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8 Easy Ways To Start Investing In Malaysia If You're New To It And Don't Know Anything – SAYS



If you feel like a complete noob and have no idea what to invest in.
By Jeremy Ng — 10 Sep 2021, 01:36 PM

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First things first, you need to know that there is always a risk that comes with investing
While young investors may be attracted to the idea of making a quick profit, the truth is that investment is a long-term commitment. Since there is always a chance you may lose your money, you should only start investing when you are financially stable.
What this means is having an emergency fund (usually three to six months of your salary), having enough for your usual monthly expenses, and still having extra after all that to invest in.
Once that is in place, you can start exploring the different types of investment options.
Here are a few easy ways to start investing in Malaysia:
Commonly known as FD, this is a type of savings that promises a fixed interest rate. One of the safest options for beginners, you'll get a steady return as long as you keep your money in the FD account for a certain period of time.

Withdrawing your FD before it matures will result in a lower interest rate and a possible penalty.

Pros: Easy to open, minimum risk, guaranteed returns
Cons: Cannot withdraw for a fixed period, interest paid at the end of investment period

Who should invest in fixed deposit?
If you are risk-averse and want an easy, safe way to start investing, FD is a good option. It's easy to open an FD account, and some banks offer a minimum investment of RM500. However, take note that the current FD interest rate is quite low (below 2% p.a.).

With unit trust, you put money into a collective investment pool, and a fund manager will use that to invest in a diverse porfolio of assets. You'll get to enjoy returns in the form of dividends or an increase in the value of your investment.

One thing to note is that you'll have to pay management fees, transaction fees, and sales charges (if you have an agent). To lower the cost, you can opt to manage your own funds.

Pros: Low starting capital, diversification of portfolio, suits different risk profiles
Cons: Hard to choose between many options, the fees can add up 

Who should invest in unit trust?
Unit trust is for people who want a long-term, stable, and safe approach to investing. The good thing is that you can start investing from as low as RM100. Find out more by approaching unit trust agents and banks offering unit trusts, or visit online platforms like FSMOne and eUnittrust.

What’s unique is that a portion of your insurance premium goes to life coverage, while the other portion is invested. You can choose the type of funds you want to invest in, and monitor or top up your policy according to your needs. You can also withdraw from your investment account at any time.

Over time, your coverage cost may increase with your age. Instead of raising your premium, the insurance company will deduct money from your investment account.
Pros: Pay one sum to get both coverage and investment, flexibility to choose funds
Cons: No guaranteed returns, higher premium and charges
Who should invest in ILPs?
If you want to get life coverage and start investing, you can kill two birds with one stone thanks to ILPs. However, with the convenience provided, the downside is you’ll probably be getting less value overall. To find out more, you can get in touch with an insurance agent or compare ILPs online.

One of the higher risk investments, you can buy stocks of a company listed on Bursa Malaysia. When you buy a stock, you are basically owning a tiny piece of a company; if it does well, its stock price should go up and pay you dividends.

This type of investment tends to offer a higher return, but is riskier due to market volatility. That's why you should do your research and learn the basics of investing before going into stocks and shares.

Pros: Can be bought and sold easily, income from dividends, high potential return
Cons: Volatile in the short term, takes knowledge and time to analyse stocks

Who should invest in stocks and shares?
Beginners with no knowledge are not advised to invest in stocks right away. However, if you are willing to put in the time to research and analyse potential companies to invest in, the stock market can be a rewarding investment. You can either manage your shares online via a platform like Rakuten Trade or hire a stock broker at a fee to do it for you.
You used to only be able to invest in gold by buying physical gold bars or jewellery. However, with the rise of gold bank accounts and trading apps, you can now invest in gold starting from RM1.

The good thing about gold is that it tends to do well during recessions or when stock prices are volatile. This means gold is a good way to hedge your other investments.

Pros: Good long-term investment, easy to buy, can withdraw as cash or physical gold
Cons: Takes a longer time to appreciate in value

Who should invest in gold?
For those with a low risk appetite and moderate cash reserve, gold is a good long-term investment strategy. However, don't expect to make quick returns. You can check the current gold price on this website, or start investing in gold with HelloGold, Maybank, or other platforms.
Robo advisors like StashAway and MYTHEO have become increasingly popular among young investors because of how simple it is to start investing. A robo advisor is a digital platform that uses algorithms to automate your investment portfolio.

Most of these platforms have a low minimum investment amount, and can be curated based on risk tolerance, investment time period, and goals. Plus, you can deposit and withdraw funds easily with little to no additional cost. Some even allow you to open an FD account with them.

