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These days, there are a myriad of trading and investment brokerages saturating the Malaysian market. So much so that it can get overwhelming trying to find the “perfect” platform that feels like it’s made just for you. Perhaps you're an investor who... Is just starting out. Has years of experience in investing. Would like some guidance from your chosen platform. Wants a simple, direct way to trade. Well, no matter the kind of investor you are, in this article, we’ve got you covered. We’re going to compare three of the most commonly used brokers in Malaysia – moomoo MY, M+ Global, and Interactive Brokers breaking down what makes each tick. Getting to Know: M+ Global, moomoo MY & Interactive Brokers moomoo MY Moomoo MY is a subsidiary of Futu Holdings Limited, a leading fintech company in China. Launched in Malaysia in 2024, moomoo MY offers a user-friendly platform with features such as commission-free trading, advanced trading tools, and access to global markets. With a focus on the younger generation of investors, the platform aims to provide a seamless investing experience. Additionally, the broker is a Capital Markets Services License holder and is regulated by the Securities Commission (SC) Malaysia. It is also a Capital Market Compensation (CMC) Fund Protected whereby eligible investors may claim up to RM100,000 on eligible Malaysia securities/related assets should an unlikely event occur. M+ Global M+ Global is an investment trading platform launched in 2023 by one of the most renowned stock brokers in town - Malacca Securities Sdn Bhd. With a diverse range of investment products including stocks, ETFs, and mutual funds, M+ Global emphasises simplicity and transparency, offering competitive fees and comprehensive research tools to help users make informed investment decisions. M+ Global fully licensed and regulated by SC as Malacca Securities Sdn Bhd is the parent company of Malacca Securities is a participating Organisation of Bursa Malaysia Securities Berhad. Interactive Brokers (IBKR) Interactive Brokers (IBKR) is a renowned global brokerage firm founded in 1978. Offering access to over 135 markets in 33 countries, IBKR provides a wide range of investment products, including stocks, options, futures, and forex. With low fees and advanced tools, IBKR is popular among active traders and institutional investors worldwide. Unfortunately, IBKR isn't regulated by SC Malaysia because it operates under U.S. regulations. Malaysian accounts are automatically set up with Interactive Brokers LLC in the U.S., not allowing us to choose a specific entity. This means any issues that may occur would fall under U.S. jurisdiction. Now that you have a little background on each of these brokers, let’s get into the stuff that really matters – what is being offered by these platforms and how they compare to serve your different investment needs. Comparison #1: Investment Products and Market Access First up, let’s delve into the investment products and market each broker offers. Whether you’re interested in global exchanges like Wall Street or local opportunities in Malaysia, understanding what securities these apps provide is key. My Review Simply based on these two categories, I found moomoo MY and M+ Global to be particularly welcoming for beginner investors. They offer a straightforward array of investment options like stocks, ETFs, and REITs, which I believe aren’t too complicated for anyone just starting out. Both platforms maintain simplicity by mainly focusing on markets in Malaysia, the U.S., and for M+ Global, Hong Kong as well. This simplicity is crucial for novices who would likely prefer to ease into the investing world without being overwhelmed by too many choices. On the flip side, Interactive Brokers is a powerhouse suited for the more advanced traders. The platform's extensive offering of investment products and access to an impressive 150 global markets offer a broad reach, perfect for those looking to employ complex trading strategies and explore investment opportunities across various international landscapes. Comparison #2: Cost Structure Next, let's examine the cost structure including must-know fees, margin and conversion rates associated with each platform. These are essential factors because they directly impact your investment costs and returns. What we’re looking for is transparency and competitive pricing, reasonable borrowing costs, and favourable currency conversion rates which are critical in maximizing your investment potential while minimizing expenses. My Review After comparing the cost structure of these three brokers, the “perfect” broker for you comes down to the type of investor you are – an active trader or a passive one. Active traders, who may buy and sell a particular stock several times a day to dollar cost average their investments, will find M+ Global and Interactive Brokers cheaper over time. That's because both these platforms combine all your day's trades of a particular stock into one and charge you a single fee. For example, if you split RM5,000 worth of a stock's trade into 10 different entries of RM500 each, M+ Global and IBKR would charge you around RM5 in total because they treat it as one transaction. On the other hand, moomoo Malaysia charges RM3 or USD0.99 for each trade. So, using the same example, you'd pay RM30 for those 10 trades since each one is charged separately. This makes moomoo more costly for those who trade a particular stock very frequently. However, if you’re a more passive investor or don’t have the time to make multiple transactions in a day, it’ll make more sense for you to use moomoo Malaysia as their platform fee is very competitive. For instance, say you plan to buy RM5,000 worth of AAPL shares in one transaction. With moomoo, the charge would only be RM3 or USD0.99. In comparison, M+ Global or IBKR would charge you around RM5 for the same buy. Comparison #3: Features, Tools and Resources When evaluating any brokerage or investment platform, having a wide range of functionalities like features, tools, and resources is crucial. This variety ensures that you have access to all the necessary mechanisms to manage your portfolios effectively. My Review Taking a close look at the functionalities offered by these brokerages, I find that M+ Global and moomoo are ideal for investment newcomers, while Interactive Brokers is a better match for seasoned investors. Moomoo MY being a more fintech-leaning platform, is packed with a wealth of intuitive features like the Market Monitor and Trend Projection, coupled with all kinds of resources in the Learning Section and the Paper Trade tool. These ensure that even those new to investing can grow their knowledge and confidence to navigate the stock market. However, I recognise that the extensive features and resources offered by moomoo could be a bit much for some. That's where M+ Global steps in to provide a simpler alternative. By offering a more streamlined selection of functionalities, it effectively minimises the risk of feeling overwhelmed by too many choices, making it an approachable platform for those taking their first steps into investing or maybe those who prefer getting straight to the point of buying and selling their stocks. Meanwhile, Interactive Brokers once again proves to be the ultimate toolkit for advanced investors. The depth of its analytical tools, such as the IBKR GlobalAnalyst and Trader Workstation, offers a level of detail and customization which suits more complex investment strategies that experienced investors are likely to dabble in. On top of that, the educational resources available through IBKR Campus would certainly come in handy when keeping up with specific market trends and refining investment approaches. BTW, are you looking for even more stock market analysis & tools for your investment tradings? Introducing, Seeking Alpha. Seeking Alpha is an investment research platform that offers articles, financial analysis, insightful market commentary, and a community of investors for you to exchange ideas and strategies with when it comes to investing. From detailed stock analysis and ratings to earnings call transcripts and dividend information, the platform ensures that you have access to all the data you’ll need to make an informed investment decision. Additionally, Seeking Alpha’s real-time news updates will keep you abreast of market movements as they happen, while its portfolio tracking tool allows for effective management of your investments. But perhaps its most valuable asset is the vibrant community of investors it hosts. The platform offers a space for lively discussions, debates, and sharing of insights that can enrich your investment strategy and decisions. Think of it as Twitter but solely dialled in on investments. This community aspect is precisely why Seeking Alpha has become my go-to platform, much more so than others like CNBC or CNN. As an investor, my decisions are largely influenced by market sentiment rather than deep-dive chart analyses. This means I value a range of expert opinions on a specific stock to inform my own judgment on whether to buy, sell, or hold it in my portfolio. Seeking Alpha has been incredibly useful in facilitating this approach, allowing me to make well-rounded decisions with confidence. So, I believe, whether you're a beginner eager to learn the ropes or a seasoned investor seeking sophisticated strategies and stock evaluations, Seeking Alpha will certainly equip you with all the tools and resources you’ll need to deepen your market understanding and enhance your portfolio performance. Comparison #4: Platform UI/UX For any app or digital platform out there, the importance of user interface and user experience (UI/UX) cannot be overstated. This is especially true in the case of a brokerage app and/or platform. Primarily, this is because the UI/UX directly impacts your ability to navigate markets effectively. A user-friendly interface enables quick decision-making, ensures easy access to essential data, and facilitates smooth trade execution, crucial for seizing market opportunities. My Review When it comes to the UI/UX of these three brokerages, I find that each platform would suit different kinds of investors. For those who are just starting their investment journey, moomoo Malaysia is my top recommendation. It's incredibly user-friendly and the features and tools that come with the platform are arranged intuitively, making it less daunting for newcomers. Personally, I found its instinctive approach ideal for easing into the trading world, especially for those who need some hand-holding. Meanwhile, M+ Global is the go-to for investors who appreciate simplicity. It doesn't bombard you with too many features, which I think is perfect for those who might feel lost in more complex platforms. It strikes a nice balance between being helpful and not overcomplicated, offering just enough to get you trading without any hassle. For beginners needing less guidance or those who prefer a lean trading experience, M+ Global hits the mark. Interactive Brokers is undoubtedly designed for the seasoned trader. Its platform might be a bit challenging to navigate at first, but for those with experience, it's a treasure trove of tools and analytics. The customization and sophisticated analytical capabilities are impressive, catering to almost any strategy you might have. From my perspective, if you're serious about trading and ready to tackle its steep learning curve, IBKR offers