Monthly Archives: July 2021

We all want to get rich and make money as efficiently as possible. While investing is one way of making a penny, you need to know what you are doing, and this is what Global Investment Bank Singapore will be exploring in this article. 

Global investing is the act of placing your money into a certain entity in hopes that it makes big profits and returns for global investors. This is one way to make money and accumulate your wealth. Although it might seem risky, there are methods that you can follow to avoid losses. Global Investment Bank Singapore wil help you through your next steps towards accumulating your wealth as part of future financial plans and personal goals no matter what they may be such as home ownership, retirement, or continuing your education. 

As Global Investment Bank Singapore  Global Investment Bank review states, do not associate investment with short term goals. Think of investing as a long-term goal that needs patience and monetization to achieve high returns. Unlike savings which have very low-interest rates and low on risk, investments have a chance for higher annual returns.

Global Investment Bank Singapore  expert Tommy Lee gives us a good example: “Let’s say you want to buy a new car. You’re into SUVs and would like to buy the latest model of a legendary car-maker. If you can convince yourself that you can save money over time, then you could argue this is an investment. Obviously, there are tons of people who are willing to pay more for these cars than what they will sell them for on the used market because they love them so much.”

Learning about global investing or investment banking might seem intimidating at first, but there’s no need to be scared. When people hear the word “investing,” they automatically think of stocks and bonds. But there are other types of investing as well. These options are important to consider before starting investing which might seem like a daunting prospect for some. But there are millions of people globally who do invest confidently. And now that you’re looking to improve your future (which is what investing does), Global Investment Bank Singapore wants to demystify it—and maybe even inspire you with some solid reasons why you should start making an investment in your very own future!

Here are 5 reasons why you should take the plunge and start investing. Whether it’s your global investment bank or a broker, you’ll be happy you did!

1. Retirement

Once you retire, your main sources of income–your career–will dry up. How then, do you plan on spending your twilight years? If you wish to travel around the world or stay at home, both options require resources. A common wish that most retirees have is to relax at home and enjoy it with loved ones. The problem with this is that homeownership can easily ecome expensive as time goes by. 

In fact, housing expenses are one of the leading causes of bankruptcy among seniors, Global Investment Bank Singapore ’s Global Investment Bank Review reports. If you’re in your twenties, the idea of investing for retirement is likely miles off in your future. But whether it’s five, ten or 20 years from now, it’s never too early to start planning for retirement. For example, owning a home can be your ticket to a safe, stable retirement. But the costs of homeownership have a way of growing over time. And the best way to achieve homeownership is through using profits from global investing. 

2. Take Advantage of Fintech

Global investors are talking about the fintech sector. This space has seen unprecedented growth. ButI can relate to not wanting to jump onto the bandwagon. Competition is fierce in fintech, and with banking interest rates close to zero for even the highest risk credit borrowers, fintech start-ups have been taking over as a much hyped investment sector. 

According to Global Investment Bank Singapore’s trust Review, the fintech sector shows no sign of slowing down. It is an exciting time to get involved if you’ve been hesitant so far.  There is immense opportunity for those willing to take risks. Fintech is, without a doubt, one of the hottest sectors to watch. It’s predicted to grow in value from USD$20-$25 trillion in 2015 to between USD$25-35 trillion by 2021. The market is hot and so are the fintech start-ups being funded by angel investors, take a chance and jump in.  Though risky, the potential for high rewards are there. 

You could be part owner of the new Facebook! In the past three years, I have made more than $150,000 in passive income from start-ups through my investment. I have been able to do this on a teacher’s salary while being a full-time student myself. The goal of this blog has been to show you the path to making money with start-ups, and the best ways to invest in them. By identifying the market, you want to enter, meeting the team behind the start-up, judging their ideas, and identifying the ROI (return on investment). My advice as a Global Investment Bank Singapore  writer and analyst for Global Investment Bank Review is to start looking for cool new ideas in the global investment market that you see the potential of putting your money in. 

