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When You Don’t Have Time to Invest

when you don't have time to invest

Time is precious, or we like to say ‘Masa itu Emas’. That’s right, you don’t have enough hours to take away from your job of earning RM30.00 to RM50.00 an hour because you are so busy spending all your time on your job that earns you RM30.00 to RM50.00 per hour. So you can’t put your time aside. But do you know what’s worse? Putting your investment plans aside!

Did you know that investing doesn’t mean you have to be glued to the screen 24/7 looking at every single price change…that’s just crazy. You just need to review the portfolio and your plans every once in a while, typically, when there’s a big change in the market. To put it simply, be a long-term investor. Here are some pointers to help you if you’re busy with your full-time job.

Blue Chips & Dividends




Blue-chip stocks are usually large companies with excellent reputations. They are usually large conglomerates, well-established and financially sound companies that have operated for many years and have a dependable earning, often sometimes paying dividends to investors.

In Bursa Malaysia, the stocks that are on the FBMKLCI index are defined as the Blue-chip in the market. Here’s a full list

So why Blue-chip stocks? Well certainly being well-established and financially sound plays a big part when it comes to investing for the long-term, which means that you will worry less about the company winding-up or facing any troubles that could drastically affect its stock price.

Apart from that, some Blue-chip stocks give you annual dividend payments of around 6% to 8% which is better than a savings or fixed deposit account. So rather than leaving your funds idle in your bank account or in a low-return fixed-deposit, why not try the stock market?

Going for ETFs

Exchange Traded Funds

/ɪksˈtʃeɪndʒ/ /treɪd/ /ˈfʌndz/


A type of security that tracks an index, sector, commodity, or other securities to mirror the performance of the index that it tracks. ETFs are unique as they can be traded like a common stock on the stock exchange and also experience price changes throughout the day as they are bought and sold.

Invest in ETFs

Having an ETF helps you further diversify your portfolio, as you are virtually investing in different markets, various sectors or commodities. Diversifying your portfolio helps you to not put all your eggs into one basket, which creates more risk on your portfolio and capital. It is always important to not have your portfolio be too heavily weighted towards a single company or a sector.

ETFs are often compared to Unit Trusts, where both products hold a basket of assets. However, ETFs provide you with an advantage over Unit Trusts as they are tradeable on the market which makes it more liquid for you to sell ETFs in any time of need. It is also lower in cost, in comparison to the management fee in unit trust funds as you only pay a very low brokerage fee, depending on the broker you are using (M+ Online offers brokerage fee for as low as 0.05%*)

More on ETFs:

Or you can join our Back to Basics 2021: Webinar Series on the 18th June 2021 at 8.00 PM to learn what ETFs are
A Beginner’s Guide to ETFs: Your key to a wider range of asset classes

Read Research Materials

If you don’t have time to select stocks, you may take advantage of the research materials provided by licensed brokers. These materials come with both a summary and detailed report on how a particular index or stock is performing and also its potential growth. By relying on a licensed and legitimate source, you will be able to make better decisions of the stocks to put into your portfolio.

To view research reports from M+ Online you can visit:

There are definitely more methods or products suitable for the busy bees in the market. You may have to spare some time to find your footing in the initial stages, but once you find your method of investing and your risk/reward appetite, it will no longer be time-consuming, but rather on the contrary, rewarding. So start today, because the best time to start investing was yesterday.

3 Reasons Why the Best Time to Start Investing was Yesterday

3 reasons to start investing

To invest is to put your time, money and effort into something to make a profit or gain an advantage. For the purposes of our current discussion, we shall define investing as “putting your money into shares, property, financial product with the hope of making profits”.

Why is it important to invest? Well… You worked hard for the money, so you need to let your money work hard for you i.e. to let your money make more money. And the best time to do so was … YESTERDAY.

The earlier the better for the following reasons:



Food, healthcare, education … Everything seems to be on the rise with no signs of slowing down or declining. Does RM100 hold the same value as it did 5 years ago? Definitely not! Check out the image below from Malaysia CPI Inflation Calculator.

