4 Myths about Investing

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A lot of us want to start investing but sometimes are hesitant. We get it, when it comes to investing your hard-earned money, misinformation or hearsay might hold you back from it. Let’s address some of the misconceptions you might have heard!


1. You must be rich to start investing

This is not true!

A lot of us think that we need to be rich to invest. Facts: You don’t need millions to start investing. Especially not now given the availability of various platforms that allow you to invest with relatively small amounts.

Take Raiz for example, you can invest as little as your spare change with us. Yes, you heard that right – you can even invest using your spare change!


2. You’re too young invest

No one is too young to invest. When it comes to investing, starting early in fact is the best! The earlier you get in, the higher likelihood you will make a better profit in the long-run. Long-term investment strategies tend to be less volatile and may help build your wealth through the effect of compounding.


3. Too risky for young people

We’re pretty sure the thought of losing your hard-earned money is daunting! Sure, there is always risks attached to any type of investment, no matter how safe we deem it to be. However, there are low-risk investments that you can start with especially if you’re new to investing. Try to understand the risks involved and ensure that the risks you’re taking are in accordance to your risk appetite. You can also reach out to reliable financial advisors to help you plan your investment portfolio.

And don’t forget, if an “investment” guarantees you return over a short time, or sounds too good to be true, it is most likely a scam! Don’t be fooled. The most important thing is to ensure that the company is registered and licensed under the Securities Commission of Malaysia.

Read more about security here.


4. You need to be knowledgeable about the market to invest

Yes, having knowledge is important when it comes to investing. However, we understand that not everyone has the time or deep interest in the subject matter. Having a general and basic knowledge about the market and investment is sufficient – the rest, leave it to the expert! There is a lot of companies offering fund management services (make sure they are licensed!) that can help you to invest, and Raiz is one of them.


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Important Information 

The information on this website is general advice only. This means it does not consider any person’s investment objectives, financial situation or investment needs. If you are an investor, you should consult your licensed adviser before acting on any information contained in this article to fully understand the benefits and risk associated with the Raiz product. 

The information on this website is confidential. It must not be reproduced, distributed or disclosed to any other person. The information is based on assumptions or market conditions which change without notice. This will impact the accuracy of the information. 

Under no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz.