- 8 months ago
Khairi Shahrin Arief Baki,Deputy CEO of CGS International Securities Malaysia, unveils a game-changing approach to wealth creation — welcome to the new era of fractional investing.
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00:00Thanks very much for joining us. This is The Economy with me Ibrahim Sani. Currently I am at the offices of CGS Securities Malaysia.
00:17Very recently CGS has launched their first product in Malaysia called Fractional Trading.
00:24It's the first to be seen in Malaysia through their new age platform called UP.
00:30This is aimed at designed or targeted towards the young and tech savvy market.
00:37And of course trying to see if Fractional Trading would take a bite for those that might want to enter the foray of equity trading for the first time in their lives.
00:47Here to discuss this and more is the Deputy CEO of CGS International Securities Malaysia, Khairi Shahrin Arif Baki.
00:55Khairi, thanks very much for taking time to speak with us.
00:57Thank you very much.
00:58Was the launch fun, I suppose? Or did it meet your expectations?
01:02Yeah, I mean, you know, we took the advantage at a conference where our Prime Minister was there.
01:09And then SC as well as Bursa, so all the Chairman's are there.
01:14And so it was a very successful event. And as I said, we took the opportunity to launch the Fractional Shares during the event itself.
01:21And of course CGS is the first broker to offer Fractional Shares Trading in Malaysia.
01:25For those that might be in the uninitiated, how would you describe Fractional Trading to the average investor?
01:34And why do you think this is going to be interesting for them?
01:37Alright, this is very simple. Fractional means, you know, a portion of it, right?
01:42In the normal bursa trading, I take example, I like to use Tenaga Shares, for example, at, you know, 12, 13 ringgit.
01:49So at 12, 13 ringgit, 100 shares will cause you about 1,002 or 1,003 at 100 shares, right?
01:57With UpApp, you can still own Tenaga Shares but only as low as 1 ringgit.
02:02Of course, 1 ringgit will get you a portion of it, you know, probably about 0.07 of shares.
02:09But then, you know, you can own the Tenaga Shares already.
02:12So that's the beauty of it that, you know, just like other investments where it has been a fractionalized,
02:18the cryptos for example, where you just own a portion of it.
02:21So same thing here, you can own Tenaga of any of the shares.
02:24Of course, right now we are limited to the KLCI or the Bursa Top 30 at a fraction and as low as 1 ringgit.
02:30So that's the beauty of it that anyone now can start to invest even when you say,
02:34Oh, I only have 1 ringgit, fine, you can start to invest even with 1 ringgit.
02:37Why limiting it to just the Top 30 best companies?
02:39Okay, of course, first of all, this is for the beginners, right?
02:43Or for those who just started to invest.
02:45And we want to limit it to just top counters, good counters.
02:50Of course, as you know, the KLCI, you know, these are the best top 30,
02:55whether from profitable, whether from market cap.
02:58And these are more stable companies, I would say.
03:01And some of them give pretty good evidence.
03:03And from our point of view, that would be the best start rather than for them, you know,
03:07to start to look at some other names which is a bit more volatile.
03:10Alright, let's talk about this.
03:11So we're trying to protect, you know, investor interest.
03:14We're also trying to initiate them into equities for the first time in their lives.
03:18We're also looking at how we can make it more accessible and democratizing it for them.
03:22It seems like you have a lot of ingredients that is pushing towards greater financial literacy.
03:28Yes.
03:29Great involvement of the market by retail investors.
03:33Is this the right time to get retail investors in the game?
03:37As well as, what would be some of your advice towards these kind of investors?
03:40Alright.
03:41I think we've heard this many times before.
03:43The best time to invest was 10 years ago.
03:45And the best time is today, right?
03:47If you missed it, you know, whether 10 years ago or 5 years ago, so today is the best time.
03:51I, you know, we understand that the market unfortunately when, you know, when we launched it, it was at the right in the middle of the storm.
03:58But I always see there's, you know, there's always opportunities into it.
04:02Alright.
04:03And I don't think if, you know, you invest, I mentioned just now 1 ringgit, even if you invest with 10 ringgit, it's a cup of a coffee nowadays, right?
04:11I mean, you see university students, you know, spending a lot, yeah, more than that, right, for a cup of coffee.
04:17So, Hanks, I don't see any reason, you know, if you buy something at 10 ringgit and you lose 10% of your investment or 20% of investment,
04:24you just drop from 10 ringgit to 8 ringgit.
