• Home
  • About Us
  • Guides

    Savings Calculator to calculate savings goals and basic savings projections

    Planning & Budgeting

    Investment Returns Calculator to calculate investment returns, investment comparisons and investment portfolio simulator

    Saving & Investing

    Guides to tackle financial debts in Malaysia for Free

    Tackling Debt

    Free Guides on Choosing and purchasing a vehicle in Malaysia

    Buying a Vehicle

    Free Guides on Purchasing a Home in Malaysia and avoiding crippling debt

    Buying a Home

    Free Guides On purchasing insurance in Malaysia safely

    Insurance

    Free guides to ensure a comfortable Retirement by planning your retirement

    Retirement

    All Guides Icon

    All Guides

  • Guides
    • Planning & Budgeting
    • Saving & Investing
    • Buying a Home
    • Buying a Vehicle
    • Tackling Debt
    • Insurance
    • Retirement
  • Calculators
  • Blog
  • Take Quiz
    • English
    • Bahasa Malaysia
    Have any questions?
    hello@multiply.org.my
    RegisterLogin
    MultiplyMultiply
    • Home
    • About Us
    • Guides

      Savings Calculator to calculate savings goals and basic savings projections

      Planning & Budgeting

      Investment Returns Calculator to calculate investment returns, investment comparisons and investment portfolio simulator

      Saving & Investing

      Guides to tackle financial debts in Malaysia for Free

      Tackling Debt

      Free Guides on Choosing and purchasing a vehicle in Malaysia

      Buying a Vehicle

      Free Guides on Purchasing a Home in Malaysia and avoiding crippling debt

      Buying a Home

      Free Guides On purchasing insurance in Malaysia safely

      Insurance

      Free guides to ensure a comfortable Retirement by planning your retirement

      Retirement

      All Guides Icon

      All Guides

    • Guides
      • Planning & Budgeting
      • Saving & Investing
      • Buying a Home
      • Buying a Vehicle
      • Tackling Debt
      • Insurance
      • Retirement
    • Calculators
    • Blog
    • Take Quiz

      Insurance

      2 Initiatives Every Housewife and Married Woman Shouldn’t Ignore 1 - Multiply - Insurance
      31 March

      2 Initiatives Every Housewife and Married Woman Shouldn’t Ignore

      • Posted by Auditor
      • Categories Retirement, Insurance

      2 Initiatives (i-Sayang & SKSSR) Every Housewife and Married Woman Shouldn’t Ignore If you’re a housewife or a married woman without formal employment, you might think there’s not much you can do when it comes to financial protection or retirement …

      Read More
      Should You Get Flood Insurance for Your Car? 11 - Multiply - Insurance
      13 January

      Should You Get Flood Insurance for Your Car?

      • Posted by Multiply
      • Categories Insurance

      When you buy a car, it is compulsory for you to insure it. A regular motor insurance policy would usually cover the cost of repairs or give you compensation in case of an accident, theft or fire. But with the …

      Read More
      3 Insurance Plans You Need To Get Now To Protect Your Older Self 13 - Multiply - Insurance
      19 November

      3 Insurance Plans You Need To Get Now To Protect Your Older Self

      • Posted by Multiply
      • Categories Insurance, Planning & Budgeting, Retirement

      3 Insurance Plans You Need to Get Now to Protect Your Older Self Many of us know that having insurance is important. But, the timing of when you get the insurance is just as important. Your cost and ability to …

      Read More
      Here’s Why You Need Your Own Medical and Covid-19 Insurance 17 - Multiply - Insurance
      08 September

      Here’s Why You Need Your Own Medical and Covid-19 Insurance

      • Posted by Multiply
      • Categories Blog, Insurance

      I don’t know about you, but whenever anyone mentions insurance, my brain just shuts down. I’m young, I have a great job and my employer covers my medical insurance. Even after Covid-19 happened, I didn’t really think much about it. …

      Read More
      What Government Insurance Schemes Can You Get? 19 - Multiply - Insurance
      14 April

      What Government Insurance Schemes Can You Get?

      • Posted by Multiply
      • Categories Insurance, Blog

      Malaysian Government Insurance Schemes: mySalam and Perlindungan Tenang The COVID-19 crisis has made us more aware that insurance is important. If you get a major illness, treatment in a private hospital can be expensive. Although public healthcare is cheaper, there …

      Read More
      Should You Get Flood Insurance for Your Car? 21 - Multiply - Insurance
      10 February

      Should You Get Flood Insurance for Your Car?

      • Posted by Multiply
      • Categories Insurance

      When you buy a car, it is compulsory for you to insure it. A regular motor insurance policy would usually cover the cost of repairs or give you compensation in case of an accident, theft or fire. But with the …

      Read More
      What Microinsurance Plans Can You Get? 23 - Multiply - Insurance
      28 December

      What Microinsurance Plans Can You Get?

