\n\n\n\n\n\n\n\n\n\u00a0\n\n\nYoubeli \n\n\n\n\n\n\n(+2.45% akan dilaburkan)\n\n\nPromosi Istimewa: Gila Sale RM20\n\n\n\n\nDapatkan pelbagai produk di \nbawah RM20\n dengan \npenghantaran percuma\n.\n\n\nGunakan kod \nybgilafs4\n dan dapatkan penghantaran percuma (dihadkan kepada RM4) dengan pesanan minima RM40.\n\n\nGunakan kod \nybgilafs8\n dan dapatkan penghantaran percuma (dihadkan kepada RM8) dengan pesanan minima RM70.\n\n\nPromosi berlangsung sehingga 12 Mac 2023.\n\n\n\n\n\u00a0\n\n\nKKday.com \n\n\n\n\n(+sehingga 2.45% akan dilaburkan)\n\n\nPromosi Istimewa: March Better Deals with KKday \n\u26a1\n\n\n\n\nLihat tempat menarik untuk dilawati di 3 bandar terkenal Australia: Melbourne, Sydney, dan Perth.\n\n\nDapatkan \ndiskaun 15%\n untuk lawatan di Melbourne, Sydney & Perth.\n\n\nPromosi berlangsung sehingga 31 Mac 2023.\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nIngin tahu lebih lanjut?\n\n\n\n\nBaca Soalan Lazim di \nsini\n.\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\u00a0\n\n\nIngin menggunakan Raiz Rewards tetapi tiada aplikasi Raiz?\n\n\nMuat turun dengan percuma di \u2018\nApp \nstore\u2019 atau \u2018\nWebapp\u2019 \nmenggunakan pautan di \nsini.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nMaklumat\u00a0\nPenting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\n\n\n\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-7-7-sale-starts-now/", "title": "Raiz Rewards: 7.7 sale starts NOW!", "body": "Raiz Rewards: 7.7 sale starts NOW!\n\n\n\n\nKlik sini untuk Bahasa Melayu\n\n\n07/07/2023\n\n\n\u00a0\n\n\nRaiz Rewards: 7.7 sale starts NOW!\n\n\n\u00a0\n\n\nIt\u2019s time for the 7.7 Sale! Are you ready? Check out the ongoing 7.7 sale by our 7 brand partners below! Shop online now and get cash bonus (or cashback) when you shop using \u201c\nRaiz\n\u201d! Your cashback will go into your Raiz account and get invested automatically.\n\n\n\n\nJust go to \n\u201c\nRaiz Rewards\n\u201d\n in your app, search for your favourite brand, and click the \u201c\nShop Online Here\n\u201d button. We\u2019ll direct you to the brand\u2019s app/website. Shop like normal, and you will be on your way to get your cashback*. \nNo registration needed! \n\n\nSo, as you shop, you invest! It\u2019s as easy as 123\n\n\n\u00a0\n\n\nShopee \n(+up to 4.55% invested)\n\n\n\n\n7.7 Fashion & Beauty festival\n\n\n\n\nFree shipping \nwith no minimum spend\n\n\nGet \n70% off\n when you claim vouchers from the fashion & beauty category\n\n\nGet \nadditional\n \nRM7 off\n with a minimum spend of RM50\n\n\n\n\n\n\n\n\n\u00a0\n\n\nLazada \n(+up to 6.00% invested)\n\n\n\n\n7.7 Sale Terhangat!\n\n\n\n\nGet \nLazada Bonus RM9 off\n for every RM90 spent\n\n\nLazada \ncashback of up to 50%\n\n\nFast & free shipping\n with a minimum purchase of RM8\n\n\nBank vouchers\n of up to \nRM50\n\n\nLazcoins \ndiscount\n of \nup to 70%\n\n\n\n\n\u00a0\n\n\nWatsons\n (+1.05% invested)\u00a0\n\n\n\n\n7.7 Mid-year sale\n\n\n\n\n1-Day Only Promo Code\n special for this 7.7!\n\n\nUse code \n77XX77\n & get \nRM11 off\n with a minimum spend of RM107*\n\n\nUse code \n7XX7XX\n & get \nRM21 off\n with a minimum spend of RM177*\n\n\nGet \nfree shipping\n with a minimum spend of RM100\n\n\n\n\n*limited to only \n2000\n redemptions\n\n\n\u00a0\n\n\nZalora \n(+3% invested)\n\n\n\n\n\n\nZalora 7.7 Sale\n\n\n\n\nGet\n up to 80% off\n\n\nSuper crazy deals\n at 5pm\n\n\nAdd to cart & checkout from \nnow until 9 July\n\n\n\n\n\n\n\u00a0\n\n\nSenheng \n(+up to 3.50% invested)\n\n\n\n\n\n\n\n\n7.7 Double Madness\n\n\n\n\nOnline exclusive vouchers of \nup to RM200\n (limited quantity)\n\n\nS-Coin \ncashback\n of \nup to 50%\n\n\nFree extra 1 year warranty\n for PlusOne members\n\n\nPromotion valid from \nnow until 9 July\n\n\n\n\n\u00a0\n\n\nBig Pharmacy \n\u00a0(+1.40 % invested)\u00a0\n\n\n\n\n\n\n7.7 Sales\n\n\n\n\nGet \nup to 50% off \non this 7.7 with\n Big Pharmacy\n\n\nGet \nRM7\n \noff\n when you use code \nJULYDD7 \nwith a minimum spend of RM120\n\n\nGet \nRM17 off\n when you use code \nJULYDD17\n with a minimum spend of RM240\n\n\nGet \nRM27 off\n when you use code \nJULYDD27\n with a minimum spend of RM340\n\n\n\n\n\n\n\u00a0\n\n\nTrapo \n(+3.50% invested)\n\n\n\n\n\n\n\n\n7.7 Sales\n\n\n\n\nGet \n13% off \nstorewide (no promo code required)\n\n\nValid from \nnow until 8 July\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\n\n\n*Your Raiz Rewards will be credited into your Raiz account within 3 months of purchase unless otherwise specified. For more details, please check out the T&Cs within the Raiz Rewards section for each brand.\n\n\n\u00a0\n\n\nNeed more details?\n\n\n\n\n\n\nRead the FAQ on Raiz Rewards\u00a0\nhere\n.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nWant to use Raiz Rewards but don\u2019t have the Raiz App?\n\n\nDownload it for free in the App store or the Webapp \nhere.\n\n\n\u00a0\n\n\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-add-to-cart-but-also-spend-smart/", "title": "Raiz Rewards: Add-to-cart, but also SPEND SMART!", "body": "Raiz Rewards: Add-to-cart, but also SPEND SMART!\n\n\n\n\nKlik sini untuk Bahasa Melayu\n\n\n15/07/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Add-to-cart, but also SPEND SMART!\n\n\n\u00a0\n\n\nHere\u2019s the thing: \nPrices of goods keep rising. Our income? Not so much.\n\n\nHere\u2019s what we can do:\n\u00a0Spend smarter!\n\n\n\n\nTake advantage of these special deals by our brand partners so that you can save more. On top of that, earn cash rewards when you shop online now using Raiz! Your cashback will go into your Raiz account and will get invested automatically.\n\n\n\n\nJust go to \n\u201c\nRaiz Rewards\n\u201d\n in your app, search for your favourite brand, and click the \u201c\nShop Online Here\n\u201d button. We\u2019ll direct you to the brand\u2019s app/website. Shop like normal, and you will be on your way to get your cashback*. \nNo registration needed!\n\n\n\n\nSo, as you spend, you invest! It\u2019s as easy as 123.\n\n\n\u00a0\n\n\nSpend on your groceries smarter!\n\n\n\n\n\n\nLazada\u2019s Groceries Special Deal \n (+up to 6.00% invested)\n\n\n\n\nRM5 voucher\n with a minimum spend of RM80\n\n\nRM8 voucher\n with a minimum spend of RM130\n\n\nGet \nup to 80%\n off for Household Cleaning Supplies\n\n\nGet \n5% off\n for Fresh Food items\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\nLotus\u2019s Lebih Murah Deals \n(+1.05% invested)\n\n\n\n\nGet \nup to 50%\n off storewide\n\n\nGet \nRM10 off\n with a minimum purchase of RM250\n\n\nGet \nRM15 off\n with a minimum purchase of RM380\n\n\nPromotion lasts until 16 July 2023\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\nGet all your necessities on Shopee Mall Day \u2013 only on 15 July 2023!\n\n\n(+up to 4.55% invested)\n\n\n\n\n\n\nPetPet Official Store\n\n\n\n\nGet \n8% off\n with a minimum spend of RM70\n\n\nGet \n11% of\n with a minimum spend of RM130\n\n\nGet \n13% off\n with a minimum spend of RM160\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\nCOSRX Official Store\n\n\n\n\nStorewide \ndiscount of up to 53%\n\n\nFree shipping\n for all orders\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\n\n\n*Your Raiz Rewards will be credited into your Raiz account within 3 months of purchase unless otherwise specified. For more details, please check out the T&Cs within the Raiz Rewards section for each brand.\n\n\n\u00a0\n\n\nNeed more details?\n\n\n\n\n\n\nRead the FAQ on Raiz Rewards\u00a0\nhere\n.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nWant to use Raiz Rewards but don\u2019t have the Raiz App?\n\n\nDownload it for free in the App store or the Webapp \nhere.\n\n\n\u00a0\n\n\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-add-to-cart-dan-berbelanja-cermat/", "title": "Raiz Rewards: \u2018Add-to-cart\u2019 dan BERBELANJA CERMAT!", "body": "Raiz Rewards: \u2018Add-to-cart\u2019 dan BERBELANJA CERMAT!\n\n\n\n\n\n\n\n\n\n\n\n\nClick here for English\n\n\n15/07/2023\n\n\n\u00a0\n\n\nRaiz Rewards: \u2018Add-to-cart\u2019 dan BERBELANJA CERMAT!\n\n\n\u00a0\n\n\nMasalahnya sekarang: \nHarga barang asyik naik je. Gaji tak naik-naik.\n\n\nApa yang boleh kita buat:\n\u00a0Berbelanja dengan bijak!\n\n\n\n\nAlang-alang ada promosi ni, jom beli barang keperluan supaya boleh jimat dengan lebih banyak lagi. Dan yang lagi best, boleh dapat bonus tunai percuma. Hanya perlu \nmembeli sekarang dengan rakan jenama kami untuk \ndapatkan bonus tunai apabila anda membuat pembelian melalui \nRaiz\n! Bonus tunai anda akan dimasuk dan dilaburkan ke dalam akaun Raiz anda secara automatik.\n\n\nPergi ke \u201c\nRaiz Rewards\n\u201d di dalam aplikasi Raiz, pergi ke jenama kegemaran anda, dan klik \u201c\nShop Online Here\n\u201d.Kami akan membawa anda ke aplikasi/laman web rakan jenama kami. Berbelanjalah seperti biasa, dan ganjaran tunai anda akan dalam perjalanan ke akaun Raiz anda. \nTiada pendaftaran diperlukan! \n\n\nJadi, sambil anda membeli, anda melabur! Mudahkan nak melabur sekarang?\n\n\n\n\n\n\n\u00a0\n\n\n\n\nBerbelanja barang runcit dengan lebih bijak bersama Lazada & Lotus\u2019s\n\n\n\n\n\n\n\n\n\n\nTawaran Khas \nLazada\u2019s Groceries \n(+sehingga 6.00% akan dilaburkan)\n\n\n\n\nBaucar RM5\n dengan pembelian minima RM80\n\n\nBaucar RM8\n dengan pembelian minima RM130\n\n\nPotongan sehingga 80%\n untuk Barangan Pembersihan Rumah\n\n\nPotongan 5\n% untuk Makanan Segar\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\nTawaran Lotus\u2019s Lebih Murah \n(+1.05% akan dilaburkan)\n\n\n\n\nPotongan \nsehingga 50%\n\n\nPotongan RM10\n dengan pembelian minima RM250\n\n\nPotongan RM15\n dengan pembelian minima RM380\n\n\nPromosi berlangsung sehingga 16 Julai 2023\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\nDapatkan barangan keperluan pada Shopee Mall Day \u2013 hanya pada 15 Julai 2023!\n\n\n(+sehingga\u00a0 4.55% akan dilaburkan)\n\n\n\n\n\n\nPetPet Official Store \u2013 diskaun sehingga 29% \n\n\n\n\nPotongan 8%\n dengan pembelian minima RM70\n\n\nPotongan 11%\n dengan pembelian minima RM130\n\n\nPotongan 13%\n dengan pembelian minima 160\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\nCOSRX Official Store\n\n\n\n\nDiskaun \nsehingga 53%\n\n\nPenghantaran percuma\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\n\n\n*Raiz Rewards anda akan dimasukkan ke dalam akaun Raiz anda dalam tempoh 3 bulan dari tarikh pembelian kecuali dinyatakan sebaliknya. Untuk maklumat lanjut, sila lihat Terma & Syarat di bahagian Raiz Rewards untuk setiap jenama.\n\n\nIngin tahu lebih lanjut?\n\n\n\n\n\n\nBaca Soalan Lazim di \nsini\n.\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\u00a0\n\n\nIngin menggunakan Raiz Rewards tetapi tiada aplikasi Raiz?\n\n\nMuat turun dengan percuma di \u2018\nApp \nstore\u2019 atau \u2018\nWebapp\u2019 \nmenggunakan pautan di \nsini.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nMaklumat\u00a0\nPenting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\n\n\n\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-ahoy-4-new-brands-on-board/", "title": "Raiz Rewards: Ahoy! 4 New Brands on Board!", "body": "Raiz Rewards: Ahoy! 4 New Brands on Board!\n\n\n\n\nKlik sini untuk Bahasa Melayu\n\n\n15/06/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Ahoy! 4 New Brands on Board! \n\n\n\u00a0\n\n\nCheck out our 4 NEW brand partners \u2013 Senheng Marketplace, Easybook, Cake Together & Udemy!\n Shop & book online now with our brand partners and get cash reward (or cashback)! Your cash reward will be credited into your Raiz account and get invested automatically.\n\n\n\n\nJust go to \n\u201c\nRaiz Rewards\n\u201d\n in your app, search for your favourite brand, and click the \u201c\nShop Online Here\n\u201d button. We\u2019ll direct you to the brand\u2019s app/website. Shop like normal, and you will be on your way to get your cashback*. \nNo registration needed! \n\n\nSo, as you shop, you invest! It\u2019s as easy as 123\n\n\n\u00a0\n\n\nSenheng Marketplace \n(+up to 3.50% invested)\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\nDiscover a variety of home and electrical appliances at \nSenheng\n \nMarketplace\n, one of the leading consumer electronics chain stores in Malaysia.\n\n\n\n\n\n\n\u00a0\n\n\nEasybook \n(+2.10% invested)\n\n\n\n\n\u00a0\n\n\n\n\nThe largest online transport booking site in Southeast Asia, offering the best travel deals for bus tickets.\n\n\n\n\n\u00a0\n\n\nCake Together \n(+RM3.50 invested)\u00a0\n\n\n\n\n\u00a0\n\n\n\n\nCake Together\n is Malaysia\u2019s premier one-stop birthday solution provider! From selecting your birthday cake to gift options, they have all!\n\n\nPsssttt\u2026Use this promo code \n\ud83d\udc49\ud83c\udffb CTXIAFATHERSDAY10 \n\ud83d\udc48\ud83c\udffb for \n10% discount\n on all Father\u2019s Day Collection products.No minimum purchases, valid until 18 June 2023.\n\n\n\n\n\u00a0\n\n\nUdemy \n(+3.50% invested)\n\n\n\n\n\n\n\u00a0\n\n\n\n\nUdemy \nprovides a wide range of online learning courses & classes with 213,000 types of courses and 62 million users worldwide.\n\n\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\n\n\n*Your Raiz Rewards will be credited into your Raiz account within 3 months of purchase unless otherwise specified. For more details, please check out the T&Cs within the Raiz Rewards section for each brand.\n\n\n\u00a0\n\n\nNeed more details?\n\n\n\n\n\n\nRead the FAQ on Raiz Rewards\u00a0\nhere\n.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nWant to use Raiz Rewards but don\u2019t have the Raiz App?\n\n\nDownload it for free in the App store or the Webapp \nhere.\n\n\n\u00a0\n\n\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-attenzione-its-time-for-9-9-deals/", "title": "Raiz Rewards: Attenzione! It\u2019s time for 9.9 deals!", "body": "Raiz Rewards: Attenzione! It\u2019s time for 9.9 deals!\n\n\n\n\nKlik sini untuk Bahasa Melayu\n\n\n08/09/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Attenzione! It\u2019s time for 9.9 deals!\n\n\n\u00a0\n\n\nMay I get your attention please? \nGet ready for the big 9.9 sale tomorrow! Don\u2019t miss your chance to get the best deals \ud83d\ude09 Just browse, click add-to-cart and check-out on 9.9!\n\n\nOn top of that, get cash bonus (or cashback) when you shop using Raiz! Your cashback will go into your Raiz account and will get invested automatically.\n\n\n\n\nJust go to \n\u201c\nRaiz Rewards\n\u201d\n in your app, search for your favourite brand, and click the \u201c\nShop Online Here\n\u201d button. We\u2019ll direct you to the brand\u2019s app/website. Shop like normal, and you will be on your way to get your cashback*. \nNo registration needed!\n\n\n\n\n\n\nSo, as you shop, you invest! It\u2019s as easy as 123.\n\n\n\u00a0\n\n\n\n\nDon\u2019t miss out on these deals!\n\n\nShopee (+up to 4.55% will be invested)\n\n\n\n\n\n\nUp to 50% off\n during Shopee Live at 8pm daily\n\n\n90% off d\naily promotion\n\n\nFree shipping\n with no minimum spend\n\n\nPromotion lasts until 9 September 2023\n\n\n\n\n\u00a0\n\n\nZalora (+3.00% will be invested)\n\n\n\n\n\n\nUp to 90% off\n\n\nFlat \nRM29\n deals\n\n\nCrazy daily offers\n at 5pm & 7pm\n\n\nBuy 2 get 1 free\n special\n\n\n\n\n\u00a0\n\n\nPuma (+2.1% will be invested)\n\n\n\n\n\n\nGet \n50% off\n everything (promo code: \nPUMA99\n)\n\n\nPromotion lasts until 11 September 2023\n\n\n\n\n\u00a0\n\n\nAdidas (+2.1% will be invested)\n\n\n\n\n\n\nUp to 50% off\n for selected products\n\n\nExtra 20% off\n for AdiClub Members who checks-out on 9 September 2023\n\n\nStore promotion lasts until 17 September 2023\n\n\n\n\n\u00a0\n\n\nJD Sports (+up to 2.45% will be invested)\n\n\n\n\n\n\nGet \nRM100 off\n with min. spend RM600 (promo code: \nMY100\n)\n\n\nPromotion lasts until 9 September 2023\n\n\n\n\n\u00a0\n\n\nSports Direct (+up to 2.45% will be invested)\n\n\n\n\n\n\nUp to 50% off\n\n\nExtra 30% off\n with min. purchase of 3 items\n\n\nFree shipping\n (min. spend RM300)\n\n\nPromotion lasts until 9 September 2023\n\n\n\n\n\u00a0\n\n\nWatsons (+1.05% will be invested)\n\n\n\n\n\n\nUp to 50% off\n for cosmetics, healthcare, and bath care\n\n\nUp to 40%\n off for skincare\n\n\nPromotion lasts until 11 September 2023\n\n\n\n\n\u00a0\n\n\nEnfa (+up to 3.5% will be invested)\n\n\n\n\n\n\nUp to 20% off\n sitewide\n\n\nDiscount \nvouchers up to RM60 off\n\n\nPromotion lasts until 14 September 2023\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\n\n\n*Your Raiz Rewards will be credited into your Raiz account within 3 months of purchase unless otherwise specified. For more details, please check out the T&Cs within the Raiz Rewards section for each brand.\n\n\n\u00a0\n\n\nNeed more details?\n\n\n\n\n\n\nRead the FAQ on Raiz Rewards\u00a0\nhere\n.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nWant to use Raiz Rewards but don\u2019t have the Raiz App?\n\n\nDownload it for free in the App store or the Webapp \nhere.\n\n\n\u00a0\n\n\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-attenzione-masa-untuk-tawaran-9-9/", "title": "Raiz Rewards: Attenzione! Masa untuk tawaran 9.9!", "body": "Raiz Rewards: Attenzione! Masa untuk tawaran 9.9!\n\n\n\n\n\n\n\n\n\n\n\n\nClick here for English\n\n\n08/09/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Attenzione! Masa untuk tawaran 9.9!\n\n\n\u00a0\n\n\nPerhatian semua! \nBersedia untuk tawaran 9.9 esok ! Jangan lepaskan peluang anda untuk mendapatkan tawaran terbaik \ud83d\ude09 Hanya pilih, \nadd-to-cart\n dan \ncheck-out\n pada 9.9!\n\n\nDapatkan juga bonus tunai apabila anda membuat tempahan melalui Raiz. Bonus tunai anda akan dimasukkan dan dilaburkan ke dalam akaun Raiz anda secara automatik!\n\n\n\n\nPergi ke Raiz Rewards di dalam aplikasi Raiz, cari jenama kegemaran anda, dan klik \u201cShop Online Here\u201d. Kami akan membawa anda ke aplikasi/laman web rakan jenama kami. Berbelanjalah seperti biasa, dan anda akan dalam perjalanan untuk menerima bonus tunai*. Tiada pendaftaran diperlukan!\n\n\nJadi, sambil anda membeli, anda melabur! Mudah kan nak melabur sekarang? \ud83d\ude09\n\n\n\n\n\n\n\n\n\n\nJangan lepaskan tawaran ini!\n\n\nShopee (+sehingga 4.55% akan dilaburkan)\n\n\n\n\n\n\nDiskaun sehingga 50%\n semasa Shopee Live pada jam 8 malam setiap hari\n\n\nDiskaun 90%\n untuk promosi harian\n\n\nPenghantaran percuma\n tanpa perbelanjaan minimum\n\n\nPromosi berlangsung sehingga 9 September 2023\n\n\n\n\n\u00a0\n\n\nZalora (+3.00% akan dilaburkan)\n\n\n\n\n\n\nDiskaun sehingga 90%\n\n\nTawaran RM29\n\n\nTawaran harian menarik\n pada jam 5 petang & 7 malam\n\n\nIstimewa \nbeli 2 percuma 1\n\n\n\n\n\u00a0\n\n\nPuma (+2.1% akan dilaburkan)\n\n\n\n\n\n\nDiskaun 50%\n untuk kesemua produk (kod promo: \nPUMA99\n)\n\n\nPromosi berlangsung sehingga 11 September 2023\n\n\n\n\n\u00a0\n\n\nAdidas (+2.1% akan dilaburkan)\n\n\n\n\n\n\nDiskaun sehingga 50%\n untuk produk terpilih\n\n\nDiskaun tambahan 20%\n untuk ahli AdiClub yang berbelanja pada 9 September 2023\n\n\nPromosi berlangsung sehingga 17 September 2023\n\n\n\n\n\u00a0\n\n\nJD Sports (+sehingga 2.45% akan dilaburkan)\n\n\n\n\n\n\nDiskaun RM100\n dengan perbelanjaan minimum RM600 (kod promo: \nMY100\n)\n\n\nPromosi berlangsung sehingga 9 September 2023\n\n\n\n\n\u00a0\n\n\nSports Direct \n(+sehingga 2.45% akan dilaburkan)\n\n\n\n\n\n\nDiskaun sehingga 50%\n\n\nDiskaun tambahan 30%\n dengan pembelian minima 3 produk\n\n\nPenghantaran percuma\n (perbelanjaan minima RM300)\n\n\nPromosi berlangsung sehingga 9 September 2023\n\n\n\n\n\u00a0\n\n\nWatsons (+1.05% akan dilaburkan)\n\n\n\n\n\n\nDiskaun sehingga 50%\n untuk kosmetik, penjagaan kesihatan, dan produk mandian\n\n\nDiskaun sehingga 40%\n untuk produk penjagaan kulit\n\n\nPromosi berlangsung sehingga 11 September 2023\n\n\n\n\n\u00a0\n\n\nEnfa (+sehingga 3.5% akan dilaburkan)\n\n\n\n\n\n\nDiskaun sehingga 20%\n untuk kesemua produk\n\n\nTebus \nbaucar bernilai sehingga RM60\n\n\nPromosi berlangsung sehingga 14 September 2023\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\n\n\n*Raiz Rewards anda akan dimasukkan ke dalam akaun Raiz anda dalam tempoh 3 bulan dari tarikh pembelian kecuali dinyatakan sebaliknya. Untuk maklumat lanjut, sila lihat Terma & Syarat di bahagian Raiz Rewards untuk setiap jenama.\n\n\nIngin tahu lebih lanjut?\n\n\n\n\n\n\nBaca Soalan Lazim di \nsini\n.\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\u00a0\n\n\nIngin menggunakan Raiz Rewards tetapi tiada aplikasi Raiz?\n\n\nMuat turun dengan percuma di \u2018\nApp \nstore\u2019 atau \u2018\nWebapp\u2019 \nmenggunakan pautan di \nsini.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nMaklumat\u00a0\nPenting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\n\n\n\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-berbelanja-dengan-110-jenama/", "title": "Raiz Rewards: BERBELANJA DENGAN 110 JENAMA!", "body": "Raiz Rewards: BERBELANJA DENGAN 110 JENAMA!\n\n\n\n\n\n\n\n\n\n\n\n\nClick here for English\n\n\n03/02/2023\n\n\n\u00a0\n\n\nRaiz Rewards: BERBELANJA DENGAN 110 JENAMA!\n\n\n\u00a0\n\n\nDapatkan bonus tunai apabila anda berbelanja dengan \n110 rakan jenama kami\n melalui Raiz dan dapatkan ganjaran tunai yang akan dilaburkan ke dalam akaun Raiz anda secara automatik! *\n\n\n\n\nBagaimana?\n\n\n\n\nLog masuk ke aplikasi Raiz anda & pergi ke\n \nRaiz Rewards\n.\n\n\nKlik pada jenama yang anda gemari & tekan\u00a0\nShop Online Here\n.\n\n\nBeli-belah seperti biasa dan anda akan dalam perjalanan untuk menerima bonus tunai anda!\n\n\n\n\n*Tertakluk pada terma & syarat.\n\n\n\u00a0\n\n\nDapatkan harga dan tawaran terbaik daripada 110 rakan jenama kami untuk pelbagai kategori dan produk sekarang! Buka aplikasi Raiz anda > Raiz Rewards untuk lihat lebih banyak jenama.\n\n\n\n\n\n\n\u00a0\n\n\n\n\nMarketplace\n\n\n\n\nTravel\n\n\n\n\n\n\nHealth & Beauty\n\n\n \n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nIngin tahu lebih lanjut?\n\n\n\n\nBaca Soalan Lazim di \nsini\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\nIngin menggunakan Raiz Rewards tetapi tiada aplikasi Raiz?\n\n\nMuat turun dengan percuma di \u2018\nApp \nstore\u2019 atau \u2018\nWebapp\u2019 \nmenggunakan pautan di \nsini\n:\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nMaklumat\u00a0\nPenting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\n\n\n\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-bercuti-dan-berehat-sebentar/", "title": "Raiz Rewards: Bercuti dan berehat sebentar!", "body": "Raiz Rewards: Bercuti dan berehat sebentar!\n\n\n\n\n\n\n\n\n\n\n\n\nClick here for English\n\n\n23/06/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Bercuti dan berehat sebentar!\n\n\n\u00a0\n\n\nLihat promosi dan tempah percutian anda dalam talian sekarang dengan rakan jenama \u00a0kami, dan dapatkan ganjaran tunai! Ganjaran tunai anda akan dimasuk dan dilaburkan ke dalam akaun Raiz anda secara automatik.\n\n\n\n\nPergi ke \u201c\nRaiz Rewards\n\u201d di dalam aplikasi Raiz, pergi ke jenama kegemaran anda, dan klik \u201c\nShop Online Here\n\u201d.Kami akan membawa anda ke aplikasi/laman web rakan jenama kami. Berbelanjalah seperti biasa, dan ganjaran tunai anda akan dalam perjalanan ke akaun Raiz anda. \nTiada pendaftaran diperlukan! \n\n\nJadi, sambil anda membeli-belah, anda melabur! Mudahkan nak melabur sekarang?\n\n\n\n\n\n\n\u00a0\n\n\n\n\nAgoda \n(+2.10% akan dilaburkan)\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nJom usha hotel seperti One World Hotel, Hotel Maya, de King Boutique Hotel KLCC, Royale Chulan dan banyak lagi untuk staycation anda!\n\n\n\u00a0Tempah sekarang untuk dapatkan\n diskaun tambahan 15%\n\n\n\n\n\u00a0\n\n\n\n\n\n\nAirAsia Flight \n(+sehingga 0.35% akan dilaburkan)\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nPenerbangan domestik: Tambang bermula \ndari RM14\n apabila anda terbang dari KL ke Langkawi, Pulau Pinang, Kuala Terengganu, Johor Bahru, Alor Setar, Kota Bharu & banyak lagi!\n\n\nPenerbangan antarabangsa: Tambang bermula \ndari RM294\n apabila anda terbang dari KL ke Taipei, Busan, Gold Coast, Hangzhou, Amritsar, Osaka & banyak lagi!\n\n\nTempoh tempahan:\n Sekarang \u2013 25 Jun 2023\n\n\nTempoh perjalanan:\n 1 Sep 2023 \u2013 8 Okt 2024\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nTrip.com \n(+sehingga 1.75% akan dilaburkan)\u00a0\n\n\n\n\n\u00a0\n\n\n\n\n\n\nGunakan kod promo dan dapatkan \npotongan sehingga RM200\n untuk tarikan yang terpilih.\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nKlook \n(+sehingga 2.50% akan dilaburkan)\n\n\n\n\n\n\nDapatkan \ndiskaun\n \nsehingga RM150 \nuntuk percutian anda\n\n\nGunakan kod promo \nMYHOLIDAY5\n dan dapatkan diskaun 5% untuk semua aktiviti\n\n\nGunakan kod promo \nMYHOTELS5\n dan dapatkan diskaun 5% untuk semua penginapan hotel\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nAirpaz \n(+0.49% akan dilaburkan)\n\n\n\n\n\n\nGunakan kod promo \nAPZFLIGHTMYR3\n dan dapatkan potongan RM3.00 tanpa pembelian minimum untuk semua penerbangan\n\n\nGunakan kod promo \nAPZFLIGHTMYR10\n dan dapatkan potongan RM10.00 dengan pembelian minimum RM275.00 untuk semua penerbangan\n\n\nGunakan kod promo \nAPZFLIGHTMYR20\n dan dapatkan potongan RM20.00 dengan pembelian minimum RM650.00. Sah untuk penerbangan oleh AirAsia, AirAsia X, AirAsia Zest, Garuda Indonesia, Indonesia AirAsia, Jetstar Asia Airways, Lion Air, Malaysia Airlines, Malindo, Scoot.\n\n\nTempoh promosi: \nSekarang sehingga 30 Jun 2023\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\n\n\n*Raiz Rewards anda akan dimasukkan ke dalam akaun Raiz anda dalam tempoh 3 bulan dari tarikh pembelian kecuali dinyatakan sebaliknya. Untuk maklumat lanjut, sila lihat Terma & Syarat di bahagian Raiz Rewards untuk setiap jenama.\n\n\nIngin tahu lebih lanjut?\n\n\n\n\n\n\nBaca Soalan Lazim di \nsini\n.\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\u00a0\n\n\nIngin menggunakan Raiz Rewards tetapi tiada aplikasi Raiz?\n\n\nMuat turun dengan percuma di \u2018\nApp \nstore\u2019 atau \u2018\nWebapp\u2019 \nmenggunakan pautan di \nsini.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nMaklumat\u00a0\nPenting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\n\n\n\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-bersedia-untuk-8-8/", "title": "Raiz Rewards: Bersedia untuk 8.8!", "body": "Raiz Rewards: Bersedia untuk 8.8!\n\n\n\n\n\n\n\n\n\n\n\n\nClick here for English\n\n\n21/07/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Bersedia untuk 8.8!\n\n\n\u00a0\n\n\nDapatkan bonus tunai apabila anda membuat pembelian dengan rakan jenama kami melalui Raiz! Bonus tunai anda akan dimasuk dan dilaburkan ke dalam akaun Raiz anda secara automatik.\n\n\n\n\nPergi ke Raiz Rewards di dalam aplikasi Raiz, cari jenama kegemaran anda, dan klik \u201cShop Online Here\u201d. Kami akan membawa anda ke aplikasi/laman web rakan jenama kami. Berbelanjalah seperti biasa, dan anda akan dalam perjalanan untuk menerima bonus tunai*. Tiada pendaftaran diperlukan!\n\n\nJadi, sambil anda membeli, anda melabur! Mudah kan nak melabur sekarang? \ud83d\ude09\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\n\n\n*Raiz Rewards anda akan dimasukkan ke dalam akaun Raiz anda dalam tempoh 3 bulan dari tarikh pembelian kecuali dinyatakan sebaliknya. Untuk maklumat lanjut, sila lihat Terma & Syarat di bahagian Raiz Rewards untuk setiap jenama.\n\n\nIngin tahu lebih lanjut?\n\n\n\n\n\n\nBaca Soalan Lazim di \nsini\n.\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\u00a0\n\n\nIngin menggunakan Raiz Rewards tetapi tiada aplikasi Raiz?\n\n\nMuat turun dengan percuma di \u2018\nApp \nstore\u2019 atau \u2018\nWebapp\u2019 \nmenggunakan pautan di \nsini.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nMaklumat\u00a0\nPenting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\n\n\n\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-chinese-new-year-sale-2023/", "title": "Raiz Rewards: Chinese New Year Sale 2023!", "body": "Raiz Rewards: Chinese New Year Sale 2023!\n\n\n\n\nKlik sini untuk Bahasa Melayu\n\n\n13/01/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Chinese New Year Sale 2023!\n\n\n\u00a0\n\n\nIt\u2019s CHINESE NEW YEAR SALE! \nCheck out the amazing promotions below by our brand partners and get rewarded with cash bonus (or cashback) when you shop via Raiz! Your cash bonus will get invested into your Raiz account automatically.\n\n\n\n\nJust go to \n\u201c\nRaiz Rewards\n\u201d\n in your app, search for your favourite brand, and click the \u201c\nShop Online Here\n\u201d button. We\u2019ll direct you to the brand\u2019s app or website. Shop like normal, and you will be on your way to get your cashback*.\n\n\nSo, as you shop, you invest!\n\n\n*Terms & Conditions apply.\n\n\n\n\n\u00a0\n\n\nLazada\n\n\n\n\n(+up to 9.1% invested)\n\n\nCNY Promotion: Huat 2gether sale!\n\n\n\n\nCNY Huat deals up to \n50% off\n!\n\n\nEveryday \nfree shipping\n with a minimum spend of RM8.\n\n\nStyle deals \nbelow RM39\n on CNY collections.\n\n\nStationery & book deals \nbelow RM18.88\n.\n\n\n\n\n\u00a0\n\n\nShopee\n\n\n\n\n(+up to 6.37% invested)\n\n\nCNY Promotion: CNY Brand New Looks\n\n\n\n\nDaily \n88% off\n prosperity deals.\n\n\nFree shipping\n with a minimum spend of RM8.\n\n\nWin \nRM8,000 Angpow.\n\n\nDaily \n88% off bonus.\n\n\nBuy 1 Free 1\n deals (on selected sellers).\n\n\nCheck out special promo code in your Raiz App!\n\n\n\n\n\u00a0\n\n\n\n\nBus Online Ticket\u00a0\n\n\n\n\n(+1.47% invested)\n\n\nCNY Promotion: CNY\n \n2023 Bus Ticket is Now Available Online\n\n\n\n\nCheck CNY bus schedule and\u00a0book your bus tickets\u00a0in advance now!\n\n\n\n\n\n\n\n\n\u00a0\n\n\nZalora\n\n\n\n\n(+4.2% invested)\n\n\nCNY Promotion: Zalora CNY Sale\n\n\n\n\nDeals up to \n88% off\n.\n\n\nUpsized\n \ncashback \nflash sales.\n\n\nFree shipping.\n\n\nShop & Win\n up to RM888.\n\n\n\n\n\u00a0\n\n\nKlook\n\n\n\n\n(+up to 3.5% invested)\n\n\nCNY Promotion: Klook CNY Deals\n\n\n\n\nGet up to \n88% off\n travel deals.\n\n\nPrizes\n worth up to RM2,800.\n\n\n\n\n\u00a0\n\n\nCarsome\n\n\n\n\n(+RM12.25 invested)\n\n\nCNY Promotion: Carsome CNY Deals\n\n\n\n\nGet your new car starting from \n88%\n interest.\n\n\nService package \nfrom RM98\n & \nfree car inspection\n from Carsome.\n\n\n\n\n\u00a0\n\n\nAdidas\u00a0\n\n\n\n\n(+\n2.94% invested\n)\n\n\nCNY Promotion: Lunar Year Collection\n\n\n\n\nCheck out the latest Adidas Lunar New Year collection.\n\n\nadiClub members get exclusive \nNew Year packets\n with any purchase (while stocks last).\n\n\n\n\n\u00a0\n\n\nRoyalePharma\n\n\n\n\n(+3.43% invested)\n\n\nCNY Promotion: #ROYALEDEAL CNY EDITION\n\n\n\n\nFree shipping\n when you spend RM100 and above.\n\n\nUp to \n50% off\n for listed products (while stock last).\n\n\n\n\n\n\n\u00a0\n\n\nBig Pharmacy \n\n\n\n\n(+1.96% invested)\n\n\nCNY Promotion: Chinese New Year\u2019s Picks\n\n\n\n\nUse promo code \nBIGCNY38\n & get \nRM38 off\n with minimum spend of RM388.\n\n\nUse promo code \nBIGCNY20\n & get \nRM20 off\n with minimum spend of RM188.\n\n\nUse promo code \nBIGCNY12\n & get \nRM12 off\n with minimum spend of RM188.\n\n\n\n\n\u00a0\n\n\nFirefly Airlines\n\n\n\n\n(+\n1.47% invested\n)\n\n\nCNY Promotion: Firefly CNY Sale\n\n\n\n\nFrom RM49 one-way.\n\n\nBooking period: Now \u2013 15 Jan 2023.\n\n\nTravel period: 16 Jan \u2013 31 May 2023.\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nNeed more details?\n\n\n\n\nRead the FAQ on Raiz Rewards\u00a0\nhere\n.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nWant to use Raiz Rewards but don\u2019t have the Raiz App?\n\n\nDownload it for free in the App store or the Webapp \nhere.\n\n\n\u00a0\n\n\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-codashop-may-sale/", "title": "Raiz Rewards: Codashop May Sale!", "body": "Raiz Rewards: Codashop May Sale!\n\n\n\n\nKlik sini untuk Bahasa Melayu\n\n\n26/05/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Codashop May Sale!\n\n\n\u00a0\n\n\nAttention to all gamers! Codashop is having their \nMay sale!\n Check out these awesome deals by Codashop. Get your cash bonus (or cashback) when you top-up online with Codashop using\n\u00a0\u201c\nRaiz\n\u201d\n!\n\nYour cashback will go into your Raiz account and get invested automatically.\n\n\n\n\nJust go to \n\u201c\nRaiz Rewards\n\u201d \nin your app, search for \nCodashop\n, and click the \u201c\nShop Online Here\n\u201d button. We\u2019ll direct you to Codashop\u2019s website. Top-up like normal, and you will be on your way to get your cashback*.\n\n\nSo, as you top-up for your games, you invest!\n\n\n*Terms & Conditions apply.\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nRM4 Cashback!\n\n\n\n\nComplete the challenge by spending an accumulative amount of RM70 (MLBB Diamonds) with Codacash.\n\n\nOnce completed, you can redeem your Codacash gift code automatically.\n\n\nPromotion lasts until 31 May 2023.\n\n\n\n\n\u00a0\n\n\n\n\n\n\n5% Cashback!\n\n\n\n\nTop up your Valorant points with Codacash & get 5% cashback.\n\n\n\n\nMore discounts for more games!\n\n\n\n\n\n\n\n\n\n\n\n\nTitle Games\n\n\nDiscount (%)\n\n\n\n\n\n\nBorderlands 3\n\n\n85%\n\n\n\n\n\n\nBorderlands 3 Super Deluxe including Final Form Packs\n\n\n75%\n\n\n\n\n\n\nBorderlands 3 Ultimate Edition\n\n\n70%\n\n\n\n\n\n\nCivilization VI\n\n\n90%\n\n\n\n\n\n\nCivilization VI Platinum Edition\n\n\n81%\n\n\n\n\n\n\nCivilization VI Anthology Edition\n\n\n70%\n\n\n\n\n\n\nNBA 2K23\n\n\n84%\n\n\n\n\n\n\nNBA 2K23 Michael Jordan Edition\n\n\n67%\n\n\n\n\n\n\nTiny Tina Assault on Dragon\u2019s Keep\n\n\n50%\n\n\n\n\n\n\nTiny Tina Wonderlands\n\n\n50%\n\n\n\n\n\n\nTiny Tina Wonderlands: Chaotic Great\n\n\n50%\n\n\n\n\n\n\nThe Quarry\n\n\n60%\n\n\n\n\n\n\nThe Quarry Deluxe Edition\n\n\n60%\n\n\n\n\n\n\nMarvel\u2019s Midnight Suns\n\n\n50%\n\n\n\n\n\n\nMarvel\u2019s Midnight Suns Legendary Edition\n\n\n50%\n\n\n\n\n\n\nMarvel\u2019s Midnight Suns Digital+ Edition\n\n\n50%\n\n\n\n\n\n\nThe Outer Worlds\n\n\n34%\n\n\n\n\n\n\nThe Outer Worlds Non-Mandatory Corporate-Sponsored Bundle\n\n\n20%\n\n\n\n\n\n\nOlliOlliWorld\n\n\n40%\n\n\n\n\n\n\nOlliOlliWorld Rad Edition\n\n\n33%\n\n\n\n\n\n\nRed Dead Redemption 2 Standard Edition\n\n\n67%\n\n\n\n\n\n\nRed Dead Redemption 2 Ultimate Edition\n\n\n70%\n\n\n\n\n\n\nGTA V Premium Online Edition\n\n\n50%\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nNeed more details?\n\n\n\n\nRead the FAQ on Raiz Rewards\u00a0\nhere\n.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nWant to use Raiz Rewards but don\u2019t have the Raiz App?\n\n\nDownload it for free in the App store or the Webapp \nhere.\n\n\n\u00a0\n\n\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-dah-bersedia-untuk-raya/", "title": "Raiz Rewards: Dah bersedia untuk Raya?", "body": "Raiz Rewards: Dah bersedia untuk Raya?\n\n\n\n\n\n\n\n\n\n\n\n\nClick here for English\n\n\n08/04/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Dah bersedia untuk Raya?\n\n\n\u00a0\n\n\nAdakah anda telah bersedia untuk Raya 2023?\n Jika belum, mari kita lihat Tawaran Raya terkini dari rakan jenama kami.\u00a0Dapatkan bonus tunai (yang akan dilaburkan!) apabila anda membuat pembelian menggunakan \u201c\nRaiz\n\u201d. Bonus tunai anda akan dimasuk dan dilaburkan ke dalam akaun Raiz anda secara automatik.\n\n\n\n\nPergi ke \u201c\nRaiz Rewards\n\u201d di dalam aplikasi Raiz, pergi ke jenama kegemaran anda, dan klik \u201c\nShop Online Here\n\u201d. Kami akan membawa anda ke aplikasi/laman web rakan jenama kami. Berbelanjalah seperti biasa, dan anda akan dalam perjalanan untuk menerima bonus tunai. *\n\n\nJadi, sambil anda membeli, anda melabur!\n\n\n*Tertakluk pada terma & syarat.\n\n\n\n\n\n\n\u00a0\n\n\n\n\nMalaysia Airlines\n (+1.4% akan dilaburkan)\n\n\n\n\n\n\n\n\n\n\n\n\nUntuk percutian anda yang seterusnya!\n\n\n\n\nDapatkan \ndiskaun sehingga 20%\n untuk penerbangan domestik\n\n\nTempoh pembelian: Sekarang sehingga 12 April 2023\n\n\nTempoh penerbangan: Sekarang hingga 31 Julai 2023\n\n\n\n\n\n\n\n\n\u00a0\n\n\nBus Online Ticket \n(+1.47% akan dilaburkan)\n\n\n\n\n\n\n\n\n\n\n\n\nRaya, Jangan Tak Raya!