When will Raiz give the free RM 10 if I sign up under the referral code?

Raiz as professional manager help u invest

Hi Anas Mahmood, here are some Investing and Economic insights:

What is an Asset Class? Apa itu kelas asset?

When you invest in something, that “something” is an asset. Apabila anda melabur dalam sesuatu, "sesuatu" itu adalah aset.

There is different type of investment assets. Generally, they are (with examples); Terdapat pelbagai jenis aset pelaburan. Secara amnya, ia adalah (dengan contoh);

1. Equity Ekuiti

Shares or stocks. Some can be bought / sold publicly on the stock exchange like Bursa Malaysia, some are “private equity”. Saham. Sebahagiannya boleh dibeli / dijual secara terbuka di bursa saham seperti Bursa Malaysia, ada juga yang "ekuiti swasta".

2. Bonds / Sukuk Bon / Sukuk

You are lending money to the government or a company, and paid interest on the loan. Anda meminjamkan wang kepada kerajaan atau syarikat, dan membayar faedah pinjaman.

3. Real Estate Hartanah

Houses, lands, REITs. Rumah, tanah, Amanah Pelaburan Hartanah (REIT).

4. Commodities Komoditi

Gold, Palm oil. Emas, minyak sawit.

5. Digital Assets Aset digital

Crypto currency for example Bitcoin, Ethereum. Mata wang kripto seperti Bitcoin, Ethereum.

6. Cash Tunai

Cash, fixed deposit. Tunai, deposit tetap.

7. Others Lain-lain

Paintings. Lukisan.

Your Raiz investment portfolio (Aggressive / Moderate / Conservative) is investing in these asset classes through unit trust funds. Portfolio pelaburan Raiz anda (Agresif / Sederhana / Konservatif) melabur dalam kelas-kelas aset ini melalui dana unit amanah.

here are some Investing and Economic insights:

Robo advisors are digital platforms that automate the process of investing and managing money on your behalf – powered by algorithms based on your investing goals and risk tolerance – with little to no human supervision.

So, what’s good about it?
No Emotions involved
Emotions are what make us humans (and they’re great), but they often lead to poor decisions when it comes to investing. Emotional buying and selling are often triggered by the market’s ups and downs. Warren Buffet once said, “If you cannot control your emotions, you cannot control your money.”

Ringgit Cost Averaging can be the best investment approach you can do by setting aside a small but regular amount of money on a regular basis. This clearly will avoid buy and sell based on sentiments and emotions.

With Raiz, you can set up easily to invest daily, weekly, fortnightly or even monthly.
Low fees
Robo-advisors typically charge significantly lower fees than traditional advisors do.

Raiz, for example, charge a simple fee of RM1.50 for account balance with less than RM6,000 (or 0.025% per month for account balance more than that). There is no sales charge, no withdrawal fees, and it’s always free to move money in and out of Raiz account!
Automatic portfolio rebalancing
Rebalancing portfolio to ensure that asset allocations are maintained even after markets move is generally time consuming and typically would generate some costs.

Robo advisors like Raiz help to monitor and rebalance your portfolio automatically at no additional cost.
Diversification
Robo Advisors often offer a diversified portfolio. This means investors have reduced concentrated exposures to a given sector, asset class, or investment style. It will spread and lower your investment risk which means you won’t be greatly affected if a particular sector performs badly.

Definition of the Week:
Ringgit Cost Averaging
Investing a fixed amount at regular schedule at your own pace and comfort regardless of the purchase price so you will get more when the price is low, and lesser when the price is high.


This post has been edited by AnasM: Jan 10 2021, 02:36 PM