KIB Nizam Abdul Rani

10/03/2026

📉 Market down. Fear everywhere.

The stock market is slightly down and people is in “Extreme Fear.”

This is where many people make the biggest mistake:
They panic and sell when prices are low.

But remember the basic rule of investing:
👉 Buy Low. Sell High.

When fear is high, prices are usually cheaper.
When everyone feels confident again, prices are usually higher.

Unfortunately, many people do the opposite:
❌ Sell when the market drops
❌ Buy when the market is already expensive

Smart investors try to do the reverse:
✔ Stay calm during fear
✔ Look for opportunities when prices are low

Fear creates opportunity. Panic destroys wealth.

Invest with discipline, not emotion. 📊

01/03/2026

01/03/2026

01/01/2026

EPF New Changes Starting 1 January 2026

1. Hajj withdrawal increased : You can now withdraw up to RM10,000 (previously RM3,000) for Hajj. No need to verify Tabung Haji balance anymore.

2. More support for gig workers : E-hailing and p-hailing drivers can enjoy higher government contributions under i-Saraan Plus (up to RM600 a year).

3. i-Suri age limit extended : Housewives can now contribute and receive incentives until age 60 (previously 55).

4. New retirement savings targets introduced

EPF now sets 3 benchmarks:
• Basic: RM390,000
• Adequate: RM650,000
• Enhanced: RM1.3 million

5. Easier to withdraw excess savings : If your EPF savings exceed RM1 million, you can withdraw the extra amount more easily.

6. More flexibility to top up EPF : New options like i-Simpan and i-Topup allow voluntary and extra contributions.

https://www.thestar.com.my/news/nation/2026/01/01/new-epf-policy-changes-will-take-effect-from-today?utm_medium=colorwall&utm_source=facebook&fbclid=IwZnRzaAPCn-NleHRuA2FlbQIxMQBzcnRjBmFwcF9pZAo2NjI4NTY4Mzc5AAEen6fwSoWPplncMRqm8saEHzDEWRI4OoBgxIXoeaHqnA9PMEpML30hpuM51n8_aem_p2oMyGLUQDinHEiUt5Stpw

01/01/2026

Happy New Year 2026!

As we step into a brand new year, I would like to sincerely thank you for your trust and continued support. May 2026 bring you good health, happiness and greater financial growth.

I look forward to continuing this journey together, building stronger portfolios, seizing new opportunities and achieving your financial goals with confidence.

Wishing you and your loved ones a prosperous and fulfilling year ahead.

25/12/2025

As the year comes to a close, Christmas reminds us to pause, reflect, and cherish the blessings we often take for granted.

Grateful for every lesson, every smile, and every moment shared with loved ones. May this season bring peace, hope, and renewed strength for the year ahead 🎄❤️

17/12/2025

📊 FBM KLCI Dijangka Capai Paras Tertinggi Baharu Pada 2026

Penganalisis menjangkakan pasaran saham Malaysia (FBM KLCI) berpotensi mencatat paras lebih baik pada 2026, disokong oleh pertumbuhan ekonomi yang stabil dan sokongan kukuh pelabur tempatan.

Walaupun kenaikan dijangka berperingkat dan bukan mendadak, saham-saham besar (large-cap) dan sektor defensif seperti utiliti, kewangan dan pengguna asas dijangka lebih stabil dalam persekitaran ini.

📌 Untuk para pelabur, strategi yang sesuai adalah:
• Fokus kepada dana berisiko sederhana / balanced
• Asset Allocation (bukan masuk sekali gus)
• Keutamaan kepada kestabilan & aliran jangka sederhana

👉 Ini lebih kepada peluang untuk melindungi nilai capital dengan pertumbuhan perlahan tetapi consistent.

https://ceomorningbrief.theedgemalaysia.com/pdf/2025/20251216_CMB_1074/251216l7zz09.pdf?utm_source=&utm_medium=&utm_campaign=&utm_term=&utm_content=

16/11/2025

Ringkasan Artikel
👉 KWSP (EPF) tingkatkan had pengeluaran “excess savings”

• Mulai 2026, ahli KWSP boleh keluarkan simpanan lebihan jika baki melebihi RM 1.1 juta, berbanding had sedia ada RM 1 juta.