\n\n\n\n\nGunakan kod promo \nBOTRAYA23\n dan dapatkan \ndiskaun 25% \n(terhad kepada RM8) dan \ncashback\n 8%\n (hanya untuk pengguna Bus Online Ticket sedia ada)\n\n\nGunakan kod promo \nBOTNRAYA23\n dan dapatkan \ndiskaun 25% (\nterhad kepada RM5) dan \ncashback\n 25%\n (hanya untuk pengguna Bus Online Ticket yang baru)\n\n\nPromosi berlangsung sehingga \n30 April 2023\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nFirefly Airlines \n(+1.47% akan dilaburkan)\n\n\n\n\n\n\n\n\n\n\n\n\nBerbaloi Balik Kampung Bersama Firefly\n\n\n\n\nDapatkan\n diskaun sehingga 20%\n untuk tambang asas bagi semua destinasi domestik\n\n\nTempoh pembelian: Sekarang hingga 12 April 2023\n\n\nTempoh penerbangan: Sekarang sehingga 31 Julai 2023\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nZalora \n(+4.2% akan dilaburkan)\n\u00a0\n\n\n\n\n#ZALORAYA2023\n\n\n\n\nDapatkan \ndiskaun sehingga 80%\n dengan #ZALORAYA2023\n\n\nLebih 4000 gaya dengan harga \nbawah RM99\n\n\nTawaran Hari Raya\n setiap hari\n\n\nJualan istimewa daripada \npereka eksklusif\n\n\nPromosi berlangsung sehingga \n11 April 2023\n\n\n\n\n\n\n\n\n\u00a0\n\n\nUniqlo \n(+1.96% akan dilaburkan)\n\n\n\n\n\n\nKoleksi Raya 2023 dari Uniqlo \n\n\n\n\nLihat \nKoleksi Raya 2023 \ndari Uniqlo\n\n\nDapatkan tips untuk menggayakan baju Raya anda\n\n\nLayari \nRaya Lookbook\n Uniqlo dan terus buat pembelian bagi \nlook\n\u00a0yang anda suka!\n\n\n\n\n\u00a0\n\n\nLotus\u2019s \n(+2.1% akan dilaburkan)\n\n\n\n\nLotus\u2019s Sama-Sama Berseri\n\n\n\n\nDapatkan tawaran menarik dari \nTawaran Berseri \nLotus\u2019s untuk persiapan Raya anda\n\n\n\n\n\u00a0\n\n\nCharles & Keith \n(+3.43% akan dilaburkan)\n\n\nJualan Atas Talian Charles & Keith!\n\n\n\n\nDapatkan \ndiskaun\n \nsehingga 50%\n untuk item terpilih\n\n\nPromosi berlangsung sehingga 17 April 2023\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nPoney \n(+2.45% akan dilaburkan)\n\n\n\n\nRaya Berseri Bersama Poney\n\n\n\n\nDapatkan \ndiskaun sehingga 25%\n untuk item terpilih\n\n\nLihat koleksi Raya ekslusif dari \nPoney x Bella Ammara\n\n\n\n\n\u00a0\n\n\nPoplook \n(+1.96% akan dilaburkan)\n\n\n\n\n#PoplookRaya2023\n\n\n\n\nDapatkan \ndiskaun sehingga 70%\n untuk Koleksi Raya Poplook\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nIngin tahu lebih lanjut?\n\n\n\n\nBaca Soalan Lazim di \nsini\n.\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\u00a0\n\n\nIngin menggunakan Raiz Rewards tetapi tiada aplikasi Raiz?\n\n\nMuat turun dengan percuma di \u2018\nApp \nstore\u2019 atau \u2018\nWebapp\u2019 \nmenggunakan pautan di \nsini.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nMaklumat\u00a0\nPenting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\n\n\n\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-gifts-for-your-loved-ones/", "title": "Raiz Rewards: Gifts for your loved ones!", "body": "Raiz Rewards: Gifts for your loved ones!\n\n\n\n\nKlik sini untuk Bahasa Melayu\n\n\n10/02/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Gifts for your loved ones!\n\n\n\u00a0\n\n\nLooking for gifts to send to your loved ones? Check out some amazing promotions and new collections by our brand partners. Moreover? Get cash bonus (or cashback) when you shop using \n\u201c\nRaiz Rewards\n\u201d\n ! Your cashback will get invested into your Raiz account automatically.\n\n\n\n\nJust go to \n\u201c\nRaiz Rewards\n\u201d\n in your app, search for your favourite brand, and click the \u201c\nShop Online Here\n\u201d button. We\u2019ll direct you to the brand\u2019s app or website. Shop like normal, and you will be on your way to get your cashback*.\n\n\nSo, as you shop, you invest!\n\n\n*Terms & Conditions apply.\n\n\n\n\n\u00a0\n\n\nLazada\n\n\n\n\n(+up to 9.1% invested)\n\n\nSpecial Promotion: A Gift From the Heart\n\n\n\n\nCollect & redeem 10% off vouchers on this Valentine\u2019s Day sale!\n\n\n\n\n\u00a0\n\n\nShopee\n\n\n\n\n(+up to 6.37% invested)\n\n\nSpecial Promotion: Valentine\u2019s Day Must Haves\n\n\n\n\nValentine\u2019s day sale from now until 14\nth\n February 2023 on Shopee.\n\n\nBranded deals from 20% off.\n\n\nValentine\u2019s Day gift ideas under RM150.\n\n\n14% coins cashback\u00a0to help you save more on your hunt to buy the perfect gift.\n\n\n\n\n\u00a0\n\n\n\n\nCharles & Keith\u00a0\n\n\n\n\n(+3.43% invested)\n\n\nSpecial Promotion: Valentine\u2019s Day Collection\n\n\n\n\nCheck out Charles & Keith Valentine\u2019s Day collections & make bold fashion choices with latest shoes, bags, and accessories.\n\n\n\n\n\n\n\n\n\u00a0\n\n\nSwarovski\n\n\n\n\n (+up to 3.92% invested)\n\n\nSpecial Promotion: Valentine\u2019s Day Collection\n\n\n\n\nWhether self-love, partnered love, friendship, or a love only you can define, celebrate who you cherish most this Valentine\u2019s Day with Swarovski\u2019s new collection.\n\n\n\n\n\u00a0\n\n\nPhotobook\n\n\n\n\n(+up to 10.5% invested)\n\n\nSpecial Promotion: Valentine\u2019s Day\n\n\n\n\nUse promo code \nOURLOVE23\n and get up to 60% off now.\n\n\n\n\n\u00a0\n\n\nPrintcious\u00a0\n\n\n\n\n(+17.15% invested)\n\n\nSpecial Promotion: Valentine\u2019s Day Special\n\n\n\n\nWhy not have your own Valentine\u2019s Day creation sent to your loved ones? Browse \nPrintcious\n selection today and impress him or her for the ultimate romantic event of the year.\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nNeed more details?\n\n\n\n\nRead the FAQ on Raiz Rewards\u00a0\nhere\n.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nWant to use Raiz Rewards but don\u2019t have the Raiz App?\n\n\nDownload it for free in the App store or the Webapp \nhere.\n\n\n\u00a0\n\n\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-hadiah-buat-yang-tersayang/", "title": "Raiz Rewards: Hadiah buat yang tersayang!", "body": "Raiz Rewards: Hadiah buat yang tersayang!\n\n\n\n\n\n\n\n\n\n\n\n\nClick here for English\n\n\n10/02/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Hadiah buat yang tersayang!\n\n\n\u00a0\n\n\nMencari hadiah untuk diberikan buat orang yang anda sayang? Lihat promosi dan koleksi istimewa dari rakan jenama kami! Dapatkan juga bonus tunai apabila anda membuat pembelian menggunakan \u201c\nRaiz Rewards\n\u201d! Bonus tunai anda akan dilaburkan ke dalam akaun Raiz anda secara automatik.\n\n\n\n\nPergi ke \u201c\nRaiz Rewards\n\u201d di dalam aplikasi Raiz, pergi ke jenama kegemaran anda, dan klik \u201c\nShop Online Here\n\u201d. Kami akan membawa anda ke aplikasi/laman web rakan jenama kami. Berbelanjalah seperti biasa, dan anda akan dalam perjalanan untuk menerima bonus tunai. *\n\n\nJadi, sambil anda membeli, anda melabur!\n\n\n*Tertakluk pada terma & syarat.\n\n\n\n\n\n\n\u00a0\n\n\n\n\nLazada\n\n\n\n\n\n\n\n\n\n\n\n\n(+sehingga 9.1% akan dilaburkan)\n\n\nPromosi Istimewa: Hadiah ikhlas dari hati\n\n\n\n\nKumpul & tebus 10% baucar diskaun untuk jualan Hari Valentine ini!\n\n\n\n\n\n\n\n\n\u00a0\n\n\nShopee\n\n\n \n\n\n\n\n(+sehingga 6.37% akan dilaburkan)\n\n\nPromosi Istimewa: Valentine\u2019s Day\n\n\n\n\nJualan Hari Valentine bermula sekarang sehingga 14 Februari 2023 di Shopee.\n\n\nTawaran berjenama diskaun dari 20%.\n\n\nHadiah Hari Valentine di bawah RM150.\n\n\nPulangan tunai \u2018\ncoins\n\u2019 14% untuk membantu anda mendapatkan lebih penjimatan untuk membeli hadiah yang sempurna.\n\n\n\n\n\n\n\n\n\u00a0\n\n\nCharles & Keith\n\n\n\n\n(+3.43% akan dilaburkan)\n\n\nPromosi Istimewa: Koleksi \nValentine\u2019s Day\n \n\n\n\n\nLihat koleksi Charles & Keith sempena Hari Valentine & buat pilihan fesyen yang terdiri daripada pelbagai rekaan kasut, beg, dan aksesori terkini.\n\n\n\n\n\u00a0\n\n\nZalora \n\n\n\n\n(+sehingga 3.92% akan dilaburkan)\n\n\nPromosi Istimewa: Koleksi \nValentine\u2019s Day\n\n\n\n\nRaikan dengan koleksi terbaru Hari Valentine Bersama Swarovski.\n\n\n\n\n\u00a0\n\n\nPhotobook\n\n\n\n\n(+sehingga 10.5% akan dilaburkan)\n\n\nPromosi Istimewa: Khas untuk Hari \nValentine\n\n\n\n\nGunakan kod promo \nOURLOVE23\n dan dapatkan diskaun sehingga 60% sekarang.\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nPrintcious\n\n\n\n\n(+17.15% akan dilaburkan)\n\n\nPromosi Istimewa: Khas untuk Hari \nValentine\n\n\n\n\nCipta hadiah untuk Hari Valentine dan hantar kepada yang tersayang. Layari pilihan \nPrintcious\n hari ini untuk pelbagai pilihan menarik.\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nIngin tahu lebih lanjut?\n\n\n\n\nBaca Soalan Lazim di \nsini\n.\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\u00a0\n\n\nIngin menggunakan Raiz Rewards tetapi tiada aplikasi Raiz?\n\n\nMuat turun dengan percuma di \u2018\nApp \nstore\u2019 atau \u2018\nWebapp\u2019 \nmenggunakan pautan di \nsini.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nMaklumat\u00a0\nPenting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\n\n\n\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-have-you-prepared-for-raya/", "title": "Raiz Rewards: Have you prepared for Raya?", "body": "Raiz Rewards: Have you prepared for Raya?\n\n\n\n\nKlik sini untuk Bahasa Melayu\n\n\n08/04/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Have you prepared for Raya?\n\n\n\u00a0\n\n\nHave you prepared for Raya 2023?\n If not, let\u2019s check out our latest Raya Deals from our brand partners. Get cash bonus (or cashback) when you shop using \n\u201c\nRaiz\n\u201d\n! Your cashback will go into your Raiz account and get invested automatically.\n\n\n\n\nJust go to \n\u201c\nRaiz Rewards\n\u201d\n in your app, search for your favourite brand, and click the \u201c\nShop Online Here\n\u201d button. We\u2019ll direct you to the brand\u2019s app/website. Shop like normal, and you will be on your way to get your cashback*.\n\n\nSo, as you shop, you invest!\n\n\n*Terms & Conditions apply.\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nMalaysia Airlines\n (+1.4% invested)\n\n\n\n\nSpot your next holiday?\n\n\n\n\nGrab \nup to 20% off\n for domestic flights\n\n\nBooking period: Now until 12 April 2023\n\n\nTravel period: Now until 31 July 2023\n\n\n\n\n\u00a0\n\n\nBus Online Ticket\n\u00a0(+1.47% invested)\n\n\n\n\nRaya, Jangan Tak Raya!\n\n\n\n\nUse \npromo code \nBOTRAYA23 \nand \nget 25% off\n (up to RM8) and \n8% cashback\n (only for existing Bus Online Ticket users)\n\n\nUse \npromo code \nBOTNRAYA and \nget \n25% off \n(up to RM5) and \n25% cashback\n (only for new Bus Online Ticket users)\n\n\nPromotion lasts until 30 April 2023\n\n\n\n\n\n\n\u00a0\n\n\nFirefly Airlines \n(+1.47% invested)\n\n\n\n\nBerbaloi Balik Kampung Bersama Firefly\n\n\n\n\nGet up to \n20% off\n base fare to all domestic destinations\n\n\nBooking period: Now until 12 April 2023\n\n\nTravel period: Now until 31 July 2023\n\n\n\n\n\n\n\u00a0\n\n\nZalora \n(+4.2% invested)\n\n\n\n\n\n\n#ZALORAYA 2023\n\n\n\n\nGet \nup to 80% off\n with #ZALORAYA2023\n\n\nOver 4000 styles \nunder RM99\n\n\nDaily Raya deals\n\n\nExclusive designer sales\n\n\nPromotion lasts until 11 April 2023\n\n\n\n\n\u00a0\n\n\nUniqlo \n(+1.96% invested)\n\n\n\n\n\n\nRaya Collection 2023 from Uniqlo\n\n\n\n\nCheck out Uniqlo\u2019s \n2023 Raya Collection \n\n\nGet styling tips for Raya outfits\n\n\nBrowse Uniqlo\u2019s Raya lookbook and shop the look!\n\n\n\n\n\n\n\u00a0\n\n\nLotus\u2019s\n (+2.1% invested)\n\n\n\n\n\n\nLotus\u2019s\n Sama-Sama Berseri\n\n\n\n\nGet good deals from Lotus\u2019s \nTawaran Berseri\n to prepare for Raya\n\n\n\n\n\n\n\n\n\u00a0\n\n\nCharles & Keith \n(+3.43% invested)\n\n\n\n\n\n\nCharles & Keith\u2019s Online Sale\n\n\n\n\nGet \nup to 50% off\n on selected items!\n\n\nPromotion lasts until 17 April 2023\n\n\n\n\n\n\n\u00a0\n\n\nPoney\n (+2.45% invested)\n\n\n\n\n\n\nRaya Berseri Bersama Poney\n\n\n\n\nGet \nup to 25% off\n on selected items\n\n\nView exclusive Raya collection from Poney x Bella Ammara\n\n\n\n\n\n\n\u00a0\n\n\nPoplook \n(+1.96% invested)\n\n\n\n\n#PoplookRaya2023\n\n\n\n\nGet \nup to 70% off\n for Poplook\u2019s Raya Collection\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nNeed more details?\n\n\n\n\nRead the FAQ on Raiz Rewards\u00a0\nhere\n.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nWant to use Raiz Rewards but don\u2019t have the Raiz App?\n\n\nDownload it for free in the App store or the Webapp \nhere.\n\n\n\u00a0\n\n\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-istimewa-cuti-sekolah/", "title": "Raiz Rewards: Istimewa Cuti Sekolah!", "body": "Raiz Rewards: Istimewa Cuti Sekolah!\n\n\n\n\n\n\n\n\n\n\n\n\nClick here for English\n\n\n21/07/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Istimewa Cuti Sekolah!\n\n\n\u00a0\n\n\nDapatkan potongan untuk harga penerbangan, tiket bas, hotel dan pelbagai aktiviti menarik untuk mengisi cuti sekolah apabila anda menempah dengan rakan jenama kami! Dapatkan juga bonus tunai apabila anda membuat tempahan melalui Raiz. Bonus tunai anda akan dimasukkan dan dilaburkan ke dalam akaun Raiz anda secara automatik!\n\n\n\n\nPergi ke Raiz Rewards di dalam aplikasi Raiz, cari jenama kegemaran anda, dan klik \u201cShop Online Here\u201d. Kami akan membawa anda ke aplikasi/laman web rakan jenama kami. Berbelanjalah seperti biasa, dan anda akan dalam perjalanan untuk menerima bonus tunai*. Tiada pendaftaran diperlukan!\n\n\nJadi, sambil anda membeli, anda melabur! Mudah kan nak melabur sekarang? \ud83d\ude09\n\n\n\n\n\n\n\u00a0\n\n\n\n\nMalaysia Airlines (+sehingga 1% akan dilaburkan)\n\n\n\n\n\n\nPenerbangan domestik \ndari RM66\n\n\nPenerbangan antarabangsa \ndari RM266\n\n\nPromosi berlangsung sehingga 27 Ogos 2023\n\n\n\n\n\u00a0\n\n\nFireflyAirlines (+sehingga 0.85% akan dilaburkan)\n\n\n\n\n\n\nDiskaun 31%\n untuk 2 orang atau lebih\n\n\nPromosi berlangsung sehingga 27 Ogos 2023\n\n\n\n\n\u00a0\n\n\nBus Online Ticket (+1.05% akan dilaburkan)\n\n\n\n\n\n\nDiskaun 8% + 8% \ncashback\n \nuntuk ahli BOT\n\n\n\n\n\u00a0\n\n\nKKday (+sehingga 1.75% akan dilaburkan)\n\n\n\n\n\n\nDiskaun sehingga 30%\n untuk tempahan resort di Thailand\n\n\nDiskaun sehingga 50%\n untuk aktiviti menarik di Thailand\n\n\n\n\n\u00a0\n\n\nAgoda (+2.1% akan dilaburkan)\n\n\n\n\n\n\nJimat sehingga 75%\n untuk tempahan hotel di seluruh dunia\n\n\n\n\n\u00a0\n\n\nTiqets (+3.5% akan dilaburkan)\n\n\n\n\n\n\nDiskaun 16%\n untuk tiket Aquaria\n\n\nDiskaun 7%\n untuk Langkawi SkyBridge Cable Car\n\n\nLangkau barisan dan beli tiket masuk Zoo Negara dalam talian\n\n\n\n\n\u00a0\n\n\nWonderfly (+1.72% akan dilaburkan)\n\n\n\n\n\n\n\n\nDiskaun 6%\n untuk taman tema Sunway Lagoon\n\n\nDiskaun 30%\n untuk Sunway Lost World of Tambun\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\n\n\n*Raiz Rewards anda akan dimasukkan ke dalam akaun Raiz anda dalam tempoh 3 bulan dari tarikh pembelian kecuali dinyatakan sebaliknya. Untuk maklumat lanjut, sila lihat Terma & Syarat di bahagian Raiz Rewards untuk setiap jenama.\n\n\nIngin tahu lebih lanjut?\n\n\n\n\n\n\nBaca Soalan Lazim di \nsini\n.\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\u00a0\n\n\nIngin menggunakan Raiz Rewards tetapi tiada aplikasi Raiz?\n\n\nMuat turun dengan percuma di \u2018\nApp \nstore\u2019 atau \u2018\nWebapp\u2019 \nmenggunakan pautan di \nsini.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nMaklumat\u00a0\nPenting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\n\n\n\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-istimewa-merdeka/", "title": "Raiz Rewards: Istimewa Merdeka!", "body": "Raiz Rewards: Istimewa Merdeka!\n\n\n\n\n\n\n\n\n\n\n\n\nClick here for English\n\n\n25/08/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Istimewa Merdeka!\n\n\n\u00a0\n\n\nLihat tawaran Hari Merdeka dari rakan jenama kami untuk penjimatan anda! Dapatkan juga bonus tunai apabila anda membuat tempahan melalui Raiz. Bonus tunai anda akan dimasukkan dan dilaburkan ke dalam akaun Raiz anda secara automatik!\n\n\n\n\nPergi ke Raiz Rewards di dalam aplikasi Raiz, cari jenama kegemaran anda, dan klik \u201cShop Online Here\u201d. Kami akan membawa anda ke aplikasi/laman web rakan jenama kami. Berbelanjalah seperti biasa, dan anda akan dalam perjalanan untuk menerima bonus tunai*. Tiada pendaftaran diperlukan!\n\n\nJadi, sambil anda membeli, anda melabur! Mudah kan nak melabur sekarang? \ud83d\ude09\n\n\n\n\n\n\n\u00a0\n\n\n\n\nPerlukan gajet baru?\n\n\nOppo (+sehingga 2.1% akan dilaburkan)\n\n\n\n\nMerdeka ke-66 bersama OPPO\n\n\n\n\nJualan kilat dengan \ndiskaun sehingga RM400\n\n\nPemberian \n1-to-1\n \u2013 Beli barangan terpilih dan dapatkan \nhadiah percuma bernilai sehingga RM299\n\n\n\n\n\u00a0\n\n\nLogitech \u2013 Shopee (+sehingga 4.55 % akan dilaburkan)\n\n\n\n\nEksklusif Merdeka: Unlock Your Space!\n\n\n\n\nDiskaun sehingga 22\n% untuk pembelian papan kekunci\n\n\nTebus kupon untuk \ndiskaun 3%\n dengan pembelian minima RM60 (terhad kepada RM30)\n\n\nTebus kupon untuk \ndiskaun 5%\n dengan pembelian minima RM120 (terhad kepada RM40)\n\n\n\n\n\n\nNak beli barangan rumah?\n\n\nLotus\u2019s (+sehingga 1.05% akan dilaburkan)\n\n\n\n\nHari-Hari Harga Rendah: Lebihhh Murah\n\n\n\n\nGuna kod promo \nAUGPAY10\n dan dapatkan \ndiskaun RM10\n (pembelian minima RM200)\n\n\nGuna kod promo \nAUGPAY15\n dan dapatkan \ndiskaun RM15\n (pembelian minima RM300)\n\n\n\n\n\u00a0\n\n\nNak melancong?\n\n\nMalaysia Airlines (+sehingga 1% akan dilaburkan)\n\n\n\n\nJualan Merdeka ke-66\n\n\n\n\nPenerbangan domestik \ndari RM66\n\n\nPenerbangan antarabangsa \ndari RM266\n\n\nPromosi berlangsung sehingga 27 Ogos 2023\n\n\n\n\n\u00a0\n\n\nFireflyAirlines (+sehingga 0.85% akan dilaburkan)\n\n\n\n\nTawaran Hari Kemerdekaan\n\n\n\n\nDiskaun 31%\n untuk 2 orang atau lebih\n\n\nPromosi berlangsung sehingga 27 Ogos 2023\n\n\n\n\n\u00a0\n\n\nKlook (+sehingga 2.5% akan dilaburkan)\n\n\n\n\nTawaran Eksklusif Hari Merdeka\n\n\n\n\nGuna kod promo \nNEGARAKU66\n dan dapatkan \ndiskaun RM66\n untuk aktiviti di Malaysia (pembelian minima RM300)\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\n\n\n*Raiz Rewards anda akan dimasukkan ke dalam akaun Raiz anda dalam tempoh 3 bulan dari tarikh pembelian kecuali dinyatakan sebaliknya. Untuk maklumat lanjut, sila lihat Terma & Syarat di bahagian Raiz Rewards untuk setiap jenama.\n\n\nIngin tahu lebih lanjut?\n\n\n\n\n\n\nBaca Soalan Lazim di \nsini\n.\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\u00a0\n\n\nIngin menggunakan Raiz Rewards tetapi tiada aplikasi Raiz?\n\n\nMuat turun dengan percuma di \u2018\nApp \nstore\u2019 atau \u2018\nWebapp\u2019 \nmenggunakan pautan di \nsini.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nMaklumat\u00a0\nPenting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\n\n\n\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-its-not-sad-tember-its-save-tember/", "title": "Raiz Rewards: It\u2019s not Sad-tember, it\u2019s SAVE-tember!", "body": "Raiz Rewards: It\u2019s not Sad-tember, it\u2019s SAVE-tember!\n\n\n\n\nKlik sini untuk Bahasa Melayu\n\n\n15/09/2022\n\n\n\u00a0\n\n\nNew Brands & SAVE-tember Deals!\n\n\n\u00a0\n\n\nMore brands have just been onboarded with Raiz Rewards! Check them out now alongside our SAVE-tember deals and don\u2019t forget to tap at \u201c\nShop Online Here\n\u201d.\n\n\nTo get extra cash bonus (or cashback) while you shop, use Raiz Rewards! Your cashback will get invested into your Raiz account automatically.\n\n\nJust go to \u201c\nRaiz Rewards\n\u201d in your app, search for your brand, and click the \u201c\nShop Online Here\n\u201d button. We\u2019ll direct you to brand\u2019s app or website. Shop like normal, and you will be on your way to get your cashback*.\n\n\nSo, as you shop, you invest!\n\n\n*Terms & Conditions apply.\n\u00a0\n\n\n\n\n\u00a0\n\n\n\n\n\n\nNew Brands\n\n\nBig Pharmacy\n\n\n\n\n\n\n(+1.96% invested)\n\n\nBIG Pharmacy\n offer a wide range of products \u2013 from organic food, supplements, rehabilitation supplies to health & beauty at competitive prices.\n\n\nShop online now with \nBig Pharmacy\n through Raiz Rewards and you\u2019ll get \n1.96% \ncash bonus of your purchase amount invested back into your Raiz account.\n\n\n\u00a0\n\n\n\n\nLevis\n\n\n\n\n(+4.2% invested)\n\n\nThe \nLevis\n brand continues to define the industry with classics like the 501\u00ae jeans, innovative collections like Commuter, Levis Revel and more.\n\n\nShop online now with\u202f\nLevis\n\u202fthrough Raiz Rewards and you\u2019ll get\u00a0\n4.2%\n\u202fcash bonus\u00a0of your purchase amount invested back into your Raiz account.\n\n\n\u00a0\n\n\nSAVE-tember Promotions\n\n\nKlook \n\n\n\n\n(+up to 3.5% invested)\n\n\nBook online now with\u00a0\nKlook\u00a0\nthrough Raiz Rewards and you\u2019ll get\u00a0\nup to 3.5%\n\u00a0of your purchase amount invested back into your Raiz account.\n\n\nSpecial SAVE-tember Promotion:\n\n\n\n\nNew to Klook? Use code \nMALAYSIA10\n for extra\u00a010% off\u00a0all activities in Malaysia including hotels, car rental, admission tickets, tours, and dining experiences.\n\n\n\n\n\n\n\u00a0\n\n\nTotal Image\n\n\n\n\n(+3.92% invested)\n\n\nBook online now with\u00a0\nTotal Image \nthrough Raiz Rewards and you\u2019ll get\u00a0\n3.92% cash bonus\n\u00a0of your purchase amount invested back into your Raiz account.\n\n\nSpecial SAVE-tember Promotion:\n\n\n\n\nBuy 1 Free 1 \u2013 Buy one Smelly No More Deodorant Spray and get another one for free.\n\n\n\n\n\u00a0\n\n\n*All promotions are subjected to terms & conditions set by the brand partners.\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nNeed more details?\n\n\n\n\nRead the FAQ on Raiz Rewards\u00a0\nhere\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\nWant to earn\u00a0\nMORE\n\u00a0rewards on top of your Raiz Rewards?\n\n\n\n\n\n\n\n\nFor each friend that you refer who starts investing with Raiz, Raiz will give you a referral bonus of RM20. Plus, your friend also gets an RM20 bonus! Refer your friends now!\n\n\n\u00a0\n\n\n\n\n\n\nGet RM20 Bonus\n\n\n\n\n\n\n\n\n\u00a0\n\n\nWant to use Raiz Rewards but don\u2019t have the Raiz App?\n\n\nDownload it for free in the App store or the Webapp \nhere.\n\n\n\u00a0\n\n\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-jenama-baru-jualan-4-4/", "title": "Raiz Rewards: Jenama baru + Jualan 4.4!", "body": "Raiz Rewards: Jenama baru + Jualan 4.4!\n\n\n\n\n\n\n\n\n\n\n\n\nClick here for English\n\n\n31/03/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Jenama baru + Jualan 4.4!\n\n\n\u00a0\n\n\nLihat rakan jenama BARU \u2013 Uniqlo & Samsung! Dan jangan lupa \u2018\nadd to cart\n\u2019 sempena jualan 4.4 yang hampir tiba. Dapatkan bonus tunai (yang akan dilaburkan!) apabila anda membuat pembelian menggunakan \u201c\nRaiz\n\u201d. Bonus tunai anda akan dimasuk dan dilaburkan ke dalam akaun Raiz anda secara automatik.\n\n\n\n\nPergi ke \u201c\nRaiz Rewards\n\u201d di dalam aplikasi Raiz, pergi ke jenama kegemaran anda, dan klik \u201c\nShop Online Here\n\u201d. Kami akan membawa anda ke aplikasi/laman web rakan jenama kami. Berbelanjalah seperti biasa, dan anda akan dalam perjalanan untuk menerima bonus tunai. *\n\n\nJadi, sambil anda membeli, anda melabur!\n\n\n*Tertakluk pada terma & syarat.\n\n\n\n\n\n\n\u00a0\n\n\n\n\nJenama terkini!\n\n\nUniqlo\n (Jenama terkini) (+1.96% akan dilaburkan)\n\n\n\n\n\n\n\n\n\n\n\n\nKeselesaan dengan pakaian dari Uniqlo\n\n\n\n\nRamadan dengan \ncomfy long bottoms \nUniqlo \u2013 menampilkan \nJeans, Ankle Pants, Straight Pants \ndan pelbagai lagi!\n\n\n\n\n\n\n\n\n\u00a0\n\n\nSamsung\n (Jenama terkini) (+1.47% akan dilaburkan)\n\n\n\n\n\n\n\n\n\n\n\n\nSamsung Impian Raya Bersama\n\n\n\n\nLihat tawaran \nSamsung Impian Raya Bersama\n & dapatkan peranti Samsung yang terkini!\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nJualan 4.4!\n\n\nShopee \n(+sehingga 6.37% akan dilaburkan)\n\n\n\n\n4.4 Jualan Hebat Ramadan\n\n\n\n\nTawaran RM10\n sempena Ramadan\n\n\nPenghantaran percuma\n dengan perbelanjaan minima RM5.\n\n\nTekan &\n menang Perodua Alza\n!\n\n\n\n\n\n\n\n\n\u00a0\n\n\nWatsons\n (+1.47% akan dilaburkan)\n\n\n\n\n\n\nJualan Raya 4.4\n\n\n\n\nDapatkan peralatan solek & produk kecantikan anda di Watsons Raya Sale 4.4\n\n\nDapatkan potongan RM8 (perbelanjaan min RM60). Gunakan \nkod promo\n \nCCEAP23\n\n\nJualan Raya 4.4 ini tamat pada 6 April 2023\n\n\n\n\n\u00a0\n\n\nZalora\n (+4.2% akan dilaburkan)\n\n\n\n\nZaloraya 2023\n\n\n\n\nLihat Koleksi Raya dari Zalora\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nIngin tahu lebih lanjut?\n\n\n\n\nBaca Soalan Lazim di \nsini\n.\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\u00a0\n\n\nIngin menggunakan Raiz Rewards tetapi tiada aplikasi Raiz?\n\n\nMuat turun dengan percuma di \u2018\nApp \nstore\u2019 atau \u2018\nWebapp\u2019 \nmenggunakan pautan di \nsini.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nMaklumat\u00a0\nPenting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\n\n\n\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-jualan-3-3-bermula-lihat-sekarang/", "title": "Raiz Rewards: Jualan 3.3 bermula! Lihat sekarang.", "body": "Raiz Rewards: Jualan 3.3 bermula! Lihat sekarang.\n\n\n\n\n\n\n\n\n\n\n\n\nClick here for English\n\n\n03/03/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Jualan 3.3 bermula! Lihat sekarang.\n\n\n\u00a0\n\n\nJualan 3.3 telah bermula!\n Lihat promosi istimewa dari rakan jenama kami dan dapatkan bonus tunai apabila anda membuat pembelian menggunakan \u201c\nRaiz Rewards\n\u201d. Bonus tunai anda akan dilaburkan ke dalam akaun Raiz anda secara automatik.\n\n\n\n\nPergi ke \u201c\nRaiz Rewards\n\u201d di dalam aplikasi Raiz, pergi ke jenama kegemaran anda, dan klik \u201c\nShop Online Here\n\u201d. Kami akan membawa anda ke aplikasi/laman web rakan jenama kami. Berbelanjalah seperti biasa, dan anda akan dalam perjalanan untuk menerima bonus tunai. *\n\n\nJadi, sambil anda membeli, anda melabur!\n\n\n*Tertakluk pada terma & syarat.\n\n\n\n\n\n\n\u00a0\n\n\n\n\nLazada\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n(+sehingga 9.1% akan dilaburkan)\n\n\nTawaran Istimewa: Jualan Hari Jadi Lazada yang ke-11 yang epik!\n\n\n\n\nDapatkan \ndiskaun hingga 50%\n apabila anda kumpul baucar dari Lazada. (bonus Lazada, \u2018\ncashback\u2019\n, diskaun \u2018\ncoins\u2019\n, baucer bank dan kedai)\n\n\nPulangan tunai\n setiap hari.\n\n\nPenghantaran percuma\n tanpa perbelanjaan minimum.\n\n\n\n\n\n\n\n\n\u00a0\n\n\nShopee\n\n\n\n\n(+sehingga 6.37% akan dilaburkan)\n\n\nTawaran Istimewa: Jualan 3.3 Shopee\n\n\n\n\nPenghantaran percuma\n tanpa perbelanjaan minimum.\n\n\nDapatkan\n 100% pulangan \u2018\ncoins\n\u2019.\n\n\nDapatkan \nbaucar rebat sehingga RM130 \n Siapa cepat dia dapat!\n\n\nKod promo istimewa untuk Raizers \u2013 lihat pada aplikasi Raiz anda!\n\n\n\n\n\n\n\n\n\u00a0\n\n\nZalora \n\n\n\n\n\n\n(+ 4.2% akan dilaburkan)\n\n\nTawaran Istimewa: Jualan 3.3 Zalora\n\n\n\n\nDapatkan \npotongan sehingga 80%\n pembelian anda dari jualan Zalora 3.3\n\n\nLihat pelbagai tawaran dari jenama terbesar berharga \nbawah\n \nRM133\n\n\nTawaran mega harian\n pada 3pm\n\n\nBerlangsung sekarang hingga 7 Mac 2023\n\n\n\n\n\u00a0\n\n\nTrip.com\n\n\n\n\n(+sehingga 2.45% akan dilaburkan)\n\n\nTawaran Istimewa: Jualan 3.3 Super Saver\n\n\n\n\nTawaran kilat untuk tempahan hotel \nserendah RM33\n\n\nGuna kod promo dan dapatkan \ndiskaun sehingga RM100\n tempahan penerbangan dan hotel\n\n\nTawaran hanya sehingga hari ini (3 Mac 2023)\n\n\n\n\n\u00a0\n\n\nTrapo\n\n\n\n\n(+ 3.43% akan dilaburkan)\n\n\nTawaran Istimewa: Jualan 3.3 Trapo\n\n\n\n\nDiskaun 13%\n untuk sebarang produk\n\n\nTawaran sehingga 5 Mac 2023\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nIngin tahu lebih lanjut?\n\n\n\n\nBaca Soalan Lazim di \nsini\n.\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\u00a0\n\n\nIngin menggunakan Raiz Rewards tetapi tiada aplikasi Raiz?\n\n\nMuat turun dengan percuma di \u2018\nApp \nstore\u2019 atau \u2018\nWebapp\u2019 \nmenggunakan pautan di \nsini.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nMaklumat\u00a0\nPenting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\n\n\n\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-jualan-7-7-bermula-sekarang/", "title": "Raiz Rewards: Jualan 7.7 bermula SEKARANG!", "body": "Raiz Rewards: Jualan 7.7 bermula SEKARANG!\n\n\n\n\n\n\n\n\n\n\n\n\nClick here for English\n\n\n07/07/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Jualan 7.7 bermula SEKARANG!\n\n\n\u00a0\n\n\nTiba masanya untuk jualan 7.7! Anda dah bersedia? Lihat jualan 7.7 dari 7 rakan jenama yang telah kami pilih khas untuk anda. Beli-belah dalam talian sekarang dengan rakan jenama kami dan dapatkan bonus tunai apabila anda membuat pembelian melalui \nRaiz\n! Bonus tunai anda akan dimasuk dan dilaburkan ke dalam akaun Raiz anda secara automatik.\n\n\n\n\nPergi ke \u201c\nRaiz Rewards\n\u201d di dalam aplikasi Raiz, pergi ke jenama kegemaran anda, dan klik \u201c\nShop Online Here\n\u201d.Kami akan membawa anda ke aplikasi/laman web rakan jenama kami. Berbelanjalah seperti biasa, dan ganjaran tunai anda akan dalam perjalanan ke akaun Raiz anda. \nTiada pendaftaran diperlukan! \n\n\nJadi, sambil anda membeli-belah, anda melabur! Mudahkan nak melabur sekarang?\n\n\n\n\n\n\n\u00a0\n\n\n\n\nShopee \n(+sehingga 4.55% akan dilaburkan)\n\n\n\n\n\n\n\n\n\n\n\n\nFestival Fesyen & Kecantikan 7.7\n\n\n\n\nPenghantaran\n \npercuma\n tanpa perbelanjaan minimum\n\n\nDapatkan \ndiskaun 70%\n apabila anda tebus baucar daripada kategori fesyen &kecantikan\n\n\nDapatkan \ndiskaun\n \ntambahan RM7\n dengan perbelanjaan minimum RM50\n\n\n\n\n\u00a0\n\n\n\n\n\n\nLazada \n(+sehingga 6.00% akan dilaburkan)\n\n\n\n\n\n\n\n\n\n\n\n\n7.7 Sale Terhangat!\n\n\n\n\nDapatkan \ndiskaun Lazada Bonus RM9 \nuntuk setiap RM90 yang dibelanjakan\n\n\nRebat tunai \nLazada\n sehingga 50%\n\n\nPenghantaran cepat & percuma\n dengan pembelian minima RM8\n\n\nBaucar bank\n sehingga\n RM50\n\n\nDiskaun \nLazcoins\n sehingga 70%\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nWatsons \n(+1.05% akan dilaburkan) \n\n\n\n\nJualan Pertengahan Tahun 7.7\n\n\n\n\nKod Promo Istimewa Untuk 1 Hari Sahaja\n!\n\n\nGunakan kod \n77XX77\n & dapatkan diskaun \nRM11\n dengan perbelanjaan minima RM107*\n\n\nGunakan kod \n7XX7XX\n & dapatkan diskaun \nRM21\n dengan perbelanjaan minima RM177*\n\n\nDapatkan \npenghantaran percuma\n dengan perbelanjaan minima RM100\n\n\n\n\n*Terhad kepada \n2000\n penebusan sahaja\n\n\n\n\n\n\n\n\n\u00a0\n\n\nZalora \n(+3% akan dilaburkan)\n\n\n\n\nJualan 7.7 Zalora\n\n\n\n\nDapatkan \ndiskaun\n \nsehingga 80%\n\n\nTawaran \n\u2018Super Crazy\u2019\n pada pukul 5 petang\n\n\nTambah ke dalam troli & \u2018\ncheckout\n\u2019 dari \nsekarang\n \nhingga 9 Julai\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nSenheng \n(+sehingga 3.50% akan dilaburkan)\u00a0\n\n\n\n\n\n\n\n\n\n\n7.7 Double Madness\n\n\n\n\nBaucar\n eksklusif dalam talian \nsehingga RM200 \n(kuantiti terhad)\n\n\nPulangan tunai\n S-Coin\n sehingga 50%\n\n\nWaranti 1\n tahun tambahan percuma\n untuk ahli PlusOne\n\n\nPromosi sah dari \nsekarang hingga 9 Julai\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nBig Pharmacy \n(+1.40% akan dilaburkan)\u00a0\n\n\n\n\n\n\n\n\n\n\nJualan 7.7\n\n\n\n\nDapatkan \ndiskaun\n \nsehingga 50%\n sempena jualan 7.7\n\n\nDapatkan \ndiskaun RM7\n apabila anda menggunakan kod \nJULYDD7\n dengan perbelanjaan minima RM120\n\n\nDapatkan \ndiskaun RM17\n apabila anda menggunakan kod \nJULYDD17\n dengan perbelanjaan minima RM240\n\n\nDapatkan \ndiskaun RM27\n apabila anda menggunakan kod \nJULYDD27\n dengan perbelanjaan minima RM340\n\n\n\n\n\n\n\u00a0\n\n\nTrapo \n(+3.50% akan dilaburkan)\u00a0\n\n\n\n\n\n\n\n\n\n\nJualan 7.7 \n\n\n\n\nDapatkan \npotongan sebanyak 13%\n (tiada kod promo diperlukan)\n\n\nSah dari \nsekarang\n \nhingga 8 Julai\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\n\n\n*Raiz Rewards anda akan dimasukkan ke dalam akaun Raiz anda dalam tempoh 3 bulan dari tarikh pembelian kecuali dinyatakan sebaliknya. Untuk maklumat lanjut, sila lihat Terma & Syarat di bahagian Raiz Rewards untuk setiap jenama.\n\n\nIngin tahu lebih lanjut?\n\n\n\n\n\n\nBaca Soalan Lazim di \nsini\n.\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\u00a0\n\n\nIngin menggunakan Raiz Rewards tetapi tiada aplikasi Raiz?\n\n\nMuat turun dengan percuma di \u2018\nApp \nstore\u2019 atau \u2018\nWebapp\u2019 \nmenggunakan pautan di \nsini.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nMaklumat\u00a0\nPenting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\n\n\n\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-jualan-hari-gaji/", "title": "Raiz Rewards: Jualan Hari Gaji!", "body": "Raiz Rewards: Jualan Hari Gaji!\n\n\n\n\n\n\n\n\n\n\n\n\nClick here for English\n\n\n24/02/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Jualan Hari Gaji!\n\n\n\u00a0\n\n\nJangan lepaskan peluang untuk mendapatkan diskaun sempena Jualan Hari Gaji\u00a0 untuk bulan Februari!\n Lihat promosi menarik dari rakan jenama kami dan dapatkan bonus tunai apabila anda membuat pembelian menggunakan \u201c\nRaiz Rewards\n\u201d. Bonus tunai anda akan dilaburkan ke dalam akaun Raiz anda secara automatik.\n\n\n\n\nPergi ke \u201c\nRaiz Rewards\n\u201d di dalam aplikasi Raiz, pergi ke jenama kegemaran anda, dan klik \u201c\nShop Online Here\n\u201d. Kami akan membawa anda ke aplikasi/laman web rakan jenama kami. Berbelanjalah seperti biasa, dan anda akan dalam perjalanan untuk menerima bonus tunai. *\n\n\nJadi, sambil anda membeli, anda melabur!\n\n\n*Tertakluk pada terma & syarat.\n\n\n\n\n\n\n\u00a0\n\n\n\n\nLazada\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n(+sehingga 9.1% akan dilaburkan)\n\n\nTawaran Istimewa: Jualan Hari Jadi Lazada yang ke-11!\n\n\n\n\nKumpulkan baucar \ndiskaun\n \nsehingga 50%\n dan gunakan pada 3 Mac 2023 ini.\n\n\nTambah ke troli sekarang & \u2018\ncheck out\u2019\n pada 3 \u2013 13 Mac 2023.\n\n\nPenghantaran percuma.\n\n\n\n\n\n\n\n\n\u00a0\n\n\nShopee\n\n\n\n\n(+sehingga 6.37% akan dilaburkan)\n\n\nTawaran istimewa: Jualan Hari Gaji Shopee.\n\n\n\n\nPenghantaran percuma\n dengan perbelanjaan minimum RM10\n\n\nTawaran RM25\n\n\nKumpul & gunakan \nbaucar rebat 10%\n Siapa cepat dia dapat!\n\n\n\n\n\n\n\n\n\u00a0\n\n\nAirAsia Food\u00a0\n\n\n\n\n\n\n(+sehingga 2.45% akan dilaburkan)\n\n\nTawaran Istimewa: AirAsia Food\n\n\n\n\nGunakan kod promo \nAAF12\n dan dapatkan tawaran RM1.20 untuk makanan terpilih. (terhad kepada 12 penebusan bagi setiap pengguna)\n\n\nGunakan kod promo \nFREEDEL\n dan dapatkan penghantaran percuma (terhad kepada RM5) dengan perbelanjaan minima RM20.\n\n\n\n\n\u00a0\n\n\nTrapo\n\n\n\n\n(+3.43% akan dilaburkan)\n\n\nTawaran Istimewa: Jualan Hari Gaji \n\n\n\n\nDapatkan \ndiskaun 20%\n untuk pembelian Boot Mat. (\u00e0 la carte)\n\n\nDapatkan \ndiskaun eksklusif 35%\n untuk pembelian Boot Mat dengan pembelian bersama \nTrapo Car Mat.\n\n\nTawaran berlangsung sehingga 27 Feb 2023.\n\n\n\n\n\u00a0\n\n\nFocus Point\n\n\n\n\n(+ sehingga 3.92% akan dilaburkan)\n\n\nTawaran Istimewa: Jualan kaca mata berjenama dalam talian\n\n\n\n\nDapatkan \ndiskaun sehingga 40%\n untuk setiap pembelian cermin mata berjenama + dapatkan Hoshi Lens percuma.\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nIngin tahu lebih lanjut?\n\n\n\n\nBaca Soalan Lazim di \nsini\n.\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\u00a0\n\n\nIngin menggunakan Raiz Rewards tetapi tiada aplikasi Raiz?\n\n\nMuat turun dengan percuma di \u2018\nApp \nstore\u2019 atau \u2018\nWebapp\u2019 \nmenggunakan pautan di \nsini.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nMaklumat\u00a0\nPenting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\n\n\n\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-jualan-mei-codashop/", "title": "Raiz Rewards: Jualan Mei Codashop!", "body": "Raiz Rewards: Jualan Mei Codashop!