3. Nowhere to Go but Up

Many people are against the idea of investing in the stock market because they believe they could lose all their money. This is only partially true. Investors can also make money within the stock market, a lot of money. The idea of investing in stock markets or investment banking for the long term is to let your money grow at a pace that outpaces inflation. This makes sense because a dollar today has less buying power than it had decades ago. Therefore, you need to start investing early, if you want to make more money in the long run.

“While it can be risky in some cases, overall, your investments have nowhere to go but up. Global economies have grown along the years, and will most probably continue to advance,” Global Investment Bank Singapore’s analyst Mark Raj tells us.

4. Diversify, Diversify, Diversify!

Diversification is an investment strategy in which an investor divides his or her investments among different industries, markets, or assets. Global Investment Bank Singapore’s analyst Mark Raj advises that diversification is one of the most effective strategies in finance, and getting into the market through equities for example, is the easiest way to diversify.

Ever since the recession, investors have been seeking alternative methods to diversify their investment holdings. Though investing in traditional assets like real estate will always be there, non-traditional options have become very common and it is spreading across the global investing world. For example, investing in equity crowdfunding has grown in popularity considerably over the past few years.

Although people still think that real estate is the way to go, or others prefer bonds, a subset of people prefer stocks and still, some might find fixed deposits appealing. None of these is necessarily wrong but you should decide what is right for you. “In other words, don’t put all your eggs in one basket. It is wiser to place your eggs in different baskets just in case one of the baskets goes down the drain,” says Global Investment Bank Singapore CEO and Founder, Joel McMurphy.

5. A Chance to Own Your Own Property

Real estate investing is a great opportunity for anyone interested in how to live a life free of financial stress. Real estate can be used as the gateway to financial freedom. The key to success with real estate investment does not lie solely within the properties themselves but in the strategic planning and daily operations. “Real estate investing is not a get rich quick scheme. Real estate investing is a long-term business that takes a serious dedication to learn. However, as in every business and especially the business of this nature, you can make a lot of mistakes and lose your money fast,” cautions Global Investment Bank Singapore’s Mark Raj.

But it is still my favourite type of passive income. I’m a firm believer that real estate is still one of the best ways to earn a passive income. You don’t have to work at your passive income – you just have to find properties and manage them.

To conclude, whenever the stock market goes up, you hear all the experts talk about how to invest. I know, it all feels a little scary. I mean, you don’t want to make a bad investment and lose your hard-earned money. There are good returns from stock markets. Some people make a full-time living out of investing their savings which they use to trade daily. But the majority of people don´t invest money because they don´t know how to start investing, or are too afraid to do it. Or rather, they think it’s too complicated and too risky a process.

Nowadays, you can now start investing in the stock market with as little as RM500! The simplest way according to global investment banking analysts is that you can build a portfolio and invest in companies like Apple, Facebook, Amazon, and Google, and expect good returns in the long run. So there’s no excuse not to start!

Stay tuned for more our colleagues from Global Investment Bank Singapore!

Fostering a great mentally healthy workplace has several advantages for both employers and employees. It can reduce absences, increase employee engagement, and it can increase group productivity.  Workplaces that support mental health and help people take care of their psychological wellbeing are more likely to succeed in their business. 

A review of GIB Digital Bank Malaysia Human Resources research into workplaces shows that mental health is taking greater importance, especially during periods of significant stress and upheaval such as the current pandemic era. “Managing mental health in the workplace is essential because it helps you determine how you manage tension and relate to others. Poor mental health can affect employee performance, communication, physical functioning and can add to increased general stress and tension in the office, among others,” said GIB Digital Bank Malaysia’s Human Resources researcher Liza Chan. Mental illness refers to a wide range of mental health disorders that affect your employee’s mood, behavior, and thinking. Examples of mental illness can cover a broad spectrum of diseases such as anxiety disorder, depression, addictive behavior, eating disorders, and schizophrenia.

The mental health of employees can have a significant impact on your business. Because of that, employers should be mindful of the wellbeing of their employees. When it comes to supporting any of your staff with mental health issues, the workplace can be ideal for encouraging healthy behaviours and establishing the support necessary to maintain those behaviours. 

“Many successful programs combine both physical and mental interventions to support a healthy workplace mental health culture. We actively promote taking care of staff among our GIB Digital Bank Malaysia global investment bank community through many methods. These include small initiatives such as routinely sending out awareness materials to organising online seminars,” said Chan.  