unparalleled depth. Comparison #5: Account Opening Opening an account is your first real interaction with a brokerage, and it can tell you a lot about what to expect later on. In this part of our broker comparison, we're looking at how simple or complicated it is to start trading with moomoo Malaysia, M+ Global, and Interactive Brokers in terms of what you need to do and how long it takes. My Review Comparing the different account opening processes for these three brokers, I found that moomoo MY is the best bet for beginners for its ease and speed, M+ Global serves well those in the middle ground, and Interactive Brokers is tailored for the seasoned investors seeking depth and breadth in their trading platform. To me, moomoo MY stands out for its simplicity, offering a quick and easy account setup that’s perfect for beginners or those seeking straightforward trading. With a process that takes less than 10 minutes and minimal verification, it's ideal for investors eager to trade without hassle. Meanwhile, M+ Global strikes a balance with a slightly longer setup time but remains user-friendly. It adds a layer of security through bank statement verification, making it ideal for semi-experienced investors who prefer a bit more depth without the complexity of more advanced platforms. For advanced traders, Interactive Brokers offers a detailed account opening process that aligns with the platform’s need for a comprehensive trading environment. Its thorough verification caters to professionals seeking extensive market access and a secure, robust platform. Comparison #6: Customer Support When embarking on your investment journey, the quality of customer support can be just as crucial as the features and fees offered by a brokerage platform. A prompt, helpful, and knowledgeable support team can significantly enhance your trading experience, providing peace of mind in times of uncertainty or urgency. My Review When it comes down to the customer support offered by these three brokers, I find that if you're new to investing, M+ Global would serve you well. It's easy to reach out for help anytime, and their FAQ section is detailed enough to get you started without feeling lost. It's straightforward and user-friendly, ideal for beginners needing quick answers. For the pros, Interactive Brokers offers an unmatched depth of information in its FAQs and 24/5 support, catering to advanced traders with specific needs. Its comprehensive resources are best suited for those who understand the intricacies of trading and need detailed information. Which Broker Is The Best in Malaysia – M+ Global, moomoo MY or Interactive Brokers? Initially, when I had the idea to write this article, I thought I would be able to give you guys a direct answer. But when it comes down to it, I find that it’s not so straightforward after all. In my opinion, deciding on the “perfect” broker for you boils down to understanding your own investment style and needs. For moomoo MY, the platform is intuitively laid out, meaning you can find what you need without a manual. It’s filled with tools and functionalities that range from basic to advanced, catering to all levels of investors. And, if you're someone who leans towards a more “set-and-forget” style of investing, you'll appreciate moomoo's competitive platform fees. They make it an ideal choice for passive investors looking to stretch their ringgit further. Plus, moomoo doesn't just leave you to fend for yourself; it offers a wealth of guidance through educational resources and in-depth analytical features, making it a nurturing space for those new to the investment scene. On the other hand, M+ Global embodies the principle of simplicity. Its investment product offerings are straightforward, the app layout is clean, and the features and tools are exactly what you need, no more, no less. It’s the broker for those of us who aren't looking to make trading a full-time job. You get in, make your trades, and get on with your day, which is perfect for investors who value simplicity and efficiency over the bells and whistles. M+ Global's fee structure is particularly appealing for local active traders, as it consolidates transactions to minimize costs, and the fact that it accepts MYR without any fuss adds to its charm. Finally, Interactive Brokers is the heavyweight champion for seasoned traders. It’s where the pros go, thanks to its incredibly detailed and customizable resources and tools. Yes, it's used by institutional traders, which tells you something about its capabilities. However, this also means that its platform can be a labyrinth for anyone who isn't trading stocks for a living. The UI/UX is, frankly, not the friendliest, and it can feel like you need a degree in finance to navigate it effectively. But for those in the know, this complexity is a small price to pay for the depth and breadth of options available, making it a powerhouse for those looking to take their trading to the next level. Personally, I find the straightforward nature of M+ Global aligns with my active and rather experienced investment style, which leans towards leveraging market sentiment over intricate charts and analytics. This preference is due to my approach of preferring to make swift decisions based on the broader market trends and insights, which M+ Global facilitates with its streamlined platform. The ideal broker for me cuts through the noise, providing a seamless and efficient trading experience that allows for quick action. Ultimately, the quest for the best broker in Malaysia isn't about finding a one-size-fits-all solution but rather understanding which platform aligns best with your individual trading style, needs, and level of experience. Whether you're drawn to the comprehensive tools and guidance of moomoo Malaysia, the simplicity and efficiency of M+ Global, or the depth and sophistication of Interactive Brokers, each offers unique benefits tailored to different investor profiles. The “perfect” broker for you is one that not only meets your current trading needs but also supports your growth as an investor, helping you navigate the complexities of the market with confidence and ease. Which broker do you think suits you best? Reach out and let us know! Disclaimer This is not a piece of investment advice. All content produced is solely for education and entertainment purposes only. Please consult your financial advisor before making any investment decision. Subscribe to our financial newsletter for the latest news, insights, and advice on personal finance, investing, and more. With every email, you’ll gather the confidence and knowledge to make informed decisions to achieve your financial goals.

When you think of Apple, what's the first thing that comes to mind? Probably the iPhone, right? Well, you're not alone. The iPhone is a big business for Apple, bringing in $383.2 billion-worth of revenue in 2023. That's a lot of money! In fact, in 2022 alone, they sold a whopping 232 million iPhones, 61 million iPads, and 26 million Macs! But Apple's not just about hardware anymore. Services like Apple Music, iCloud, and the App Store are also becoming a bigger slice of Apple's financial pie. In the beginning of 2024, these services brought in more than 19% of Apple's total revenue. That's a significant increase compared to earlier years. It shows that Apple is not just about selling gadgets anymore. But speaking of gadgets, the iPhone is still the king of Apple's revenue. In the early part of 2024, iPhone sales made up a whopping 58.3% of all the money Apple raked in. That's not surprising, considering how popular iPhones are worldwide. Even though other products like the Apple Watch and the iTunes Store are making more money than before, the iPhone remains Apple's cash cow. However, there's a bit of a bump in the road, particularly in China. Apple's iPhone sales there dropped by 24% in the first six weeks of 2024 compared to the same period in 2023. That's a big hit! It means Apple's market share in China went down from 19% in 2023 to 16% in 2024. China is a massive market for Apple, so this decline could be a cause for concern. Now, considering Apple's resilience and consistent outperformance in the market, it's natural to wonder whether investing in AAPL stocks remains a wise decision. The Apple Inc. stock (APPL stock) has been on a tear lately, jumping 52% since the beginning of 2023. This impressive growth comes despite tough economic times and a slight revenue dip in the same year. Why the hype? Well, Apple has a knack for staying strong when others falter. Even when things get rough, Apple manages to outshine its competitors. Just look at its stock performance over the past five years - it's been consistently impressive. But it's not all smooth sailing. Recent challenges could mean bumps in the road ahead for Apple's stock. So, should you consider buying AAPL stocks? APPL's Strength and Future Potential Brand Allegiance Amplification: People love Apple products, and surveys show that a vast majority of iPhone users plan to stick with the brand for their next smartphone. A study by ZipDo found that a huge 92% of iPhone owners are planning to stick with Apple for their next phone purchase. This means that once people start using Apple products, they tend to stick with them. Apple's luxury branding and ecosystem of services keep customers coming back for more, which is good news for investors. Transitioning from Hardware to Scalable Software Solutions: Apple's not just about gadgets anymore. They're diving deep into services like the App Store and Apple Music, and it's paying off big time. In 2023, these services brought in a whopping 22% of Apple's revenue, making it the second largest division within the company. With 88 million subscribers jamming out on Apple Music and over 75 million tuning in to Apple TV+, these services are becoming serious money-makers for Apple, giving them a diverse income beyond just selling hardware. Financial Vigor and Flexibility: With over $166 billion in cash reserves, Apple has plenty of resources to invest in new products and services. Its strong balance sheet also gives it a safety net during tough economic times. Prolonged Growth Strategy: Despite facing some challenges, Apple remains a solid bet for long-term growth. Sure, there have been some bumps in the road, like declining sales and rumors of iPhones being banned in Chinese workplaces. But Apple's not one to back down easily. They're always innovating and investing in new technologies, like digital services. So, while there might be some tough times ahead, Apple's history of bouncing back and their focus on the future suggests they're still in a good position for growth. Dominant Brand Influence: Apple is not just any tech company; it's already the world's most valuable company. With a reputation for quality products and exceptional customer service, Apple stands tall as one of the most valuable brands globally. Its name alone commands respect and recognition, giving it a significant edge in the fiercely competitive tech industry. So, it's not just about the iPhones and MacBooks; it's about the trust and loyalty that Apple has earned over the years, making it a powerhouse in the market. Risks and Considerations for Investing in Apple Revenue Vulnerability to iPhone Dependency: Apple makes a big chunk of its money from selling iPhones. If people stop buying iPhones as much, it could hurt Apple's profits. Revenue Vulnerability to iPhone Dependency: China is a huge market for Apple, but it's also a tricky one. In