ROBO ADVISOR Malaysia | Didn't U know THIS❓
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Robo advisor Malaysia has this 3 Hidden Costs which you may overlook. For more robo-advisor review, watch this:
0:00 Complaints on robo advisor Malaysia to Bank Negara
0:48 3 Huge Hidden Costs of robo advisor Malaysia
1:00 30% US Withholding Tax on Dividends (US ETFs)
1:40 Robo advisor is not always low cost – WHY
2:30 Zero tax on dividends in Malaysia stocks or funds
2:55 Liquidity and reputable example: global fund manager Franklin Templeton
3:40 Return after tax on distributions from US ETF example
5:18 Foreign exchange risks via robo advisor Malaysia
7:18 The funds inside robo advisor Malaysia
8:15 Return % – what you see is what you get
9:00 Why people lost money investing in unit trust Malaysia
11:16 How good robo advisor is depends on this
13:50 Why robo advisor is the rage in Malaysia now
14:17 Watch the other robo advisors expose
15:14 WHY Robo Advisors Malaysia don’t use Malaysia ETF?
*****
This is a full, no fluff exposé of what Robo Advisor Malaysia is and what it isn’t.
Unlike many other robo advisor Reviews on Stashaway, MyTheo, Wahed Invest, Raiz and Akru saturating the Internet…
…written by half-past-six bloggers with the sole intention of persuading you to sign up for robo advisor Malaysia account using their referral (affiliate) links,
…this no-holds-barred video will dispel all the myths, misconception and half-truths out there on robo advisors.
Reality is : Roboadvisors might be simple to invest with, but they’re NOT low-risk
It’s simple to use a knife, but it’s not safe for a 5 years old to use it.
When you’re investing through a Robo advisor, you’re still invested in the stock market, and therefore are exposed to all the risks and volatility of the market.
For higher risk portfolio within any robo adviser, yes, you can absolutely lose money.
Robo advisors are not genius tools that allow you to outperform the market in the short term
Poop! Did I just hear your reality bubble burst?
The ‘A.I.’ automation in robo advisor, the likes of Stashaway Malaysia, MyTheo or Wahed, like other automation tools, save the common high costs associated with going through conventional retail banking or agency channels.
The A.I. however, won’t guarantee, in any form or way, investors, the capability to beat the market day after day after day.
You will have to contend with the fact that your market-correlated investments will experience ups and down. There are no two ways about it.
For that reason, you must NOT put money you’d need in the next 5 years into robo advisors. But most robo advisors platform don’t tell you this prominently, so many investors had the wrong expectations.
Who is CF Lieu?
CF Lieu is one of the most trusted & respected independent consultant in the financial advisory space in Malaysia.
CF’s unique & unconventional angle of financial ‘life’ planning is evident by the title itself in his book –
‘Why 99% Financial Advice are Crap – the No Bullshit Approach to do what you’re good at, live the life you deserve & enjoy the freedom you desire’
CF works exclusively with personal clients who want a more sustainable and safe lifestyle and investment portfolio through REIT (Real Estate Investment Trusts). Check out where he co-founded the educational program with KC Lau.
CF Lieu is also one of the rare financial planners aka financial advisers who is actually engaged by banks and financial institutions to conduct investment seminars & workshops – like Maybank, RHB, PNB (Permodalan Nasional Bhd), FPAM (Financial Planning Association of Malaysia)…where his audience include CEOs, CFOs, accountants, investment analysts, private bankers, relationship managers etc
CF Lieu’s availability to work 1on1 with clients is extremely limited. As such, he’s very selective and he is expensive (although it will be FAR less expensive than staying where you are).
Many of his clients are seeing a positive return on CF Lieu’s advice in days, not months.
See CF’s clients’ testimonials here –
If you think you might benefit from one-on-one interaction with CF, visit
★☆★ WANT TO OWN CF LIEU’s BOOK? ★☆★
‘Why 99% Financial Advice are Crap –
the No Bullshit Approach to do what you’re good at, live the life you deserve & enjoy the freedom you desire’
Go Here go get it –
★☆★ NEED SOLID 1on1 ADVICE? ★☆★
Request a call with CF LIEU, but first, enter your details to see if you qualify:
★☆★ CONNECT WITH CF LIEU ON FB ★☆★
Facebook:
#roboadvisor #wahedinvest #mytheo #roboadvisors
Link do vídeo
Me chamo Felipe Trader e moro aqui em São Paulo. Comecei no forex a 6 anos atrás e hoje vivo somente do meu trading diário. Aqui no blog conto pra você as ferramentas e serviços que uso pra ser lucrativo.
All your analogy so freaking true and funny!
Hi thanks for the info. So what platform that you suggest to invest? How to do it?
also do you think philip mutual is better than stashway?
Etf also got taxes ? Or only applies to dividend Etf only ??
Really valuable content, this video is so underrated and I am glad that I saw your video before I make that decision to invest my savings in robo-advisor, because I don't feel 100% convinced by robo-advisor.
