Can I Invest With Only RM100?

There are many insurance companies in Malaysia that offer unit trusts as part of their financial products. Essentially, a unit trust is a pool of money managed collectively by a fund manager.

Your money will be pooled with other investors and it will be invested in various assets.

You don’t have to worry about actively monitoring your money and can rely on the fund manager to help you grow your savings and investment. Of course, this also comes with a fixed charge of management and transactions fees.

This is a unit trust scheme managed by a government-controlled agency, Permodalan Nasional Bhd (PNB) that is available only for bumiputeras. The initiative is a form of long-term investment that comes with no upfront fees, low management fees and is

one of the most consistent funds in terms of its returns.

They are essentially

digital platforms that use algorithms to automate your investment portfolio

. It automatically creates a portfolio for you based on your investing goals and risk tolerance and periodically adjusts your portfolio. People like it for its ability to diversify your investments, lower fees and being algorithm derived, it avoids emotion-based investing.

Investment-linked policies (ILPs) combine life insurance with investments and protection. You get to choose how to allocate your insurance premiums towards protection and investment. For example,

AIA’s A-Life Legasi Beyond

is an investment-linked takaful plan that offers up to 6 times the protection amount and rewards you for staying financially disciplined.

Also known as shares or equities and is probably the most well-known type of investment

. When you buy stock, you’re buying an ownership stake in a publicly traded company. You’ll be hoping that the price will go up so you can then sell it for a profit. The risk is that if the price goes down, you lose money.

This is an open-ended investment fund listed and traded on a stock exchange.

An ETF is a basket of securities, shares of which are sold on an exchange

. It gives you a way to buy and sell assets without having to buy all the components individually with lower fees.

This is a form of payment that can be exchanged online for goods and services.

It is a digital currency that is nearly impossible to counterfeit or double-spend

. Many are decentralised networks based on blockchain technology. However, the price of cryptocurrency is highly volatile, and it can create a situation where you will make exorbitant amounts of money in one day and lose it all the next.