the first six weeks of 2024, smartphone sales in China dropped by 7% compared to the previous year. This decline affected major brands like Apple, OPPO, and vivo, which all experienced double-digit decreases in their sales, according to Counterpoint Research. There have also been issues like factory shutdowns and government regulations that could affect Apple's business in China. Valuation Apprehensions: Some experts are worried that Apple's stock might be too pricey when compared to how much money the company is actually making. As of March 2024, Apple has a market capitalization of $2.626 trillion, which means it's the world's second most valuable company by market value. Market capitalization is just a fancy way of saying how much the whole company is worth. But here's the thing: if a stock's price is too high, it might not leave much room for the stock to grow in the future. Diminished Growth Projections: Apple's growth might not be as speedy as it used to be. Experts think that Apple's profits won't increase as much in the future, mainly because smartphone sales are slowing down. According to Counterpoint Research, in 2024, Apple's sales might only grow by around 3%, which is not a huge jump. While things might be a bit tough in North America, there's hope for growth in other places, especially in emerging economies where people are starting to spend more on high-end products, like Apple's. So, even though Apple might not be growing as fast as before, there's still potential for some growth in the future. Heightened Competitive Landscape and Innovation Dynamics: Other companies are always trying to outdo Apple with new and better products. If Apple can't keep up with the competition, it might lose customers and money. Conclusion Deciding whether to invest in Apple stocks isn't just about looking at the shiny gadgets or the big numbers. It's about understanding the risks and rewards and what's best for your own financial goals. Apple has its strengths, like loyal customers and a strong balance sheet, but it also has its challenges, like dependence on iPhone sales and competition from other tech giants. Before diving into investing in Apple or any other stock, take the time to do your homework. Consider your own financial situation, how much risk you're comfortable with, and whether Apple fits into your long-term investment strategy. Ultimately, investing is a personal decision, and it's essential to make informed choices that align with your goals and values. So, whether you're bullish on Apple or cautious about its prospects, remember to stay informed and make decisions that are right for you. Bonus If you're seeking a platform to begin your journey on stock investment, you could explore M+ Global, a trading platform by Malacca Securities. With its innovative features and extensive market coverage, including access to renowned markets like the United States and Hong Kong, M+ Global offers an ideal avenue to invest in stocks such as Apple and more. Its user-friendly interface ensures a seamless trading experience, while the option to trade using Malaysian Ringgit (MYR) adds convenience. Moreover, benefit from dedicated customer support with over 200 licensed dealer representatives available to address any queries or concerns. Plus, for a limited time only until April 30th, deposit RM2,000 and receive 5 free Grab shares! This is an exclusive offer you don't want to miss. Whether you're eyeing Apple or other top stocks, M+ Global equips you with the tools and resources to make informed investment decisions. Make sure to use code: T30E. Start your journey towards financial growth and success today with M+ Global.

With all the talk about investments - bitcoin value hitting a record high and the market flipping from EVs to AIs, how do you even keep up with everything anymore. As a beginner in investing, it gets difficult staying on top of the news and getting the full lowdown of a stock you’re interested in. So, how does one do it? Seeking Alpha may be the answer you’re looking for. Seeking Alpha is one the largest investing communities that you can find. It’s a crowdsourced platform where people - from voluntarily contributing articles to the site. It helps the community get investment ideas, confirm any investment thesis and research on stocks. With over 15,000 contributors though, that’s just the tip of the iceberg. What is Seeking Alpha? Seeking Alpha has made a name for itself in the investment community as a place where over 15,000 people share their insights. These people include everyone from individuals just like you, who are investing their own money, to expert financial analysts. What makes this platform special is the wide range of opinions and analyses it offers, covering everything from individual stocks and investment strategies to predictions about the market's future. Seeking Alpha’s Subscription Types Seeking Alpha wants to make sure it has something for everyone, so it offers different levels of subscription: Basic - Free If you're just starting out, this gives you a taste of what's available with access to some articles, earnings call transcripts, and simple stock quotes. 2. Premium - $239/year For those looking to dive deeper into the investment world, this subscription provides everything from in-depth articles to sophisticated tools for tracking your investments. 3. Pro - $2400/year Aimed at the most serious investors and professionals, this level includes all the Premium features plus exclusive insights and direct contact with top analysts. Seeking Alpha Free VS Premium More On Crowdsourcing The crowdsourcing aspect of Seeking Alpha is a major advantage because it brings together a wide range of opinions and analyses on investments. Here's a simpler breakdown of why this is valuable: Diverse Opinions on Stocks: On Seeking Alpha, you might find different views on the same stock. For example, one writer might be optimistic (bullish) about a company's future because they see good things coming from market trends or new projects the company is starting. Another writer might be more pessimistic (bearish), pointing out issues like financial problems or tough competition. Having these different perspectives helps investors think more deeply and make better choices. Discussion and Debate: Below each article, there's a comments section that turns into a lively discussion area. People ask questions, debate points, and share their own experiences or insights. This can be really helpful because: - It adds more depth to the article's analysis, sometimes bringing up new points or considerations that weren't in the original article. - It might include insights from someone with special knowledge about the industry or from someone who has been following the company for a long time, offering deeper or different viewpoints. What Does The Internet Think On Trustpilot, users have given Seeking Alpha a solid rating of 4 out of 5 from 319 reviews. The highlights being the platform's excellent customer service, user-friendly interface, and insightful analysis and reports. However, some users have complained about the subscription billing, particularly concerning the lack of payment reminders and difficulties in obtaining refunds after. Seeking Alpha has responded to these concerns by reminding users to cancel their subscriptions at least a day before the renewal date to avoid unwanted charges. The Apple App Store shows an even higher user approval rating of 4.8 from 113.7K reviews. It mostly talks of Seeking Alpha's resourcefulness and the value it brings to its user base. Users also appreciate the depth of information available, helping in making informed investment decisions. The negative feedback primarily focuses on irrelevant discussions in the comment section and issues related to the app's functionality, which, while notable, doesn't take away from the platform's overall usefulness. Reddit's community offers a mixed bag of reviews. The positive comments highlight the value of Seeking Alpha's articles, which are viewed as pragmatic analysis shared by investors, providing differing perspectives and theories. This varied perspective is highly valued by users. However, the challenge of sifting through the contributions of over 15,000 authors to find high-quality articles or specific information is a notable downside. This aspect requires users to invest more effort in navigating the platform effectively. — Overall, users have found Seeking Alpha to be the go-to place for investors to find information, insights that range from investment ideas to in-depth analyses of specific sectors. The platform's strength lies not only in the diversity of opinions but also in the intensive discussion that often follows in the article comments section. It’s these discussions that adds to the value of the content, allowing investors to explore various viewpoints before making a decision. Additionally, the reliability of Seeking Alpha, according to these users, hinges more on the authors of the articles rather than the platform itself. Given its crowdsourced model, the quality and depth of analysis can vary. However, most articles provide substantial evidence to support their claims, presenting both "bear" and "bull" cases to ensure a balanced perspective. Users appreciate this depth, finding it helpful when conducting their own due diligence (or DD, as they often say). So, Is Premium Worth It? Regarding the cost-effectiveness of Seeking Alpha's subscription models, it varies based on your investment style, portfolio size, and reading habits. For those actively engaging with the platform—reading frequently, managing a sizeable and diverse portfolio—the Premium and Pro subscriptions can offer significant value. These higher-tier plans provide access to a wealth of resources, including in-depth analyses, portfolio management tools, and direct insights from seasoned investors. For beginners, the Basic subscription's free content is a rich source of knowledge, perfect for getting to grips with market trends and how different stocks perform. As you grow in your investment journey, considering a paid subscription could be a smart move, offering you the tools you need to more effectively navigate the complex world of the stock market. Special Promotion for Our Readers By the way, considering everything, we have actually arranged for special discounts on Seeking Alpha subscriptions just for you! Seeking Alpha Premium Usual Price: $239/year Special Offer: Use our exclusive link to subscribe for just $189/year **From the 27th of March - 3rd of April 2024, enjoy an additional $10 off when you use our exclusive link to subscribe. Alpha Picks Usual Price: $499/year Special Offer: Through us, only $449/year Commission Disclosure By using these offers, you also support us: we receive a 50% commission on your first transaction. Why Consider These Offers? Seeking Alpha Premium: Offers more than just a research platform; it includes a forum where professionals share their insights, offering a valuable perspective on investments. Alpha Picks: We didn’t talk about this much, but if you’re Interested in how Alpha Picks can improve your investment strategy through AI-driven stock selections, then click the like button, and we'll create a separate article explaining it in detail! Subscribe to our financial newsletter for the latest news, insights, and advice on personal finance, investing, and more. With every email, you’ll gather the confidence and knowledge to make informed decisions to achieve your financial goals.

