investment Archives - Ringgit Oh Ringgit

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investment

06 ^th
February

[SPONSORED] I Asked Hard Questions to the CEO of Funding Societies Malaysia

Posted by Suraya - 14 Comments

What does Mr-Stingy, Dividend Magic, KC Lau, Blackbelt Millionaire and myself have in common? Aside from the fact that we all maintain websites with personal finance content, that is.

All of us do P2P financing as one of our investments. We lend money to companies.

In particular, and most strikingly, all of us chose Funding Societies Malaysia as the P2P financing platform of choice (note: referral code. You get RM50, I get RM50).

My experience with Funding Societies Malaysia so far

(scroll down if you just want to read the interview with Kah Meng)

When Funding Societies Malaysia contacted me for a collaboration opportunity, I was excited. I was already an existing user, with RM10,000 in my account.

23 ^rd
January

[SPONSORED] 4 Things I Learned from Kenanga’s Investment Event

Posted by Suraya - No Comments

On 12 January 2019, I attended an investment event organised by multi-award winning Kenanga Group. The name intrigued me right from the start – you don’t come across something like Market Outlook Symposium 2019: Smart Investing or Dare Betting? every day. Held from 9am-2.30pm, the event packed in five speakers (and a lunch break). You can check the agenda of the day and speakers’ profiles here.

I had fun live-tweeting the whole event. Click on the Twitter thread below to read 50+ tweets giving play-by-play account of each speaker’s presentation. Among others, you’ll find stock picks by Kenanga Investment Bank’s Head of Research, a warrants trading tool (that may help you get double-digit ROIs), what to do with your money during bear markets and more.

I’m seated and ready to live-tweet #KenangaGroup‘s #MarketSymposium2019 event, starting soon! Follow and RT this thread for investment outlook in 2019 pic.twitter.com/KcvRakWrce

— Suraya Zainudin (@surayaror) January 12, 2019

Here are some things I learned from the event. Some commentaries are not specific to the event itself, but an overview of the general investment events scene in Malaysia. This article is sponsored by Kenanga, but all opinions are mine.

#1 – The Kenanga-organised event… exceeded expectations

19 ^th
November

3 Investments Where I Lost All of My Money

Posted by Suraya - 17 Comments

Want to know a secret? Everyone makes mistakes during our investment journey. Sometimes we pay too much in fees because we didn’t know better, sometimes we try to time the market and it didn’t work, and sometimes we trust the wrong people and get sucked into some shady Ponzi scheme.

I made plenty of mistakes myself, like the many, many times I tried to time the market but it went on the opposite direction (WHEN WILL I LEARN?!?). But this article is NOT about those kinds of mistakes. I don’t mean losing money when the market is not in your favour. Fluctuations in price and value is normal and even expected for some types of investments, like properties, gold/precious metals, things like that.

This article is about the times where I lost ALL of the money in the investment. Here they are, compiled in one post.

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.

17 ^th
October

9 Things in My Financial To-Do List (That I Keep Putting Off..)

Posted by Suraya - 21 Comments

For the most part, I think I’m doing this financial thing right. I think.

And then I look at my financial to-do list, and go like, uuuggghhh Suraya why you so lazy one to get these done??

You probably have a running financial to-do list too. It may be written down somewhere, or it may be casually stored in your head. I thought it might be fun to share how mine looks like. So every time I open my own website I’ll keep being reminded of it. Hopefully that’ll pressure me to finally take action :p

Here are 9 things in my financial to-do list that I keep putting off..

12 ^th
September

4 Investments I Want To Try (But Haven’t)

Posted by Suraya - 22 Comments

Here are some types of investments that I have: mutual funds/unit trust, gold and crypto.

This article is all about investments I don’t have yet, but always been curious to try. I may or may not proceed with one or any of them in the future. It’s just to show you what I’ve done about them so far, and why I didn’t proceed with them yet.

#1 – ETFs (Exchange-Traded Funds)

02 ^nd
July

Link Roundup #5: 10 Things to Know This Week

Posted by Suraya - 4 Comments

Accelerate your personal finance knowledge with this regular feature on Ringgit Oh Ringgit – the Link Roundup! I promise you’ll find these 10 links informational 🙂

1. ‘Quit your job and travel the world!’: A travel blogger confesses the grim financial reality behind the Instagram dream – Business Insider

Hands up if you follow Instagram influencers and bloggers who travel all the time. One day they’re in Paris, the next they’re in Greece, eating olives or whatever. So jelly, no?

Yeah, that lifestyle does look great. But what they don’t share as often is the cost and stress of maintaining that lifestyle. If you have a steady remote-working job, great, but you’ll spend lots of time in your room – you still need to finish your work. If you have irregular income, you’re going to stress about money and won’t be able to fully enjoy your travel.

I still think the best way to travel is to save up enough money for it beforehand. And have multiple passive income streams so working becomes a choice rather than a necessity.

11 ^th
June

[SPONSORED] What You Should Know About Gold Prices In 2008-2018

Posted by Suraya - 6 Comments

As someone who keeps gold and regularly checks the price, I thought I’d cover the gold price movement in the last decade. Here’s what happened to gold prices between 2008 until mid-2018. Think of this article as an explanation of the 10-year historical gold price chart below.

gold prices — The price of gold from 2008-2018, per kilo (for some reason can’t change setting to grams)

For the benefit of this article, I’ll use price of gold per gram, not per kilo. Most people track the price that way anyway (unless they’re from the US, in which case they use ounces).

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.

13 ^th
December