Reasons to Start Investing

That’s a 6.64% inflation within a period of 5 years! So, if you’ve had RM 10,000 sitting idle in your savings account for the past 5 years, you would have virtually lost more than RM600 today (ouch!). But if you invest, your money grows by itself, catching up and even being able to stay ahead of inflation, thereby helping you retain your purchasing power.

Reaching your financial goals

Some would want to achieve their first million by 30, some would just want to be able to buy things without looking at the price tags, and others would want to just live reasonably comfortably. If your investment is earning a higher rate of return than a savings or fixed deposit account, you will be earning more money over the long term and within a faster period, which will then enable you to buy that car you’ve been eyeing, take your family on a fully-paid holiday, and more.


Financial Independence, Retire Early. Nobody wants to work under a nagging boss forever, or to rely on our bosses just so we can put food on the table. We want to be the captain of our own ships: to set sail and dock as how we think fit.

We’ll tell you very frankly that it is highly unlikely that you can achieve F.I.R.E if you only rely on one stream of income. This is why many who believe in this movement, live frugally, investing about 60% – 70% of their incomes in hopes of being able to retire by the time they reach 40-45 years old. The returns from their investments would be enough to sustain their lifestyle for their remaining years.

Learn about the F.I.R.E movement here

Friends, you can be in your 20s, 30s or even 40s. If you’ve missed yesterday’s boat to invest, TODAY is the second-best time to start.

See the advantages of starting small here

Or find out what beginners need to be aware of when investing or trading

A Single Source of Income, is it Enough?

Is the only source of income drawn from your salary? Do you live paycheck-to-paycheck?

Read on about Ah Huat’s story – an average, freshly-graduated degree-holder.

Ah Huat, 23, graduated with a degree in Business Management and works as a management trainee in the Bank of Whatchamacallit situated near where he lives, in Shah Alam for a salary of RM 2,500.00 per month.

He calculated his estimated monthly expenses as follows to help him plan for his future:

RM 370 leftover savings was not enough for Ah Huat as he had to be prepared for emergencies as well as make plans for his future.

He decided to take up a freelancing job as a tutor to earn more. He charges his students RM 80 per hour, teaching Mathematics two times a week from 8pm-9pm. He has three students. That adds up to RM 1,920 extra pocket money a month, and a whopping RM 2,290 to save up!

With that extra RM 2,290, Ah Huat puts aside RM 1,000 for emergencies, and the remaining RM 1, 290 is used to invest because he believes that investments, whilst there are risks to it, are the only way to beat inflation.

He researches on the stock market and cryptocurrencies and invests. He experienced highs and lows but with careful investing, within a year, he managed to make an extra profit of RM 4,500. It may not seem a lot for 12 months but nobody would ever say no to extra money!

This is just the beginning for Ah Huat. As he works up the ranks and gets increment at his job, his income will increase, and with increased income, he will have more to save, more to invest, more to spend.

Is all your income only coming from one source?

Read our previous article to find out Why Trading isn’t Working Out For You

Start your trading journey at the M+ Online Trading Platform

Disclaimer: This article is for general information only and is not a recommendation, offer or solicitation to buy or sell any investment product. Investments are subject to investment risks. The risk of loss in stock trading can be substantial and you could lose your initial capital. Do seek a licensed broker before you engage in any trading activity.

5 Reasons Why Trading Isn’t Working for You.

5 Reasons Why Trading isn’t Working Out for You

Let’s face it, you’re probably here as you’re feeling lost and hopeless with your performance in the stock market. Fret not, you are not the only one facing these issues in the market. A staggering 90% of investors make losses in the market! Is it time to clear out that portfolio and get out of the market? Certainly not. The reason 90% of them fail is because of these 5 reasons we’re about to show you:

  1. Emotions

We definitely have got to start off with this one here. Many, many, many people fail to make a profit in the market due to their emotions affecting their decision-making when they are trading or investing. Here’s a great chart that depicts regular investors’ emotions in the market.


Often times, whether in times of unrealised profit or losses, investors and traders start to act irrationally. They hope for the stock prices to go up when they’re at a bad loss or even when they’re already at a high! That is exactly what happens when you don’t stick to your plan, or worse, not even having one!This brings us to number 2.

