Property? Bond? Business? Stocks? Here’s a tricky scenario. You have more than enough savings as emergency funds, your income-to-expenses ratio is well sorted out, and you have extra cash for investing. But where do you put your money? Well, the answer is not that complicated. Just choose the one you prefer, as long as you do it right. If you want to explore stock investing, here’s how you can get started.

Stocks, Really? Should You Trust the Market?

The moment you start thinking about investing, its cousin “risk” comes into the picture. You definitely do not want to lose your hard-earned money by making bad investment decisions. It’s true that a stock market is a risky place, but usually, that is only true if you enter the market blindfolded. DON’T. DO. THAT.

Sidebar: Knowledge is always the most important thing before you invest. If you’re based in Malaysia and are interested to join a free program to “belajar saham” – well, there’s plenty of options you can find online. Just make sure you choose the right one!

Investing the Right Way, the Warren Buffett way

Don’t be too scared to invest just because other people around you got burnt. Chances are they do not have the right knowledge and are not so good at controlling their own emotion when dealing with an uncertain market. Want to know the trick to invest in the right companies? Here’s how you can do it.

Familiarise Yourself with the Company before Investing

Rule number 1, check and evaluate the company first. You can do this by assessing the business model as well as the company’s historical financial performance. The better the company’s performance, the higher the chances that it is able to reward the investors. The basic rule is this, always remember that investing is about buying your piece of a real company.

Human Factor, Just as Important

Apart from the business model, you should always take time to get to know the management as well. One of the questions you need to ask is if the management has share in the company. If they do, it means their net worth is tied to the company’s valuation. When that is the case, they would definitely want their company to grow long term.

Valuation vs Price as the Final Step

Did the company you like pass the previous two criterias? Only when it does, you should prepare yourself to make a purchase. This can be done by finding the true value of each share in the company, or known among investors as the intrinsic value. This is a crucial final step to make sure you don’t buy the share when it is overpriced.

Trust Your Decision and Hold

Once you have made the move, don’t be too quick to judge the company’s performance by monitoring its share price on a daily basis. It’s true that the market is uncertain, but great companies will usually grow over the year. As value investors, revisiting your stock portfolio every six months or 1 year is quite good already.

Take Your Investing Journey to the Next Level!

What I shared here is basically the fundamentals of investing. However, you definitely should not stop here and instead, continue to learn more on how you can make your investment less risky. You can find quite a number of sources online to help you out, and one of them is Bijak Labur website. Visit the site to know what it’s all about. Check out this link if you’d like to enroll for a free online webinar: https://bijaklabur.com/belajar-saham/

While we’re at it, I’ve also found this video online – sharing it here as you might find it helpful. 🙂 Ciao!

About MILO®

Generally known as Malaysians’ most loved chocolates malt ingest brand, MILO® hails Nestlé Australia being a beverage powder created to construct electricity. These days, MILO cans® is produced in over 24 production facilities worldwide and available in more than 40 countries, and its particular exclusive dark chocolate flavours are liked a lot.

MILO® Benefits

A provision of MILO® can provide you with the energy you want for your every day regimens. A cupful of MILO® contains 124kcal, helping to make up 6% of your electricity daily. Also, it is loaded with dairy as a source of healthy proteins, calcium, minerals and vitamins to market successful energy launch.

The Famous MILO® Powder

MILO® is well known among Malaysians due to its natural powder drink. With just a couple of tablespoons of MILO® powder, it is possible to offer MILO® in various approaches. Provide your MILO® popular to begin the day during breakfast or with ice for a rejuvenating ingest on the warm mid-day.

MILO® On-the-Go

Should you need MILO® instantly, there are prepared-to-ingest goods to save you time. Take pleasure in the delicious goodness of MILO anywhere you go in several fascinating flavours that help keep you energized on the run. You can even get MILO® in a container with MILO® UHT that will enhance your meals.

Have Your morning meal With MILO®

MILO® also provides various products that one could enjoy in the morning. Begin your entire day with Nutri Breakfast time instant oatmeal, packed with the goodness of oats and also the tasty taste of authentic banana parts. You can even try out MILO® With Wholegrain Breakfast cereal to include much more fibre for your diet program.

MILO® Dairy food-Totally free Choice

Consumers of dairy products-totally free products can continue to benefit from the rewards and deliciousness of MILO®. MILO® Dairy Free of charge Almond is lower in extra fat and an excellent source of vegetation-based proteins. MILO® Dairy-free is good if you’re lactose intolerant or looking towards a grow-dependent diet regime.

Healthier Way of living With MILO®

MILO® always motivates Malaysians to include a wholesome way of life inside their daily lives. MILO® has actions and promotions for anyone of all ages to participate in attempts to become far more productive. You will find pursuits like sports activities, training courses for youths, backyard events, plus more.

Why Opt for MILO®?

