investing Archives - Ringgit Oh Ringgit

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investing

24 ^th
April

10 Best Books to Learn About Investing, According to Malaysians (With Video Summaries)

Posted by Suraya - 3 Comments

Spoiler alert: the best books to learn about investing will never teach you about getting rich fast and making quick money.

Instead, they almost always focus on playing the long game, discussing the right mindset and building a strong foundation in understanding fundamentals, like how the economy works.

At least, that’s what I learned when I asked for best book recommendations specific to investing in a personal finance group. It was kind of a humble pie moment – I thought I read a lot, but I’ve only read one out of the 10 books on this list!

For your (and my) benefit, I’ve compiled the recommendations here, along with their video summaries. Here are some best books to learn about investing, suitable for beginners as a starting point all the way to experts to use as refresher material.

#1 – Rich Dad, Poor Dad by Robert Kiyosaki

12 ^th
November

Roasting Different Types of Investments in Malaysia (Everything That Sucks About Them)

Posted by Suraya - 11 Comments

For non-Millennials out there, I don’t mean ‘roasting’ like cook chicken like that. I mean ‘roasting’ as in giving snarky comments.

Hold my earrings, my inner bitch persona is coming out. Enjoy this post roasting the different types of investments you can get in Malaysia.

24 ^th
April

What No One Tells You About Investing in Malaysia

Posted by Suraya - 2 Comments

Here are some of the things you always hear about investing: it’s important, you should do it early, and you shouldn’t put all your money in just one basket (one type of investment vehicle).

I’m not going to focus on that here. This article is all about what people don’t tell you about investing in Malaysia. Or not enough, anyway.

07 ^th
November

6 Things to Know When You’re Investing for the First Time

Posted by Suraya - 7 Comments

The other day, someone wrote to me. She asked, ‘Suraya, can you do a post about getting over one’s nerves when investing for the first time?‘

09 ^th
May

“I just want to invest… what does these investment terms even mean?”

Posted by Suraya - 4 Comments

Investment is such a loaded word. It covers a wide area, I guess similar to the word ‘science’. If you’re not from that world, reading content about it is likely to make you confused at some point or another. You need A to understand B to understand C to understand D. This is why beginners find investing intimidating in the beginning.

What I’m going to attempt in this article is to kind of explain those investment terms using analogies, examples, and memes. I’m covering: Technical analysis, fundamental analysis, hedge, arbitrage, ROI, equity, options, futures, IPO, ICO, bull and bear market, and pump-and-dump.

Disclaimer: not a financial expert. If any of my personal understanding below is wrong, please comment and I’ll edit.

09 ^th
March

4 Things Guys Can Do For Women

Posted by Suraya - 5 Comments

I don’t shout out this fact often, but I used to work at an international women’s rights organisation. I can answer most questions you have about women’s human rights, or at least point you in the right direction.

Personal activism is important to me, and I try to implement the lessons I learned during working in NGOs in this blog, in a way that is non-discriminatory to all. I hope that showed through.

If you haven’t noticed, the subject I am most passionate about is financial literacy. In this post I want to invite you to do some personal activism to help the gender that tends to be both overworked and underpaid. Women, in general, earn less than men, retire/stop working earlier than men, and has a longer retirement period to worry about (longer life expectancy). This post is written for the male reader in mind, but I invite everyone to do their part.

Here are 4 things guys can do for women in their lives.

#1 Talk to her about investing

17 ^th
November

How I Will Be Managing My Money During Trump Presidency

Posted by Suraya - 6 Comments

money during Trump

Like many people around the world, I’m disappointed by Trump’s win in the U.S. elections. Personal reasons aside, what’s done is done. But as it stands, the ripple effect of Trump’s presidency will be felt worldwide, even for us Malaysians who literally live halfway across the world.

My personal opinion is that Trump’s selfish ~~America-first~~ privileged white people-first economic plan won’t work, and even if it did, it would be to the expense of the rest of us global citizens. A group of 370 economists – including not one, but eight Nobel-prize winners think that his plan is crap, too.

Still. If we can’t change his plan, we can still plan around it, until a better U.S. president comes along. This is how I plan to manage my money during Trump presidency for the next four years. I divided this post into three aspects of money management: spending, investing and earning money.

18 ^th
May

How to spot investment that are actually investment scams

Posted by Suraya - 33 Comments

You know you gotta invest. That’s how you can achieve financial freedom. But dude, there’s way, WAY too many investment options out there. Some are legit, some are not. How do you know which ones are investment scams?

As someone who reads/works/writes about finance, I like to think that I can make that snap judgement whether an investment opportunity is legit or not. The last thing I want is an ‘investment’ that actually scams me out of my money, you know? In a Lowyat thread I was recently reading, this girl was lamenting her father’s tendency to get sucked into such ‘investments scams’, which resulted in him losing much of his money. Fella’s retired, too 🙁 My heart breaks for this girl.

So I thought, Imma write about what I know about spotting un-legit investments.