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Almost every other week it feels like there’s a new investment app in the market. And each time, they’ll be marketed as the “best trading app” or the “cheapest brokerage app”. But more often than not, they end up not  being what they say they are. This time, trust me when I say moomoo  is the only  investment platform you’ll need to trade US and Malaysia stocks. Whether you’re a beginner investor or a seasoned one, this app offers a blend of advanced features, user-friendly design, and invaluable educational resources that cater to the needs of every investor. A Comprehensive Moomoo Malaysia Review [2025] What is Moomoo? Moomoo  is the latest investment platform to arrive on Malaysia’s shores.  Here’s their backstory: Founded in 2018 in California, moomoo quickly set a benchmark for solving investor's challenges with its pro-level trading services and data . By 2021, it made a notable entry into Singapore, becoming a top choice for one in every four Singaporeans .  In 2022, moomoo ventured into Australia, introducing intelligent-assisted technology in investment analysis  and winning four awards from Wemoney. The following year, it expanded its innovative platform to Malaysia and Japan, offering comprehensive market information, investor education, and interactive community features .  Additionally, moomoo aimed to revolutionise the Canadian investment scene by providing in-depth market insights and educational tools  to help investors navigate and seize opportunities. What Can You Trade With Moomoo Malaysia? You will be able to trade US and Malaysian stocks including ETFs, warrants, and REITs  with this single platform.  There’s also the option to trade Shariah-compliant stocks  as well as to trade with margin, better known as margin trading . Is Moomoo Safe and Licensed In Malaysia? Now you might be asking, all of their features sound great but is Moomoo legal in Malaysia? The answer is, YES!   Futu Malaysia Sdn. Bhd.  (" Moomoo MY ") is a Capital Markets Services License holder and is regulated by the Securities Commission Malaysia  (SC). Additionally, it is also a  Capital Market Compensation (CMC) Fund Protected  whereby an eligible individual investor may claim up to RM100,000 on eligible Malaysia securities/related assets should an unlikely event occur. What Are Moomoo’s Fees? Moomoo Malaysia’s pricing and fees can be broken down into three categories. 1. Trading Fees For the first six months  since account opening, No commission Platform Fees To trade US stocks: USD 0.99/order To trade Malaysia/Bursa stocks: RM3/order So for example, if you were to invest in Stock ABC, whether for RM100 or RM10,000, you’ll only be charged USD 0.99 for US Stocks or RM3 for Bursa Stocks! Other fees 2. M argin Rate Moomoo Malaysia’s margin rate is among the lowest in comparison to other brokerages at a rate of 6.8% . 3. Other Services No fees are charged for other services like: Account Opening Fund Deposit in MYR Fund Withdrawal in MYR Inactive Account Transfer Stock in Here's how you can earn Nvidia shares with moomoo! Use our code "MTV40" for an additional RM40! Account Opening Benefits: Enjoy 180 days of commission-free trades  across the US, Malaysia, Singapore, Hong Kong, and China-A stock markets – that’s half a year with no trading fees! 5% Guaranteed Return with Cash Plus for 30 days  up to RM10,000. Exclusive Cash Rewards for Deposits Deposit RM1,000 or more  and get RM140 in rewards: RM50 cash coupon RM25 x 2 stock cash coupons RM20 x 2 exclusive stock cash coupons (use our code: MTV40 ) Deposit RM5,000 or more  to claim RM 200 Nvidia Share  as a reward. Deposit RM10,000 or more  to claim RM 500 Nvidia Share  as a reward. Deposit RM30,000 or more  and make 3 buy trades  to receive claim RM 1,000 Nvidia Share*! * Terms and conditions apply. How to Get Our Exclusive Rewards? Before we explore the app's features, for being our loyal supporter, we want to give you an exclusive reward  when you make your first deposit via moomoo 's app. Follow the simple steps below to earn our Exclusive Reward of a RM40 cash voucher  when you deposit at least RM1,000 for the first time : Step 1: Search for "Exclusive Deposit" at the top right corner before making your first deposit Step 2: Click in "Join Now" to find the "Deposit" page Step 3: At the bottom of the "Deposit" page, find "Exclusive code (optional)" and key in our promo code: MTV40 What Features Do Moomoo Have? I’ve been raving about moomoo  a lot in this article and I genuinely think it deserves the hype because it is truly an all-in-one super app. In my years of investing, I’ve rarely come across an investment platform that offers as many features as moomoo does. These features (that I’ll get into later) are both easy to navigate yet comprehensive enough for first-time investors and even seasoned ones. Moomoo Features 1: Heat Map The heat map is a visual tool used to display the performance of different market sectors  in a clear and intuitive manner.  As you can see in the picture above, the colour of each sector indicates its gains or losses, with the intensity of the colour reflecting the strength of the price movement. This means that larger sectors represent larger market caps, and the colour intensity provides immediate insight into sector performance. Then, if you click on each sector, you’ll be able to see a chart of how the overall sector is doing, key stocks that contribute to the market movement of the sector, comments as well as news from said sector. This tool comes in handy when you are trying to quickly grasp the overall market trends  and identify which sectors or stocks are outperforming or underperforming . You’ll also be able to customise your settings such as sorting by market cap, volume, or turnover, and adjusting the number of sectors displayed, allowing for a tailored analysis that matches your investment strategy. Moomoo Features 2: Market Monitor The market monitor is a real-time tool designed to help you keep track of unusual activities across all stocks in the markets.  The tool identifies and alerts you to unusual trading volumes and price movements, leveraging filters like market region, price range, and market cap range to tailor the monitoring process to your specific interests or investment strategies. By using this feature, you’ll be able to stay ahead of market movements  by tracking unusual stock activities in real-time. For instance, by identifying stocks with unusual trading volumes and price changes, you might be able to spot potential opportunities or risks early. So, whether you’re looking to capitalize on short-term market fluctuations or want to understand broader market trends, this tool will prove to be very valuable. Moomoo Features 3: Industrial Chain The industrial chain feature provides a comprehensive overview of the various stages, companies, and associated stocks within specific industries , aiding in the detailed analysis of the production and distribution processes.  This tool offers insights into the upstream, midstream, and downstream sectors, alongside a streamlined process for informed stock selection by categorizing stocks based on their industry segment . For instance, in the electric vehicle (EV) sector, it highlights the complete chain from raw material suppliers to manufacturers like Tesla , which dominates battery pack production. This feature not only aids in identifying investment opportunities and risks, especially in scenarios like fluctuating raw material costs but also promotes strategic portfolio diversification  by encouraging investments across different parts of the industrial chain. Moomoo Features 4: Institutional Tracker The institutional tracker is a tool designed to monitor and display the investment activities of established institutional investors .  This feature provides you with  insights into the quarterly position reports of these institutions , showcasing data such as the market value of holdings, changes in holdings, the number of stocks held, and changes in the number of stocks held. It offers a comprehensive overview,  industry distribution of holdings , and a detailed list of holdings for each institution , allowing you to discern the investing logic, trends, and strategies of these major players in the market. The information you’ll get from this tool, helps you understand the strategic moves of institutional investors  and can guide you in aligning your investment strategies with market trends, identifying potential investment opportunities, and avoiding sectors or stocks that are being heavily sold off. Moreover, it offers  clues about market sentiment and potential future movements , enabling more strategic portfolio management. Moomoo Features 5: Investment Themes Just as the name suggests, the investment themes feature offers a curated insight into specific industries, interests, or institutions , providing you with a comprehensive overview that includes charts, company lists, shared comments, and relevant news related to the chosen theme. This tool is particularly useful for investors who are just starting out, as it simplifies the complex world of investing into more digestible, themed segments . New investors can benefit from the structured approach to understanding market dynamics, identifying trends within specific industries or interests, and gaining insights from the shared experiences and strategies of more seasoned investors. Moomoo Features 6: Trend Projection The trend projection tool is designed to enhance the efficiency of analyzing candlestick charts by enabling you to quickly find stocks with candlestick patterns similar to a target stock  and makes it easier to predict what might happen next with the stock you're interested in.  The way it works is that by comparing the patterns and trends of two candlestick charts through a specific algorithm, the tool calculates their similarity and offers forecasts on the future trend of the target stock based on the probability distribution obtained from historical trends of other stocks with similar patterns. This provides a solid foundation for speculating on future stock movements (if that’s what you’re into), making it a valuable tool for those looking to stay ahead in fast-moving markets. Usually, in order to get the information this tool offers, it takes a lot of time, manual labour and advanced knowledge of technical analysis. So, although this feature may be a bit of a stretch for beginner investors to use, it’s definitely one that seasoned investors who rely heavily on technical analysis will appreciate. Moomoo Features 7: In-Depth Insights Into A Company So far, I’ve been explaining some of the key tools that moomoo offer however, there’s an overarching feature that I’ve yet to mention – company analysis . Typically, when you’re using an investment platform, you’ll be able to get some  information on the specific company you’re planning to invest in like its share price movement and capital flow. However, Moomoo’s company analysis goes way beyond that. You’ll be able to get an in-depth insight into a company including the company’s valuation, market distribution, revenue breakdown, income statement, cash flows, shareholders, and insider activity to name a few. Generally speaking, everything you can find on a company’s financial report, you’ll be able to find in Moomoo’s company analysis. Moomoo Features 8: Comments and News Section Similar to the company analysis, the comments and news section is also an overarching feature that can be used in addition to the six tools mentioned above. For the comments section, it sort of works like X (previously known as Twitter) whereby, moomoo users can share their opinion or investment strategies with other users. Here’s the catch, since any user can comment their thoughts, it might not be the best feature to use if you want to make an informed investment decision. Perhaps using it to get a better understanding of market sentiment would be smarter.  As for the news section, depending on how you come across it, it might provide you with news on a specific company, industry or even investment theme. And of course, the news sources are credible and reliable, mostly coming from new portals like Yahoo Finance , Wall Street Journal  and Bloomberg . Moomoo Features 9: Learn More About Investing I think a common obstacle when it comes to starting one’s investment journey is that people don’t know where to begin and there’s too much information out there that it can feel very overwhelming, very quickly. Knowing this, the moomoo app offers a tab where you can learn more about investing. There are articles on top-performing stocks, beginner guides and even courses on technical analysis and the overall economy. It’s really like Investment 101 lah! Moomoo Features 10: Paper Trade  Along that same note of learning more about investing, moomoo also offers a feature called Paper Trade. This feature allows you to engage in simulated market trading without risking actual money.  