MILO® has been a choice in several Malaysian households because of its distinct flavours and healthy principles. The brand’s number of goods might be associated with your diet and match your dietary choices. MILO cans® also strives to produce Malaysia healthier using their projects.

What is MNRB Group?

Since 1972, Malaysian National Reinsurance Berhad (MNRB) has operated in the Malaysian reinsurance market. The company’s primary business is management services, which it conducts via investment holding, reinsurance, Takaful operator, medical underwriting and Retakaful operator. Two of the company’s subsidiaries are Malaysia RE and Takaful IKHLAS.

MNRB Holdings Berhad as The Top Reinsurers

MNRB Holdings Berhad is a Malaysian investment holding company focused on management services, and it is publicly listed on Bursa Malaysia. The firm comprises top wholesale reinsurance and retakaful suppliers and two takaful operators and is among the region’s best reinsurers locally and globally.

Malaysian Re Strengthen Global Connections

Leveraging on its breadth and depth of experience and expertise, strong fundamentals and proven record of accomplishment, Malaysian RE has grown in stature as an international player, having established a strong market presence in Asia and the Middle East. Malaysian Re is the largest national reinsurer (by asset) in the Southeast Asia region.

About Takaful IKHLAS

Takaful IKHLAS entered the Takaful sector on 18 September 2002 as Takaful Ikhlas Sdn. Bhd. and then changed to Berhad status in 2014. They primarily provide financial protection services that adhere to Shariah principles and decisions and announced the conversion of its composite Takaful licences into two organisations.

The Conclusion

The MNRB Group is a public-listed company with business partnerships across the globe, comprising reinsurance and retakaful wholesale providers, medical underwriting and takaful operators. MNRB remains committed to expanding its domestic footprint and venturing into selected markets abroad to deliver services for long-term business sustainability.

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About MILO®

Generally known as Malaysians’ most adored dark chocolate malt ingest brand, MILO® hails Nestlé Australia as a drink natural powder created to construct power. These days, MILO drink® is made in over 24 factories globally and available in greater than 40 countries, and its special chocolate flavours are adored by many people.

MILO® Benefits

The help of MILO® can provide you with the power you will need for your everyday programs. A cupful of MILO® contains 124kcal, making up 6% of your vitality per day. It is also full of milk as a supply of protein and calcium supplements, vitamins and minerals to enhance efficient vitality relief.

The Popular MILO® Powder

MILO® is popular among Malaysians for its natural powder consumption. With just a few tablespoons of MILO® powder, you can provide MILO® in a range of methods. Provide your MILO® very hot to get started on the day during morning meal or with ice cubes for any stimulating ingest on a popular mid-day.

MILO® On-the-Go

If you need MILO® right away, there are actually all set-to-ingest items to save you time. Benefit from the scrumptious goodness of MILO anywhere you go in several fascinating flavours that help you stay stimulated on the move. Also, you can get MILO® within a box with MILO® UHT that will enhance your meals.

Have Your morning meal With MILO®

MILO® also offers various merchandise that you can get pleasure from for breakfast. Commence your day with Nutri Breakfast time instant oatmeal, packed with the goodness of oats and the scrumptious flavour of authentic banana items. You can also consider MILO® With Whole Grain Cereal to incorporate far more fibre into your diet program.

MILO® Dairy-Totally free Substitute

Buyers of dairy products-totally free products can still take pleasure in the rewards and deliciousness of MILO®. MILO® Dairy products Totally free Almond is reduced in extra fat and an excellent source of vegetation-centred healthy proteins. MILO® Dairy products Totally free is ideal if you’re lactose intolerant or eager for a grow-structured diet plan.

Healthy Lifestyle With MILO®

MILO® always promotes Malaysians to add a healthy way of life to their lives. MILO® has pursuits and strategies for people of every age group to participate in initiatives being far more productive. There are actually pursuits like sporting activities workshops for youths, outside occasions, plus more.

Why Select MILO®?

MILO® has become an option for lots of Malaysian homeowners because of its diverse flavours and healthy beliefs. The brand’s wide range of merchandise can be combined with your foods and match your diet and personal preferences. MILO drink® also aims to make Malaysia much healthier by making use of its initiatives.

Immerse into the world of sports with PUMA, one of the world’s leading sports brands that have a history of more than 70 years. PUMA is passionate about delivering quality sporting goods and apparel for running shoes for men, football, golf, basketball and more. PUMA enhances their brand image by drawing inspiration from its unique heritage in sports and the latest lifestyle trends.

PUMA’s Story

In 1919, Rudolf and Adolf Dassler founded the company “Dassler Brothers Shoe Factory” in their home in Germany, launching PUMA’s long-standing history of crafting quality sporting goods. In the first few years, the brand gained notoriety as athletes who wore Dassler spikes at various international sporting events won gold medals, including the renowned Jesse Owens.