      • Posted by Multiply
      • Categories Insurance

      With more and more microinsurance policies out there, it can be confusing to decide on the right one for you. Microinsurance plans also only provide coverage for specific events, so you should look at each plan carefully to be sure …

      Read More
      Introduction to Microinsurance/Microtakaful 25 - Multiply - Insurance
      30 July

      Introduction to Microinsurance/Microtakaful

      • Posted by Multiply
      • Categories Insurance

      Microinsurance & Microtakaful in Malaysia Many Malaysians—especially those in the B40 group or working informal jobs—don’t have access to traditional insurance because it can be expensive or complicated. That’s where microinsurance and microtakaful come in. These are affordable, low-premium protection …

      Read More
      Gig Worker Looking for Medical & Financial Protection? Sign up for SESSS! 27 - Multiply - Insurance
      30 June

      Gig Worker Looking for Medical & Financial Protection? Sign up for SESSS!

      • Posted by Multiply
      • Categories Insurance

      SESSS Malaysia: Medical & Financial Protection for Gig Workers If you’re a gig worker or self-employed, chances are you don’t have formal medical or financial protection. Whether you’re delivering food, offering services, or freelancing online, accidents and unexpected situations can …

      Read More
      Help! My Best Friend Tried To Sell Me Insurance! 29 - Multiply - Insurance
      24 June

      Help! My Best Friend Tried To Sell Me Insurance!

      • Posted by Multiply
      • Categories Insurance

      Help! My Best Friend Tried to Sell Me Insurance! Recently, I met my best friend for coffee after a long time. She looked excited and said she had big news to share. But instead of announcing a new job or …

      Read More
      • 1
      • 2
      • >

      Search

      Latest Posts

      Gross vs Net Salary_Feature Image
      Gross Salary vs Nett Salary: Know Their Differences And How To Calculate Them
      03Mar2025
      Payslip_Feature Image
      Multiply Explains: How To Read Your Payslip & Why Is It Important
      04Oct2024
      Managing Income_Feature Image
      Stories From Young Adults: Budgeting & Saving On RM2,000 Salary
      01Oct2024

      GUIDE CATEGORIES

      • Planning & Budgeting
      • Saving & Investing
        • ETFs
        • Unit Trust
        • Stocks
        • Investing Basics
        • Fixed Deposits
        • Savings
      • Tackling Debt
      • Buying a Vehicle
      • Buying a Home
      • Insurance
      • Retirement
      • Spotting Scams

      Latest Guides

      Multiply Guides: How To Read Your Payslip & Why Is It Important?

      Multiply Guides: How To Read Your Payslip & Why Is It Important?

      Multiply Guides: Staying Safe & Protecting Your Money Against Scammers

      Multiply Guides: Staying Safe & Protecting Your Money Against Scammers

      Multiply Guides: Everything You Need To Know About The EPF (Part 2)

      Multiply Guides: Everything You Need To Know About The EPF (Part 2)

      STAGE OF LIFE

      • Student
      • Families
      • Working Adults
      • Retirees

      Don't miss out, join our mailing list

        newsletter-subscribe-multiply

        logo-multiply-learn-investing-for-free

        hello@multiply.org.my

        Information

        • Home
        • Blog
        • About
        • Contact

        Categories

        • Planning & Budgeting
        • Saving & Investing
        • Tackling Debt
        • Buying a Vehicle

        Categories

        • Buying a Home
        • Insurance
        • Retirement
        • All Guides

        Instagram Feed

        🚨Jadi antara yang terawal untuk cuba laman web 🚨Jadi antara yang terawal untuk cuba laman web Multiply yang serba baharu!Kami sedang mencari rakyat Malaysia yang berumur 20-35 tahun untuk menguji laman web terbaharu kami.💡Akses awal💬 Maklum balas jujur📈 Bantu kami tambah baikTap pada link di bio untuk mendaftar sekarang!- - - - - -🚨Be the first to experience the all-new Multiply page!We’re looking for testers aged 20-35 to try our new website and tell us what you think.💡Early access💬 Honest feedback📈 Real impactTap the link in our bio to sign up now!#Finance #PersonalFinance #financialliteracy #Testers #Multiply
        ✨ 2025, we see you! ✨ Selamat Tahun Baru, Mul ✨ 2025, we see you! ✨Selamat Tahun Baru, Multipliers! 🎉 Here’s to leveling up, smashing goals, and keeping that duit game strong 💸🔥New year, new vibes, but still the same Multiply fam ready to support you every step of the way. 💪What’s your big goal for 2025? 👀 Drop it in the comments—let’s make it happen together! 🚀#MultiplyMY #NewYearVibes #2025HereWeCome
        As 2024 wraps up, let's look back at all we accomp As 2024 wraps up, let's look back at all we accomplished together, Multipliers! 🎉From our top 5 articles to the most popular tools on our site—korang memang power! 💪 THANK YOU for an amazing year 🫶Psst... 2025 is bringing something HUGE 🤫 Stay tuned and hold on to that hype! 🚀#MultiplyMY #MultiplyWrapped #2025Excitement
        We’re focused on enhancing your experience and b We’re focused on enhancing your experience and bringing you exciting updates tailored just for you.Stay tuned—we can’t wait to share what’s coming next!If you have any questions or need assistance in the meantime, feel free to reach out to us at hello@creador-foundation.com. Thank you for your support—we’re excited to reveal what we’ve been working on soon!

