⬇️ Analisis global: Nilai XRP menurun sebanyak 24% akibat krisis disaman oleh US SEC. Ceo Ripple, Mr Garlinghouse dan Chris Larsen menyatakan mereka akan melawan kes ini mahkamah dan mendakwa “Kita tidak silap, dan kita sentiasa bersedia untuk keadilan serta ini satu permulaan. Rujuk berita: https://uk.finance.yahoo.com/news/ripple-sec-case-xrp-price-cryptocurrency-095718431.html
⬇️ Faktor penurunan lain akibat berlaku perayaan krismas, pelabur mengeluarkan sejumlah wang pelaburan untuk memenuhi keperluan krismas. Selain itu faktor hujung tahun pasaran tidak stabil.
⬆️ Keadaan kembali pulih apabila masuk tahun baru. Dijangkakan, nilai XRP akan mencecah $4 @ RM16 per unit berbanding kejatuhan nilai semasa mencecah RM1.45sen/unit (25/12/2020).
“BUY LOW, SELL HIGH! : Inilah masa ditunggukan untuk anda memborong XRP!”
⚠️⚠️⚠️⚠️⚠️⚠️⚠️⚠️⚠️⚠️⚠️⚠️⚠️⚠️⚠️
DALAM TEMPOH 5-15 TAHUN, NILAI XRP BAKAL MENCECAH USD250-500/Unit!
📺 XRP kemungkinan tidak akan lingkup seperti sesetengah dakwaan pelbagai pihak. Kerana XRP pernah mempunyai hubungan dagangan dengan BANK OF AMERICA (BOA), Banorte Bank dan D-local, rujuk:
📢 Ada sesiapa nk buka akaun trading yang selamat untuk cryptocurrency? saya syorkan guna 2 platform dulu seperti #luno & #binance. Banyak lagi platform dagangan atau exchanger lain, tetapi guna 2 jenis ini pun sudah berbaloi boleh beli XRP, ETH, BITCOIN dan banyak lagi jenis cyrpto!
💹 Jika nak baca graf pergerakan dengan lebih jelas, buka #Website TradingView:
Hey guys! Ledger hardware wallet is having Black Friday sales! Use this code BFLASTDAY to get 45%, please use my link for referral..thanks! https://shop.ledger.com/pages/black-friday?r=6ded5c6590af
Sign up using my invite link and we’ll both receive MYR 25 worth of Bitcoin when you deposit money into your Luno wallet and buy or sell Bitcoin to the value of MYR 250 (Luno exchange not included):
https://www.luno.com/invite/XPPQUS
Share my invite code
XPPQUS
Get MYR 25 in Bitcoin for both me and you!
You Can Buy Bitcoin From Just RM3 On Luno, Malaysia's First Fully Approved Crypto Platform
Know nothing about crypto? Here's an easy-to-understand guide!
On 14 October 2019, Luno became the first cryptocurrency exchange to be fully approved in Malaysia
39b4
Image viaSAYS
This means Malaysians can now legally buy, sell, and trade cryptocurrency like Bitcoin and Ethereum on the Luno platform.
After entering Malaysia in 2015, Luno has become the country's largest digital exchange platform and the first to be recognised by the Securities Commission of Malaysia. If you're interested to invest in cryptocurrency or learn more about it, Luno is the best place to start.
New to crypto? Here's all you need to know:
1. There are all kinds of cryptocurrency, from common ones like Bitcoin and Ethereum, to funny ones like Dogecoin
Abd9
Yes, Dogecoin is a legit cryptocurrency.
Image viaName Coin News
A cryptocurrency is a new form of digital asset. It uses blockchain technology to ensure every transaction is secure and tracked. The first and most established cryptocurrency is Bitcoin, which you can buy, sell, and trade via platforms like Luno.
F323
Cryptokitties up for sale.
Image viaCoin Central
Besides Bitcoin, the only other cryptocurrencies approved in Malaysia are Ethereum and Ripple. There are also smaller and more niche cryptocurrencies like Dogecoin and Cryptokitties (a virtual game that lets you collect virtual kitties using cryptocurrency).