04:26I mean, it's not going to, but the beauty of it is like, they will learn, they will learn that, oh, you know, the market is volatile that,
04:33not necessarily if I put in 10 ringgit, you know, every time it's going to become 15 ringgit, you know, 50% or whatever that, it's volatile.
04:39So, it teaches them, you know, there's a risk.
04:42And then, you know, you asked me about the KLCI.
04:45So, also, investment is not just about returns, it's about risk.
04:49So, hence, we want to limit their risk where either the KLCI or the 30 stocks, the risk will be a bit lower.
04:57And as I mentioned, you know, there's no wrong or right time.
05:02And we felt that, you know, the conference itself is an ASEAN Investment Conference.
05:07It's a big event, and then we thought it was the right time to launch in April.
05:11One thing I find interesting when I started off my career, and I opened my first training account,
05:15of all the places I opened it with CJSCMB at that time.
05:18Thank you very much.
05:19Because we were family, and then we weren't.
05:22So, one thing interesting is that it allowed me to understand a bit better in terms of the trading platform.
05:28And, of course, you know, the news that we see every day, and how that particularly impacts the way I would invest.
05:34Including, say for instance, what we saw in recent weeks, the tariff war, China overtures, Malaysia and ASEAN movement that we were seeing this next few weeks and perhaps months.
05:50And all this, of course, impacts trade and how this will go up and down, I suppose.
05:55Do you feel that this is an opportunity for your potential investors to actually learn about current affairs, global affairs, national affairs, economic news,
06:05and how that impacts the way they would look at their shares going up and down, or look at how they can invest for the long term?
06:13Do you think that this is the best way forward for them to learn about these things?
06:17Okay. Yeah, definitely. So, even if you open account, and as I mentioned again, you don't have much money, it's fine.
06:23You know, on the app, we have the discover sections, you know, the research, everything, which we simplify from our award-winning research team.
06:30And instead of looking at the research, like from the institutional kind of reports, we simplify it.
06:36And hence, because this is, you know, it's meant for the retail, right?
06:39And then, not just normal retail, but as well, it's for the retail first-time investors.
06:43It could be university students, it could be low-income groups, or even just, actually, anybody.
06:48You know, even someone with lots of money, but they say, I'm not familiar with investment.
06:52I think this would be a good platform. I just want to, you know, put 15 ringgit of my money.
06:57And they can, right? As I mentioned to what we, you know, the minimum amount, if you want to spend in the normal 100 shares in bursa.
07:05So, you can start with any amount. And yeah, we have the research reports.
07:09The team has started doing webinars as well. We go down to the universities, you know.
07:15I'm going to go to one of the universities up in the north tomorrow, actually, to share some of this.
07:20Our team was in another university last week. So, it's an ongoing thing that we're doing with a lot of the universities.
07:26It's about them understanding, like, look, you know, your first step, it doesn't have to be a big amount, you know.
07:32And your first step, you don't have to be afraid of it, because sometimes, you know, when there's too much.
07:37So, what we did, in a way, we lower the barrier, whether in terms of to amount of to invest, and to approach the whole thing.
07:45Like, it's very user-friendly, it's a simple app, you know, you're using smartphones, you don't know all kinds of apps.
07:51So, this is one app that, I think, from Malaysians especially, it's very important that they make that at that first step.
07:58Okay, let's talk about the app itself. It's called Up. It's pretty simple, and it's pretty straightforward.
08:04How is this different from your previous apps that CJS has launched before this?
08:08Okay, first of all, fractional. Never been done in Malaysia before.
08:11I mean, there are other platforms that offer fractional, but it's for US or other markets, but never for bursa.
08:16So, we're the first one to do for bursa.
08:19The second thing is that how different it is, it's simple, and zero brokerage for the buy.
08:26Alright, and what we have added, a wonderful feature in it.
08:31We call it regular saving plans, but in other words, it's like a regular investment plan, right?
08:38You can set yourself, whether on a weekly basis or monthly basis, to put in 50 ringgit or 100 ringgit,
08:44and then, you know, you can choose where you want to invest, and it will automatically invest for you.
08:50And that is something new that we, you know, we feel for anyone who just want to have some exposure into certain names.
08:57So, for example, we haven't added ETF yet, which we will, just for your information.
09:02It's okay, it's okay, slowly.
09:04Yeah, for diversification.
09:05But ETF is in the works, lah.
