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Gold: HelloGold(primary digital), Maybank Gold Investment Account (secondary digital) and gold jewellery (not considered investment, but rather sentimental pieces physical).
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Roboadvisor/ETFs: Wahed Invest (I like that it includes US stocks use code ‘surbin1’ to ger RM5 upon opening new account) MIDF Invest (same got it for the exposure to US stocks market too. Mutual fund/Unit trust: ASB (took RM50k ASB loan when I was 23) Tabung Haji, Best Invest I also prefer Shariah-compliant investments) Instead of justifying each of them, here’s the best investments in Malaysia. (I’m going to keep this section short and sweet.
#Personal finance software malaysia for free#
Related: 6 Ways to Get Bitcoin for Free (for People Bullish on Bitcoin Price) #7 – Investments Working for crypto is how I accumulate most of my stash actually. I also use crypto wallets to receive payments in crypto. Receiving money online: Payoneer vs Paypal The former is practical (it’s integrated everywhere) but the latter is the better deal to receive payments – they have lower withdrawal fees. (I have this because I sometimes work with international clients) Related: Best E-Wallets in Malaysia: Comparing 38 E-Wallets in 7 Categories #6 – International money transfers/payments In terms of e-wallets, we’re quite spoilt for choice actually. I also use other e-wallets as and when it suits me. Obviously, I have the Big Three: Grab, TnG e-wallet and Boost Obligatory referral code: INLALP7ZLE (or click direct link in ) #5 – E-wallets Shoutout to myself for remembering to freeze the card when not in use /bHqVYTSnmD
Shoutout to BigPay card for blocking a recurring payment I forgot to cancel It’s especially handy for signing up for recurring payment that you DON’T want to coninue paying – just freeze the card when not it use and the payments will simply not go through. I also enjoy using BigPay cards for both international travel and online shopping. Called them to block the card & transfer remaining balance to my bank account. Have you registered your details on TnG website? I lost mine also before.
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Thanks everyone who advised ways to recover the lost amount (hint: keep the receipts, register the serial number) The one I use now is the MyNews-branded one and it’s good – no RM0.50 charge for topups made at MyNews stores.Įdit: I dug out the Twitter thread about the time I lost my TnG card. Used to have a few of them until I lost all but one.
Like many of you, I use Touch N Go cards. We’re not quite a true cashless society yet. I withdraw ~RM500 in cash every so often just to be safe. Related: Best Credit Cards in Malaysia: 5 Maybank Cards You Recommended #3 – Debit cardsĭebit card #2: CIMB Mastercard debit card. I’m biased, but the Maybank 2 Gold Cards mentioned above is an excellent starter credit card. Credit card #1 and #2 came together as a set.Ĭredit card #3: CIMB Cash Rebate Platinum Mastercard. Only for personal use.Ĭredit card #2: Maybank2 Gold Card Mastercard. I’m a big fan of credit card as financial tool – love the cashback, points and other perks.Ĭredit card #1: Maybank2 Gold Card Amex card. I’d say I’m fairly happy with them, but always wondered how different the experience would be with other banks. I ended up with Maybank because my parents opened up a Maybank Yippee account for me when I was in primary school, and ended up with CIMB because my university required me to have a CIMB bank account to receive PTPTN money. IMPORTANT: I did not open accounts at both banks by choice. I only add money to this account if I need to pay off my CIMB credit card. I might repurpose the last one and earmark it for travel savings or something, let’s see. I have 3 savings account in there: (1) for daily use, (2) for work/business-related transactions, and (3) the one which I’m too lazy to close down. The financial tools are arranged in this order: Also please don’t take anything here as investment advice. Please don’t me if any of them sucks for you – they’re just the best option for my situation right now – I’m not loyal to any of them and happy to switch to better solutions as and when it suits me. So here you go – an article compiling all the financial tools I use for my own money management. I did that list because (1) it’s good to know exactly what I have and what I use it for and (2) I don’t want to accidentally forgot about an account, which happens more often than you’d think ( that’s why there’s over RM5.77 billion in unclaimed money?). The other day I was listing out all the financial tools that I personally use for money management in my notebook, and the list got kinda long.
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