{"id":40742,"date":"2019-10-15T13:38:09","date_gmt":"2019-10-15T05:38:09","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=40742"},"modified":"2019-10-15T13:38:09","modified_gmt":"2019-10-15T05:38:09","slug":"empowering-money-moves","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/empowering-money-moves","title":{"rendered":"6 Things We Learnt From Financial Experts In Principal\u2019s Investing Seminar"},"content":{"rendered":"<p>iMoney was recently invited to an investment seminar that was organised by <a href=\"https:\/\/www.principal.com.my\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Principal<\/a>, a global asset management firm.<\/p>\n<p>In the seminar, experts, guest speakers and panellists came together to share insights on empowering one\u2019s self with knowledge and skills to improve financial confidence, share insights on building and preserving wealth, and roundup of market conditions and outlook.<\/p>\n<p>The following panelists and speakers were part of the seminar:<\/p>\n<ul>\n<li><strong>Mitul Lakhani<\/strong>, our very own CEO of iMoney<\/li>\n<li><strong>Julian Ng<\/strong>, CEO &amp; Co-Founder of Akru and blogger of <a href=\"http:\/\/verylongrun.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">verylongrun.com<\/a><\/li>\n<li><strong>Suraya Zainudin<\/strong>, Personal Finance Blogger at <a href=\"https:\/\/ringgitohringgit.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">ringgitohringgit.com<\/a><\/li>\n<li><strong>Nor Akmar Yaakub<\/strong>, Head of Financial Education Department of <a href=\"https:\/\/www.akpk.org.my\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Agensi Kaunseling &amp; Pengurusan Kredit<\/a> (AKPK)<\/li>\n<li><strong>Robitahani Zainal<\/strong>, Principal Investor<\/li>\n<li><strong>Linnet Lee<\/strong>, CEO of <a href=\"https:\/\/www.fpam.org.my\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Financial Planning Association Malaysia<\/a><\/li>\n<li><strong>Joyce Chuah<\/strong>, CEO of <a href=\"https:\/\/www.successconcepts.biz\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Success Concepts<\/a> Life Planners &amp; Licensed Financial Planner<\/li>\n<li><strong>Daniel Wong Piik Zchen<\/strong>, Deputy Manager of Quantitative &amp; Performance Analysis Department of <a href=\"https:\/\/www.kwsp.gov.my\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Employee Provident Fund Malaysia<\/a> (EPF)<\/li>\n<li><strong>Patrick Chang<\/strong>, Chief Investment Officer, Malaysia &amp; Equity ASEAN Principal Asset Management<\/li>\n<\/ul>\n<p>Here are six things we learned from them:<\/p>\n<h2><span class=\"ez-toc-section\" id=\"1-Nurture-financial-literacy-in-your-children\"><\/span><strong>1. Nurture financial literacy in your children<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The panellists stressed on the importance on building good financial habits in children, even from a young age.<\/p>\n<p>Lakhani shared his method of teaching his children the power of saving: \u201cI told my kids, what I\u2019m going to offer you is, every month you\u2019re going to get pocket money. Whatever you save at the end of the year\u2026I\u2019m going to double it.\u201d<\/p>\n<p>Robitahani also shared that she teaches her children the concept of an emergency fund with their pocket money, in hopes that they will carry these values into adulthood.<\/p>\n<p>On the other hand, Lee taught her daughter the value of money by \u2018employing\u2019 her during school holidays \u2013 that is, paying market rate for data entry and filing services.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"2-Take-the-first-step\"><\/span><strong>2. Take the first step<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Delving into the world of personal finance can be overwhelming. If you don\u2019t know where to start at all, here\u2019s what you can do.<\/p>\n<p>Set aside part of your income as savings. \u201cTake your income \u2013 the first paycheque that you get \u2013 set a rule and say, I\u2019m going to set aside 10%, 20% or 30% of this, and start with a simple savings or fixed deposit account,\u201d said Lakhani.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"3-Know-your-risk-profile\"><\/span><strong>3. Know your risk profile<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Facing analysis paralysis? There are a lot of financial instruments and asset management firms in the market \u2013 what should you invest in?<\/p>\n<p>Before you start investing, you should be aware of how much risk you are able to take on. According to Lee, taking a psychometric test (such as those provided by <a href=\"https:\/\/www.riskprofiling.com\/Get-Started\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">FinaMetrica<\/a>) to determine your risk profile can be useful. But if you can\u2019t afford paid services or tools, there are a lot of free resources online you can use \u2013 just make sure you go to reliable sources.<\/p>\n<p>From there, you can think about how you\u2019d like to allocate your investments.