• 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

  • Guides
    • Planning & Budgeting
    • Saving & Investing
    • Buying a Home
    • Buying a Vehicle
    • Tackling Debt
    • Insurance
    • Retirement
  • Calculators
  • Blog
  • Take Quiz
    • English
    • Bahasa Malaysia
    Have any questions?
    hello@multiply.org.my
    RegisterLogin
    MultiplyMultiply
    • 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

    • Guides
      • Planning & Budgeting
      • Saving & Investing
      • Buying a Home
      • Buying a Vehicle
      • Tackling Debt
      • Insurance
      • Retirement
    • Calculators
    • Blog
    • Take Quiz
      GuidesSaving & InvestingETFsHow do you choose which Exchange Traded Fund to buy?
      • Introduction 1

        • Lecture1.1
          Summary
      • Deep, deep dive 6

        • Lecture2.1
          Step 1: Figure out what ETFs work best for your risk appetite
        • Lecture2.2
          Step 2: Look at the types of investments (or the index) that the ETF tracks
        • Lecture2.3
          Step 3: Look at past performance: what returns have the ETF produced?
        • Lecture2.4
          Step 4: Look at past performance: how well has the ETF tracked the underlying index? (the closer the difference is to zero, the better!)
        • Lecture2.5
          Step 5: Be careful about fees
        • Lecture2.6
          Step 6 (Optional): Once you’ve selected a few options based on steps 1-5, check that the NAV of each unit is close to the market price

        Step 1: Figure out what ETFs work best for your risk appetite

        It is always important to understand the risk of the index you are investing in. Risks vary by industry, country and security amongst others. For example, an ETF tracking a Malaysian bond index has a lower risk profile compared to one tracking a Malaysian equity (stock) index. The type of ETF you invest in should depend on the level of risk you are willing to take.

         

        There are 3 types of ETFs and they can be roughly categorized as having these risk levels:

         

        Fixed income or bonds – these carry the lowest amount of risk because they invest primarily in bonds (like government or corporate bonds) and money market instruments (investments that generate profit through interest rates).

         

        Commodity – the risk level of these ETFs depends on the commodity.

         

        Equity – these carry the highest amount of risk because they invest money in the shares of companies, and these can sometimes be volatile (meaning they can go up and down frequently). Historically, evidence suggests you might expect a higher return.

         

        Below is a complete list of ETFs by type available in Malaysia:

         

         

        Name of Fund Manager

        Name of ETF

        Type

        Shariah-compliant

        AmFunds Management Bhd

        FBMKLCI-ETF (0820EA)

        Equity

        N

        Affin Hwang AM

        Tradeplus Shariah Gold Tracker (0828EA)

        Commodity

        Y

        CIMB Principal AM

        CIMB FTSE ASEAN 40 MALAYSIA (0822EA)

        Equity

        N

        CIMB Principal AM

        CIMB FTSE China 50 (0823EA)

        Equity

        N

        Affin Hwang AM

        TRADEPLUS S&P NEW CHINA TRACKER (0829EB & 0829EA)

        Equity

        N

        i-VCAP Management

        MYETF DOW JONES U.S. TITANS 50 (0827EA) Equity

        Y

        i-VCAP Management

        MyETF-DJIM25 (0821EA) Equity

        Y

        i-VCAP Management

        MyETF MSCI Malaysia Islamic Dividend (0824EA) Equity

        Y

        i-VCAP Management

        MYETF MSCI South East Asia Islamic Dividend (0825EA)

        Equity

        Y

        i-VCAP Management

        MyETF Thomson Reuters Asia Pacific Ex-Japan Islamic Agribusiness (0826EA)

        Equity

        Y

        AmFunds Management Bhd

        ABFMY1 (0800EA)

        Fixed Income

        N

         

         

        It’s usually quite difficult to understand which sector or commodities are going to do better. This is especially true if you don’t have a strong understanding of the market and the sectors that ETFs are concentrated in.

         

        Generally, a safer investment is for you to invest in large capitalisation funds compared to small capitalisation funds. What’s the difference? Well a large cap fund only includes companies with high market capitalisation (basically the companies with the highest value). In comparison small capitalisation funds have companies with low market capitalisation but might have higher potential growth.

