Maybank Investment Guide: Strategies For Smart Investing

Maybank offers a variety of investment options for customers, including share trading accounts, unit trusts, and goal-based investments. With Maybank, you can invest in stocks, bonds, precious metals, commodities, and more. The bank provides access to live market updates, stock research, and the ability to trade shares via its online platform, Maybank2u.com. Maybank also offers investment management services for those who need assistance in managing their funds or planning their assets. The bank caters to a range of investor profiles, from beginners to those with specific risk tolerances and financial goals. With Maybank, you can start investing with a small amount of money and work towards achieving your financial aspirations.

Maybank Goal-Based Investment

Then, use the financial simulator to calculate how much you need to start investing and find your best-suited portfolio. The simulator will take into account factors such as your target amount and when you would like to achieve this sum. It will also help you estimate a monthly investment amount based on your goal.

You can create up to 10 goals in total, including a maximum of one retirement goal, up to three education funds for yourself and your children, and up to three grow wealth goals. Maybank Goal-Based Investment offers a range of portfolios curated by wealth experts based on your risk profile. There are options suitable for investors seeking better returns than Maybank’s Fixed Deposit-i rate, those seeking moderate capital growth, and those seeking aggressive capital growth.

There is a one-time sales charge ranging from 0% to 1.5% for each deposit, and you will need a Maybank savings/current account with active Maybank2u access to invest.

Maybank Share Trading Account

Maybank offers a variety of investment options, including the Maybank Share Trading Account. This account allows users to trade shares online via Maybank2u.com and the Maybank Trade App. With this account, you can view live quotes and the latest market updates, browse stock research, and trade shares from anywhere and at any time, even during off-market hours.

The Maybank Share Trading Account offers flexibility and convenience, providing features such as real-time stock processing, an online payment facility, and fast confirmation on the status of completed trades. You can also access your account share portfolio and trade history and sort counters according to stock code, name, price change, volume, and more. The account also provides access to Maybank Investment Bank's research publications and the latest research and market updates.

To get started with the Maybank Share Trading Account, you can register online in just 3 minutes. Maybank also offers a margin trading facility to support your long-term investment strategy by providing financial leverage. Additionally, they offer short-term financing with an extended settlement period of up to 10 days with zero interest or contra charges.

If you're new to investing, Maybank also provides educational resources to help you get started, such as their guide, "How to Start Investing in Your 20s." This guide covers essential topics like understanding what investing is, why it's important, and how to take your first steps into the world of investing. It also emphasizes the benefits of starting to invest early and provides tips on how to build your investment portfolio over time.

Maybank Investment Management Account

Maybank offers a range of investment options, including the Maybank Investment Management Account, which is tailored for those who don't have the time to manage their funds or lack access to investment outlets. This account provides access to seasoned investment managers who can help you achieve your financial goals.

Here's a step-by-step guide to getting started with the Maybank Investment Management Account:

• Understand the Account: The Maybank Investment Management Account is designed for individuals who want professional help managing their investments. It's ideal if you don't have the time or expertise to actively manage your funds.
• Determine Your Investment Goals: Before investing, it's essential to define your financial objectives. Are you investing for retirement, saving for a down payment on a house, or pursuing any other specific financial goals? Knowing your goals will help you tailor your investment strategy accordingly.
• Assess Your Risk Tolerance: Balancing risk and reward is crucial in investing. Maybank offers a Risk Profile Assessment tool within your Maybank2u account to help you understand your risk tolerance. This will guide your investment decisions and portfolio allocation.
• Open a Maybank Account: To invest with Maybank, you'll need to have an active Maybank savings or current account with Maybank2u access. If you're not already a customer, you can open an account on their website.
• Consult with Maybank's Investment Managers: Once you have your Maybank account set up, you can consult with their seasoned investment managers, who will guide you based on your financial objectives and risk tolerance. They will help you navigate the various investment options available through Maybank.
• Diversify Your Investments: Maybank offers a wide range of investment products, including share trading accounts, unit trusts, and more. Diversifying your investments across different asset classes and products can help manage risk and maximize returns.
• Stay Informed: Maybank provides access to research publications and market updates through the Maybank Trade App. Staying informed about market trends and investment opportunities can help you make more strategic decisions.
• Monitor and Adjust Your Portfolio: Regularly review your investment portfolio to ensure it aligns with your financial goals and risk tolerance. Maybank offers online tools to help you track your investments and make adjustments as needed.
• Seek Additional Support: Maybank provides customer support through their call center, email, and online resources. Don't hesitate to reach out for assistance or clarification as you navigate your investment journey.

Remember, investing involves risk, and it's important to understand the potential risks and rewards associated with any investment decision. Maybank's Investment Management Account is designed to provide guidance and support, but it's always advisable to do your own research and consult with financial advisors before committing to any investment.

Maybank Unit Trust Account

Maybank offers Unit Trust Accounts as an investment option. Unit Trusts are a popular form of managed investment that is easily accessible and affordable for those new to investing. It pools your money with other investors to invest in a diverse range of assets, allowing you to participate in a diversified portfolio even with smaller investment amounts.

Maybank's Unit Trust funds include various asset classes such as equities, shares, stocks, and commodities (e.g. precious metals, iron ore, etc.). The funds are professionally managed by reputable fund managers who invest according to the trust's objectives. This allows you to tap into faraway markets and enjoy the benefits of economies of scale.

You can open a Unit Trust Investment Account with Maybank online and start investing with just RM100 per month. The low initial investment amount is RM1,000, and you can decide how much you want to invest each month. The monthly investment sum will be automatically deducted. Additionally, Maybank offers a Regular Saving Plan (RSP) where you can make regular investments from as low as RM100 a month, smoothing out market risks over time.

It is important to note that Unit Trusts are a medium- to long-term investment strategy, typically spanning 3 to 20 years. With time and patience, you can maximise the benefits of compound interest, which can significantly increase your earnings.

Maybank Gold Investment Account

Maybank offers a Gold Investment Account (MGIA) that allows you to invest in 999.9 fine gold without the hassle of keeping physical gold. Gold is a highly sought-after asset and a good hedge against inflation. With MGIA, you can invest in gold at a daily price in Ringgit Malaysia (RM), starting with an affordable initial purchase and subsequent investments. The gold you buy is securely backed by physical gold deposited in Produits Artistiques Metaux Precieux (PAMP S.A.), a highly sought-after gold investment organisation.

The account offers the potential for better returns, as you can earn greater capital gains from the appreciation in gold prices. It also provides portfolio diversification and better protection for your investments. Individuals of all ages can open an Individual Account, although those under 18 must have a parent or legal guardian as a trustee. Non-Individual Accounts are also available for joint account holders (up to four people), sole proprietors, partnerships, and companies.

You can easily manage your MGIA online via Maybank2u. Simply log in to www.maybank2u.com.my, click on the 'Wealth' tab, select 'Gold & Silver' to view your account, and then buy or sell gold by selecting your account and entering the amount in grams. You can also purchase gold with your Maybank Debit and Credit Card at any Maybank branch. Note that the gold trading service is available via Maybank2u from 10:00 am to 4:30 pm, Monday to Friday, excluding FT public holidays.

Additionally, Maybank offers the Islamic Gold Account-i (MIGA-i), a Shariah-compliant physical gold-backed account. This account provides the convenience of buying, selling, and transferring gold online via Maybank2u, with an initial investment as low as RM10 per transaction. You can also convert the gold balance in MIGA-i to physical gold bars ranging from 1 gram to 1,000 grams.

Frequently asked questions