Equity Crowdfunding (ECF)

Equity crowdfunding (ECF) is almost like stock investment. The money is provided in exchange for shares (equity) in the company. Its reward includes the capital gain (by selling the shares) and dividend if any while its risk is the failure of the company (bankruptcy) and losing all the invested fund. There are 6 such platforms …

Peer-to-peer Financing

(Latest update: 5 October 2018) Essentially, peer-to-peer (P2P) financing is making a loan. Its reward is the interest earned and its risk is default. There are 6 such platforms in Malaysia according to Securities Commission Malaysia website (Link). Platforms Logo Remarks AlixCo – B2B FinPAL – Fundaztic – Funding Societies Malaysia – Nusa Kapital Shariah-compliant …

Fund Houses

A fund house is also known as a fund company or unit trust management company in Malaysia. They own and operate mutual funds. From Investopedia, “Fund company is a commonly used term to describe an investment company, which is a corporation or trust engaged in the business of investing the pooled capital of investors in …

Investing vs Speculating

Isn’t making investment known as investing? What is speculating? For those who are new to the financial market, there might be doubt about these two activities. Below are the definitions from Investopedia: “Investing is the act of committing money or capital to an endeavor (a business, project, real estate, etc.), with the expectation of obtaining an additional …

My Definition of Investment

Before I start with my definition, let’s google it first. According to Investopedia, “An investment is an asset or item that is purchased with the hope that it will generate income or appreciate in the future. In an economic sense, an investment is the purchase of goods that are not consumed today but are used in the …