09:06Yes, definitely.
09:07Yeah, ETF and even outside of the top 30 stocks, what we have in mind also to include high dividend stocks.
09:13Oh, yeah?
09:14Yeah, so that will help, right?
09:15I mean, in terms of...
09:16So, it sounds like you might be opening up to the top, outside of the KLCI 30.
09:20Yes, that's the plan, it's not there yet, but yeah, that's finally that we were heading towards that.
09:25And then, of course, is it open to Malaysians only?
09:27We open to Malaysians, yes.
09:29And foreigners?
09:30Okay, foreigners, we also have the app in Singapore, since you know, we're a regional company,
09:34so they can also register through that.
09:36I think for here, we do keep it for Malaysians, yeah.
09:41Okay, let's talk about the save-up feature in the app.
09:44Yes, yeah.
09:45So, that's the one that I mentioned just now, the regular savings plan, where you can put,
09:49whether on weekly basis, every fourth nightly or monthly basis, you know, any amount that you have in mind,
09:57and we'll just auto deduct from your account.
10:01You're mentioning that, because CGS operates in various markets right now,
10:06and as I understand it, for now it's just Singapore, Malaysia.
10:10Yeah.
10:11Is there going to be a plan in store for you to roll out, or CGS International, to roll out the app,
10:20the app also around the markets that you operate in?
10:24Yeah, there's plans for that. I mean, it all depends on the demands and the readiness of each market and other teams over there.
10:30So, we launched this in Singapore. So, when we launched in Singapore, it was for Singapore market and Malaysia market, Bursa.
10:35When we launched our app Malaysia just for Bursa, and I think we're quite happy.
10:40Bursa has been, you know, a very vibrant market in that sense.
10:45Especially, if you see last year, right, and the number of stocks that has been performing has been very well.
10:50Of course, this is a bit slow, but we believe, you know, for the time being, we're just going to focus on Bursa.
10:56I think it's more than enough. I mean, for a first-timer or a beginner, right, I mean, you're not going to invest in too many stocks.
11:03What you just need is some exposure and that learning process, and I believe after Bursa, as I mentioned,
11:08you know, we are looking at the ETFs that we have in Malaysia.
11:11I think Bursa has, I think it's about 18 or 20, you know, low 20s, a number of ETFs.
11:16We should be enough in terms of diversification, and I will add a few more of the high dividend yield stocks.
11:21I think that's more than enough for now. Of course, if you have any other plans in the future, we will update more.
11:28Investment literacy is a big deal for all of us to actually comprehend.
11:32Where do you see investment literacy comprehension in the Malaysian market, especially among Malaysian youth?
11:38And how does this compare, again, say other forms of financial literacy that you see around the market that you operate in?
11:44How far are we from that gap? And if so, would having these kind of exposure towards products like fractional shares and some exposure through your app program, would that help kind of close that gap of investment literacy?
11:58I mean, we've seen this for many years. You know, we know there's all these financial literacy issues.
12:05We see day to day or on daily basis, right? All the scams that's happening all over, right? So, you know, we want to play our role.
12:13So, this is part of our social responsibility.
12:16Sorry, I'd like to posit that financial scam affects boomers more than the young.
12:25Digital natives are not easily scammable.
12:28Will you be surprised?
12:29I'll be surprised.
12:30Yeah, I mean, like, okay, but on average, I suppose.
12:33Yeah, yeah, yeah. More more boomers, I would say, because of the, you know.
12:35Because my mother would get scammed every Friday, and my 13-year-old son is not easily scammed at all. So, there's that, you know.
12:43Yeah, true, true. Okay. You know, let me rephrase that again.
12:46We're afraid that it might happen to them, right? So, you take, you know, first steps.
12:51So, we've been working with the universities, for example. We have trading labs in quite a number of universities across Malaysia.
12:57We have programs with them, even before we launch this app app.
13:01We have our ASEAN Investment Challenge, okay?
13:04Where we invite the students of UNIS from Malaysia, Indonesia, Thailand, and Singapore to compete first level at their country's level.
13:13And then, they will compete as the champions of each country. So, we have done that for quite a number of years.
13:19But under the AIC's brand name, or ASEAN Investment Challenge, this is the third year.
13:26And I'm happy to say that for the past two years, the champions of ASEAN has been Malaysians.
13:32Oh, yeah?
13:33Yes. So, this is from, you know, a local universities here.