Think of it as a practical lesson in addition to the theoretical one. This tool uses real market data to enable new and experienced traders, to practice trading, test out investment strategies, and familiarise themselves with various trading scenarios . Through paper trading, you can track the performance of your hypothetical investments, see the potential outcomes, and learn from the experience without the financial consequences of real trading. It’s worth noting that while paper trading offers a safe environment to learn and experiment, the emotional and psychological pressures of real trading can differ  significantly. Therefore, while paper trading is an excellent way to build foundational knowledge and skills, transitioning to real trading should be approached with caution. Step-by-step Guide: Moomoo Malaysia Account Opening Usually, with an investment platform, it takes quite a while to open an account because there’s an endless number of questions you need to answer and fill in. But with Moomoo Malaysia , it takes less than 5 minutes. Here’s how you can do it. 1. Fill in your Personal Details Click here  and start filling out your personal details like your full name, gender, marital status, birthday and so on. 2. Verify your identification You’ll be required to upload a picture of your identification card (IC) for both front and back. And as usual, make sure it’s clear, and doesn’t have any glares. 3. Provide your Residential Address Fill in your address and confirm if it’s the same address you’re currently residing in; otherwise, include your residing address as well. 4. Fill in your Tax Information Most of the questions should already be answered based on your personal details so you’ll only need to fill in your Tax Identification Number (TIN). It’ll look something like this: IG 12345678912. 5. Provide other information Some of the information you’ll be asked to provide here includes your employment status and financial information like your annual income, total assets, investment objective and period. 6. Complete your eKYC, verify your phone number and agree to the Customer’s Declaration Carry out your electronic Know-Your-Customer (e-KYC) which personally took me less than 30 seconds to do. Then, verify your phone number with the TAC Moomoo sends you. Finally, agree to the Customer’s Declaration. In just six simple steps, your moomoo Malaysia account should be up and running within 1-3 business days. Moomoo Malaysia Review: My Honest Opinion  I've been using moomoo for nearly a year now, and honestly, I find myself consistently reaching for this trading app over the others I have on my phone. Let me explain why. Starting with its features, unlike many other investment platforms, moomoo offers an  extensive range of tools , and what's even better is that they're all available for free! Typically, other trading apps charge additional fees for more advanced features, but with moomoo, I’m glad that that's not the case. Personally, I’m a huge fan of the heat map feature because it offers a visual representation of the overall sector performance, allowing me to quickly identify trends. I also really like the institutional tracker as it is quite interesting to me to see the investment activities of major players in the market. Moreover, I commend moomoo's commitment to educating investors . Their "Learn" and "Paper Trade" sections are particularly helpful for both beginners and pros, offering articles, guides, and simulated trading experiences to hone your skills without risking real money. Plus, the sense of community  in the comments and news section is great for staying in the loop and sharing insights with fellow traders. Now, when it comes to the UI/UX of the app, if you've explored different investment platforms, you may have encountered some that aren't very user-friendly and can be quite confusing. However, my experience with moomoo has been the opposite. I find it incredibly intuitive and easy to navigate , allowing me to access its tools and features effortlessly. The layout is clean and well-organised , making it a breeze to find what I need without any unnecessary clutter.  Overall, my journey with moomoo has been pretty great over the past year. It definitely stands out as a top-notch investment platform, especially for those who appreciate a balance between advanced trading tools and educational support . So, whether you're a beginner looking to dip your toes into the world of investing or a seasoned trader searching for an all-in-one solution, Moomoo could very well be the super app you've been looking for. If this article was a little too lengthy for you, I also made a video reviewing the moomoo app. You can check it out here . Disclaimer This is not an investment advice. All content produced is solely for education and entertainment purposes only. Please consult your financial advisor before making any investment decision. All views expressed in the article are the independent opinions of the author, which are not necessarily shared by Futu Malaysia Sdn. Bhd. ("Moomoo Malaysia"). No content shall be considered financial advice or recommendation. Moomoo Malaysia links are included in this post, through which referrals are made and I may receive certain commissions. Please contact Moomoo Malaysia for more information. Subscribe to our financial newsletter  for the latest news, insights, and advice on personal finance, investing, and more. With every email, you’ll gather the confidence and knowledge to make informed decisions to achieve your financial goals.

Almost every other week it feels like there’s a new investment app in the market. And each time, they’ll be marketed as the “best trading app” or the “cheapest brokerage app”. But more often than not, they end up not  being what they say they are. This time, trust me when I say moomoo  is the only  investment platform you’ll need to trade US, HK, SIngapore & Malaysia stocks. Whether you’re a beginner investor or a seasoned one, this app offers a blend of advanced features, user-friendly design, and invaluable educational resources that cater to the needs of every investor. A Comprehensive Moomoo Malaysia Review [2025] What is Moomoo? Moomoo  is the latest investment platform to arrive on Malaysia’s shores.  Here’s their backstory: Founded in 2018 in California, moomoo quickly set a benchmark for solving investor's challenges with its pro-level trading services and data . By 2021, it made a notable entry into Singapore, becoming a top choice for one in every four Singaporeans .  In 2022, moomoo ventured into Australia, introducing intelligent-assisted technology in investment analysis  and winning four awards from Wemoney. The following year, it expanded its innovative platform to Malaysia and Japan, offering comprehensive market information, investor education, and interactive community features .  Additionally, moomoo aimed to revolutionise the Canadian investment scene by providing in-depth market insights and educational tools  to help investors navigate and seize opportunities. What Can You Trade With Moomoo Malaysia? You will be able to trade US, HK, SG, China-A, and Malaysian stocks , including ETFs, warrants, and REITs , all with this single platform There’s also the option to trade Shariah-compliant stocks  as well as to trade with margin, better known as margin trading . Is Moomoo Safe and Licensed In Malaysia? Now you might be asking, all of their features sound great but is Moomoo legal in Malaysia? The answer is, YES!   Futu Malaysia Sdn. Bhd.  (" Moomoo MY ") is a Capital Markets Services License holder and is regulated by the Securities Commission Malaysia  (SC). Additionally, it is also a  Capital Market Compensation (CMC) Fund Protected  whereby an eligible individual investor may claim up to RM100,000 on eligible Malaysia securities/related assets should an unlikely event occur. What Are Moomoo’s Fees? Moomoo Malaysia’s pricing and fees can be broken down into three categories. 1. Trading Fees For the first six months  since account opening, No commission Platform Fees To trade US stocks: USD 0.99/order To trade Malaysia/Bursa stocks: RM3/order So for example, if you were to invest in Stock ABC, whether for RM100 or RM10,000, you’ll only be charged USD 0.99 for US Stocks or RM3 for Bursa Stocks! Other fees 2. M argin Rate Moomoo Malaysia’s margin rate is among the lowest in comparison to other brokerages at a rate of 6.8% . 3. Other Services No fees are charged for other services like: Account Opening Fund Deposit in MYR Fund Withdrawal in MYR Inactive Account Transfer Stock in Here's how you can earn a Nvidia share with moomoo! Use our code "MMTV40" for an extra RM40! Account Opening Benefits: Enjoy 180 days of commission-free trades across the US, Malaysia, Singapore, Hong Kong, and China-A stock markets – that’s half a year with no trading fees! 5% Guaranteed Return with Cash Plus for 30 days (up to RM10,000) Exclusive Cash Rewards for Deposits Deposit RM1,000 or more and get RM140 in rewards: RM50 cash coupon RM25 x 2 stock cash coupons RM20 x 2 exclusive stock cash coupons (use our code: MMTV40 ) Deposit RM5,000 or more  to claim RM200 Nvidia Share  as a reward. Deposit RM10,000 or more to unlock RM500 Nvidia Share as a reward. Deposit RM30,000 or more and make 3 buy trades to receive RM1,000 Nvidia Share*! * Terms and conditions apply. Limited to 5,000 participants, first come first served. Here’s a little trick lah okay – once you’ve deposited your RM30,000 into your account have received the Nvidia stock along with the cash voucher* (which can be used to buy stocks or even Bitcoin ETFs), wait 30 days then you can withdraw your RM30,000 and keep the goodies. By then you can decide whether to sell the Nvidia stock or continue keeping it. But I’m almost certain you won’t do it because the moomoo app will change your experience with investing – that’s how good it is. How to Get Our Exclusive Rewards? Before we explore the app's features, for being our loyal supporter, we want to give you an exclusive reward  when you make your first deposit via moomoo 's app. Follow the simple steps below to earn our Exclusive Reward of a RM40 cash voucher  when you deposit at least RM1,000 for the first time : Step 1: Search for "Exclusive Deposit" at the top right corner before making your first deposit Step 2: Click in "Join Now" to find the "Deposit" page Step 3: At the bottom of the "Deposit" page, find "Exclusive code (optional)" and key in our promo code: MMTV40 What Features Do Moomoo Have? I’ve been raving about moomoo  a lot in this article and I genuinely think it deserves the hype because it is truly an all-in-one super app. In my years of investing, I’ve rarely come across an investment platform that offers as many features as moomoo does. These features (that I’ll get into later) are both easy to navigate yet comprehensive enough for first-time investors and even seasoned ones. Moomoo Features 1: Heat Map The heat map is a visual tool used to display the performance of different market sectors  in a clear and intuitive manner.  As you can see in the picture above, the colour of each sector indicates its gains or losses, with the intensity of the colour reflecting the strength of the price movement. This means that larger sectors represent larger market caps, and the colour intensity provides immediate insight into sector performance. Then, if you click on each sector, you’ll be able to see a chart of how the overall sector is doing, key stocks that contribute to the market movement of the sector, comments as well as news from said sector. This tool comes in handy when you are trying to quickly grasp the overall market trends  and identify which sectors or stocks are outperforming or underperforming . You’ll also be able to customise your settings such as sorting by market cap, volume, or turnover, and adjusting the number of sectors displayed, allowing for a tailored analysis that matches your investment strategy. Moomoo Features 2: Market Monitor The market monitor is a real-time tool designed to help you keep track of unusual activities across all stocks in the markets.  