Do you ever feel like your money just disappears into thin air?

You’re not alone. But what if there were a secret weapon to take control of your finances?

Enter the world of Malaysian investment apps!

These handy tools can help you ditch the spreadsheets, make smarter decisions, and finally reach your financial goals.

Explore these 9 Investment Apps and find the one that will help you save more, spend smarter, and finally achieve your financial dreams!

1. ASNB

The ASNB (Amanah Saham Nasional Berhad) app is backed by government support, ensuring reliability and credibility.

The ASNB app provides users with a convenient platform to invest in various unit trust funds offered by ASNB.

ASNB declared a dividend payout of 5.25 sen per unit for its main fund for the fiscal year ending on December 31, 2023.

View this post on Instagram

A post shared by Amanah Saham Nasional Berhad (@asnbmy)

You can also check out the benefit of ASNB funds here : All You Need To Know About Amanah Saham Bumiputera!

2. KWSP i-Akaun

The KWSP-i Akaun App aids Malaysians in saving for retirement and achieving financial security.

View this post on Instagram

A post shared by Kumpulan Wang Simpanan Pekerja (@kwspmalaysia)

The i-Saraan program, an initiative by KWSP, offers a 15% matching incentive on your voluntary contributions. Here are the specifics:

• An annual maximum of RM500
• A cap of RM5,000 or until the age of 60
• Includes annual dividends, tax exemptions on contributions, and death benefits (t&c apply)

For instance, a RM2000 contribution to i-Saraan earns an additional RM300 from EPF, boosting the account and promoting greater retirement savings.

View this post on Instagram

A post shared by Kumpulan Wang Simpanan Pekerja (@kwspmalaysia)

3. Moomoo

Moomoo, a newcomer to the Malaysian investment scene, is licensed by the Securities Commission Malaysia (SC).

It provides a one-stop platform for investing in local Bursa Malaysia stocks as well as US stocks.

What interestingly… Moomoo offers a welcome rewards to all the new users and it’s based on 3 levels:

• Level 1: Access to MY Stocks Market Depth Level 1 and US Stocks Market Depth Level 2.
• Level 2: Deposit RM500 and earn RM100 in cash coupons.
• Level 3: Deposit RM10,000, you’ll have a chance to receive a share worth up to RM4,000 from a selection that includes Grab, Under Armour, Coca Cola, Apple, Tesla, or NVIDIA.

4. Versa

Versa is a comprehensive investment app designed to help users manage and grow their money efficiently.

And starting in May 2024, there’s something new and exciting to look forward to: the ‘Money Booster’ campaign.

Here’s the catch—it’s super simple to qualify. All you need to do is set up an auto-debit plan with one of the Versa Invest Funds.

Just make sure you get it done by 27 May 2024, 3 pm, to lock in the rate.

Here’s how it works:

It’s a fantastic way to give your savings a boost with minimal effort. Just set it up once, and watch your money grow!

5. TnG GO+

You’re probably familiar with the TnGo e-wallet, but have you heard about its TnGo GO+?

With TnGo GO+, users can deposit funds and earn daily returns on their investments.

The best part? You can withdraw your money whenever you need to.

Offering a net daily return rate of 3.45% per annum, TnGo GO+ provides a competitive way to grow your idle funds.

To start earning daily interest, simply deposit RM10 to your account.

6. StashAway

StashAway provides a user-friendly investment platform for fee-free investing, especially for the initial six months on investments up to RM100,000.

Users appreciate the flexibility of the StashAway, as it requires no minimum investment amounts and ensures transparency with no hidden fees.

Moreover, the app’s lack of minimum balance requirements and absence of early withdrawal penalties make it a hassle-free option for investors.

7. Rize

Ditch the traditional bank and take control of your finances with Rize, the mobile app that’s like your personal investment guru.

View this post on Instagram

A post shared by rize Malaysia (@rize.my)

Here’s what makes it awesome:

• Need a financial lifeline? Rize throws traditional loans a knockout punch with a super-competitive interest rate of 3.79% p.a.
• Forget boring old piggy banks. Rize lets you create “saving pots” – like digital envelopes – for specific dreams. Visualize your progress and watch your savings grow towards those goals!

8. KDI Save

KDI Save— an investment app provides users with an opportunity to earn fixed daily returns at a competitive rate of 4.0% per annum.