13:37They competed at Malaysia level, and they won. You know, the person won.
13:42And then, they competed at the ASEAN level, with all these countries.
13:47And the past two winners are Malaysians. So, I'm very happy. So, I think we are doing the right thing.
13:52Here in Malaysia, you know, working with them. Those who are in the finalists, we also mentor them.
13:58So, my team mentor them. I had sessions with them as well. You know, so it's not just at low level.
14:04At low level, at every level, we work with them. Our research also play a role. Our retail side as well.
14:09And they have, it's not just about, you know, we give them, it's a virtual money, right?
14:14Like, say, 100,000 or something. It's not just about making the most profit. It's not just about that.
14:19Because at the final level, right? They have to present their case. They have to really, you know, come up with their own slides and their own materials.
14:27And then, the judges are, you know, from overseas. They have some from Hong Kong as well. We flew them in.
14:34So, you know, it's a very open and then, you know, everyone was competing for it. And a very good price money, I must say.
14:42Yeah, yeah, yeah. For the students. For the winners, yeah.
14:46Let's talk about that and how does it translate to your wider audience and your wider target segment in terms of your customers?
14:55I mean, webinars is an idea. And of course, other simplified research reports are also an idea.
15:05But what about your approach towards social media? Do you feel that, you know, TikTok is the way forward or long-form videos on YouTube?
15:15Is that the best way to reach young investors and educate them in investment literacy?
15:23Yeah, definitely. I mean, you know, if I closely to myself, you know, I have young children, you know, between age and 9 to 16.
15:30Yeah, they watch YouTube quite a lot. Not much on TikTok. I guess it's somehow or whatever it is.
15:37But yeah, TikTok, social media in general, is a place for us to be in and for us to promote it.
15:43Because we feel the numbers of hours that spend by them, right, on daily basis or on a weekly basis is quite high.
15:50So yeah, that's very much the place where we need to be in. I don't know about, you know, we can come up with something on Roblox probably in future.
15:56Yeah, gamification.
15:57Yeah.
15:58Okay, let's circle back to fractional trading. Do you see fractional trading having any benefit to these kind of investors?
16:05Considering that they trade in such small quantities and while this is, you know, trying to teach them temperament in terms of how to invest,
16:16it might also not grow their objectives in terms of investment targets.
16:22So how do you marry that kind of idea where there is an investment target that they want to achieve versus that small amount of fractional trading?
16:30You know, where we start in this fractional is just for them to be introduced to the investment world, especially on the equity side, right?
16:38As when, you know, they want to invest on the bigger side, say they start working, you know, see, we take a uni student, for example, right?
16:45They start working, you know, they earn some income and say, look, fractional is not for me. I want to, you know, explore further.
16:51We definitely already have all these platforms already. It's just that there's a transition, you know, there's a journey for that, right?
16:57For those who have little amount of money or small amount of money and they just want to test it out, you come to UpApp.
17:03And when you're ready, our team is there. You know, we have our data analytics team who, you know, do our work behind the scene,
17:11understanding the clients and, you know, who to target and everything, the market segment. So, yeah, we will do our part.
17:16And we'll take them along this journey. We know who's who doing what and they're not active, they're not active, but those are active.
17:21And we can see after when, you know, they reach certain level, then we can have that data and approach them directly, right?
17:27As I mentioned, you know, whether there's a social media or, you know, through the information that we have, we can target them.
17:33So, that is the beauty of us having the data analytics behind the scene.
17:37The next few questions is going to involve markets. I want to pick your brain in terms of where the direction is going to be.
17:44Okay.
17:45Considering that since the announcement of the tariff and the announcement of the postponing of the tariff for 90 days,
17:52President Xi Jinping was in town and not just in Malaysia, he came from Vietnam and he left for Cambodia.
17:59And there are some announcements that he might go as far as Africa to visit some trade partners there.
18:06We saw how the market stumbled, the Dow Jones dropped by I don't know how many percent.
18:11And the equities as well, as well as fixed income, both have dropped in tandem.
18:17So, US Treasury is not a safe haven kind of thing anymore.
18:24Is it bottoming out or is this going further?
18:28Okay.
18:29So, I came to the industry some 20 plus years ago, right?
18:32I mean, after the financial crisis, then we had September 11, right?
18:35I mean...
18:36That's your initiation into the pricing world.
18:38Yes, into the market, right?
18:39Mine was 2008, but...
18:40Yeah.
18:41And then we had 2008.
