Investor FAQs

• User clicks on the “New Investor” tab, they will be redirected to a screen where they must choose whether the user wants to register as an Individual or Corporate.
• User to fill up the basic relevant details and register as an Investor
• An email activation will be sent to the user’s registered email.
• Upon activation, user to log in and will be redirected to another screen whereby the user is required to provide additional information to complete the full registration process. A confirmation email will be sent to user upon successful onboarding.
• User can proceed to make deposits.

• User must declare an individual annual income of the below to qualify as an angel investor:
  1. User have at least RM180,000 or above (or foreign equivalent)
  2. User have a net worth of more than RM 3 Million
  3. User and spouse have a joint annual income of RM250,000
• Being an angel Investor, the user is allowed to invest more than RM50,000 on the platform at a given time.
• It is a self-declaration process and hence Moneysave may not require any supporting documents

You can be an Investor as long as you are at least 18 years of age.

We accept investors from anywhere in the world as long as you are above the minimum age, having a registered bank account with Banks in Malaysia and are not a US Tax resident.

No third party transfer of deposits / funds by user is allowed.

• User to click the Balance / Top-Upbutton in the user portal.
• Moneysave only accepts investments via FPX/Payment Gateway and does not accept remittance from any Third Party.
• User to key in the investment amount and this will redirect user to the FPX facility.
• Any deposit / funds by the user would be held in a trust account managed by an independent licensed trustee (Maybank Trustees Berhad). This is to mitigate the risk of your funds being misused or misappropriated. 

• The minimum amount user can invest is RM1 per Investment Note via web portal and RM5 per Investment Note via Mobile apps.
• If you are a Retail Investor, the Securities Commission of Malaysia (SC) highly encourages you to limit your investments to RM50,000 at any period of time.

• User to click request withdrawal button in the user portal.
• User can withdraw any amount (minimum RM1.00) up to the total of your available balance displayed in your account. There may be charges for withdrawals and you can withdraw as many times as you like.
• Any withdrawal request will be processed within 3 business days.

1. User to log in into the account.
2. Proceed to browse investment opportunities in the portal.
3. Click to view factsheet of the various Investment Notes which would provide details of the financial and business information of an Issuer.
4. Input the amount you wish to invest in the various Investment Notes under the “Investment Amount” shopping cart of the respective Note. Click on “Commit Funds / Check Out” to complete your investments. 

User is unable to withdraw any Investment Note once the Investment Note is committed in view that

Any withdrawal would both:

1. 1. disrupt the financing process and delay the funds being disbursed.
   2. Be unfair to other Investors who may have wanted to invest in the same investment opportunity, but missed out because the financing notes was fully funded

• Service Fee is deducted when repayment is paid to the Investors
• Service Fee is not subject to SST.

• User is responsible to pay the applicable tax on your profit earned if you are a Malaysia Tax Resident.
• User may refer to the account statement (which can be generated in the mobile apps) for the tax declaration.
• User may declare the Profit Earned as per following formula:

Profit Earned = (Interest or Profit Earned + Late Interest or Late Profit Earned – Service Fee)

• The repayments shall be distributed back to the Investor’s account within 30 days grace period of receipt of the full payments from the Issuer taking into account the buffer to accommodate bank transaction delays and unforeseen circumstances.
• Moneysave does allow for early full settlement with an early full settlement fee chargeable to the Issuer to compensate for the loss of the remainingprofit on the financing term.
• The Issuers are given 7 days grace period to make the payment from the date that the payment is due. Thereafter, Moneysave may charge for late payment and/or any additional profits.
• Additional Profit where the Sales Price based on the Contracted Profit Period shall be accrued and payable. The amount accrued and payable shall be up to the Contracted Sale Price.

• Generally, the Payment formula based on type of financing as following:

*Service fee varies depending type of financing.