\n\n\n\n\n\n\n\n\n\n\n\n\nClick here for English\n\n\n26/05/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Jualan Mei Codashop!\n\n\n\u00a0\n\n\nPerhatian kepada semua \ngamers\n! Codashop sedang mengadakan tawaran untuk bulan Mei! Dapatkan bonus tunai apabila anda membuat pembelian tambah nilai dalam talian melalui \u201c\nRaiz\n\u201d. Bonus tunai anda akan dimasuk dan dilaburkan ke dalam akaun Raiz anda secara automatik.\n\n\n\n\nPergi ke \u201c\nRaiz Rewards\n\u201d di dalam aplikasi Raiz, cari \nCodashop\n, dan klik \u201c\nShop Online Here\n\u201d.Kami akan membawa anda ke laman web Codashop. Tambah nilai seperti biasa, dan anda akan dalam perjalanan untuk menerima bonus tunai*.\n\n\nJadi, sambil anda tambah nilai, anda melabur!\n\n\n*Tertakluk pada terma & syarat.\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nCashback\n RM4!\n\n\n\n\nLengkapkan cabaran dengan membelanjakan jumlah terkumpul sebanyak RM70 (MLBB Diamonds) dengan Codacash.\n\n\nSetelah selesai, anda boleh menebus kod hadiah Codacash anda secara automatik.\n\n\nBerlangsung sehingga 31 Mei 2023.\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\nCashback \n5%!\n\n\n\n\nTambah nilai mata Valorant anda dengan Codacash & dapatkan pulangan tunai 5%.\n\n\n\n\n\nLebih diskaun untuk lebih banyak \ngames!\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nGame\n\n\nDiskaun (%)\n\n\n\n\n\n\nBorderlands 3\n\n\n85%\n\n\n\n\n\n\nBorderlands 3 Super Deluxe including Final Form Packs\n\n\n75%\n\n\n\n\n\n\nBorderlands 3 Ultimate Edition\n\n\n70%\n\n\n\n\n\n\nCivilization VI\n\n\n90%\n\n\n\n\n\n\nCivilization VI Platinum Edition\n\n\n81%\n\n\n\n\n\n\nCivilization VI Anthology Edition\n\n\n70%\n\n\n\n\n\n\nNBA 2K23\n\n\n84%\n\n\n\n\n\n\nNBA 2K23 Michael Jordan Edition\n\n\n67%\n\n\n\n\n\n\nTiny Tina Assault on Dragon\u2019s Keep\n\n\n50%\n\n\n\n\n\n\nTiny Tina Wonderlands\n\n\n50%\n\n\n\n\n\n\nTiny Tina Wonderlands: Chaotic Great\n\n\n50%\n\n\n\n\n\n\nThe Quarry\n\n\n60%\n\n\n\n\n\n\nThe Quarry Deluxe Edition\n\n\n60%\n\n\n\n\n\n\nMarvel\u2019s Midnight Suns\n\n\n50%\n\n\n\n\n\n\nMarvel\u2019s Midnight Suns Legendary Edition\n\n\n50%\n\n\n\n\n\n\nMarvel\u2019s Midnight Suns Digital+ Edition\n\n\n50%\n\n\n\n\n\n\nThe Outer Worlds\n\n\n34%\n\n\n\n\n\n\nThe Outer Worlds Non-Mandatory Corporate-Sponsored Bundle\n\n\n20%\n\n\n\n\n\n\nOlliOlliWorld\n\n\n40%\n\n\n\n\n\n\nOlliOlliWorld Rad Edition\n\n\n33%\n\n\n\n\n\n\nRed Dead Redemption 2 Standard Edition\n\n\n67%\n\n\n\n\n\n\nRed Dead Redemption 2 Ultimate Edition\n\n\n70%\n\n\n\n\n\n\nGTA V Premium Online Edition\n\n\n50%\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nIngin tahu lebih lanjut?\n\n\n\n\nBaca Soalan Lazim di \nsini\n.\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\u00a0\n\n\nIngin menggunakan Raiz Rewards tetapi tiada aplikasi Raiz?\n\n\nMuat turun dengan percuma di \u2018\nApp \nstore\u2019 atau \u2018\nWebapp\u2019 \nmenggunakan pautan di \nsini.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nMaklumat\u00a0\nPenting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\n\n\n\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-jualan-tahun-baru-cina-2023/", "title": "Raiz Rewards: Jualan Tahun Baru Cina 2023!", "body": "Raiz Rewards: Jualan Tahun Baru Cina 2023!\n\n\n\n\n\n\n\n\n\n\n\n\nClick here for English\n\n\n13/01/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Jualan Tahun Baru Cina 2023!\n\n\n\u00a0\n\n\nJangan lepaskan peluang untuk mendapatkan diskaun sempena Jualan Tahun Baru Cina!\n\n\nLihat promosi menarik dari rakan jenama kami dan dapatkan ganjaran tunai apabila anda membuat pembelian melalui Raiz! Ganjaran tunai anda akan dilaburkan ke dalam akaun Raiz anda secara automatik.\n\n\n\n\nPergi ke \u201c\nRaiz Rewards\n\u201d di dalam aplikasi Raiz, pergi ke jenama kegemaran anda, dan klik \u201c\nShop Online Here\n\u201d. Kami akan membawa anda ke aplikasi/laman web rakan jenama kami. Berbelanjalah seperti biasa, dan anda akan dalam perjalanan untuk menerima bonus tunai. *\n\n\nJadi, sambil anda membeli, anda melabur!\n\n\n*Tertakluk pada terma & syarat.\n\n\n\n\n\n\n\u00a0\n\n\n\n\nLazada\n\n\n\n\n\n\n\n\n\n\n\n\n(+sehingga 9.1% akan dilaburkan)\n\n\nTawaran CNY: Jualan Huat 2gether!\n\n\n\n\nTawaran \nHuat\n diskaun \nsehingga 50%\n.\n\n\nPenghantaran percuma\n setiap hari dengan perbelanjaan minimum RM8.\n\n\nTawaran gaya terkini \nserendah\n RM39 untuk koleksi Tahun Baru Cina.\n\n\nTawaran peralatan tulis & buku \nserendah RM18.88\n.\n\n\n\n\n\n\n\n\n\u00a0\n\n\nShopee\n\n\n \n\n\n\n\n(+sehingga 6.37% akan dilaburkan)\n\n\nTawaran CNY: Gaya baru CNY\n\n\n\n\nDiskaun 88% \ntawaran.\n\n\nPenghantaran percuma\n dengan perbelanjaan minimum RM8.\n\n\nPeluang untuk memenangi \nAngpow\n \nberjumlah\n \nRM8,000.\n\n\nBaucar bonus \npotongan 88%\n setiap hari.\n\n\nTawaran \nbeli 1 percuma 1\n (untuk penjual terpilih sahaja).\n\n\nLihat kod promo khas pada aplikasi Raiz anda!\n\n\n\n\n\n\n\n\n\u00a0\n\n\nBus Online Ticket \n\n\n\n\n(+1.47% akan dilaburkan)\n\n\nTawaran CNY: Tiket bas untuk CNY 2023 telah tersedia dalam talian\n\n\n\n\nSemak jadual bas & tempah tiket bas anda sekarang!\n\n\n\n\n\u00a0\n\n\nZalora \n\n\n\n\n(+4.2% akan dilaburkan)\n\n\nTawaran CNY: Jualan CNY Zalora\n\n\n\n\nDiskaun sehingga 80%.\n\n\nJualan kilat pulangan tunai yang besar.\n\n\nTawaran \npenghantaran percuma\n.\n\n\nBeli & Menang\n sehingga RM888.\n\n\n\n\n\u00a0\n\n\nKlook \n\n\n\n\n(+sehingga 3.5% invested)\n\n\nTawaran CNY: Klook CNY \n\n\n\n\nDapatkan \ndiskaun sehingga 88%\n untuk tawaran percutian.\n\n\nHadiah\n bernilai sehingga RM2,800.\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nCarsome\n\n\n\n\n(+RM12.25 akan dilaburkan)\n\n\nTawaran CNY: Carsome CNY \n\n\n\n\nDapatkan kereta baru anda dengan faedah bermula dari \n88%\n.\n\n\nPakej servis kenderaan \ndari RM98\n & \npemeriksaan kereta percuma\n dari Carsome.\n\n\n\n\n\u00a0\n\n\nAdidas \n\n\n\n\n(+2.94% akan dilaburkan)\n\n\nTawaran CNY: Koleksi Tahun Lunar \u00a0\n\n\n\n\nLihat koleksi Tahun Baru Lunar Adidas yang terkini.\n\n\nAhli adiClub berpeluang untuk mendapat \npaket Tahun Baru eksklusif\n dengan sebarang pembelian dalam talian (sementara stok masih ada).\n\n\n\n\n\u00a0\n\n\nRoyalePharma \n\n\n\n\n(+3.43% akan dilaburkan)\n\n\nTawaran CNY: #ROYALEDEAL CNY EDITION\n\n\n\n\nDapatkan \npenghantaran percuma\n apabila anda berbelanja RM100 dan ke atas.\n\n\nDiskaun sehingga 50%\n untuk produk yang terpilih sahaja (sementara stok masih ada).\n\n\n\n\n\u00a0\n\n\nBig Pharmacy \n\n\n\n\n(+1.96% akan dilaburkan)\n\n\nTawaran CNY: #ROYALEDEAL CNY EDITION\n\n\n\n\nGunakan kod promo \nBIGCNY38 \n& \ndapatkan potongan RM38\n dengan perbelanjaan minimum RM388.\n\n\nGunakan kod promo \nBIGCNY20 \n& \ndapatkan potongan sebanyak RM20\n dengan perbelanjaan minimum RM188.\n\n\nGunakan kod promo \nBIGCNY38 \n& \ndapatkan potongan sebanyak RM12\n dengan perbelanjaan minimum RM188.\n\n\n\n\n\u00a0\n\n\nFirefly Airlines \n\n\n\n\n(+1.47% akan dilaburkan)\n\n\nTawaran CNY: Jualan Firefly\n\n\n\n\nDari RM49 untuk perjalanan sehala.\n\n\nTempoh tempahan: Sekarang \u2013 15 Jan 2023.\n\n\nTempoh perjalanan: 16 Jan \u2013 31 Mei 2023.\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nIngin tahu lebih lanjut?\n\n\n\n\nBaca Soalan Lazim di \nsini\n.\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\u00a0\n\n\nIngin menggunakan Raiz Rewards tetapi tiada aplikasi Raiz?\n\n\nMuat turun dengan percuma di \u2018\nApp \nstore\u2019 atau \u2018\nWebapp\u2019 \nmenggunakan pautan di \nsini.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nMaklumat\u00a0\nPenting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\n\n\n\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-last-call-for-raya-shopping/", "title": "Raiz Rewards: Last call for Raya shopping!", "body": "Raiz Rewards: Last call for Raya shopping!\n\n\n\n\nKlik sini untuk Bahasa Melayu\n\n\n14/04/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Last call for Raya shopping!\n\n\n\u00a0\n\n\nWe only have one week left before Raya (no more \nRaya terkejut\n for this year, we hope)! Most importantly, now is the best time to clear and check out all items from your cart! We\u2019ve listed the best Raya deals for you to do your last-minute shopping, and the best part is you can get cash bonus (or cashback) when you shop using \n\u201c\nRaiz\n\u201d\n! Your cashback will go into your Raiz account and get invested automatically.\n\n\n\n\nJust go to \n\u201c\nRaiz Rewards\n\u201d\n in your app, search for your favourite brand, and click the \u201c\nShop Online Here\n\u201d button. We\u2019ll direct you to the brand\u2019s app/website. Shop like normal, and you will be on your way to get your cashback*.\n\n\nSo, as you shop, you invest!\n\n\n*Terms & Conditions apply.\n\n\n\n\n\u00a0\n\n\nShopee \n(+up to 6.37% invested)\n\n\n\n\nRaya Sayang Hei!\n\n\n\n\nRM10 Raya deals\n\n\nGet \nfree shipping\n with a minimum spend of RM5\n\n\nTap & win\n Perodua Alza\n\n\nPromotion lasts until 24 April 2023\n\n\n\n\n\u00a0\n\n\nLazada \n(+up to 9.1% invested)\n\n\n\n\nMembeli untuk Memberi\n\n\n\n\nEnjoy \nup to 25% cashback\n\n\nFast\n delivery\n & \nfree shipping\n\n\nUp\n to 50%\n stackable discounts\n\n\n\n\n\n\n\u00a0\n\n\nZalora \n(+4.2% invested)\n\n\n\n\n#ZALORAYA2023\n\n\n\n\nGet \nup to 80% off\n with #ZALORAYA2023\n\n\nOver 4,000 styles \nunder RM99\n\n\nDaily Raya deals\n\n\nExclusive designer sales\n\n\nPromotion lasts until 22 April 2023\n\n\n\n\n\n\n\u00a0\n\n\nAdidas \n(+2.94% invested)\n\n\n\n\n\n\nAdidas Raya Sale\n\n\n\n\nBuy 2 and \nget 40% off\n with Adidas Raya Sale.\n\n\n\n\n\u00a0\n\n\nPoplook \n(+1.96% invested)\n\n\n\n\n#PoplookRaya2023\n\n\n\n\nGet \nup to 80% off\n for Poplook\u2019s Raya Collection\n\n\nPromotion lasts until 23 April 2023\n\n\n\n\n\u00a0\n\n\nUniqlo \n(+1.96% invested)\n\n\n\n\n\n\nRaya Collection 2023 from Uniqlo\n\n\n\n\nCheck out Uniqlo\u2019s \n2023 Raya Collection \n\n\nGet styling tips for Raya outfits\n\n\nBrowse Uniqlo\u2019s Raya lookbook and shop the look!\n\n\n\n\n\n\n\u00a0\n\n\nSephora\n (+up to 3.92% invested)\n\n\n\n\n\n\nHari Raya Beauty Essentials\n\n\n\n\nEnjoy \nup to 50% off\n\n\nUse code \nKINDBEAUTY\n and receive a set of Sephora Raya packets with a minimum spend of RM200 code\n\n\nUse code \nRAYABEAUTY\n and get an exclusive Sephora x RR designer scarf with a minimum spend of RM500\n\n\n\n\n\n\n\n\n\u00a0\n\n\nWatsons \n(+1.47% invested)\n\n\n\n\n\n\nRahsia Gaya Raya!\n\n\n\n\nGet special offer discounts of \nup to 25%\n for Watsons members\n\n\nGet \nup to 50% off\n on selected items\n\n\nPromotion lasts until 8 May 2023\n\n\n\n\n\n\n\u00a0\n\n\nRoyalePharma \n(+3.43% invested)\n\n\n\n\n\n\n\n\n#RoyaleDeals Raya Edition\n\n\n\n\nEnjoy\n up to 50% off\n on selected products\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nNeed more details?\n\n\n\n\nRead the FAQ on Raiz Rewards\u00a0\nhere\n.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nWant to use Raiz Rewards but don\u2019t have the Raiz App?\n\n\nDownload it for free in the App store or the Webapp \nhere.\n\n\n\u00a0\n\n\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-last-minute-cny-s-hop-ping-sure-can/", "title": "Raiz Rewards: Last minute CNY s-HOP-ping? Sure can!", "body": "Raiz Rewards: Last minute CNY s-HOP-ping? Sure can!\n\n\n\n\nKlik sini untuk Bahasa Melayu\n\n\n20/01/2023\n\n\n\u00a0\n\n\nEarly bird gets the worms. Late bunnies get Lazada\u2019s Huat Deals up to 50% off!\n\n\n\u00a0\n\n\n\n\n\n\n\n\nWe\u2019ve narrowed down some amazing promotions you can find on LazMall. Get cash bonus of \nup to 9.1% \nwhen you shop online via Raiz! Your cash bonus will get invested into your Raiz account automatically.*\n\n\nHow?\n\n\n\n\nLog in to your Raiz app & go to \n\u201c\nRaiz Rewards\n\u201d\n.\n\n\nClick \nLazada\n & tap on the \n\u201c\nShop Online Here\n\u201d.\n\n\nOnce you\u2019re on the home page, click \nLazMall\n and search for your favourite brand\u2019s \nFlagship Store\n.\n\n\nShop as usual and you will be on your way to receive your cash bonus!\n\n\n\n\n\u00a0\n\n\n*Terms & Conditions apply.\n\n\n\u00a0\n\n\nLazmall: JELLY BUNNY FLAGSHIP STORE\n\n\n\n\n(+up to 9.1% invested)\n\n\n\n\nGet \nup to 60% off\n when you shop with \nJelly Bunny Flagship Store \non LazMall.\n\n\nPromotion period: \nNow \u2013 25 January 2023\n\n\n\n\n\u00a0\n\n\n\n\nLazmall: SKECHERS FLAGSHIP STORE\n\n\n\n\n(+up to 9.1% invested)\n\n\n\n\nGet \nup to 50% off\n when you shop with \nSkechers Flagship Store\n on LazMall.\n\n\nPromotion period: \nNow \u2013 24 January 2023\n\n\n\n\n\n\n\n\n\u00a0\n\n\nLazMall: MUJI FLAGSHIP STORE\n\n\n\n\n(+up to 9.1% invested)\n\n\n\n\nGet \nup to 30% off\n when you shop with \nMuji Flagship Store \non LazMall.\n\n\nPromotion period: \nNow \u2013 2 February 2023\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nNeed more details?\n\n\n\n\nRead the FAQ on Raiz Rewards\u00a0\nhere\n.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nWant to use Raiz Rewards but don\u2019t have the Raiz App?\n\n\nDownload it for free in the App store or the Webapp \nhere.\n\n\n\u00a0\n\n\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-long-weekend-incoming/", "title": "Raiz Rewards: Long weekend incoming!", "body": "Raiz Rewards: Long weekend incoming!\n\n\n\n\nKlik sini untuk Bahasa Melayu\n\n\n23/06/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Long weekend incoming!\n\n\n\u00a0\n\n\nCheck out these amazing travel promotions for the upcoming long weekend below! Book online now with our travel brand partners and get cash reward (or cashback)! Your cash reward will be credited into your Raiz account and get invested automatically.\n\n\n\n\nJust go to \n\u201c\nRaiz Rewards\n\u201d\n in your app, search for your favourite brand, and click the \u201c\nShop Online Here\n\u201d button. We\u2019ll direct you to the brand\u2019s app/website. Shop like normal, and you will be on your way to get your cashback*. \nNo registration needed! \n\n\nSo, as you shop, you invest! It\u2019s as easy as 123\n\n\n\u00a0\n\n\nAgoda \n(+2.10% invested)\n\n\n\n\n\n\n\n\n\n\nGo for a staycation at stay at these hotels in KL \u2013 One World Hotel, Hotel Maya, de King Boutique Hotel KLCC, Royale Chulan and many more!\n\n\nBook now for an \nextra 15% off\n\n\n\n\n\n\n\u00a0\n\n\nAirAsia Flight \n(+up to 0.35% invested)\n\n\n\n\n\n\nDomestic flights: Fare \nstarts from RM14\n when you fly from KL to Langkawi, Penang, Kuala Terengganu, Johor Bahru, Alor Setar, Kota Bharu & more!\n\n\nInternational flight: Fare \nstarts from RM294\n when you fly from KL to Taipei, Busan, Gold Coast, Hangzhou, Amritsar, Osaka & more!\n\n\nBooking period: \nNow \u2013 25 Jun 2023\n\n\nTravel period: \n1 Sep 2023 \u2013 8 Oct 2024\n\n\n\n\n\u00a0\n\n\nTrip.com \n(+up to 1.75% invested)\u00a0\n\n\n\n\n\n\nRedeem the promo codes and \nenjoy discounts of up to RM20 OFF\n for selected attractions. Buy now for instant savings!\n\n\n\n\n\u00a0\n\n\nKlook \n(+up to 2.50% invested)\n\n\n\n\n\n\n\n\nGet \nup to RM150 off\n for your short getaway\n\n\nApply promo code \nMYHOLIDAY5 \nand get 5% off on all activities\n\n\nApply promo code \nMYHOTELS5\n and get 5% off on all hotel stays\n\n\n\n\n\n\n\u00a0\n\n\nAirpaz \n(+0.49% invested)\n\n\n\n\n\n\n\n\nUse promo code \nAPZFLIGHTMYR3\n and get RM3.00 off with no minimum purchase for all airlines\n\n\nUse promo code \nAPZFLIGHTMYR10\n and get RM10.00 off with a minimum purchase of RM275.00 for all airlines\n\n\nUse promo code \nAPZFLIGHTMYR20\n and get RM20.00 off with a minimum purchase of RM650.00. Valid for flights by AirAsia, AirAsia X, AirAsia Zest, Garuda Indonesia, Indonesia AirAsia, Jetstar Asia Airways, Lion Air, Malaysia Airlines, Malindo, Scoot.\n\n\nPromo period: Now until 30 June 2023\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\n\n\n*Your Raiz Rewards will be credited into your Raiz account within 3 months of purchase unless otherwise specified. For more details, please check out the T&Cs within the Raiz Rewards section for each brand.\n\n\n\u00a0\n\n\nNeed more details?\n\n\n\n\n\n\nRead the FAQ on Raiz Rewards\u00a0\nhere\n.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nWant to use Raiz Rewards but don\u2019t have the Raiz App?\n\n\nDownload it for free in the App store or the Webapp \nhere.\n\n\n\u00a0\n\n\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-look-out-for-8-8/", "title": "Raiz Rewards: Look Out for 8.8!", "body": "Raiz Rewards: Look Out for 8.8!\n\n\n\n\nKlik sini untuk Bahasa Melayu\n\n\n21/07/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Look Out for 8.8!\n\n\n\u00a0\n\n\nEarn cash rewards when you shop online now using Raiz! Your cashback will go into your Raiz account and will get invested automatically.\n\n\n\n\nJust go to \n\u201c\nRaiz Rewards\n\u201d\n in your app, search for your favourite brand, and click the \u201c\nShop Online Here\n\u201d button. We\u2019ll direct you to the brand\u2019s app/website. Shop like normal, and you will be on your way to get your cashback*. \nNo registration needed!\n\n\n\n\n\n\nSo, as you spend, you invest! It\u2019s as easy as 123.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\nraiz rewards\n\n\n\n\n\n\n\n\n\n\n\n\n*Your Raiz Rewards will be credited into your Raiz account within 3 months of purchase unless otherwise specified. For more details, please check out the T&Cs within the Raiz Rewards section for each brand.\n\n\n\u00a0\n\n\nNeed more details?\n\n\n\n\n\n\nRead the FAQ on Raiz Rewards\u00a0\nhere\n.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nWant to use Raiz Rewards but don\u2019t have the Raiz App?\n\n\nDownload it for free in the App store or the Webapp \nhere.\n\n\n\u00a0\n\n\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-merancang-percutian-2023/", "title": "Raiz Rewards: Merancang percutian 2023?", "body": "Raiz Rewards: Merancang percutian 2023?\n\n\n\n\n\n\n\n\n\n\n\n\nClick here for English\n\n\n17/02/2023\n\n\n\u00a0\n\n\nRaiz Rewards: \nMerancang percutian 2023?\n\n\n\u00a0\n\n\nRancang percutian anda untuk tahun ini bersama rakan jenama kami! Tiket penerbangan, penginapan, aktiviti menarik, semua ada.\u00a0Cuti sekolah pun dah nak mula. Jom, lihat tawaran dari rakan jenama kami! Dan yang lagi \nbest\n? Dapatkan bonus tunai apabila anda menempah dengan menggunakan \u201c\nRaiz Rewards\n\u201d! Bonus tunai anda akan dilaburkan ke dalam akaun Raiz anda secara automatik.\n\n\n\n\nPergi ke \u201c\nRaiz Rewards\n\u201d di dalam aplikasi Raiz, pergi ke jenama kegemaran anda, dan klik \u201c\nBook Online Here\n\u201d. Kami akan membawa anda ke aplikasi/laman web rakan jenama kami. Tempah seperti biasa, dan anda akan dalam perjalanan untuk menerima bonus tunai*.\n\n\nJadi, sambil anda menempah, anda melabur!\n\n\n*Tertakluk pada terma & syarat.\n\n\n\n\n\n\n\u00a0\n\n\n\n\nTrip.com\n\n\n\n\n(+sehingga 2.45% akan dilaburkan)\n\n\n\n\nPilih lebih daripada 1.2 juta hotel di lebih 200 negara dan tempah penerbangan untuk lebih daripada 5,000 destinasi di seluruh dunia dengan \nTrip.com.\n\n\n\n\n\u00a0\n\n\nAirpaz \n\n\n\n\n\n\n(+0.69% akan dilaburkan)\n\n\n\n\nAirpaz\n memberikan pengalaman tempahan yang hebat dengan menyediakan pembayaran yang fleksibel dalam mata wang tempatan, urusan\u00a0 dan langkah tempahan yang mudah, dan sokongan pelanggan 24/7.\n\n\nDapatkan promosi eksklusif untuk penerbangan dan hotel. \nBagaimana?\n Hanya pergi ke Raiz Rewards, pilih Airpaz & klik pada butang \nBook Online Here\n. Pada halaman utama Airpaz, klik Promosi.\n\n\n\n\n\u00a0\n\n\nAirAsia Flight \n\n\n\n\n(+3.43% akan dilaburkan)\n\n\nTawaran Istimewa: 5 juta tempat duduk percuma!\n\n\n\n\nAirAsia melancarkan tempat duduk percuma pertama untuk tahun ini dengan \n5 juta tempat duduk PERCUMA*\n untuk direbut.\n\n\nTempoh tempahan:\n Sekarang \u2013 19 Februari 2023\n\n\nTempoh perjalanan:\n 1 Mac \u2013 10 Disember 2023\n\n\n\n\n*Tertakluk kepada terma &syarat.\n\n\n\n\n\u00a0\n\n\nKlook\n\n\n\n\n(+sehingga 3.5% akan dilaburkan)\n\n\nTawaran istimewa: Cuti sekolah lebih seronok dengan Klook!\n\n\n\n\nDapatkan \npotongan sehingga RM50\n untuk aktiviti keluarga (dengan perbelanjaan minimum RM500)\n\n\nDapatkan \ndiskaun sehingga 50%\n untuk tarikan popular di Malaysia.\n\n\n\n\n\n\n\u00a0\n\n\nAgoda\n\n\n\n\n(+ 2.94% akan dilaburkan)\n\n\nTawaran istimewa:\n\n\n\n\nDiskaun sehingga 30%\n untuk harga hotel antarabangsa.\n\n\nLihat tawaran dan kupon lain untuk lebih banyak penjimatan. \nBagaimana?\n Hanya pergi ke Raiz Rewards, pilih Agoda & klik pada butan Book Online Here. Pada halaman utama Agoda, klik Coupons & Deals.\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nIngin tahu lebih lanjut?\n\n\n\n\nBaca Soalan Lazim di \nsini\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\nIngin menggunakan Raiz Rewards tetapi tiada aplikasi Raiz?\n\n\nMuat turun dengan percuma di \u2018\nApp \nstore\u2019 atau \u2018\nWebapp\u2019 \nmenggunakan pautan di \nsini\n:\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nMaklumat\u00a0\nPenting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\n\n\n\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-merdeka-special/", "title": "Raiz Rewards: Merdeka Special!", "body": "Raiz Rewards: Merdeka Special!\n\n\n\n\nKlik sini untuk Bahasa Melayu\n\n\n25/08/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Merdeka Special!\n\n\n\u00a0\n\n\nCheck out these Merdeka deals to save more! On top of that, get cash bonus (or cashback) when you shop using Raiz! Your cashback will go into your Raiz account and will get invested automatically.\n\n\n\n\nJust go to \n\u201c\nRaiz Rewards\n\u201d\n in your app, search for your favourite brand, and click the \u201c\nShop Online Here\n\u201d button. We\u2019ll direct you to the brand\u2019s app/website. Shop like normal, and you will be on your way to get your cashback*. \nNo registration needed!\n\n\n\n\n\n\nSo, as you shop, you invest! It\u2019s as easy as 123.\n\n\n\u00a0\n\n\n\n\nGetting a new gadget?\n\n\nOppo (+up to 2.1% will be invested)\n\n\n\n\n66th Merdeka with OPPO\n\n\n\n\nFlash sales with \ndiscounts up to RM400\n\n\n1-to-1 giveaway\n \u2013 Buy selected items and get a free \ngiveaway worth up to RM299\n\n\n\n\n\u00a0\n\n\nLogitech \u2013 Shopee (+up to 4.55% will be invested)\n\n\n\n\nMerdeka Exclusive: Unlock Your Space!\n\n\n\n\nGet \nup to 22% off\n for keyboard purchases\n\n\nClaim \n3% off coupon\n with a minimum spend of RM60 (capped at RM30)\n\n\nClaim \n5% off coupo\nn with a minimum spend of RM120 (capped at RM40)\n\n\n\n\n\u00a0\n\n\nShopping for some household items?\n\n\nLotus\u2019s (+up to 1.05% invested)\n\n\n\n\nHari-Hari Harga Rendah: Lebihhh Murah\n\n\n\n\nUse promo code \nAUGPAY10\n and get\n RM10 discount\n (min. spend RM200)\n\n\nUse promo code \nAUGPAY15\n and get \nRM15 discount\n (min. spend RM300)\n\n\n\n\n\u00a0\n\n\nTravelling somewhere?\n\n\nMalaysia Airlines (+up to 1% will be invested)\n\n\n\n\n66th Merdeka Sale\n\n\n\n\nDomestic flights\n from RM66\n\n\nInternational flights\n from RM266\n\n\nPromotion ends until 27 August 2023\n\n\n\n\n\u00a0\n\n\nFireflyAirlines (+up to 0.85% will be invested)\n\n\n\n\nNational Day Deals\n\n\n\n\nGet \n31% off\n for 2 pax or more\n\n\nPromotion ends until 27 August 2023\n\n\n\n\n\u00a0\n\n\nKlook (+up to 2.5% will be invested)\n\n\n\n\nExclusive Merdeka & Malaysia Day Flash Deals\n\n\n\n\nUse promo code \nNEGARAKU66\n and get\n RM66 off \nfor Malaysia activities (min. spend RM300)\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\n\n\n*Your Raiz Rewards will be credited into your Raiz account within 3 months of purchase unless otherwise specified. For more details, please check out the T&Cs within the Raiz Rewards section for each brand.\n\n\n\u00a0\n\n\nNeed more details?\n\n\n\n\n\n\nRead the FAQ on Raiz Rewards\u00a0\nhere\n.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nWant to use Raiz Rewards but don\u2019t have the Raiz App?\n\n\nDownload it for free in the App store or the Webapp \nhere.\n\n\n\u00a0\n\n\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-mothers-day/", "title": "Raiz Rewards: Mother\u2019s Day!", "body": "Raiz Rewards: Mother\u2019s Day!\n\n\n\n\nKlik sini untuk Bahasa Melayu\n\n\n12/05/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Mother\u2019s Day!\n\n\n\u00a0\n\n\nFinding something special for your mother? We\u2019ve got you covered! Check out these awesome gifts & promos and also get your cash bonus (or cashback) when you shop with our brand partners using\n \u201c\nRaiz\n\u201d\n!\n\nYour cashback will go into your Raiz account and get invested automatically.\n\n\n\n\nJust go to \n\u201c\nRaiz Rewards\n\u201d\n in your app, search for your favourite brand, and click the \u201c\nShop Online Here\n\u201d button. We\u2019ll direct you to the brand\u2019s app/website. Shop like normal, and you will be on your way to get your cashback*.\n\n\nSo, as you shop, you invest!\n\n\n*Terms & Conditions apply.\n\n\n\n\n\n\n\n\n\n\n\n\nEat Cake Today \n(+up to 2.45% invested)\n\n\n\n\nMother\u2019s Day Collection \n\n\n\n\nTreat mom with cakes and tarts from your favourite baker at Eat Cake Today, delivered to your door in just 4 hours!\n\n\n\n\n\u00a0\n\n\n\n\nFlowerchimp\n (+4.2% invested)\n\n\n\n\nMother\u2019s Day Flowers\n\n\n\n\nMake this Mother\u2019s Day extra special for your mom! Surprise her with a delivery of gorgeous flowers on May 14th.\n\n\nEnjoy \nRM20 rebate\n when you pay using GrabPay with a minimum spend of RM200.\n\n\n\n\n\u00a0\n\n\nRoyalePharma\n (+3.43% invested)\n\n\n\n\n#RoyaleDeals Mother\u2019s Day Edition\n\n\n\n\nGive the gift of love this Mother\u2019s Day with #RoyaleDeals products!\n\n\nShop now and enjoy special \ndiscounts of up to 50%\n.\n\n\nEnjoy \nfree shipping\n on orders RM100 and above.\n\n\n\n\n\u00a0\n\n\nTriumph\n \n(+7% invested)\n\n\n\n\n\n\nTriumph Mother\u2019s Day sale\n\n\n\n\nPurchase any 2 regular priced items and get a \nfree hair vanity kit\n while stock lasts!\n\n\nBuy 2nd piece and get \n30% off\n.\n\n\n\n\n\n\n\u00a0\n\n\nWatsons \n(+1.47% invested)\n\n\n\n\n\n\nKaw Kaw Deals\n\n\n\n\nShow your love by giving the gift of good health.\n\n\nEnjoy \nup to 40% off \non selected healthcare products.\n\n\n\n\n\n\n\n\n\u00a0\n\n\nZalora \n(+4.2% invested)\n\n\n\n\nMother\u2019s Day Elegance\n\n\n\n\nEnjoy \nextra 20% off\n on selected items.\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nNeed more details?\n\n\n\n\nRead the FAQ on Raiz Rewards\u00a0\nhere\n.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nWant to use Raiz Rewards but don\u2019t have the Raiz App?\n\n\nDownload it for free in the App store or the Webapp \nhere.\n\n\n\u00a0\n\n\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-musim-save-tember-bukan-sad-tember/", "title": "Raiz Rewards: Musim SAVE-tember, bukan Sad-tember!", "body": "Raiz Rewards: Musim SAVE-tember, bukan Sad-tember!\n\n\n\n\nClick here for English\n\n\n15/09/2022\n\u00a0\n\n\n\u00a0\n\n\nMusim SAVE-tember, bukan Sad-tember!\n\n\n\u00a0\n\n\nKami ada rakan jenama baru dalam Raiz Rewards! Lihat rakan jenama baru berserta promosi SAVE-tember kami \u2013 jangan lupa untuk tekan \u201c\nShop Online Here\n\u201d.\n\n\nNak dapatkan bonus tunai (cashback) sambil membeli-belah? Guna Raiz Rewards! Bonus tunai anda akan dilaburkan semula ke dalam akaun Raiz anda secara automatik.\n\n\nPergi ke \u201c\nRaiz Rewards\n\u201d di dalam aplikasi Raiz, pergi ke jenama kegemaran anda, dan klik \u201c\nShop Online Here\n\u201d. Kami akan membawa anda ke aplikasi/laman web rakan jenama kami. Berbelanjalah seperti biasa, dan anda akan dalam perjalanan untuk menerima bonus tunai.*\n\n\nJadi, sambil anda membeli, anda melabur!\n\n\n*Tertakluk pada terma & syarat.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nJenama Terkini\n\n\nBig Pharmacy\n\n\n\n\n(+ 1.96% akan dilaburkan)\n\n\nBIG Pharmacy\n menawarkan pelbagai jenis produk \u2013 dari makanan organik, makanan tambahan, bekalan pemulihan kepada barangan kesihatan &kecantikan pada harga yang berpatutan.\n\n\nBeli-belah dalam talian dengan \nBig Pharmacy\n melalui Raiz Rewards dan anda akan mendapat bonus tunai\n 1.96% \ndaripada jumlah pembelian anda dilaburkan semula ke dalam akaun Raiz anda.\n\n\n\u00a0\n\n\nLevis\n\n\n\n\n\n\n(+4.2% akan dilaburkan)\n\n\nLevis\n berterusan melopor industri dengan rekaan klasik mereka seperti seluar jeans 501\u00ae, koleksi inovatif seperti Commuter, Levis Revel dan banyak lagi.\n\n\nBeli-belah dalam talian sekarang dengan \nLevis \nmelalui Raiz Rewards dan anda akan mendapat bonus tunai \n4.2% \ndaripada jumlah pembelian anda yang dilaburkan semula ke dalam akaun Raiz anda.\n\n\n\u00a0\n\n\nTawaran SAVE-tember!\n\n\nKlook\n\n\n\n\n\n\n(+sehingga 3.5% akan dilaburkan)\n\n\nTempah dalam talian dengan \nKlook \nmelalui Raiz Rewards dan anda akan mendapat bonus tunai\u00a0 \nsehingga 3.5%\n daripada jumlah pembelian anda dilaburkan semula ke dalam akaun Raiz anda.\n\n\nPromosi SAVE-tember:\n\n\n\n\nPengguna baru Klook? Gunakan kod \nMALAYSIA10\n untuk diskaun tambahan 10% untuk semua aktiviti di Malaysia, termasuk hotel, sewa kereta, tiket masuk, lawatan, dan pengalaman menjamu selera.\n\n\n\n\n\n\n\u00a0\n\n\nTotal Image\n\n\n\n\n\n\n(+3.92% akan dilaburkan)\n\n\nBeli dalam talian sekarang dengan\u00a0\nTotal Image\n\u00a0melalui Raiz Rewards dan anda akan mendapat \n3.92%\n\u00a0bonus tunai daripada jumlah pembelian anda dilaburkan semula ke dalam akaun Raiz anda.\n\n\nPromosi SAVE-tember:\n\n\n\n\nBeli 1 Percuma 1 Deodoran \n\u201cSmelly No More\u201d\n\n\n\n\n\n\n\u00a0\n\n\n* Semua promosi tertakluk kepada terma & syarat yang ditetapkan oleh jenama yang terbabit.\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nIngin tahu lebih lanjut?\n\n\n\n\nBaca Soalan Lazim di \nsini\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\nIngin dapatkan ganjaran yang \nLEBIH\n selain daripada Raiz Rewards?\n\n\nBagi setiap rakan yang anda rujuk untuk melabur dengan Raiz, kami akan memberikan anda ganjaran bonus RM20. Rakan anda juga akan mendapat ganjaran RM20! Jemput rakan anda sekarang!\n\n\n\u00a0\n\n\nDapatkan Ganjaran RM20\n\n\n\n\nIngin menggunakan Raiz Rewards tetapi tiada aplikasi Raiz?\n\n\nMuat turun dengan percuma di \u2018\nApp \nstore\u2019 atau \u2018\nWebapp\u2019 \nmenggunakan pautan di \nsini\n:\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nMaklumat\u00a0\nPenting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-new-brands-4-4-sale/", "title": "Raiz Rewards: New brands + 4.4 sale!", "body": "Raiz Rewards: New brands + 4.4 sale!\n\n\n\n\nKlik sini untuk Bahasa Melayu\n\n\n31/03/2023\n\n\n\u00a0\n\n\nRaiz Rewards: New brands + 4.4 sale!\n\n\n\u00a0\n\n\nCheck out our NEW brand partners \u2013 Uniqlo & Samsung! Also, don\u2019t forget to add to cart for this 4.4 sale by our brand partners and get cash bonus (or cashback) when you shop using \n\u201c\nRaiz\n\u201d\n!\n\nYour cashback will go into your Raiz account and get invested automatically.\n\n\n\n\nJust go to \n\u201c\nRaiz Rewards\n\u201d\n in your app, search for your favourite brand, and click the \u201c\nShop Online Here\n\u201d button. We\u2019ll direct you to the brand\u2019s app/website. Shop like normal, and you will be on your way to get your cashback*.\n\n\nSo, as you shop, you invest!\n\n\n*Terms & Conditions apply.\n\n\n\n\n\n\n\u00a0\n\n\nNew Brands!\n\n\n\n\nUniqlo \n(New Brand!) (+1.96% invested)\n\n\n\n\nGet comfy with Uniqlo\n\n\n\n\nTake on this Ramadan with Uniqlo\u2019s comfy long bottoms \u2013 featuring Jeans, Ankle Pants, Straight Pants and more\n\n\n\n\n\u00a0\n\n\nSamsung\n (New Brand!) (+1.47% invested)\n\n\n\n\nSamsung Impian Raya Bersama\n\n\n\n\nCheck out\n Samsung \nImpian Raya Bersama\n deals & get your latest Samsung devices now!\n\n\n\n\n\n\n\u00a0\n\n\n4.4 Sale!\n\n\nShopee\n (+up to 6.37% invested)\n\n\n\n\n4.4 Jualan Hebat Ramadan\n\n\n\n\nRM10\n Ramadan deals\n\n\nFree shipping\n with a minimum spend of RM5\n\n\nTap &\n win Perodua Alza!\n\n\n\n\n\n\n\u00a0\n\n\nWatsons \n(+1.47% invested)\n\n\n\n\n\n\nRaya Sale 4.4\n\n\n\n\nGet your make-up & beauty products at Watsons Raya Sale 4.4\n\n\nGet RM8 off\n (min spend RM60). Use \npromo code\n \nCCEAP23\n.\n\n\nThis Raya Sale 4.4 ends on 6 April 2023\n\n\n\n\n\u00a0\n\n\nZalora \n(+4.2% invested)\n\n\n\n\n\n\nZaloraya 2023\n\n\n\n\nExplore Raya collections from Zalora!\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nNeed more details?\n\n\n\n\nRead the FAQ on Raiz Rewards\u00a0\nhere\n.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nWant to use Raiz Rewards but don\u2019t have the Raiz App?\n\n\nDownload it for free in the App store or the Webapp \nhere.\n\n\n\u00a0\n\n\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-new-brands-on-board/", "title": "Raiz Rewards: New brands on board!", "body": "Raiz Rewards: New brands on board!\n\n\n\n\nKlik sini untuk Bahasa Melayu\n\n\n21/07/2023\n\n\n\u00a0\n\n\nRaiz Rewards: New brands on board!\n\n\n\u00a0\n\n\nWe\u2019re excited to let you know that we have onboarded 4 new brands for you!\n\n\n\n\nTripadvisor\n\n\nrealme\n\n\nConverse\n\n\nLogitech\n\n\n\n\n\n\nEarn cash rewards when you shop online now using Raiz! Your cashback will go into your Raiz account and will get invested automatically.\n\n\n\n\nJust go to \n\u201c\nRaiz Rewards\n\u201d\n in your app, search for your favourite brand, and click the \u201c\nShop Online Here\n\u201d button. We\u2019ll direct you to the brand\u2019s app/website. Shop like normal, and you will be on your way to get your cashback*. \nNo registration needed!\n\n\n\n\nSo, as you spend, you invest! It\u2019s as easy as 123.\n\n\n\u00a0\n\n\nTripadvisor (+up to 14% invested)\n\n\n\n\nTripadvisor makes planning easy no matter the trip type! This largest travel guidance platform helps hundreds of millions of people each month become better travellers as well as helping them to find deals on accommodations, book experiences, reserve tables at delicious restaurants and discover great places nearby.\n\n\n\u00a0\n\n\n\n\nrealme Official Store \u2013 Shopee (+up to 4.55% invested)\n\n\n\n\nrealme is a global technology brand that aspires to provide products with a comprehensive superior experience for the young and is committed to be a trendsetting technology brand. Discover exclusive deals and promotions from the realme official online store on Shopee!\n\n\n\u00a0\n\n\nConverse Official Store \u2013 Shopee (+up to 4.55% invested)\n\n\n\n\nConverse makes sneakers and clothes for individuals everywhere who live creatively, optimistically and rebelliously. Discover exclusive deals and promotions from Converse official online store on Shopee!\n\n\n\u00a0\n\n\nLogitech Official Store \u2013 Shopee (+up to 4.55% invested)\n\n\n\n\nLogitech is a brand of peripheral devices for personal computers, including keyboards, mouse, webcams, gamepads, headsets, speakers and more. Improve your productivity with 100% authentic products from the Logitech official online shop on Shopee!\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\n\n\n*Your Raiz Rewards will be credited into your Raiz account within 3 months of purchase unless otherwise specified. For more details, please check out the T&Cs within the Raiz Rewards section for each brand.\n\n\n\u00a0\n\n\nNeed more details?\n\n\n\n\n\n\nRead the FAQ on Raiz Rewards\u00a0\nhere\n.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nWant to use Raiz Rewards but don\u2019t have the Raiz App?\n\n\nDownload it for free in the App store or the Webapp \nhere.\n\n\n\u00a0\n\n\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-new-brands-on-the-block-earn-rewards-up-to-4-9/", "title": "Raiz Rewards: New Brands on the Block \u2013 Earn Rewards Up to 4.9%!", "body": "Raiz Rewards: New Brands on the Block \u2013 Earn Rewards Up to 4.9%!