Pros: Passive investing, low fees, diversified portfolio
Limited customisation, you won't be able to control the exact investing methodology

Who should invest using robo advisors?
For young investors who want an easy way to get into investing, robo advisors are user-friendly and minimal hassle. However, savvy investors would most probably prefer to be more hands-on, which is something you won't get with robo advisors. If you decide to go with robo advisors, make sure you choose a reputable platform and find out the fees beforehand.
While most Malaysians contribute to Employees Provident Fund (EPF), PRS offers another avenue of saving up for your retirement. Considered as a long-term investment, you have to wait until you turn 55 to withdraw it completely (you can withdraw a portion of it once a year with an 8% tax penalty).

Nevertheless, PRS is considered one of the safest investment options for your future, on top of being regulated by the Security Commission. You can choose different schemes based on your risk appetite, and a trustee will manage your funds.

Pros: Flexibility in choosing funds and contributions, tax relief up to RM3,000
Cons: Less flexibility in withdrawals before 55 years old

Who should invest in PRS?
PRS is a good investment for those who are planning for retirement, and would not need to withdraw their investments before that. You can start investing in PRS from as low as RM100, and top-up as and when you want to. Sign up directly for PRS online or contact registered PRS consultants to assist you.

Cryptocurrencies are digital currencies powered by blockchain technology. In the past few years, the value of cryptocurrencies have skyrocketed, attracting many investors to try their hand at it. Some of the most popular cryptocurrencies include Bitcoin, Ethereum, Cardano, and Tether.

However, cryptocurrency is a very risky investment, as the prices may fluctuate within a matter of hours. That's why your risk appetite must be high and you should be informed of the digital world trade movement if you want to get into cryptocurrency.

Pros: Potential for high returns, immediate transactions globally, secure blockchain networks
Cons: High volatility, unregulated, requires understanding of the cryptocurrency market

Who should invest in cryptocurrency?
Cryptocurrency is a high risk, high reward kind of investment. If you are willing to learn the ropes and face the unpredictability of the market, you can start by opening an account with cryptocurrency exchanges like Luno and Tokenize Technology, or international ones like eToro.
These are just a couple of investment options to give you an idea of where to start. Besides these, you can also invest in bonds, real estate, and forex just to name a few.
All in all, make sure you do your research before placing your money into any sort of investment. Don't be afraid to ask for help, and be extra careful especially with investment opportunities that sound too good to be true. And if you do it the right way, chances are you'll be rewarded in the long run. 🙂
Ready to start investing? Here are a few more helpful resources:
In this IMHO story, you will learn the fundamentals of cryptocurrencies and how you can start investing in them.
You can set up your Maybank Islamic Gold Account-i (MIGA-i) online in just minutes.
Investments that you can make behind a computer screen, while lounging at home in your pyjamas.
Know nothing about crypto? Here's an easy-to-understand guide!
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How to deal with the Kremlin-created crisis in Europe – Atlantic Council