<\/p>\n<p>For example, Nor Akmar cautions that if you get too emotionally attached to movements in the market, don\u2019t invest in equities. Instead, keep your money in EPF or allocate some in a fixed deposit, said Chuah.<\/p>\n<p>However, Chuah also notes that investors should get used to taking on higher risk \u2013 albeit slowly.<\/p>\n<p>Lakhani offers some advice for those looking to build their risk appetite: as you save more money, you\u2019ll build a war chest of savings. Over time, your risk appetite will increase, because you\u2019ll have a capital buffer to fall back on. Then, you can start investing in riskier products to get higher returns.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"4-Do-what-is-practical\"><\/span><strong>4. Do what is practical<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you\u2019re still struggling with starting your investment journey, Suraya offers a piece of advice. \u201cFirst, I do what\u2019s practical,\u201d she said. This includes contributing to EPF and to Private Retirement Scheme (PRS) for the tax benefits.<\/p>\n<p>Likewise, Wong points out that if you\u2019re facing analysis paralysis, a practical thing you could do is to make <a href=\"https:\/\/www.kwsp.gov.my\/member\/contribution\/self-contribution\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">additional contributions<\/a> to your EPF account. You can contribute any amount, as long as it doesn\u2019t exceed RM60,000 a year. Later, if you decide to invest in unit trust funds, you can direct your existing EPF savings into them.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"5-Consider-the-opportunity-cost-of-buying-a-car\"><\/span><strong>5. Consider the opportunity cost of buying a car<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Say you have RM60,000. You\u2019d like to buy a car. Should you take out a loan, pay the down payment and invest the rest of your money\u2026or should you buy the car in cash?<\/p>\n<p>Ng proposes an alternative to those intending to buy a car: don\u2019t buy one at all.<\/p>\n<p>While he noted that some families may require a car due to certain circumstances, he said, \u201cToday, more than any other time in our lives, the transportation solutions are so varied, flexible and convenient. You can take the LRT, MRT or ride-sharing.\u201d<\/p>\n<p>He explained that if you put the money you would have spent on the car into a <a href=\"https:\/\/www.imoney.my\/articles\/beginners-guide-robo-advisor\" target=\"_blank\" rel=\"noopener noreferrer\">robo-advisor<\/a>, you could set it up so that it remits money to you on a monthly basis. You could use this monthly remittance to cover your transportation costs (MRT, ride-sharing, etc.), and at the same time you would be able to grow your investment via the robo-advisor platform.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"6-Start-as-early-as-you-can\"><\/span><strong>6. Start as early as you can<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>According to Chang, it\u2019s best to start investing as early as you can.<\/p>\n<p>He gives an example: imagine a 25-year-old who has just graduated. He invests RM100 a month for the next 30 years until he retires. Compare this against someone who invests the same amount, but only starts investing at 40 years old, and does so for the next 15 years.<\/p>\n<p>After 30 years, the person who started at 25 years old would have around RM127,000, assuming a 6% to 7% annual return. But the person who started investing at 40 years old will only have a third of that.<\/p>\n<p>The more time you give your investments to grow, the more wealth you\u2019ll accumulate in the long term \u2013 that\u2019s the power of early investing.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Keep-learning\"><\/span><strong>Keep learning<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Whether you\u2019re just starting out, or you\u2019re somewhere in the middle of your personal finance journey, the key is to keep learning. Visit <a href=\"https:\/\/www.imoney.my\/articles\/\" target=\"_blank\" rel=\"noopener noreferrer\">our archives<\/a> for more personal finance tips and tricks!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>New to personal finance? Here are six tips from financial experts to get you started.  <\/p>\n","protected":false},"author":1,"featured_media":40746,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1,218],"tags":[219],"class_list":["post-40742","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment","category-money-management","tag-bi"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Financial Experts Share 6 Empowering Money Moves<\/title>\n<meta name=\"description\" content=\"Feeling stuck in your personal finance journey? These Malaysian financial experts share a few tips that could help you get back on track.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imoney.my\/articles\/empowering-money-moves\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financial Experts Share 6 Empowering Money Moves\" \/>\n<meta property=\"og:description\" content=\"Feeling stuck in your personal finance journey? These Malaysian financial experts share a few tips that could help you get back on track.