The tool identifies and alerts you to unusual trading volumes and price movements, leveraging filters like market region, price range, and market cap range to tailor the monitoring process to your specific interests or investment strategies. By using this feature, you’ll be able to stay ahead of market movements  by tracking unusual stock activities in real-time. For instance, by identifying stocks with unusual trading volumes and price changes, you might be able to spot potential opportunities or risks early. So, whether you’re looking to capitalize on short-term market fluctuations or want to understand broader market trends, this tool will prove to be very valuable. Moomoo Features 3: Industrial Chain The industrial chain feature provides a comprehensive overview of the various stages, companies, and associated stocks within specific industries , aiding in the detailed analysis of the production and distribution processes.  This tool offers insights into the upstream, midstream, and downstream sectors, alongside a streamlined process for informed stock selection by categorizing stocks based on their industry segment . For instance, in the electric vehicle (EV) sector, it highlights the complete chain from raw material suppliers to manufacturers like Tesla , which dominates battery pack production. This feature not only aids in identifying investment opportunities and risks, especially in scenarios like fluctuating raw material costs but also promotes strategic portfolio diversification  by encouraging investments across different parts of the industrial chain. Moomoo Features 4: Institutional Tracker The institutional tracker is a tool designed to monitor and display the investment activities of established institutional investors .  This feature provides you with  insights into the quarterly position reports of these institutions , showcasing data such as the market value of holdings, changes in holdings, the number of stocks held, and changes in the number of stocks held. It offers a comprehensive overview,  industry distribution of holdings , and a detailed list of holdings for each institution , allowing you to discern the investing logic, trends, and strategies of these major players in the market. The information you’ll get from this tool, helps you understand the strategic moves of institutional investors  and can guide you in aligning your investment strategies with market trends, identifying potential investment opportunities, and avoiding sectors or stocks that are being heavily sold off. Moreover, it offers  clues about market sentiment and potential future movements , enabling more strategic portfolio management. Moomoo Features 5: Investment Themes Just as the name suggests, the investment themes feature offers a curated insight into specific industries, interests, or institutions , providing you with a comprehensive overview that includes charts, company lists, shared comments, and relevant news related to the chosen theme. This tool is particularly useful for investors who are just starting out, as it simplifies the complex world of investing into more digestible, themed segments . New investors can benefit from the structured approach to understanding market dynamics, identifying trends within specific industries or interests, and gaining insights from the shared experiences and strategies of more seasoned investors. Moomoo Features 6: Trend Projection The trend projection tool is designed to enhance the efficiency of analyzing candlestick charts by enabling you to quickly find stocks with candlestick patterns similar to a target stock  and makes it easier to predict what might happen next with the stock you're interested in.  The way it works is that by comparing the patterns and trends of two candlestick charts through a specific algorithm, the tool calculates their similarity and offers forecasts on the future trend of the target stock based on the probability distribution obtained from historical trends of other stocks with similar patterns. This provides a solid foundation for speculating on future stock movements (if that’s what you’re into), making it a valuable tool for those looking to stay ahead in fast-moving markets. Usually, in order to get the information this tool offers, it takes a lot of time, manual labour and advanced knowledge of technical analysis. So, although this feature may be a bit of a stretch for beginner investors to use, it’s definitely one that seasoned investors who rely heavily on technical analysis will appreciate. Moomoo Features 7: In-Depth Insights Into A Company So far, I’ve been explaining some of the key tools that moomoo offer however, there’s an overarching feature that I’ve yet to mention – company analysis . Typically, when you’re using an investment platform, you’ll be able to get some  information on the specific company you’re planning to invest in like its share price movement and capital flow. However, Moomoo’s company analysis goes way beyond that. You’ll be able to get an in-depth insight into a company including the company’s valuation, market distribution, revenue breakdown, income statement, cash flows, shareholders, and insider activity to name a few. Generally speaking, everything you can find on a company’s financial report, you’ll be able to find in Moomoo’s company analysis. Moomoo Features 8: Comments and News Section Similar to the company analysis, the comments and news section is also an overarching feature that can be used in addition to the six tools mentioned above. For the comments section, it sort of works like X (previously known as Twitter) whereby, moomoo users can share their opinion or investment strategies with other users. Here’s the catch, since any user can comment their thoughts, it might not be the best feature to use if you want to make an informed investment decision. Perhaps using it to get a better understanding of market sentiment would be smarter.  As for the news section, depending on how you come across it, it might provide you with news on a specific company, industry or even investment theme. And of course, the news sources are credible and reliable, mostly coming from new portals like Yahoo Finance , Wall Street Journal  and Bloomberg . Moomoo Features 9: Learn More About Investing I think a common obstacle when it comes to starting one’s investment journey is that people don’t know where to begin and there’s too much information out there that it can feel very overwhelming, very quickly. Knowing this, the moomoo app offers a tab where you can learn more about investing. There are articles on top-performing stocks, beginner guides and even courses on technical analysis and the overall economy. It’s really like Investment 101 lah! Moomoo Features 10: Paper Trade  Along that same note of learning more about investing, moomoo also offers a feature called Paper Trade. This feature allows you to engage in simulated market trading without risking actual money.  Think of it as a practical lesson in addition to the theoretical one. This tool uses real market data to enable new and experienced traders, to practice trading, test out investment strategies, and familiarise themselves with various trading scenarios . Through paper trading, you can track the performance of your hypothetical investments, see the potential outcomes, and learn from the experience without the financial consequences of real trading. It’s worth noting that while paper trading offers a safe environment to learn and experiment, the emotional and psychological pressures of real trading can differ  significantly. Therefore, while paper trading is an excellent way to build foundational knowledge and skills, transitioning to real trading should be approached with caution. Step-by-step Guide: Moomoo Malaysia Account Opening Usually, with an investment platform, it takes quite a while to open an account because there’s an endless number of questions you need to answer and fill in. But with Moomoo Malaysia , it takes less than 5 minutes. Here’s how you can do it. 1. Fill in your Personal Details Click here  and start filling out your personal details like your full name, gender, marital status, birthday and so on. 2. Verify your identification You’ll be required to upload a picture of your identification card (IC) for both front and back. And as usual, make sure it’s clear, and doesn’t have any glares. 3. Provide your Residential Address Fill in your address and confirm if it’s the same address you’re currently residing in; otherwise, include your residing address as well. 4. Fill in your Tax Information Most of the questions should already be answered based on your personal details so you’ll only need to fill in your Tax Identification Number (TIN). It’ll look something like this: IG 12345678912. 5. Provide other information Some of the information you’ll be asked to provide here includes your employment status and financial information like your annual income, total assets, investment objective and period. 6. Complete your eKYC, verify your phone number and agree to the Customer’s Declaration Carry out your electronic Know-Your-Customer (e-KYC) which personally took me less than 30 seconds to do. Then, verify your phone number with the TAC Moomoo sends you. Finally, agree to the Customer’s Declaration. In just six simple steps, your moomoo Malaysia account should be up and running within 1-3 business days. Moomoo Malaysia Review: My Honest Opinion  I've been using moomoo for nearly a year now, and honestly, I find myself consistently reaching for this trading app over the others I have on my phone. Let me explain why. Starting with its features, unlike many other investment platforms, moomoo offers an  extensive range of tools , and what's even better is that they're all available for free! Typically, other trading apps charge additional fees for more advanced features, but with moomoo, I’m glad that that's not the case. Personally, I’m a huge fan of the heat map feature because it offers a visual representation of the overall sector performance, allowing me to quickly identify trends. I also really like the institutional tracker as it is quite interesting to me to see the investment activities of major players in the market. Moreover, I commend moomoo's commitment to educating investors . Their "Learn" and "Paper Trade" sections are particularly helpful for both beginners and pros, offering articles, guides, and simulated trading experiences to hone your skills without risking real money. Plus, the sense of community  in the comments and news section is great for staying in the loop and sharing insights with fellow traders. Now, when it comes to the UI/UX of the app, if you've explored different investment platforms, you may have encountered some that aren't very user-friendly and can be quite confusing. However, my experience with moomoo has been the opposite. I find it incredibly intuitive and easy to navigate , allowing me to access its tools and features effortlessly. The layout is clean and well-organised , making it a breeze to find what I need without any unnecessary clutter.  Overall, my journey with moomoo has been pretty great over the past year. It definitely stands out as a top-notch investment platform, especially for those who appreciate a balance between advanced trading tools and educational support . So, whether you're a beginner looking to dip your toes into the world of investing or a seasoned trader searching for an all-in-one solution, Moomoo could very well be the super app you've been looking for. If this article was a little too lengthy for you, I also made a video reviewing the moomoo app. You can check it out here . Disclaimer This is not an investment advice. All content produced is solely for education and entertainment purposes only. Please consult your financial advisor before making any investment decision. All views expressed in the article are the independent opinions of the author, which are not necessarily shared by Futu Malaysia Sdn. Bhd. ("Moomoo Malaysia"). No content shall be considered financial advice or recommendation. Moomoo Malaysia links are included in this post, through which referrals are made and I may receive certain commissions. Please contact Moomoo Malaysia for more information. Subscribe to our financial newsletter  for the latest news, insights, and advice on personal finance, investing, and more. With every email, you’ll gather the confidence and knowledge to make informed decisions to achieve your financial goals.

