Investments that's better than FD

Below are some of the companies/apps that I personally use to diversify my investment porfolio. Most have low barriers to entry, meaning you can literally invest any amount to start.

1. Funding Societies: One of South East Asia's premier Peer to Peer (P2P) platform that's registered with the Malaysia's Securities Commission. It's basically a platform where SME's use to get people like you and me to loan some money (up to 3 years) for their business. It's a form of crowdfunding from the people. As of writting, I'm getting north of 12%+ P.A since investing for over a year now. Sign up here using my referral and we both get RM30.

2. Fundaztic: Started and scaled in Malaysia for Malaysia, similar concept to Funding Societies, Fundaztic is one of the earliest P2P platforms in Malaysia. They're also registered with Malaysia's Securities Commission so you can rest assured that they are bound to be in business. Result wise, it's similar to Funding Societies but the industry that you get here are more varied. Sign up here with my referral for more goodies.

3. Stashaway: If you've heard about roboadvisers, congrats! If you haven't, you're in luck. This is by far one of the best investments platforms that has come my way. Not so much in the returns and risk but on the simplicity of investing. Stashaway is a platform that's supported by AI to do the investing on your behalf, based on the risk that you choose. They mainly invest into ETFs, bonds and gold hence the risk is lower and since this platform is purely online, it also has really low management fees (0.2-0.8%). It's also backed by the SC. Sign up using my referral and get your account managed for free for 6 months.