Raiz Malaysia Review: Should you invest your hard-earned money?

Stop what you are doing and read this Raiz Malaysia review before you invest your hard-earned money.

With the bad economic situation that hits us real bad at the moment, everyone is taking extra cautions when dealing with money. But there are people taking this opportunity to grow their money.

So do I. I am one of them, almost everyday looking for opportunity to increase my savings. To cut it short, I found an investment app called Raiz Malaysia.

Raiz Malaysia review from a real investor

Most people when they found an opportunity especially a way of making money online, they are a bit skeptical. Of course, it is due to so many scams out there in the internet.

This could be a very good content for me and for my readers as this Raiz Malaysia review will shed some lights and ultimately brings decision whether to invest or not. 

Who or What is Raiz Malaysia Investment App?

raiz malaysia

Raiz Malaysia is a partnership between Raiz Malaysia Sdn Bhd, Raiz Invest Australia Limited and Jewel Digital Ventures Sdn Bhd. To my knowledge, Raiz is actually an investment platform from Australia. 

One of the reasons that made me willing to try this is that, when I found out that Jewel Digital Ventures is a subsidiary of Permodalan Nasional Berhad (PNB). Who doesn’t know PNB? 

What is the application Modus Operandi?

If you happened to bump into one of it’s advertisement, you are told to invest the spare change when you spend your money. Takes for an example, if you make a purchase of RM1.60, the app will fetch RM0.40 to be invested.

So, how the app does that?

Of course you have to install the Raiz Malaysia application on your phone and create a free account. From the application, you will need to pair or connect the bank card that you use to make any purchase. At the moment, they are only accepting Maybank and no credit card.

Withdrawal account will be using the same bank account as the spending and depositing. 

During the registration process, you will need to upload your front and back of your identity card photos for identity verification. Some might be uncomfortable with this. I’ll take my risk. I think it’s the current way to prove you that it’s really you and not some bogus out there. They need to protect themselves too.

Raiz Malaysia Investment Portfolios


They offer three types of investment portfolios which are:

  1. Conservative – ASN Equity 3 Fund (20%) + ASN Sara 1 Fund (80%)
  2. Moderate – ASN Imbang 2 Fund (100%)
  3. Aggresive – ASN Equity 3 Fund (80%) + ASN Sara 1 Fund (20%)

Again, during the registration process, the app will guide you through your current economy situation. Can I say your credit score? Maybe? This is to determine which investment portfolio is suitable for you based on your economy strength.

If you look at my very limited knowledge on investment, I can say that Conservative is the safest portfolio but you will not make more return on market investment compared to the other two. On the other hand, Aggressive is the most profitable but be mindful you will lose more if it doens’t favor.

Not to worry, as you can change the portfolio anytime you want.

Is the Investment Platform Legit?

I do think that this is the question that most people are waiting for. To write an unbiased Raiz Malaysia review, I must include the funds or money withdrawal part. If they do not transfer money to my withdrawal account, then, you got your answer.

Let’s check out my real experience. I deposited the amount of money that I am willing to lose if they are a scammer. It’s RM100. So, I let the money in for about a couple of days. Not sure whether this is enough for you or not. I got the chance to see some market returns. That’s good.

Requested RM50 to be withdrawn, I was notified that I need to wait for a maximum of four working days for the money to be appeared in my bank account. 

After waited for about three working days, I checked my Maybank account and I saw the transaction. Check out the screen capture below.

raiz malaysia review - withdrawal account

At the point of this time, I know that they are legit and I am pretty sure that this clear your mind and perhaps you want to try it yourself. I recommend you to try small first and when you feel comfortable along the way, you can make Raiz Malaysia as one of your preferred investment platforms. 

Ready to register and Invest? Click here to download the application. If you feel that this review has helped you to make your decision, please use this promo code in order to receive RM5.00 bonus during your registration:


Install Application


What do you think? Is it too early to say that Raiz Malaysia is worth the time? It depends on so many variables. So do the other investment platforms out there. I can’t stress this enough but, invest the money that you are willing to lose only. It maybe looks good at the beginning, but be prepared when things are starting to go off the track.


With more than 10 years of working experiences, I find myself to be a dynamic person who adapts to the changes of working environment. Even though I am multitasking, I do not consider myself as an expert in the niche of what I do. Nevertheless, I believe I have a fair amount of knowledge that many people might find very useful.

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