Now that you have got to know about Interactive Brokers (IBKR) and are ready to start, we have prepared a step by step guide that can help you get started. IBKR provides a pretty straightforward user experience, so we believe in little time you will be up and running with your investments! How to open an account with IBKR? First things first, head on to IBKR's page to open an account. 1) Fill in your details and make sure you choose the country where you are from (corresponds with your identity card), not where you reside. In this case let’s choose MALAYSIA. Click Create Account  when you are ready. 2) You will receive an email from IBKR to confirm and verify your email shortly after. 3) After verifying, you can proceed to choose what kind of account that you want to create. Individual Joint account: Joint account is suitable for couples who want to manage the account jointly and have equal rights to access. However, take note that there might be some legal or tax implications that you need to be aware of. Interactive Brokers (IBKR) Accounts 4) Next, fill in all the required personal details in the form. Tip : It's good to fill in your Tax Identification Number  if you already have it. You can get it from Borang B or Borang BE of your Cukai Pendapatan . 5) After that, IBKR will prompt you to configure your account. Now is the time to choose between 3 types of investment : Cash, Margin or Portfolio Margin. Tip: We strongly recommend you to set up a Cash account as a beginner as this comes with the least risk. Plus you can always change it later once you get more experience. 6) IBKR will also ask you about your Trading Experience in order for them to gauge your knowledge and grant you certain features based on your experience. Just key in your relevant information as you go along. For Malaysians, we are not qualified for the US Treaty Benefits Qualifications so be sure to check the box. 7) Then, go through the certification details, click Yes to agree with the T&C and you will be directed to sign it off electronically. 8) Now that this part is done, you will be directed to the e-KYC process. This is where you need to submit proof to verify your identity (for Malaysians it is the IC) and take a selfie. 9) Once submitted, the system will start verifying you and your documents, and prompt you to wait a while. If all is clear, you will get a notification that your application is now in process. 10) You will receive an email from IBKR stating that your application has been approved. From this point you can now login to the platform and start funding your investment. It usually takes less than 24 hours to be approved, on average. How to fund your IKBR account? Although IBKR does not allow MYR as a base currency to fund your investments, there are a few options for Malaysian investors to do so. First, click on the “Transfer & Pay” button on the upper screen, then you will find the “Transfer Funds” button. Select “Deposit Funds”. Methods of funding your IBKR account Here are the options for fund your account: Use a Bank transfer  Use Foreign Telegraphic Transfer (TT) service from your local account in MYR to IBKR’s international account. Note that your bank will charge a fee for this currency conversion and the wiring transaction so it's good to check with your bank beforehand. Also, it will take a few days to appear in your IBKR account. Use Wise transfer If you have a Wise account, you can use it to transfer money into your funds using the currency of your choice in IBKR. Wise is known to have competitive rates and is a good option to fund your account. First and foremost, you need to link your Wise account to your IBKR account. Once it is linked to IBKR, you can see your balances in Wise instantly within IBKR site. From there, you can choose to transfer money from Wise to IBKR, using one of these 2 methods: Transfer from Wise Balance Bank transfer via Wise Deposit using Wise Wise will do the necessary conversion into your target currency. They will handle all the fees, including whatever fees charged by IBKR . Once you have successfully funded your account, it's time to place orders and begin your first trade. Navigating the platform You will see a big dashboard once your account is verified and approved and you login to the homepage. From here you can start exploring your options for your first trade or investment. Interactive Brokers (IBKR) Dashboard L ive charts, essential financial indicators, and an easy-to-use order form for purchasing shares.r Conclusion That’s it! We hope this guide serves as a good guide for you to venture into IBKR and make the most out of your investments. Don’t forget that IBKR itself has a tonne of resources for learning, so make sure to leverage on it to broaden your experience and maximise returns from investing.

Investment can be quite exciting when you start to understand the tricks of the trade. Thanks to the advancements of financial technology, there are now more ways for a beginner or even a seasoned investor to invest and trade more efficiently, and to add to the excitement, the ability to do it globally. In this article, we will be talking about Interactive Brokers , a global brokerage firm that is well-known among investors around the world for its broad investment opportunities and features. What are Interactive Brokers? Interactive Brokers (IBKR)  is a Nasdaq-listed online trading platform founded in 1978. It offers access to more than 160 global markets, with a diverse range of investment products, including stocks, bonds, ETF, options, futures, and forex, making it an appealing single unified platform choice for individual traders and institutional investors worldwide. IBKR is also known for its low fees and advanced tools for investors to utilize. Why invest with Interactive Brokers? IBKR’s strength is that it provides everything under one roof - so to speak - where you have everything you need to make your investment decisions.  As mentioned earlier, the platform provides access to global markets, allowing investors to find the most attractive market to invest in. IBKR allows investors to fund account and trade assets using 28 world currencies as a base currency, with access to interbank currency trading quotes without any markups or hidden charges. Another interesting thing to note about IBKR is that they are powered with so many tools to use - for example, the IBKR Global Analyst, where investors can scan for investment opportunities around the world before deciding where to invest. Most importantly, IBKR can be relied on for security and trust. As a multiple award-winning broker, they take security seriously and are committed to protect clients from large trading losses through its strong capital position, conservative balance sheet and automated risk controls. What are the fees? IBKR has one of the lowest fees for brokerage out there, and the platform prides itself for professional pricing with low borrowing costs. Opening an account is free, while the trading fees differ by country and region.  Here is the Tiered fee structure for Malaysian investors, which varies from 0.03% - 0.08% depending on the trade value . Unfortunately there is no Fixed rate yet for Malaysia, but the Tiered price seems competitive enough. For withdrawals, IBKR provides one free withdrawal request per calendar month, but any additional ones made in the same month will incur fees. Other than these, IBKR does not impose any more fees, such as  inactivity, custodian, dividend handling, maintenance fees of sorts. Nevertheless, one important tip when selecting a broker is that they are transparent with their charges, and IBKR seems to do it quite well. You can find out a lot of information regarding pricing by checking their website here . IBKR features, tools and learning resources It does  not matter if you are a newbie or a seasoned investor, you can make use of IBKR’s impressive features, tools and learning resources to grow your skills and knowledge of the field. There are tonnes of features and tools offered by IBKR , but we particularly appreciate these ones: Client Portal The Client Portal, which functions like a dashboard, offers a straightforward interface for users to view their portfolios and execute simple buy and sell orders. This is especially good for beginners - the interface is simple and clean, without being overwhelming. IBKR Mobile You can access IBKR on the go, or on your mobile devices via a simplified version of client portal, which is great for easy and quick trades. IBKR Trader Workstation (TWS) The Trader Workstation is perfect for the more seasoned traders. It provides in-depth customization and trading, as it has real-time market data, advanced charting, and risk management tools.  TWS also offers tools for watchlists, order entry, portfolio monitoring, and more. The platform can be downloaded from the IBKR website, with no login free, although some advanced features may require a subscription. IBKR Global Analyst The Global Analyst feature allows traders to identify specific global stocks based on price-to-earnings ratios, market capitalization, growth rate, and so on. In fact, you can also customize what you want to see. It can easily find stocks that match  investor’s strategies based on different variables and suggest suitable ones that match the investor’s goals. It can help to find stocks at potentially undervalued prices across the globe, saves time by allowing targeted searches, and simplifies comparison by presenting relevant data in one place. IBKR Campus The IBKR Campus provides an impressive and comprehensive learning environment which is great for beginners. Nevertheless, no matter what level you are, you can learn about finance, IBKR products and services, markets and technology. Resources are available for learners and educators, ranging from online courses, webinars, podcasts and more.  Besides the one we highlighted, IBKR also provides access to 200 free and premium research and news providers, which can be essential to get to know the climate of the market and current sentiments. Pros and cons of IKBR: To wrap up, here’s our honest take about IBKR in terms of its pros and cons: PROS CONS Low commission and trading fees One-stop investment and trading platform Broad market reach for Malaysian investors Comprehensive learning resources to help beginners learn Sophisticated and in-depth tools for experienced traders Better cash returns compared to common Malaysian banks offer Robust infrastructure Can be intimidating to beginners due to its complex features Steep learning curve Does not support MYR currency, requires services like Wise or TT to fund the account With that being said, if investment is your game and you are interested in taking it up a notch, Interactive Brokers is definitely a recommended and trusted broker.  Get started today and next, find out how to open your free account from our step-by-step guide !

