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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!
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

/ˈbluːtʃɪp/

adjectiv

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
https://www.bursamalaysia.com/trade/our_products_services/indices/ftse_bursa_malaysia_indices/overview

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/

Noun

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:
https://bursaacademy.bursamarketplace.com/en/article/equities/why-etf-might-be-for-you

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:
https://mplusonline.com/research-reports/

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.
https://mplusonline.com/blog/3-reasons-why-the-best-time-to-start-investing-was-yesterday/

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market pulse

Still eyeing 1,600

The FBM KLCI took a breather following a seven-day winning streak, as the key
index retreated from the 1,600 psychological level on the back of profit taking
activities. However, tracking the strong gains from Wall Street overnight, we expect
local equities to gain momentum and investors could focus on the upcoming
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construction, telecommunication, and solar sectors. Commodities wise, the CPO
price declined after a surge in the previous session, while the crude oil price
rebounded above the USD84 per barrel mark.

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Spurred by foreign buying

The FBM KLCI closed above the 1,600 psychological level amid persistent buying
from foreign funds over the past week and sentiment remained positive on the
back of the discussion of international borders reopening going forward. The
recovery theme sectors such as construction, building material and financial
services sectors saw substantial gains and may remain under the limelight in the
near term ahead of Budget 2022. Meanwhile, the plantation counters are gaining
traction amid a jump in CPO price; the CPO price has rebounded and surged by
3.4% to close above the RM5,000 level.

technical focus

Technical Focus – KERJAYA

One of Malaysia’s leading construction players with strong historical track record of completion of notable projects such as St. Mary Residences, The Shore Mixed Commercial Development, EcoSky Condominum and Vista Residences. Solid unbilled orderbook of RM3.40bn that represents an orderbook-to-cover-ratio of 4.2x against FY20 revenue of RM811.0m will provide earnings visibility for next 3 years. Equipped with a healthy balance sheet with a net cash position of RM195.0m in 2QFY21, translating to net cash per share of 15.7 sen (c.12.3% of share price). Technically, traders may anticipate for a breakout above RM1.29 to target the next resistances at RM1.38-1.41 with long term target at RM1.53.

market pulse

Still on the ascend

Bucking the regional markets, the FBM KLCI extended its winning streak for the
sixth session, buoyed by persistent buying interest in index-linked banking and
telecommunication heavyweights on the back of positive sentiment in tandem with
the rising foreign buying interest. Despite the overnight negative performance on
Wall Street, we believe the local bourse may remain bullish over the near term and
move closer to the 1,600 psychological level, supported by the reopening of
economic activities as vaccination rate of adult population has achieved above
90%. Meanwhile, commodities wise, both the CPO and crude oil prices saw a
pullback as inflation concerns picked up.

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