  1. Not planning ahead

If you fail to plan, you are planning to fail.” – Benjamin Franklin

You’ve probably heard this quote at least once in your lifetime. Cliché as it sounds, planning is one of the most important elements of investing. If you are going into the market without a plan or trading strategy, you might as well invest in your friend’s, brother’s, wife’s, cousin’s new shady business.

To be a better investor, PLAN AHEAD. Have a strategy in mind before you invest. Know when to take profit, cut losses or hold on. Learn about how you should allocate your assets according to the situation. Plan ahead by looking at how the marketing is performing or how the company is performing. That way, when the time comes, you’llknow the decisions that you have made.

You can also tune into M+ Weekly Bites every Wednesday to get weekly market insights to help you with your planning:

  1. Haven’t learnt the basics

Another reason why trading isn’t working out for you might be that you have yet to grasp the basics in the market. This means not knowing how to read technical charts, study a company’s financials or even understanding the various products in the market.

Candlestick charts and Financial Statements might seem really overwhelming to look at, but it is REALLY easier than you might think. So if you have yet to learn any basics, grab your phone, contact your broker today!

  1. Relying on TIPS

So learning the basics didn’t work out for you, so you cave into using tips or “trading ideas” from unlicensed sources (or even your aunt). By solely relying on stock tips, you are basically putting your portfolio at the risk of another’s idea. Did they even conduct the right and proper method of selecting the stock?

Here’s how dangerous it is to get investment advice from unlicensed sources:

If you do want to get legit investment advice, do look for brokers that are licensed under the Securities Commission Malaysia.

  1. Not doing any research (or a proper one)

Well, you’ve overcome your emotions in trading, but you’re still not making a profit in the market. This might be the next concern that you should be looking at. Before buying a stock, it is of utmost importance to do some research on the company and look at its chart (if you’re a TA person).

Here are some pointers:

  1. Is the industry/company currently in trend with the market?
  2. Are the financials strong?
  3. Are there any opportunities ahead for the company’s growth?
  4. What are the target price and cut loss points that you should look at?

If you do need help on what else you can look at to improve your research skills, you can tune in to our live webinars on Facebook:

In conclusion, trading/investing isn’t hard nor easy, but you just have got to plan ahead and make the right decisions or calculated risks before entering the market. Now go out there and start your trading journey!

Ready to start your journey? Visit

Disclaimer: This article is for general information only and is not a recommendation, offer or solicitation to buy or sell any investment product. Investments are subject to investment risks. The risk of loss in stock trading can be substantial and you could lose your initial capital. Do seek a licensed broker before you engage in any trading activity.

Starting Small

We just want to put it out there that no amount is too small to invest. You don’t necessarily have to dump in a lot of capital into whatever you are investing for starters. You just have to start somewhere. Sure, you may not be able to purchase a property with only a couple thousand bucks but there are plenty of other investment options out there such as Robo-advisors, capital gains, dividends etc to help you slowly kick-off your investment journey.

You can start by saving a certain percentage of your income every month (even if it may be a couple of hundred ringgit), and instead of letting it sit idle in your account that will not make your money grow, invest it and let it work for you. This requires some amount of discipline if you are used to using up all you have in your account before the next paycheck, but if you start making it a habit, it will eventually become your lifestyle.

Bear in mind that you can only learn if you have some skin in the game; you can’t just sit by the bleachers, wanting to watch what happens first before getting down and dirty. Investing is very much like a sport game: you can only get better if you practice, learn the ropes to grasp multiple concepts before you can build your confidence to invest more (wisely) and diversify your portfolio.

There are of course advantages and disadvantages to starting small:

Aside from slowly saving up, you could also begin your journey by reading up books and articles about investments. This will help you understand investing better and give you the confidence to let your money go and grow. You may follow our Facebook Page to get the latest posts and market insights to understand the stock market better if that is where you want to start with. Once you’ve levelled up, you may get an even deeper insight on stocks by studying the reports by our research team

To open a CDS account with M+ Online visit

Start now and start somewhere.