How to Invest With as Little as RM100 in Malaysia
Invest with as little as RM100? Sounds too good to be true — but it's not. With just RM100, you can start investing and growing your money.
Or as people like to say these days, "make your money work for you." You might never have imagined that with just RM100 as capital, you could actually invest.
Excited? Keep reading for the full details.
How to Invest With Just RM100?
Today, there are numerous investment options available in Malaysia.
In the past, ASB was arguably the top investment vehicle among Malaysians. But not anymore — the ASB dividend rate has been declining year after year. So many people are now looking for more profitable investment alternatives.
However, we must always remember that every investment carries its own risks. As the saying goes, "High Risk, High Return." So we need to fully understand what this means.
One relatively new and halal investment platform today, regulated by the SC (Securities Commission), is Wahed Invest. Believe it or not, with Wahed Invest, you can start investing with as little as RM100!
It might seem impossible, but with RM100 per month, you can invest on a long-term basis as your monthly savings. This is especially useful if you are building a fund for your children, buying a house, getting married, and more.
What Is Wahed Invest?
Wahed Invest is a digital investment platform based in the United States, established in 2017.
It now operates in over 130 countries, including Malaysia. The Wahed Invest platform was created to give investors easy online access to Shariah-compliant investments.
The best part? All transactions and deposits can be done directly through the Wahed Invest digital app. No need to register at any counter for verification.
Why Invest in Wahed Invest?
Wahed Invest should be your investment choice because:
1. It is a Shariah-compliant investment. It has obtained a Halal Certificate, meaning Wahed investments follow Islamic principles without involving any prohibited sectors such as alcohol, firearms, gambling, usury (riba), and the like.
2. It is the world's first Islamic Financial Technology (Fintech) company. This digital investment technology has been approved by 3 recognised Shariah advisors: Dr Aznan Hasan, Mufti Faraz Adam Hanif, and Shaikh Muhammad Ahmad Sultan.
3. Low minimum capital. You can invest with as little as RM100.
Is Wahed Invest Legitimate?
To verify whether this platform is legitimate and safe, you can check the Securities Commission (SC) website. The SC's role is to regulate all matters related to securities in order to protect investors.
How to Verify?
1. Go to the SC website
2. Navigate to REGULATION > select LICENSING
3. Scroll down until you find 'Licensed and Registered Persons' and click > Then click on the Public Register image
4. Next, enter 'Wahed' in the Company Name field > Click Search > The company status will appear
Where Does Wahed Invest Your Money?
There are 4 main asset classes in Wahed investments:
1. Malaysian Stocks (Bursa Malaysia)
2. US Stocks (Global)
3. Sukuk (Shariah-compliant Bonds)
4. Gold
There are 6 different portfolio types based on the investor's risk profile:
1. Very Aggressive
2. Aggressive
3. Moderate Aggressive
4. Moderate
5. Moderate Conservative
6. Very Conservative
Each portfolio type has different allocations across the investment assets.
For example, if an investor chooses the Aggressive Portfolio, the allocation for each asset class is as shown below.
The allocation differs for investors who choose Moderate or Conservative portfolios. You can visit the official Wahed Invest website to learn more about each portfolio type.
How to Register for Wahed Invest
Step 1:
Download the Wahed Invest app from the Play Store or App Store. Tap 'Get Started'.
Step 2:
Enter a valid email address and a password for future logins.
Step 3:
You will need to answer 8 simple questions to determine your investor profile.
Step 4:
Step 5:
Step 6:
Step 7:
Pay attention to the referral code section — enter a code to receive RM20 as additional investment capital in your Wahed Invest account.
Step 8:
Step 9: Done!
FAQ — Investing With RM100 in Malaysia
Can I really start investing with only RM100?
Yes. Platforms like Wahed Invest allow you to start investing with a minimum of RM100. This makes investing accessible even for students, fresh graduates, or anyone on a tight budget.
Is Wahed Invest Shariah-compliant?
Yes. Wahed Invest is fully Shariah-compliant and has been certified halal. Its investments follow Islamic principles and avoid prohibited sectors such as alcohol, gambling, and riba (usury).
Is Wahed Invest regulated in Malaysia?
Yes. Wahed Invest is licensed and regulated by the Securities Commission Malaysia (SC). You can verify this on the SC Public Register.
What types of assets does Wahed invest in?
Wahed invests in 4 main asset classes: Malaysian stocks (Bursa Malaysia), US stocks (Global), Sukuk (Shariah-compliant bonds), and Gold.
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