I realised that it wasn't exactly easy to find the list of products or services I am currently using, or simply recommending them. Some of you have been kind enough to text / email me privately / leaving comments to ask for the referral codes - which I truly appreciate (although not my primary objective to start the blog!) so I have decided to compile them.
Here's a list of products or services which I am currently using, or are recommending. Some may contain affiliated link (marked with *) where I may earn small commissions/benefits from successful referrals; and some do not - and are purely a recommendation from my side. Some products or services also has referral benefits for both parties.
I will always be transparent and declare exactly what I stand to gain where contractually allowed. Otherwise I may mask the actual numbers but will still declare it, anyway.
Simply the easiest & cheapest way for Malaysians to own foreign bank accounts with no fees, from comfort of your home via CIMB FastSaver Account.
A cheaper, faster way to send money abroad with a fuss-free experience. Best part? Money arrives instantly in most cases. Use my Wise referral link below and part of the commissions will go to a non-profit community charity foundation.
* I will get 30 GBP for every 3 successful referrals
Cash Upfront Account "Value Trade" with minimum Trading Fees of RM8.48 or 0.106% flat of contract value (whichever is higher)
"Cash Upfront" Account with minimum Trading Fees starting from RM7 (trades below RM1k) / RM9 (trades between 1k - RM10k) / 0.1% flat of contract value (trades between 10k - RM100k) / RM100 (trades above RM100k)
* For every successful sign-ups using my Rakuten Trade Referral link, I will get 500 RT Points
Frankly I'm still skeptical of crypto but no harm to expose <5% of my portfolio in crypto through custodial wallet Luno Malaysia, approved by Securities Commission of Malaysia
* sign up with my Luno referral code below and we will both get RM75 worth of bitcoin when you deposits and buys MYR 250 in any crypto from Luno's Instant Buy or Sell (Luno Exchange not included)
My favourite method of investing - in an automated and simplified manner. Less hassle, less worrying!
* sign up with my StashAway Referral link below to get 50% off your management fee for the first 6 months up to RM100,000 portfolio managed! I will get a very small commission in low 2-digits for every successful sign ups!
If there's an option for me to diversify my EPF funds outside of Malaysia, like low-cost ETF options, I'll definitely do it. I'm definitely not a fan to have >70% invested locally in the country. At this juncture, the only choice is to do it through unit trust funds, with 0% upfront load/sales charge for limited time.
From their proven track records the past 7 years, I'm mostly invested through Principal's Fund for China, APAC, and Global; based on my asset allocation at point of investment
* sign up with my Principal Referral code below and we will both get free Touch n' Go reload pin when you invest a minimum of RM3,000 from your EPF i-Invest facility.
My one-stop-shop for my international buy-and-hold investments across various markets - US, London, Hong Kong, Singapore, and all the other 150 markets in 33 countries around the world!
* By using my Interactive Brokers sign-up link, you will be indirectly supporting my blog as I get a very small token of commission for every successful click by unique visitors.
** Alternatively, if you plan to deposit >= USD 10,000 within the first 30 days and maintain the liquidity for a year, you can use this sign-up link instead and receive 1% worth of free IBKR shares based on your deposit amount.
You Need A Budget. No, seriously! Stop living paycheck-to-paycheck, get out of debt, and save more money. I've been using this application since the era of YNAB4 and it really helped me with the money-jar zero-based budgeting system.
Use my YNAB referral link for free 1-month trial! (p/s usually extendable up to 2 months by messaging Support)
* I will get 1-month subscription for new successful subscribers
UPDATE NOV 2021: YNAB decided to up their price to USD100/year for all customers and I've decided that it's no longer worth it. I DON'T recommend the app now with their outrageous pricing, but at least follow their 4 rules. Will update once I found a better alternative that serves the envelope budgeting approach.
UPDATE JUL 2024: I have officially stopped using this application after their announcement of further price increase to USD110/year and moved to an open-source alternative which costs me $0 (or minimal monthly hosting fees since I hate fully DIY-ing stuff). I can no longer recommend YNAB as they've moved away from their initial founding principles, going against their very own objectives of raising financial awareness/literacy to help everyone save. I've written an article on migrating to open-source alternatives linked below: Zero-Based Budgeting: Migrating from YNAB to Actual Budget
Again, referral benefits isn't my main objective hence you'll see quite a number of these recommendation do not come with affiliated links (or I'm just lazy :P)
For those that have signed up using my affiliated links - I can't thank you enough, and I sincerely appreciated it!
Cheers,
Gracie