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Given the challenges in the past few months since COVID-19 pandemic and with many is expecting the Coronavirus to negatively impact their finances,,  consumers are getting more cautious about their spending. With the continuous reduction of the overnight policy rate (OPR) announced by Bank Negara Malaysia (BNM), it also translated to lower returns for savings. The question is where to put their cash in the current environment? 


Work out your risk appetite

Although the low interest rate environment has made the valuation for almost every asset class worth more, one of the important aspects before investing is to know your risk appetite. It determines your risk tolerance and which types of risk most worry you.


All investment comes in a certain amount of risk, by understanding how much risk you are willing to accept, a model portfolio with assets will help you achieve your goals. For instance, gold does not generate any yield but an instrument to hedge against inflation. Equity market can yield for higher returns albeit at a higher degree of risk.

Your model portfolio can serve as a guide on which assets to invest in, and in what proportions. Think about what you want from your investment – are you preserving the value of your money, or growing it? How much you can afford to risk? Do you want higher returns? Click to find your model portfolio here.

Find the right asset class

One of the challenges that investors’ face is deciding which asset classes to build in a portfolio, since the level of risk and potential differs in each asset class. This also has impact on whether you will meet your financial goal. As a starting point for your research, you may look into our macro outlook & advisory house view - in-house investment experts views on asset class outlook.

Portfolio Diversification 

In a nutshell, portfolio diversification means a more balanced risk and reward. A diversified portfolio could help to reduce potential huge losses at times of uncertainty. If one asset class perform poorly during the investment period, and other asset class perform better, it helps to reduce the risk of large loss. In addition, it helps investors to achieve a more stable expected return over a long run. 

Before you invest, understand your personal financial situation, smart investors would set an emergency fund in savings to cover emergency and make sure you do your research and understand what you’re getting into and find the investment strategy that works best for you.


The contents in this document are reasonably believed to be correct at the time of issue and are subject to change.


CIMB Bank Berhad (“CIMB”) makes no express or implied representation, recommendation or warranty as to the accuracy, desirability, reliability, or completeness of any information and opinion relating to any matter contained in this document.


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