If you’re new to investing, deciding between Exchange-Traded Funds (ETFs) and Unit Trusts can feel overwhelming. Both options offer pathways to grow your wealth but cater to different needs and preferences. Let’s explore their key differences to help you decide which works best for your financial journey. Why ETFs Are Great for Beginners ETFs have gained massive popularity among investors due to their simplicity, cost-effectiveness, and accessibility. They are particularly beginner-friendly for these reasons: Low Barrier to Entry : Unlike Unit Trusts, which often require higher minimum investments, ETFs let you start small. This is perfect for beginners who want to dip their toes into investing without committing large sums. Transparency : ETFs track indices such as the S&P 500, making them easy to understand. You know exactly what you’re investing in, whether it’s tech stocks, global markets, or green energy companies. Low Fees : Cost efficiency is one of the biggest advantages of ETFs. For example, the Vanguard S&P 500 ETF (VOO) has an expense ratio as low as 0.03%. Compare that to Unit Trusts, where fees can range from 1.8% to 3%. Over time, these savings can make a big difference in your overall returns. Flexibility : ETFs trade like stocks, so you can buy and sell them throughout the day. This gives you more control over your investments. However, ETFs do require some knowledge and research. You’ll need to monitor your portfolio and rebalance it periodically to align with your financial goals. Why Unit Trusts Work for Some Investors If you prefer a more hands-off approach to investing, Unit Trusts might be the better choice: Professional Management : Unit Trusts are managed by fund managers who make investment decisions on your behalf. This takes the guesswork out of choosing which stocks or bonds to buy. Guided Assistance : Beginners who feel overwhelmed by financial jargon or market volatility can benefit from the personalized advice provided by Unit Trust agents. They offer insights tailored to your financial needs and goals. Convenience : Unit Trusts are designed to save time. If you’re busy and don’t have the bandwidth to research and monitor investments, having a professional handle it for you can be worth the higher fees. While Unit Trusts are convenient, their costs can eat into your returns. Sales charges and expense ratios often add up, and the question is whether the performance justifies these fees. For instance, top-performing U.S. Unit Trusts have 5-year annualized returns of 12%-13.68%, but they still fall short of ETFs like Vanguard’s S&P 500 ETF, which has delivered 15.72% over the same period. Breaking Down the Fees Unit Trust fees typically fall into two categories: Expense Ratios : This is the percentage of your investment deducted annually to cover fund management costs. Unit Trust expense ratios range from 1.8% to 3%, significantly higher than ETFs. Sales Charges : These are upfront fees paid to the platform or agent when you purchase a Unit Trust. This can add up over time, especially for long-term investors. In comparison, ETFs are much more cost-efficient. While the management is passive and automated, it’s highly effective for tracking market indices. This efficiency allows ETFs to charge significantly lower fees, which compounds your returns over time. Performance: Does ETF Always Outperform? If you’re comparing investments in the same asset class (e.g., U.S. large-cap stocks), ETFs generally outperform Unit Trusts due to their lower fees. However, it’s important to remember that Unit Trusts offer something ETFs don’t: personalized service. The human element in Unit Trusts is invaluable for some investors. Agents can guide you through market trends, explain complicated concepts, and adjust strategies based on your life changes. If you’re someone who learns better through conversations than research, Unit Trusts might offer you the peace of mind you’re looking for. Incentives: Are Agent Recommendations Biased? Let’s address a common concern: Do Unit Trust agents push certain products to earn commissions? It’s true that incentives can influence recommendations, but that doesn’t necessarily mean bad advice. Reputable agents aim to build long-term relationships and prioritize your financial well-being. That said, even robo-advisors aren’t immune to bias. Algorithms are created by humans, and it’s possible for them to subtly favor specific funds. This is why it’s essential to ask questions, stay informed, and evaluate the value of the service you’re receiving—whether it’s from a person or a platform. How to Choose Between ETFs and Unit Trusts Both ETFs and Unit Trusts have their place in a well-rounded investment strategy. Here’s how you can decide: Choose ETFs If : You’re cost-conscious, willing to learn, and prefer direct control over your investments. ETFs offer low fees, transparency, and flexibility, making them ideal for self-directed investors. Choose Unit Trusts If : You value a hands-off experience, need personalized advice, and don’t mind paying extra for professional management. This is particularly helpful if you’re completely new to investing or don’t have the time to actively manage your portfolio. Ultimately, the best approach might be a combination of both. Use ETFs for broad, low-cost exposure to markets, and Unit Trusts for specialized guidance on complex financial goals. Key Takeaway ETFs and Unit Trusts cater to different types of investors, and there’s no one-size-fits-all answer. What’s most important is understanding your goals, risk tolerance, and the level of involvement you want in managing your investments. Do watch our newest video where we invite 4 different financial experts to debate over this topic! There are some spicy questions btw and you might learn a few things too! Looking to Start Your Financial Journey?  Check out StashAway, a digital wealth management platform that helps you build long-term wealth with low, transparent fees and personalized portfolios .  Click the button & use our link, finlit.my/MMTVSA  & apply our voucher code MRMONEY2024  and enjoy RM25,000 on top of RM25,000 new investor promo with a  total of RM50,000 for 3 months of free investing on investment .  portfolios - valued at RM100. If you’re not a new user, don’t worry, you can still enjoy RM25,000  with our promo code!

Navigating career choices and managing finances in your 20s can be a daunting challenge. Many young professionals are faced with tough decisions about their work-life balance, job satisfaction, and how to manage their income. In a recent live session in partnership with Guinness, Peter and Frankie shared their personal experiences and answered questions from the public on how to strike the right balance between career growth and financial stability. 1. Chill Job vs. Hectic Job: Which is Better for Your Career? When asked whether they would choose a relaxed job with a lower salary or a hectic job with higher pay, both Peter and Frankie agreed that they would pick the latter – a more demanding job with better financial rewards. Peter shared, “Now that I’m married, I wish I’d worked even harder when I was single. I worked long hours back then, often until 2 or 3 AM, and while it was exhausting, it was worth it for the financial gains.” If you don’t want to follow these footsteps, then you have to at least be adequately prepared to find other means to earn money. Frankie also chimed in, emphasizing that hard work often leads to higher income, but the key is to work smarter, not just harder. If you’re smart, you can find ways to work less and still earn more. And beyond just working, you need to learn how to invest. Anyone with a salary can begin investing and working towards financial freedom, and it’s best for you to learn earlier rather than later. 2. Generalist vs. Specialist: Which Path Should You Take? The debate between being a generalist or a specialist is a common one, and both Peter and Frankie have their own perspectives. Frankie shared his take: “If I had to choose, I’d pick being a generalist in a specialized field. This gives you the sweet spot in your career.”  Much like a doctor who is a general practitioner, you may hit a ceiling in income after some time without specialization. However, if you choose a specialized path, the pressure and stress can increase, and you might find that the compensation doesn’t match the stress level. The key here is finding the right balance between general knowledge and specialization within your field. Peter, on the other hand, believes in the value of being a generalist. Being a generalist allows you to adapt to different types of jobs and open many doors. You’ll be a jack of all trades, but mastering those trades means having a diverse skill set and a unique ability to link different areas of knowledge together. This is particularly useful in managerial roles where you need to understand and empathize with different departments. 3. Taking the Leap: Leaving Stability for Passion A significant question many young professionals wrestle with is whether to leave a stable job to pursue their passion, even if it means facing financial risks. Frankie shared his personal journey of leaving investment banking to join Peter at MrMoneyTV. He realised that at a certain point, the value he brought to the company did not justify the compensation that he was receiving.  “That’s when I decided to take a leap of faith,”  Frankie explained. He admitted that initially, he wasn’t comfortable giving up his stable job, but after seeing the potential in MrMoneyTV, he went all in. Leaving his full time job was to focus on the potential behind what he believed in and stop all distractions from the past. “ I knew it was a risk, but it was a risk I had to take,”  he said. This shift highlights the importance of assessing personal values and what truly brings fulfillment to you. For Frankie, the opportunity to work on something meaningful outweighed the financial risks associated with leaving his full time job. 4. How Do You Know If You're Underpaid? Many people often wonder if they are being fairly compensated for their work. It is a burning question that almost everyone asks, especially when they just started their career and have no way to properly gauge their value. Frankie, who has experience in sales, shared that the moment he felt he was underpaid came from realising that the amount of effort and value he brought the company was not correlating to the compensation that he was getting. “In sales, it’s all about bringing in the numbers. When I wasn’t receiving the bonuses I felt I deserved for the amount of work I was putting in, I realized I was underpaid.”  He emphasized that while employers often sell a dream, the reality is that compensation sometimes doesn’t align with the effort you put in and it can become quite demotivating as an employee. Peter suggested that salary transparency can be achieved through casual conversations with colleagues. When you’re having a drink with your colleagues, they tend to let their guard down and are more open to talking about money. You’ll be able to get the benchmark salary of what you should be earning just by mixing around and getting real life advice. If you do this, you can easily gauge the market rate for your position. However, if you feel underpaid, you should at least try to give it your all before discussing the matter with your employer. If the situation doesn’t improve after that, it may be time to consider looking for other opportunities elsewhere. Conclusion: Striking the Right Balance Balancing career and money in your 20s is all about making smart choices, setting clear goals, and being patient. Both Peter and Frankie’s experiences show that while hard work and smart career choices are essential, financial security comes from more than just earning a paycheck – it comes from learning how to invest, making informed career decisions, and having the courage to take risks when the time is right. The key takeaway? No matter what path you choose, stay consistent, focus on building your skills, and always make decisions with both your career and your financial future in mind. Missed this live session? Catch the full video on our channel and share your thoughts in the comments. Btw, we are still running the competition to win a FREE exclusive omakase dinner so drop by our channel to watch the video, and give us a like & subscribe to stay notified on future events and comment the number of times we say our tagline, “Sip Sip Hooray!” , to stand a chance!  A lot of our live events share much more than what is shown on video, if you’re interested in future live events, click the link below to let us know your interests!