18:42So, there was a gap about, you know, September 11 to 2008, about seven years, right?
18:46And then we had some really pretty good years, right?
18:49Up until 2020.
18:50Yes.
18:51Right?
18:52Market bounce.
18:53It drops again in 2022.
18:54Quite a bad year, right?
18:562022.
18:57And then, you know, market recover, especially last year.
18:59And then we got another hit.
19:00So, you can see the duration, right?
19:03It's just getting shorter and shorter.
19:05So, we can now live in a different world now as compared to before.
19:08So, the frequency, it happened in 2020, 2022, now 2025.
19:13So, I think for investors also, they have to take this into consideration that things are very different now.
19:19So, you're talking about the tarif.
19:21I just, you know, we just had our research, you know, report came out for the second quarter as well as the impacts on this tarif.
19:30So, we did the numbers.
19:32But I'm happy to say that for Malaysia companies, and you know, as I mentioned, we just focus in Bursa, right?
19:36Yes, yes.
19:37Our App App.
19:38Very little impact.
19:39If I'm not mistaken, it's less than 5% for Malaysian companies in terms of our exposure to the global market.
19:45To the global market.
19:46To the global market.
19:47Yeah.
19:48On the tarif of impact on this.
19:49So, it's very minimal.
19:50We still have a lot of good companies that have good.
19:53We can take gloves for example.
19:55The Chinese one is going to have a bit more impact.
19:58And where the gloves are going to come from?
20:00Malaysia.
20:01I mean, this is going to be more expensive for the US market for sure.
20:04But, you know, if it's an aging population, the health care needs the gloves.
20:08They need the gloves.
20:09No matter what's the price, right?
20:10Yeah.
20:11The insurance may be going to be higher there.
20:12Yeah.
20:13But...
20:14For an export market.
20:15Yeah.
20:16I mean, for them importing, the gloves will be more expensive.
20:17But, they still need the gloves.
20:18This is a necessity.
20:19This is not a luxury item.
20:21Yeah.
20:22Where they can opt not to buy.
20:23So, they have no option.
20:24It's just that buying Malaysia gloves is going to be a better option.
20:27Yeah.
20:28And this is just one of the many kind of commodities.
20:29Exactly.
20:30And other trades that are currently happening.
20:32Yeah.
20:33So, for Malaysia, we're fine.
20:34I mean, you can see, you know, the President J.J. Peng...
20:36What about the semiconductor business?
20:38Of course, it's going to impact.
20:39Of course, Texas is going to have a bigger impact.
20:42But, it's still the same.
20:43I mean, you know, we've been in this environment for a long time and looking at, you know,
20:48if the U.S. charge this, there's definitely going to be an impact to the tech side, right?
20:53But then, you look at what Malaysia compared to other markets, ours is still bearable
20:59and they still have to import something.
21:01So, if the demand is low, then definitely there's going to be impact on the tech side in Malaysia for sure.
21:05But, they still have to get it from somewhere and getting it from Malaysia will be probably the cheaper cost than other markets.
21:11Yeah, of course.
21:12Yeah.
21:13And then, because of this, what's your advice to investors when they read the news and they see all red on their screen?
21:19Okay.
21:20What's your comment?
21:21Yeah.
21:22This is something that I always tell people.
21:24You know, when you see, you know, all these sales or discount on Shopee or Amazon, you'll be happy, right?
21:33But when you see the rates in the market and it's minus 10% of Apple price, I'm talking about say with the global market,
21:41or even from Malaysia stock, investors just run away, right?
21:45To me, you know, because I've been trained with no more of a mid to long term investment.
21:49Buy the dip, of course, you have also the same thing, don't catch the falling knife.
21:54Yes.
21:55Yeah.
21:56So, you just have to monitor it.
21:57And there will come a level where, you know, it has gone low enough that, look, if you buy today
22:02and you're going to, you know, dollar cost averaging for the next 5 to 10 years, I don't think it's a problem.
22:07Speaking about which, for long term investors.
22:09Yeah.
22:10So, I was asking my daughter, she's 18, I'm asking her, do you even know what, have you heard the term dollar cost average?
22:16And she's, she said, yeah, she has.
22:18And I was asking her to describe it to me and I'm like, so where did you get this information from?
22:22You know, and we were driving, it was a high dryer, you know, so it's like eight hours of drive, right?
22:26Yeah.