Our programs and centers deliver in-depth, highly relevant issue briefs and reports that break new ground, shift opinions, and set agendas on public policy, with a focus on advancing debates by integrating foundational research and analysis with concrete policy solutions.
When major global news breaks, the Atlantic Council’s experts have you covered—delivering their sharpest rapid insight and forward-looking analysis direct to your inbox.
New Atlanticist is where top experts and policymakers at the Atlantic Council and beyond offer exclusive insight on the most pressing global challenges—and the United States’ role in addressing them alongside its allies and partners.
A weekly column by Atlantic Council President and CEO Frederick Kempe, Inflection Points focuses on the global challenges facing the United States and how to best address them.
UkraineAlert is a comprehensive online publication that provides regular news and analysis on developments in Ukraine’s politics, economy, civil society, and culture. UkraineAlert sources analysis and commentary from a wide-array of thought-leaders, politicians, experts, and activists from Ukraine and the global community.
MENASource offers the latest news from across the Middle East, combined with commentary by contributors, interviews with emerging players, multi-media content, and independent analysis from fellows and staff.
IranSource provides a holistic look at Iran’s internal dynamics, global and regional policies, and posture through unique analysis of current events and long-term, strategic issues related to Iran.
December 30, 2021
By Eurasia Center
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Editor’s note: Moscow’s buildup of troops on and near Ukraine’s borders and bellicose rhetoric have raised the prospect of a major conventional war in Europe. The phone call today between US President Joe Biden and Russian President Vladimir Putin underscores the dangers of this Kremlin-manufactured crisis. Below is a statement by twenty-five distinguished experts and former senior officials offering their ideas on how to deter Moscow from escalating its current war of aggression against Ukraine and more broadly to discourage Moscow from future provocations. The statement represents the views of the signatories and not of their institutions.
Since President Biden’s virtual summit with President Putin on December 7, Russia has increased its troop presence on or near Ukraine’s borders. Having created this crisis, the Kremlin has demanded security guarantees for Russia that the United States and its allies cannot possibly provide. It has made provocative statements at high levels, including outlandish claims that US private military contractors intend to launch a chemical weapons attack in eastern Ukraine. Moscow wrongly asserts that NATO enlargement has created a military threat to Russia; the Alliance has fully abided by its commitments in the NATO-Russia Founding Act to refrain from deploying nuclear weapons or permanently stationing substantial combat forces on the territory of new member states, despite the fact that Russia has violated many of its own Founding Act commitments, as well as the UN Charter, the Helsinki Final Act, the Paris Charter, and the Budapest Memorandum.
In short, Moscow appears to be setting the stage for launching a major conventional assault on Ukraine, even though the United States and NATO have shown a willingness to sit down and discuss Kremlin concerns.
We believe the United States should, in closest consultation with its NATO allies and with Ukraine, take immediate steps to affect the Kremlin’s cost-benefit calculations before the Russian leadership opts for further military escalation. This means raising the costs that would ensue should the Russian military launch a new assault on Ukraine, building on the excellent set of measures the Biden administration has already laid out: enacting punishing sanctions on Moscow, sending major military supplies to Ukraine, and strengthening NATO’s force posture on its eastern flank.
The administration should continue its good work with the European Union and other partners to ensure agreement on the elements of a response to any Russian assault on Ukraine, regardless of the extent or form of Russia’s escalation. Such a response would include a package of major and painful sanctions that would be applied immediately if Russia assaults Ukraine. Ideally, the outline of these sanctions would be communicated now to Moscow, so that the Kremlin has a clear understanding of the magnitude of the economic hit it will face. In particular, Washington should consult with Berlin and secure German agreement that it would prevent Nord Stream 2 from going into operation in the event of a Russian attack, making clear that otherwise the administration will not again waive sanctions on the pipeline.
The most important thing that the West can do now is to enhance the deterrent strength of Ukraine’s armed forces by providing military assistance and equipment on an expedited basis. For the Kremlin, a large invasion of Ukraine works only if Russian forces are able to seize and hold Ukrainian territory without sustaining significant and constant casualties. Western countries should act now to equip Ukraine’s military and territorial defense units with additional capabilities that can impose such costs.
Western military officials should consult urgently with their Ukrainian counterparts as to what assistance and equipment the Ukrainian military needs and could most quickly integrate into its operations to bolster its defensive strength. Such assistance might include additional Javelin anti-armor missiles and Q36 counter-battery radar systems as well as Stinger and other anti-aircraft missiles. The Biden administration should also encourage NATO allies to do more to enhance Ukraine’s defensive capabilities, making clear that the entire NATO Alliance stands together in opposing Russian aggression.
We believe that NATO should act now to begin bolstering its military presence on its eastern flank and communicating to Moscow that Russia’s escalation would bring a substantial number of US and Allied forces and a permanent presence in the Baltic states and Black Sea region. NATO should also signal to Moscow that any additional deployments could be reconsidered if/when the current crisis abates.
The West should also widen its political counteroffensive to retake the initiative from Moscow as it tries to use the threat of force to intimidate Ukraine, Europe, and the United States into acquiescing to its demands, many of which are plainly unjustified and unacceptable. The Biden administration should seek a Group of Seven (G7) statement at the head of state level condemning Moscow’s threat of wider war against Ukraine and work with allies and partners to use other fora, including the Organization for Security and Cooperation in Europe and possibly the United Nations, to highlight the unacceptability of Russian military action and coercive threats.
The Biden administration should consult with NATO, the European Union, Ukraine, and key allies such as Poland on extensive preparations for dealing with the humanitarian crisis that a major Russian invasion would create.
Finally, the United States and its allies should continue to make clear their readiness for dialogue with Russia, to include concerns of NATO and other parties about Russian military and other aggressive activities. They have indicated that some elements in the Russia-proposed US-Russia treaty and NATO-Russia agreement may offer a basis for discussion and possible negotiation. The United States and NATO should make clear to the Kremlin that it must de-escalate the threatening military situation around Ukraine before there can be any substantive negotiation, and any negotiation must involve all parties whose security interests will be affected. These issues cannot simply be resolved in a bilateral US-Russia channel. Moreover, any negotiation should be consistent with the principles agreed to by all NATO members, Russia, and Ukraine, such as those in the Helsinki Final Act and the Charter of Paris.