Conspiracy theory…my guess is money laundering, haha.
Hi CF lieu, i'm 40years and looking for investment , i have Zero knowledge about investment, could u advice me where should i start with? amount around 150k? thanks in advance
First of all us stock market performs better than the Malaysian stock market so its better to invest your money in us etfs like spydr and spy… the taxes also don't affect as much as taxes on us stock is actually territorial, so it'll be taxed under Malaysian tax laws. So I don't see the problem in investing with a robo advisor as people who can invest often don't have the time to study about which etf is good and which strategies to use to reduce taxes. So robo advisor help make wealth in the long term(40-50 years old)
NO
Big thank you, CF! I was doing some research b4 entering, you saved me 🙂
Dude what abou raiz ?…. I want to start invest.. but where should i invest ?
Very specific explanations.
hahaha…laugh die me. CF Lieu isnt SH lar… u r genius. i like your funny but informative sharing. Since Robo advisor got hidden cost, then shld invest thru which reliable and cheapest platform wor?
what platform you use to invest into 600 over fund globally?
Yes 15:41, my best guess is that there are several possibilities that why they don't invest in Malaysia ETF. First, political instability and poor regulation discouraged them to invest in our local ETF. Second, Stash Away claimed to be insured by Citibank and also claimed that it is unlikely Stash Away will get bankrupted. However, they can just take away all the money and siphon out the money like "Joh Low". Lastly, Singapore favors investing in the US, who knows global crisis caused by Uncle Sam again to do their usual global economy reset, so maybe StashAway has an agenda, a dirty scheme from the Americans, in the end, all money will be siphoned out.
Also, this referral method like you said, is modern MLM's idea, word to word, door to door, verbal to verbal, to increase cost-effectiveness, to increase awareness to the public through other popular people as a medium. Most importantly, to build trust among the public. So maybe once they built trust with people, to dupe them is easier. Cuz most of us are not financially literate. I don't think is easy for everyone to identify who is the devil or who is the angel.
Just my guess, not factual.
Thanks to you. I am planning to keep investing without realising how bad I am losing. I just lazy to go through all the FAQs even it is stated the pros and cons. I bet if I withdraw all the money, I will lose some more but I just have to stop the Standing Instruction , and withdraw until the right time.
I'm so glad I came across your video as I was doing my research in contemplating to invest in Stashaway or Wahed. Got me thinking now. Where do you suggest I stash my 6-month emergency fund
No to Robo
Nice video.
My guess
1. Helping us to secure foreign fund, and stashaway will get some benefit from us gov?
2. Since stashaway operate in a black box. They may actually charge a hidden higher processing fee (but blame it to the tax, forex or whatever)?
As usual what a great video!!!
Too many Financial Influencers talk cock, mock other unknown Financial Gurus when they themselves practice the same thing.
Hi I’m a 20 year old student looking into investments to start since it’s good to start early. I was going through robo advisors when I encountered your video. Very insightful and changed my thoughts on stashaway. Can you recommend a investment suitable for beginners like me?
How much to approach an independant financial advisor and how much it’s going to cost me
SPM Result. hahahahahahomglolll
Wahed does invest partially in myetf. But the return is not good as us etf.
What about etoro? Is it any good?
How enlightening, however I do try stash away simple and not investing as I never trust robo adviser. Machine learning and AI still need human input, garbage in garbage out.
ooiii…. i only knew you're Sung Siew guy… budak Sandakan… Im from SMK St.Michael!
if stock us which dont have dividen , still kena tax 30% if hold or sell the stock ?
Kalau yang sah mmg Ada Tax punya….
i suppork you boss. dont be afraid to make videos like this again. always talk the truth. you are diamond.
Nice video. I am currently investing in stashAway with minimal just to try put the platform.
My questions:
1) We are subjected to 30% witholding tax through US ETF in stashaway, but how about buying US companies directly from local broker or Unit Trust that invested in US stocks, are we subjected to the 30% witholding tax also?
2) What is your opinion on BIMB BEST invest ?
Thank you!!
Merry Christmas.
Hi CF, just to compare apple to apple. It one want to engage an experienced practiced financial planner like you to manage an investment of 100k MYR, what will be the cost at ? Any indicative of market price for such service ? Thanks.
On US withholding tax, are you saying that if I invest into a unit trust fund in Malaysia that invest directly into US equities, the unit trust fund is exempted from US withholding tax on dividends paid by the US companies that the fund invest in?
Off course, if the unit trust fund feeds into a mother fund domiciled in Luxembourg, then this may be correct. But if the unit trust fund invests directly into US equities, is it also exempted?
Boss, quick question – when I see a balance in my investment, is that not the value on the last valuation date? So if I redeem the investment today, I will not receive that value but the value when the redemption is done i.e. today’s value. Unless the market remain static with no change in the value of my investment from yesterday to today, I will never receive the same value. Or am I wrong?