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imoney.my\/articles\/empowering-money-moves\" \/>\n<meta property=\"og:site_name\" content=\"iMoney Malaysia\" \/>\n<meta property=\"article:published_time\" content=\"2019-10-15T05:38:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2019\/10\/15133054\/financial-literacy-.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"iMoney Editorial\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"iMoney Editorial\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/empowering-money-moves#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/empowering-money-moves\"},\"author\":{\"name\":\"iMoney Editorial\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/#\\\/schema\\\/person\\\/2dc429bac9840e75ad08ab242c57dcbb\"},\"headline\":\"6 Things We Learnt From Financial Experts In Principal\u2019s Investing Seminar\",\"datePublished\":\"2019-10-15T05:38:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/empowering-money-moves\"},\"wordCount\":1035,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/empowering-money-moves#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/static.imoney.my\\\/articles\\\/wp-content\\\/uploads\\\/2019\\\/10\\\/15133104\\\/financial-literacy.jpg\",\"keywords\":[\"BI\"],\"articleSection\":[\"Investment\",\"Money Management\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.imoney.my\\\/articles\\\/empowering-money-moves#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/empowering-money-moves\",\"url\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/empowering-money-moves\",\"name\":\"Financial Experts Share 6 Empowering Money Moves\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/empowering-money-moves#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/empowering-money-moves#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/static.imoney.my\\\/articles\\\/wp-content\\\/uploads\\\/2019\\\/10\\\/15133104\\\/financial-literacy.jpg\",\"datePublished\":\"2019-10-15T05:38:09+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/#\\\/schema\\\/person\\\/2dc429bac9840e75ad08ab242c57dcbb\"},\"description\":\"Feeling stuck in your personal finance journey? These Malaysian financial experts share a few tips that could help you get back on track.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/empowering-money-moves#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.imoney.my\\\/articles\\\/empowering-money-moves\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/empowering-money-moves#primaryimage\",\"url\":\"https:\\\/\\\/static.imoney.my\\\/articles\\\/wp-content\\\/uploads\\\/2019\\\/10\\\/15133104\\\/financial-literacy.jpg\",\"contentUrl\":\"https:\\\/\\\/static.imoney.my\\\/articles\\\/wp-content\\\/uploads\\\/2019\\\/10\\\/15133104\\\/financial-literacy.jpg\",\"width\":1200,\"height\":628},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/empowering-money-moves#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Money Management\",\"item\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/category\\\/money-management\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"6 Things We Learnt From Financial Experts In Principal\u2019s Investing Seminar\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/#website\",\"url\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/\",\"name\":\"iMoney Malaysia\",\"description\":\"Everything you need to know about improving your personal finances.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/#\\\/schema\\\/person\\\/2dc429bac9840e75ad08ab242c57dcbb\",\"name\":\"iMoney Editorial\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/484677d6814081d0b791a545e2dd7d826425b53411de07415367b72a884f01c8?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/484677d6814081d0b791a545e2dd7d826425b53411de07415367b72a884f01c8?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/484677d6814081d0b791a545e2dd7d826425b53411de07415367b72a884f01c8?s=96&d=mm&r=g\",\"caption\":\"iMoney Editorial\"},\"description\":\"iMoney Editorial Team is composed of 4 writers with wide-ranging interests and areas of expertise. Their primary responsibility is to write financial-related articles to share and educate Malaysians on how to save, make and grow their money.\",\"sameAs\":[\"http:\\\/\\\/www.imoney.my\"],\"url\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/author\\\/chinglee\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Financial Experts Share 6 Empowering Money Moves","description":"Feeling stuck in your personal finance journey? These Malaysian financial experts share a few tips that could help you get back on track.