Dr. Stephen Blank
Senior Fellow
Foreign Policy Research Institute
General Philip Breedlove, USAF ret.
17th Supreme Allied Commander Europe
Distinguished Professor, Sam Nunn School, Georgia Institute of Technology
Ian Brzezinski
Former Deputy Assistant Secretary of Defense for Europe and NATO Policy
Senior Fellow
Atlantic Council
Debra Cagan
Former US State and Defense Department official
Distinguished Energy Fellow
Transatlantic Leadership Network
General Wesley K. Clark
US Army (ret.)
12th Supreme Allied Commander, Europe
Senior Fellow, UCLA Burkle Center
Dr. Larry Diamond
Senior Fellow, Hoover Institution
Mosbacher Senior Fellow in Global Democracy
Freeman Spogli Institute for International Studies
Stanford University
Ambassador Paula Dobriansky
Former Under Secretary of State for Global Affairs
Vice Chair, Scowcroft Center for Strategy and Security
Atlantic Council
Senior Fellow, Harvard University Belfer Center
Dr. Evelyn Farkas
Former Deputy Assistant Secretary of Defense for Russia, Ukraine, and Eurasia
Ambassador Daniel Fried
Former Assistant Secretary of State for Europe and US Ambassador to Poland
Weiser Family Distinguished Fellow
Atlantic Council
Dr. Francis Fukuyama
Olivier Nomellini Senior Fellow
Center on Democracy, Development and the Rule of Law
Director, Ford Dorsey Masters in International Policy
Freeman Spogli Institute for International Studies
Stanford University
Melinda Haring
Deputy Director, Eurasia Center
Atlantic Council
John E. Herbst
Former US Ambassador to Ukraine and Uzbekistan
Senior Director, Eurasia Center
Atlantic Council
Lieutenant General (Ret.) Ben Hodges
Former Commander US Army Europe
Dr. Donald N. Jensen
Director, Russia and Strategic Stability
United States Institute of Peace
Dr. Andrea Kendall-Taylor
Former Deputy National Intelligence Officer for Russia and Eurasia
Senior Fellow and Director, Transatlantic Security Program
Center for a New American Security
Ambassador John Kornblum
Former US Ambassador to Germany
Senior Adviser (Non-resident), Europe, Russia, and Eurasia Program
Center for Strategic International Studies
Robert McConnell
Former Assistant Attorney General, US Department of Justice
Director External Relations, US-Ukraine’s Foundation’s Friends of Ukraine Network (FOUN)
Ambassador Michael McFaul
Former US Ambassador to Russia
Director, Freeman Spogli Institute for International Studies
Stanford University
Ambassador Steven Pifer
Former US Ambassador to Ukraine
Willian Perry Fellow
Stanford University
Herman Pirchner, Jr.
American Foreign Policy Council
John Sipher
Former Officer and Chief of Station, CIA Clandestine Service
Nonresident Senior Fellow, Eurasia Center
Atlantic Council
Strobe Talbott
Former Deputy Secretary of State
Distinguished Fellow
The Brookings Institution
Ambassador William Taylor
Former US Ambassador to Ukraine
Vice President for Strategic Stability and Security
United States Institute of Peace
Ambassador Alexander Vershbow
Former US Ambassador to Russia
Former Deputy Secretary General of NATO
Distinguished Fellow, Scowcroft Center for Strategy and Security, Eurasia Center
Atlantic Council
Ambassador Kurt Volker
Former US Ambassador to NATO and US Special Representative for Ukraine Negotiations
Distinguished Fellow
Center for European Policy Analysis
UkraineAlert Dec 11, 2021
By Peter Dickinson
One depressing aspect of Russia’s latest military build-up on the Ukrainian border has been the flurry of headlines posing the same question: will Putin invade Ukraine? In reality, Russia has already invaded Ukraine and the war is now in its eighth year.
UkraineAlert Dec 3, 2021
By Oleksii Reznikov
The international community must urgently demonstrate its resolve to punish Russia in order to deter a full-scale invasion of Ukraine that would plunge Europe into chaos, warns Ukrainian Defense Minister Oleksii Reznikov.
UkraineAlert Dec 23, 2021
By Andriy Zagorodnyuk, Alina Frolova, Hans Petter Midtunn, Oleksii Pavliuchyk
Ukraine’s military has undergone a major transformation since the outbreak of hostilities with Russia in 2014 but the changes that have taken place are still not fully assessed or understood.
Institutional affiliations are for purposes of identification only. This post was updated on 1/5/2022 to include an additional signatory.
Related Experts: John E. Herbst, John Sipher, Daniel Fried, Alexander Vershbow, Ian Brzezinski, and Ambassador Paula J. Dobriansky
Image: Russian grenade launcher operators take part in combat drills at the Kadamovsky range in the Rostov region, Russia December 14, 2021. REUTERS/Sergey Pivovarov
© 2021 Atlantic Council
All rights reserved.