\n\n\n\n\nKlik sini untuk Bahasa Melayu\n\n\n27/01/2023\n\n\n\u00a0\n\n\nRaiz Rewards: New Brands on the Block \u2013 Earn Rewards Up to 4.9%!\n\n\n\u00a0\n\n\nWelcoming our 3 new brand partners on Raiz Rewards:\n Tiqets, Guess,\n and \nClub21!\n\n\nGet cash bonus (or cashback) while you shop using \n\u201c\nRaiz Rewards\n\u201d\n! Your cashback will get invested into your Raiz account automatically.\n\n\n\n\nJust go to \n\u201c\nRaiz Rewards\n\u201d\n in your app, search for your favourite brand, and click the \u201c\nShop Online Here\n\u201d button. We\u2019ll direct you to the brand\u2019s app or website. Shop like normal, and you will be on your way to get your cashback*.\n\n\nSo, as you shop, you invest!\n\n\n*Terms & Conditions apply.\n\n\n\n\n\u00a0\n\n\nTiqets\n\n\n\n\n(+4.9% invested)\n\n\nTiqets \nis an online booking platform for museums and attractions that connects travellers worldwide with more ways to experience culture.\n\n\nBook online now with\u00a0\nTiqets \nthrough Raiz Rewards and you\u2019ll get\n 4.90%\n cash bonus of your purchase amount invested back into your Raiz account.\n\n\n\u00a0\n\n\nGuess\n\n\n\n\n\n\n(+4.2% invested)\n\n\nGuess\n designs, markets, distributes, and licenses a lifestyle collection of contemporary apparel, denim, handbags, watches, eyewear, footwear, and other related consumer products.\n\n\nShop online now with\u00a0\nGuess\n through Raiz Rewards and you\u2019ll get\n 4.2%\n cash bonus of your purchase amount invested back into your Raiz account.\n\n\n\n\n\u00a0\n\n\nClub21\n\n\n\n\n\n\n(+4.2% invested)\n\n\nClub21\n is a leader in the luxury fashion market managing over 30 brands and operating more than 200 stores worldwide.\n\n\nShop online now with\u00a0\nClub21\n through Raiz Rewards and you\u2019ll get\n 4.2%\n cash bonus of your purchase amount invested back into your Raiz account.\n\n\n\u00a0\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nNeed more details?\n\n\n\n\nRead the FAQ on Raiz Rewards\u00a0\nhere\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nGet RM10 bonu\nWant to use Raiz Rewards but don\u2019t have the Raiz App?\n\n\nDownload it for free in the App store or the Webapp \nhere.\n\n\n\u00a0\n\n\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-panggilan-terakhir-promosi-cny/", "title": "Raiz Rewards: Panggilan terakhir promosi CNY!", "body": "Raiz Rewards: Panggilan terakhir promosi CNY!\n\n\n\n\n\n\n\n\n\n\n\n\nClick here for English\n\n\n20/01/2023\n\n\n\u00a0\n\n\nPanggilan terakhir untuk Huat Deals Lazada \u2013 dapatkan diskaun sehingga 50%! \n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nKami telah menyediakan senarai pendek beberapa promosi di LazMall. Dapatkan bonus tunai \nsehingga 9.1%\n apabila anda berbelanja melalui Raiz! Ganjaran tunai anda akan dilaburkan ke dalam akaun Raiz anda secara automatik.*\n\n\n\u00a0\n\n\nBagaimana?\n\n\n\n\nLog masuk ke aplikasi Raiz anda & pergi ke \n\u201c\nRaiz Rewards\n\u201d\n.\n\n\nKlik pada Lazada & tekan \n\u201c\nShop Online Here\n\u201d\n.\n\n\nPada halaman utama Lazada, tekan \nLazmall\n dan pilih \nFlagship Store\n jenama kegemaran anda.\n\n\nBeli-belah seperti biasa dan anda akan dalam perjalanan untuk menerima bonus tunai anda!\n\n\n\n\n\u00a0\n\n\n*Tertakluk pada terma & syarat.\n\n\n\n\n\n\n\u00a0\n\n\nLazMall: JELLY BUNNY FLAGSHIP STORE\n\n\n\n\n(+sehingga 9.1% akan dilaburkan)\n\n\n\n\nDapatkan \ndiskaun sehingga 60%\n apabila anda membeli-belah dengan \nJelly Bunny Flagship Store\n di LazMall.\n\n\nTempoh promosi: \nSekarang \u2013 25 Januari 2023\n\n\n\n\n\n\n\n\n\u00a0\n\n\nLazMall: SKECHERS FLAGSHIP STORE\n\n\n\n\n\n\n(+sehingga 9.1% akan dilaburkan)\n\n\n\n\nDapatkan \ndiskaun sehingga 50%\n apabila anda membeli-belah dengan \nSkechers Flagship Store\n di LazMall.\n\n\nTempoh promosi: \nSekarang \u2013 24 Januari 2023\n\n\n\n\n\u00a0\n\n\nLazMall: MUJI FLAGSHIP STORE\n\n\n\n\n(+sehingga 9.1% akan dilaburkan)\n\n\n\n\nDapatkan \ndiskaun sehingga 30%\n apabila anda membeli-belah dengan \nMuji Flagship Store\n di LazMall.\n\n\nTempoh promosi: \nSekarang \u2013 2 Februari 2023\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nIngin tahu lebih lanjut?\n\n\n\n\nBaca Soalan Lazim di \nsini\n.\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\u00a0\n\n\nIngin menggunakan Raiz Rewards tetapi tiada aplikasi Raiz?\n\n\nMuat turun dengan percuma di \u2018\nApp \nstore\u2019 atau \u2018\nWebapp\u2019 \nmenggunakan pautan di \nsini.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nMaklumat\u00a0\nPenting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\n\n\n\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-panggilan-terakhir-sebelum-raya/", "title": "Raiz Rewards: Panggilan terakhir sebelum Raya!", "body": "Raiz Rewards: Panggilan terakhir sebelum Raya!\n\n\n\n\n\n\n\n\n\n\n\n\nClick here for English\n\n\n14/04/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Panggilan terakhir sebelum Raya!\n\n\n\u00a0\n\n\nHanya tinggal seminggu sebelum Raya (dan harapnya tiada Raya terkejut tahun ni)! Sekarang adalah masa terbaik untuk kosongkan troli dan terus \ncheck-out\n. Lihat di bawah untuk senarai promosi raya yang \nbest-best, \ndan dapatkan juga bonus tunai (yang akan dilaburkan!) apabila anda membuat pembelian menggunakan \u201c\nRaiz\n\u201d. Bonus tunai anda akan dimasuk dan dilaburkan ke dalam akaun Raiz anda secara automatik.\n\n\n\n\nPergi ke \u201c\nRaiz Rewards\n\u201d di dalam aplikasi Raiz, pergi ke jenama kegemaran anda, dan klik \u201c\nShop Online Here\n\u201d. Kami akan membawa anda ke aplikasi/laman web rakan jenama kami. Berbelanjalah seperti biasa, dan anda akan dalam perjalanan untuk menerima bonus tunai. *\n\n\nJadi, sambil anda membeli, anda melabur!\n\n\n*Tertakluk pada terma & syarat.\n\n\n\n\n\n\n\u00a0\n\n\n\n\nShopee \n(+sehingga 6.37% akan dilaburkan)\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nRaya Sayang Hei!\n\n\n\n\nTawaran Raya RM10\n\n\nDapatkan \npenghantaran percuma\n dengan perbelanjaan minima RM5\n\n\nTekan & menang\n Perodua Alza\n\n\nPromosi berlangsung sehingga 24 April 2023\n\n\n\n\n\n\n\n\n\u00a0\n\n\nLazada \n(+sehingga 9.1% akan dilaburkan)\n\n\n\n\n\n\n\n\n\n\n\n\nMembeli untuk Memberi\n\n\n\n\nNikmati \nhingga 25% pulangan tuna\ni\n\n\nPenghantaran\n \npantas\n dan \npercuma\n\n\nDiskaun serentak \nsehingga 50%\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nZalora \n(+4.2% akan dilaburkan)\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n#ZALORAYA2023\n\n\n\n\nDapatkan \ndiskaun sehingga 80%\n dengan #ZALORAYA2023\n\n\nLebih 4,000 gaya di \nbawah RM99 \n\n\nTawaran Hari Raya harian\n\n\nJualan daripada pereka eksklusif\n\n\nPromosi berlangsung sehingga 22 April 2023\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nAdidas \n(+2.94% akan dilaburkan)\n\u00a0\n\n\n\n\nRaya Sale Adidas\n\n\n\n\nBeli 2 dan dapatkan \ndiskaun\n 40%\n dengan Raya Sale Adidas\n\n\n\n\n\u00a0\n\n\nPoplook \n(+1.96% akan dilaburkan)\n\u00a0\n\n\n\n\n#PoplookRaya2023\n\n\n\n\nDapatkan \ndiskaun sehingga 80%\n untuk Koleksi Raya Poplook\n\n\nPromosi berlangsung sehingga 23 April 2023\n\n\n\n\n\n\n\n\n\u00a0\n\n\nUniqlo \n(+1.96% akan dilaburkan)\n\n\n\n\n\n\nKoleksi Raya 2023 dari Uniqlo \n\n\n\n\nLihat \nKoleksi Raya 2023 \ndari Uniqlo\n\n\nDapatkan tips untuk menggayakan baju Raya anda\n\n\nLayari \nRaya Lookbook\n Uniqlo dan terus buat pembelian bagi \nlook\n\u00a0yang anda suka!\n\n\n\n\n\u00a0\n\n\nSephora \n(+sehingga 3.92% akan dilaburkan)\n\n\n\n\nHari Raya Beauty Essentials\n\n\n\n\nDapatkan \ndiskaun sehingga 50%\n\n\nGuna kod \nKINDBEAUTY \nuntuk mendapatkan satu set paket Sephora Raya dengan perbelanjaan minimum RM200\n\n\nGuna kod \nRAYABEAUTY\n untuk mendapatkan tudung Sephora x RR eksklusif dengan perbelanjaan minimum RM500.\n\n\n\n\n\u00a0\n\n\nWatsons \n(+1.47% akan dilaburkan)\n\n\n\n\nRahsia Gaya Raya!\n\n\n\n\nDapatkan diskaun \ntawaran istimewa sehingga 25%\n untuk ahli Watsons\n\n\nDapatkan \ndiskaun sehingga 50%\n untuk item terpilih\n\n\nPromosi berlangsung sehingga 8 Mei 2023\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nRoyalePharma \n(+3.43% akan dilaburkan)\n\n\n\n\n#RoyaleDeals Edisi Raya\n\n\n\n\nDapatkan\n diskaun sehingga 50%\n untuk produk terpilih\n\n\nPromosi berlangsung sehingga 30 April 2023\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nIngin tahu lebih lanjut?\n\n\n\n\nBaca Soalan Lazim di \nsini\n.\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\u00a0\n\n\nIngin menggunakan Raiz Rewards tetapi tiada aplikasi Raiz?\n\n\nMuat turun dengan percuma di \u2018\nApp \nstore\u2019 atau \u2018\nWebapp\u2019 \nmenggunakan pautan di \nsini.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nMaklumat\u00a0\nPenting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\n\n\n\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-payday-ramadan-prep-sale/", "title": "Raiz Rewards: Payday & Ramadan Prep Sale!", "body": "Raiz Rewards: Payday & Ramadan Prep Sale!\n\n\n\n\nKlik sini untuk Bahasa Melayu\n\n\n24/03/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Payday & Ramadan Prep Sale!\n\n\n\u00a0\n\n\nPayday & Ramadan Prep Sale are here!\n Check out the amazing promotions by our brand partners and get cash bonus (or cashback) when you shop using \n\u201c\nRaiz Rewards\n\u201d\n! Your cash bonus will get invested into your Raiz account automatically.\n\n\n\n\nJust go to \n\u201c\nRaiz Rewards\n\u201d\n in your app, search for your favourite brand, and click the \u201c\nShop Online Here\n\u201d button. We\u2019ll direct you to the brand\u2019s app or website. Shop like normal, and you will be on your way to get your cashback*.\n\n\nSo, as you shop, you invest!\n\n\n*Terms & Conditions apply.\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nLazada\n\n\n\n\n(+up to 9.1% invested)\n\n\nRamadan Sale\n\n\n\n\nGet \nup to 15% everyday cashback\n.\n\n\nGet big discount \nsavings of up to 90% off\n.\n\n\nGet\n \nitems below RM15\n under the \u2018Best Bargain Deals\u2019 section.\n\n\nFree shipping\n with no minimum spend.\n\n\nExclusive promo code only for Raizers \u2013 view it on your Raiz app!\n\n\n\n\n\u00a0\n\n\nShopee\n\n\n\n\n(+up to 6.37% invested)\n\n\nEarly Ramadan Sale\n\n\n\n\nFree shipping\n with a minimum spend of RM5.\n\n\nTap & win Perodua Alza with Shopee!\n\n\nAll purchases must be made through selected Shopee sellers only. To view the list of the selected sellers, \u00a0go to \nRaiz Rewards > Shopee\n.\n\n\n\n\n\u00a0\n\n\nCaring Pharmacy\n\n\n\n\n\n\n(+up to 2.45% invested)\n\n\nPayday Sale\n\n\n\n\nGet RM3 off\n with a minimum purchase of RM80.\n\n\nGet RM14 off\n with a minimum purchase of RM120.\n\n\nPromotion ends on 31 March 2023.\n\n\n\n\n\u00a0\n\n\nLotus\n\n\n\n\n(+2.1% invested)\n\n\nLotus\u2019s \nTawaran\n \nBerseri\n \n\n\n\n\nPay lesser for your groceries with \nLotus\u2019s \nTawaran\n \nBerseri\n \nthis Ramadan.\n\n\n\n\n\n\n\u00a0\n\n\nJD Sports\n\n\n\n\n\n\n(+up to 3.43% invested)\n\n\nExtra 25% off\n\n\n\n\nUse code \nALL25MY\n and \nup to\n \n25% off\n your purchases.\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nNeed more details?\n\n\n\n\nRead the FAQ on Raiz Rewards\u00a0\nhere\n.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nWant to use Raiz Rewards but don\u2019t have the Raiz App?\n\n\nDownload it for free in the App store or the Webapp \nhere.\n\n\n\u00a0\n\n\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-payday/", "title": "Raiz Rewards: Payday Sale!", "body": "Raiz Rewards: Payday Sale!\n\n\n\n\nKlik sini untuk Bahasa Melayu\n\n\n24/02/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Payday Sale!\n\n\n\u00a0\n\n\nIt\u2019s time for February PAYDAY sale!\u00a0 \nCheck out more amazing promotions below by our brand partners and get cash bonus (or cashback) when you shop using \n\u201c\nRaiz Rewards\n\u201d\n! Your cashback will get invested into your Raiz account automatically.\n\n\n\n\nJust go to \n\u201c\nRaiz Rewards\n\u201d\n in your app, search for your favourite brand, and click the \u201c\nShop Online Here\n\u201d button. We\u2019ll direct you to the brand\u2019s app or website. Shop like normal, and you will be on your way to get your cashback*.\n\n\nSo, as you shop, you invest!\n\n\n*Terms & Conditions apply.\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nLazada\n\n\n\u00a0\n\n\n\n\n(+up to 9.1% invested)\n\n\nSpecial Deals: Lazada\u2019s \n11\nth\n Birthday Sale!\n\n\n\n\nStackable voucher up to 50% off coming this 3 March 2023.\n\n\nAdd to cart now & check out on 3 \u2013 13 March 2023.\n\n\nFree shipping.\n\n\n\n\n\u00a0\n\n\nShopee\n\n\n\u00a0\n\n\n\n\n(+up to 6.37% invested)\n\n\nSpecial Deals: Shopee Pay Day Sale\n\n\n\n\nFree shipping\n with a minimum spend of RM10.\n\n\nRM25 deals.\n\n\nCollect & use Shopee \n10% rebate voucher\n. First come first served!\n\n\n\n\n\n\n\u00a0\n\n\nAirAsia Food\n\n\n\n\n\n\n(+up to 2.45% invested)\n\n\nSpecial Deals: RM1.20 Deals + Free Delivery\n\n\n\n\nUse promo code \nAAF12\n to get quick and easy meals for RM1.20 delivered to your doorstep. (capped at 12 redemption per user).\n\n\nUse promo code \nFREEDEL \nto get free delivery storewide (capped at RM5) with a minimum spend of RM20.\n\n\n\n\n\u00a0\n\n\n\n\nTrapo \n\n\n\n\n\n\n(+3.43% invested)\n\n\nSpecial Deals: \nPay Day Sales \n\n\n\n\nGet \n20% off \nfor the purchase of Boot Mat \u00e0 la carte.\n\n\nGet \n35% off\n for the purchase of Boot Mat when purchased together with Trapo Car Mat.\n\n\nOffer lasts until 27 Feb 2023.\n\n\n\n\n\u00a0\n\n\nFocus Point\n\n\n\n\n(+up to 3.92% invested)\n\n\nSpecial Deals: Online Branded Eyewear Sales\n\n\n\n\nGet up to 40% off\n for any purchase of branded eyeglasses + free Hoshi Lens.\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nNeed more details?\n\n\n\n\nRead the FAQ on Raiz Rewards\u00a0\nhere\n.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nWant to use Raiz Rewards but don\u2019t have the Raiz App?\n\n\nDownload it for free in the App store or the Webapp \nhere.\n\n\n\u00a0\n\n\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-percutian-cuti-sekolah/", "title": "Raiz Rewards: Percutian Cuti Sekolah! \u2708", "body": "Raiz Rewards: Percutian Cuti Sekolah! \u2708\n\n\n\n\n\n\n\n\n\n\n\n\nClick here for English\n\n\n19/05/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Percutian Cuti Sekolah!\n\n\n\u00a0\n\n\nCuti sekolah sudah hampir tiba! Ingin membawa keluarga anda ke sesuatu tempat yang istimewa? Jom lihat promosi menarik ini dari rakan jenama kami dan dapatkan bonus tunai apabila anda membuat tempahan dalam talian melalui \u201c\nRaiz\n\u201d. Bonus tunai anda akan dimasuk dan dilaburkan ke dalam akaun Raiz anda secara automatik.\n\n\n\n\nPergi ke \u201c\nRaiz Rewards\n\u201d di dalam aplikasi Raiz, pergi ke jenama kegemaran anda, dan klik \u201c\nShop Online Here\n\u201d. Kami akan membawa anda ke aplikasi/laman web rakan jenama kami. Berbelanjalah seperti biasa, dan anda akan dalam perjalanan untuk menerima bonus tunai. *\n\n\nJadi, sambil anda membeli, anda melabur!\n\n\n*Tertakluk pada terma & syarat.\n\n\n\n\n\n\n\u00a0\n\n\n\n\nMalaysia Airlines \n(+ 1.4% akan dilaburkan)\n\n\n\n\n\n\n\n\n\n\n\n\nJualan Pertengahan Tahun Malaysia Airlines\n\n\n\n\nDapatkan tiket \nbermula pada RM99\n bagi penerbangan sehala ke destinasi tempatan untuk Kelas Ekonomi dan Perniagaan\n\n\nDapatkan \npotongan sehingga 40%\n bagi penerbangan ke destinasi antarabangsa terpilih untuk Kelas Ekonomi dan Perniagaan\n\n\nDapatkan \nbonus tambahan Enrich Points sebanyak 50% \n\n\nTempoh tempahan: Sekarang hingga 28 Mei 2023\n\n\nTempoh perjalanan: Sekarang sehingga 30 November 2023\n\n\n\n\n\u00a0\n\n\n\n\n\n\nFirefly Airlines \n(+ 4.2% akan dilaburkan)\n\n\n\n\n\n\n\n\n\n\n\n\nJualan Pertengahan Tahun Firefly\n\n\n\n\nNikmati \npotongan sehingga 25%\n untuk ke Langkawi, Kuching, Pulau Pinang, Phuket dan destinasi tempatan dan antarabangsa terpilih yang lain\n\n\nTempoh tempahan: Sekarang hingga 28 Mei 2023\n\n\nTempoh perjalanan: Sekarang sehingga 30 November 2023\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nKKDay \n(+ 0.98% akan dilaburkan)\n\n\n\n\n\n\nMay-jor Deals, May-jor Steals\n\n\n\n\nTawaran \nBeli 1 Percuma 1\n untuk lawatan ke destinasi kegemaran anda\n\n\nDapatkan \npotongan sehingga 50%\n untuk destinasi terpilih di Jepun\n\n\nPromosi berlangsung sehingga 4 Jun 2023\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nExpedia\n\u00a0\n(+ sehingga 2.94% akan dilaburkan)\n\n\n\n\nKod Eksklusif Expedia!\n\n\n\n\nGunakan kod \nMY5TRAVEL\n dan dapatkan \ndiskaun 5%\n untuk tempahan hotel\n\n\n\n\n\u00a0\n\n\nBus Online Ticket \n(+ 1.47% akan dilaburkan)\n\n\n\n\nTawaran Eksklusif PWP\n\n\n\n\nTempah tiket bas dan \ndapatkan potongan harga bagi tiket ke destinasi terpilih\n seperti Genting Highlands, Legoland, Pulau Tioman dan banyak lagi dengan tawaran \nPembelian dengan Pembelian (PWP)\n.\n\n\nPergi ke laman web \nBusOnlineTicket.com\n untuk maklumat lanjut mengenai aktiviti yang ditawarkan!\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nIngin tahu lebih lanjut?\n\n\n\n\nBaca Soalan Lazim di \nsini\n.\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\u00a0\n\n\nIngin menggunakan Raiz Rewards tetapi tiada aplikasi Raiz?\n\n\nMuat turun dengan percuma di \u2018\nApp \nstore\u2019 atau \u2018\nWebapp\u2019 \nmenggunakan pautan di \nsini.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nMaklumat\u00a0\nPenting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\n\n\n\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-perhatian-4-jenama-baru-untuk-anda/", "title": "Raiz Rewards: Perhatian! 4 Jenama Baru untuk Anda!", "body": "Raiz Rewards: Perhatian! 4 Jenama Baru untuk Anda!\n\n\n\n\n\n\n\n\n\n\n\n\nClick here for English\n\n\n15/06/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Perhatian! 4 Jenama Baru untuk Anda!\n\n\n\u00a0\n\n\nLihat 4 rakan jenama BARU kami \u2013 \nSenheng Marketplace, Easybook, Cake Together & Udemy! \nTempah & beli dalam talian sekarang dengan rakan jenama kami dan dapatkan ganjaran tunai! Ganjaran tunai anda akan dimasuk dan dilaburkan ke dalam akaun Raiz anda secara automatik.\n\n\n\n\nPergi ke \u201c\nRaiz Rewards\n\u201d di dalam aplikasi Raiz, pergi ke jenama kegemaran anda, dan klik \u201c\nShop Online Here\n\u201d.Kami akan membawa anda ke aplikasi/laman web rakan jenama kami. Berbelanjalah seperti biasa, dan ganjaran tunai anda akan dalam perjalanan ke akaun Raiz anda. \nTiada pendaftaran diperlukan! \n\n\nJadi, sambil anda membeli-belah, anda melabur! Mudahkan nak melabur sekarang?\n\n\n\n\n\n\n\u00a0\n\n\n\n\nSenheng Marketplace \n(+sehingga 3.50% akan dilaburkan)\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\nDapatkan pelbagai peralatan rumah dan elektrik di \nSenheng Marketplace \nyang merupakan salah satu daripada kedai rantaian elektronik terbesar di Malaysia.\n\n\n\n\n\u00a0\n\n\n\n\n\n\nEasybook \n(+2.10% akan dilaburkan)\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\nEasybook \nadalah laman tempahan pengangkutan dalam talian terbesar di Asia Tenggara yang menyediakan tawaran terbaik untuk tiket bas.\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nCake Together \n(+RM3.50 akan dilaburkan)\u00a0\n\n\n\n\n\u00a0\n\n\n\n\n\n\nCake Together \nialah platform yang memudahkan pengguna untuk mencari kek terbaik di Malaysia! Daripada pilihan kek hari jadi kepada pilihan hadiah, Cake Together ada semua!\n\n\nPsssttt\u2026 Gunakan kod promo \n\ud83d\udc49\ud83c\udffb CTXIAFATHERSDAY10 \n\ud83d\udc48\ud83c\udffb untuk \ndiskaun 10% \nuntuk semua produk dari Koleksi Hari Bapa.Tanpa pembelian minimum, sah sehingga 18 Jun 2023.\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nUdemy \n(+3.50% akan dilaburkan)\n\n\n\n\nUdemy\n\n\n\n\nUdemy\u00a0\nmenyediakan pelbagai kursus & kelas pembelajaran dalam talian yang mempunyai 213,000 jenis kursus dengan 62 juta pengguna serata dunia.\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\n\n\n*Raiz Rewards anda akan dimasukkan ke dalam akaun Raiz anda dalam tempoh 3 bulan dari tarikh pembelian kecuali dinyatakan sebaliknya. Untuk maklumat lanjut, sila lihat Terma & Syarat di bahagian Raiz Rewards untuk setiap jenama.\n\n\nIngin tahu lebih lanjut?\n\n\n\n\n\n\nBaca Soalan Lazim di \nsini\n.\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\u00a0\n\n\nIngin menggunakan Raiz Rewards tetapi tiada aplikasi Raiz?\n\n\nMuat turun dengan percuma di \u2018\nApp \nstore\u2019 atau \u2018\nWebapp\u2019 \nmenggunakan pautan di \nsini.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nMaklumat\u00a0\nPenting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\n\n\n\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-planning-for-your-2023-travel/", "title": "Raiz Rewards: Planning for your 2023 travel?", "body": "Raiz Rewards: Planning for your 2023 travel?\n\n\n\n\nKlik sini untuk Bahasa Melayu\n\n\n17/02/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Planning for your 2023 travel?\n\n\n\u00a0\n\n\nPlan for your 2023 travels with our brand partners! Flight tickets, accommodations, experiences \u2013 we\u2019ve got all covered for you.\u00a0Check out our top travel partners below and their amazing deals (just in time for the school holidays!). The best part? Get cash bonus (or cashback) when you book online using \n\u201c\nRaiz Rewards\n\u201d\n! Your cashback will get invested into your Raiz account automatically.\n\n\n\n\nJust go to \n\u201c\nRaiz Rewards\n\u201d\n in your app, search for your favourite brand, and click the \u201c\nBook Online Here\n\u201d button. We\u2019ll direct you to the brand\u2019s app or website. Book like normal, and you will be on your way to get your cashback*.\n\n\nSo, as you book, you invest!\n\n\n\n\n\n\n*Terms & Conditions apply.\n\n\n\n\n\u00a0\n\n\nTrip.com\n\n\n\n\n(+up to 2.45% invested)\n\n\n\n\nChoose from over 1.2 million hotels in more than 200 countries and book flights to over 5,000 destinations worldwide with \nTrip.com\n!\n\n\n\n\n\u00a0\n\n\nAirpaz \n\n\n\n\n\n\n(+ 0.69% invested)\n\n\n\n\nAirpaz\n provides flexible payment in local currency, local languages, effortless manage booking feature, easy booking steps, best fare calendar, and 24/7 customer support.\n\n\nGet exclusive promotions for flights and hotels. \nHow?\n Just go to Raiz Rewards, choose Airpaz & tap at Book Online Here. On Airpaz\u2019s home page, click Promo and browse for their amazing deals.\n\n\n\n\n\n\n\u00a0\n\n\nAirAsia Flight\n\n\n\n\n\n\n(+3.43% invested)\n\n\nSpecial Deal: 5 million free seats!\n\n\n\n\nAirAsia launched its first free seats for the year with \n5 million FREE* seats\n up for grabs.\n\n\nBooking period:\u00a0\nNow \u2013 19 February 2023\n\n\nTravel period: \n1 March \u2013 10 December 2023\n\n\n*Terms & conditions apply.\n\n\n\n\n\u00a0\n\n\nKlook\n\n\n\n\n\n\n (+ up to 3.5% invested)\n\n\nSpecial Deals: School holiday is more fun with Klook!\n\n\n\n\nGet \nup to RM50 off\n for all family fun activities (with minimum spend of RM500)\n\n\nGet \nup to 50% off\n for popular Malaysia attractions!\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\nAgoda\n\n\n\n\n\n\n (+2.94% invested)\n\n\nSpecial Deals:\n\n\n\n\nGet \nup to 30% off\n for international hotel rates.\n\n\nView other deals and coupons for more savings. \nHow?\n Just go to Raiz Rewards, choose to Agoda & tap at Book Online Here. On Agoda\u2019s home page, click Coupons & Deals.\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nNeed more details?\n\n\n\n\nRead the FAQ on Raiz Rewards\u00a0\nhere\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nGet RM10 bonu\nWant to use Raiz Rewards but don\u2019t have the Raiz App?\n\n\nDownload it for free in the App store or the Webapp \nhere.\n\n\n\u00a0\n\n\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-promosi-ramadan-hari-gaji/", "title": "Raiz Rewards: Promosi Ramadan & Hari Gaji", "body": "Raiz Rewards: Promosi Ramadan & Hari Gaji\n\n\n\n\n\n\n\n\n\n\n\n\nClick here for English\n\n\n24/03/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Promosi Ramadan & Hari Gaji\n\n\n\u00a0\n\n\nPromosi Ramadan & Hari Gaji \ntelah bermula! Jom lihat promosi istimewa dari rakan jenama kami dan dapatkan bonus tunai (yang akan dilaburkan!) apabila anda membuat pembelian menggunakan \u201c\nRaiz Rewards\n\u201d. Bonus tunai anda akan dilaburkan ke dalam akaun Raiz anda secara automatik.\n\n\n\n\nPergi ke \u201c\nRaiz Rewards\n\u201d di dalam aplikasi Raiz, pergi ke jenama kegemaran anda, dan klik \u201c\nShop Online Here\n\u201d. Kami akan membawa anda ke aplikasi/laman web rakan jenama kami. Berbelanjalah seperti biasa, dan anda akan dalam perjalanan untuk menerima bonus tunai. *\n\n\nJadi, sambil anda membeli, anda melabur!\n\n\n*Tertakluk pada terma & syarat.\n\n\n\n\n\n\n\u00a0\n\n\n\n\nLazada\n\n\n\n\n\n\n\n\n\n\n\n\n(+sehingga 9.1% akan dilaburkan)\n\n\nJualan Ramadan\n\n\n\n\nDapatkan \npulangan tunai sehingga 15% \nsetiap hari.\n\n\nDapatkan \ndiskaun sehingga 90%.\n\n\nDapatkan barangan \ndi bawah RM15 \ndi bahagian \u2018Best Bargain Deals\u2019.\n\n\nPenghantaran percuma \ntanpa perbelanjaan minima.\n\n\nKod promo eksklusif hanya untuk Raizers \u2013 lihat di aplikasi Raiz anda!\n\n\n\n\n\n\n\n\n\u00a0\n\n\nShopee\n\n\n\n\n(+sehingga 6.37% akan dilaburkan)\n\n\nJualan Awal Ramadan\n\n\n\n\nPenghantaran percuma\n dengan perbelanjaan minima RM5.\n\n\nTekan & menang Perodua Alza\n apabila anda berbelanja dengan Shopee!\n\n\nSemua pembelian haruslah dibuat melalui \npenjual Shopee yang terpilih\n Untuk lihat senarai penjual terpilih, pergi ke \nRaiz Rewards > Shopee\n.\n\n\n\n\n\n\n\n\n\u00a0\n\n\nCaring Pharmacy\n\n\n\n\n\n\n(+sehingga 2.45% akan dilaburkan)\n\n\nJualan Hari Gaji Caring\n\n\n\n\nDapatkan \npotongan sebanyak RM3\n dengan pembelian minima RM80.\n\n\nDapatkan \npotongan sebanyak RM14\n dengan pembelian minima RM120.\n\n\nBerlangsung sehingga 31 Mac 2023.\n\n\n\n\n\u00a0\n\n\nLotus\u2019s\n\n\n\n\n(+2.1% akan dilaburkan)\n\n\nLotus\u2019s \nTawaran\n \nBerseri\n \n\n\n\n\nBerbelanja dengan jimat bersama \nTawaran\n \nBerseri\n dari Lotus\u2019s \npada bulan Ramadan ini.\n\n\n\n\n\u00a0\n\n\nJD sports \n\n\n\n\n(+ sehingga 3.43% akan dilaburkan)\n\n\n25% ekstra!\n\n\n\n\nGunakan kod promo \nALL25MY\n dan dapatkan \ndiskaun\n \n25%\n.\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nIngin tahu lebih lanjut?\n\n\n\n\nBaca Soalan Lazim di \nsini\n.\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\u00a0\n\n\nIngin menggunakan Raiz Rewards tetapi tiada aplikasi Raiz?\n\n\nMuat turun dengan percuma di \u2018\nApp \nstore\u2019 atau \u2018\nWebapp\u2019 \nmenggunakan pautan di \nsini.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nMaklumat\u00a0\nPenting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\n\n\n\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-raya-pre-5-5-sale/", "title": "Raiz Rewards: Raya + Pre-5.5 sale!", "body": "Raiz Rewards: Raya + Pre-5.5 sale!\n\n\n\n\nKlik sini untuk Bahasa Melayu\n\n\n28/04/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Raya + Pre-5.5 sale!\n\n\n\u00a0\n\n\nGot your \u2018\nDuit Raya\n\u2019? You may wanna check out these Raya promo & pre-5.5 sale! Add-to-cart, check out, \nand get cash bonus (or cashback) when you shop with our brand partners using\n \u201c\nRaiz\n\u201d\n!\n\nYour cashback will go into your Raiz account and get invested automatically.\n\n\n\n\nJust go to \n\u201c\nRaiz Rewards\n\u201d\n in your app, search for your favourite brand, and click the \u201c\nShop Online Here\n\u201d button. We\u2019ll direct you to the brand\u2019s app/website. Shop like normal, and you will be on your way to get your cashback*.\n\n\nSo, as you shop, you invest!\n\n\n*Terms & Conditions apply.\n\n\n\n\n\n\n\n\n\n\n\n\n5.5 Sale!\n\n\nShopee\n (+up to 6.37% invested)\n\n\n\n\n5.5 Coins Carnival\n\n\n\n\nDaily 50% \ncoins cashback\n\n\nCollect & spend coins \nanywhere!\n\n\nUse code\u00a0\nIA55PH\n & get \n16% coins cashback\n with a minimum spend of RM60 (capped at 960 coins)\n\n\n\n\n\u00a0\n\n\n\n\nLazada \n(+up to 9.1% invested)\n\n\n\n\nBalik Kampung Season\n\n\n\n\nUp to\n 40% off\n\n\nFast & free\n shipping\n\n\nSpecial vouchers\n from selected categories up for grabs!\n\n\n\n\n\u00a0\n\n\nWatsons \n(+1.47% invested)\n\n\n\n\n\n\n5.5 Sale\n\n\n\n\nUp to \n50% off\n\n\nBrands-exclusive rebate \nof up to RM604\n\n\n\n\n\n\n\u00a0\n\n\nZalora \n(+4.2% invested)\n\n\n\n\n\n\nZalora Luxury: Designer Week\n\n\n\n\nUp to 60% off\n\n\nPromotion lasts until 1 May 2023\n\n\n\n\n\n\n\n\n\u00a0\n\n\nFWD Takaful \n(+up to RM105 invested)\n\n\n\n\nFWD Takaful x Raiz\n\n\n\n\nGet 40% discount on the first month\u2019s contribution\n\n\nPromotion lasts until 31 December 2023\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nNeed more details?\n\n\n\n\nRead the FAQ on Raiz Rewards\u00a0\nhere\n.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nWant to use Raiz Rewards but don\u2019t have the Raiz App?\n\n\nDownload it for free in the App store or the Webapp \nhere.\n\n\n\u00a0\n\n\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-school-holi-yay-special/", "title": "Raiz Rewards: School Holi-yay Special!", "body": "Raiz Rewards: School Holi-yay Special!\n\n\n\n\nKlik sini untuk Bahasa Melayu\n\n\n18/08/2023\n\n\n\u00a0\n\n\nRaiz Rewards: School Holi-yay Special!\u00a0\n\n\n\u00a0\n\n\nGet discounted prices for your flights, rides, accommodations, and even activities to entertain the young ones when you book online with our travel brand partners! On top of that, get cash bonus (or cashback) when you shop using Raiz! Your cashback will go into your Raiz account and will get invested automatically.\n\n\n\n\nJust go to \n\u201c\nRaiz Rewards\n\u201d\n in your app, search for your favourite brand, and click the \u201c\nShop Online Here\n\u201d button. We\u2019ll direct you to the brand\u2019s app/website. Shop like normal, and you will be on your way to get your cashback*. \nNo registration needed!\n\n\n\n\n\n\nSo, as you travel, you invest! It\u2019s as easy as 123.\n\n\n\u00a0\n\n\n\n\nMalaysia Airlines (+up to 1% will be invested)\n\n\n\n\n\n\nDomestic flights\n from RM66\n\n\nInternational flights\n from RM266\n\n\nPromotion ends until 27 August 2023\n\n\n\n\n\u00a0\n\n\nFireflyAirlines (+up to 0.85% will be invested)\n\n\n\n\n\n\nGet \n31% off\n for 2 pax or more\n\n\nPromotion ends until 27 August 2023\n\n\n\n\n\u00a0\n\n\nBus Online Ticket (+1.05% will be invested)\n\n\n\n\n\n\n8% discount + 8% cashback\n for BOT members\n\n\n\n\n\u00a0\n\n\nKKday (+up to 1.75% will be invested)\n\n\n\n\n\n\nUp to 30% off\n for resort bookings in Thailand\n\n\nUp to 50%\n \noff\n for Thai experiences and activities\n\n\n\n\n\u00a0\n\n\nAgoda (+2.1% will be invested)\n\n\n\n\n\n\nSave up to 75% on hotels worldwide\n\n\n\n\n\u00a0\n\n\nTiqets (+3.5% will be invested)\n\n\n\n\n\n\n16% off\n for Aquaria tickets\n\n\n7% off\n for Langkawi SkyBridge Cable Car\n\n\nSkip the queue and purchase Zoo Negara entry tickets online\n\n\n\n\n\u00a0\n\n\nWonderfly (+1.72% will be invested)\n\n\n\n\n\n\n\n\n6% off\n for Sunway Lagoon theme parks\n\n\n30% off\n for Sunway Lost World of Tambun\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\nraiz rewards\n\n\n\n\n\n\n\n\n\n\n\n\n*Your Raiz Rewards will be credited into your Raiz account within 3 months of purchase unless otherwise specified. For more details, please check out the T&Cs within the Raiz Rewards section for each brand.\n\n\n\u00a0\n\n\nNeed more details?\n\n\n\n\n\n\nRead the FAQ on Raiz Rewards\u00a0\nhere\n.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nWant to use Raiz Rewards but don\u2019t have the Raiz App?\n\n\nDownload it for free in the App store or the Webapp \nhere.\n\n\n\u00a0\n\n\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-school-holiday-travels/", "title": "Raiz Rewards: School Holiday Travels! \u2708", "body": "Raiz Rewards: School Holiday Travels! \u2708\n\n\n\n\nKlik sini untuk Bahasa Melayu\n\n\n19/05/2023\n\n\n\u00a0\n\n\nRaiz Rewards: School Holiday Travels!\u00a0\n\n\n\u00a0\n\n\nThinking of travelling and spending some quality time with your family during the upcoming school holidays? \u00a0Check out these awesome deals by our brand partners. Get your cash bonus (or cashback) when you book online with our brand partners using\n \u201c\nRaiz\n\u201d\n!\n\nYour cashback will go into your Raiz account and get invested automatically.\n\n\n\n\nJust go to \n\u201c\nRaiz Rewards\n\u201d\n in your app, search for your favourite brand, and click the \u201c\nShop Online Here\n\u201d button. We\u2019ll direct you to the brand\u2019s app/website. Shop like normal, and you will be on your way to get your cashback*.\n\n\nSo, as you shop, you invest!\n\n\n*Terms & Conditions apply.\n\n\n\n\n\n\n\n\n\n\n\n\nMalaysia Airlines \n(+ 1.4% invested)\n\n\n\n\nMalaysia Airlines Mid-Year Sale\n\n\n\n\nEnjoy all-in-one-way \ndomestic flights\n \nstarting from RM99\n on both Economy and Business Class\n\n\nEnjoy \nup to 40% off\n flights to selected international locations\n on both Economy and Business Class\n\n\nEarn an extra 50% bonus Enrich Points\n\n\nBooking period: Now until 28 May 2023\n\n\nTravel period: Now until 30 November 2023\n\n\n\n\n\u00a0\n\n\n\n\nFirefly Airlines \n(+ 1.47% invested)\n\n\n\n\nFirefly Mid-Year Sale\n\n\n\n\nEnjoy \nup to 25% off\n to Langkawi, Kuching, Penang, Phuket and other selected domestic and international destinations\n\n\nBooking period: Now until 28 May 2023\n\n\nTravel period: Now until 30 November 2023\n\n\n\n\nKKday \n(+0.98% invested)\n\n\n\n\nMay-jor Deals, May-jor Steals\n\n\n\n\nBuy 1 Free 1\n deals for tours and experiences at your favourite destinations\n\n\nGet \nup to 50% off\n for selected destinations in Japan\n\n\nPromotion lasts until 4 June 2023\n\n\n\n\n\u00a0\n\n\nExpedia \n(+ up to 2.94% invested)\n\n\n\n\n\n\nExclusive Code!\n\n\n\n\nUse code \nMY5TRAVEL\n to enjoy \n5% off\n your hotel booking\n\n\n\n\n\n\n\u00a0\n\n\nBus Online Ticket \n(+ 1.47% invested)\n\n\n\u00a0\n\n\n\n\n\n\nExclusive PWP Deals\n\n\n\n\nPurchase bus tickets and \nexperience activities at a cheaper price\n in Genting Highlands, Legoland, Tioman Island and many more with \nPurchase with Purchase (PWP)\n\n\nVisit \nBusOnlineTicket.com\n for the full list of activities!\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nNeed more details?\n\n\n\n\nRead the FAQ on Raiz Rewards\u00a0\nhere\n.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nWant to use Raiz Rewards but don\u2019t have the Raiz App?\n\n\nDownload it for free in the App store or the Webapp \nhere.\n\n\n\u00a0\n\n\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-shop-online-with-110-brands-and-counting/", "title": "Raiz Rewards: SHOP ONLINE WITH 110 BRANDS (and counting!)", "body": "Raiz Rewards: SHOP ONLINE WITH 110 BRANDS (and counting!)\n\n\n\n\nKlik sini untuk Bahasa Melayu\n\n\n03/02/2023\n\n\n\u00a0\n\n\nRaiz Rewards: SHOP ONLINE WITH 110 BRANDS (and counting!)\n\n\n\u00a0\n\n\nGet cash bonus when you shop online with our \n110 brand partners\n via Raiz and get your cash bonus invested into your Raiz account automatically! *\n\n\n\n\nHow?\n\n\n\n\nLog in to your Raiz app & go to\u00a0\nRaiz Rewards\n.\n\n\nClick on your favourite brands & tap on the\n \nShop Online Her\ne \nbutton.\n\n\nShop as usual and you will be on your way to receive your cash bonus!\n\n\n\n\n*Terms & Conditions apply.\n\n\n\u00a0\n\n\nDiscover the best prices and offers from 110 brands across various categories and products now! These aren\u2019t all so open your Raiz app > Raiz Rewards to discover more brands!\n\n\n\n\n\u00a0\n\n\nMarketplace\n\n\n\n\nTravel\n\n\n\n\n\n\n\n\nHealth & Beauty\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nNeed more details?\n\n\n\n\nRead the FAQ on Raiz Rewards\u00a0\nhere\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nWant to use Raiz Rewards but don\u2019t have the Raiz App?\n\n\nDownload it for free in the App store or the Webapp \nhere.\n\n\n\u00a0\n\n\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-tahun-baru-pelan-internet-baru/", "title": "Raiz Rewards: Tahun baru, pelan internet baru?", "body": "Raiz Rewards: Tahun baru, pelan internet baru?\n\n\n\n\n\n\n\n\n\n\n\n\nClick here for English\n\n\n06/01/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Tahun baru, pelan internet baru?\n\n\n\u00a0\n\n\nKini terdapat 3 jenama baru di Raiz Rewards \u2013 hanya untuk anda\n: Maxis, Unifi,\n dan \nTime! \nDaftar dalam talian sekarang dan dapatkan ganjaran untuk langganan anda!\n\n\nDapatkan bonus tunai (atau \n\u201ccashback\u201d\n) apabila anda berbelanja atau melanggan perkhidmatan dengan menggunakan \u201c\nRaiz Rewards\n\u201d\u00a0 Bonus tunai anda akan dilaburkan ke dalam akaun Raiz anda secara automatik.\n\n\n\n\nPergi ke \u201c\nRaiz Rewards\n\u201d di dalam aplikasi Raiz, pergi ke jenama kegemaran anda, dan klik \u201c\nShop Online Here\n\u201d. Kami akan membawa anda ke aplikasi/laman web rakan jenama kami. Berbelanjalah seperti biasa, dan anda akan dalam perjalanan untuk menerima bonus tunai. *\n\n\nJadi, sambil anda membeli, anda melabur!\n\n\n*Tertakluk pada terma & syarat.\n\n\n\n\n\n\n\u00a0\n\n\n\n\nMaxis\n\n\n\n\n(+RM63.70 akan dilaburkan)\n\n\nNikmati internet yang stabil dan laju sehingga 800 mpbs + pemasangan WiFi percuma dengan \nMaxis Fibre\n. Layari internet sepanjang hari di rumah tanpa sebarang had kuota! Daftar hari ini dari RM89 sebulan.\n\n\nDaftar dalam talian sekarang dengan\n Maxis Fibre\n melalui Raiz Rewards dan dapatkan bonus tunai\u00a0\nRM63.70\n dilaburkan semula ke dalam akaun Raiz anda.\n\n\n\u00a0\n\n\nUnifi\n\n\n\n\n\n\n(+RM63.70 akan dilaburkan)\n\n\nInternet yang luar biasa dan hiburan yang luar biasa bersama \nunifi\n. Nikmati lebih banyak nilai dan faedah dalam setiap pelan untuk memenuhi keperluan anda.\n\n\nDaftar dalam talian sekarang dengan \nunifiHome Fiber Broadband\n melalui Raiz Rewards dan dapatkan bonus tunai\u00a0\nRM63.70\n\u00a0dilaburkan semula ke dalam akaun Raiz anda.\n\n\n\u00a0\n\n\nTime\n\n\n\n\n(+RM63.70 invested)\n\n\nDapatkan internet yang lebih pantas, isyarat WiFi yang kuat di seluruh rumah anda, dan data tanpa had dengan \nTime Fibre\n.\n\n\nDaftar dalam talian sekarang dengan\n Time Fibre\n melalui Raiz Rewards dan dapatkan bonus tunai\u00a0\nRM63.70\n dilaburkan semula ke dalam akaun Raiz anda.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\nIngin tahu lebih lanjut?\n\n\n\n\nBaca Soalan Lazim di \nsini\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\nIngin menggunakan Raiz Rewards tetapi tiada aplikasi Raiz?\n\n\nMuat turun dengan percuma di \u2018\nApp \nstore\u2019 atau \u2018\nWebapp\u2019 \nmenggunakan pautan di \nsini\n:\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nMaklumat\u00a0\nPenting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\n\n\n\n\n\n\n"}