        Multiply by Creador Foundation.

        • Privacy
        • Terms
        • Sitemap

        Facebook Google

        Login with your site account

        12 − 11 =

        Lost your password?

        Not a member yet? Register now

        Register a new account

        fourteen + fifteen =

        Are you a member? Login now

        popup

        scam quiz_types of scams

         

        Are you a Scam Buster, Scam Sniffer, or New Learner? Test your knowledge on scams and see if you can best the fraudsters!

        Ready for the quiz? Click on "Start Quiz" to begin.

        1. 
        Let's start! Someone you’ve been dating online (and have never met in real life!) said they sent you a package. But, you need to pay a clearance fee through a “Customs” website to collect it. Will you do it?

        2. 
        You get an email asking you to reset your bank account password because someone tried to hack it. What do you do?

        3. 
        An officer calls you and says that your details have been used for money laundering. To avoid getting into more trouble, you need to pay a fine of RM10,000 and transfer it to a bank account. What should you do?

        4. 
        A company in Jakarta is pressuring you to make an investment quickly, but you can't find enough info about it online. Would you invest?

        5. 
        Someone who claims to work for a charity body asks you for a donation to help recent flood victims. They even show you photos of the victims as proof. Would you donate?

        6. 
        A stranger in a WhatsApp group offers you a part-time job that pays RM5,000 a month, but you need to pay a down payment before starting. Will you take it?

        7. 
        Someone wants to rent your bank account. They offer to pay you RM500 for every transaction they make. Do you accept the offer?

        8. 
        A caller from an unknown number who sounds like your boss asked you to transfer RM10,000 to an unfamiliar account. What will you do?

        9. 
        A seller on Mudah.my is selling a newly released mobile phone at 90% discount. However, you must make an immediate payment to book the deal. What would you do?

        10. 
        You saw an Instagram ad promoting cheap cleaning services from an agency. When you chat with them, they ask you to download an APK file to book your appointments. Should you do as instructed?

        clock.png

        Time's up

        Language :

        • English
        • Bahasa Malaysia

        Take our quizzes!



        What’s your finance personality?

        Latest


        What’s your spending style?

        Language :

        • English
        • Bahasa Malaysia

        Whats Your Finance Personality?

        Find out if you’re a Money Boss, Finance Cadet or a Finance Newbie by taking this quiz!

        1. It's the end of the month, you are thinking...

        2. Say you want to go shopping for fun, do you...

        3. So you crashed your car and it's going to cost RM1,000 to fix, you

        4. Your credit card statement is in and your reaction is

        5. After months of saving (see "sikit -sikit, lama-lama jadi bukit" really is true), you've got cash sitting in the bank. You then

        6. You're buying a new car (yes, imagine away - Toyota, Proton, or BMW). You take

        7. You are thinking of investing. What do you do...

        clock.png

        Time's up

        Language :

        • English
        • Bahasa Malaysia

        What's your spending style?

        Managing our spending can be tricky business. So tell us how you spend your money and we'll help you figure out how to make the most of it!

        1. 
        How do you earn money?

        2. 
        How were you managing your finances before COVID-19 hit?

        3. 
        How has COVID-19 affected your spending overall?

        4. 
        How did the movement controls (MCO/CMCO) affect your credit card spending?

        5. 
        If you received Bantuan Prihatin Nasional (BPN) assistance, how did you use it?

        6. 
        If you're taking money from your EPF account during the MCO/CMCO (under i-Lestari), how are you using it?

        7. 
        The loan moratorium was helpful for me because:

        8. 
        The holiday season is just around the corner. What do you have planned for year-end shopping?

        9. 
        Have you planned your budget for 2021?

        10. 
        How are you preparing financially for 2021?

        11. 
        How do you think you'll manage your money in 2021?

        12. 
        What do you think you need most to improve your finances in 2021?

        13. 
        In 2021, my top financial goal is to:

        14. 
        In 2021, my biggest financial worry is:

        15. 
        In 2021, which areas of personal finance would you like to learn more about?

        clock.png

        Time's up