View this post on Instagram

A post shared by Kenanga Investment Bank Berhad (@kenangagroupofficial)

With this feature, users can enjoy steady growth on their savings within the RM0 to RM50,000 range.

Overall, KDI Save offers users a reliable platform to accumulate savings with fixed daily returns, ensuring financial stability and growth.

9. GXBank

GXBank, the first Malaysia’s digital banking platform, functioning entirely online without any physical branches.

GXBank offers various appealing promotion such as:

• You can get a RM8 cashback for depositing RM88 and RM8 for registering with DuitNow.
• Earn up to RM29.40 cashback by linking your GX Account to GrabUnlimited subscriptions.
• Daily interest rate of up to 3% p.a. , let your interest earn interest every single day.

One great feature of GX Bank is its 24/7 in-app live chat, you can reach out for assistance anytime, from anywhere.

Quick Guide for YOU!

Simplify your finances with our guide to financial apps!

Malaysia’s financial sector is rapidly evolving, with numerous apps addressing diverse financial needs by providing incentives, competitive rates, and retirement savings solutions.

Whether you’re experienced or new to finance, these investment apps offer convenience and transparency.

So, don’t hesitate—explore them now and secure your financial future!

If you are looking for a long term investments, you also can…

Invest properties at IQI Global!

We have a lot of trusted property agents that will guide you or you can be one of us. Join us now!

Continue Reading:

1. Personal Finance: A Complete Investing Guide for you

2. Top 12 Finance Influencers in Malaysia who Make Money Mastering Fun and Simple!

3. Fresh Grads Still Don’t Know How to Manage Finances (Why is That?)

The post Top 9 Investment Apps for Beginners in Malaysia: Grow Money Made Easy! appeared first on IQI Blog.

Moving house. It’s exciting! New space, new place to call home. Yet, it’s so stressful. Why are so many things involved?!

Take a deep breath, inhale, exhale… whether we like it or not, we can’t escape from all the (sometimes tedious) parts of moving house.

But we can make it easier for you, at the very least.

Wear your seatbelts and get ready to scroll. This A-Z guide for moving house is going to be a ride, but we promise it’ll help you. Let’s start!

Before You Begin…

Here’s your checklist.

Before we start getting into the nitty-gritty, we’ve prepared a thorough checklist to make it easier for you to keep track (because we all might forget that one thing).

Be sure to take a screenshot, write it in your notebook or keep it somewhere handy!

Now let’s get into each item of the list:

Before Moving

1. Get rid of stuff you don’t need

Find out what you want to bring and what you’re going to leave behind.

If you’re moving to a smaller space, or planning to buy new things for your home, it’s time to get rid of unneeded items (even if that means leaving your string favourite plushie behind).

You don’t have to throw your stuff into the garbage – you can either donate them or sell them online!

This is where the internet comes in handy. Here are some apps you can use to get your old stuff in new hands:

Carousell	Facebook Marketplace	Mudah.my

Additionally, people tend to forget the food that they have in the fridge. As you get closer to your move, finish as much food as you can to avoid mess, melts and heavy cans.

2. Get dimensions of every room

The worst thing that can happen is to buy RM3,000 furniture and it not fitting right in your home.

Be sure to check the space and rooms in your new home carefully to see what fits and what doesn’t.

Luckily for you, your phone most likely already has an app that will help you with measuring. Ditch the tape and use your phone!

Measure app

3. Order packing supplies

Moving requires a lot of supplies. You’ll need lots of tape, markers, labels and bubble wrap.

If you’re moving on your own (or even if you’re getting movers – more on that below), stock up on these items by purchasing them at the store or even online.

Here are some apps or websites that provide packing supplies:

Shopee	Lazada	MR. DIY

Some movers provide these items, so if you’re using a mover, might as well kill two birds with one stone.

For your clothes, you’ll do well with luggage and big bags. Moving can be quite expensive, so save as much as you can while you go.

4. Make inventory list of items

Don’t lose your things! Make an inventory list of all your belongings before you move.

It’s not only useful to have when you lose things due to your own negligence. It can also come in really handy for insurance purposes, so it’s easier to make claims.

If you have enough phone storage, taking photos of your items (especially valuable or fragile ones) will be even better so you have additional proof of ownership and condition.

