Her Duit

All over social media and the news, we see headlines of companies outside Malaysia increase, from Gamestop to Tesla to Alibaba to Zoom. Have you wondered how on Earth do you get to buy stocks from these companies? Investing in companies outside of Malaysia is not that straightforward (a few caveats aside, like investing in ETFs through robo-advisors). First, we need to register for a brokerage account and go through their verification process, which can take weeks to months. Beyond that, we probably need to have a good amount of capital before even considering buying individual US stocks. Then, you have to figure out how on Earth do you most affordably convert your hard-earned Ringgit into currencies like USD or SGD, and not lose too much money before finally being able to buy your coveted Apple stock. 

Today's episode breaks down these complicated steps into simple ones, with Gracie, the founder behind RinggitFreedom.com. I invited Gracie over to share her journey towards finding the right brokerage for her, after her very extensive research into brokerage accounts abroad that are available to Malaysians.

03:07: Gracie answers 5 quick-fire questions

Gracie's Instagram: https://www.instagram.com/ringgitfreedom/

Sustainability is actually tied more closely to money than we think! In this episode, Hani talks in-depth about how we can be more sustainable and even save money while we are at it. I also learned that there are a lot of concepts in sustainability that are similar to how we should look at money, and one of them is conscious spending. We also hear more from Hani on her money journey and how she views financial freedom as a millennial working adult!

Hani started working when she was 19! At 24, she had 5 years of working experience already in her hometown in Kuching and COVID-19 pushed her to make a move to Kuala Lumpur for the next phase of her career.

Episode details:

We carry on with our yes or no questions with Suraya Zainuddin, blogger behind RinggitOhRinggit.com on the topics of debt and investing. There are very contrasting views on the Internet, like, 'never ever use a credit card', 'always pay more for your loan repayments', 'just buy ETFs, don't buy stocks'. Honestly, there are always two sides to the coin! Today's episode uncovers Suraya's thoughts and opinions on these money topics. Let us know if you agree or disagree!

01:42: Credit cards - yes or no?

You can find Suraya at the following channels:

Want to hangout with me instead?

Instagram: https://www.instagram.com/her.duit/

This week, we have Suraya Zainuddin, the writer behind RinggitOhRinggit.com, a popular personal finance blog in Malaysia! We tackle money topics that people usually disagree on, like fixed deposits, minimalism, buying a house, buying a car, avocado toasts. I know, it sounds exciting already! This episode particularly, we focus on the topics surrounding saving and spending. Stay tuned as we continue to tackle more questions in the next episode.

02:21: Suraya answers 5 quick-fire questions

We continue our conversation on beginner stock investing with Yee Ping in this episode. Starting by clarifying the common terminology of the stock market (that we have heard of but want a simpler explanation) and answering your common questions and fears about having little capital and on the risk and fear of losing your money.

01:08: What are dividends?

Book recommendations from Yee Ping:

On behavioural finance:

On investing in general:

Other resources:

In this episode, we have Yee Ping, currently a Senior Data Scientist & Data Analyst at Kenanga Investment Bank, she is also a Chartered Financial Analyst. She covers the absolute basics of investing in the Malaysian stock market in this episode, from registering for an account and understanding terminology! *Apologies that the audio in this episode isn't great!*

03:07: What is stock investing?

MJ shares her journey in value investing and how she had to go through naysayers,  and several courses to learn that her emotions were the contributor to how she managed her money. One of the biggest takeaways I got from MJ's sharing is her vulnerability, willingness and determination in learning and sharing. Despite the confirmation bias she grew up with, which is that women are not great in numbers nor in investing, she continued to strive to take charge of her personal finance. I hope you feel inspired too! 

00:58: How did @valueinvestormom begin?

Check out MJ's blog at www.valueinvestormom.com. 

MJ's Book Recommendation:

MJ is an educator and a value investor, above all else, she is a mom. She's been running her blog, valueinvestormom.com where she shares her insights beyond just the realm of money. In the first part of this week's episode, she talks to us about family financial planning - the what, the how, the why.

01:04: MJ Answers 5 Quick Fire Questions

Following on from Swan's educational episode on financial independence, we dive into learning more about Swan, her YouTube channel, Swan Thinks, cyberbullies, unit trusts and her investment portfolio. If you are Malaysian, you will likely also resonate with how we spend way too much money on food! 

01:26: Swan Think's Best & Worst YouTube Moments