One thing to note is that cryptocurrency prices can rise or drop drastically, so be sure to do your research before investing.
2. You don't have to buy a WHOLE Bitcoin. Instead, you can start investing in Bitcoin from as low as RM3.
90f2
The smallest fraction of Bitcoin is 0.00000001 BTC, also known as satoshi.
Image viaCrypto Trader's Guide
One Bitcoin can go up to tens of thousands of ringgit, which can be daunting, especially if you're new to crypto and investing. The great thing is that Luno lets you start from as low as RM3, so you can buy just a small fraction of a Bitcoin.
Imagine if one Bitcoin is worth RM30,000, here's what investing RM3 would give you:
1 BTC = RM30,000 | 0.0001 BTC = RM3
3. You can transfer Bitcoin using a digital wallet, which is safe and secure
You use a digital wallet to send and receive cryptocurrency.
Image viaElev8
When you use the Luno platform, they provide you with a digital wallet you can use to manage your cryptocurrency. Only you have access to your wallet through a private key, but people can send you cryptocurrency through a Bitcoin address (sort of like your bank account number).
The great thing is that Bitcoin transactions use blockchain technology, which makes every transaction trackable and accounted for. However, transactions are irreversible, so make sure you don't send your Bitcoin to the wrong person.
4. Once you register, it's super easy to invest in cryptocurrency
Image viaLuno
Investing in cryptocurrency is less complicated than it seems:
Before you start, all you have to do is complete a simple registration.
Submit your IC and a selfie to verify your identity.
Once approved, you can start buying Bitcoin by keying in your amount and clicking the 'Buy' button!
The great thing is that anyone can invest in cryptocurrency!
Image viaGiphy
Unlike traditional investments that require you to go to a bank or go through an agency, Luno allows you to start investing almost immediately. Plus, it's completely online, which means you can trade cryptocurrency 24/7.
Sign up using my invite link and we’ll both receive MYR 25 worth of Bitcoin when you deposit money into your Luno wallet and buy or sell Bitcoin to the value of MYR 250 (Luno exchange not included):
scam since the accounts manager is not giving good advise. the worse advise is ask you to open 5 forex trade without any stop loss and take profit until i loss all USD $500! plus only will keep asking you to add more money! damn scam and company! plus when complain another idiot lady so called senior accounts manager called me regarding my complain that is not advising correctly. She proceed to question me like I'm a criminal, not professional at all, rude tone and laugh at me!!! What a bitch with a condescending attitude, I was so angry that I didn't catch her name, shouted at her and end the call
now this link https://en.profitrevolution.live/?a=4498&o=20012&s=odmru5db30750844b2895732363 goes to EverFX Global https://client.everfxglobal.com/finance
Good luck in trading in all this scam companiesnow trying Fortrade and see how it goes. at least it only need USD$100 for initial trade
Link in people comment being scammed: Just google Oinvest then this come out https://www.google.com/search?safe=active&sxsrf=ACYBGNSQygVn4seq6vtuguhrZTkS4Z1krQ%3A1573131056003&ei=LxPEXffcPIeAvQSn1J3gBg&q=oinvest&oq=oinvest&gs_l=psy-ab.3..0i71l8.0.0..2923158...0.2..0.0.0.......0......gws-wiz.3wDnHBeoNgo&ved=0ahUKEwi3sJzukdjlAhUHQI8KHSdqB2wQ4dUDCAs&uact=5 https://theforexreview.com/2018/09/07/oinvest-review/ EverFX Globalsince i went to this https://en.profitrevolution.live/?a=4498&o=20012&s=odmru5db30750844b2895732363
with all those great news then it goes to Everfx website. a rude guy called me and threaten me to take care of myself and don't apologize when i told him i mistakenly sign up and don't have money to invest
good luck in searching for a good company to invest. its a jungle out there allright. don't be greedy, search carefully and god bless Link for report of people commented being scammed: https://www.google.com/search?q=everfxglobal https://www.forexbrokerz.com/brokers/everfx-global-review
Food for thought:
Our mortal is short, so we just live life of heaven or hell short period
For those people who cheat people, I pray for you. You will suffer endlessly forever in hell period!