Our second live event in collaboration with Guinness focused on a topic that resonates with many: Dating in Your 20s . Peter and Frankie shared personal anecdotes, financial relationship advice, and answered burning questions on navigating the complexities of relationships. Here are the highlights: Building Confidence and Being Genuine The one message that was emphasized the most was the importance of building self-confidence and staying true to yourself. Be Yourself:  Confidence comes from doing what you love and perfecting your craft. When you focus on becoming a genuine version of yourself, you naturally attract people who appreciate you for who you are. Staying Grounded:  Relationships can be challenging, and it’s crucial to stay rooted in reality instead of falling into extremes. Define what matters in your relationship and build it on trust and mutual respect. Frankie’s journey to finding his wife was a heartwarming tale of serendipity. Starting as university course mates, his playful nature eventually evolved into deeper conversations and genuine care. Their relationship blossomed when he realized the value of their bond during her move to Australia. This story is a reminder that sometimes, love finds you when you least expect it. Navigating Finances in Relationships Money can be a sensitive topic in any relationship, but Peter and Frankie shared practical lessons from their experiences. Peter’s Take:  A relationship should be a give, give  situation. If it starts to feel one-sided, take a step back to evaluate without scrutinizing. Relationships evolve, and it’s important to allow time for adjustments. However, if issues persist, it’s essential to question whether the relationship is still healthy. Frankie’s Experience:  Balancing finances in long-distance relationships can be tricky. Flying to Singapore every weekend to see his fiancée became financially exhausting, but her understanding and willingness to share expenses kept things balanced. This mutual appreciation of effort and financial compromise is a cornerstone of any strong relationship. Partner Therapy or Pre-Marriage Courses? One audience question sparked a meaningful discussion on relationship guidance. Both Peter and Frankie advocated for pre-marriage courses as a way to open communication and set expectations before committing to marriage. These courses encourage reflection and help couples strengthen their bond. While therapy can be valuable, they warned that biases from a therapist could complicate relationships. For couples in early stages or without significant issues, a course provides a less intrusive way to foster growth and understanding. The Takeaway Relationships in your 20s are about self-discovery, mutual growth, and finding balance. Whether it’s through building confidence, navigating financial challenges, or opening up through courses, the key is to remain genuine and intentional. Missed this live session? Catch the full video on our channel and share your thoughts in the comments. Btw, we are still running the competition to win a FREE exclusive omakase dinner so drop by our channel to watch the video, and give us a like & subscribe to stay notified on future events and comment the number of times we say our tagline, “Sip Sip Hooray!” , to stand a chance! A lot of our live events share much more than what is shown on video, if you’re interested in future live events, click the link below to let us know your interests!

When I first set out to renovate my home, I estimated that RM400,000 would cover the costs, but I never knew that things could quickly spiral out of control! Hidden costs in renovation eventually crept up, and it wasn’t long until my budget went up to RM700,000!  Curious about how this happened? I shared the full details in a video on MrMoneyTV’s YouTube channel, where I also sat down with Peter to dive deeper into the subject. However, if you’re pressed for time, let me give you a few quick tips I shared in that video. Learning from Others’ Mistakes Renovating a home can be expensive, no doubt. But it’s possible to manage the costs if you focus on what truly matters.  This is where I was actively doing a lot of research and learning from other people’s mistakes to prevent costly errors from happening any further, which is something I recommend you doing more of while you organise your renovation plans and budget! Compare Prices  For example, I compared prices for the necessary materials, appliances, and utility items for the project from various places. While I was mindful of how inflation affects their prices and how much I would need for the house renovation, I wanted to still achieve practicality and functionality while still remaining practical and being within a budget. In fact, that’s where Joven came in handy with its range of practical appliances that offer long-term value. Joven’s products, like their water heaters, may not be fancy, but they’re reliable and more affordable than high-end brands. If you’re on a budget but still need quality appliances, Joven is definitely worth considering. Don’t Be Cheap on Professionals Here’s a critical lesson I learnt from this home renovation project: don’t skimp on architects or structural work. If there are hidden structural issues in your home, and if you’re not a pro at it; you need the right people to address them, much like consulting a pharmacist before getting the right medication. In my case, the foundation of my house wasn’t strong enough for the new design, and it cost RM50,000 to reinforce it. Then came architect fees, permits, and unforeseen demolition costs—all unavoidable if you want a safe and functional home. Don’t try to save in these areas; instead, invest in structural integrity. Save Where It Counts While it’s essential not to cut corners on professionals, there are areas where you can save, like getting Joven’s affordable and functional appliances that are perfect examples of quality without the luxury price tag for your newly renovated home.  I’ve used their products, including their Water Heater that’s lasted me more than five years! It’s still working perfectly and only cost me a fraction of what other brands would charge. It’s about balancing where you spend and where you save. You don’t need the most expensive brands if functionality and longevity are your goals, and that’s exactly what Joven delivers. Be Mindful In the end, home renovations cost a lot for most of us, and they can come with hidden expenses that can catch you off guard.  From permits to structural repairs to rising material costs, it’s easy for a budget to balloon out of control. But if you plan carefully, learn from others’ experiences, and balance where to save and where to spend, you can still keep things manageable. By doing so, you can also make room for affordable appliances that focus on functionality to fulfil their purpose. For more insights on navigating these challenges, check out the full video on MrMoneyTV’s YouTube channel. Trust me, you’ll want to avoid these pitfalls when tackling your renovation projects! Subscribe to our   financial newsletter  for the latest news, insights, and advice on personal finance, investing, and more. With every email, you’ll gather the confidence and knowledge to make informed decisions to achieve your financial goals.

City living might seem glamorous and full of life, but the daily grind of living in a busy and vibrant city can become too consuming, eventually making you feel overwhelmed. So, it is not surprising that many who were once city dwellers are now choosing to live further, even when the commute could take up a chunk of their time in the mornings and evenings. The reasons are simple: a chance to connect to a real home and regain a sense of peace and tranquillity. Escape from the city As Malaysians embrace a more contemporary and flexible working arrangement, living further from the city is not only doable, but it also offers a chance to recharge and refresh the mind.  Home should be where people can connect with nature and a community, enjoy their favourite leisure activities at ease, and not have to constantly live in a rush. This is the where the mind flourishes and contributes to better mental health as people attain a balance between work and life. Financially, living away from the city has its perks as property prices are more affordable, without sacrificing living spaces. This is particularly great for long-term plans like starting a family and eventually owning properties at greater value. Plus, townships outside the city are now more accessible and provide all the essential amenities such as medical centres, schools, lifestyle & commercial centres and recreational parks. Modern living with a laid-back charm Recently, our team had an opportunity to visit the idyllic area of Seremban 2, specifically Sutera S2 Heights Aman, a township developed by IJM Land that is nestled amid lush landscapes and rolling hills of Negeri Sembilan. It offers an ideal setting for living outside the city, with a township cleverly constructed to suit the needs and tastes of a modern family and young professionals, while keeping a sense of community and connection to nature. Serene location with easy connectivity Sutera S2 Heights Aman is easily accessible via the nearby toll exit to PLUS highway. The township is located closer to Selangor and KL, making the journey into the city bearable and shorter, compared to locations further into Negeri Sembilan. Nevertheless, access to important amenities such as the KPJ Seremban Specialist Hospital, Columbia Asia Hospital Seremban and Klinik Kesihatan Seremban 2 is just within 15 minutes. There are around 14 choices of school, ranging from government to private schools. There are also plenty of commercial hubs and malls within reach, such as the S2 Uptown Avenue, AEON Mal, Mydin Mall & Lotus’s Hypermarket. Chic and smart residential homes We then had the chance to tour one of the show homes of Sutera S2 Heights Aman. It’s impressive how they have considered the modern needs in mind - the homes are all equipped with a digital door lock, which is part of its smart home configuration. An added convenience for electric vehicle (EV) owners is the ready-installed EV isolator point on the car porch. This thoughtful feature eliminates the need for any additional installation, saving you thousands of ringgit in installation costs. The layout of the home adopts an open space concept, with ample natural light and airflow. Again we were impressed with the design that incorporates accessibility elements - the room on the ground floor has a toilet with a sliding door and a ramp, which is helpful for wheelchair users or families with elderly people. The homes are all surrounded by greeneries, with walking paths surrounding the guarded neighbourhood and solar-powered street lights illuminating it at night. We also visited the pet-friendly park that is designed for residents to allow their pets to wander safely. Additionally, there will be 2 other parks which are a 12-acre lake park and a 3-acre kids adventure park. Overall, we find Sutera S2 Heights Aman a pleasant area to live in and desirable for those who are looking for a place that is not too far and not too near to KL. With well-designed homes and neighbourhoods, it’s perfect for those who want to have a simple and laid-back life but at the same time don't want to be disconnected from the modern lifestyle needs. Looking to make Seremban 2 your next home? Watch our full video on MrMoneyTV’s YouTube channel to learn more about our visit to Sutera S2 Heights Aman and what it has to offer!