Almost every other week it feels like there’s a new investment app in the market. And each time, they’ll be marketed as the “best trading app” or the “cheapest brokerage app”. But more often than not, they end up not being what they say they are. This time, trust me when I say moomoo is the only investment platform you’ll need to trade US and Malaysia stocks. Whether you’re a beginner investor or a seasoned one, this app offers a blend of advanced features, user-friendly design, and invaluable educational resources that cater to the needs of every investor. A Comprehensive Moomoo Malaysia Review [2024] What is Moomoo? Moomoo is the latest investment platform to arrive on Malaysia’s shores. Here’s their backstory: Founded in 2018 in California, moomoo quickly set a benchmark for solving investor's challenges with its pro-level trading services and data. By 2021, it made a notable entry into Singapore, becoming a top choice for one in every four Singaporeans. In 2022, moomoo ventured into Australia, introducing intelligent-assisted technology in investment analysis and winning four awards from Wemoney. The following year, it expanded its innovative platform to Malaysia and Japan, offering comprehensive market information, investor education, and interactive community features. Additionally, moomoo aimed to revolutionize the Canadian investment scene by providing in-depth market insights and educational tools to help investors navigate and seize opportunities. What Can You Trade With Moomoo Malaysia? You will be able to trade US and Malaysian stocks including ETFs, warrants, and REITs with this single platform. There’s also the option to trade Shariah-compliant stocks as well as to trade with margin, better known as margin trading. Is Moomoo Safe and Licensed In Malaysia? Now you might be asking, all of their features sound great but is Moomoo legal in Malaysia? The answer is, YES! Futu Malaysia Sdn. Bhd. ("Moomoo MY") is a Capital Markets Services License holder and is regulated by the Securities Commission Malaysia (SC). Additionally, it is also a Capital Market Compensation (CMC) Fund Protected whereby an eligible individual investor may claim up to RM100,000 on eligible Malaysia securities/related assets should an unlikely event occur. What Are Moomoo’s Fees? Moomoo Malaysia’s pricing and fees can be broken down into three categories. 1. Trading Fees For the first six months since account opening, No commission Platform Fees To trade US stocks: USD 0.99/order To trade Malaysia/Bursa stocks: RM3/order So for example, if you were to invest in Stock ABC, whether for RM100 or RM10,000, you’ll only be charged USD 0.99 for US Stocks or RM3 for Bursa Stocks! Other fees 2. Margin Rate Moomoo Malaysia’s margin rate is among the lowest in comparison to other brokerages at a rate of 6.8%. 3. Other Services No fees are charged for other services like: Account Opening Fund Deposit in MYR Fund Withdrawal in MYR Inactive Account Transfer Stock in Moomoo Malaysia Exclusive Launch Promotion: RM1,000* Welcome Reward To celebrate its official launch, Moomoo Malaysia is offering a welcome reward where you can get up to RM1,000*! Here’s the deal: Receive one FREE AAPL stock when you open an account, deposit RM8,000 and hold for 30 days. Get a RM100 cash voucher* when you open an account, deposit RM500 and hold for 30 days. *The RM100 cash voucher comprises of RM50 cash coupon + RM50 stock cash coupon. The RM50 stock cash coupon can only be redeemed in cash if you buy stocks. All in all, you’ll be able to get ~RM1,000 worth of goodies! Here’s a little trick lah okay – once you’ve deposited the RM8,000 and have received the AAPL stock along with the RM100 cash voucher* (which can be used to buy stocks or even Bitcoin ETFs), wait 30 days then you can withdraw your RM8,000 and keep the goodies. By then you can decide whether to sell the AAPL stock or continue keeping it. But I’m almost certain you won’t do it because the moomoo app will change your experience with investing – that’s how good it is. What Features Do Moomoo Have? I’ve been raving about moomoo a lot in this article and I genuinely think it deserves the hype because it is truly an all-in-one super app. In my years of investing, I’ve rarely come across an investment platform that offers as many features as moomoo does. These features (that I’ll get into later) are both easy to navigate yet comprehensive enough for first-time investors and even seasoned ones. Moomoo Features 1: Heat Map The heat map is a visual tool used to display the performance of different market sectors in a clear and intuitive manner. As you can see in the picture above, the colour of each sector indicates its gains or losses, with the intensity of the colour reflecting the strength of the price movement. This means that larger sectors represent larger market caps, and the colour intensity provides immediate insight into sector performance. Then, if you click on each sector, you’ll be able to see a chart of how the overall sector is doing, key stocks that contribute to the market movement of the sector, comments as well as news from said sector. This tool comes in handy when you are trying to quickly grasp the overall market trends and identify which sectors or stocks are outperforming or underperforming. You’ll also be able to customise your settings such as sorting by market cap, volume, or turnover, and adjusting the number of sectors displayed, allowing for a tailored analysis that matches your investment strategy. Moomoo Features 2: Market Monitor The market monitor is a real-time tool designed to help you keep track of unusual activities across all stocks in the markets. The tool identifies and alerts you to unusual trading volumes and price movements, leveraging filters like market region, price range, and market cap range to tailor the monitoring process to your specific interests or investment strategies. By using this feature, you’ll be able to stay ahead of market movements by tracking unusual stock activities in real-time. For instance, by identifying stocks with unusual trading volumes and price changes, you might be able to spot potential opportunities or risks early. So, whether you’re looking to capitalize on short-term market fluctuations or want to understand broader market trends, this tool will prove to be very valuable. Moomoo Features 3: Industrial Chain The industrial chain feature provides a comprehensive overview of the various stages, companies, and associated stocks within specific industries, aiding in the detailed analysis of the production and distribution processes. This tool offers insights into the upstream, midstream, and downstream sectors, alongside a streamlined process for informed stock selection by categorizing stocks based on their industry segment. For instance, in the electric vehicle (EV) sector, it highlights the complete chain from raw material suppliers to manufacturers like Tesla, which dominates battery pack production. This feature not only aids in identifying investment opportunities and risks, especially in scenarios like fluctuating raw material costs but also promotes strategic portfolio diversification by encouraging investments across different parts of the industrial chain. Moomoo Features 4: Institutional Tracker The institutional tracker is a tool designed to monitor and display the investment activities of established institutional investors. This feature provides you with insights into the quarterly position reports of these institutions, showcasing data such as the market value of holdings, changes in holdings, the number of stocks held, and changes in the number of stocks held. It offers a comprehensive overview, industry distribution of holdings, and a detailed list of holdings for each institution, allowing you to discern the investing logic, trends, and strategies of these major players in the market. The information you’ll get from this tool, helps you understand the strategic moves of institutional investors and can guide you in aligning your investment strategies with market trends, identifying potential investment opportunities, and avoiding sectors or stocks that are being heavily sold off. Moreover, it offers clues about market sentiment and potential future movements, enabling more strategic portfolio management. Moomoo Features 5: Investment Themes Just as the name suggests, the investment themes feature offers a curated insight into specific industries, interests, or institutions, providing you with a comprehensive overview that includes charts, company lists, shared comments, and relevant news related to the chosen theme. This tool is particularly useful for investors who are just starting out, as it simplifies the complex world of investing into more digestible, themed segments. New investors can benefit from the structured approach to understanding market dynamics, identifying trends within specific industries or interests, and gaining insights from the shared experiences and strategies of more seasoned investors. Moomoo Features 6: Trend Projection The trend projection tool is designed to enhance the efficiency of analyzing candlestick charts by enabling you to quickly find stocks with candlestick patterns similar to a target stock and makes it easier to predict what might happen next with the stock you're interested in. The way it works is that by comparing the patterns and trends of two candlestick charts through a specific algorithm, the tool calculates their similarity and offers forecasts on the future trend of the target stock based on the probability distribution obtained from historical trends of other stocks with similar patterns. This provides a solid foundation for speculating on future stock movements (if that’s what you’re into), making it a valuable tool for those looking to stay ahead in fast-moving markets. Usually, in order to get the information this tool offers, it takes a lot of time, manual labour and advanced knowledge of technical analysis. So, although this feature may be a bit of a stretch for beginner investors to use, it’s definitely one that seasoned investors who rely heavily on technical analysis will appreciate. Moomoo Features 7: In-Depth Insights Into A Company So far, I’ve been explaining some of the key tools that moomoo offer however, there’s an overarching feature that I’ve yet to mention – company analysis. Typically, when you’re using an investment platform, you’ll be able to get some information on the specific company you’re planning to invest in like its share price movement and capital flow. However, Moomoo’s company analysis goes way beyond that. You’ll be able to get an in-depth insight into a company including the company’s valuation, market distribution, revenue breakdown, income statement, cash flows, shareholders, and insider activity to name a few. Generally speaking, everything you can find on a company’s financial report, you’ll be able to find in Moomoo’s company analysis. Moomoo Features 8: Comments and News Section Similar to the company analysis, the comments and news section is also an overarching feature that can be used in addition to the six tools mentioned