Karma is a bitch :P 😊😊😊
The small and medium enterprises (SMEs) make the Malaysian economy. According to the World Bank, 97% of business establishments in Malaysia are made up of SMEs. These businesses contributed nearly 36% of the country’s GDP, 65% of the country’s employment, and nearly 18% of Malaysia’s exports.
When Securities Commission chairman Tan Sri Ranjit Ajit Singh said that Malaysian SMEs are facing a financing gap of RM80 billion, this could potentially pose a problem to the country’s economic growth.
In the current landscape, SMEs have to apply for business loans from financial institutions such as banks to get a working capital injection into their business. In order to secure a loan, these SMEs are required to submit almost flawless business track record or even pledge some form of collateral before their loan application is approved. This means many of the SMEs will not make the cut.
This creates a gap that peer-to-peer (P2P) financing is expected to fill, to provide a much needed platform for SMEs to gain funding, and eventually to spur the growth of the SMEs in the country.
Peer-to-peer financing is not new globally, but Malaysia is the first country in ASEAN to regulate it. In 2014, the global P2P financing recorded a US$9 billion growth and in the following year, the number increased to US$64 billion!
Based on the global trend, does this mean an investment opportunity for investors who are looking to further diversify their investment portfolio?
How does P2P financing work?
P2P financing is also known as “marketplace lending”, where businesses can borrow money from P2P platforms like Fundaztic. Once their application is approved, the platform would assign a risk category or credit grade. The loan is then funded by individuals or a group of investors who act as the lender.
Currently, P2P financing is regulated by Securities Commission with six licensed operators in Malaysia, namely Peoplender, B2B FinPAL, Ethis Kapital, FundedByMe Malaysia, Managepay Services, and Funding Societies Malaysia.
Fundaztic, P2P financing platform owned and managed by Peoplender, offers a straightforward and transparent investment and application process for borrowers and lenders. SMEs are able to raise funds for business related purposes ranging from RM20,000 – RM200,000 and investors can invest with as little as RM50.
Why should you invest in P2P?
Investors expect to make money from their investment portfolio most years. However, in the past five years, Kuala Lumpur Composite Index (KLCI) has not been growing as quickly as investors like to see.
In 2016, KLCI was down 3%, while the MSCI Asia ex Japan index was up 3%. It has only managed to inch up 10% over the past five years, a weak performance compared to MSCI Asia ex Japan’s 16%.
In the early 2016, Jack Bogle, founder of Vanguard Funds, warned Morningstar that stock market investors were likely to see gross annual returns of just 6% over the next decade. After accounting for inflation, the real return would be closer to 4% annually.
That’s just slightly better than putting your money in a fixed deposit account. So, how can investors rebalance their investment portfolio to ensure it is performing at its peak in today’s investment climate?
With its surging popularity, P2P investing is seen as an investment vehicle that could possibly provide stable cash flow and higher returns. Depending on your investment objectives, P2P investing could have a place in your portfolio.
Here are a few reasons why P2P investing should be included in your portfolio:
1) Low entry cost at just RM50
Starting your P2P investment is easy. You can register on Fundaztic online, by providing some personal details and uploading a copy of your identity card. Once your account is verified, you can immediately start investing.
As an individual investor, you can start investing with a minimum of RM50, and are encouraged to invest not more than RM50,000. Making the minimum investment low, it gives investors the freedom to try out the platform and also the investment vehicle without taking on huge risks.
2) Potentially higher returns
The usual suspects found in an investor’s portfolio are unit trust funds, bonds and stocks. However, with KLCI giving lacklustre performance in recent years, it’s time for investors to explore expanding their portfolio to include fixed money investment that could potentially provide higher returns.
Here’s how it can potentially bring you higher return if you invest RM30,000 for 2 years in the following investment vehicles:
P2P Investing^
Fixed Deposit
Unit Trust*
Average rate of return
7.85% p.a.