• Had ini akan dinaikkan secara berperingkat:
✅ 2026 → RM 1.1 juta
✅ 2027 → RM 1.2 juta
✅ 2028 → RM 1.3 juta

• Langkah ini untuk beri fleksibiliti lebih kepada ahli, sambil memastikan masih ada simpanan cukup untuk persaraan kerana kos hidup yang semakin tinggi dan jangka hayat makin panjang.

👉 Rentang Kerangka Pendapatan Persaraan (Retirement Income Adequacy, RIA)

• KWSP guna kerangka “3-tier RIA” untuk sasaran simpanan persaraan.

• Sasaran simpanan mengikut umur 60 akan dinaik secara berperingkat:
• 2026 → RM 290,000
• 2027 → RM 340,000
• 2028 → RM 390,000

• Ini bermaksud KWSP mahu pastikan ahli mempunyai tahap simpanan “basic” yang lebih besar supaya persaraan lebih selamat.

👉 Ramai warga bekerja mungkin tidak sedar bahawa mereka boleh “gandakan” simpanan KWSP mereka melalui unit trust.

Bagaimana Gandakan Simpanan KWSP Melalui Unit Trust

1. Gunakan Skim Pelaburan Ahli KWSP (MIS / Member Investment Scheme)

• KWSP ada program MIS yang membolehkan ahli alihkan sebahagian dari Akaun Persaraan ke dalam dana unit trust yang diluluskan.

• Bagi ahli di bawah 55 tahun, mereka boleh alihkan sehingga 30% daripada jumlah lebihan (lebih daripada “Basic Savings”) ke unit trust.

• Minimum pelaburan adalah RM 1,000 dan transfer boleh dibuat setiap 3 bulan mengikut jumlah yang layak.

Nak tahu macam mana? Saya boleh semak kelayakan anda dan terangkan proses EPF-MIS dengan lebih lanjut ✅

KUALA LUMPUR, Sept 226 — The Employees Provident Fund (EPF) will increase the withdrawal threshold for members with excess savings from 2026, allowing them greater flexibility in...

17/10/2025

Stay safe and stay smart!

Protect your financial future by staying vigilant against investment scams.

1. Never transfer money to accounts that seem unrelated to the investment, and always double-check the recipient’s details before making any moves.

2. Be cautious of people who refuse to reveal their identity.

3. Watch out for those promising guaranteed high returns with little or no risk, as all real investments carry some level of uncertainty.

4. If you receive unsolicited messages from unknown individuals offering quick profits or exclusive deals, don’t reply, delete them immediately, block the sender, and report it to the authorities.

Let’s work together to keep our hard-earned money secure! 💡

25/09/2025

Markets rise and fall, headlines spark fear, and uncertainty never goes away.

📉 But the truth is, those who stay disciplined, stick to their plan, and think long-term are the ones who win.

📈 Don’t let panic decide your future. Build your plan, trust the process, and let time do the heavy lifting.

31/08/2025

Selamat Menyambut Hari Kemerdekaan Malaysia ke-68! Semoga semangat perpaduan, keamanan dan kemakmuran terus subur dalam diri setiap rakyat Malaysia. Mari kita bersama menjaga warisan kemerdekaan ini untuk generasi akan datang. 🇲🇾

28/08/2025

• S&P 500 Hits a Record Close
On August 27, 2025, the S&P 500 closed at a record high, buoyed by expectations of a Federal Reserve interest rate cut in September and continued confidence in Nvidia’s earnings momentum.

• Market Drivers and Shifts
Gains were broad-based, especially in energy and healthcare sectors, while small-cap stocks like the Russell 2000 marked new annual highs—indicative of a rotation away from traditional tech/growth stocks. 

• Political Risk to Fed Independence
The article raises concerns about politicizing monetary policy, noting President Trump’s attempts to fire Fed Governor Lisa Cook. Historical parallels are drawn with countries like Turkey, Argentina, India, Japan, and the U.S. in the 1970s where such interference led to instability and economic issues.

• Investor Focus on Nvidia & AI
Nvidia, despite a slight dip pre-earnings, looms large—accounting for around 8% of the S&P 500. Its earnings results are seen as critical in setting the tone for markets, particularly the AI-driven rally.

The S&P 500 notched a record high close on Wednesday ahead of quarterly results from Nvidia, Wall Street's most closely watched event this week, which will test the rally that has pushed valuations of AI-related companies to levels that some investors view as too high.