{"url": "https://raiz.com.my/blog/raiz-rewards-wuuhuu-jenama-baru/", "title": "Raiz Rewards: Wuuhuu~ Jenama baru!", "body": "Raiz Rewards: Wuuhuu~ Jenama baru!\n\n\n\n\n\n\n\n\n\n\n\n\nClick here for English\n\n\n21/07/2023\n\n\n\u00a0\n\n\nRaiz Rewards: Wuuhuu~ Jenama baru!\n\n\n\u00a0\n\n\nWaaah, ada 4 jenama baru la!\n\n\nDapatkan bonus tunai apabila anda membuat pembelian dengan rakan jenama kami melalui Raiz! Bonus tunai anda akan dimasuk dan dilaburkan ke dalam akaun Raiz anda secara automatik.\n\n\n\n\nPergi ke Raiz Rewards di dalam aplikasi Raiz, cari jenama kegemaran anda, dan klik \u201cShop Online Here\u201d. Kami akan membawa anda ke aplikasi/laman web rakan jenama kami. Berbelanjalah seperti biasa, dan anda akan dalam perjalanan untuk menerima bonus tunai*. Tiada pendaftaran diperlukan!\n\nJadi, sambil anda membeli, anda melabur! Mudah kan nak melabur sekarang? \ud83d\ude09\n\n\n\u00a0\n\n\n\n\nTripadvisor (+sehingga 14% akan dilaburkan)\n\n\n\n\nTripadvisor memudahkan perancangan tidak kira jenis perjalanan! Platform ini membantu beratus-ratus juta orang setiap bulan menjadi pelancong yang lebih bijak serta membantu mereka mencari tawaran penginapan, menempah pengalaman dan meja di restoran yang lazat serta menemui tempat-tempat menarik berdekatan.\n\n\n\u00a0\n\n\n\n\nrealme Official Store \u2013 Shopee (+sehingga 4.55% akan dilaburkan)\n\n\n\n\nrealme adalah jenama teknologi global yang beraspirasi untuk menyediakan produk yang memberikan pengalaman unggul dan komprehensif untuk golongan muda dan berkomited untuk menjadi \u2018trendsetter\u2019 bagi dunia teknologi. Dapatkan tawaran dan promosi eksklusif dari kedai rasmi realme di Shopee!\n\n\n\u00a0\n\n\nConverse Official Store \u2013 Shopee (+sehingga 4.55% akan dilaburkan)\n\n\n\n\nConverse menghasilkan kasut dan pakaian untuk individu di seluruh dunia yang hidup secara kreatif dan optimistik. Dapatkan tawaran dan promosi eksklusif dari kedai rasmi Converse di Shopee!\n\n\n\u00a0\n\n\nLogitech Official Store \u2013 Shopee (+sehingga 4.55% akan dilaburkan)\n\n\n\n\nLogitech adalah jenama peranti persisian untuk komputer peribadi, termasuk papan kekunci, tetikus, kamera web, pad permainan, fon kepala, pembesar suara dan banyak lagi. Tingkatkan produktiviti anda dengan 100% produk asli dari kedai rasmi Logitech di Shopee!\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nraiz rewards\n\n\n\n\n\n\n\n\n\n\n\n\n*Raiz Rewards anda akan dimasukkan ke dalam akaun Raiz anda dalam tempoh 3 bulan dari tarikh pembelian kecuali dinyatakan sebaliknya. Untuk maklumat lanjut, sila lihat Terma & Syarat di bahagian Raiz Rewards untuk setiap jenama.\n\n\nIngin tahu lebih lanjut?\n\n\n\n\n\n\nBaca Soalan Lazim di \nsini\n.\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\u00a0\n\n\nIngin menggunakan Raiz Rewards tetapi tiada aplikasi Raiz?\n\n\nMuat turun dengan percuma di \u2018\nApp \nstore\u2019 atau \u2018\nWebapp\u2019 \nmenggunakan pautan di \nsini.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\nMaklumat\u00a0\nPenting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\n\n\n\n\n\n\n"}
{"url": "https://raiz.com.my/blog/rancangwangpersaraananda/", "title": "Rancang\u00a0Wang\u00a0Persaraan\u00a0Anda!", "body": "Rancang\u00a0Wang\u00a0Persaraan\u00a0Anda!\n\n\nClick here for English\n\n\n\n\n\u00a0\n\n\nAkan tiba satu masa dimana kita akan bersara dan akan bergantung kepada wang tabungan yang ada.\n\n\nTahniah jika anda pesara kerajaan, anda menerima pencen bulanan. Untuk pekerja sendiri atau swasta, kita akan bergantung sepenuhnya kepada wang tabungan kita di KWSP atau tabungan sendiri.\n\n\n\n\n\u00a0\n\n\n\n\nBilakah anda akan bersara?\n\u00a0\n\n\n\n\nAntara\u00a0aspek\u00a0yang\u00a0anda\u00a0perlu\u00a0tahu\u00a0ialah\u00a0jangka\u00a0masa\u00a0pelaburan\u00a0(\ninvestment horizon\n) anda. Jika anda bermula pada umur 25 tahun dan nakkan hasil pelaburan pada umur 65 tahun,\u00a0jangka\u00a0masa\u00a0pelaburan\u00a0anda\u00a0ialah\u00a040\u00a0tahun.\n\u00a0\n\n\nMula lagi awal, lagi bagus kerana anda akan dapat memanfaatkan kuasa kompaun (\ncompounding effect\n). Graf di bawah menunjukkan unjuran hasil pelaburan sebanyak RM125 sebulan pada keuntungan 5% setahun \u2013 jauh lebih banyak jika anda bermula lebih awal!\n\u00a0\n\n\n \n\n\n\u00a0\n\n\n\n\nBerapa wang yang anda akan berbelanja nanti?\n\u00a0\n\n\n\n\nGaya hidup dan keperluan semasa bersara bakal berubah. Apabila bersara, ada perkara yang anda tidak perlu lagi berbelanja seperti pengangkutan ke tempat kerja (minyak, tol, dll.), tetapi anda mungkin suka menghabiskan masa dengan melancong yang akan menggunakan banyak wang. Harus juga diingat, anda mungkin perlu melunaskan hutang-hutang tertunggak seperti pinjaman rumah dan kereta.\n\u00a0\n\n\nJadi,\u00a0lihat\u00a0semula\u00a0simpanan\u00a0anda.\u00a0Cukup\u00a0atau\u00a0tidak?\u00a0Tepuk\u00a0dada,\u00a0tanya\u00a0selera.\n\u00a0\n\n\nPerlu\u00a0ingat\u00a0juga\u00a0faktor\u00a0inflasi\u00a0yang\u00a0boleh\u00a0menyebabkan\u00a0harga\u00a0barang\u00a0naik pada 20-30\u00a0tahun\u00a0akan\u00a0datang.\n\n\n\u00a0\n\n\n\n\nAutomatikkan simpanan persaraan anda.\n\n\n\n\nKita manusia biasa, kekadang terlupa. Lagi-lagi untuk menabung perlukan disiplin secara konsisten. Untuk memudahkan, anda boleh automatikkan deposit simpanan ke dalam tabung persaraan anda.\n\u00a0\n\n\nJika anda sudah mencarum KWSP, tahniah untuk anda. Jika anda mahu lebih lagi tabungan persaraan secara automatik, anda boleh set di dalam aplikasi Raiz.\n\n\n\n\nTekan\n\u00a0\ndi\u00a0sini\n\u00a0\nuntuk\u00a0buka\u00a0fungsi\u00a0Auto-Labur.\n\u00a0\n\n\nSet\u00a0nama\u00a0(contoh:\u00a0Persaraan) dan target\u00a0simpanan.\n\u00a0\n\n\nSet\u00a0jumlah\u00a0dan\u00a0kekerapan\u00a0pelaburan.\n\u00a0\n\n\n\n\nHidup akan lebih teratur dan lebih tenang jika kita ada tabung persaraan untuk kita mencapai sasaran.\n\n\nKita juga tidak perlu bergantung pada anak-anak atau saudara mara nanti. Ingat, anak-anak bukan tabung persaraan kita!\n\u00a0\n\n\nJom\u00a0bina\u00a0tabung\u00a0anda!\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/ringgit-yang-lemah-ada-kekuatannya-minggu-berakhir-18-10-2022/", "title": "Ringgit yang lemah ada kekuatannya (minggu berakhir 18/10/2022)", "body": "Ringgit yang lemah ada kekuatannya (minggu berakhir 18/10/2022)\n\n\nClick here for English\n\n\nKami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:\n\n\n\n\n\n\nRinggit meneruskan aliran menurun berbanding dolar AS hari ini, menghampiri paras terendah sepanjang masa iaitu 4.725 (1 USD = RM4.725) yang dicatatkan pada 7 Jan 1998 berikutan dolar AS yang mengukuh.\n\n\n\nApabila Ringgit jatuh, ia mempunyai kesan yang berbeza kepada sektor yang berbeza. Ringgit yang lemah berbanding mata wang negara perdagangan kita biasanya akan menyebabkan \nimport yang lebih mahal\n untuk rakyat Malaysia, dan \neksport yang lebih murah\n ke negara-negara asing.\n\n\nSektor sarung tangan dan perladangan dilihat sebagai pemenang apabila mata wang tempatan menyusut berikutan permintaan dari luar negara dijangka meningkat.\n\n\n\n\n\n\n\n\n\n\nSunview Group Bhd membuat kemunculan di Bursa Malaysia semalam pada 59.5 sen, premium 105.1% daripada harga tawaran awam permulaan (IPO) sebanyak 29 sen.\n\n\n\nPenyenaraian penyedia perkhidmatan tenaga bersih itu berjaya mengumpul RM34.22 juta menerusi terbitan 118 juta saham baharu (118,000,000 saham x 29 sen = RM34.22 juta).\n\n\n\n\n\n\n\n\n\n\nSuruhanjaya Sekuriti Malaysia (SC) merancang untuk membenarkan pasaran dana borong mendapat pendedahan kepada aset alternatif, seperti aset digital.\n\n\n\nDana borong adalah skim unit amanah yang biasanya dibeli oleh pelabur sofistikated, contohnya individu dan syarikat bernilai tinggi.\n\n\n\n\n\n\n\n\n\n\nRaiz membantu anda menyimpan & melabur \u2013 berjaya menyimpan 5% daripada gaji anda adalah lebih baik daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\n\n\u00a0\n\n\nAnda tahu?\n\n\n47% rakyat Malaysia sukar menyediakan RM1,000 sebagai dana kecemasan!\n\n\nSumber: Tinjauan Kestabilan Kewangan \u2013 Separuh Pertama Tahun 2022, Bank Negara\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\u00a0\n\n\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/roller-coaster-pelaburan/", "title": "\u2018Roller Coaster\u2019 Pelaburan", "body": "\u2018Roller Coaster\u2019 Pelaburan\n\n\nClick here for English\n\n\n\u00a0\n\n\nBagi kebanyakan orang, \npelaburan selalunya bercampur-baur dengan emosi\n. Apabila pasaran naik, perasaan teruja akan datang. Apabila pasaran turun, mudah untuk berasa kecewa.\n\n\n\n\nTiada manfaat untuk beremosi semasa melabur. Sekiranya pelaburan menurun, itu tidak semestinya bermakna berita buruk. Malah, ianya memberi \npeluang untuk membeli lebih banyak aset dengan harga yang lebih rendah\n.\n\n\nIni seiring dengan strategi klasik pelaburan \n\u2018beli rendah, jual tinggi\u2019\n.\n\n\nStrategi ini mungkin tidak akan berjaya sekiranya anda melabur berlandaskan emosi. Oleh itu, sangat penting untuk mengawal emosi semasa melabur. Apabila pasaran merudum \u2013 dan ianya memang akan berlaku \u2013 ini mungkin masa terbaik untuk mempertimbangkan membeli tambahan aset daripada menjualnya secara panik.\n\n\nSekiranya satu-satunya tindak-balas anda terhadap kejatuhan pasaran adalah \u2018\njual, jual, jual\u2019\n, ada baiknya anda tidak menyertai pasaran saham.\n\n\nDalam jangka masa panjang, pasaran akan meningkat pulih semula (ya, ianya akan naik kerana ianya sebuah \u2018\nroller-coaster\u2019\n!). Bagaimanapun, risikonya adalah masa yang lama untuk pulih, dan anda mungkin terpaksa menjualnya sebelum ia sempat pulih.\n\n\nAplikasi Raiz membolehkan anda melabur secara automatik dan berkala. Ia sangat berguna untuk memastikan anda melabur tanpa mengikut perasaan, dan pada yang yang sama membolehkan anda melabur menggunakan \nPurata Kos Ringgit\n.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0Penting\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/round-up-account-funding-account-what-is-the-difference/", "title": "Round-up Account & Funding Account: What are the Differences?", "body": "Round-up Account & Funding Account: What are the Differences?\n\n\n\u00a0\n\n\nKlik sini untuk Bahasa Melayu\n\n\n17/04/2023\n\n\n\u00a0\n\n\nRound-up Account & Funding Account: \n\n\nWhat are the Differences?\n\n\n\u00a0\n\n\nEver got confused between the Round-up Account & Funding Account in your Raiz app? This will help!\n\n\n\n\n\u00a0\n\n\nRound-up Account\n\n\nThis is where your purchases are tracked for round-ups. Every time you make purchases using your debit and credit cards, Raiz will round-up that purchases and invest the spare change automatically.\n\n\nNow, you can link;\n\n\n\n\nMaybank debit card\n\n\nAny VISA debit and credit cards\n\n\n\n\n\u00a0\n\n\nFunding Account\n\n\nThis is where your money to invest comes from. Whenever you make an investment from the Raiz app, your debit card linked to your Funding Account will be charged a corresponding amount.\n\n\nYou can link;\n\n\n\n\nAny debit cards issued in Malaysia\n\n\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\n\nDownload it for free from Apple App Store and Google Play Store now!\n\n\n\u00a0\n\n\n.\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/russian-oil-price-cap-and-three-things-you-need-to-know-this-week-weekly-ended-06-12-2022/", "title": "Russian oil price cap \u2013 and THREE things you need to know this week (weekly ended 06/12/2022).", "body": "Russian oil price cap \u2013 and THREE things you need to know this week (weekly ended 06/12/2022).\n\n\nKlik sini untuk Bahasa Melayu\n\n\nSharing some Investing and Economic insights:\n\n\n\n\nTHREE things you need to know this week;\n\n\n\n\nRinggit closed higher\n against the US dollar and other major currencies last week.\n\n\nCelcom and Digi merger is finally completed, making them the largest telco in Malaysia. \nKWSP and PNB are among the biggest investors in this new company called Celcom Digi. \n\n\nLast week, the G7 nations, EU and Australia agreed to set a maximum limit on the price of Russian oil at US$60 per barrel. If it is more, they will not let Russia ships its oil using its tankers, and they will stop companies to insure and finance ships carrying Russian oil. This is to reduce Russia\u2019s ability to continue financing the war in Ukraine. Russia \u2013 which is the world\u2019s second biggest producer of crude oil \u2013 has threatened to stop exporting oil to countries adopting the measures. This \ncould push the price of oil higher\n.\n\n\n\n\nRaiz is about helping you save & invest more \u2013 being\n able to save 5% of your salary is better\n than earning 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).\n\n\n\u00a0\n\n\nDo you know?\n\n\nIn 3Q22, the EPF\u2019s overseas investments made up 36% of its total investment assets.\n\n\nRaiz\u2019s \nCustom Portfolio\n allows you to invest in shares globally.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/saham-top-glove-jatuh-di-paras-rm3-buat-kali-pertama-sejak-mei-2020/", "title": "Saham Top Glove Jatuh di Paras RM3 Buat Kali Pertama sejak Mei 2020 (minggu berakhir 21/09/2021)", "body": "Saham Top Glove Jatuh di Paras RM3 Buat Kali Pertama sejak Mei 2020 (minggu berakhir 21/09/2021)\n\n\n\u00a0\n\n\nBerikut adalah beberapa maklumat berkenaan Pelaburan dan Ekonomi:\n\n\n\n\n\n\nSaham Top Glove jatuh di paras RM3 buat kali pertama sejak Mei 2020 \u2013 The Edge.\n\n\n\nIni adalah berdasarkan jangkaan bahawa harga purata jualan sarung tangan akan turun lagi, dipengaruhi oleh faktor-faktor seperti permintaan yang kembali normal akibat peningkatan pelaksanaan vaksinasi di seluruh dunia dan juga persaingan yang semakin meningkat dari China.\n\n\nTop Glove berkata, keuntungan bersihnya turun 70.14% kepada RM607.95 juta bagi suku ke-4 tahun kewangan 2021 (4QFY21), berbanding RM2.04bil daripada suku sebelumnya.\n\n\nPembuat sarung tangan terbesar di dunia itu mempunyai aset tunai bersih sebanyak RM2.05bil setakat 31 Ogos 2021.\n\n\n\n\n\n\n\n\n\n\nBintang Hong Kong Nicholas Tse memperolehi keuntungan RM30mil dalam masa setahun melalui pelaburan saham.\n\n\n\nNic, yang merupakan duta jenama sukan China XTEP, membayar HK$12.4 juta (RM6.6 juta) untuk membeli 5 juta saham syarikat itu pada Julai 2020.\n\n\nHarga saham XTEP melonjak sejak itu, dilaporkan meningkat lebih 550 peratus. Pelaburan Nic menjana anggaran keuntungan RM30 juta yang beliau boleh bawa pulang jika beliau menjual kesemua sahamnya sekarang.\n\n\nUsaha keusahawanan beliau yang lain termasuk dalam industri makanan melalui restoran dan jenama makanan sendiri, Chef Nic.\n\n\nNic mempunyai nilai aset bersih lebih daripada NT$4bil (RM589 juta) menurut laporan sebuah majalah Taiwan tahun lalu.\n\n\n\n\n\n\n\n\n\n\nLengkuk jangkitan Covid-19 di Malaysia berkurangan \u2013 The Edge.\n\n\n\nKes baru Covid-19 di Malaysia menurun kepada 14,345 (Isnin) daripada 14,954 (Ahad).\n\n\nBekalan vaksin untuk dos penggalak dan Program Imunisasi Covid-19 Kebangsaan (PICK) untuk remaja adalah mencukupi.\n\n\nKerajaan sedang membincangkan kemungkinan membenarkan pelancongan antara negeri.\n\n\n\n\n\n\n\n\n\n\nFBM KLCI jatuh 20.6 mata. Lebih 950 saham dalam keadaan merah \u2013 The Star.\n\n\n\nFBM KLCI berakhir semalam dalam keadaan merah, bertentangan dengan pasaran serantau yang menaik.\n\n\nPasaran mungkin melalui lebihan jualan dan Bursa Malaysia mungkin menyaksikan aktiviti pemburuan saham murah.\n\n\n\n\n\n\n\n\n\u00a0\n\n\nAdakah anda tahu?..\n\n\nMalaysia mengeksport US$9.65bil Peralatan Semikonduktor, menjadikannya pengeksport ke-2 terbesar di dunia, di depan Jepun di tempat ke-3.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/satu-perkara-yang-anda-perlu-tahu-minggu-ini-untuk-tahun-depan-minggu-berakhir-20-12-2022/", "title": "SATU perkara yang anda perlu tahu minggu ini \u2013 untuk tahun depan (minggu berakhir 20/12/2022).", "body": "SATU perkara yang anda perlu tahu minggu ini \u2013 untuk tahun depan (minggu berakhir 20/12/2022).\n\n\nClick here for English\n\n\nKami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:\n\n\n\n\nSATU perkara yang anda perlu tahu minggu ini \u2013 untuk tahun depan.\n\n\n\n\nSatu tahun yang agak huru-hara akan berakhir. \nAdakah 2023 akan menjadi satu lagi tahun \nketidakstabilan\n geopolitik yang bakal memberi kesan kepada pasaran? Atau adakah tahun depan akan \nmembawa sedikit kestabilan\n?\n\n\n\n\n\u00a0\n\n\nTiga isu utama yang bakal memainkan peranan utama \u2013 inflasi & bank pusat, Rusia vs Ukraine, dan kesan berterusan COVID \u2013 terutamanya di China.\n\n\n\n\nInflasi tinggi\n: Kadar faedah telah meningkat dengan ketara sepanjang tahun ini \u2013 kerana tindak balas bank pusat terhadap inflasi yang tinggi. Kadar pinjaman adalah lebih tinggi berbanding setahun yang lalu. Kesan kenaikan kadar faedah ini dapat dilihat pada tingkah laku pengguna, pelan pelaburan syarikat dan harga aset.\n\n\nRusia vs Ukraine\n: Perang ini juga kekal sebagai jalan cerita utama bagi ekonomi global. Bekalan gas asli Rusia yang terhad akan mewujudkan krisis tenaga di Eropah. Krisis ini boleh menyebabkan beberapa ekonomi Eropah mengalami kemelesetan, dan itu akan memberi implikasi besar bukan sahaja kepada ekonomi tersebut, tetapi juga untuk rakan dagangan mereka.\n\n\nCOVID dan China\n: Covid masih lagi relevan \u2013 dalam konteks China. Jika China berjaya membuka semula ekonominya, ia bakal mengurangkan gangguan rantaian bekalan global dan berpotensi mengatasi kesan inflasi tetapi juga boleh menaikkan harga komoditi dan tenaga. China, yang ekonominya bernilai AS$17 trillion, akan memberi tumpuan untuk menstabilkan ekonominya pada 2023.\n\n\n\n\n\u00a0\n\n\nRaiz membantu anda menyimpan & melabur \u2013 \nberjaya menyimpan 5% daripada gaji anda adalah lebih baik\n daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\u00a0\n\n\nAnda tahu?\n\n\nEkonomi Terbesar\n\n\n5 negara ekonomi terbesar dunia adalah \u2013 AS, China, Jepun, Jerman dan UK.\n\n\nSumber: World Bank\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/saving-in-bank-account-vs-money-market-fund/", "title": "Saving in Bank Account vs Money Market fund", "body": "Saving in Bank Account vs Money Market fund\nKlik sini untuk Bahasa Melayu\n\n\nPutting your cash in a bank account and keeping it there without touching it \u2013 is this the best thing to do with your savings money? Do you know that when you save your money in a bank account, \nyou practically gain next to nothing\n?\n\n\n\n\nSee below \u2013 a comparison between when you put cash in a \nbank account\n vs in a \nMoney Market fund\n \u2013 based on actual historical data.\n\n\n.\n\n\nPutting your cash in a Money Market fund gives you a better profit rate compared to bank account. Because it is almost as good as cash, it also has a very low risk. You worked hard for money, now let the money works for you!\n\n\nKeep in mind that past performance is not a good indicator of future performance.\n\n\nTo include this Money Market fund into your Custom Portfolio; open your Raiz app > \nHome\n > \nInvest\n > \nPortfolio\n > Custom Portfolio icon (on the most right) > \nEdit Portfolio\n.\n\n\nLearn how to have more control of your investment with Custom Portfolio \nhere\n or by watching the video \nhere\n.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/set-daily-savings-now-during-this-puasa-month-cuba-try/", "title": "Set Daily Savings Now during this Puasa Month \u2013 Cuba Try!", "body": "Set Daily Savings Now during this Puasa Month \u2013 Cuba Try!\n\n\n15-04-2022\n\n\nTh\nis\n\u00a0month of Ramadhan comes with many blessings. Not only we can\u00a0\nfocus on\u00a0\nperform\ning\n\u00a0our religious duty\n, but we also can save a lot of money!\n\u00a0\n\n\n\n\nLet\u2019s\n\u00a0t\nhink\u00a0\nabout\n\u00a0our spending for breakfast and lunch for a normal day. If we spend RM\n10\n\u00a0on both occasions, the total is RM\n2\n0 per day. For\u00a0\n30 days of a\n\u00a0month, we could save RM\n6\n00!\n\u00a0\n\n\nThat is enough money to celebrate Hari Raya!\n\u00a0\n\n\nBut you know, easier\u00a0\nsaid\u00a0\nthan done. Especially we tend to overspend for\u00a0\nberbuka\n, right\n?\n\u00a0\nMurtabak\n,\u00a0\nayam\n\u00a0\npercik\n, air\u00a0\njagung\n\u2026 Not so easy to avoid buying these yummy food.\n..\n\n\nSomething is needed to help us be more disciplined.\n\u00a0\n\n\nCuba\u00a0\ntry\n\u00a0\n\u2013 s\net\u00a0\nminimum RM5 daily\n\u00a0savings for this month!\u00a0\nClick the button below to start saving for your Hari Raya:\n\n\n\u00a0\n\n\nrecurring investment\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\np/s\u00a0\nY\nou can easily automate the savings using the recurring investments feature. Simply choose your investment amount\n\u00a0and\n\u00a0select\u00a0\nthe\n\u00a0frequency (daily, weekly\n\u00a0\nor monthly)\n.\n\u00a0\n\n\n\n\nWith Raiz, your Hari Raya will be more financially prepared!\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\n\nDownload it for free in the App store:\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/share-stories-invite-friends-get-extra-money/", "title": "Share Stories, Invite Family & Friends, Get RM10 bonus!", "body": "Share Stories, Invite Family & Friends, Get RM10 bonus!\n\n\nAs a Raiz investor, you have already begun your investment journey. You have experienced how putting aside the spare change from your everyday purchases and setting up recurring investments can bring you a step closer to better financials. \n\n\nWell, now there is a way you can share this experience with your family & friends \u2013 and get rewarded!\n\n\n\n\nOver the years, many happy investors have joined Raiz through word of mouth. When you join Raiz, you get your referral link, which you can use to invite other people to sign up.\n \n\n\nFor each friend that you refer who starts investing with Raiz, Raiz will give you a referral bonus of RM10.\u00a0\nPlus, your friend also gets a RM10 bonus, and as you know, every little bit helps especially when first getting started. So, by referring your friends to Raiz, everybody wins!\u202f\n\n\nIf you think you have a friend or family member who might like to begin their own investment journey with Raiz, then we have made the process even easier\n.\n\u00a0\nY\nou can now refer\u00a0\nthem\n\u00a0via your favourite social media channel\n,\u00a0\nemail\n,\n\u00a0or\u00a0\njust\n\u00a0from within the app!\n\u00a0\n\n\nThere\u2019s no limit to the number of friends you can refer to Raiz, meaning there is no limit on the number of referral bonuses you can earn!\n\u00a0\n\n\n\u00a0\n\n\nHere\u2019s how simple it is\n:\n\u00a0\n\n\nStep 1\n: \nMake sure you have the latest version of the Raiz app.\n\n\nTap on the menu icon in the top left of the Welcome screen and select \u2018Invite your friends\u2019 to start referring!\n\u00a0\n\n\n\n\nStep 2\n: \nShare your unique invite link, or QR code with your contacts, or post your referral link to your favourite social media channels!\n\n\n\n\nIf you access your Raiz account via web browser instead of the app, you will find the same options available on the left-hand side of the screen.\n\n\n\n\nWhat happens after I refer my friends?\n\u00a0\n\n\nYour friends will receive your unique referral link which will look something like this:\u202f\nhttps://links.raiz.com.my/A2BC\n\n\nYour friends should use that unique referral link to create their Raiz account.\n\n\n\u00a0\n\u00a0\n\n\nWhen will my friend and I receive our referral bonus?\n\u00a0\n\n\nT\nhe\u00a0\nreferral\u00a0\nbonus will\u00a0\nbe paid to\u00a0\nyou\n\u00a0and your friend if:\n\u00a0\n\n\n\n\nYou hold\u00a0\nan active Raiz Investment Account with a balance of\u00a0\nat least\u00a0\nRM5\n; and\n\n\nYour friend whom you refer\u00a0\nmakes a deposit and has a balance of at least RM5\n.\n\n\n\n\nOnce you and your friend have met the conditions above, \nyou will both receive the RM10 referral bonus automatically into your Raiz account within 3 business days.\n\u00a0\n\n\nFor more details, you can also refer to\u00a0\nour\n\u00a0\nPlatform Agreement.\n\n\n\u00a0\n\n\n\n\nWant to refer your friends?\n\n\nGet a RM10 bonus for every active referral:\n\n\n\n\n.\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/shop-and-get-rewarded/", "title": "What is Raiz Rewards? Shop and get rewarded!", "body": "What is Raiz Rewards? Shop and get rewarded!\n\n\nKlik sini untuk Bahasa Melayu\n\n\n\u00a0\n\n\nWhen you make a purchase with our brand partners through Raiz, you will receive a cash bonus (as a reward!) in your Raiz account. That is Raiz Rewards!\n\n\n\n\n\u00a0\n\n\nHow does Raiz Rewards work?\n\n\nStep 1:\n Go to the \u2018Raiz Rewards\u2019 section in the Raiz app.\n\n\nStep 2:\n Find the brand you\u2019d like to purchase from and click the \u201cShop Online Here\u201d button. You\u2019ll then be redirected to the brand\u2019s site/app where you must make your purchase without clicking any other external links.\n\n\nMake sure your browser is not in the incognito/private mode too.\n\n\nEasy!\n\n\n\u00a0\n\n\nBetter than loyalty points!\n\n\nInstead of collecting points which you can redeem later, you can earn a cash reward on eligible purchases by just clicking through our Raiz Rewards links.\n\n\nWe have partnered with several brands (many more to come!) to fund either a percentage or a fixed amount to be invested back into your Raiz account. Raiz Rewards sets a new standard for rewards programs by helping you invest in your future through your purchasing behaviour.\n\n\nThis feature helps you \u2013 especially if you like to shop online \u2013 to increase your savings, reach your financial goals and develop financial confidence.\n\n\n\u00a0\n\n\nWhere do Raiz Rewards appear?\n\n\nThe Raiz Reward will appear on the Past screen in the Raiz app. Please note that your Raiz Reward will take longer than you may think to be reflected in the app, after considering each brand\u2019s cancellation/ return/ exchange period. This may take as long as 150 days.\n\n\nPlease refer to each of the individual brand partner\u2019s Terms & Conditions before purchasing to understand the eligibility requirements and when to expect the Raiz Reward deposited into your Raiz account.\n\n\n\u00a0\n\n\nWhere does the reward come from?\n\n\nPartnered brands pay us either a percentage or a fixed amount per sale which we use to cashback to you as a reward. Essentially, we use the money to buy shares on your behalf which are invested back into your portfolio.\n\n\n\u00a0\n\n\nWhat brands do we partner with?\n\n\nWe partner with many local & international brands \u2013 Shopee, Lazada are some of them \u2014 also covering a variety of categories including fashion, food, travel and many more.\n\n\nWe\u2019re also constantly on-boarding new partners, so be sure to check the app and any communications about new partners. This means more opportunities for more rewards into your Raiz account!\n\n\n\u00a0\n\n\nShop and get rewarded now!\n\n\n\u00a0\n\n\nRaiz Rewards\n\n\n\u00a0\n\n\nNeed more details?\n\n\nRead the FAQ on Raiz Rewards \nhere\n.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/shop-smart-stay-safe-a-guide-to-recognizing-e-commerce-scams/", "title": "Shop Smart, Stay Safe: A Guide to Recognizing E-commerce Scams", "body": "Shop Smart, Stay Safe: A Guide to Recognizing E-commerce Scams\n\n\n\u00a0\n\n\nWhat is E-Commerce Scam?\n\n\nE-Commerce scam refers to fraudulent activities or deceptive practices. These scams usually aim to trick or deceive consumers, often resulting in financial losses or the compromise of personal information.\n\n\n\n\n\nSome examples of E-Commerce Scam you should be aware of.\n\n\n\n\nNon-Delivery Scams \u2013 In this type of scam, sellers receive payment from buyers for products but fail to deliver the purchased items, leaving the buyers without their ordered item and losing their money.\n\n\nFake Online E-commerce Websites \u2013 Scammers create fake e-commerce websites to trick you to entering your personal and financial information to make a purchase. Scammers will use the personal and financial information to carry out various illegal action.\n\n\nOnline Auction Scams \u2013 Scammers manipulating online auction platform to deceive bidders to paying for items that does not exist or a fake. Scammers will use the personal and financial information to carry out various illegal actions.\n\n\nOverpayment Scams \u2013 Scammers may contact buyers posing as e-commerce platforms, claiming the buyer to be eligible for refund due to issue with their purchase where sensitive information and processing fees will be requested. Refund is fake, scammer will then disappear with your personal information and money.\n\n\nImpersonation Scams \u2013 Scammers will impersonate legitimate E-commerce sellers or platforms to deceive unsuspecting buyers. In this scam, the scammers create fake online stores or listings that closely resemble well-known and reputable E-commerce platforms or sellers.\n\n\n\n\nTips to avoid being scammed:\n\n\n\n\nVerify legitimacy: Always check the credibility of the e-commerce websites and sellers before making any purchases or payments.\n\n\nResearch on the seller/product: Always do your research before you make any rash decision when making purchases online.\n\n\nUse secure payment method: Always use secure payment gateways and websites with \u2018https\u2019 in the URL to avoid sharing sensitive financial information through unsecured channels or platforms that look suspicious.\n\n\nCheck reviews and rating: Make checking reviews and rating a habit to assess the credibility of the seller and the quality of the products.\n\n\nAvoid providing sensitive information through unsolicited emails or links.\n\n\n\n\nWhat to do if you have been scammed?\n\n\n\n\nImmediately contact your bank or the National Scam Response Center (NSRC) at 997\n\n\nLodge a police report at the nearest police station. Do it even after contacting your bank or NSRC.\n\n\n\n\nStay vigilant Malaysian! By staying informed, cautious, and reporting any suspicious activities to authorities, we can protect ourselves and our fellow Malaysians from falling victims to scams. No matter how small the effort, let\u2019s strive to a scam-free society.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/should-i-withdraw-all-my-money-now-investing-from-our-pov/", "title": "\u201cShould I withdraw all my money now?\u201d Investing \u2013 from our POV \ud83d\udc40", "body": "\u201cShould I withdraw all my money now?\u201d Investing \u2013 from our POV \ud83d\udc40\n\n\nKlik sini untuk Bahasa Melayu\n\n\nA Raizer called today. She asked \u2013 politely \u2013 \u201cI have made an RM1,000 one-off deposit early this year. To date, my account balance is now RM939. That is -6.1% already. \nWhy is it lower? What should I do? Should I withdraw all my money now?\n This is my first time investing using my money. Please help.\u201d.\n\n\n\n\n\u00a0\n\n\nWhy is it lower\n?\n\n\nIn investing, there are ups and downs. When you invest, you practically buy units of shares at a price.\n\n\nThe price goes up and down according to share market movement.\n\n\n\u00a0\n\n\nNow let\u2019s look at the share market performance\n.\n\n\nUS market (S&P 500 index) is down \n21.1%\n since January this year.\n\n\nAt home, our market (FBM KLCI) is down \n8.7%\n year-to-date.\n\n\nAs you can see, the customer\u2019s investment is down \n6.1%\n \u2014 this is still technically better than the market performance. Why? Because with Raiz, you don\u2019t invest in a single share. You invest in a portfolio of shares in many markets globally. So, when one share goes down, another goes up, it is eventually balanced out. This is the importance of \ndiversification\n.\n\n\n\u00a0\n\n\nSo, \nwhat should the customer do\n, and \nshould she withdraw all her money\n?\n\n\nWhat she is seeing is just a loss on paper \u2013 it is not realized until you act upon it. If you withdraw, you practically sell all your units. If you sell at a lower price than you bought, you make a loss. If you sell it higher, you make a profit. Buy low, sell high. So instead of telling her whether or not to withdraw, we told her to take the opportunity of the current low price. Buy more units so your average cost per unit gets lower so when the market bounces back, you will be back in the green faster. This is actually \nringgit cost averaging\n.\n\n\nRemember, every market downturn in the past has ended up higher. A market downturn is an opportunity. Don\u2019t get carried away with emotions.\n\n\nRaiz is designed for 1st-time investors. We help build your investment portfolio, we let you invest using a small amount of money, and we automate your investing process so you can invest regularly. These are all key to having a healthier balance in the long run.\n\n\nHappy investing!\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n"}