Dealing with workplace mental health can be sensitive, but instead of ignoring it, there are numerous resources to help develop a suitable program. To help you get started, GIB Digital Bank Malaysia outlines four ways to cultivate a healthy mental health culture in the workplace with tips and information from our in-house experts and also from our GIB Digital Bank Malaysia global investment community. 

1. Talk Openly About Mental Health

A mental health problem affects the workplace a lot, but it can be reduced if a manager knows how to deal with an employee-facing a mental health problem. A manager should make the workplace friendly enough to openly discuss mental health issues to make it easier for employees to come forward with any problem they face. “A friendly environment can help the employees surface and recover from their condition. Companies perform better when their employees feel healthy, motivated, and focused,” explains GIB Digital Bank Malaysia’s Chan.  

When a superior helps other subordinate employees suffering from mental health problems, it can have a much more significant impact on their mental health. Managers should also be trained with the skills to help them recognize the signs and symptoms of stress and depression in team members and encourage them to seek help from qualified mental health professionals.

If employees think they can talk openly about mental health, problems are less likely to occur. There are several essential steps that managers can take to make sure the environment is open to support your staff who are having mental health problems. These are: 

• Actively listening to the employee 
• Always try to give employees space to relax and destress.
• Have as much face-to-face conversation as possible
• Develop skills in detecting symptoms of common mental health illness and make sure there are mechanisms for tackling them 
• Normalize discussion of mental health by sharing personal stories in video messages or in person. 

Research studies provide strong evidence that an organisation with a high mental health awareness is more successful. It is essential to talk about mental health in the workplace and to make it easy for everyone to discuss and make them feel that tackling mental health is not a big deal.  One GIB Digital Bank Malaysia global investment community member holds lunchtime learning sessions to reduce stigma about mental health among employees.  

2. Promote Supportive Workplace Relationships

Promoting positive mental health in the workplace often focuses on stress management and skills training. For those who are facing mental health problems, these steps, though helpful, aren’t enough. Having supportive relationships in the workplace plays a vital role in providing a healthy environment. To keep a work atmosphere healthy, positive and polite communication is key. When an employee does hard work and succeeds, positive feedback can provide encouragement that’s motivating. Managers should promote active listening and being a positive role model for healthy communication among teams.  

Encouraging workplace friendships outside of work is also important. Creating bonds among people enables an environment where employees can talk openly about mental health amongst each other. Managers should ensure your employees are in regular contact to talk about any issues they are having. 

3. Offer Incentives

Supporting employees to improve their mental health is an essential step in reducing the problem. When an employee receives support from the workplace, their ability to take active steps towards improving their mental health improves. Productivity and efficiency will also increase. When they feel supported and valued in the workplace, they become more focused on their work and will be more likely to outperform. 

According to GIB Digital Bank Malaysia’s Liza Chan, a company can offer incentives to encourage employees to cultivate better mental health. “These incentives can be tied to performance which can include a mental health component which can, for example, offer bonuses or other forms of gifts to staff members who take up roles as mental health mentors who encourage team members to reduce burnout and tackle stress. In GIB Digital Bank Malaysia’s review of best practices among our global investment community, we found this to be quite popular,” said Chan.  

4. Make Wellness a Priority

Wellness should be the key priority in the workplace. Workplace wellness programs can recognize people at risk and link them to treatment to reduce mental health problems and manage stress. By solving mental health problems in the workplace, employers can minimize healthcare expenses for their businesses and workers. There is strong evidence that links good mental health and well-being in the workplace that workplaces with a higher level of mental health are more productive and more profitable.  

Based on this, implementing health and wellness strategy and programmes which add mental health elements is crucial for healthy workplaces. Company-wide policies help to put in place concrete frameworks and mechanisms that support employees at every level. Programmes should encompass a holistic approach that encourages both mental and physical health. For example, programmes can encourage employees to eat healthy, well-balanced meals, exercise regularly, get 7 to 8 hours of sleep a night, and practice mindfulness. You can conduct guided imagery relaxation sessions to teach employees stress management strategies. Internally, you can also appoint designated mental health specialists so that your employees can talk to you to learn more about how they can promote positive mental health in the workplace.

