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    • 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

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      Saving & Investing

      Should You Contribute More to EPF? 1 - Multiply - Saving & Investing
      29 March

      Should You Contribute More to EPF?

      • Posted by Multiply
      • Categories Saving & Investing

      Azlan just graduated and got a job as an executive in a start-up company. He noticed that his retired parents are now very careful with their money because they didn’t save enough in their retirement fund. They have to rely …

      Read More
      Where can I get help if I'm struggling financially? 5 - Multiply - Saving & Investing
      13 February

      Where can I get help if I’m struggling financially?

      • Posted by Multiply
      • Categories Blog, Planning & Budgeting, Saving & Investing

      Many people in Malaysia are currently experiencing the effects of the rising cost of living. The cost of daily necessities like food, housing, transportation, education, and healthcare has increased and is putting a strain on many households. Some families, particularly …

      Read More
      A Beginner’s Guide to Crypto in Malaysia 7 - Multiply - Saving & Investing
      24 August

      A Beginner’s Guide to Crypto in Malaysia

      • Posted by Multiply
      • Categories Saving & Investing

      References: https://www.forbes.com/sites/nicolelapin/2021/12/23/explaining-cryptos-volatility/?sh=5bc4f01f7b54 https://www.investopedia.com/articles/investing/052014/why-bitcoins-value-so-volatile.asp#:~:text=Bitcoin’s%20price%20fluctuates%20because%20it,together%20to%20create%20price%20volatility. https://www.jika.io/blog/Fear%20and%20Greed%20Index%3A%20What%20is%20it%20and%20How%20to%20Use%20it https://www.theedgemarkets.com/article/sophisticated-scams-robbed-over-us77b-worth-cryptocurrencies-victims-globally-2021 https://discover.luno.com/can-i-buy-half-a-bitcoin/

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      How Do You Respond to Inflation? 9 - Multiply - Saving & Investing
      21 July

      How Do You Respond to Inflation?

      • Posted by Multiply
      • Categories Planning & Budgeting, Saving & Investing
      Read More
      Affected by the floods? Here’s your one-stop guide for relief and assistance 11 - Multiply - Saving & Investing
      21 January

      Affected by the floods? Here’s your one-stop guide for relief and assistance

      • Posted by Multiply
      • Categories Saving & Investing, Tackling Debt

      The recent widespread flooding seen in many states in Malaysia is one of the worst ever experienced by the country. Estimates of damage to households and private property and damage sustained by businesses and industries including the destruction of shops, …

      Read More
      Kickstart Your Savings With The 52 Week Challenge 13 - Multiply - Saving & Investing
      05 January

      Kickstart Your Savings With The 52 Week Challenge

      • Posted by Multiply
      • Categories Planning & Budgeting, Saving & Investing

      How To Save RM1,400 in One Year With 2022 kicking in, now would be a good time to start planning your finances for the year. Why not think about saving more by doing the 52-week savings challenge? It’s simple – …

      Read More
      If You're a Senior Citizen, Watch Out for These Financial Scams 15 - Multiply - Saving & Investing
      02 December

      If You’re a Senior Citizen, Watch Out for These Financial Scams

      • Posted by Multiply
      • Categories Planning & Budgeting, Saving & Investing

      Watch Out for These Financial Scams Targeting Seniors! With people making more online transactions during the Covid-19 pandemic and people generally always wanting to make more money, especially in this uncertain time, we’re even more likely to come across scams …

      Read More
      What Are Dividend Shares? 17 - Multiply - Saving & Investing
      24 November

      What Are Dividend Shares?

      • Posted by Multiply
      • Categories Saving & Investing

      A content collaboration between Multiply and Bursa Malaysia Are you interested to invest in the stock market but aren’t ready to take on too much risk? Well, dividend shares are one way for you to get returns from investing in …

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      3 Things to know about investing in Exchange Traded Funds (ETFs) 21 - Multiply - Saving & Investing
      07 October

      3 Things to know about investing in Exchange Traded Funds (ETFs)

      • Posted by Multiply
      • Categories Saving & Investing

      A content collaboration between Multiply and Bursa Malaysia Exchange traded funds (ETFs) are similar to unit trusts, as they are also a basket of securities (like shares) which you can buy or sell on Bursa Malaysia. But, unlike unit trusts, …

      Read More
      Video: What are dividend shares? 25 - Multiply - Saving & Investing
      01 September

      Video: What are dividend shares?