Speaking of financial literacy, we all have probably heard the old adage of “ In the long run, it’s not just how much money you make that will determine your future prosperity. It’s how much of that money you put to work by saving it and investing it .” But, the real question is how exactly do we do it?   One of the ways is to build wealth, and more often than not, the first thing that comes to mind is to start an investment. However, to some newbies or even experienced investors, it could sometimes get quite overwhelming. But wait, what if there is actually a way to invest in an easy, simple and most importantly, effective way? The answer could be StashAway - a digital wealth management platform that allows you to build an investment portfolio that is tailored to you and your financial goals. It uses an algorithm based robo-advisor that will monitor your investments and do the necessary rebalancing in your account ( selling and buying ) to suit your investment goals. Read on as we share more in this StashAway review: How does StashAway work? The aptly named StashAway provides a simple investing solution - you stash your money away and invest in a low-cost, risk-managed portfolio of Exchange-Traded Funds (ETF).  ETF allows for an investment in a diversified portfolio of stocks, bonds, or other assets without the need to pick individual securities. Instead of having to worry about which stock will perform best, an ETF gives you exposure to a broad range of companies or industries, and spreads out your risk. Investing in an ETF also allows for a more passive investment that does not require us to constantly monitor our portfolios. With the robo-advisor technology, StashAway automates the investment and builds a portfolio that is customized to the investor’s risk profile and subsequently monitors the investment. The platform also allows recurring transfers and keeps investors informed by sending regular updates from its CIO. With its low and transparent fee structure, it's pretty much a comfortable place for anyone to start investing. Who is StashAway suitable for? StashAway is great for beginners, because it takes out the guesswork and reduces the anxiety that comes with investing for the first time. Nevertheless, it is also still a smart and reliable investment option for anyone with any investment experience level, because it builds a diversified portfolio and manages risk effectively. Nobody needs to be a market expert to get started investing in StashAway .  How about StashAway fees? Compared to unit trust funds that typically come with a 5% upfront sales charge and a 2% annual management fee, StashAway fees only range from 0.2% to 0.8% per year. The annual management fee in StashAway is calculated as a percentage of the total assets under management and is charged monthly on a pro-rated basis. The other fee included is the low fee associated with the ETFs, averaging 0.15% - 0.25%. Other than that, a currency conversion fee is charged at 0.29% of the transaction amount, which is the fees charged by StashAway vendors, but is a lot better against the higher currency conversion fees charged by commercial/retail banks (1-3% depending on transaction size). StashAway does not charge for: Withdrawals Opening an account Closing an account They also provide unlimited and free: Withdrawals Switching or transfers between portfolios Whatever costs related to rebalancing, and re-optimisation are already included in the said fees percentage above. Is StashAway safe? StashAway is licensed by the Securities Commission Malaysia, and all investors' money are held safely by custodian banks, namely Citibank and HSBC.  They don’t mix up their operation funds with investor’s money, by using an SC licensed trustee, so that also makes it secure. The system adopts a strict withdrawal verification, with a 2-factor identification in place for login. What type of investments are offered by StashAway? StashAway provides a few ways to start investment. Depending on what your goals are, you can select from: General investing for the long run Thematic portfolios if you wish to invest in certain technologies Flexible Portfolios where you can pick the asset classes you want, decide their exact allocations, and change them any time Grow cash with StashAway Simple Projected 3.6% return per annum Shariah compliant funds Perfect for saving for retirement, education, or something on your wishlist Start investing with StashAway So there it is, we have covered all the essentials that you need to know before starting to invest with StashAway. It could be the best solution if you are looking for a simplified, stress-free and low-risk platform to invest in. It could also be a great place for you to start growing cash for your travel or wishlist sinking fund through StashAway Simple . Whatever it is, we hope it will help you reach your financial goals in time. Visit StashAway's website  or download the StashAway app from Google Play Store or Apple Appstore to get started with your investment! How to to sign up and set up a portfolio on StashAway: Getting started with StashAway is easy! All you need to do is download the app from Google Play Store or Apple App Store, and just follow the steps outlined below: Click on the Sign Up button to begin: Select “Create a New Account” : Choose your authentication method, whether to use Face ID or PIN: Enter your details into the form: Answer questions related to your eligibility: StashAway will begin a financial assessment to customise your portfolio: Once done, you can start setting-up your investment portfolio. For this guide, let’s go for General Investing. Select the “Invest for long-term wealth” option: Choose the “Hands-off” option to let StashAway manage the investment for you: Select “General Investing” and then tap on “Explore”: Here, it'll show you the details for your portfolio depending on your risk appetite: You will be asked to select your risk appetite by sliding the button up and down the range: Name your investment portfolio accordingly so that you can easily manage it later, and select “Create Portfolio”: Once your portfolio is set up, you'll be taken to the deposit page. Here, you can choose from three options: direct debit (quick and easy from your bank account), manual deposit (online transfer), or asset transfer (move investments from another portfolio). Do note that first time deposits will take up to 6 business days to process, according to StashAway’s e-mandate with banks that ensure security. You will be asked to fill in your personal and account details for deposits. Then you are given a choice of a one-time deposit or a recurring deposit. After choosing which type of deposit you want, you can enter the amount to deposit. Then review your details & deposit, and you’re done! That’s it! Once everything is completed, you will get a confirmation for your registration and  your account will be up and running within 1-3 business days. After you’ve deposited, you can look at the performance details of your investment in the ‘General Investing’ tab. Here, it will show you the current value of your investments, and the total returns that you’ve had overtime. Under the assets tab in ‘General Investing’, you can also browse through the different investments that StashAway has made. After you’ve completed all the steps, this is what your page will look like. Here you will be able to browse through performance graphs, and the different investments you’ve made! It’s 2025, a new year for new opportunities! Click the button below if you’re interested in getting started on your investment journey. 👇🏼 And don't forget to tune into our video where we dive into StashAway's performance over the years! You'll be interested to hear what we found 👀

When it comes to investing, most Malaysians are familiar with local brokerage firms that allow them to buy stocks on Bursa Malaysia. But what if you wanted to invest in global tech giants like Apple, Tesla, or Google? Or explore opportunities in European and Asian markets? That’s where Interactive Brokers (IBKR) comes in. Interactive Brokers is one of the most powerful and low-cost trading platforms in the world, giving investors access to markets across 33 countries and 150+ exchanges. Whether you're a beginner looking to invest in well-known global companies or an experienced trader seeking advanced tools, IBKR has something for you. But what makes IBKR stand out? Here are five key features that every investor should know. Earn Interest on Cash Balances Most Malaysian brokers don’t pay you anything on your uninvested cash. If you sell a stock and leave the cash sitting in your account, it just sits there—not growing. But with IBKR , your idle cash can actually earn interest, helping you maximize every ringgit. Here’s how it works: Unlike local brokers, IBKR lets you earn market-rate interest on your uninvested cash. However, there’s a small catch— IBKR does not pay interest on the first USD 10,000 (around RM45,000) of your cash balance. Interest is only paid on amounts above this threshold, and the rate depends on your Net Asset Value (NAV)—the total value of your IBKR account. For Malaysian investors, this is a huge advantage, especially if you hold large cash balances while waiting for the right investment opportunity. Why This Matters for Malaysian Investors: Higher returns on your cash  – Unlike most local brokers that offer zero interest, IBKR helps your uninvested funds grow. Better than a savings account?  – With market interest rates around 3.83% for USD, your cash could earn more than what Malaysian banks offer on savings accounts. Ideal for investors with large portfolios  – If you have USD 100,000 (approx. RM447,000) or more, you qualify for full market-rate interest. If your balance is lower, you still earn some interest, but at a reduced rate. Example: How Much Can You Earn? IBKR Cash Balances Rate and Tiers Let’s say you have USD 20,000 (RM90,000) in cash in your IBKR account. Since the first USD 10,000 doesn’t earn interest, you only earn on the remaining USD 10,000. If the annual interest rate is 3.83%, that’s USD 383 per year (around RM1,700)—just by keeping your cash in IBKR instead of a regular brokerage account. This makes IBKR one of the best options for Malaysians looking to make the most out of their uninvested cash. While it may not benefit smaller accounts as much, for serious investors, this feature adds real value. Access to Global Markets Most Malaysian investors only trade on Bursa Malaysia because that's what local brokers offer. But let’s be honest—Bursa Malaysia is small compared to global markets, and many of the world's biggest investment opportunities lie outside Malaysia. With IBKR, you get direct access to global markets, including: U.S. (NYSE, NASDAQ):  Invest in companies like Apple, Microsoft, and Tesla. UK (LSE):  Trade stocks of major British firms. Japan (TSE):  Get exposure to big names like Toyota and Sony. Hong Kong (HKEX):  Invest in Chinese tech giants like Alibaba and Tencent. Why Does This Matter? Let’s say you believe AI is the future. Bursa Malaysia has very few AI-related stocks. But with IBKR , you can easily invest in companies like NVIDIA (NASDAQ: NVDA), one of the biggest players in AI development. Or maybe you want to invest in U.S. ETFs that track the S&P 500 or Nasdaq. Again, most local brokers don’t offer this, but IBKR gives you full access. Simply put, IBKR lets you diversify your portfolio beyond Malaysia, giving