{"url": "https://raiz.com.my/blog/should-you-bite-into-apple/", "title": "Should you bite into Apple? (weekly ended 06/06/2023)", "body": "Should you bite into Apple? (weekly ended 06/06/2023)\n\n\nKlik sini untuk Bahasa Melayu\n\n\nSharing some Investing and Economic insights:\n\n\nApple shares hit their \nhighest price in 43-year history\n yesterday ahead of its plan to unveil an augmented-reality headset called the Vision Pro, its most significant new product launches ever since the introduction of the iPhone.\n\n\n\n\nThe stock hit as high as USD 184.36 in morning trading, more than its prior all-time high of USD 182.94 achieved in January 2022.\n\n\nVision Pro will allow users to interact with digital content in mixed reality and will retail for USD 3,499.\n\n\n\n\n\u00a0\n\n\n\n\nUS\u2019s S&P 500 stock market index on Friday \nclosed at its highest level\n in over nine months after Fed officials voiced a preference for a pause in rate hikes and after the US debt ceiling has been raised.\n\n\n\n\n\u00a0\n\n\n\n\nCryptocurrencies fell yesterday after the US securities regulator sued crypto exchange Binance.\n\n\n\n\n\n\nBinance is the largest cryptocurrency exchange by trading volume\n\n\n\n\n\u00a0\n\n\n\n\nAt home, more companies (Corporate Malaysia) reported earnings that were below expectations for Jan-Mar 2023 period compared with the previous quarter, reflecting general weakness in the economy.\n\n\n\n\n\u00a0\n\n\nRaiz is about helping you save & invest more \u2013 being \nable to save 5% of your salary every month is better\n than earning 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).\n\n\n\u00a0\n\n\nDo you know?\n\n\nUSD 1.8 MILLION\n\n\nThat\u2019s how much your USD1,000 investment in Apple during its 1980 IPO would be worth now.\n\n\nWith Raiz, you can invest in Apple shares too! Just set your portfolio to \nCustom Portfolio\n and add United-i Global Balanced Fund (Shariah) in the portfolio. The fund has Apple shares as its top 5 holdings*.\n\n\n*for May 2023\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/should-you-prioritise-spending-less-or-earning-more/", "title": "Should You Prioritise Spending Less or Earning More", "body": "Should You Prioritise Spending Less or Earning More\n\n\n\u00a0\n\n\nIt\u2019s one of those eternal financial questions with no easy answer \u2014 is it better to focus on earning more or prioritise spending less?\n\u00a0\n\n\nWhile most personal finance advice focuses on cutting expenses, it\u2019s also a good financial strategy to find ways to boost your earnings. Or, ideally, do both at the same time.\n\u00a0\n\n\n\u00a0\n\n\nSpending less\n\u00a0\n\n\nThere\u2019s no reason to wait on cutting your spending back \u2014 you can spend less immediately. It doesn\u2019t take any special financial knowledge and you can start right now.\n\u00a0\n\n\nFor instance, think about scaling back your discretionary spending. This will look different for different people, but it could include cutting back on buying takeaway lunches, cancelling unused subscriptions or returning those fancy sneakers you just bought online.\n\u00a0\n\n\nIf you\u2019re serious, it also helps to distinguish what you need from what you want, especially in a society that suffers from so-called \u201caffluenza\u201d. By taking a good look at this, you may also be able to significantly reduce your weekly and monthly outgoings.\n\u00a0\n\n\nHowever, there is a limit, especially for Malaysians living in\u00a0\nan\u00a0\nurban centre like Kuala Lumpur, where the cost of living is high. If this is you, it\u2019s likely your fixed costs \u2014 things like rent and transport \u2014 could be tough to dramatically reduce.\n\u00a0\n\n\n\u00a0\n\n\nEarning more\n\n\nThe benefit of earning more isn\u2019t hard to see \u2014 the more you earn, the more financial options you have, which potentially puts you on a path to financial security and abundance. However, one downside of aiming to earn more is that it involves risk.\n\u00a0\n\n\nOften, looking to earn more involves stepping out of your comfort zone, whether that means retraining, changing jobs, starting your own company, or going out solo as a freelancer in the gig economy.\n\u00a0\n\n\nAlso, just because you earn more doesn\u2019t mean you\u2019ll have more money at the end of the day. Sometimes it\u2019s the case that you end up spending more when your earnings increase, making fiscal discipline\u00a0\nall the more\n\u00a0important as you climb the ladder of wealth.\n\u00a0\n\n\n\u00a0\n\n\nWhy not spend less and earn more?\n\n\nRemember, there\u2019s always the danger that you end up having less time \u2014 and inferior quality of life \u2014 if your increased earnings mean you end up working around the clock.\n\u00a0\n\n\nUltimately, it\u2019s about balance. Aim to get to a point where you have enough money to spend on the things you love to do while working at a healthy and sustainable level.\n\u00a0\n\n\n\u00a0\n\n\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/soalan-lazim-faq-ppz-maiwp-x-raiz/", "title": "Soalan Lazim (FAQ) Zakat PPZ-MAIWP x Raiz", "body": "Soalan Lazim (FAQ) Zakat PPZ-MAIWP x Raiz\n\n\n\u00a0\n\n\n1) Apa itu Raiz?\n\n\n\n\nRaiz adalah satu \naplikasi pelaburan \nmikro. Fungsi utama Raiz adalah membantu anda menyimpan dan melabur duit baki harian anda secara automatik apabila setiap kali anda berbelanja supaya tabungan anda boleh terbina tanpa anda sedari!\n\n\n\n\nRaiz adalah syarikat usahasama antara Raiz Australia Invest Limited dan Permodalan Nasional Berhad (PNB). Raiz merupakakan entiti pasaran modal yang dilesenkan oleh Suruhanjaya Sekuriti Malaysia.\n\n\nUntuk sebarang info, lawati \nwww.raiz.com.my\n atau hubungi Raiz di \n[email\u00a0protected]\n atau 03-27146114, atau laman rasmi media sosial \nFacebook\n kami.\n\n\nKini, lebih 300,000 akaun Raiz telah dibuka! Aplikasi Raiz boleh dimuat turun dari app store (Android dan iOS).\n\n\n\u00a0\n\n\n2) Bagaimana kerjasama PPZ-MAIWP x Raiz ini berfungsi?\n\n\nSelain fungsi utama menyimpan dan melabur duit baki harian, satu lagi fungsi menariknya ialah \nRaiz Rewards\n, dimana pengguna Raiz akan mendapat ganjaran bonus tunai setiap kali berbelanja dengan lebih 100 rakan jenama kami (Shopee, Lazada, agoda dan banyak lagi!).\n\n\nDengan\n kerjasama terkini bersama PPZ-MAIWP\n, apabila anda membayar kewajiban \nzakat anda melalui Raiz\n, anda menerima ganjaran \nbonus tunai 1% untuk setiap pembayaran zakat\n tersebut.\n\n\nMudah!\n\n\n\u00a0\n\n\n3) Adakah pembayaran zakat ditolak daripada akaun Raiz saya?\n\n\nTidak. \nApabila anda membayar zakat melalui Raiz, ianya BUKAN ditolak daripada akaun Raiz anda. Ianya akan ditolak dari kad debit anda.\n\n\n\u00a0\n\n\n4) Bila dan bagimana saya akan mendapat ganjaran bonus tunai 1% daripada Raiz?\n\n\nBiasanya anda akan menerima ganjaran bonus tunai daripada kami \nsepantas esok hari bekerja\n! Bonus tunai ini akan dimasukkan terus ke dalam akaun Raiz anda secara automatik.\n\n\n(Dalam situasi yang jarang berlaku, ianya mungkin mengambil masa sehingga 5 hari bekerja.)\n\n\nAnda boleh melihat ganjaran bonus tunai anda di skrin \u201cLepas\u201d (\u201cHistory\u201d) di dalam aplikasi Raiz anda.\n\n\n\u00a0\n\n\n.\n\n\n5) Adakah ganjaran bonus tunai ini akan memberi kesan kepada jumlah bayaran zakat saya?\n\n\nTidak\n. Sebagai contoh, anda bayar Zakat RM100, anda akan menerima resit dari PPZ-MAIWP sejumlah RM100. Pada masa yang sama, anda akan menerima RM1 (iaitu 1%) di dalam akaun Raiz anda.\n\n\n\u00a0\n\n\n6) Dari mana datangnya ganjaran bonus tunai 1% ini?\n\n\nBonus tunai ini adalah adalah \ntajaan dari pihak Raiz\n, bukan PPZ-MAIWP.\n\n\n\u00a0\n\n\n7) Bila dan bagaimana saya boleh mendapatkan resit pembayaran?\n\n\nAnda boleh mendapatkan resit rasmi dan rekod pembayaran daripada portal \nzakat2u\n PPZ-MAIWP dalam masa \n3 hari\n setelah pembayaran dibuat. Pastikan anda mempunyai akaun dengan PPZ-MAIWP (anda hanya perlu daftar jika anda belum ada).\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\n\nDownload it for free in the App store:\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/soalan-lazim-pengagihan-pendapatan-untuk-tahun-kewangan-berakhir-mac-2021/", "title": "Soalan Lazim \u2013 Pengagihan Dividen untuk Dana-dana ASNB", "body": "Soalan Lazim \u2013 Pengagihan Dividen untuk Dana-dana ASNB\n\u00a0\n\n\n\n\nClick here for English\n\n\n09-03-2023\n\n\n1) Tiga portfolio Raiz terdiri daripada 3 dana-dana ASNB;\n\n\n\u00a0\n\n\nPortfolio Raiz\n\n\n\n\n2) Bilakah pengagihan pendapatan akan diumumkan?\n\n\nAnda perlu memahami yang dividen, jika anda, hanya akan diumumkan oleh ASNB atas budi bicara, pada bila-bila masa tanpa pengumuman awal. Biasanya, ia diumumkan pada tahun kewangan berakhir untuk setiap dana.\n\n\nUntuk ketiga-tiga dana di atas yang digunakan Raiz untuk melabur, ia mungkin diumumkan pada 31 Mac 2023.\n\n\n\u00a0\n\n\n3) Berapa jumlah pengagihan pendapatan yang akan dibuat?\n\n\nAnda hanya akan tahu setelah ia diumumkan pada 31 Mac 2022.\n\n\n\u00a0\n\n\n4) Berapa banyak yang akan saya dapat? Bagaimana pengiraannya? Adakah ia dikira secara prorata?\n\n\nPengiraan pengagihan pendapatan dibuat berdasarkan \njumlah unit yang anda miliki dalam rekod kami pada 31 Mac 2023\n, tanpa mengira bila anda melabur. Ianya juga bukan secara prorata.\n\n\nDividen yang diagihkan oleh ketiga-tiga dana tersebut akan dimasukkan ke dalam akaun Raiz anda secara automatik pada 1 Apr 2023, dan kemudiannya dilaburkan semula mengikut portfolio pelaburan anda.\n\n\n\u00a0\n\n\n\n\nContoh;\n\n\n\n\nAnggap;\n\n\n\nPortfolio Raiz anda ialah Agressive (80% dilaburkan di dalam dana ASN Equity 3 & 20% ASN Sara 1); dan\n\n\nAnda memiliki 800 unit dana ASN Equity 3 & 200 unit ASN Sara 1.\n\n\n\n\n\n\n\n\n\n\nASNB mengisytiharkan dividen 3 sen seunit untuk dana ASN Equity 3 & 2 sen seunit untuk ASN Sara 1\n\n\n\n\n\n\nDividen anda adalah sebanyak \nRM28.00\n;\n\n\n\nASNe3 = 800 units x 3 sen= RM24.00; dan\n\n\nASNs1 = 200 units x 2 sen= RM4.00\n\n\n\n\n\n\n\n\nDividen RM28.00 tersebut kemudian akan dilaburkan semula ke dalam akaun Raiz anda mengikut portfolio pelaburan anda.\n\n\n\n\n\n\n\u00a0\n\n\n5) Bilakah tempoh penangguhan? Bagaimana akaun Raiz saya akan terkesan?\n\n\nTempoh penangguhan urusniaga adalah pada 29 \u2013 31 Mac 2023 (Rabu-Jumaat). \nKesemua transaksi \u2013 deposit, pengeluaran dan pertukaran portfolio akan terkesan dan tertangguh\n. Proses hanya akan bersambung pada 3 Apr 2023 (Isnin).\n\n\nHari terakhir untuk membuat \npengeluaran \nseperti biasa adalah pada \n27 Mac 2023 (Isnin)\n\u00a0sebelum ianya tertangguh.\n\n\nHari terakhir untuk membuat \npertukaran portfolio \nseperti biasa adalah pada \n23 Mac 2023\n\u00a0sebelum ianya tertangguh.\n\n\n\u00a0\n\n\n6) Bilakah hari terakhir deposit ke dalam akaun Raiz boleh lagi dilakukan supaya saya layak mendapat dividen tersebut?\n\n\nHari terakhir untuk deposit adalah \n27 Mac\n (Isnin) \u2013 supaya kami boleh melaburkan wang anda keesokan harinya (28 Mac, Selasa) sebelum tempoh penangguhan bermula pada 29 \u2013 31 Mac 2023 (Rabu-Jumaat).\n\n\nAnda masih boleh membuat deposit ke akaun Raiz anda seperti biasa semasa tempoh penangguhan ini (29 \u2013 31 Mac 2023), tetapi ia hanya akan dilaburkan pada 3 April 2023 (Isnin).\n\n\n\u00a0\n\n\nHARAP MAKLUM;\n\n\n\n\nIni bukan dana modal terjamin atau modal terlindung. Harga unit boleh naik dan turun.\n\n\nPrestasi lepas dana bukanlah satu petunjuk prestasi masa depannya.\n\n\nApabila dividen diumumkan, berikutan daripada agihan itu, harga seunit akan direndahkan untuk mengambil kira dividen yang telah diagihkan. Nilai pelaburan anda akan kekal tidak berubah selepas pengagihan dividen ini. Begitu juga apabila pecahan unit diumumkan, nilai pelaburan anda akan kekal tidak berubah selepas pengagihan unit-unit tambahan itu.\n\n\n\n\n\u00a0\n\n\n\n\nTiada applikasi Raiz lagi?\n\n\nMuat turun sekarang:\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/statistik-pelaburan-menarik-pahit-tapi-benar/", "title": "Statistik Pelaburan Menarik \u2013 Pahit Tapi Benar!", "body": "Statistik Pelaburan Menarik \u2013 Pahit Tapi Benar!\n\n\nClick here for English\n\n\n\u00a0\n\n\nBerikut adalah beberapa statistik pelaburan menarik untuk anda:\n\n\n\n\n\n\nStrategi pelaburan \nmudah\n mengalahkan strategi yang \nkompleks\n.\n\n\n\n\nPengajaran\n: Strategi pelaburan mudah juga berkesan. Jangan terpengaruh dengan strategi yang kompleks \u2013 kerana ia adalah kompleks!\n\n\n\u00a0\n\n\n\n\nJika anda belum mula menabung sehingga umur \n45\n, anda perlu menyimpan tiga kali ganda lebih banyak berbanding jika anda bermula pada umur \n25\n.\n\n\n\n\nPengajaran\n: Jangan berlengah, mula sekarang!\n\n\n\u00a0\n\n\n\n\nPelabur bilionair Warren Buffett telah mengakui bahawa pelaburannya dalam Tesco adalah salah satu kerugian terbesar dalam sejarah pelaburannya.\n\n\n\n\nPengajaran\n: Pelabur terbaik di dunia juga mengalami kerugian besar, apatah lagi kita.\n\n\n\u00a0\n\n\n\n\nKejatuhan pasaran saham tidak dapat dielakkan.\n\n\n\n\nPengajaran\n: Kejatuhan adalah ciri pasaran saham, bukan suatu ralat. Tetapi kita masih boleh menghadapinya dengan baik dalam jangka masa panjang, terutamanya dengan menggunakan teknik \nPurata Kos Ringgit\n.\n\n\n\u00a0\n\n\n\n\n6.1 juta ahli KWSP kini mempunyai kurang daripada RM10,000 dalam akaun KWSP mereka \u2013 di mana 3.6 juta daripadanya mempunyai kurang daripada RM1,000\u2026\n\n\n\n\nPengajaran\n: Mula merancang dengan serius untuk persaraan anda.\n\n\n\u00a0\n\n\n\n\nJika anda hanya menyimpan wang anda dalam akaun simpanan bank, secara teknikal anda kehilangan nilainya kepada inflasi. RM150,000, 30 tahun dahulu boleh membeli sebuah rumah teres dua tingkat, tetapi hampir mustahil untuk menjumpai rumah sekarang dengan harga itu.\n\n\n\n\nPengajaran\n: Simpan dan laburkan wang anda!\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/sukan-olimpik-tokyo-2020/", "title": "Sukan Olimpik Tokyo 2020 (minggu berakhir 27/07/2021)", "body": "Sukan Olimpik Tokyo 2020 (minggu berakhir 27/07/2021)\n\n\n\u00a0\n\n\nBerikut adalah beberapa maklumat berkenaan Pelaburan dan Ekonomi:\n\n\n\n\n\n\nSukan Olimpik Tokyo 2020 telah bermula.\n\n\n\nIa bermula minggu lepas walaupun menerima bantahan dari rakyat Jepun dan WHO di tengah-tengah kebimbangan bahawa acara itu boleh menjadi acara super-penyebar.\n\n\nSetakat 26 Julai, kira-kira 148 kes COVID-19 berkaitan sukan itu telah direkodkan di Jepun. Acara itu akan berakhir pada 8 Ogos depan dan telah menarik kira-kira 11,000 atlet dari 200 negara \u2013 Reuters.\n\n\n\n\n\n\n\n\n\n\nPergerakan indeks utama dunia untuk 1 minggu lepas \u2013 sebagai gambaran yang baik untuk mengetahui prestasi pasaran saham keseluruhan.\n\n\n\n\n\n\n\n\nSapura Energy menang tujuh kontrak bernilai RM1.2b di Malaysia dan Thailand.\n\n\n\nPemegang saham terbesar Sapura Energy sejak Jan-19 adalah Permodalan Nasional Bhd (PNB) melalui pelbagai dana unit amanahnya mempunyai hampir 40% kepentingan ekuiti dalam syarikat Minyak & Gas itu.\n\n\nPada harga penutup 12.5 sen semalam, modal pasarannya ialah RM1.92b.\n\n\n\n\n\n\n\n\n\n\nCTOS Digital Bhd buat penampilan sulung di Bursa Malaysia \u2013 The Edge\n\n\n\nHarga sahamnya mencecah paras tertinggi sebanyak RM1.76, premium 60% berbanding harga tawaran awam permulaan (IPO) RM1.10.\n\n\nCTOS mencatatkan bilangan pelabur institusi terbesar dalam sejarah IPO di Malaysia, dengan 23 pelabur institusi besar terlibat \u2013 KWSP dan PNB, antara lain.\n\n\n\n\n\n\n\n\n\u00a0\n\n\nDefinisi Minggu Ini: \nPelabur Landasan (Cornerstone Investors) & IPO\n\n\nPelabur yang komited lebih awal untuk melabur sejumlah besar di dalam IPO.\n\n\nTawaran Awam Permulaan, atau IPO, ialah apabila syarikat menjual sebahagian saham-sahamnya kepada pelabur awam.\n\n\n\u00a0\n\n\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/super-dad-teaches-kids-about-money/", "title": "Super Dad Teaches Kids about Money", "body": "Super Dad Teaches Kids about Money\n\n\n\u00a0\n\n\nAs parents, we would always want the best for our children especially when it comes to safety and security. Some of the best things that we can do for them is to lay a foundation that they can build upon to do well in life, and one of them is to teach them about money.\n\n\n\n\n\u00a0\n\n\nWhen to start?\n\u00a0\n\n\nWe can begin as soon as they are aware of the concept of money. Remember, the earlier we start, the better it will be! The sooner we start with savings and investing, the more time we will have to reap the benefit of \ncompounding\n. Sikit-sikit, lama-lama jadi bukit.\n\n\n\u00a0\n\n\nLead by Example\n\u00a0\n\n\nThis is important because kids learn from what they see.\u00a0So, the best way to teach your children about saving money is to save money yourself.\u00a0Children are\u00a0naturally\u00a0observant and will learn many of their money concepts by watching you and copying your\u00a0behavior.\u00a0You may also\u00a0invite them to have simple discussions\u00a0on the pros and cons when deciding to buy certain things.\u00a0\n\n\n\u00a0\n\n\nMake Learning Fun\n\u00a0\n\n\nLearning\u00a0can be fun too!\u00a0\u00a0In\u00a0a Facebook\u00a0\npost\n\u00a0that went viral, a\u00a0man shared his experience learning about\u00a0money management as taught by his parents.\n\u00a0\n\n\n\u201cEvery week I get one dollar for allowance. Then I get to choose the section where I put my dollar. There are four sections: spend, save, donate, and invest. If I put a dollar in the \u2018invest section,\u2019 my parents give me two extra pennies at the end of every month.\u00a0I\u2019ve\u00a0only used my \u2018spend section\u2019 twice! I have way over $10 in my \u2018invest section.\u2019 I used to have more but I took some money out and put it in my \u2018donate section.\u2019 We used to it to buy food for people who don\u2019t have much money in their \u2018spend section.\u2019\u201d\n\u00a0\n\n\nThis is a\u00a0clever\u00a0way to teach children\u00a0to understand the big picture of money management.\u00a0Not to mention,\u00a0it\u00a0is\u00a0also a\u00a0brilliant\u00a0way to teach children compassion!\n\u00a0\n\n\n\u00a0\n\n\nRaiz Kids\n\u00a0\n\n\nWe understand that life\u00a0may get\u00a0busy and messy, especially when you have little ones. For the parents and grandparents in our Raiz community, we know it is not simple to get started on a savings fund for your kids.\n\u00a0\n\n\nSo, if you\u2019re thinking to put money into savings for your children\u00a0in an automated way,\u00a0\nRaiz Kids\n\u00a0is for you! Open your\u00a0Raiz app, click \u2018\nInvest\n\u2019, scroll\u00a0down,\u00a0and go to the \u2018\nRaiz Kids\u2019\n\u00a0section\u00a0to get started.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/syed-mokhtar-menjadikan-mmc-corp-syarikat-persendirian/", "title": "Syed Mokhtar Menjadikan MMC Corp Syarikat Persendirian (minggu berakhir 08/06/2021)", "body": "Syed Mokhtar Menjadikan MMC Corp Syarikat Persendirian (minggu berakhir 08/06/2021)\n\n\n\u00a0\n\n\nBerikut adalah beberapa maklumat berkenaan Pelaburan dan Ekonomi:\n\n\n\n\n\n\nSyed Mokhtar tawar RM2.94 bilion untuk beli pemegang saham minoriti MMC Corp \u2013 The Edge.\n\n\n\nBeliau yang kini memegang 51.8% kepentingan dalam MMC, menawarkan untuk membeli saham MMC ia belum miliki sebanyak RM2 sesaham melalui langkah pengurangan modal terpilih \u2013 harga itu lebih daripada 50% daripada harga dagangan terakhir sebanyak RM1.30 sebelum pengumuman dibuat.\n\n\nSyed Mokhtar, 69, berada di kedudukan ke-18 dalam senarai 50 Individu Terkaya Malaysia 2021 oleh Forbes yang diterbitkan Khamis lepas dengan nilai bersih sebaynak USD1.2 bilion.\n\n\n\n\n\n\n\n\n\n\nDuopharma Biotech Bhd bakal membekalkan vaksin Covid-19 buatan Rusia ke Malaysia \u2013 The Edge.\n\n\n\nDuopharma Biotech berkata ia telah menandatangani perjanjian dengan kerajaan untuk membekalkan 6.4 juta dos vaksin \u201cSputnik V\u201d ke Malaysia.\n\n\nHarga dagangan terakhir Duopharma Biotech ialah RM3.10, dengan nilai pasaran syarikat pada RM2.19bilion.\n\n\n\n\n\n\n\n\n\n\nPress Metal Aluminium Holdings Bhd menggandakan keuntungan bersihnya pada suku pertama, terima kasih kepada harga aluminium yang tinggi \u2013 The Star.\n\n\n\nDalam tempoh tiga bulan berakhir 31 Mac, 2021, keuntungan bersihnya melonjak kepada RM205.7mil daripada RM102.6mil setahun yang lalu.\n\n\nTan Sri Paul Koon Poh Keong dan empat adik-beradiknya, pengasas bersama kumpulan itu, berada di tempat ketiga dalam senarai Individu Malaysia Terkaya dengan nilai bersih USD6.4 bilion.\n\n\nPress Metal Aluminium juga merupakan salah satu daripada 10 pegangan utama Dana ASN Equity 3.\n\n\n\n\n\n\n\n\n\n\nBank Negara: Moratorium pinjaman automatik untuk semua buakn penyelesaian terbaik buat masa ini.\n\n\n\nPeminjam yang mengalami penurunan pendapatan, termasuk gaji, elaun dan komisen, layak untuk pengurangan ansuran bulanan.\n\n\nPeminjam individu yang telah kehilangan pekerjaan mereka juga boleh memilih sama ada moratorium tiga bulan atau pengurangan ansuran bulanan sebanyak 50% selama enam bulan.\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nDefinisi Minggu Ini: Komoditi\n\n\nBahan mentah yang diperlukan oleh syarikat pembuatan besar untuk perniagaan. Contoh; getah, minyak sawit, minyak sawit, emas, aluminium, bijih besi. Seperti saham, komoditi juga adalah sejenis kelas aset.\n\n\n\u00a0\n\n\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/tan-sri-syed-mokhtar-pertimbang-jual-saham-dalam-mmc-port-dan-dua-lagi-perkara-yang-anda-perlu-tahu-minggu-ini/", "title": "Tan Sri Syed Mokhtar pertimbang jual saham dalam MMC Port \u2013 dan DUA lagi perkara yang anda perlu tahu minggu ini (minggu berakhir 23/5/2023)", "body": "Tan Sri Syed Mokhtar pertimbang jual saham dalam MMC Port \u2013 dan DUA lagi perkara yang anda perlu tahu minggu ini (minggu berakhir 23/5/2023)\n\n\nClick here for English\n\n\nKami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:\n\n\n\n\nTaikun Tan Sri Syed Mokhtar Al-Bukhary melalui konglomerat miliknya MMC Corp, sedang mempertimbangkan untuk menjual saham sehingga 30% dalam MMC Port. Ini bakal menilai pengendali pelabuhan terbesar negara itu lebih RM12 bilion.\n\n\n\n\nMMC Port mempunyai tujuh pelabuhan di Malaysia \u2013 Pelabuhan Tanjung Pelepas, Pelabuhan Johor, Northport, Pelabuhan Pulau Pinang, Pelabuhan Tanjung Bruas, Pelabuhan Andaman dan Terminal Produk Pepejal \u2013 semuanya terletak di sepanjang Selat Melaka, salah satu laluan perkapalan paling sibuk di dunia.\n\n\n\n\n\u00a0\n\n\nDan DUA lagi perkara:\n\n\nBursa Malaysia ditutup rendah semalam\n dengan lebih 500 kaunter berakhir merah, sejajar dengan sentimen lemah di pasaran serantau apabila pelabur menjual saham selepas kebimbangan mengenai kadar faedah muncul semula, dan juga mengenai siling hutang Amerika Syarikat (AS).\n\n\nSuruhanjaya Sekuriti (SC) telah mengambil tindakan terhadap Huobi Global Ltd dan Ketua Pegawai Eksekutifnya Leon Li kerana \nmengendalikan bursa aset digital di Malaysia tanpa lesen\n dan telah mengarahkan Huobi untuk menghentikan operasinya di Malaysia.\n\n\n\n\nOrang ramai dinasihatkan untuk melabur dengan syarikat yang berdaftar dengan SC kerana syarikat-syarikat ini telah melalui penelitian kawal selia yang menyeluruh dan dikehendaki mematuhi garis panduan yang ketat supaya pelabur dilindungi di bawah undang-undang sekuriti Malaysia.\n\n\n\n\n\u00a0\n\n\nRaiz membantu anda menyimpan & melabur \u2013 \nberjaya menyimpan 5% daripada gaji anda setiap bulan adalah lebih baik\n daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\u00a0\n\n\nAnda tahu?\n\n\nIndia telah mengatasi China sebagai negara yang paling ramai penduduk di dunia. Apabila digabungkan, kedua-duanya mempunyai lebih daripada 2.8 bilion orang \u2013 lebih daripada satu pertiga daripada penduduk dunia.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/tan-sri-syed-mokhtar-weighs-selling-a-stake-in-mmc-port-and-two-more-things-you-need-to-know-this-week/", "title": "Tan Sri Syed Mokhtar weighs selling a stake in MMC Port \u2013 and TWO more things you need to know this week (weekly ended 23/5/2023)", "body": "Tan Sri Syed Mokhtar weighs selling a stake in MMC Port \u2013 and TWO more things you need to know this week (weekly ended 23/5/2023)\n\n\nKlik sini untuk Bahasa Melayu\n\n\nSharing some Investing and Economic insights\n\n\nMalaysian tycoon Tan Sri Syed Mokhtar Al-Bukhary\u2019s \nMMC Corp may sell a stake of up to 30% in MMC Ports\n. This could value the country\u2019s biggest port operator at more than RM12 bil.\n\n\n\n\nMMC Ports has seven ports in Malaysia \u2013 Port of Tanjung Pelepas, Johor Port, Northport, Penang Port, Tanjung Bruas Port, Andaman Port and Solid Product Terminal. All are located along the Straits of Malacca, one of the world\u2019s busiest shipping lanes.\n\n\n\n\n\u00a0\n\n\nAnd TWO more things:\n\n\nBursa Malaysia ended lower yesterday\n with over 500 counters ending in the red, in line with the weak sentiment in regional markets as investors took some profit after concerns over interest rates has re-emerged, and also on US debt ceiling.\n\n\nThe Securities Commission (SC) has taken action against Huobi Global Ltd and its CEO Leon Li for \noperating a digital asset exchange in Malaysia without license\n and has ordered Huobi to stop its operation in Malaysia.\n\n\n\n\nThe \npublic are advised to invest with entities that are registered with the SC\n as these entities have undergone strict regulatory scrutiny and are required to adhere to strict guidelines so that investors are protected under the Malaysia\u2019s securities laws.\n\n\n\n\n\u00a0\n\n\nRaiz is about helping you save & invest more \u2013 being \nable to save 5% of your salary every month is better\n than earning 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).\n\n\n\u00a0\n\n\nDo you know?\n\n\nIndia has overtaken China as the most populous country in the world. Both combined have more than 2.8 billion people \u2013 more than a third of the global population.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/tealive-jual-30-pegangan/", "title": "Tealive Jual 30% Pegangan (minggu berakhir 15/06/2021)", "body": "Tealive Jual 30% Pegangan (minggu berakhir 15/06/2021)\n\n\n\u00a0\n\n\nBerikut adalah beberapa maklumat berkenaan Pelaburan dan Ekonomi:\n\n\n\n\n\n\nSLoob Holding Sdn Bhd \u2014 syarikat induk jenama bubble tea Tealive, menjual kepentingan strategik sebanyak 30% kepada firma ekuiti persendirian Creador \u2013 The Edge\n\n\n\n\n\n\nVaksinasi COVID-19: 3,132,304 (atau 9.57%) individu di Malaysia telah menerima sekurang-kurangnya satu dos \u2013 The Edge\n\n\n\nAngka jangkitan baru telah berkurangan selama 4 hari berturut-turut.\n\n\n\n\n\n\n\n\n\n\nPergerakan indeks FBM KLCI sejak 1 minggu yang lalu;\n\n\n\nSelasa, 8 Jun \u2013 1,588 mata\n\n\nRabu \u2013 1,581 \u2193\n\n\nKhamis \u2013 1,580 \u2193\n\n\nJumaat \u2013 1,575 \u2193\n\n\nSabtu \u2013 cuti umum, pasaran saham ditutup.\n\n\nAhad \u2013 cuti umum, pasaran saham ditutup.\n\n\nIsnin \u2013 1,582 \u2191\n\n\n\n\n\n\n\n\n\n\nKuala Lumpur Kepong Bhd (KLK) menawarkan untuk membeli IJM Plantation Bhd dengan harga RM3.10 sesaham atau RM1.53 bilion secara keseluruhan \u2013 The Edge\n\n\n\nPemegang saham terbesar KLK, Batu Kawan Bhd juga baru-baru ini membeli Chemical Company of Malaysia Bhd (CCM) daripada PNB dengan harga RM292.97 juta.\n\n\n\n\n\n\n\n\n\n\nIndeks S&P 500 dan Nasdaq mencecah rekod tertinggi pada Selasa \u2013 CNBC\n\n\n\nPelabur berlumba-lumba membeli saham syarikat teknologi dan juga menjangkakan mesyuarat Rizab Persekutuan AS pada hari ini untuk polisi baru demi meningkatkan pemulihan ekonomi.\n\n\nS&P 500, Nasdaq Composite dan Dow Jones adalah tiga indeks pasaran saham utama dunia.\n\n\n\n\n\n\n\n\n\n\nIGB Commercial Real Estate Investment Trust (IGB Commercial REIT) akan disenarai di Bursa Malaysia \u2013 The Edge\n\n\n\nAntara hartanah di bawah amanah hartanah ialah GTower, Centrepoint dan Gardens.\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nDefinisi Minggu Ini: \nAmanah Pelaburan Hartanah (REITs)\n\n\nREIT adalah seperti dana unit amanah \u2013 ia mengumpul modal banyak pelabur supaya pelabur individu boleh melabur dalam pelaburan hartanah seperti bangunan pejabat, hotel dan pusat membeli-belah.\n\n\n\u00a0\n\n\n\n\nMaklumat Penting\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/tentang-red-bull-dan-tiga-perkara-yang-anda-perlu-tahu-minggu-ini-minggu-berakhir-15-11-2022/", "title": "Tentang Red Bull, dan TIGA perkara yang anda perlu tahu \u2013 minggu ini (minggu berakhir 15/11/2022).", "body": "Tentang Red Bull, dan TIGA perkara yang anda perlu tahu \u2013 minggu ini (minggu berakhir 15/11/2022).\n\n\nClick here for English\n\n\nKami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:\n\n\n\n\nTIGA perkara yang anda perlu tahu \u2013 minggu ini;\n\n\n1. Harga minyak jatuh di atas kebimbangan kes COVID-19 yang tinggi di bandar-bandar utama di China yang menjejaskan harapan pembukaan semula ekonomi oleh negara pengimport minyak terbesar dunia itu.\n\n\n2. Saham AS mengalami kenaikan mingguan terbesar mereka dalam beberapa bulan ini selepas data inflasi yang lebih rendah daripada jangkaan (7.7% pada bulan Oktober, berbanding ramalan ahli ekonomi sebanyak 7.9%) mendorong spekulasi bahawa Rizab Persekutuan AS akan lebih perlahan dalam menaikkan kadar faedah.\n\n\n3. Akhir sekali, kejutan kepada dunia mata wang kripto \u2013 salah satu platform jual beli kripto terbesar, FTX, memfailkan untuk bankrap selepas Binance, platform pesaing, menarik diri daripada perjanjian untuk menyelamatkan syarikat itu. FTX baru sahaja dinilaikan sebanyak AS$32 bilion pada Januari tahun ini.\n\n\n\u00a0\n\n\nRaiz membantu anda menyimpan & melabur \u2013 \nberjaya menyimpan 5% daripada gaji anda adalah lebih baik\n daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\u00a0\n\n\nAnda tahu?\n\n\nRed Bull\n (ye, minuman tenaga tu!) menguasai separuh pasaran minuman tenaga dunia; dan juga dua pasukan Formula One.\n\n\n49% pegangan saham Red Bull dimiliki oleh Mark Mateschitz (30 tahun, dari Austria, bukan Australia) yang mewarisi saham-saham tersebut berikutan kematian bapanya bulan lepas.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/the-advantages-of-ringgit-cost-averaging/", "title": "The Advantages of Ringgit Cost Averaging", "body": "The Advantages of Ringgit Cost Averaging\n\n\nKlik sini untuk Bahasa Melayu\n\n\n\u00a0\n\n\nMarkets go up and down. This is completely normal\n\u00a0\nand is known as \nmarket volatility\n or market risk. The \nRaiz Philosophy\n is to invest small amounts regularly, even in falling markets as this can help you to ride out the downturns in the market and is one of the keys to having a healthier balance over the long run. This is the well-known principle of \nRinggit Cost Averaging (RCA)\n.\n\u00a0\n\n\n\n\nHow does it work? For example, say you have RM1,000 to invest. Instead of investing it all at once, you could invest RM100 each month into the market for 10 months, despite the changes in the market value.\n\u00a0\n\n\nIf for example the stock of choice was priced at RM10 the first month, you would purchase 10 units. If during the second month the stock was priced at RM5, you would purchase 20 units, and so on.\n\u00a0\n\n\nIn the end, you would have purchased more shares when prices were lower and fewer shares when prices were higher. The outcome is that you may have invested more prudently than simply investing the money all at once in a lump sum.\n\u00a0\n\n\nLet\u2019s look at the other key advantages to sticking with\u00a0\nRinggit\n Cost Averaging\n:\n\u00a0\n\n\n\u00a0\n\u00a0\n\n\nAvoids Bad Timing\u00a0\n\n\nInvesting in one lump sum and trying to pick the best price to enter the stock is known as market timing\n\u00a0\nand is something very difficult to do and get right.\n\u00a0\n\n\nIf an investor could have any superpower in the world, it would be to pick the low points of the market. Many have tried, succeeded and failed but no one knows exactly when the lows and highs will happen, and no one can stop unwanted surprises from happening.\n\u00a0\n\n\nRinggit\n\u00a0Cost Averaging can provide a disciplined strategy as it ensures you are not too exposed to falls in the market when you buy at the top; and rewarding you when the market recovers, for buying when the market was falling.\n\u00a0\n\n\nBy not depending on the timing,\u00a0\nR\nCA can smooth out the market\u2019s ups and downs.\n\u00a0\n\n\n\u00a0\n\u00a0\n\n\nReduces Risk\u00a0\n\n\nRinggit\n\u00a0Cost Averaging is most effective in a long\n\u2013\nterm saving strategy. As the market moves up and down,\u00a0\nringgit\n-cost averaging over time reduces your risks of trying to pick the best times to invest from these swings.\n\u00a0\n\n\nBy viewing falling markets as buying opportunities, you can significantly enhance your long-term return potential when the market rebounds.\n\u00a0\n\n\n\u00a0\n\u00a0\n\n\nRemoves Emotional Investing\u00a0\n\n\nPeople often make decisions based on emotion or loss aversion. Loss aversion refers to an investor\u2019s tendency to strongly prefer avoiding losses to acquiring gains.\n\u00a0\n\n\nStudies suggest that losses are twice as powerful, psychologically, as gains, leading this type of investment mindset to be more likely to make the mistake of needlessly selling holdings and switching to cash in a down market.\n\u00a0\n\n\nBy avoiding the media hype or fear in picking the \u2018right time\u2019, investors can avoid both the euphoric and depressive investment traps.\n\u00a0\n\n\n\u00a0\n\u00a0\n\n\nRinggit\n\u00a0Cost Averaging strategy is in line with the\u00a0\nRaiz\u2019 philosophy and provides a disciplined strategy.\n\u00a0\n\n\n\u201cWe don\u2019t have to be smarter than the rest, we have to be more disciplined than the rest.\u201d\n\u00a0\u2013\u00a0\nWarren Buffett\n\u00a0\n\n\n\u00a0\n\n\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/the-balloon-drama-and-two-more-things-you-need-to-know-this-week-weekly-ended-07-02-2023/", "title": "The Balloon Drama \u2013 and TWO more things you need to know this week (weekly ended 07/02/2023).", "body": "The Balloon Drama \u2013 and TWO more things you need to know this week (weekly ended 07/02/2023).\n\n\nKlik sini untuk Bahasa Melayu\n\n\nSharing some Investing and Economic insights:\n\n\n\n\n\u00a0\n\n\nThe Balloon Drama \u2013 and TWO more things you need to know this week;\n\n\n\n\nThe Balloon Drama. A US fighter jet shot down a balloon, suspected to be a Chinese spy balloon last Saturday. China reiterated that it was a \u201ccivilian airship conducting weather research\u201d that accidentally drifted into US airspace. This has further strained the already-tense relations between the two countries. US has cancelled the planned visit to Beijing. China has asked US to \u201cnot overreact and to remain calm\u201d. Chinese equities fell on Monday. Undoubtedly, this incident will be a negative headline for the market.\n\n\nThe Fed raised its interest rate by 0.25% last Wednesday and promised of an \u201congoing increase\u201d as part of its still unresolved battle against inflation as the labor market remains strong. Last Friday data showed 517,000 jobs were created in January \u2013 well above expectations for 185,000 despite layoffs in the technology sector. It further said that inflation has eased somewhat but remains high.\n\n\nThe effect of stronger tourism activity, especially the resumption of China outbound travelling and domestic tourism demand, is expected to boost Malaysia\u2019s gross domestic product (GDP) in 2023. This would also support Malaysia economic growth forecast of 4% in 2023 \u2013 UOB Research.