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.imoney.my\/articles\/empowering-money-moves","og_locale":"en_US","og_type":"article","og_title":"Financial Experts Share 6 Empowering Money Moves","og_description":"Feeling stuck in your personal finance journey? These Malaysian financial experts share a few tips that could help you get back on track.","og_url":"https:\/\/www.imoney.my\/articles\/empowering-money-moves","og_site_name":"iMoney Malaysia","article_published_time":"2019-10-15T05:38:09+00:00","og_image":[{"width":1200,"height":628,"url":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2019\/10\/15133054\/financial-literacy-.jpg","type":"image\/jpeg"}],"author":"iMoney Editorial","twitter_card":"summary_large_image","twitter_misc":{"Written by":"iMoney Editorial","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.imoney.my\/articles\/empowering-money-moves#article","isPartOf":{"@id":"https:\/\/www.imoney.my\/articles\/empowering-money-moves"},"author":{"name":"iMoney Editorial","@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb"},"headline":"6 Things We Learnt From Financial Experts In Principal\u2019s Investing Seminar","datePublished":"2019-10-15T05:38:09+00:00","mainEntityOfPage":{"@id":"https:\/\/www.imoney.my\/articles\/empowering-money-moves"},"wordCount":1035,"commentCount":0,"image":{"@id":"https:\/\/www.imoney.my\/articles\/empowering-money-moves#primaryimage"},"thumbnailUrl":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2019\/10\/15133104\/financial-literacy.jpg","keywords":["BI"],"articleSection":["Investment","Money Management"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.imoney.my\/articles\/empowering-money-moves#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.imoney.my\/articles\/empowering-money-moves","url":"https:\/\/www.imoney.my\/articles\/empowering-money-moves","name":"Financial Experts Share 6 Empowering Money Moves","isPartOf":{"@id":"https:\/\/www.imoney.my\/articles\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.imoney.my\/articles\/empowering-money-moves#primaryimage"},"image":{"@id":"https:\/\/www.imoney.my\/articles\/empowering-money-moves#primaryimage"},"thumbnailUrl":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2019\/10\/15133104\/financial-literacy.jpg","datePublished":"2019-10-15T05:38:09+00:00","author":{"@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb"},"description":"Feeling stuck in your personal finance journey? These Malaysian financial experts share a few tips that could help you get back on track.","breadcrumb":{"@id":"https:\/\/www.imoney.my\/articles\/empowering-money-moves#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.imoney.my\/articles\/empowering-money-moves"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.imoney.my\/articles\/empowering-money-moves#primaryimage","url":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2019\/10\/15133104\/financial-literacy.jpg","contentUrl":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2019\/10\/15133104\/financial-literacy.jpg","width":1200,"height":628},{"@type":"BreadcrumbList","@id":"https:\/\/www.imoney.my\/articles\/empowering-money-moves#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.imoney.my\/articles\/"},{"@type":"ListItem","position":2,"name":"Money Management","item":"https:\/\/www.imoney.my\/articles\/category\/money-management"},{"@type":"ListItem","position":3,"name":"6 Things We Learnt From Financial Experts In Principal\u2019s Investing Seminar"}]},{"@type":"WebSite","@id":"https:\/\/www.imoney.my\/articles\/#website","url":"https:\/\/www.imoney.my\/articles\/","name":"iMoney Malaysia","description":"Everything you need to know about improving your personal finances.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.imoney.my\/articles\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb","name":"iMoney Editorial","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/484677d6814081d0b791a545e2dd7d826425b53411de07415367b72a884f01c8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/484677d6814081d0b791a545e2dd7d826425b53411de07415367b72a884f01c8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/484677d6814081d0b791a545e2dd7d826425b53411de07415367b72a884f01c8?s=96&d=mm&r=g","caption":"iMoney Editorial"},"description":"iMoney Editorial Team is composed of 4 writers with wide-ranging interests and areas of expertise. Their primary responsibility is to write financial-related articles to share and educate Malaysians on how to save, make and grow their money.","sameAs":["http:\/\/www.imoney.my"],"url":"https:\/\/www.imoney.my\/articles\/author\/chinglee"}]}},"_links":{"self":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/40742","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/comments?post=40742"}],"version-history":[{"count":6,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/40742\/revisions"}],"predecessor-version":[{"id":40750,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/40742\/revisions\/40750"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/media\/40746"}],"wp:attachment":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/media?parent=40742"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/categories?post=40742"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/tags?post=40742"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}