above. For the comments section, it sort of works like X (previously known as Twitter) whereby, moomoo users can share their opinion or investment strategies with other users. Here’s the catch, since any user can comment their thoughts, it might not be the best feature to use if you want to make an informed investment decision. Perhaps using it to get a better understanding of market sentiment would be smarter. As for the news section, depending on how you come across it, it might provide you with news on a specific company, industry or even investment theme. And of course, the news sources are credible and reliable, mostly coming from new portals like Yahoo Finance, Wall Street Journal and Bloomberg. Moomoo Features 9: Learn More About Investing I think a common obstacle when it comes to starting one’s investment journey is that people don’t know where to begin and there’s too much information out there that it can feel very overwhelming, very quickly. Knowing this, the moomoo app offers a tab where you can learn more about investing. There are articles on top-performing stocks, beginner guides and even courses on technical analysis and the overall economy. It’s really like Investment 101 lah! Moomoo Features 10: Paper Trade Along that same note of learning more about investing, moomoo also offers a feature called Paper Trade. This feature allows you to engage in simulated market trading without risking actual money. Think of it as a practical lesson in addition to the theoretical one. This tool uses real market data to enable new and experienced traders, to practice trading, test out investment strategies, and familiarise themselves with various trading scenarios. Through paper trading, you can track the performance of your hypothetical investments, see the potential outcomes, and learn from the experience without the financial consequences of real trading. It’s worth noting that while paper trading offers a safe environment to learn and experiment, the emotional and psychological pressures of real trading can differ significantly. Therefore, while paper trading is an excellent way to build foundational knowledge and skills, transitioning to real trading should be approached with caution. Step-by-step Guide: Moomoo Malaysia Account Opening Usually, with an investment platform, it takes quite a while to open an account because there’s an endless number of questions you need to answer and fill in. But with Moomoo Malaysia, it takes less than 5 minutes. Here’s how you can do it. 1. Fill in your Personal Details Click here and start filling out your personal details like your full name, gender, marital status, birthday and so on. 2. Verify your identification You’ll be required to upload a picture of your identification card (IC) for both front and back. And as usual, make sure it’s clear, and doesn’t have any glares. 3. Provide your Residential Address Fill in your address and confirm if it’s the same address you’re currently residing in; otherwise, include your residing address as well. 4. Fill in your Tax Information Most of the questions should already be answered based on your personal details so you’ll only need to fill in your Tax Identification Number (TIN). It’ll look something like this: IG 12345678912. 5. Provide other information Some of the information you’ll be asked to provide here includes your employment status and financial information like your annual income, total assets, investment objective and period. 6. Complete your eKYC, verify your phone number and agree to the Customer’s Declaration Carry out your electronic Know-Your-Customer (e-KYC) which personally took me less than 30 seconds to do. Then, verify your phone number with the TAC Moomoo sends you. Finally, agree to the Customer’s Declaration. In just six simple steps, your moomoo Malaysia account should be up and running within 1-3 business days. Moomoo Malaysia Review: My Honest Opinion I've been using moomoo for nearly a year now, and honestly, I find myself consistently reaching for this trading app over the others I have on my phone. Let me explain why. Starting with its features, unlike many other investment platforms, moomoo offers an extensive range of tools, and what's even better is that they're all available for free! Typically, other trading apps charge additional fees for more advanced features, but with moomoo, I’m glad that that's not the case. Personally, I’m a huge fan of the heat map feature because it offers a visual representation of the overall sector performance, allowing me to quickly identify trends. I also really like the institutional tracker as it is quite interesting to me to see the investment activities of major players in the market. Moreover, I commend moomoo's commitment to educating investors. Their "Learn" and "Paper Trade" sections are particularly helpful for both beginners and pros, offering articles, guides, and simulated trading experiences to hone your skills without risking real money. Plus, the sense of community in the comments and news section is great for staying in the loop and sharing insights with fellow traders. Now, when it comes to the UI/UX of the app, if you've explored different investment platforms, you may have encountered some that aren't very user-friendly and can be quite confusing. However, my experience with moomoo has been the opposite. I find it incredibly intuitive and easy to navigate, allowing me to access its tools and features effortlessly. The layout is clean and well-organized, making it a breeze to find what I need without any unnecessary clutter. Overall, my journey with moomoo has been pretty great over the past year. It definitely stands out as a top-notch investment platform, especially for those who appreciate a balance between advanced trading tools and educational support. So, whether you're a beginner looking to dip your toes into the world of investing or a seasoned trader searching for an all-in-one solution, Moomoo could very well be the super app you've been looking for. If this article was a little too lengthy for you, I also made a video reviewing the moomoo app. You can check it out here. Disclaimer This is not an investment advice. All content produced is solely for education and entertainment purposes only. Please consult your financial advisor before making any investment decision. All views expressed in the article are the independent opinions of the author, which are not necessarily shared by Futu Malaysia Sdn. Bhd. ("Moomoo Malaysia"). No content shall be considered financial advice or recommendation. Moomoo Malaysia links are included in this post, through which referrals are made and I may receive certain commissions. Please contact Moomoo Malaysia for more information. Subscribe to our financial newsletter for the latest news, insights, and advice on personal finance, investing, and more. With every email, you’ll gather the confidence and knowledge to make informed decisions to achieve your financial goals.

Bitcoin is the buzzword of the decade. Even your grandma who knows nothing about investing has heard about it. But it can be very confusing and unintuitive to fully grasp it. Don’t worry, you are not alone. Around 80% of Malaysians are aware of cryptocurrencies, however, only 21% of them are actually familiar with it. Before you start investing in this unfamiliar territory - which is  a classic recipe for a poor investment choice, you should: Invest in what you know. This article series is made to help you with that. Tech is growing faster than ever and we need to keep up, and this article will equip you with crypto knowledge, regardless if you’re interested in investing or not (soon you will). It  will help you save time and point you in the right direction of research. Where do we start? The fundamental technology and platform of cryptocurrencies is the blockchain. Just as you can’t operate a car without its engine, cryptocurrencies wouldn’t exist or function without the underlying technology of blockchain. So, let’s dive into the technology first. Origins: Where did it come from? Blockchain can be dated back to the 1990s where Stuart Haber & W.Scott Stornetta, a group of research scientists, were finding a solution for time-stamping digital documents so they couldn’t be tempered or misdated with. No one furthered the progress of the blockchain into something revolutionary till… 2008, where the concept of “Distributed Blockchain” was first introduced in the white paper “Bitcoin: A peer to peer electronic cash system” by Satoshi Nakamoto. The white paper described the vision and protocol of a decentralized financial system with no involvement of a financial intermediary. Basically, it’s a financial system where the middle man A.K.A the banks are removed and it’s purely a peer-to-peer transaction on a universal public ledger. (A ledger is a collection of accounts where transactions are recorded. Every bank has its own record of ledger to keep track of the people’s money. Imagine, if there are around 44,000 banks with 44,000 ledgers of their own. Now, imagine, all those 44,000 ledgers are combined into one public-ledger where anyone can view.) In 2009, Satoshi Nakamoto launched the first block of the Bitcoin blockchain: The Genesis Block. And the rest is history. What is a blockchain? Essentially, blockchain is a decentralized database that stores a registry of assets and transactions across a peer-to-peer network. The transactions are secured through cryptography and over time, that transaction history gets locked in blocks of data that are cryptographically linked together and secure. This creates an immutable, unforgettable record of all of the transactions across this network (Bookmark this, we’ll explore it soon).  