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GuidesSaving & InvestingInvesting BasicsIntroduction to REITS (Part 2)

Introduction 1
- Lecture1.1
  
  Infographic
Deep, deep dive 3
- Lecture2.1
  
  The 6 Key Risks to Understand When Investing in REITs
- Lecture2.2
  
  8 Key Points to Study When Analysing REITs
- Lecture2.3
  
  REITs – An Investment Option Every Malaysian Should At Least Consider

Infographic

Infographic 1 - Multiply -

Next The 6 Key Risks to Understand When Investing in REITs

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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?

I get a monthly salary

I earn a daily wage/I'm a gig worker

I get an income from my business

I get a monthly pension

I get an allowance (e.g. students, housewives, etc.)

I'm unemployed

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

I was earning just enough to cover my monthly expenses

I struggled to cover my monthly expenses

I still had money to save or invest after paying for my monthly expenses

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

It's about the same as before

I'm spending more than before...

I actually spend less now (yes!)

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

I used my credit card more

I didn't use my credit card as much

My credit card spending didn't change

I don't have a credit card

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

I used it to cover my monthly expenses (groceries, rent, home loan repayments, credit card repayments, etc.)

I went shopping and bought some nice things for myself / my family

I saved it for future emergencies

I Invested it

I'm not eligible for BPN aid

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

To cover my monthly expenses (groceries, rent, home loan repayments, credit cards, etc.)

To invest

To buy things I want but don't need

I'm not withdrawing money from EPF

I don't have an EPF account

7. The loan moratorium was helpful for me because:

I used the money for my loan repayment to cover monthly spending

I used the money for my loan repayment to invest

I didn't take the loan moratorium

I don't have any loans

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

I have some spare money so I'm going to buy gifts for myself and my loved ones!

Shopping? What shopping? I'm worried about survival...

I'll buy one or two things if I find good discounts, but mostly focus on essential items

9. Have you planned your budget for 2021?

Yes - I'm all prepared

I don't know how to plan a budget

I don't think it's important

10. How are you preparing financially for 2021?

I don't make enough money to prepare

I'm saving every month to build up my emergency fund

I'm reviewing my savings, insurance and investments to see how I can make more money

I'm not preparing financially - I'll just see what happens

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

Buy what I need, spend a bit on shopping and holidays, then set some aside for savings and/or investments

I'm not earning as much so I'll have to cut back a lot on my spending

I'm going to be more careful with spending and might have to use some savings to help me manage

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

I need to make more money

I need to have savings for emergencies

I need to have insurance

I need to learn how to manage my finances & budget better

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

Build my savings

Invest to make more money!

Stay afloat

Cut down or reduce my debt

I don't have any financial goals

14. In 2021, my biggest financial worry is:

Survival

Sticking to my budget so I can continue to spend less than I earn

I'm not worried - I have a steady job, and enough savings

Where to invest to make the most money, since interest rates are low

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

Planning & budgeting

Saving & investing

Tackling debt

Buying a vehicle or house

Insurance

Retirement planning

Time is Up!

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What’s your finance personality?

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What’s your spending style?

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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...

There's still 5 days 'til I get my salary?!

Who cares - I have a credit card

It's fine, I have a budget and more than enough for the rest of this month

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

Set aside some money from your salary

Borrow from your siblings or parents

Max out your credit card

Use your emergency savings

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

Have to wait 'til you get paid and just drive around in a bashed up car first

Use your emergency savings that you have for a situation like this

Have to use my insurance and lose that no claim bonus!

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

Just pay the minimum amount, enough what

Pay back every single sen!

Whoops, forgot it was due

Credit card?? No thanks, I don't need that piece of plastic

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

Leave it in your savings account. Safer what?

Invest some of it

Visit the nearest shopping mall and give yourself a treat

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

A 9 year loan at 3% interest with monthly repayments of RM530

A 7 year loan at 3% interest with monthly repayments of RM650

A 5 year loan at 3% interest with monthly repayments of RM860

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

Put all your money in one investment that you believe gives the highest returns

Put your money in a few investments because who knows what can happen?

Put all your money in one safe investment because it's safe right

Time is Up!