      • Posted by Multiply
      • Categories Saving & Investing

      Movements in the stock market can make dividend stocks seem like safer options for investors to invest in . But what are Dividend Shares? Watch this video to find out!

      Read More
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      How To Clear Your Debts Using The Debt Avalanche Method 27 - Multiply - Saving & Investing
      How To Clear Your Debts Using The Debt Avalanche Method
      20Jul2023
      OPR Hikes: Win or Lose? Here's How You Can Come Out Ahead 29 - Multiply - Saving & Investing
      OPR Hikes: Win or Lose? Here’s How You Can Come Out Ahead
      22May2023
      New to financial planning? What should I do? 31 - Multiply - Saving & Investing
      New to financial planning? What should I do?
      05May2023

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      Baru-baru ini, Bank Negara Malaysia (BNM) telah na Baru-baru ini, Bank Negara Malaysia (BNM) telah naikkan kadar OPR ke 3%! 😱Tiap kali OPR naik, ramai akan risau. Tetapi apakah kesan sebenar kenaikkan OPR? 🤔Ada yang kata tak bagus, ada yang kata bagus kesannya. Dalam video ini, kami bongkarkan kebenaran tentang OPR yang ramai telah salah faham. Dan jika anda ingin mengetahui cara anda boleh bertindak balas secara positif terhadap kadar OPR baharu, tekan link di bio untuk membaca artikel terbaru kami yang mengandungi langkah-langkah yang boleh diambil supaya kadar OPR tidak menjejaskan kehidupan seharian kita.#OPRNaik #OPRhike #BNMOPRhike #interest #interestrate #banks #financialjargons #financialplanning #financialgoals #financialliteracy #financialeducation #personalfinance #multiplymalaysia #malaysia
      The excitement of Coldplay live in KL is hard to r The excitement of Coldplay live in KL is hard to resist, but ticket prices are high, leaving many of us feeling #FOMO for not being able to afford it. To go or not to go? That's the question we're all pondering...Before making that decision, ask yourself, “Can I afford this or will I overspend just to keep up with my friends?” The truth is, self-esteem and peer pressure are among the potential main factors that drag youths into financial trouble at an early age. According to financial consultant Shamsuddin Abdul Kadir, most students tend to overspend to appear as equals with their peers despite being in a fragile financial position.So, before making a rash decision to purchase those exorbitant #ColdplayinKL tickets that could lead you to further financial burdens, read on for some quick tips on handling financial peer pressure and to put your financial well-being first! #ColdplayinKL #ColdplayMY #financialplanning #financialgoals #financialliteracy #financialeducation #personalfinance #multiplymalaysia #malaysia
      "Bank Negara Malaysia raised the OPR to 3%? So, wh "Bank Negara Malaysia raised the OPR to 3%? So, what?"I'm sure many of us are confused and rolling our eyes to yet, another financial jargon to understand! But the thing about changes in the OPR is that it affects the living standards of every one in Malaysia. Thus, the OPR or Overnight Policy Rate, is an important concept for Malaysians to comprehend so that we can make better financial decisions moving forward. We've simplified the definition just for you! Swipe right to learn more.#OPR #OPRhike #BNMOPRhike #interest #interestrate #banks #financialjargons #financialplanning #financialgoals #financialliteracy #financialeducation #personalfinance #multiplymalaysia #malaysia
      Do you find yourself scratching your head, wonderi Do you find yourself scratching your head, wondering where all your hard-earned money has disappeared to? It’s easy to get carried away with spending and paying bills these days, especially when payday comes around.The good news is that you can get your finances back on track by utilising a monthly budget worksheet! Don’t have one? No worries! Multiply’s monthly budget worksheet is the perfect tool to help you break down your monthly income and expenses, so you can have a clearer overview of your budget.Whether you’re saving up for a vacation, trying to pay off debt, or just want to have more financial freedom, our worksheet is the perfect place to start. Click the link in our bio to download the worksheet! #budgetworksheet #financialliteracy #financialeducation #multiplymalaysia #budgeting #savings #personalfinance #budgetingtips

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      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?
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      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...
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