         

        Pop up large cap

         

        Pop up small cap

         

        If you are a conservative investor or if you have less knowledge about the market:

         

        • Choose ETFs that track a large part of the stock exchange e.g., instead of choosing an ETF that only tracks a very specific sector, choose one that tracks the KLCI
        • Choose ETFs that are focused on large cap companies or in other words the largest companies by market capitalisation

         

        If you are a more aggressive or knowledgeable investor

         

        • You could choose ETFs that are focused on a specific sector (e.g., gold, tech, countries (China, US), healthcare)
        • Or you could choose ETFs that are focused on small to medium cap companies. The appealing feature of small and medium cap funds is that, if things go well, these companies are expected to grow and increase profits which could give you higher returns on your fund. However, small caps are riskier and thus you will likely see more ups and downs with your returns.
        Prev Summary
        Next Step 2: Look at the types of investments (or the index) that the ETF tracks

        Guide Categories

        • Planning & Budgeting
        • Saving & Investing
          • ETFs
          • Unit Trust
          • Stocks
          • Investing Basics
          • Fixed Deposits
          • Savings
        • Tackling Debt
        • Buying a Vehicle
        • Buying a Home
        • Insurance
        • Retirement

        STAGE OF LIFE

        • Student
        • Families
        • Working Adults
        • Retirees

        Latest Guides

        Introduction to REITS (Part 2)

        Introduction to REITS (Part 2)

        Free
        Introduction to REITS (Part 1)

        Introduction to REITS (Part 1)

        Free
        Investing in Gold

        Investing in Gold

        Free

        Don't miss out, join our mailing list

        newsletter-subscribe-multiply

        logo-multiply-learn-investing-for-free

        hello@multiply.org.my

        Information

        • Home
        • Blog
        • About
        • Contact

        Categories

        • Planning & Budgeting
        • Saving & Investing
        • Tackling Debt
        • Buying a Vehicle

        Categories

        • Buying a Home
        • Insurance
        • Retirement
        • All Guides

        Instagram Feed

        We're excited to share our new collaboration with We're excited to share our new collaboration with @myboostapp!

Look out for emails from Boost, our blog posts on multiply.org.my and updates on both our social media accounts for more personal finance tips - at your fingertips!

#Repost @myboostapp (@get_repost)
・・・
Microinsurance plans are individual insurance products which you can buy at a lower price than full insurance plans. 

Get benefits for yourself and your family for: 

▪️Accidental death/critical
▪️Illness
▪️Credit card & other bill payments
▪️Travelling
▪️Hospitalisation

When choosing for an insurance plan, look out for: 

✅ What protection your plan gives you
✅ How long you have to wait to get your claims

To know more, check out @multiply.org.my
 
#BoostMyMalaysia #BoostingTheNation #KitaBoostKita #KitaJagaKita #FasaPemulihan #BoostGotYou
        OK, tahun 2020 memang menimbulkan pelbagai kesusah OK, tahun 2020 memang menimbulkan pelbagai kesusahan, dan mungkin membawa banyak peristiwa yang kita ingin lupakan. So, jom lihat ke tahun 2021 dan mula merancang untuk masa depan yang lebih cerah! Klik link di bio untuk tips merancang belanjawan menjelang tahun baharu ini!
        📢📢📢 Bajet 2021 membenarkan caruman KWSP d 📢📢📢 Bajet 2021 membenarkan caruman KWSP dikurangkan kepada 11% ke 9% untuk tahun 2021. Pencarum yang telah mengurangkan caruman kepada 7% pula, yang dibenarkan oleh kerajaan awal tahun ini di bawah pakej perangsang ekonomi untuk memerangi COVID-19, akan perlu naikkan balik caruman kepada sekurang-kurangnya 9%.

Tak kira golongan anda, jom kita tengok apa kesan menukar caruman KWSP kepada anda. Layari https://multiply.org.my/my/changing-your-epf-contribution-how-does-it-affect-you/ untuk baca lebih lanjut!
        📢📢📢 Ketahui syarat terkini tentang pengel 📢📢📢 Ketahui syarat terkini tentang pengeluaran Akaun 1 KWSP. Layari https://multiply.org.my/my/what-you-need-to-know-about-epf-account-1-withdrawals/

        Multiply by Creador Foundation.

        • Privacy
        • Terms
        • Sitemap

        Facebook Google

        Login with your site account

        Lost your password?

        Not a member yet? Register now

        Register a new account

        Are you a member? Login now

        Language :

        • English
        • Bahasa Malaysia

        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?
        clock.png

        Time is Up!

        Language :

        • English
        • Bahasa Malaysia

        Take our quizzes!



        What’s your finance personality?

        Latest


        What’s your spending style?

        Language :

        • English
        • Bahasa Malaysia

        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...
        clock.png

        Time is Up!