22:27And she said that, you know, she got these, these kind of tips from, from TikTok and, and there are some influences doing this.
22:36So, they're not necessarily all, you know, financially illiterate.
22:42It's just that, but then she goes off a bit of a tangent.
22:46She's thinking, you know, of short term investing rather than having a long term view.
22:51So, you know, I mean, hit and miss lah.
22:53But generally speaking, do you feel that that kind of perception towards investing still needs to be recalibrated even for those that might be a little bit familiar with this kind of scene?
23:05I'm pretty sure that, you know, different people have different views on how, you know, they feel like, oh, you know, some of us made some really good money during the whole pandemic time.
23:14Because, you know, how the stock, the stock reacted.
23:17I did.
23:18Yeah.
23:19Yeah.
23:20Some of us did.
23:21So, I guess it's about telling them, look, there are short term gains that you can make for sure, you know, swing trading and all those things, right?
23:26But at the same time, we have to remind everyone that, look at, you know, the best investors in the world.
23:33It's still a long term game, you know, that you need to make sure that, you know, the money is there, that you need to start young, you need to start early, even at a small amount.
23:42So, I think there's need to be a balance on that, you know?
23:44You know, yeah, some of it, you know, when it's, the price shot up, you know, say 30%, 40%, you want to take profit on it for sure.
23:52You don't want to, you know, it's going to go forever and ever, right?
23:54You take a profit and then, you know, take a view.
23:56So, whatever it is, I think the most important thing is that what we want to teach is that there's always risk into it.
24:02And then there's always, you know, app like hours, you know, with all the information there for you to continuous learning, you know, that there's, you know, short term gains,
24:13there's long term gains to make and it's a process, right, that you just have to learn.
24:17Sometimes you make mistakes, you know, you learn from your mistakes as well, so that's fine.
24:20But with app app, I just want to say, you can make mistakes, but the amount of mistakes or the, you know, the magnitude, it can be small.
24:28And you can learn easier rather than, you know, invest in a big amount and you lose in a big way.
24:33So, that's the approach then, just to wrap up this conversation, app app allows you to win small but also lose small.
24:42And it aims towards guiding you to be a better investor, especially in equities.
24:49And do you feel that the graduation period comes after you've figured out how you can approach the equities market?
24:56Do you feel that there's a time limit that you impose internally for your own customers?
25:01Maybe six months, we can move them up to the bigger trading app?
25:04More than that, I think it's more than that. We want to work with them. Say for example, our target is, it's not only university students, right?
25:11It could be some people who do not go to university straight into working life.
25:15Or even professionals that, you know, but not in finance, right?
25:19Yes, correct, yeah.
25:20Lawyers, doctors, yeah, yeah, yeah.
25:22They're afraid, right?
25:23You know, like, they don't know.
25:24I'm not familiar with this, but with app app, it allows them, right?
25:28To, okay, I start with 15 ringgit. There's nothing wrong with that. I start with 100 ringgit.
25:32Even if they lose, at 100 ringgit, if they lose 20%, right? It's just 20 ringgit, which I think it's bearable, right?
25:40And as compared to, so yeah, I mean, it goes for anyone, as long as, you know, they're beginners, whether they're young or not so young, whether they have money or do not have money,
25:47but it allows them to do that. And then, as you say, you know, slowly or gradually, you know, we're thinking like, probably, even if it takes them one to two years, we can wait.
25:57We can wait, we have time, you know, we were in-in for the long game. That's why I say, this app app is more of our, also play our social responsibility towards a wider group.
26:06And at the same time, we already have other platforms ready for them when they are ready to step up their game.
26:15So it is there, it's just that, we need, that's why we come up with the app app is to, for them to start, you know, in a small amount.
26:23That's great. Any financial, any last minute advice or final advice?
26:29Oh, for sure, I mean, you know, to promote, please look at the app app and download it, it's user-friendly.
26:35And again, you can start with as low as 1 ringgit to invest with Zero Brokerage.
26:40There you go, that was Kari Charin, the EWT CEO of CGS Malaysia. You can download the app app on the App Store as well as Google Play.
26:48Just search for up CGS or up live up invest up. Basically up lah.
26:54M-Y. M-Y. Oh yes, M-Y. Yeah, no please miss it.
26:58Also, if you've missed any part of this show, just head on to Estrawani, look for the economy with my name on it.
27:04Or you can search for CGS there as well. We are weekly, only on Estrawani. Catch you in the next one.
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