21st February 2025 - 7 min read
The Year of the Snake is here, and what better way to begin the new year than by building a foundation for your financial future? If you’ve ever thought about growing your angpau money or your children’s, consider investing your angpau cash and diversifying your investments this year instead of letting it sit idle.
This year’s economic and market trends provide exciting opportunities for investors. The equity market benefits from a constructive backdrop, with improving economic conditions, corporate earnings growth, and strong balance sheets creating a favourable environment.
Here are some key investment opportunities you could look out for:
• The US economy is expected to grow at a trend-like pace, driven by AI-related investments and a strong labour market.
• In Asia, equities remain promising, supported by technological advancements and supply chain shifts, with Southeast Asia poised to benefit. Closer to home, Malaysia is having the key initiatives like the New Industrial Master Plan, the National Energy Transition Roadmap, and the Johor-Singapore Special Economic Zone lay the foundation for long-term growth.
Meanwhile, the fixed-income market presents both opportunities and challenges. Heightened uncertainty surrounding efforts by the Federal Open Market Committee (FOMC) to lower policy rates persists, compounded by resurging inflation expectations and economic resilience. However, elevated starting yield levels provide excellent entry points for fixed-income investors. By extending investment duration now, you may benefit from potential rate declines later in the year.
Whether you’re just starting or exploring new possibilities, 2025 could be a great time to take the first step and explore how investing can grow your wealth over time.
GOFinance-Principal, a seamless investment platform conveniently available within Touch ‘n Go eWallet, is designed to empower you with access to exciting investment opportunities while diversifying your investment—all in one place. Ideal for new and experienced investors, the platform is backed by Principal, a global leader in asset management with over 140 years of expertise.
The GOFinance-Principal platform is designed to make investing easy and accessible for everyone:
Mutual funds, or unit trusts, offer a practical approach to diversifying your investments. By spreading your investments across various options such as stocks, bonds, and real estate, mutual funds help reduce the risks of investing in a single asset. Over time, the power of compound interest can significantly grow your wealth, making mutual funds an attractive option for long-term financial planning.
Take a look at the table below and start researching for your long-term financial planning journey:
| Market Exposure | Fund | Since Inception Performance* | Highlights |
| Malaysia | Principal Malaysia Titans Fund | 15.26% | Top holdings include: • CIMB • Malayan Banking • Public Bank |
| Regional | Principal Asia Pacific Dynamic Mixed Asset Fund | 6.52% | Top holdings include: • Taiwan Semiconductor Manufacturing • Hitachi • Tencent Holdings |
| Global | Principal Global Titans Fund | 23.88% | Top holdings include: • Apple • Nvidia • Microsoft |
| Global | Principal DALI Global Equity Fund | 13.28% | Top holdings include: • Microsoft • Tesla • Exxon Mobil |
*Performance as of 30 November 2024. Past performance is not an indication of future performance.
Start your wealth-building journey today with the GOFinance-Principal and earn up to 8.88% p.a. reward* of your investment amount. Just invest from RM500 in any of the 20 global and regional conventional or Islamic funds, and use the promo code “PROSPERITY” during your investment to unlock rewards based on the tier below:
| Entitled User’s Net Cash Flow Amount (RM) | Bonus Rate Entitled |
| RM500-RM10,000 | Additional 6.88% p.a. |
| RM10,001 and above | Additional 8.88% p.a. |
Learn more about the promotion here: https://visit.tngdigital.com.my/principal_cny_h5-web_ringgitplus
Harness the transformative power of the Wood Snake and make 2025 your year of financial growth.
Follow these simple steps to start your investment journey:
Keep in mind that investments carry risks, so be sure to read the disclaimer before proceeding.
To learn more about GOFinance-Principal, click here.
This article is brought to you by Principal Asset Management Berhad (“Principal Malaysia”).
Disclaimer: This is an advertisement. The information provided herein is not intended for general circulation but for discussion purposes only. It does not take into account the specific investment objectives, financial situations or particular needs of any particular person. This does not constitute an offer, solicitation or recommendation to buy or sell or subscribe for any security or financial instrument or to enter into any transaction or to participate in any particular trading or investment strategy. Information contained herein should not be relied upon when making investment decisions. You should seek independent legal or tax advice before making any investment decisions. Investments are subject to investment risks, including the possible loss of the principal amount invested. Value of the investments and the income, if any, may fall or rise. No representation or warranty whatsoever (including without limitation any representation or warranty as to accuracy, usefulness, adequacy, timeliness or completeness) in respect of any information (including without limitation any statement, figures, opinion, view or estimate) provided herein is given by Principal Asset Management Berhad (“Principal Malaysia”) and it should not be relied upon as such.
Principal Malaysia does not undertake an obligation to update the information or to correct any inaccuracy that may become apparent at a later time. Principal Malaysia shall not be responsible or liable for any loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person acting on any information provided herein. The information provided herein may contain projections or other forward-looking statements regarding future events or future performance of countries, assets, markets or companies. Actual events or results may differ materially. Past performance figures are not necessarily indicative of future or likely performance. The information provided herein is based on certain assumptions, information and conditions available as at the date of this advertisement and may be subject to change at any time without notice. Any reference to any specific company, financial product or asset class in whatever way is used for illustrative purposes only and does not constitute a recommendation on the same. Principal Malaysia does not guarantee that all risks associated to the transactions mentioned herein have been identified, nor does it provide advice as to whether you should enter into any such transaction. The contents hereof may not be reproduced or disseminated in whole or in part without Principal Malaysia’s written consent. The distribution of this advertisement may be restricted in certain other jurisdictions. The above information is for general guidance only and it is the responsibility of any persons in possession of this advertisement to observe all applicable laws and regulations of any relevant jurisdictions.
This advertisement has not been reviewed by the Securities Commission Malaysia.
For more information, please visit https://www.principal.com.my/ .
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