GIB Digital Bank Malaysia’s Liza Chan explains that companies can even go one step further. She says: “Even beyond company walls if companies don’t have the resources to spare, employers can tap into existing community support programs that staff can access such as NGOs or religious organisations or other places where support groups or community programmes exist they can refer staff too.”

Lastly, all we can say is support your employees with any of their mental health issues. Because mental health problems are a vital issue, please do not take them lightly. There are many resources available to anyone interested in cultivating a positive mental health work environment that you should take advantage of. 

Mental health is not just about mental illness, it is also about maintaining a healthy state of well-being and balance. “Mental health problems can directly affect a company’s bottom line, therefore it is crucial to nip any issues in the bud. Better health is the key to success. Companies that focus on employee’s mental health are more likely to improve, profit and succeed,” says GIB Digital Bank Malaysia’s Chan. 

Aside from GIB’s excellent global investment bank reviews and analysis, Get’em In Business (GIB) Malaysia and its parent GIB Capital Group is a huge advocate for making investments and growing your wealth. They say money can make money but is this true? Well, this is only possible if you save your money and make valued investments. It is easy to desire a good livelihood however how many of us can really achieve this? Well many may say, people who come from wealthy families and live on trust funds but at the end of the day, you need the knowledge on maintaining a certain lifestyle and growing it further. Spending without saving or investing will eventually dig a hole in your pocket no matter how much money you come from or have. 

GIB CAPITAL GROUP INFLUENCERS TIPS AND TRICKS ON MONEY AND INVESTING

One thing about Get ‘Em in Business (GIB) is that our network of global investment banking reviewers and members whom we call “influencers” have worked extremely hard to get to the top. Scattered across the region in Malaysia, Singapore, Cambodia and beyond, GIB Capital Group network members continue working in order to eradicate poverty and support the small business communities. They’re business owners in many different sectors and come from different backgrounds, but all are dedicated to giving back to the community and helping lift up others. 

In fact, that is only the beginning. This is because if an individual does not train their mindset to make more investments and create a legacy, everything they have worked for can easily just disappear. So our marketing team and global investment bank analysts solicited a few tips on money and making worthy investments from the top members and influencers at Get ‘Em in Business (GIB) Capital Group’s network of successful entrepreneurs to share with you. Read on! 

• CHUN EI, investor, GIB Capital Group Network Member 

“The pandemic took a large hit and toll on everyone. It does not matter how wealthy or successful you are because we all had to go into our money reservoirs which caused a decrease in our funds. I can only imagine how those without emergency funds survived. The global disease outbreak definitely taught us the importance of having more than one stream of income and creating that business opportunity for yourself. Luckily, GIB Capital Group has made this possible even to those with a lack of capital. I’m grateful.”

• CARLOS ROSHAN, entrepreneur, GIB Capital Group Network Member 

“Having come from a Spanish and Indian background, my success story can only be an inspiring one. As an individual, you have to seek what motivates you to want to achieve a certain kind of lifestyle. I was born and raised in a foreign country with little to no funds. My motivation was always to uplift my family and I from the impoverished life we lived. Having been refugees did not make it any easier however anything is achievable once you set your mind to it. At the end of the day your dreams are valid so you just have to find your motivation and driving force.”

• GANESAN CHUTRI, online wholesaler, GIB Capital Group Network Member 

“From a young age, I have always been a business minded person. Even in primary school, I would buy loads of sweets and sell them for double the price in order to earn a profit. I can definitely say that my parents did a good job by noticing I was a business enthusiast and nurturing these qualities in me from a tender age. So what if an individual has no interest in business? They can nurture their own qualities as well as their children’s from a young age. This is a form of investment because as the years go by, the skills only get sharper. Besides nurturing talents, abilities and gifts, it is also important to introduce and cultivate a saving habit.”