4.50% p.a.
5.79% p.a.
Total returns
RM4,710.00
RM2,760.75
RM3,574.57
^ Based on Investment Note ID 16 with B3 grade. * Based on the one-year bid-to-bid annualised returns for Affin Hwang Select Bond Fund.
The above example shows gross returns, and have not taken into account the investment costs involved.
The returns will be automatically credited into your Fundaztic account, which you can choose to withdraw or invest in another investment notes.
3) Lower investment fees and charges
Investment cost is an important consideration for investors because fees and charges erode one’s investment earnings. This becomes an even more important factor to consider when your portfolio performance is below par.
Here’s the investment cost for P2P investing, if you are investing RM30,000 over 24 months.
Fee Type
Rates
Description
Amount
Verification Fees
RM0.00 – RM50.00
One-time platform verification fee charged upon making the first investment.
RM0.00
Transaction fees
RM0.00 – RM3.00
Fee charged for each investment transaction that is successfully made.
Platform Management Fees
1% of monthly repayments
Fees charged by the platform for managing the health of the invested notes for the duration of the notes / financing tenure.
(RM 1,446.25 x 1%) x 24 months
= RM347.10
Withdrawal processing fees
RM0.11 – RM1.00
Transaction charges (such as IBG, FPX) if any as charged by the banks
Total costs over 24 months
RM347.10
Compare this to the cost of unit trust investment of the same amount and tenure:
Comparing the fees and charges for both types of investment over the same period shows that P2P lending is a much more affordable investment. Currently, Fundaztic is not charging any verification fees for investors.
However, as with any investment, there are risks involved and it is important for an investor to understand his/her risk profile and the investment before taking the plunge.
What are the risks involved?
Understanding your risk profile is important before you take on any investment. At Fundaztic, investors are advised to take a questionnaire to gauge his/her risk profile, which will guide them in choosing the right investment note to invest in.
For example, for an investor between 30 and 40 years old with a Bachelor’s degree-level qualification, who would like to see moderate capital growth in his/her investments, would likely have a conservative approach towards his/her investments.
As indicated by this risk profile, the most suitable investment notes to include in the investment portfolio would be those graded A1 to B3 for funding private limited (Sdn Bhd) or partnership businesses.
Fundaztic uses the Risk Grade method to categorise “issuers” risk profile. There are 10 levels as shown in the image below. The grading is assigned based on several factors inclusive past credit behaviours as reflected in available bureau data and it will determine the amount of funds that an issuer can raise and the pricing that they must pay, among many things.
Source: Fundaztic
To help investors mitigate investment risks, Fundaztic also uses information from Credit Bureau Malaysia (CBM) report to determine the Probability of Default or PD of a business.
It is calculated using statistically valid models developed specifically for the Malaysian SME environment using various event triggers to determine how unlikely the credit will be paid in full. This will give investors an idea of the risks involved in a particular investment notes. The lower the PD, the lower the risk and the better the grade.
However, as with any investments, the higher the risk, the higher the returns. Investors should carefully analyse his/her risk profile before deciding on a particular investment note to invest in.
In short, P2P financing does have a place in your portfolio, but only if you understand how it works and the risks involved. One attraction is that you can start small with as little as RM50 plus also the significantly lower investment cost. For new investors, this is a good platform to try out as you build up your stake as you get the hang of it.
Oinvest
should have known it's a scam company once i see how it advertise. first its a too good to be true story by third party click website that mention great profit! https://en.profitrevolution.live/?a=4498&o=20012&s=odmru5db30750844b2895732363
scam since the accounts manager is not giving good advise. the worse advise is ask you to open 5 forex trade without any stop loss and take profit until i loss all USD $500! plus only will keep asking you to add more money! damn scam and company! plus when complain another idiot lady so called senior accounts manager called me regarding my complain that is not advising correctly. She proceed to question me like I'm a criminal, not professional at all, rude tone and laugh at me!!! What a bitch with a condescending attitude, I was so angry that I didn't catch her name, shouted at her and end the call