This record is replicated on every computer that uses the network. A great analogy given by Bettina Warbug, a blockchain researcher, to having a concept of Blockchain, is Wikipedia. We can see everything on Wikipedia. Just as Wikipedia provides a dynamic and ever-evolving composite view of information, allowing users to track changes over time, blockchain serves as an open infrastructure for storing various types of assets. While Wikipedia stores words and images and their alterations over time, blockchain encompasses a broader spectrum, accommodating assets such as digital currencies like Bitcoin, intellectual property titles, certificates, contracts, physical assets, and even personal identifiable information, all while preserving their ownership, custodianship, and location history. So why is it so important? To illustrate the importance of blockchain, we must first understand the problem blockchain is solving. The core problem blockchain aims to solve is: Trust. Trust in Institutions. But why? Financial institutions act as intermediaries for our financial transactions, they are the heart of the economy, pumping and exchanging value. Just like an organism, it breathes the outflow and inflow of money and currency for society. We rely on institutions as a medium to manage our trade and reduce uncertainty. Especially with the rise of globalization, institutions are essential in facilitating human economic activity. “Institutions are a tool to lower uncertainty so that we can connect and exchange all kinds of value in society”-Douglas North, Nobel Prize Winner in Economic Sciences. Despite our trust upon institutions, there have been a record of 7 major financial crises over the last century. The most infamous incident of the 2008 financial crisis was the last straw that broke the camel’s back. Also known as the Global Financial crisis was the most severe economic crisis since the Great Depression 1929. “The shock that hit the world economy in 2008 was on a par with that which launched the Depression.” - The Economist, University of Essex. Blockchain as a confidence machine: Blockchain is a confidence machine. Remember the bookmark from above? Immutable means it cannot be changed. All transactions in the blockchain cannot be erased and it is impossible for anyone to tamper with previous transactions. These qualities are the basis of confidence in the blockchain. Confidence is returned back to society via the participation of the public network node to verify transactions by themselves and for themselves. The blockchain's decentralized and open-source approach to trust helps bridge the gap in information sharing among governments, businesses, and individuals. This model reduces information asymmetries and uncertainty in financial decisions. Through the use of cryptography, blockchains establish a network of institutionalized trust, offering a viable alternative to the growing dependence on centralized entities which are controlling access to information. Lastly Companies from various industry sectors have been adopting this technology. Just to name a few: HSBC, Visa, Barclays, Ford, Pfizer, AIA and many more top leagues. But they're not using blockchain for cryptocurrency. That’s just the tip of the iceberg of the uses of block chain. Here is a list of other uses: Providing an opportunity to developing nations to participate in banking (around 1.7 billion adults have no access to banking services) Easing cross-border payments (average transaction fee for worldwide payments is 7%; yes, that’s a lot) Increase in interoperability in the supply chain management My favorite one: Managing and Protecting Patient data in Health care organizations. Imagine a decentralized log of patient data that is transparent and public for all hospitals to access.  You don’t have to worry about switching hospitals or needing a specific doctor for record keeping.  Your entire medical history can be accessed from anywhere, even globally. There is much more to discover with this new technology. Do like the article if you want to know more about how blockchain can positively impact the World and also on the flip side, the negative implications of it (there is a shadow side for everything). Subscribe to our financial newsletter for the latest news, insights, and advice on personal finance, investing, and more. With every email, you’ll gather the confidence and knowledge to make informed decisions to achieve your financial goals.

If there's one thing we’ve been emphasising on Mr Money TV, is that we are in an era where financial stability is essential, and the need for a second stream of income has become more than just a desire; it's a necessity. The global economic landscape is fraught with uncertainties, and relying solely on a single income source can leave one vulnerable to financial shocks. In this pursuit of financial resilience, investing in companies listed on stock markets can provide a viable pathway to passive income generation and long-term wealth accumulation. The Malaysian stock markets offer a diverse array of investment opportunities catering to varying risk appetites and investment horizons. Two prominent segments within Malaysia's stock exchanges are the ACE Market and the Main Market, each tailored to accommodate different types of companies and investors. Understanding the nuances of these markets is crucial for making informed investment decisions that align with one's financial goals and risk tolerance. The Main Market: Steady Growth and Established Players The Main Market of Bursa Malaysia serves as the premier platform for larger, well-established companies with a proven track record. These companies typically exhibit lower perceived risk due to their long-standing presence and robust operational frameworks. Investors often gravitate towards the Main Market for its stability and the assurance of investing in companies with a history of delivering consistent returns. Criteria for listing on the Main Market are stringent, requiring companies to meet rigorous financial standards, including minimum market capitalization, profitability, and corporate governance benchmarks. Such criteria serve as a safeguard for investors, instilling confidence in the reliability and transparency of companies listed on this prestigious platform. Moreover, the Main Market offers superior liquidity, facilitating smoother trading activities and minimizing price volatility, thereby enhancing investor confidence. The ACE Market: Nurturing Emerging Ventures Amidst Higher Risks In contrast, the ACE Market caters to small and medium-sized enterprises (SMEs) seeking capital infusion to fuel their growth trajectory. These companies typically possess limited operating history and may operate in nascent industries or innovative sectors. While the ACE Market provides a vital platform for emerging ventures to access funding, it also entails higher inherent risks for investors. Listing requirements for the ACE Market are comparatively more lenient, allowing early-stage companies to access capital markets despite their limited financial performance or operational history. However, this leniency comes with a trade-off, exposing investors to greater volatility and uncertainty regarding the future prospects of ACE Market-listed companies. Despite the potential for higher returns, investing in ACE Market shares necessitates a higher risk tolerance and a thorough understanding of the dynamics inherent to early-stage ventures. Personal Perspective: Navigating Between Risk and Reward In my investment journey, I've found myself inclined towards the stability and reliability offered by the Main Market. While the allure of higher returns in the ACE Market is undeniable, I prioritize minimizing risk and preserving capital over chasing speculative gains. The stringent listing requirements and established reputation of companies on the Main Market instill a sense of confidence, aligning with my investment philosophy of seeking sustainable growth over the long term. Striking a Balance for Financial Growth In conclusion, the ACE Market and Main Market in Malaysia present distinct avenues for investors to diversify their portfolios and pursue passive income generation. While the Main Market offers stability and liquidity, the ACE Market beckons with the promise of higher returns albeit accompanied by heightened risks. As investors, striking a balance between risk and reward is paramount, aligning our investment decisions with our financial goals and risk tolerance. By leveraging the opportunities afforded by both markets judiciously, we can embark on a path towards financial growth and resilience in an ever-evolving economic landscape.

Let’s ignore how disgusting cockroaches are for a second. Let’s also forget how much fear they instil in us when they take flight. The thing is, if you think about it, cockroaches are impressive creatures. For instance, cockroaches have been around for more than 300 million years, making them one of the oldest groups of insects on Earth. Imagine how resilient and adaptable you’d have to be to survive through so many extreme environments. Plus, they’re still around, not even remotely close to extinction. Now that’s how resilient and adaptable we want our portfolios to be right, no matter the weather? The portfolio for any (economic) weather The normal approach to investing would be allocating 60% of your holdings into equity and 40% into debt investments. However, this ratio can be rocky when inflation is not under control. The reality is, these days, the market is starting to get volatile. There’s where the Cockroach Portfolio comes in. How does it work? First, you would want to place your money evenly across four types of assets: Equities, Gold, Cash and Bonds. These four types of assets are picked according to how well they perform for each ‘weather’, these include: Growth, Inflation, Deflation and Recession. By picking the assets which do well in each economic weather and rebalancing them, we create stability in volatile situations. What’s the catch? Yes, your portfolio will be relatively stable but don’t be expecting any high returns. Remember, high risk equals high returns, and the Cockroach Portfolio isn’t exactly high risk. During Growth - Use Equities: When the economy is doing well, like when people start spending more money, businesses, in turn, will make more money too. Stocks, which are tiny pieces of ownership in these businesses, can become more valuable during this time. So, if you own stocks, you can see the value of your investment go up. Additionally, when companies are making more money, they might share some of this profit with you in the form of dividends, which is like getting a little bonus just for owning the stocks. During Recessions - Use Cash: When lots of people are losing their jobs and businesses aren’t doing too well, it’s a good idea to have some cash saved up. Cash is great because it doesn’t lose its value during recessions, and it’s always ready to use. During Inflation - Use Gold: When there’s inflation, the value of money goes down. This means you’ll be buying less with the same amount of money. Gold, however, often keeps its value better than money during inflation. So, when prices are rising and money buys less, gold can still buy about the same amount of things, or even more. That’s why people sometimes buy gold when they think inflation will hit. During Deflation - Use Bonds: When there’s deflation, prices of goods and services decrease, which means your money can buy more than before. Bonds pay fixed interest, so if you own bonds during deflation, the money you get from them can buy more because of the lower prices. The Bottom Line The Cockroach Portfolio is best suited for beginners in investing. It’s a great strategy to manage your risk and enjoy stable returns. The core concept is diversifying our risk throughout different times. However, this doesn't mean you should avoid making adjustments, unless you're content with sticking to a "cockroach" strategy indefinitely. Adaptability through economic cycles is like riding a wave, and we have to stay alert and aware of it. After a few years of experience in the market, you can change the asset allocation based on the economic weather and have greater returns periodically rather than just a steady line. Subscribe to our financial newsletter for the latest news, insights, and advice on personal finance, investing, and more. With every email, you’ll gather the confidence and knowledge to make informed decisions to achieve your financial goals.