PUMA Sports: Functionality & Leisure

PUMA put the fun in functionality by supplying a wide selection of well-designed sports apparel fit for sports and leisure activities. From running shoes for track and field to footwear for golf, PUMA boasts a range of comfortable sports apparel and equipment to help you perform on the playing field while letting you incorporate sports into your lifestyle with stylish sportswear that can be worn anywhere.

Paving The Way For A Greener Earth

At PUMA, sustainability is a core value of the business. PUMA strives to manage their environmental impact through the 10FOR25 sustainability strategy for a better world by working on ten key areas, from climate and biodiversity to human rights, to reach common goals of making better products that have a less environmental impact on nature.

PUMA: Culture of Firsts

PUMA thrives on the culture of being first and delivering performance innovations to push athletes to greater heights. In 1968, the Brush Spike that featured Velcro™ on performance footwear was designed for the first time. The tiny rows of spikes on the shoes helped athletes maximise traction and minimised resistance, which worked well for athletes at the 1968 Olympic Trials.

PUMA Supports Gender Equality

Living without prejudice should not be open to debate. That’s why PUMA is working with nonprofit organisations like The Trevor Project and BAGLY to accelerate equal rights, personal autonomy, running shoes for men and freedom of expression for LGBTQ+ communities. PUMA do not tolerate racism, bigotry, or police brutality.

Immerse into the world of sports with PUMA, one of the world’s leading sports brands that have a history of more than 70 years. PUMA is passionate about delivering quality sporting goods and apparel like sports shoes running for football, golf, basketball and more. PUMA enhances their brand image by drawing inspiration from their unique heritage in sports and the latest lifestyle trends.

The History of PUMA

Founded by brothers Rudolf and Adolf Dassler in 1919, PUMA originates from humble beginnings as a small factory in Germany. In 1936, Jesse Owens won four gold medals at the Olympic Games in Berlin, all while sporting Dassler spikes. Since then, more world-class athletes are seen wearing Dassler shoes, creating an international breakthrough.

PUMA Sports Apparel and Equipment

PUMA apparel is designed for both functionality and leisure — they are suitable for all kinds of sports from football to running. You can also style it as leisurewear and go about your day in comfortable sports apparel because sport is a lifestyle. Discover a variety of sportswear for all ages at PUMA.

Practicing Sustainability Through Sports

PUMA is committed to making better products, and contribute to a better environment and society. By working with stakeholders on the 10FOR25 sustainability strategy, they aim to do better across various sustainability areas consisting of Fair Income, Products, Health & Safety and more — doing their part to deliver better products and contribute to a better world.

Innovating with PUMA

PUMA thrives on the culture of being first and delivering sports shoes running performance innovations to push athletes to greater heights. In 1968, the Brush Spike that featured Velcro™ on performance footwear was designed for the first time. The tiny rows of spikes on the shoes helped athletes maximise traction and minimised resistance, which worked well for athletes at the 1968 Olympic Trials.

PUMA #Reform

Racial and social imbalances have led to skewed criminal justice systems — this is why PUMA supports organisations like REFORM Alliance and the ACLU to advocate for reforms to a broken system. PUMA takes a firm stance against any form of societal injustice, discrimination and inequality and aims to support good causes for a better society.

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About MNRB and The Subsidiaries

MNRB Holdings Berhad is a Malaysian investment holding company focused on asset management. Malaysian Reinsurance Berhad (Malaysian Re) and Takaful IKHLAS are the corporation’s subsidiaries. Its reinsurance division is one of the region’s most substantial motor takaful, writing local and foreign general business lines.

MNRB Holdings Berhad Listed On Bursa Malaysia

MNRB Holdings Berhad is a Malaysian investment holding company focused on management services, and it is publicly listed on Bursa Malaysia. The firm comprises top wholesale reinsurance and retakaful suppliers and two takaful operators and is among the region’s best reinsurers locally and globally.

About Malaysian Re

Leveraging on its breadth and depth of experience and expertise, strong fundamentals and proven record of accomplishment, Malaysian RE has grown in stature as an international player, having established a strong market presence in Asia and the Middle East. Malaysian Re is the largest national reinsurer (by asset) in the Southeast Asia region.

Takaful IKHLAS as The Best Protection Plan For Your Family

Takaful IKHLAS was founded in 2002 and is primarily focused on financial protection services. It provides an extensive selection of family and general takaful items. It distributes via a vast network of highly skilled and qualified agents, brokers, financial institutions, motor franchisees, and cooperatives.

The Conclusion

The MNRB Group comprises leading wholesale providers of motor takaful, reinsurance and retakaful and two takaful operators, offering companies a wide range of business solutions ranging from reinsurance to retail takaful. MNRB has evolved to be a listed public investment holding company that has expanded its business internationally.