• SUZANNA MAUILANA, restaurant owner, GIB Capital Group Network Member 

“Pursuing your dreams and goals as a woman can be one of the most difficult journeys especially during my time. At my age, I am extremely honoured and humbled to be a part of the GIB Capital Group’s network. Not only that, but I am also among the first women to be a top influencer at GIB Capital Group. I was stunned when GIB invited me to be one of their global investment banking analysts. It was a huge validation for me for all the years I’ve been learning and working hard. 

I decided to launch my first business in my mid-20’s right after I had graduated from campus. Coming from an esteemed family, I was expected to immediately get married after finishing my studies and many discouraged me in the pursuit of my business endeavours. Looking back now, I am 55 years of age and I would not change a thing. I would not go back in time and do anything differently. What message am I trying to convey? When it comes to making investments or investing in yourself, go with your gut and choose yourself. Making investments means choosing to  take risks and you can never know the outcome without trying. My question to you is, would you rather live in fear or regret?”

• AZIZ ALAMIN, investor, GIB Capital Group Network Member 

“Being a great investor means keeping up with the latest business news and trends. As an individual, you must follow up and stay up to date especially because we live in the modern day world where many things have become digital and it is imperative to know the changing and updated trends. A tip I always give is to make sure you stay in touch, network and interact especially with people of similar interests. GIB Capital Group network is perfect for this. That way you will always have an overview of what is going on and where. 

Making one investment does not necessarily mean that once you have invested your money all you need to do is sit back and wait for it to grow. You have to be keen and remember that there are investment opportunities arising each and everyday better than the ones that were available yesterday. Therefore, stay awake, stay alert and have an open mind.”

• WEI YONG, global investment banker, GIB Capital Group Network Member 

“Passion is everything. One of the reasons I became a part of the GIB Capital Group’s global investment bank network in Malaysia is because the alignment in our goals was undeniable. As an individual, you have to ask yourself what is your goal in life? Are you looking to improve your lifestyle and if so how much are you willing to sacrifice in order to achieve your desired lifestyle. Do not just make investments because it is a trend but instead make them because they align with your goals and draw you closer towards them. That way, the decision making process when making an investment will always be an easy task.”

• DHIVYA DIVVIE, small business owner, GIB Capital Group Network Member 

“One thing I think the pandemic taught us all is that you can never have enough savings or investments. I think this was an awakening process in terms of educating people on the importance of making investments and saving their money. If at any point individuals had no passion or paid no mind to making even the smallest of investments then the pandemic definitely altered their way of thinking. With this unfortunate event, it is advisable to make value investments through GIB Capital Group’s banking services and create other avenues of income no matter how many you may already have. Even for those starting from scratch, slowly but surely is the way to go. At the end of the day you would rather have something than nothing at all, especially when it comes to making an investment.”

• EMANZIE MOHAMMED, online bookstore owner, GIB Capital Group Network Member 

“There is always light at the end of the tunnel. The whole world was affected by the pandemic including the economy in general. This taught us to be ready for any circumstance. I am quite a huge reader which has helped especially when it comes to making important business and investment decisions. While I was reading, it came to my knowledge that there was a spanish flu outbreak in 1918 which was way worse than the pandemic outbreak we have recently experienced. What this information did for me is that it prepared me for the future. 

One tip I would give is to always invest while keeping in mind that history can definitely repeat itself at any time. If you can invest in global investment banks, do it. Join networks like GIB Capital Group. I also suggest reading and acquiring information as learning is always constant. Therefore, with this strategy you will always be prepared for anything.”

• KAI WAN, global investment researcher, GIB Capital Group Network Member 

“In the present time, it is safe to say that we have all been affected by COVID-19. The immense effect the outbreak has had not only on the governments, organizations and individuals as well has caused a great change in everyone’s socio-economic status and has only widened the gap between the rich and the poor. Honoured to be a part of GIB Capital Group’s network of global investment banking reviewers and analysts. We believe in encouraging individuals to learn what they can do differently and to be resilient in the face of their investments. One major advice I can give is to join the GIB Capital Group’s digital banking platform that aids and provides education on making the right decision such as choosing the right global investment bank for services, as well as growing your own wealth. Our organisation has also dedicated itself to helping small businesses and providing capital to individuals who would like to start up a business. We encourage you to join us today and watch as your life changes greatly.”