You’ve just graduated, and you’re going through the process of landing your first job. While adulthood may be something you’ve been anticipating for a long time, it also comes with a new set of challenges and responsibilities. In Malaysia, or at least in Asian culture— it is a norm to give our parents money. What is the significance or importance for this you may ask? Most of us believe in the act of giving back to our parents for raising us. Providing a roof over our heads, putting us through school, getting us to where we are today. The least we can do when we land a job is to give back to our parents monetarily! However, with the rising costs and inflation rates in Malaysia, and most fresh graduates earning an amount that they themselves find hard to live on, it really poses the question on how much exactly you should give your parents. In this article, we’ll dive into some factors you can look into to determine how much you should be giving to your parents. Your current financial situation It is important to understand your current financial situation in order to determine how much money you can give your parents. Income and savings Do you have a stable job, or multiple streams of income that allows you to be less rigid with your finances? You will need to analyse and understand the stability and reliability of your sources of income for a more accurate picture of your financial situation. You should try to set a portion of your income towards a savings account or a savings plan, for rainy days. With that said, have you heard of the 50/30/20 rule? This is where you would allocate 50% of your income to your necessities, 30% on lifestyle choices, and 20% to your savings. However, this article has tweaked the rule to include investments, where it is proportioned into a 50/20/10/20 rule. 50% goes to necessities, 20% towards your lifestyle, 10% into savings and 20% into investments. Give it a read and understand how you can save AND invest as well! There are also a few market money funds in Malaysia that offer returns that are greater than most traditional savings accounts. These financial instruments are short-term, which also means that if there is a time you urgently need the money, it is always available for you. Loans and expenditure You will need to learn how to portion out your disposable income in order to understand how your money is distributed.  Firstly, do you have outstanding loans or debts? Maybe you’ve just made your first adult purchase on a house, or even a car. It is vital that you create a feasible repayment plan that will help reduce or even eliminate debts, to create financial stability in the long run. If you have outstanding debts and are struggling to strategise the best way to pay them off effectively, read this article to learn more! Secondly, you could list out all your essential monthly expenses. This could include your rent, groceries, insurance, utility bills, and more. Once you are able to grasp how much your monthly expenses are, you can set aside an amount for it, and allocate what is left accordingly. You should be able to proportion the remaining appropriately towards savings, spendings on wants, and how much can be given to your parents. There are also other means to give back to your parents rather than the conventional monthly allowance. Here are some ways you could give back instead: Help pay for what’s needed at home You can offer to pay for the weekly groceries for the house, or even help with the utility bills. This will definitely help lessen their financial burden, especially if your parents have retired and do not have a job. Weekly treats Take your mom for a spa-day, bring your dad to his favourite restaurant— these can be a means of giving back to your parents, and you can also spend some quality time together as a family! Those who are working may be spending less time with our loved ones, relative to when adulthood has not made its grand entrance yet. My personal experience In the early days of my career, my monthly earnings amounted to RM2500. While embarking on this exciting new chapter, I was also eager to express my gratitude to my parents for their unwavering support throughout my journey. However, as I divided my income between savings and essential expenses, I found myself with little left to offer in monetary support. With that said, I sought alternative ways to demonstrate my appreciation. I took on some household chores, prepared meals for my family on weekends, and indulged in occasional "mommy-daughter" outings to the nail parlour. As my career progressed and I transitioned to a new role with a more substantial income, I found myself in a position to provide financial support to my parents. Now, I can comfortably allocate RM200 monthly to my mother, and contribute to my father by assisting with utility expenses at home. It's a small but meaningful way to reciprocate the love and sacrifice they've poured into my life. As you navigate this new phase of life, remember the importance of financial responsibility and open communication. While expressing gratitude through monetary means is commendable, it's equally vital to secure your own financial foundation. By balancing your obligations and aspirations, you can support your parents while safeguarding your own financial well-being. Ultimately, the goal is not just to give back, but to do so responsibly, ensuring a harmonious balance between supporting your family financially and your personal financial goals. Subscribe to our financial newsletter for the latest news, insights, and advice on personal finance, investing, and more. With every email, you’ll gather the confidence and knowledge to make informed decisions to achieve your financial goals.

Imagine this: you’ve just received your first pay check as a full-time employee. You’ve been diligently waiting for this moment, proving yourself to your employer and colleagues for months. Now, it’s time to treat yourself, right? You spend this money on new clothes or a fresh haircut. You start eating out more. You might even join the gym. All the luxuries you couldn’t afford on a fresh grad pay check. You wonder how you could have stayed broke for so long. Welcome to the world of lifestyle inflation: the habit of upping your spendings as your earnings climb. And it’s not an ideal habit to have. What’s the point of making more money if I can’t spend it? Don’t get me wrong. There’s nothing wrong with wanting to spend your money, especially to improve the quality of your life. But it’s more about striking that balance between planning for your future and enjoying the fruits of your labour right now. What happens if you don’t find this balance? You might actually end up in a cycle of living pay check to pay check. It causes you to have just enough money to last you to the end of the month. You might even find it difficult to pay off your debts because of this. How do I know if I have lifestyle inflation? Here's a heads-up on whether you're veering towards lifestyle inflation: Credit card debt If your credit card's burning up with debt, yet you're still living large with daily Grabs and monthly splurges, you might want to hit the brakes. Lack of safety net Do you have any cash to fall back on should anything happen to you? Like, an unexpected trip to the hospital or sudden unemployment? It’s not really for you Think about whether you're buying things because they make you happy or just to impress others. How do I avoid lifestyle inflation and still enjoy life? Don’t lose motivation just yet, it is possible to enjoy life to the fullest while still setting money aside for your future. Here’s how: 1. Calculate the real change You’ll actually find that the net effect of your raise is less significant than it appears. This happens because a portion of your money is going to EPF and taxes. Do the math to see what you're really working with. 2. Think about the hidden costs If you can afford the down payment for a car, don’t forget the ongoing expenses that come with it - gas, maintenance, insurance and road tax. The costs don't just end there. 3. Be mindful when spending money Create a budget that forces you to spend within your means. Unfortunately, this includes all your retail therapy too. 4. Start building that emergency fund Resist the urge to blow that extra cash. Aim to tuck away 20% of your income into a no-touch account. 5. Invest in experiences Can't justify the costs of a new car? Opt for travel instead. Cuti-cuti Malaysia counts too! The memories and shared experiences often outweigh material possessions in the happiness department. The bottom line It's important to manage your money wisely as you start earning more. This means enjoying your earnings while also saving for the future. By being careful with your spending and focusing on what truly makes you happy, you can avoid the trap of lifestyle inflation.