you access to the best investment opportunities worldwide. Low-Cost Trading and Transparent Fees One of the biggest complaints about Malaysian brokers is their high fees. Most charge between 0.1%–0.42% per trade, with a minimum fee of RM8–RM12 per transaction. This might not seem like much, but it adds up, especially for frequent traders. IBKR , on the other hand, is known for its low-cost trading. U.S. stocks:  Trade for as low as $0.005 per share (with a $1 minimum). IBKR Lite:  Offers zero commission on U.S. stocks and ETFs. Forex and Options:  Some of the lowest spreads in the industry. The best part? IBKR doesn’t hide fees in small print. Everything is transparent—you know exactly what you’re paying for. Whether you're an active trader or a long-term investor, this can save you thousands in fees over time. Advanced Trading Tools for Every Investor Most Malaysian brokerage apps are basic—you can buy and sell stocks, and that’s about it. IBKR, on the other hand, is packed with powerful tools for investors who want more control. Trader Workstation (TWS):  A professional-grade trading platform with real-time market data, advanced charting, and risk management tools. API and Automation:  Want to automate your trades? IBKR allows integration with Python, Excel, and even custom trading algorithms. Mobile App:  A simplified version of TWS, perfect for investors who want to trade on the go. Even if you’re not a professional trader, IBKR provides all the tools you need to make informed decisions and manage risk effectively. Margin Trading with Low Interest Rates Margin trading allows you to borrow money to invest more than your actual capital. Think of it like taking a loan to buy more stocks. This can amplify profits—but also losses—so it should be used carefully. IBKR offers some of the lowest margin rates in the industry, meaning if you use leverage, you pay much less in interest compared to most brokers. Example: Let’s say you have RM10,000 but want to invest RM20,000 in stocks. With IBKR’s low-margin rates (as low as 5.83% for USD), your borrowing cost is significantly cheaper than most competitors who charge double-digit rates. Of course, margin trading isn’t for everyone. But for traders who know what they’re doing, IBKR’s low rates make it much more affordable. Is IBKR Right for You? Now that you know IBKR’s best features, you might be wondering whether it’s the right platform for you. The answer depends on your investing style and needs. IBKR is a great choice if you’re looking for access to global markets beyond Malaysia. Unlike many local brokers that limit you to Bursa Malaysia, IBKR allows you to invest in stocks, ETFs, options, futures, forex, and bonds from over 150 exchanges worldwide. If diversification is important to you, IBKR gives you a significant edge. Another key advantage is its low trading fees and transparent pricing. Traditional brokers often charge high commissions, hidden fees, or currency conversion markups. With IBKR , you get some of the lowest rates in the industry, ensuring that more of your money stays invested. If you tend to keep idle cash in your brokerage account, IBKR offers another benefit—you earn market-rate interest on your uninvested funds. Unlike other platforms where your cash sits idle, IBKR ensures you earn a return even when you’re not actively trading. For traders who rely on advanced tools, IBKR stands out with its powerful Trader Workstation (TWS), real-time market data, and automation features. Whether you use technical analysis, custom trading algorithms, or need integration with Python or Excel, IBKR provides a robust platform to support your strategy. However, it does come with a learning curve, so it’s best suited for investors who are comfortable with more advanced tools. That said, IBKR may not be the best fit for everyone. If you only trade Bursa Malaysia stocks, a local broker might be more convenient, offering easier funding options and a more user-friendly experience. Similarly, if you prefer a beginner-friendly app with a simple interface, IBKR’s complexity could feel overwhelming. Ultimately, IBKR is a powerful platform designed for investors who want global access, low fees, and professional-grade tools. If those features align with your goals, it could be an excellent choice for your investment journey.

Investing always sounds like something you need a huge capital to start. But what if we told you that RM1,000 is enough to kickstart your wealth-building journey? Yes, RM1,000 may not seem like much, but it’s a powerful amount to begin investing. It allows you to tap into various asset classes, harness the power of compounding, and—most importantly—develop the right money mindset. Here’s why it works and how you can start investing today. Why RM1,000 Is the Perfect Starting Point Accessibility to Investment Options The biggest misconception about investing is that you need tens of thousands to get started. But the truth is, RM1,000 gives you access to various investment options : Fixed Deposits (FDs)  – A great low-risk option where you park your money for a set period and enjoy guaranteed returns . While returns may not be high, FDs provide stability and are a good way to preserve your capital while earning modest interest. The risk level of this investment is very low but the annual return is on average 3%-4%. Gold & Commodities  – Some digital platforms like Maybank’s Gold Investment Account allow small investments in gold, making it easy to hedge against inflation. You can start with as little as RM1,000 and gradually accumulate more. Gold is widely considered to be a safe investment as the general trends have always shown a steady rise, however the price of gold can fluctuate at any time giving you a harder time predicting its value. Unit Trusts  – Many fund houses in Malaysia allow initial investments starting at RM1,000. These funds pool money from multiple investors and are professionally managed to provide diversified exposure to equities, bonds, and other assets. You don’t need to be an expert—just choose a fund that matches your risk appetite. These are low to moderate in risks depending on the fund asset allocations. Balanced funds give 4-7% while equity funds have a return of 7-12%. Robo-Advisors  – Platforms like StashAway , or Wahed Invest allow you to start investing with relatively low deposits. Robo-advisors use algorithms to automatically manage your portfolio based on your risk tolerance, making them ideal for hands-off investors. Robo-Advisors are also low to moderate in risks as they operate the same way unit trusts do. It all depends on the investment knowledge you have when investing. Stocks & ETFs  – Some brokerage platforms like moomoo allow fractional investing, meaning you can buy shares of big companies  like Tesla, Apple, or Google without needing to fork out thousands. Exchange-traded funds (ETFs) provide diversification by tracking indices like the S&P 500, giving you exposure to multiple stocks in one investment. This category is within moderate to high risks. While annual returns can potentially be higher than 15%, the market is much more prone to volatility. With RM1,000, you can diversify even with a small amount , spreading your risk across different investment classes while keeping your capital protected. It should also be noted that please use one account as much as possible. This can facilitate your fund management and improve the efficiency of fund usage. In this way, you can quickly allocate funds to places with higher certainty of returns. This is the benefit of using moomoo . In moomoo , you can invest in FDs, gold ETFs, stocks, etc. with one account. You can choose different investment categories based on your risk tolerance. This makes it easier for you to manage your assets and thereby obtain higher returns. The Power of Compounding – Your Money Grows While You Sleep Investing isn’t just about putting money in and hoping it grows. It’s about harnessing the power of compounding—where your money earns returns, and those returns start earning more returns. A helpful & simple tool that anyone can use to determine investments is the rule of 72. Using this formula, you just enter your capital and return rate to determine how long it would take to double your investments. Here’s a simple breakdown using the Rule of 72: At a 7% return per year → Your RM1,000 doubles in 10 years. At a 10% return per year → Your RM1,000 doubles in 7.2 years. By consistently reinvesting your gains and adding more funds when possible, you can supercharge your investment growth over time. Low-Risk Learning & Experimentation One of the biggest fears new investors have is losing money. But starting with RM1,000 keeps your risks manageable. Instead of going all-in with a big sum, you can use RM1,000 to test different strategies, learn from small mistakes, and refine your investment approach. It’s a great way to build confidence and develop investing discipline without worrying about major financial losses. Avoiding the “Paralysis by Analysis” Trap Many people hesitate to invest because they feel overwhelmed by choices, afraid of making mistakes, or simply unsure of where to begin. But here’s the truth: starting is more important than starting perfectly. RM1,000 is the perfect psychological entry point—it’s small enough to be comfortable, yet significant enough to build good investing habits. Instead of waiting for the “perfect time,” take action now. The best investors in the world don’t wait; they start, learn, and adapt. Moomoo's latest promotion Get Started Today with moomoo The hardest part of investing? Getting started. But with platforms like moomoo , investing has never been easier. Open an account with moomoo  and enjoy 180 days of commission-free trading  across US, Malaysia, Singapore, Hong Kong & China-A stock markets! Plus, get a 5% return for 30 days  with Cash Plus!   Moomoo’s  Cash Plus  offers a smarter way to grow your money with a high-yield money market fund. With returns of up to *5% p.a. , no lock-up period, and zero fees, it’s a low-risk way to earn passive income while keeping your funds accessible. You can start investing with as little as RM0.01 , making it an easy and flexible option for anyone looking to optimize their cash. *If the annual return rate of your subscribed fund is below 5% p.a., Moomoo MY will subsidize the difference for up to 30 days in the form of cash coupons, limited to RM10,000 in your first subscribed fund. New users will receive the subsidy 30 days after their initial subscription. Deposit RM1,000+  and claim RM140 in rewards , or go bigger—deposit RM30,000+ and make 3 trades  to get RM1,700 worth of Tesla shares! *Use our exclusive code MMTV40  for extra RM40 stock cash coupons. Check the picture down below for steps on how to get started today! *T&Cs apply. All views expressed in the article are the independent opinions of Mr Money TV, which are not shared by Moomoo Securities Malaysia Sdn. Bhd. ("Moomoo MY"). No content shall be considered financial advice or recommendation. Moomoo MY links are included in this post, through which referrals are made and I may receive certain commissions. Please contact Moomoo MY for more information. Use our code: MMTV40 to get an extra RM40. Remember, the key to financial freedom isn’t how much you start with—it’s about starting early, staying consistent, and making smart investment choices. Your RM1,000 today could be the foundation for long-term wealth.