\n\n\n\n\n\u00a0\n\n\nRaiz is about helping you save & invest more \u2013 being\n able to save 5% of your salary is better\n than earning 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).\n\n\n\u00a0\n\n\nDo you know?\n\n\nChinese tourists recorded the 3rd biggest tourist arrivals for Malaysia.\n\n\nSingapore is first and Indonesia is second.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/the-investment-roller-coaster/", "title": "The Investment Roller Coaster", "body": "The Investment Roller Coaster\n\n\nKlik sini untuk Bahasa Melayu\n\n\n\u00a0\n\n\nFor most people, investing comes with a strong emotional attachment. If market goes up, it is easy to feel excited. If market goes down, it is even easier to feel frustrated.\n\n\n\n\nHowever, it brings little benefit to attach ourselves emotionally to our investments. Because when investments go down, it does not necessarily mean a bad result. We actually have the opportunity to buy more of the assets, but now at a lower price.\n\n\nThis follows the classic investment strategy of \u2018\nbuy low, sell high\u2019\n.\n\n\nThis strategy may not work if you are investing with emotions, hence it is so important to be in control of your emotions when investing. So that when the roller coaster happens \u2013 and it will happen \u2013 you can consider taking this opportunity to buy more instead of selling your investments in panic. If your only response to a falling market is \u2018\nsell, sell, sell\u2019\n, then perhaps you shouldn\u2019t be in the market.\n\n\nEventually over the long-term, the market will go up again (it really will, because it\u2019s a roller coaster!). The risk, however, is that the market could take longer than expected to recover, and you could be forced to sell before that time comes.\n\n\nRaiz\u2019s automated tools like recurring investments are so powerful because they help to remove the emotion that usually comes with deciding to make an investment, and at the same time allow you to\u00a0\nRinggit Cost Averaging\n into the market.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\u00a0\n\n\nDownload it for free in the App store:\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/the-raiz-opaedia-of-financial-language-a-to-c/", "title": "The Raiz-opaedia of Financial Language (A to C)", "body": "The Raiz-opaedia of Financial Language (A to C)\n\n\n\u00a0\n\n\nAt Raiz, we know there are many complicated investment and financial words that are not easy to understand. We want to help you learn slowly through some terms that you might have heard in social media, newspaper\n\u00a0etc. Maybe you know all of them or you know none, but hopefully, this list can create a new level of understanding for you.\n\n\n\n\nWe know there might be a lot to take in, so we are splitting this A-Z Raiz-\nopaedia\n easy-to-read into few parts.\n\n\nPart 1 (A\n\u00a0to\u00a0\nC):\n\u00a0\n\n\nActive Income\n\u00a0\n\n\nHard-earned money received from performing a work such as salaries, wages (basically your \u2018\ngaji\n\u2019), commissions, and income from businesses you participate in.\n\n\n\n\nIf you\u2019re wondering, the money you receive from investments such as the\u00a0\ndividend\n\u00a0that Raiz investor just\u00a0\nreceived\n\u00a0\non 1st April 2021 can be categorized as passive income.\n\u00a0\n\n\nBenchmark\n\u00a0\n\n\nA standard used\u00a0\nas a way to\n\u00a0measure an investment\u2019s performance. For example, FBMKLCI is a benchmark for Bursa Malaysia. It provides a good overview of the overall Bursa Malaysia market performance.\n\u00a0\n\n\nBond\n\u00a0\n\n\nA loan from investor to a company or government, so investors are paid interest over a specific\u00a0\ntime period\n. Just like when you borrow money and pay it back with interest.\n\u00a0\n\n\nBond\n\n\nBucketing\n\u00a0\n\u00a0\n\n\nSeparating cash into different categories for specific purposes. This helps you to track your financial priorities.\n\u00a0\n\n\n503020 Rule\n\n\nOne example of bucketing is the\u00a0\n50/30/20 Rule\n. Your budget can be categorized into three simple buckets:\n\u00a0\n\n\n\n\nYour necessities (50%)\n\u00a0\n\n\nYour wants (30%)\n\n\nYour savings & investments (20%)\n\u00a0\n\n\n\n\nCompounding\n\u00a0\n\u00a0\n\n\nThe dividend you previously earned on your investment starts earning market returns as well.\n\u00a0\n\n\nDue to the power of\u00a0\ncompounding\n, if you were to invest RM1,000 every year for 30 years, assuming average returns of 7% p.a. that investment could grow to be worth RM94,461. That\u2019s a total return of RM\n64,461.*\n*\n\u00a0\n\n\n**Return estimated for the sake of simplicity as past performance is no indication of future performance.\n\n\n\u00a0\n\n\nThat concludes part 1.\n\u00a0\n\u00a0\n\n\nStay tuned for the next part of Raiz-\nopaedia\n\u00a0easy learning\n!\n\u00a0\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/the-raiz-opaedia-of-financial-language-d-to-f/", "title": "The Raiz-opaedia of Financial Language (D to F)", "body": "The Raiz-opaedia of Financial Language (D to F)\n\n\n\u00a0\n\n\nHey guys!\u00a0We\u2019re\u00a0back with Raiz-opaedia\u00a0\u2013\u00a0now in part 2!\u00a0In part 1 (thanks to the\u00a0many readers!), we\u2019ve covered the alphabet A, B and C.\u00a0\n\u00a0\n\n\nLet\u2019s\u00a0continue\u00a0with\u00a0investment and financial words that start with D to F.\n\u00a0\n\n\n\n\n\u00a0\n\n\nPart 2 (D to F):\n\u00a0\n\n\nDividend\n\n\n\n\nWhen starting up, a company needs capital to run its business. The capital is given by investors and in return, the company gives the investor shares of the company. For this reason, the investor is also called a shareholder.\n\u00a0\n\n\nOver time, the performance of the company improves and makes profit, it gives back some of the profit, or dividend to the shareholders of the company.\n\u00a0\n\n\n\u00a0\n\n\nFBM KLCI\n\u00a0\n\n\nThe main stock market index on Bursa Malaysia. It tracks the performance of 30 largest companies by market capitalization listed on the Main Board of the Bursa Malaysia. The index provides a good overview of the overall market performance.\n\u00a0\n\n\n\u00a0\n\n\nFinTech\u00a0Startup\u00a0companies\n\u00a0\n\n\nFinancial + Technology = FinTech\n\n\nA young company that integrates innovative technology to deliver financial services products. For example; Raiz, Boost and Touch \u2018n Go.\n\u00a0\n\n\n\u00a0\n\n\nFiscal deficit\n\u00a0\n\n\nMoney out > Money\u00a0in\u00a0= Fiscal Deficit\u00a0\n\n\nNegative balances that arise whenever a government spends more money than it earns during the fiscal year. It is also the difference between a government\u2019s total revenue and total expenditure.\n\u00a0\n\n\n\u00a0\n\n\nFiscal Policy\n\n\n\n\nChanging the tax rate and level of government spending. Set by the Government.\n\u00a0\n\n\n\u00a0\n\n\nPart 2 ends.\u00a0\nHopefully, you will understand and feel more\u00a0confident\u00a0in\u00a0your investment journey.\n\u00a0\n\n\nStay tuned for part 3 of Raiz-opaedia easy learning soon!\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/the-raiz-opaedia-of-financial-language-g-to-i/", "title": "The Raiz-opaedia of financial language (G to I)", "body": "The Raiz-opaedia of financial language (G to I)\n\n\n\u00a0\n\n\nWe\u2019re here again for Raiz-opaedia! We group\u00a0this by parts\u00a0so\u00a0that\u00a0we can\u00a0slowly understand\u00a0each\u00a0investment and financial\u00a0term. In case you missed part 1 and part 2,\u00a0please refer to the links below:\n\u00a0\n\n\nPart 1:\u00a0\nThe Raiz-opaedia\u00a0of Financial Language (A to C)\n\u00a0\n\n\nPart 2:\u00a0\nThe Raiz-opaedia\u00a0of Financial Language (D to F)\n\u00a0\n\n\nEnough\u00a0with the\u00a0introduction\u00a0and\u00a0let\u2019s\u00a0get\u00a0started with\u00a0part 3!\n\n\n\n\n\u00a0\n\n\nPart 3 (G to I):\n\u00a0\n\n\nGross Domestic Product (GDP)\n\u00a0\n\n\nThe total value of everything generated within a country\u00a0during a specific\u00a0period of time. GDP growth rate is an important indicator of how a country\u2019s economy is performing.\n\u00a0\n\n\nLet\u2019s say you buy RM3\u00a0\nnasi\u00a0lemak\n\u00a0from a stall. The RM3\u00a0is\u00a0part of GDP. GDP measures the total value of goods and services within a country.\n\u00a0\n\n\nGDP = Consumption + Investment + Government\u00a0Spending\u00a0+ Net Exports\n\u00a0\n\n\nConsumption\n: Consumer spending such as the money you spend on RM3 \nnasi\u00a0lemak.\n\u00a0\n\n\nInvestment\n: Business\u00a0investment\u00a0is the total amount of spending by businesses on plant and equipment.\n\u00a0\n\n\nGovernment\u00a0Spending\n: Money spent on public goods and services like roads, healthcare and school.\n\u00a0\n\n\nNet Exports\n: Export minus import.\n\u00a0\n\n\nIf the country\u2019s economy is healthy, the GDP growth rate increases.\n\n\n\u00a0\n\n\nInflation\n\u00a0\n\n\nPut simply, inflation is a general rise in prices. If prices fall, this will result in negative inflation, or also known as deflation.\n\u00a0\n\n\nInflation can be caused by an increase in production and raw material cost.\u00a0A\u00a0rise in consumer demand and the government printing\u00a0more money\u00a0can also contribute to\u00a0a rise in inflation.\n\u00a0\n\n\nTo beat inflation,\u00a0you can grow your money through investment.\n\u00a0\n\n\n\u00a0\n\n\nInitial Public Offering (IPO)\u00a0\n\u00a0\n\n\nWhen a private company becomes public by selling its shares on a stock exchange.\u00a0\u00a0\n\u00a0\n\n\nWhen a\n\u00a0company goes from private to public,\u00a0its share can be bought publicly\u00a0from the stock market like Bursa Malaysia.\u00a0So, when you buy the shares, you are partly the owner!\n\u00a0\n\n\nMr DIY (established since 2005) was a private company until it went public by issuing its IPO in December 2020. It sold 941.5 million shares on Bursa Malaysia at RM1.60 per share, raising about RM1.5 billion, making it the largest IPO in Bursa since 2017.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/the-raiz-opaedia-of-financial-language-m-n/", "title": "The Raiz-opaedia of financial language (M & N)", "body": "The Raiz-opaedia of financial language (M & N)\n\n\n\u00a0\n\n\nWelcome again to\u00a0Raiz-opaedia! If you\u2019re new, this is the explanation of complicated investment and financial words that you might have heard somewhere.\n\u00a0\n\n\nIt\u2019s valuable to have knowledge as the foundation, while you get familiar with your investment journey\u00a0\u2013\u00a0that is full of emotion!\n\n\n\n\nIn case you want to revisit parts 1-3, here are the links:\u00a0\n\u00a0\n\n\n\n\n\n\n\n\nPart 1:\u00a0\nThe\u00a0Raiz-opaedia\u00a0of Financial Language (A to C)\n\u00a0\n\n\nPart 2:\u00a0\nThe\u00a0Raiz-opaedia\u00a0of Financial Language (D to F)\n \u00a0\n\n\nPart 3:\u00a0\nThe\u00a0Raiz-opaedia\u00a0of financial language (G to I)\n\u00a0\n\n\n\n\n\n\n\n\nReady? Let\u2019s continue for the next alphabets \u2013 M and N!\n\u00a0\n\n\n\u00a0\n\n\nMergers and Acquisitions (M&A)\n\u00a0\n\n\nWhen two or more separate entities combine forces.\u00a0Examples;\u00a0\n\u00a0\n\n\n\n\n\n\n\n\nCelcom Axiata\u00a0Bhd\u00a0+\u00a0Digi.Com\u00a0Bhd\u00a0= Celcom Digi\u00a0Bhd\u00a0\n\u00a0\n\n\nAmBank Group bought 100%\u00a0MBf\u00a0Cards\u00a0Sdn\u00a0Bhd\u00a0\n\u00a0\n\n\nSapuraCrest\u00a0Petroleum\u00a0Bhd\u00a0+\u00a0Kencana\u00a0Petroleum\u00a0Bhd\u00a0= SapuraKencana Petroleum\u00a0Bhd\n\u00a0\n\n\n\n\n\n\n\n\nThis could happen in many\u00a0ways;\n\u00a0\n\n\n\n\n\n\n\n\nSome are direct competitors like\u00a0Celcom\u00a0and\u00a0Digi.\n\u00a0\n\n\nA company and its supplier/customer along its supply chain.\n\n\n\n\n\n\n\n\nWhy did companies decide to merge? It could be to achieve higher growth and market share, diversification to reduce loss, and tax benefits.\u00a0\n\n\n\u00a0\n\n\nMonetary Policy\n\u00a0\n\n\nPolicy which the Central Bank control the interest rate and money supply to make sure the sustainability of economic growth.\n\u00a0\n\n\nAs you can see during this COVID-19 pandemic, Bank Negara has\u00a0lowered\u00a0the Overnight Policy Rate (OPR) to encourage more borrowing and spending. And vice versa.\n\u00a0\n\n\nThe goal is to keep the economy in the best condition \u2013 not too cold or hot, like your\u00a0\nteh\u00a0tarik\n.\n\n\n\u00a0\n\n\nNet Asset Value (NAV)\n\u00a0\n\n\nIt represents the price per unit of a fund, calculated on\u00a0each\u00a0business\u00a0day.\n\n\n\u00a0\n\n\nNet Worth\n\u00a0\n\n\nThe value of all your\u00a0\nassets\n\u00a0minus all your\u00a0\nliabilities\n, or simply your debts.\u00a0It helps you in understanding your current financial situation to better plan your financial goals. It provides a measure of your progress in accumulating financial wealth and the progress you\u2019re making toward paying off your debt.\n\u00a0\n\n\nAssets\n\u00a0\u2013 when you add up the value of everything you own (such as your house and the cash in your bank account).\n\u00a0\n\n\nExample:\u00a0\n\u00a0\n\n\n\n\n\n\n\n\nAli has RM10,200 in ASB.\n\u00a0\n\n\nAli has a house valued at RM360,000.\n\u00a0\n\n\nAli has a\u00a03-year old\u00a0Myvi\u00a0car, and if he were to sell it, he will get RM20,000.\n\u00a0\n\n\nSo, Ali\u2019s total assets are \nRM390,200\n.\n\u00a0\n\n\n\n\n\n\n\n\nLiabilities\n\u00a0\u2013 when you add up the value of all your debts (such as your house loan, car loan or credit card balances).\n\u00a0\n\n\nExample:\n\u00a0\n\n\n\n\n\n\n\n\nAli\u2019s house still has bank loan balance of RM200,000 to settle.\n\u00a0\n\n\nAli has a\u00a03-year old\u00a0Myvi\u00a0car that still has bank loan balance of RM34,000 to settle.\n\u00a0\n\n\nAli has RM2,000 credit card balance.\n\u00a0\n\n\nSo, Ali\u2019s total liabilities are \nRM236,000\n.\n\u00a0\n\n\n\n\n\n\n\n\nNet Worth = Assets \u2013 Liabilities.\n\u00a0\n\n\nSo, Ali\u2019s net worth is \nRM390,200\n \u2013 \nRM236,000\n = \n+RM154,200.\n\u00a0\n\n\nTheoretically, your net worth is the cash you would have if you were to sell everything you own and paid off all your debts. A negative net worth is an indication that you have more\u00a0debts\u00a0than your assets.\n\u00a0\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/the-raiz-philosophy-investing-small-amounts-regularly/", "title": "The Raiz Philosophy \u2013 INVESTING SMALL AMOUNTS REGULARLY", "body": "The Raiz Philosophy \u2013 INVESTING SMALL AMOUNTS REGULARLY\n\n\nKlik sini untuk Bahasa Melayu\n\n\nAt Raiz, our easy investment philosophy is to \nsave & invest small amounts regularly\n, regardless of market situation.\n\n\n\n\n\u00a0\n\n\nWhy?\n This will help you to ride the market\u2019s ups and downs in a smarter way. You would have purchased more shares when prices were low so it will be more rewarding for you when the market recovers (because eventually, over the long-term, the market will go up again!). This is a well-known investment strategy, known as \nRinggit Cost Averaging\n. \n\n\nAnd also, it helps you get away with \nemotional investing\n. This happened to us all \u2014 you know, when stock market goes down, you feel frustrated, so you sell all your investment at lower price instead of \u201cbuy low, sell high\u201d while it is actually the opportunity to buy more assets at a lower price!\n\n\n\u00a0\n\n\nRaiz helps you to automate these strategies \u2013 saving your spare change from your everyday purchase, easy setup of recurring investment daily / weekly / monthly. \n\n\nRaiz is about helping you save & invest more \u2013 managed to save 2% of your salary is better than earning 2% return. We don\u2019t promote ourselves as the best fund manager because we believe regular disciplined savings can help improve your financial position in the long run far quicker than choosing the best fund manager.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\n\nThe 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.\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/three-things-you-need-to-know-this-week-weekly-ended-04-04-2023/", "title": "THREE things you need to know this week (weekly ended 04/04/2023)", "body": "THREE things you need to know this week (weekly ended 04/04/2023)\n\n\nKlik sini untuk Bahasa Melayu\n\n\nSharing some Investing and Economic insights:\n\n\n\n\nTHREE things you need to know this week;\n\n\n\n\nOPEC+ surprises markets by cutting output target\n\n\n\n\nThe group announced that it is cutting its production target by a further 1.16 million barrels per day (bpd) from May until the end of the year, bringing the total volume of cuts to 3.66 million bpd.\n\n\nOil prices surged on Monday trading close to USD85 per barrel \u2013 about 6% increase from approximately USD80 per barrel last Friday.\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\nPhase 2 of Sumbangan Tunai Rahmah (STR) to be distributed starting 5 April\n\n\n\n\nThe payment, which involves a total sum of RM1.26 billion, will be credited into stages to 8.7 million beneficiaries from the B40 group with household income of less than RM2,500.\n\n\n4 million recipients from the household category will receive RM200, whereas 1.2 million senior citizens and 3.5 million singles will receive RM100.\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\nEPF members may apply for personal financing from banking institutions from 7 April\n\n\n\n\nEligible members who are aged 40 and above may apply using their Account 2 balance as a support for their loans to tide through difficult times. The maximum financing amount has been fixed at RM50,000 with a repayment tenure of up to 10 years.\n\n\nThis facility is targeted towards EPF members who have savings of at least RM3,000 in their Account 2, as they are \u201csupported with a reasonable income to ensure they can afford the financing and repay it without compromising their retirement income adequacy and security\u201d.\n\n\n\n\n\n\n\n\n\u00a0\n\n\nRaiz is about helping you save & invest more \u2013 being \nable to save 5% of your salary is better\n than earning 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).\n\n\n\u00a0\n\n\nDo you know?\n\n\nOPEC+\n\n\nOPEC+ is a group of 23 oil-exporting countries that meets regularly to decide how much crude oil to sell on the world market. Cumulatively, the group produces about 40% of all the world\u2019s crude oil.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/three-things-you-need-to-know-this-week-weekly-ended-11042023/", "title": "THREE things you need to know this week. (weekly ended 11/04/2023)", "body": "THREE things you need to know this week. (weekly ended 11/04/2023)\n\n\nKlik sini untuk Bahasa Melayu\n\n\nSharing some Investing and Economic insights:\n\n\n\n\nTHREE things you need to know this week;\n\n\n\n\nBursa Malaysia closed mixed yesterday\n, moving in a tight range and in tandem with regional peers like Japan\u2019s Nikkei, South Korea\u2019s Kospi, Singapore\u2019s Straits Times Index and China\u2019s SSE Composite Index. Dynamic changes in the market now are the new norm.\n\n\n\n\n\u00a0\n\n\n\n\nUnemployment rate in Malaysia improved\n to 3.5% in February 2023, with 591,900 unemployed people compared to 596,100 in January, in line with the current economic developments \u2013 DOSM.\n\n\n\n\n\u00a0\n\n\n\n\nUMW wins RM1 bil contract from Rolls-Royce\n.\n\n\n\nThis is its second contract from the British aerospace company to manufacture components of aircraft engine produced by Rolls-Royce.\n\n\nUMW share closed unchanged at RM3.82 yesterday, giving the group a market capitalisation of RM4.46 billion.\n\n\n\n\n\n\n\n\n\u00a0\n\n\nRaiz is about helping you save & invest more \u2013 being \nable to save 5% of your salary is better\n than earning 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).\n\n\n\u00a0\n\n\nDo you know?\n\n\nGold\u2019s all-time high was USD 2,075 in August 2020.\n\n\nSource: Refinitiv\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/three-things-you-need-to-know-this-week-weekly-ended-22-08-2023/", "title": "THREE things you need to know this week (weekly ended 22/08/2023)", "body": "THREE things you need to know this week (weekly ended 22/08/2023)\n\n\nKlik sini untuk Bahasa Melayu\n\n\nSharing some Investing and Economic insights:\n\n\n\n\nBursa Malaysia recorded a total of RM1.4bil in foreign investment flow just in July this year \nafter it recorded an outflow of foreign investment of RM4.2bil for the first half of 2023.\n\n\n\n\nMalaysian banking stocks see share prices rally as they would usually be the main beneficiaries of the renewed foreign interest.\n\n\n\n\n\u00a0\n\n\nSingapore\u2019s Goods and Services Tax (GST) will go up \nby 1% starting 1 Jan next year.\n\n\n\n\nThis is the second of a two-step increase, which will see the rate rise to 9% in 2024 from the current 8% in 2023 (and 7% in 2022).\n\n\n\n\n\u00a0\n\n\nNorway\u2019s sovereign wealth fund made a profit of about USD143 billion\n for the first half of the year, partly due to the growth of U.S tech companies and AI.\n\n\n\n\nThe USD1.4 trillion fund\u2019s holdings in tech companies jumped by nearly 39% in the period, with Apple, Microsoft and Nvidia are the stocks contributing the most, helping to drive the fund\u2019s 10% overall return.\n\n\n\n\n\u00a0\n\n\nRaiz is about helping you save & invest more \u2013 being \nable to save 5% of your salary every month is better\n than earning 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).\n\n\n\u00a0\n\n\nDo you know? MERDEKA edition\n\n\nRinggit\n\n\nDuring the time when the Portuguese ruled, people used Spanish silver dollars as money. These coins had rough edges, making them unique. The Malays at that time called them \u201cringgit,\u201d meaning \u201cjagged ones.\u201d\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/three-things-you-need-to-know-this-week/", "title": "THREE things you need to know \u2013 this week (weekly ended 08/11/2022).", "body": "THREE things you need to know \u2013 this week (weekly ended 08/11/2022).\n\n\nKlik sini untuk Bahasa Melayu\n\n\nSharing some Investing and Economic insights:\n\n\n\n\nTHREE things you need to know this week;\n\n\n1. Global inflation may be close to the high point of the current cycle \u2013 International Monetary Fund (IMF) Managing Director Kristalina Georgieva. This suggests that the surge in consumer price may enter the next cycle \u2014 down.\n\n\n2. Proton has recorded its highest sales volume of 115,366 units in the January to October 2022 period, exceeding 114,708 units sold for the whole of 2021, boosted by local market success and its export division.\n\n\n3.\u00a0Twitter fired more than 90% of its staff in India over the weekend \u2013 part of global reductions by new owner Elon Musk. Globally, it has reduced its headcount by about half or roughly 3,700 workers. Elon Musk has completed his acquisition of Twitter but said that he overpaid for the company. And now, he\u2019s finding ways to reduce expenditures at the social media giant.\n\n\n4. Raiz is about helping you save & invest more \u2013 being\n able to save 5% of your salary is better\n than earning 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).\n\n\n\u00a0\n\n\nDo you know?\n\n\nMamee started in Melaka in 1971, founded by Datuk Pang Chin Hin. Mamee now has more than 50 items ranging from instant noodles, Mamee Monster, Mister Potato and Double Decker.\n\n\nDatuk Pang Chin Hin has passed away on last week at the age of 96.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/tiga-perkara-yang-anda-perlu-tahu-minggu-ini-minggu-berakhir-04-04-2023/", "title": "TIGA perkara yang anda perlu tahu minggu ini (minggu berakhir 04/04/2023)", "body": "TIGA perkara yang anda perlu tahu minggu ini (minggu berakhir 04/04/2023)\n\n\nClick here for English\n\n\nKami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:\n\n\n\n\nTIGA perkara yang anda perlu tahu minggu ini;\n\n\n\n\nOPEC+ mengejutkan pasaran dengan potongan kuota bekalan\n\n\n\n\nKumpulan itu mengumumkan peningkatan dalam pemotongan kuota bekalan pengeluarannya sebanyak 1.16 juta tong sehari, bermula Mei hingga akhir tahun ini. Ini menjadikan jumlah keseluruhan pemotongan berjumlah 3.66 juta tong sehari.\n\n\nHarga minyak melonjak pada hari Isnin kepada USD85 setong, iaitu peningkatan sebanyak hampir 6% daripada hampir USD80 setong pada Jumaat lepas.\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\nBayaran Sumbangan Tunai Rahmah (STR) fasa 2 bermula 5 April\n\n\n\n\nBayaran STR yang melibatkan keseluruhan RM1.26 bilion itu akan disalurkan secara berperingkat kepada 8.7 juta penerima dari golongan B40.\n\n\nBagi kategori isi rumah, 4 juta penerima akan menerima bayaran RM200, manakala 1.2 juta warga emas dan 3.5 juta penerima bujang akan menerima RM100.\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\nAhli KWSP boleh memohon pembiayaan peribadi daripada institusi perbankan mulai 7 April\n\n\n\n\nAhli yang layak yang berumur 40 tahun ke atas boleh memohon menggunakan Akaun 2 sebagai sandaran untuk membayar balik pinjaman. Jumlah maksimum pembiayaan telah ditetapkan pada RM50,000 dengan tempoh bayaran balik sehingga 10 tahun.\n\n\nProgram ini disasarkan kepada ahli KWSP yang mempunyai simpanan sekurang-kurangnya RM3,000 dalam Akaun 2. Ini untuk memastikan mereka mempunyai pendapatan yang mencukupi untuk membayar balik simpanan tanpa menjejaskan jaminan pendapatan dan persaraan mereka.\n\n\n\n\n\n\n\n\n\u00a0\n\n\nRaiz membantu anda menyimpan & melabur \u2013 \nberjaya menyimpan 5% daripada gaji anda adalah lebih baik\n daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\u00a0\n\n\nAnda tahu?\n\n\nOPEC+\n\n\nOPEC+ adalah sekumpulan yang terdiri daripada 23 negara pengeksport minyak yang kerap berkumpul untuk memutuskan berapa banyak bekalan minyak mentah untuk dijual di pasaran dunia. Negara-negara ini menghasilkan lebih kurang 40% daripada semua minyak mintah di dunia.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/tiga-perkara-yang-anda-perlu-tahu-minggu-ini-minggu-berakhir-04-07-2023/", "title": "TIGA perkara yang anda perlu tahu minggu ini. (minggu berakhir 04/07/2023)", "body": "TIGA perkara yang anda perlu tahu minggu ini. (minggu berakhir 04/07/2023)\n\n\nClick here for English\n\n\nKami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:\n\n\nTIGA perkara yang anda perlu tahu minggu ini;\n\n\n\n\nAnda tahu Bursa Malaysia telah jatuh hampir -8% dari Januari tahun ini sebelum ditutup tinggi semalam sebanyak \n+1.4% (hanya dalam satu hari)\n?\n\n\n\n\n\u00a0\n\n\n\n\nKadar faedah naik lagi?\n Mungkin ye, mungkin tidak. Mesyuarat Jawatankuasa Dasar Monetari Bank Negara dijadualkan pada hari Rabu & Khamis ini. Kami percaya kadar itu akan dikekalkan. Mari kita berbelanja secara sederhana & menyimpan lebih banyak untuk menurunkan inflasi ini bersama-sama \ud83d\ude4c\ud83c\udffd.\n\n\n\n\n\u00a0\n\n\n\n\nRinggit\n. Apa yang berlaku?.. Ringgit kini diniagakan menghampiri paras terendah dalam tempoh tujuh bulan. BNM mengakui bahawa Ringgit terus terjejas oleh faktor luaran, tetapi asas kita masih kukuh untuk menyokong Ringgit pada masa hadapan. BNM walaubagaimanapun akan campur tangan dalam pasaran pertukaran asing untuk menghentikan pergerakan mata wang yang dianggap berlebihan. Kebanyakan bank meramalkan Ringgit akan naik menjelang akhir tahun ini.\n\n\n\n\n\u00a0\n\n\nRaiz membantu anda menyimpan & melabur \u2013 \nberjaya menyimpan 5% daripada gaji anda setiap bulan adalah lebih baik\n daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\u00a0\n\n\nAnda tahu?\n\n\n1997\n\n\nPada September 1997, Ringgit ditambat pada kadar tetap untuk memerangi kejatuhan berterusannya semasa Krisis Kewangan Asia. Bank Negara menambat ringgit pada RM3.8 kepada dolar Amerika.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/tiga-perkara-yang-anda-perlu-tahu-minggu-ini-minggu-berakhir-18072023/", "title": "TIGA perkara yang anda perlu tahu minggu ini (minggu berakhir 18/07/2023)", "body": "TIGA perkara yang anda perlu tahu minggu ini (minggu berakhir 18/07/2023)\n\n\nClick here for English\n\n\nKami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:\n\n\nTIGA perkara yang anda perlu tahu minggu ini;\n\n\n\u00a0\n\n\n\n\nAutomotive Hi-Tech Valley (AHTV).\n DRB-HICOM mengumumkan hasratnya untuk membangunkan projek AHTV di Kawasan Tanjung Malim dengan matlamat untuk menjadi hab industri bagi rantau ASEAN. DRB-HICOM dan rakan kongsinya dalam Proton, Geely, telah menandatangani perjanjian untuk mengesahkan fasa kerjasama seterusnya, dengan tumpuan untuk membangunkan bandar automotif bersepadu yang akan melahirkan hab bagi industri Kenderaan Tenaga Baharu (\u2018New Energy Vehicle\u2019 atau NEV).Dalam tempoh 10 tahun akan datang, projek AHTV dijangka menarik pelaburan bernilai kira-kira RM32 bilion. 2 syarikat dari negara China sedang mempertimbangkan untuk melabur dalam projek AHTV tersebut.\n\n\n\n\n\u00a0\n\n\n\n\nTesla.\n Awal bulan ini, Tesla mengumumkan bahawa model keretanya akan mula dijual di Malaysia akhir Julai tahun ini selepas permohonan untuk mengimport kenderaan diluluskan oleh pihak berkuasa. Dalam pertemuan baru-baru ini antara Elon Musk dan PM Anwar Ibrahim, dilaporkan bahawa Elon Musk telah bersetuju untuk membuat pelaburan di Malaysia, termasuk menubuhkan ibu pejabat Tesla di Malaysia yang akan berlokasi di Cyberjaya pada akhir tahun ini.\n\n\n\n\n\u00a0\n\n\n\n\nBank digital.\n Harga saham AEON Credit Service (M) Bhd mencecah paras tertinggi sejak Mei lalu berikutan pembentukan usaha samanya dengan AEON Financial Service Co Ltd yang disenaraikan di Tokyo. Syarikat-syarikat itu akan menjalankan perniagaan perbankan Islam digital yang akan dilaksanakan melalui ACS Digital Berhad (ACSD), yang bersedia untuk dilesenkan sebagai bank Islam digital di bawah Akta Perkhidmatan Kewangan Islam 2013 (IFSA).Semalam (Isnin, 17 Julai 2023), kaunter ditutup 3.17% lebih tinggi pada RM11.70, meletakkan nilai syarikat pada RM2.99 bilion. ACSD dijangka memulakan perniagaan perbankan Islam digitalnya pada April 2024.\n\n\n\n\n\u00a0\n\n\nRaiz membantu anda menyimpan & melabur \u2013 \nberjaya menyimpan 5% daripada gaji anda setiap bulan adalah lebih baik\n daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\u00a0\n\n\nAnda tahu?\n\n\nNegara China kekal sebagai \nrakan dagang terbesar Malaysia\n selama 14 tahun berturut-turut, dengan\n jumlah perdagangan sebanyak RM487.13\n bilion dicatatkan pada 2022. Ianya adalah peningkatan sebanyak 15.6% daripada tahun sebelumnya.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/tiga-perkara-yang-anda-perlu-tahu-minggu-ini-minggu-berakhir-22-08-2023/", "title": "TIGA perkara yang anda perlu tahu minggu ini (minggu berakhir 22/08/2023)", "body": "TIGA perkara yang anda perlu tahu minggu ini (minggu berakhir 22/08/2023)\n\n\nClick here for English\n\n\nKami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:\n\n\n\n\nBursa Malaysia mencatatkan sejumlah RM1.4 bilion dalam aliran masuk pelaburan asing pada Julai tahun ini\n selepas ia mencatatkan aliran keluar pelaburan asing sebanyak RM4.2 bilion bagi separuh pertama 2023.\n\n\n\n\nSaham perbankan Malaysia dapat dilihat mengalami kenaikan harga saham kerana mereka biasanya akan menjadi yang pertama menerima manfaat kesan daripada kemasukan pelaburan asing.\n\n\n\n\n\u00a0\n\n\nCukai Barangan dan Perkhidmatan (GST) Singapura akan naik\n sebanyak 1% mulai 1 Jan tahun depan.\n\n\n\n\nIni adalah yang kedua daripada kenaikan dua-langkah, yang akan menyaksikan kenaikan kadar kepada 9% pada tahun 2024 daripada 8% semasa tahun 2023 (dan 7% pada tahun 2022).\n\n\n\n\n\u00a0\n\n\nDana Kekayaan Berdaulat (atau Sovereign Wealth Fund) Norway memperoleh keuntungan kira-kira USD143 bilion\n untuk separuh pertama tahun ini \u2013 sebahagiannya disebabkan oleh pertumbuhan syarikat teknologi AS dan pembangunan AI.\n\n\n\n\nPegangannya sebanyak USD1.4 trilion dalam syarikat teknologi melonjak hampir 39% dalam tempoh tersebut, dengan Apple, Microsoft dan Nvidia adalah saham yang paling banyak menyumbang dan membantu memacu pulangan keseluruhan 10% dana tersebut.\n\n\n\n\n\u00a0\n\n\nRaiz membantu anda menyimpan & melabur \u2013 berjaya menyimpan 5% daripada gaji anda setiap bulan adalah lebih baik daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\u00a0\n\n\nAnda tahu? Edisi MERDEKA\n\n\nRinggit\n\n\nPada zaman penjajahan Portugis dahulu, jenis wang yang banyak diedarkan adalah dolar perak Sepanyol. Tepi yang berlekuk-lekuk dan tidak sekata dari syiling tersebut adalah ciri khas wang ini, oleh itu orang Melayu pada masa itu merujuk kepada mereka sebagai \u201cringgit\u201d, yang bermaksud \u201cyang berlekuk-lekuk\u201d. Sekarang perkataan itu secara eksklusif digunakan untuk merujuk kepada mata wang Malaysia.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/tiga-perkara-yang-anda-perlu-tahu-minggu-ini/", "title": "TIGA perkara yang anda perlu tahu minggu ini. (minggu berakhir 11/4/2023)", "body": "TIGA perkara yang anda perlu tahu minggu ini. (minggu berakhir 11/4/2023)\n\n\nClick here for English\n\n\nKami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:\n\n\n\n\nTIGA perkara yang anda perlu tahu minggu ini;\n\n\n\n\nBursa Malaysia ditutup bercampur-campur semalam\n, bergerak dalam julat yang kecil, seiring dengan bursa serantau seperti Nikkei Jepun, Kospi Korea Selatan, Indeks Straits Times Singapura dan Indeks Komposit SSE China. Perubahan dinamik dalam pasaran ini, kini menjadi norma baharu.\n\n\n\n\n\u00a0\n\n\n\n\nKadar pengangguran di Malaysia bertambah baik\n kepada 3.5% pada Februari 2023 dengan 591,900 orang menganggur berbanding 596,100 orang pada Januari, sejajar dengan perkembangan ekonomi semasa \u2013 DOSM.\n\n\n\n\n\u00a0\n\n\n\n\nUMW menang kontrak RM1 bilion daripada Rolls-Royce\n.\n\n\n\nIni adalah kontrak kedua daripada syarikat aeroangkasa Britain itu untuk mengeluarkan komponen enjin pesawat yang dihasilkan oleh Rolls-Royce.\n\n\nSaham UMW ditutup tidak berubah pada RM3.82 semalam, memberikan kumpulan itu nilai pasaran sebanyak RM4.46 bilion.\n\n\n\n\n\n\n\n\n\u00a0\n\n\nRaiz membantu anda menyimpan & melabur \u2013 \nberjaya menyimpan 5% daripada gaji anda adalah lebih baik\n daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\u00a0\n\n\nAnda tahu?\n\n\nEmas pernah mencecah harga tertinggi sebanyak USD 2,075 pada Ogos 2020.\n\n\nSumber: Refinitiv\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/timing-the-market-vs-time-in-the-market/", "title": "Timing the Market vs Time in the Market", "body": "Timing the Market vs Time in the Market\n\n\n\u00a0\n\n\nYou may or may not have heard the saying, \u201cIt\u2019s not about \ntiming the market\n, but \ntime in the market\n.\u201d But what exactly does this mean?\n\n\n\n\nSome investors may tend to place a short-term focus on how their investments are performing. They\u2019ll frequently track how their investments are going, get excited when it goes up, and then, if it falls, they\u2019ll become carried away with emotion and stressed by the short-term loss.\n\n\nBut what about the long-term picture? Over time stocks tend to go through periods of growth and decline \u2013 this is normal. Therefore, selling off stocks after a short period of decline, rather than focusing on the long-term goal can be a strategy that doesn\u2019t add value, given it is likely that shares will likely rise in a longer run.\n\n\nJust as hard as it is to predict the downturns, it is also hard to predict when stocks will turn around and rally. This is known as \ntiming the market\n \u2013 picking the tops and bottoms.\n\n\nA more long-term strategy is to utilise the advantages of \ntime in the market\n \u2013 that is, the longer you are in the market, the more likely you are to see a healthier return.