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Get More Out of Your Small Business Website with These 10 Tips – Small Business Trends



Your small business website can be one of your biggest assets. But there are so many elements that go into creating a successful site. There’s your content, SEO, marketing, and special features like blogs and ecommerce sections. To make the most of your site, learn from the experts in the online small business community.

Create a Killer Homepage Explainer Video

Your homepage is the perfect spot to give potential new customers an intro to your brand. And video is an amazing way to accomplish this. Learn how in this Pixel Productions post by Natasha Lane. Then head over to BizSugar to see what members are saying.

Niche Your Business and Fix Your Marketing

Your website and other marketing materials are more likely to be effective if you have a clearly defined niche. In fact, many business websites are ineffective because they fail to speak to a specific customer. Learn how to fix your marketing materials with a niche in this Duct Tape Marketing post by Sara Nay.

Improve Your Web Positioning

Web positioning involves creating a digital strategy that includes valuable content on your website and other online content. If you’re looking to improve in this area in 2021, read the trends in this SMB CEO post by Ivan Widjaya.

Get More Opt-Ins from Your Website Content

Content marketing on your website can be an effective way to get opt-ins from potential customers. You may already employ this strategy. But if you’re looking to improve, check out this Content Marketing Institute post by Tom Treanor for tips.

Focus on SEO

Your website can’t make a major impact if no one can find it. So SEO is a must. This concept is especially important for new business websites that want to grow quickly. Tommy Connors elaborates in this post.

Learn These Essential Blogging Lessons

A blog can be a major part of your small business website. Or it could even be your main source of content and revenue. If you’re just starting out with this concept, you’ll quickly learn some lessons. Ryan Biddulph shares some in this Blogging From Paradise post.

Consider the Importance of Backlinks

Your website can grow exponentially if other sites link to you. This strategy can be especially effective if you can get backlinks from sites with authority. Even B2B businesses can grow with this strategy. Learn more from this UpCity post by David J. Brin.

Reap the Benefits of Owning an Online Store

Plenty of businesses operate online stores. But even if you’re not specifically running an ecommerce business, an online store may be beneficial. Lisa Sicard of Inspire to Thrive shares why in this post. And BizSugar members offered their input here.

Use IaaS to Grow Your Ecommerce Site

Infrastructure-as-a-service, or IaaS, offers a way to use cloud technology to improve your website. This can be especially beneficial for ecommerce businesses. Read about this concept from Neil Patel here.

Use Website Data to Discover Missed Sales Opportunities

Your website isn’t just a marketing tool. You can also use it to learn more about your customers. In this Search Engine Watch post, Joe Dawson goes over how to use data from your website to make more sales.
If you’d like to suggest your favorite small business content to be considered for an upcoming community roundup, please send your news tips to:

Image: Depositphotos 6 Comments ▼

Hello Annie,
Thanks for sharing these helpful tips to grow a small business website. In this competitive online world we need to be vigilant about new techniques and strategies.
Vishwajeet Kumar
This is an excellent post. Every small business must strive to upgrade their knowledge in the ever changing competitive internet world.
These tips are amazing, thanks for sharing. I would like to add one micro tip which is not even in the checklist of many developers but adding this will definitely increase the session time of the user is website view mode, yes you can provide an option for dark mode and light mode that will let them see the wat they wan to see. I hope this will help 🙂
wow excellent post. small businesses must read this to understand and gain an edge in the world out there. thanks for sharing this article
So much useful information in your article. This is going to help me a lot. Thanks for these very informative posts about the business website.Good Luck with the upcoming update!
Valuable information in your post, This is a great way to grow your small business, Thanks for this impressive post.
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Four Indian nationals, including a BABY and teenager, froze to death in -40 blizzard – Daily Mail




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