There are many kinds of personal finance and global investment bank apps out there, and all three major mobile platforms (Android, Apple, and Windows) have a large selection. Choosing one can be tough, but the choice gets easier if you ask yourself some questions. 

Global Investment Bank App Chief Technology Officer Mark Antony says, “Deciding which app or apps to use to stay on top of your financial life can be complicated.” In this article Global Investment Bank App CTO Mark Antony discusses some of the best options and how they compare.

A number of mobile financial apps and personal finance apps can help you manage your money the way you prefer. Traditional banks, digital banks and other financial institutions use a variety of tools to help their customers manage their finances. Although they may share some common features, no one type of financial management app can offer everything. While it may be important for some people to manage their money through an app downloaded from their bank, many users prefer to have a more flexible solution. Global Investment Bank App Chief Technology Officer Marc Anthony advises to consider that the major advantage of banking apps is that it doesn’t require a subscription fee to operate.

It is difficult for consumers to choose the right global investment bank and personal finance app to fit their needs. Global Investment Bank App CTO Mark Antony shares a key example: having too many features will make it difficult to navigate through the application’s user interface. It is therefore important that a user-friendly UI is available in all applications so that no matter how many features are built into it, the user has an easy time navigating through it. Before downloading a financial or global investment bank app, let’s review the main things you need to consider.

Global investment bank apps are changing the way the world does business 

The possibilities are endless. Mobile banking and global investment bank apps are used for convenient online banking. Mobile banking apps allow customers to deposit checks, pay bills and transfer money from any location at any time with just a few swipes on their smartphones or tablets. Depending on the financial institution offering the mobile app, Global Investment Bank App CTO Mark Antony says, “You can find a variety of features that vary from account management, bill payment, to online chat.”

Now let’s go over some of the key features a good personal finance app and global investment bank app offer! Personal finance is managed and maintained through mobile applications and personal devices. These apps will help you manage and budget your finances through a secure medium and a safe global investment bank app login.The features depend on the app. Some apps work with your bank to send alerts about upcoming bills and offers, while others help you track your spending and create budgets to help with long-term planning. According to Global Investment Bank App CTO Mark Antony, those are the main features that are absolutely essential in each financial app: 

• Get real time updates on your net worth 
• credit score
• personal finance
• track your cash flow
• track your expenses
• graphs of your financial activities.

A financial app puts a powerful tool in your hands–the means to a more immersive and comprehensive grasp of your wealth. 

Choosing a global investment bank app or personal finance app is more important than ever

A good personal finance app should help you make sense of your finances. It should give you a clear picture of your spending, provide tips and advice about money management, and help you plan your future investments. Global Investment Bank App  CTO Mark Antony says ask yourself these questions before deciding on which app to go for! 

• What’s the main objective of the app? Is it meant for investments or budgeting? 
• Does the app seamlessly integrate with your bank account?
• How easy is the user interface? 
• What special features does the app offer? Does it stand out?
• App security level? 
• Does the app provide customer service? 

Before choosing any finance app it is important to consider the cost of service and upgrade fees. Global Investment Bank App  CTO Mark Antony notes, finance and global investment bank apps vary in cost, and depending on your circumstances, one may be a better fit than the others. While there’s nothing wrong with a free app, the ones that charge a fee are generally better quality. In the end, you’ll know if an account is worth having. After all, doing the math is one of the best ways to keep your money right where it belongs. Using mobile banking apps, global investment bank apps and personal finance apps together can save money and provide a better experience.

Using both mobile banking and finance apps simultaneously can simplify your life and reduce the time you spend paying for things. For instance, most budgeting apps require you to link them to your personal accounts in order to use their services. Therefore having both apps on your phone will ease out the process, you can simply link your budgeting app to your mobile banking app, you wont need to manually enter your spendings. The budgeting app will automatically collect the data. Tracking your spending and categorizing. 

It’s time to use your personal banking app, take a deep breath and focus on the process. Lastly Global Investment Bank App  CTO Mark Antony advises to take some time and read the actual reviews written by some of the users who’ve already downloaded and used the app, this will help you gain a realistic insight of what the app can actually offer!