Did you know that there’s apps for inventory management? Now you do! Here’s a useful app to help you with that:

Itemtopia

You can also use the built-in Notes app in your phone, or even Excel if that’s what you’re into. Just make sure everything is accounted for, and you’ll be good to go.

5. Separate valuables and documents & pack non-daily items

First things first, separate your valuables!

Make sure to have dedicated boxes for your jewellery, luxury items and especially important documents. Be sure to carry them with you so you don’t lose them, instead of leaving them with the movers.

Next is two things: (1) pack things you don’t normally use, and (2) pack them according to room.

Photo albums, fancy dinnerware and books you don’t normally read (or have given up on – I’ve been there) can be packed away for now.

To reduce clutter, you can set up a ‘packing station’ to place all your packed items (so at least your space will be less of an eyesore).

6. Have essential household items with you

Trust me, this is an essential step that most people overlook – make sure to bring your most essential things like towels, dishes, cutlery, clothes and medicine for the first few days.

Unpacking can be very overwhelming, so be sure to keep these handy. Have them with you instead of leaving them to the movers.

7. Check with your strata building management

If you’re living in or planning to move into a strata building like condominiums, apartments, or flats, it’s essential to communicate with the building management or JMB regarding any restrictions.

A lot of JMBs do not allow large lorries or trucks to enter the premises outside of designated working hours to minimize disruption to other residents.

Before scheduling any moving or delivery activities involving these heavy vehicles, do consult with your JMB and arrange a good date and time for your move.

8. Notify relevant parties

Inform important parties about your move, including your landlord (if renting), utility companies, postal service, banks, insurance providers, and schools (if you have children).

Utilities include water / gas / electric (often bundled), telephone / TV / internet (also often bundled), home security, and waste.

9. Arrange for moving services

Research and book a reputable moving company well in advance.

Get quotes from multiple movers, read reviews, and confirm details such as dates, costs, and services included.

Consider additional services like packing and unpacking assistance if needed.

Some movers you can consider:

Allied	The Lorry	The Movers.my	AKMOVERS

During Moving

1. Move with the movers

Once you’ve selected your moving company and set a date, it’s time to get ready for the big day.

While you won’t be doing the heavy lifting, it’s important to be around when the movers arrive to transport and unload your belongings, unless you’ve made special arrangements for them to work independently.

2. Conduct a Final Walkthrough

An important part in moving house is to do a final walkthrough of your old home to make sure nothing is left behind.

Check closets, cabinets, and other hiding spots, and ensure all utilities are turned off.

3. Secure Your Belongings

During transit, secure your belongings to prevent damage. Take precautions to protect fragile items and valuables during the process of moving house.

Consider purchasing moving insurance for added peace of mind.

After Moving

1. Unpack and Settle In

Once you arrive at your new house, start unpacking and setting up each room. Begin with essential items like bedding, kitchenware, and toiletries, then gradually unpack the rest.

Take your time to organize each space according to your preferences.

2. Update Your Information

Update your address with relevant parties, including banks, credit card companies, insurance providers, and government agencies.

Register your new house address with the postal service and update your driver’s license and vehicle registration if necessary.

The good thing is you don’t have to go anywhere to get your info updated for your utility bills. Just download these apps and update what you need to:

myTNB	Air Selangor	Indah Water	MyUnifi	My Astro

3. Explore Your New Neighborhood

Take some time to explore your new neighborhood and familiarize yourself with nearby amenities, such as grocery stores, restaurants, parks, and schools.

Introduce yourself to neighbors and start building connections in your new community.

4. Enjoy Your New Home!

Finally, take a moment to celebrate your new beginning and enjoy your new home!

Take pride in your accomplishment while moving house and embrace the opportunities that come with starting fresh in a new place.

We hope this guide helped make your moving house process easier. And if you’re looking for a property negotiator for your next home, IQI Global is the place to be.

Continue reading:

1. A Beginners Guide to Buying Home Insurance in Malaysia
2. 10 Simple Steps to Buy a New House in Malaysia – Your Ultimate Guide
3. Know the Difference: Residential vs Commercial Titles. Understand with Just 3 Easy Points!

The post Free Moving House checklist: Plan & Prepare For Your Next Move appeared first on IQI Blog.