\n\n\n\u00a0\n\n\nThe first step is to have the right portfolio for you\n. If you are likely to withdraw your money when the market declines, you should probably be in Moderate or Conservative portfolio. This way, a stock market decline should have a less emotional impact on you, and you will be more likely to remain disciplined with your strategy when markets decline.\n\n\nIf your savings goal is short-term (less than three years) a Conservative portfolio is also probably best.\n\n\nThe Aggressive portfolio is for those with long-term saving goals and the ability to remain calm and disciplined during market downturns.\n\n\nHaving the right portfolio is an important step in avoiding the emotional traps that can cause you to make foolish decisions.\n\n\n\u00a0\n\n\nThe second step is to have a discipline\n. At Raiz, our philosophy is to invest small amounts regularly, regardless of market situation. Because this will help you to manage market uncertainty. This is a well-known investment strategy, known as \nRinggit Cost Averaging\n.\n\n\nRaiz automates this strategy and you can make it practical by setting up the \nrecurring investment\n feature. By automating the process, your investing strategy can also be protected against those short-term emotions.\n\n\nAnother benefit of staying long term in the market is from \ncompounding\n. This is when an investments\u2019 dividend are being reinvested \u2013 and generating additional dividend over time. Reinvesting dividends into buying more shares can increase returns due to the power of compounding. So, the longer you spend in the market, the more dividends you are likely to receive, which are reinvested into more and more shares over time.\n\n\nIt is not easy when it is your money. We all experience the emotional highs and lows that come with investing. However, by maintaining a disciplined, automated approach, and having the right portfolio, you can avoid short term stress and take advantage of Ringgit Cost Averaging and compound returns over time.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/tomayto-tomahto-minggu-berakhir-11/07/2023/", "title": "Tomayto, tomahto? \ud83c\udf45 (minggu berakhir 11/07/2023)", "body": "Tomayto, tomahto? \ud83c\udf45 (minggu berakhir 11/07/2023)\n\n\nClick here for English\n\n\nKami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:\n\n\nKrisis tomato di India.\n\n\nHarga tomato telah melonjak lebih daripada 400% dalam beberapa minggu lalu ketika negara itu menghadapi kekurangan bekalan di seluruh negara kerana cuaca yang tidak menentu.\n\n\nIa kini lebih mahal daripada petrol. Di New Delhi minggu lepas, harganya ialah 120 Rupee India (AS$1.45 atau RM6.67) sekilogram, berbanding 96 rupee se-liter petrol \u2013 menjadikan tomato semakin susah untuk dibeli oleh purata isi rumah berpendapatan rendah yang biasa membayar 20 rupee sekilo.\n\n\nTomato dan bawang begitu \u201cberemosi\u201d di negara paling ramai penduduk di dunia itu sehingga lonjakan harga boleh mencetuskan protes. Beberapa parti politik pemerintah di India kalah dalam pilihan raya kerana mereka gagal mengawal harga bawang, yang bersama dengan tomato adalah elemen penting dalam hidangan utama.\n\n\nDi cawangan McDonald\u2019s di seluruh India utara, timur dan selatan, notis telah diletak untuk mengatakan bahawa tomato tidak lagi akan dihidangkan bersama burger buat sementara waktu.\n\n\nPeniaga memberi amaran harga boleh mencecah paras tertinggi 200 rupee sekilo dalam beberapa hari akan datang dan ia mungkin mengambil masa sehingga tiga bulan untuk harga kembali normal.\n\n\nInflasi makanan di India mungkin meningkat kepada 4% tahun ke tahun pada bulan Jun, kata Ahli Ekonomi Bloomberg Abhishek Gupta dalam satu laporan.\n\n\nItulah kuasa tomato.\n\n\n\u00a0\n\n\nRaiz membantu anda menyimpan & melabur \u2013 \nberjaya menyimpan 5% daripada gaji anda setiap bulan adalah lebih baik\n daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\u00a0\n\n\nAnda tahu?\n\n\nApabila anda \u201cmelabur\u201d, anda sebenarnya \nmembeli\n unit-unit saham. Harga seunit bergerak naik dan turun mengikut pergerakan pasaran saham semasa.\n\n\nApabila anda membuat \u201cpengeluaran\u201d, anda sebenarnya \nmenjual\n unit-unit anda.\n\n\nBeli rendah, jual tinggi \u2013 begitulah anda membuat keuntungan!\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/tomayto-tomahto-weekly-ended-11/07/2023/", "title": "Tomayto, tomahto? \ud83c\udf45 (weekly ended 11/07/2023)", "body": "Tomayto, tomahto? \ud83c\udf45 (weekly ended 11/07/2023)\n\n\nKlik sini untuk Bahasa Melayu\n\n\nSharing some Investing and Economic insights:\n\n\nTomato crisis in India.\n\n\nPrices of tomatoes have soared by more than 400% in recent weeks as the country is facing a nationwide shortage due to irregular weather.\n\n\nIt is now more expensive than petrol. In New Delhi last week, tomatoes were 120 Indian Rupees (US$1.45 or RM6.67) per kg, compared with 96 rupees per litre of petrol \u2013 making them largely unaffordable for an average low-income household who used to pay 20 rupees per kilo.\n\n\nTomatoes and onions are so emotive in the world\u2019s most-populous nation that a surge in prices can trigger protests. Some ruling political parties in India lost elections because they fail to control the price of onions, which along with tomatoes are an essential element of mainstay dishes.\n\n\nIn branches of McDonald\u2019s across north, east and south India, notices were put up to say that tomatoes would no longer be put in burgers temporarily.\n\n\nTraders have warned prices could hit record highs of 200 rupees per kilo in the next few days and that it could take up to three months for prices to normalise.\n\n\nFood inflation in India probably increased to 4% year-on-year in June, Bloomberg Economist Abhishek Gupta said in a report.\n\n\nThat\u2019s the power of tomato.\n\n\n\u00a0\n\n\nRaiz is about helping you save & invest more \u2013 being \nable to save 5% of your salary every month is better\n than earning 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).\n\n\n\u00a0\n\n\nDo you know?\n\n\nWhen you \u201cinvest\u201d, you buy units of stock. The price per unit moves up and down according to the current stock market movement.\n\n\nWhen you make a \u201cwithdrawal\u201d, you\u2019re selling your units.\n\n\nBuy low, sell high \u2013 that\u2019s how you make a profit!\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/tumpuan-kepada-bursa-malaysia-minggu-berakhir-11-10-2022/", "title": "Tumpuan kepada Bursa Malaysia \ud83d\udc40 (minggu berakhir 11/10/2022)", "body": "Tumpuan kepada Bursa Malaysia \ud83d\udc40 (minggu berakhir 11/10/2022)\n\n\nClick here for English\n\n\nKami berkongsi beberapa maklumat tentang Pelaburan dan Ekonomi:\n\n\n\n\n\n\nDengan pembubaran Parlimen secara rasmi, ini membuka jalan kepada Pilihan Raya Umum ke-15 (PRU15) yang dinanti-nantikan. Semua mata kini tertumpu kepada Bursa Malaysia.\n\n\n\nSesetengah penganalisis menjangkakan reaksi negatif daripada pasaran dalam jangka pendek \u2013 mungkin minggu ini \u2013 tetapi berkata pembubaran Parlimen semalam adalah baik untuk menghapuskan ketidaktentuan politik yang dialami pelabur.\n\n\nWalaupun ketidaktentuan politik ini boleh berterusan sekurang-kurangnya sehingga pilihan raya selesai, ini mungkin peluang untuk melihat saham yang dinilai rendah dalam sektor seperti pembinaan, minyak & gas, perladangan, hartanah dan pengangkutan.\n\n\n\n\n\n\n\n\n\n\nKetegangan geopolitik memburukkan lagi ketidakpastian pasaran ketika pelabur menunggu untuk melihat bagaimana Rusia bakal bertindak balas terhadap letupan yang melanda satu-satunya jambatan dari Rusia ke Crimea di selatan Ukraine.\n\n\n\nRusia telah menggunakan jambatan itu untuk mengangkut peralatan ketenteraan dan orang dari Rusia ke medan perang di selatan Ukraine.\n\n\n\n\n\n\n\n\n\n\nRaiz membantu anda menyimpan & melabur \u2013 berjaya menyimpan 5% daripada gaji anda adalah lebih baik daripada memperoleh pulangan 5%. Mempunyai disiplin menabung secara konsisten adalah lebih baik dalam membantu meningkatkan kedudukan kewangan anda (daripada kesibukan memilih pengurus dana yang terbaik).\n\n\n\n\n\u00a0\n\n\nAnda tahu?\n\n\nAS adalah pengguna terbesar\u00a0 minyak & gas. Ke-2 ialah China.\n\n\nArab Saudi adalah pengeksport terbesar minyak & gas.\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n\n\u00a0\n\n\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/understanding-your-net-worth/", "title": "Understanding Your Net Worth", "body": "Understanding Your Net Worth\n\n\nHave you ever calculated your current financial position? Where is the best place to start? A common way to understand this is by estimating your net worth.\n\n\n\n\n\n\n\u00a0\n\n\nWhat is Net Worth?\n\n\nYour net worth is an indication on how well off you are financially. If your assets (things you own) are worth more than your liabilities (things you owe), your net worth is positive, which means you have more than you owe. This is generally considered a good thing. However, if your liabilities are higher than your assets, your net worth is negative, indicating that you owe more than you own.\n\n\n\u00a0\n\n\nWhy is your Net Worth important?\n\n\nYour net worth helps you in understanding your \ncurrent financial situation \nto better plan your finances. It provides a measure of your progress in accumulating financial wealth and the progress you\u2019re making toward paying off your debt.\n\n\nBy understanding your net worth, you can get a bigger picture of making better financial decisions, tracking your progress, and working towards building long-term wealth and financial security.\n\n\n\u00a0\n\n\nHow to calculate your net worth?\n\n\nYour net worth is a total of all \nyour assets minus your liabilities. \nIn the below, we will use an example to calculate Ali\u2019s net worth. Firstly, we will take a look at Ali\u2019s assets.\n\n\nAssets\n \u2013 when you add up the value of everything you \nown\n (such as your house and the cash in your bank account).\n\n\nExample:\n\n\n\n\nAli has RM10,200 cash in ASB.\n\n\nAli has a house valued at RM360,000.\n\n\nAli has a 3-year old Myvi car, and if he were to sell it now, he will get RM20,000.\n\n\nSo, Ali\u2019s total assets are RM390,200.\n\n\n\n\nNext, we will look at Ali\u2019s liabilities.\n\n\nLiabilities\n \u2013 when you add up the value of all your \ndebts\n (such as your house loan, car loan or credit card balances).\n\n\nExample:\n\n\n\n\nAli\u2019s house still has bank loan balance of RM200,000 to settle.\n\n\nAli has a 3-year old Myvi car that still has bank loan balance of RM34,000 to settle.\n\n\nAli has RM2,000 credit card balance.\n\n\nSo, Ali\u2019s total liabilities are RM236,000.\n\n\n\n\n\u00a0\n\n\nNet Worth = Assets \u2013 Liabilities.\n\n\nSo, Ali\u2019s \nnet worth \nis RM390,200 \u2013 RM236,000 = \n+RM154,200\n.\n\n\nTheoretically, your net worth is the cash you would have if you were to sell everything you own and paid off all your debts. A negative net worth is an indication that you have more debts than your assets.\n\n\nIn summary, calculating your net worth is essential because it provides a comprehensive snapshot of your financial standing. By assessing your assets and liabilities, net worth enables you to set meaningful financial goals and make informed decisions about saving, investing, and borrowing. Like market conditions, your net worth will change throughout your life so it\u2019s important to keep track and reassess if you are still working towards your saving goals.\n\n\n\u00a0\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/understanding-your-raiz-statements/", "title": "Understanding your Raiz Statements", "body": "Understanding your Raiz Statements\n\n\nKlik sini untuk Bahasa Melayu\n\n\n10-02-2021\n\n\nWith Raiz, you can easily access and download PDFs of your statements.\n\u00a0\n\n\n\n\nRaiz automatically provides you with monthly account statements as PDF statements. To access these, go to My Settings > Statements.\n\u00a0\n\n\nFrom the Statements screen, you can choose which month you want to download.\n\u00a0\n\n\n\u00a0\n\n\nWhat\u2019s on your statement?\n\u00a0\n\n\nYour monthly statement provides a summary of\u00a0\nhow\n\u00a0\nyour account did in the period.\n\u00a0\n\n\nAt a glance, it shows your opening balance, deposits, withdrawals, dividends, fees and change in account value for the month. Next, you will see all your buy and sell orders for the month, ordered from the start to the end of the period. Towards the end of the statement, you can also find the summary of gain and losses.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}
{"url": "https://raiz.com.my/blog/urus-duit-gaji-dengan-lebih-baik/", "title": "Urus Duit Gaji dengan Lebih Baik", "body": "Urus Duit Gaji dengan Lebih Baik\n\n\nClick here for English\n\n\n\u00a0\n\n\nHari gaji! Senyum lebar semua apabila dapat notifikasi beritahu duit gaji dah masuk.\n\n\nMalang sekali senyuman itu tidak lama apabila anda perlu membayar bil-bil, perbelanjaan rumah, yuran sekolah anak dan sebagainya. Sehinggakan duit seakan tidak cukup apabila sudah tengah bulan. Masa itu la mee Maggi muncul di ingatan.\n\n\n\n\nPersoalannya, bagaimana nak urus duit gaji itu secara lebih sistematik supaya duit yang ada dapat memenuhi semua perbelanjaan dan dapat hidup dengan tenang?\n\n\nAntara panduan yang boleh digunakan ramai ialah \nPeraturan 50/30/20\n dikelaskan kepada tiga:\n\n\n\n\nKeperluan (50%)\n\n\nKehendak (30%)\n\n\nSimpanan & Pelaburan (20%)\n\n\n\n\nNamun pecahan peratusan ini boleh diubah mengikut kesesuaian hidup anda secara keseluruhan.\n\n\n\u00a0\n\n\nKeperluan\n\n\nIni bahagian yang paling perlu diutamakan kerana melibatkan kelangsungan hidup anda seperti rumah, makanan, pengangkutan, ubat-ubatan dan bil utiliti. Apabila sudah dapat duit gaji, adalah lebih baik jika boleh terus selesaikan bayaran wajib setiap bulan ini. Tetapkan bayaran secara automatik supaya anda tidak terlupa.\n\n\nUntuk perbelanjaan makanan dan barang rumah, kini lebih mudah untuk anda menilai sendiri harganya. Contohnya, beli barang online secara pukal biasanya lebih murah daripada beli satu-satu dan masak sendiri biasanya lebih murah daripada beli makanan di kedai.\n\n\nMudah mudahanan selesai bahagian keperluan ini, hati akan lebih tenang.\n\n\n\u00a0\n\n\nKehendak\n\n\nBahagian ini pula melibatkan sesuatu yang anda suka berbelanja tetapi bukan untuk kelangsungan hidup seperti melancong, beli bag tangan ke-3 dan langsir rumah untuk Hari Raya. Kebiasaanya untuk keseronokan setelah penat bekerja. Nak reward diri la katakan.\n\n\nJika anda tidak punyai banyak duit untuk bahagian ini, anda boleh menyimpan sikit-sikit setiap bulan untuk dapatkan apa yang anda hajati itu. Untuk ini, Raiz boleh bantu anda melalui fungsi Target Simpanan. Anda hanya set target berapa simpanan bulanan, seterusnya lihat ia berfungsi untuk capai target anda!\n\n\nContohnya, anda memerlukan RM500 untuk bercuti bersama keluarga. Anda boleh set RM100 / bulan dan akan capai target simpanan dalam masa 5 bulan.\n\n\n\u00a0\n\n\nSimpanan & Pelaburan\n\n\nBahagian ini juga penting tetapi sering dilupakan. Duit diperlukan untuk kelangsungan hidup, bukan hanya sekarang tetapi juga untuk masa depan. \nPandemik Covid-19 telah memberikan kesedaran kepada kita bahawa pentingnya tabung kecemasan.\n Supaya anda ada kusyen keselamatan kewangan pada masa hadapan.\n\n\nDengan Raiz, anda boleh membuat Auto-labur dengan set pelaburan berkala. Dari skrin utama, klik Labur > Auto-labur. Hanya pilih jumlah dan kekerapan (setiap hari, mingguan atau bulanan), siap!\n\n\n\u00a0\n\n\n\n\nMaklumat\u00a0\nPenting\n\u00a0\n\n\nMaklumat di laman web ini adalah nasihat umum sahaja. Ini bermakna ia tidak mempertimbangkan objektif pelaburan, keadaan kewangan atau keperluan pelaburan seseorang.\n\n\nSekiranya 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.\n\n\nMaklumat 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.\n\n\nDalam 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.\n\n\nIklan ini tidak disemak oleh Suruhanjaya Sekuriti Malaysia (SC).\n\n"}
{"url": "https://raiz.com.my/blog/want-to-save-money-here-are-4-easy-tips/", "title": "Want to Save Money? Here are 4 Easy Tips", "body": "Want to Save Money? Here are 4 Easy Tips\n\n\n\u00a0\n\n\nSaving can be tough in this current environment, but that doesn\u2019t mean you should give up on building a financial back up for you and your loved ones.\n\n\nWhile growing your savings surely takes a large effort, there are some simple ways to start on the path to financial security.\n\n\n\n\n\u00a0\n\n\n1. Get on top of your budget\n\n\nThere\u2019s little chance you\u2019ll be able to save much money if you\u2019re not keeping good track of your cash. Therefore, it\u2019s important to create a budget \u2014 and stick to it.\n\n\nWhen it comes getting your budget started, kick things off by looking at your income and expenses. Once you\u2019ve established your income \u2014your salary and other types of money gains \u2014 figure out what you\u2019re spending that money on. This includes fixed costs like rent and food as well as optional spends such as entertainment and non-essential shopping.\n\n\n\u00a0\n\n\n2. Cut your expenses where you can\n\n\nThere\u2019s no point in just knowing where you\u2019re spending your money \u2013 that\u2019s only half the battle. The key is cutting spending so you can allocate more money to your savings. Although depending on your situation during the current economic environment, it may be a much harder time than usual to do this.\n\n\nSome common strategies include seeking out better deals on your regular payments \u2014 things like phone bills. It could also pay off to switch to cheaper brands of clothing and food or cut down on under-utilised subscription services like Netflix.\n\n\n\u00a0\n\n\n3. What about investing?\n\n\nThe Raiz Philosophy is to invest small amounts regularly, even in falling markets as this can help you to ride out the downturns in the market and is one of the keys to having a healthier balance over the long run. This principle is known as \nRinggit Cost Averaging\n.\n\n\nCompounding happens when you let the returns on an investment build up so that you are earning a return on your return. Given enough time to work its magic, it provides the potential to reach a stage in your life where your money is working hard enough to provide a substantial part of your income.\n\n\n\u00a0\n\n\n4. Build an emergency fund\n\n\nBuilding your savings should be about achieving your financial goals, but don\u2019t forget to also prepare for when times get tough \u2013 the current coronavirus pandemic for example. This is where an emergency fund can be super helpful. Click \nhere\n to learn about the 3 steps to build up your emergency fund.\n\n\nDepending on your situation, you may need to build a big emergency fund or one that just needs to get you through a few weeks without a regular income.\n\n\n\u00a0\n\n\nWhatever you may need money for down the track, it makes sense to prepare for a financial back up in order to soften the unexpected bumps along the road.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/weak-ringgit-has-its-strengths-weekly-ended-18-10-2022/", "title": "Weak ringgit has its strengths (weekly ended 18/10/2022)", "body": "Weak ringgit has its strengths (weekly ended 18/10/2022)\n\n\nKlik sini untuk Bahasa Melayu\n\n\nSharing some Investing and Economic insights:\n\n\n\n\n\n\nRinggit continued its downtrend to close lower against the US dollar today, nearing the all-time low of 4.725 (1 USD = RM4.725) recorded in 7 Jan 1998 as influenced by the strong US dollar.\n\n\n\nWhen the Ringgit falls, it has different impact to different sector. A weaker Ringgit against the currencies of our trading countries would typically result in \nmore expensive imports\n for Malaysians, and \ncheaper exports\n to foreign countries.\n\n\nThe glove and plantation sectors are seen as the winners when the local currency depreciates as demand from abroad increases.\n\n\n\n\n\n\n\n\n\n\nSunview Group Bhd made its debut on Bursa Malaysia yesterday at 59.5sen, a 105.1% premium to its initial public offering (IPO) price of 29sen.\n\n\n\nThe clean energy service provider\u2019s listing exercise successfully raised RM34.22mil via the issuance of 118 million new shares (118,000,000 shares x 29sen = RM34.22mil).\n\n\n\n\n\n\n\n\n\n\nThe Securities Commission Malaysia (SC) plans to allow the wholesale fund market to gain exposure to alternative assets, such as digital assets.\n\n\n\nWholesale fund is a unit trust scheme generally purchased by sophisticated investors, for example high-net worth individuals and companies.\n\n\n\n\n\n\n\n\n\n\nRaiz is about helping you save & invest more \u2013 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).\n\n\n\n\n\u00a0\n\n\nDo you know?\n\n\n47% Malaysians find it hard to prepare RM1,000 as an emergency fund!\n\n\nSource: Bank Negara\u2019s Financial Stability Review \u2013 First Half 2022\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/weekly-ended-07-03-2023/", "title": "THREE things you need to know this week (weekly ended 07/03/2023).", "body": "THREE things you need to know this week (weekly ended 07/03/2023).\n\n\nKlik sini untuk Bahasa Melayu\n\n\nSharing some Investing and Economic insights:\n\n\n\n\n\u00a0\n\n\nTHREE things you need to know this week;\n\n\n\n\n\n\n\n\nBank Negara is expected to keep the interest rates unchanged.\n Bank Negara\u2019s this Thursday monetary policy committee meeting is among the key events this week.\n\n\nTwo industry giants, Tesla and Amazon Web Services (AWS) will invest in Malaysia.\n\n\n\n\nTesla will open showrooms, services centres and establish a network of charging stations. This will create skilled jobs and increase participation of local companies in the electric vehicle ecosystem.\n\n\nAWS would be launching a new infrastructure region in Malaysia, confirming that it intends to invest at least RM25.5bil by 2037.\n\n\n\n\n\n\nL\nembaga Tabung Angkatan Tentera (LTAT) \nto take Boustead Holdings Bhd private\n. LTAT has made a voluntary takeover offer for the remaining 40.58% shares it doesn\u2019t yet own in Boustead. Based on the number of shares \u2013 822.51 million, or 40.58% of Boustead \u2013 LTAT is expected to fork out RM703.25 million for the purchase.\n\n\n\nBoustead owns 52% of Pharmaniaga Bhd and 64.99% of Boustead Heavy Industrial Corp Bhd. On top of that, it also owns 57.42% of Boustead Plantation Bhd and 20.93% of Affin Bank Bhd.\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nRaiz is about helping you save & invest more \u2013 being\n able to save 5% of your salary is better\n than earning 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).\n\n\n\u00a0\n\n\nDo you know?\n\n\nWhat it means to take a company, Private?\n\n\nIt means that a large company purchases all the remaining stocks (on the stock exchange) of a company. The company that goes private is no longer traded on a public stock exchange.\n\n\nExample:\n\n\nLTAT currently owns 59.42% of Boustead. The remaining 40.58% shares are traded on the Bursa Malaysia (so the public can buy/sell). LTAT now wants to buy all 40.58% shares of Boustead on Bursa Malaysia so it will own 100%.\n\n\nBoustead will then be a private company (and no longer a public company).\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/weekly-ended-21-03-2023/", "title": "The most historic marriage you need to know this week. (weekly ended 21/03/2023).", "body": "The most historic marriage you need to know this week. (weekly ended 21/03/2023).\n\n\nKlik sini untuk Bahasa Melayu\n\n\nSharing some Investing and Economic insights:\n\n\n\n\n\u00a0\n\n\nWhat a week it has been.\n\n\nThe most historic banking marriage since 2008\n between Switzerland\u2019s two big banks. UBS agreed to take over its long-time rival Credit Suisse for USD 3.2 billion \u2013 marking the biggest banking deal in years.\n\n\np/s from as much as USD 96 billion to just USD 3 billion, this means that UBS got a whopping discount!\n\n\nRegulators were eager to halt a dangerous decline in confidence in the global banking system\n. Swiss authorities had to change the country\u2019s laws as they rushed to finalize the deal. The Swiss government will also provide more than USD 9 billion to support losses that UBS may incur by the takeover. The Swiss National Bank also provided more than USD 100 billion of liquidity to UBS to help facilitate the deal.\n\n\nThe speedy orchestration of this \u201cforced marriage\u201d engineered by the Swiss authorities just shows how bad the situation is.\n\n\nHowever, \nstocks rallied yesterday\n (after huge drop last week) as investors breathed a sigh of relief that a historic weekend rescue of the financial heavyweight has potentially stopped the banking crisis contagion \u2013 for now.\n\n\n\u00a0\n\n\nRaiz is about helping you save & invest more \u2013 being\n able to save 5% of your salary is better\n than earning 5% return. Having a disciplined savings habit can help improve your financial position quicker (than spending time choosing the best fund manager).\n\n\n\u00a0\n\n\nDo you know?\n\n\nBiggest bank in the world\n is Industrial and Commercial Bank of China (ICBC) with assets of more than USD 5.5 trillion.\n\n\n2nd is China Construction Bank (USD 4.7 trillion).\n\n\nSource: 2022 S&P Global Market Intelligence report\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/what-is-an-asset-class/", "title": "Asset Class: What is it?", "body": "Asset Class: What is it?\n\n\nKlik sini untuk Bahasa Melayu\n\n\n\u00a0\n\n\nWhen you invest in something, that \u201csomething\u201d is an asset. Your Raiz investment portfolio (Aggressive / Moderate / Conservative) is investing in these asset classes through unit trust funds.\n\n\n\n\nThere are different types of investment assets. Generally, they are (with examples);\n\n\n\u00a0\n\n\n1. \nEquity\n\n\nShares or stocks. Some shares can be bought & sold on the stock exchange like buying & selling on Bursa Malaysia. However, some are \u201cprivate equity\u201d.\n\n\n\u00a0\n\n\n2. \nBonds\u00a0 (or Sukuk)\n\n\nYou are lending money to the government or a company and you are paid interest on the loan.\n\n\n\u00a0\n\n\n3. \nReal Estate\n\n\nHouses, lands, shops, retail malls.\n\n\n\u00a0\n\n\n4. \nCommodities\n\n\nGold, Palm oil, rubber.\n\n\n\u00a0\n\n\n5. \nDigital Assets\n\n\nCryptocurrency (for example Bitcoin, Ethereum).\n\n\n\u00a0\n\n\n6. \nCash\n\n\nCash, fixed deposit.\n\n\n\u00a0\n\n\n7. \nAlternative Assets\u00a0\n\n\nPaintings, watches.\n\n\n\u00a0\n\n\nSo which asset classes have you invested in?\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free from the app store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/what-is-the-stock-exchange-bursa-malaysia-mr-diy/", "title": "What is the Stock Exchange, Bursa Malaysia & Mr DIY?", "body": "What is the Stock Exchange, Bursa Malaysia & Mr DIY?\n\n\nDid you know when you buy shares, you actually become a small owner of the business? While the same processes exist on how to own stock since the establishment of stock exchanges, the advancement in technology has allowed this to become digitized and as easy as accessing this through your mobile phone.\n\n\n\u00a0\n\n\nWhat is a stock exchange?\n\n\nIn simple terms, a stock exchange acts as a market where you can buy and sell ownership in companies, and it helps ensure that trading is fair and transparent. Just like you can go to a regular market to buy groceries, a stock exchange is a place where you can buy and sell \u201cpieces\u201d of a company.\n\n\nStocks can be bought and sold on several exchanges. Some well-known stock exchanges, like the New York Stock Exchange and NASDAQ, have physical trading floors where traders used to shout and make deals. But nowadays, most trading is done electronically through computers.\n\n\n\u00a0\n\n\nWhat is Bursa Malaysia?\n\n\nLike some well-known stock exchanges such as the New York Stock Exchange (NYSE), NASDAQ, London Stock Exchange (LSE) and Tokyo Stock Exchange (TSE), in Malaysia we have \nBursa Malaysia\n. Bursa Malaysia plays a crucial role in the Malaysian economy by facilitating the flow of capital and providing a marketplace for companies to raise funds and trade equities. Stocks here can also mean \nequities\n.\n\n\n\u00a0\n\n\nHow do companies raise funds?\n\n\nStocks first become available on an exchange after a company puts its shares on the exchange; this is called an initial public offering (IPO). For example, \nMr DIY\n Group Bhd conducted its IPO in Oct 2020, putting 941.49 million shares on Bursa Malaysia.\n\n\nYou, as an investor, buy those shares. And then another person offers to buy those shares at a higher amount. This difference is your profit (but if you sell it a lower price, that is your loss).\n\n\nWhen you buy these shares, you then become a small \nowner\n of Mr DIY\ud83d\ude0a\n\n\n\u00a0\n\n\nHow does Raiz help you to become a small owner?\n\n\nWhen you invest in Raiz, you are actually investing in mutual funds. A mutual fund is like a big pool of money collected from many different investors. When you invest in a mutual fund, you are buying shares of the fund, which represent your ownership in the pool of money and the investments it holds. Mutual funds offer a way for people to invest in a diversified portfolio even with small amounts of money and become small owners of multiple companies!\n\n\nTo learn more about what is in your Raiz portfolio or how to customize it, you can check it out in the Raiz app \nhere\n or read more \nhere.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/why-invest-in-gold/", "title": "Why Invest in GOLD?", "body": "Why Invest in GOLD?\nKlik sini untuk Bahasa Melayu\n\n\n31-05-2023\n\n\nRaiz provides you the option to further diversify your portfolio with the inclusion of \nGOLD\n through AHAM Shariah Gold Tracker Fund in the \nCustom Portfolio\n!\n\n\n\u00a0\n\n\n\n\nWhy \nGOLD\n?\n\n\n\n\n\u00a0\n\n\nThe AHAM Shariah Gold Tracker Fund\n\n\n\n\n\u00a0\n\n\nLearn how to have more control of your investment with Custom Portfolio \nhere\n or by watching the video \nhere\n.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/why-you-should-have-an-emergency-fund-and-how-much/", "title": "Why you should have an emergency fund\u2026 and how much.", "body": "Why you should have an emergency fund\u2026 and how much.\n\n\nKlik sini untuk Bahasa Melayu\n\n\nSurprises are a part of life. While we can\u2019t control when these happen (just like how we can\u2019t control the stock market), we definitely can manage them \u2013 by setting up an Emergency Fund!\n\n\nSome common uses for an emergency fund include:\n\n\n\n\n\u00a0\n\n\nHealth emergencies\n\n\nHealth emergencies can be costly, and having an emergency fund can help you cover unexpected medical expenses. These might include hospital bills, medicine and other health-related expenses such as the cost of transportation to and from hospitals or home healthcare services.\n\n\nIt\u2019s important to note that an emergency fund is not a replacement for health insurance. It is still very important to have health insurance to protect against the high costs of medical care! However, even with insurance, there may be out-of-pocket costs that an emergency fund can help cover that you might not be aware of.\n\n\n\u00a0\n\n\nHome repairs\n\n\nUnexpected home repairs can be costly. Some examples are plumbing issues such as a burst pipe, blocked drain or toilet problem. Due to these issues usually needing to be addressed urgently, these can be an unexpectedly costly amount.\n\n\n\u00a0\n\n\nCar repairs\u2026 and summonses!\n\n\nAn emergency fund can help cover unexpected car repairs such as a blown tire or engine problems which usually need to be addressed urgently. You might want to consider also parking fines or road summonses!\n\n\n\u00a0\n\n\nLoss of job\n\n\nLosing your job unexpectedly can be a stressful time, and having an emergency fund can help cover your living expenses, such as rent or housing loan payments, electric bills and other usual monthly bills.\n\n\nThis is to help you bridge the gap until you are able to find a new job and start receiving your salary again.\n\n\n\u00a0\n\n\nHow much should you save in an Emergency Fund?\n\n\nIt depends on your individual financial situation. \nMost experts\n suggest aiming to have enough money in your emergency fund \nenough to cover three to six months\u2019 of living expenses\n. This vary based on your expenses.\n\n\n\u00a0\n\n\nUltimately, the key is to have enough money set aside to cover your essential expenses in case of an emergency. It\u2019s a good idea to periodically review your emergency fund and adjust the amount as needed to ensure that it is sufficient for your needs.\n\n\nOne way you can build an emergency fund without having to actively think about it is by using Raiz. First, determine your three to six months\u2019 of living expenses, and then set it as your Savings Goal. Name is as Emergency Fund. Set up a recurring investment like RM5 a day and turn on the round-up feature. That is all you need!\n\n\nThat that first step. We are with you. Good luck!\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n"}
{"url": "https://raiz.com.my/blog/your-investment-behind-the-scenes/", "title": "Your Investment \u2013 Behind the Scenes", "body": "Your Investment \u2013 Behind the Scenes\n\n\nKlik sini untuk Bahasa Melayu\n\n\n\u00a0\n\n\nEver wonder what happens to your money right after you have made your first deposit? Let\u2019s take a look behind the scenes!\n\n\n\n\nBut BEFORE that, let\u2019s be clear that \nyou can only invest AFTER your account has been verified\n. In order to get your account verified, please make sure when you register;\n\n\n\n\nYour IC photo is clear; and\n\n\nYour bank account number is correct (and it is yours).\n\n\n\n\nOr else, you will see your transaction as \u201cPending\u201d.\n\n\nAfter your account has been verified and you have made your first deposit;\n\n\n1.\n Your debit card is charged.\n\n\nAt this stage, your money has been taken out from your bank account, but it is still with your bank. It will only reach us the next working day. Your app will tell you that your transaction is \u201cProcessing\u201d in the \u201cPast\u201d screen.\n\n\n2.\n The next working day, your bank will transfer your money to our Custodian in the morning.\n\n\nThe Custodian is responsible to safeguard your money and asset.\n\n\n3.\n Raiz will then proceed to buy your units. \n\n\nNote that your transaction status is still \u201cProcessing\u201d at this stage.\n\n\n4.\n Raiz will receive the confirmation that your units have been purchased\n\n\nWe will receive this confirmation the latest on the next working day, though this is usually received on the same day. We will then update it in our system. As soon as we do that, your \u201cProcessing\u201d status will disappear \u2013 this means that your investment has been confirmed! You will now see your investment account value on the home screen.\n\n\nStill have some questions about this? Please reach out to us by writing to \n[email\u00a0protected]\n.\n\n\n\u00a0\n\n\n\n\nDon\u2019t have the Raiz App?\n\u00a0\n\n\nDownload it for free in the App store:\n\u00a0\n\n\n\n\n\u00a0\n\n\n\u00a0\n\n\n\u00a0\n\n\nImportant Information\n\u00a0\n\n\nThe information on this website is general advice only. This means it does not consider any person\u2019s 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.\n\u00a0\n\n\nThe 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.\n\u00a0\n\n\nUnder no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.\n\u00a0\n\n\nThe 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.\n\n\nThe advertisement has not been reviewed by the SC.\n\n"}