4 Ways To Invest In Malaysia With Little Money (Only RM100)

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Amanah Saham — https://youtu.be/838oVr-iW5Y

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Bitcoin — https://youtu.be/NONGkx8BKBI

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4 Ways To Invest In Malaysia With Only RM100 (00:00)

In this video, we’ll be going through 4 ways you can invest in Malaysia with only RM100. In fact, some of these investments require only RM1!

Have you always had the feeling that you needed a lot of money to start investing? In our recent video about common investing misconceptions, we mentioned that technological advancements and competitive pressure has made investing so much more accessible to the average Joe!

Before we start, we need to say that an investment of RM100 is not gonna be life changing.

We need to constantly add to this amount and the power of compounding will do its work.

It’s OK if you don’t have a lot of money, but RM100 now and an extra RM50 every month will bring you a long way over a period of 40 years!

So let’s start with the first choice you can make.

1. Amanah Saham (01:41)

Amanah Saham is a great investment tool by PNB that was meant to get Malaysians involved in investing their money. To be in line with this vision, all Amanah Saham funds have a minimum initial investment of only RM10!

In my opinion, Amanah Saham products are one of the best ways to start your investing journey. They have fixed price funds that guarantee your capital and pay out yearly dividends on your invested money. If you’re a Bumiputera, we highly recommend you to go for ASB to maximize your returns.

On top of this, a PNB owned product called Raiz Invest focuses on micro investing and allows you to invest into PNB funds with amounts less than 1 ringgit. We’ll be doing a video reviewing this product real soon so stay tuned!

2. Gold (03:42)

The next investment you can make with a small starting capital is in the ever popular gold. Gold is usually seen as a diversifying investment to make sure your entire portfolio of stocks, bonds, and commodities is balanced.

However, there are still people who invest in only gold! Over the past year, gold’s return has been over 25%, so who am I to say this isn’t the right strategy. Just recently, gold hit all-time highs at just over $2,000 an ounce.

When looking to invest in gold, I recommend doing it as I would any other investment — online. HelloGold is a great app that I’ve heard good reviews from other personal finance enthusiasts. Their minimum initial deposit is only RM1, allowing us to include gold in this list.

3. Robo Advisors (05:13)
What if you wanted to invest in the stock market (Amanah Saham) and in Gold at the same time?

Well Robo Advisors have you covered.

Robo advisors are investment tools that help us invest our money in a diversified portfolio depending on our risk appetite. They’re great for both beginners and knowledgeable investors alike as they aim to remove the emotional aspect of investing.

When using a robo advisor, you don’t have to choose what to invest in. They do it all for you after asking a few questions to determine how risk averse you are.

The best part is, you can own a portfolio of so many different assets with an investment of just RM100. They even cover gold which i mentioned earlier and is our preferred way of getting exposure to the asset.

There are 3 main players in the Malaysian market right now, with StashAway allowing for minimum deposits of RM1 while both Wahed Invest & MyTheo have it at RM100.

Either way, all 3 robo advisors fit in our category of top investments with only 100 bucks.

4. Bitcoin (06:58)

Bitcoin has been generating a lot of hype in the past few years and research has shown that millennials like us are way more attracted to it as an investment vs the Boomers and Gen X’ers.

Bitcoin and gold draw some similarities in terms of the purpose of it’s investment, being a hedge against a devaluing fiat currency. Everything else is pretty different though.

I personally invest in Bitcoin directly and recommend using Luno to do this. It’s a great app with an easy interface and even allows you to transfer Bitcoin to friends.

The minimum investment of only RM3 helps us put Bitcoin as one of the investments Malaysians can make with RM100.

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Видео 4 Ways To Invest In Malaysia With Little Money (Only RM100) канала Millennial Finance