In this day and age, it is crucial to recognise the importance in building an investment portfolio. Why, you may ask? Today’s economic landscape shows that having multiple streams of income is not just a luxury, but a necessity. Just like many countries, Malaysia is navigating through economic uncertainties. Fluctuating markets and constant evolution of consumer behaviours are leading individuals to realise the importance and significance of securing their financial future. Building an investment portfolio gives us the opportunity to mitigate risks that come with relying solely on one source of income. I personally have a second source of income from investing in the Malaysian stock market. Growing up in a household where both my parents are chartered accountants, it has been engraved in our heads that having a sense of security with money is crucial. And let’s be real, the stereotypes for accountants are that they are not willing to be risk takers. This is why our investments have always been conducted more traditionally— through stock brokers. At the age I’m at now, I have peers who are getting into investing and broadening their investment portfolio. However, most of them do it on their own through digital platforms or apps instead, which got me thinking if I should consider making that switch too. I have also been pondering on the thought of expanding my portfolio by investing in the United States stock market. However, I have not been able to find a platform that makes it easy to navigate around. Upon my personal research, there are many applications out there to choose from, but one particular platform that stood out to me is M+ Global. M+ Global is an integrated trading platform based in Malaysia (started by Malacca Securities) that provides you access to markets in the United States and Hong Kong as well. This platform patches the gap for investors to conveniently diversify their investment portfolios and take advantage of the many opportunities in an array of markets. Users are able to perform and execute trades, monitor market trends, as well as manage their investments efficiently all on M+ Global. Sounds pretty easy and straightforward, huh? Not only does it facilitate the needs of both experienced and new traders, but it also provides you with the necessary tools and resources to make informed investment decisions. You can refer to this article on a comprehensive review on M+ Global here, including a step-by-step guide to creating an account! With that said, are you also interested in building an investment portfolio but you’re unsure where or how to start? Today may just be your lucky day, because I’ve discovered a little secret that I would love to share with you. You can get a cash voucher upon signing up with M+ Global! With the Chinese New Year festivities approaching, Malacca Securities is ushering in abundance with their “CNY Angpau Rush Campaign''. In conjunction with celebrating their 60th anniversary, Malacca Securities is spreading prosperity by giving away an auspicious total of 168,888 angpaus. You heard me. 168,888 angpaus. From 9 - 14 February 2024, new users of M+ Global can claim an angpau containing a cash voucher that is worth up to USD 88.88! All you have to do is sign up for an account and remember to type in this invitation code: T30E. It does not stop there, fellow traders! You can also claim an additional angpau with a discount voucher by sharing the campaign on your social media pages via the CNY Angpau Rush Activity page. Do ensure that your M+ Global app has been updated to the latest version. My personal opinion between trading via an app vs. going through a stockbroker In my opinion, trading through an app and going through the traditional way with stockbrokers offers a list of benefits that are distinguishable, and it really depends on your trading styles. After using M+ Global for some time now, I understand that some investors may prefer the convenience and cost-effectiveness of using trading apps, while others may value the personalised advice and expertise offered by stockbrokers instead. Which will I pick? I am currently keeping my long term relationship with my stock broker, and will be utilising M+ Global for my international trades in the United States and Hong Kong instead. That way, I get the best of both worlds. Since I’ve already been an existing user of the M+ Global app, I’m also eligible to claim my angpau. All you have to do is go to the Activity page > Open Angpau in the M+ Global app. And for those who are beginning on their journey to trade, fasten your seatbelts because M+ Global has just the tools you need to accelerate your trading potential and embark on your investment journey with confidence! Subscribe to our financial newsletter for the latest news, insights, and advice on personal finance, investing, and more. With every email, you’ll gather the confidence and knowledge to make informed decisions to achieve your financial goals.

Ah, Valentine’s Day in Malaysia. A day when love is in the air, and the pressure to spend is everywhere. But fear not, whether you’re single, tangled up, or somewhere in between, we’ve got you covered with some financial planning tips and budget-friendly date ideas to keep both your heart and wallet full. Here's the comprehensive list, jump to the section that most applies to you! (We weren't joking when we said 'every stage of your love life'). For the Singles: You’re not single; you’re just in a committed relationship with your finances. Congratulations, you two are perfect for each other! Now in order to keep this relationship well and healthy, we have a few suggestions for you. Allocate some money to personal development, wellness, or discover new hobbies and passions, like: 1. Gym Memberships Invest in your physical and mental well-being with a gym membership. Here are a list of options for you to choose from: Pro tip: Considering your finesse skills, you can actually bargain your gym membership costs. Be in control of the love you’re pouring into yourself emotionally and financially. If you feel like there’s something lacking, it’s a sign that it might be time for a change. 2. Self-development Take part in activities that stimulate and enrich your mind, like: Pro tip: Bring your friend along or make new friends there! This Valentine’s Day, splurge on the one who truly deserves it: you. For Situationships: If defining the relationship is more complex than Add Maths, maybe it’s best to keep V-day lowkey. Movie night at home, perhaps? It’s easy, affordable and free of any relationship-defining implications. Pro tip: Take advantage of V-Day and finally ask where the relationship is going, but you have to be ready for the answer, otherwise don't ask! For New Relationships By new relationships, we mean like a 2-3 months long. If you're only three dates in, then maybe you should skip out on V-Day. But if you've already DTF (defined the relationship) plus said the L word and all of that, here's what we suggest: Pro tip: Talk about your expectations for V-Day to make sure you're both on the same page! For Struggling Relationships If your love life needs CPR, forget your wallet! It's time for genuine, heartfelt gestures. Small gestures usually speak volumes. Think back to what made two get together in the first place and put those memories to paper. Consider making a scrapbook with pictures of significant moments you and your partner shared together to reignite the spark. For Committed Relationships In a committed relationship and feeling like your partner might not be seeing the big, flashing "I'm ready for more" signs you have up? Don't worry, we got you! Here are some ways to make your intentions clear, without making your partner run away: Finally, for the Married There's only one thing parents want on Valentine's Day. Alone time in the bedroom to finally get some good quality sleep. What were you thinking? Happy Valentine's Day from Mr Money Tv! There you have it — a Valentine's Day survival guide for every type of relationship in Malaysia, from the blissfully unattached to the happily tangled. Remember, whether you're swiping right, dropping hints for something more, or just trying to catch some Z's away from your kids, the best V-Day is the one that makes you happy!

You’ve just clocked out from work, and you’re on your way to the closest shopping mall to grab dinner before you call it a night. Upon entering, you’re greeted by bold, grand, and extravagant decorations in nothing but RED. That could only mean that Chinese New Year is approaching, and it’s time to start shopping for all your needs this season. What you should buy for Chinese New Year Red in Chinese culture is associated with loyalty, success, and happiness. With that said, it is advisable to shop for anything red! Have you been eyeing a certain red cheongsam for the celebrations? Go get it! Red decorations for the house is also a must! These can include red lanterns, couplets for your front door, and even impressive paper cuttings! The most common decoration that most people have in their house is a 福 ‘fu’, which is a chinese character that signifies good luck and happiness. With that said, you should pick one up while you’re doing your Chinese New Year shopping. This decoration item is usually placed upside down, believing that good fortune will descend down onto your homes! You should also remember to do some shopping for when you have to 拜年 ‘bai nian’, or also known as visitations. Visitations are a vital part of the Chinese New Year festivities as it is a time to not only spend time with your loved ones, but to also share the blessings of good fortune with them. Just make sure you don’t gift 4 of the same items as the number 4 is carried with a bounty of bad luck! Have you noticed that the fourth floor in buildings are labelled as “3A” instead? You may think that shopping for Chinese New Year has a strict set of do’s and don’ts, but Chinese culture is also one to not take lightly. Here are a list of items that you should not purchase as well during this festive season. What you should NOT buy for Chinese New Year A little interior designing brings joy to some, and if you’re thinking of spicing up your home for Chinese New Year and want to buy some new decorative items, here are some that you should stay away from as they may bring you more bad luck than good ones! #1 Mirrors Everyone loves a good Chinese New Year OOTD. I personally love seeing my friends and family in their new cheongsam or samfu! However, if you were thinking of spicing up your living space with a new mirror, maybe it's good to give it a second thought as mirrors tend to not only break easily, but breaking things in itself is already a bad omen. #2 Fresh cut flowers A fresh bundle of blooms not only looks pretty, but it also adds a pop of colour for the house. And if you’re hosting an open house this year during Chinese New Year, it’d be a nice centrepiece on the dining table. However, fresh cut flowers are typically for funerals, especially yellow chrysanthemums and flowers that are white in colour, and they represent death. Instead, opt for fake flowers and create your own bespoke centrepiece! #3 Pears If you’re on a grocery run to prepare a wok-hei cook up this Chinese New Year, or even thinking of gifting pears during your visitations, avoid buying fruits such as pears because in mandarin and cantonese it sounds like 离 “Li” and “Lei” which means to have someone leave you, or for a relationship to come to an end. Breakup season was so last year, we don’t need another one when the year has just begun. #4 Books Are you a massive book worm and wanted to get yourself this new novel you saw go viral on TikTok? It’s Chinese New Year, go out and enjoy your time with your loved ones and collect as many red packets while you can! That novel isn’t going to run away and it can wait to be purchased after the festivities are over… Books sound like 输 “shu” (lose) in mandarin, and purchasing books for Chinese New Year signifies that you could be losing fortune. I for one would want all the fortune I can get this Chinese New Year. #5 No sharp objects I don’t think there is anyone in this world who enjoys getting backstabbed by someone who they hold close to their hearts. And while I think most people are aware of this, purchasing sharp objects such as knives or scissors actually signifies the cutting of wealth and relationships. #6 Shoes Shoes in Cantonese sound like a sigh, as it is pronounced as “hai”. Many believe that purchasing shoes during the festive season will lead you to sighing all the time, and who likes to hear that attitude? Do not buy four (4) of the same things In mandarin, the number four sounds similar to the word “death”. As mentioned earlier, you should not buy items amounting to the multiple of fours. As you rush off to your Chinese New Year shopping spree, remember that the choices you make can impact the fortunes of the coming year, and remember to be cautious when considering items like that could potentially bring unwanted energies and superstitions into your life. Wishing you a prosperous and joyous Year of the Dragon! We hope it will be filled with auspicious beginnings and cherished moments with loved ones. Subscribe to our financial newsletter for the latest news, insights, and advice on personal finance, investing, and more. With every email, you’ll gather the confidence and knowledge to make informed decisions to achieve your financial goals.