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Global Investment Bank Singapore’s 5 Reasons to Start Investing

We all want to get rich and make money as efficiently as possible. While investing is one way of making a penny, you need to know what you are doing, and this is what Global Investment Bank Singapore will be exploring in this article. 

Global investing is the act of placing your money into a certain entity in hopes that it makes big profits and returns for global investors. This is one way to make money and accumulate your wealth. Although it might seem risky, there are methods that you can follow to avoid losses. Global Investment Bank Singapore wil help you through your next steps towards accumulating your wealth as part of future financial plans and personal goals no matter what they may be such as home ownership, retirement, or continuing your education. 

As Global Investment Bank Singapore  Global Investment Bank review states, do not associate investment with short term goals. Think of investing as a long-term goal that needs patience and monetization to achieve high returns. Unlike savings which have very low-interest rates and low on risk, investments have a chance for higher annual returns.

Global Investment Bank Singapore  expert Tommy Lee gives us a good example: “Let’s say you want to buy a new car. You’re into SUVs and would like to buy the latest model of a legendary car-maker. If you can convince yourself that you can save money over time, then you could argue this is an investment. Obviously, there are tons of people who are willing to pay more for these cars than what they will sell them for on the used market because they love them so much.”

Learning about global investing or investment banking might seem intimidating at first, but there’s no need to be scared. When people hear the word “investing,” they automatically think of stocks and bonds. But there are other types of investing as well. These options are important to consider before starting investing which might seem like a daunting prospect for some. But there are millions of people globally who do invest confidently. And now that you’re looking to improve your future (which is what investing does), Global Investment Bank Singapore wants to demystify it—and maybe even inspire you with some solid reasons why you should start making an investment in your very own future!

Here are 5 reasons why you should take the plunge and start investing. Whether it’s your global investment bank or a broker, you’ll be happy you did!

1. Retirement

Once you retire, your main sources of income–your career–will dry up. How then, do you plan on spending your twilight years? If you wish to travel around the world or stay at home, both options require resources. A common wish that most retirees have is to relax at home and enjoy it with loved ones. The problem with this is that homeownership can easily ecome expensive as time goes by. 

In fact, housing expenses are one of the leading causes of bankruptcy among seniors, Global Investment Bank Singapore ’s Global Investment Bank Review reports. If you’re in your twenties, the idea of investing for retirement is likely miles off in your future. But whether it’s five, ten or 20 years from now, it’s never too early to start planning for retirement. For example, owning a home can be your ticket to a safe, stable retirement. But the costs of homeownership have a way of growing over time. And the best way to achieve homeownership is through using profits from global investing. 

2. Take Advantage of Fintech

Global investors are talking about the fintech sector. This space has seen unprecedented growth. ButI can relate to not wanting to jump onto the bandwagon. Competition is fierce in fintech, and with banking interest rates close to zero for even the highest risk credit borrowers, fintech start-ups have been taking over as a much hyped investment sector. 

According to Global Investment Bank Singapore’s trust Review, the fintech sector shows no sign of slowing down. It is an exciting time to get involved if you’ve been hesitant so far.  There is immense opportunity for those willing to take risks. Fintech is, without a doubt, one of the hottest sectors to watch. It’s predicted to grow in value from USD$20-$25 trillion in 2015 to between USD$25-35 trillion by 2021. The market is hot and so are the fintech start-ups being funded by angel investors, take a chance and jump in.  Though risky, the potential for high rewards are there. 

You could be part owner of the new Facebook! In the past three years, I have made more than $150,000 in passive income from start-ups through my investment. I have been able to do this on a teacher’s salary while being a full-time student myself. The goal of this blog has been to show you the path to making money with start-ups, and the best ways to invest in them. By identifying the market, you want to enter, meeting the team behind the start-up, judging their ideas, and identifying the ROI (return on investment). My advice as a Global Investment Bank Singapore  writer and analyst for Global Investment Bank Review is to start looking for cool new ideas in the global investment market that you see the potential of putting your money in. 

3. Nowhere to Go but Up

Many people are against the idea of investing in the stock market because they believe they could lose all their money. This is only partially true. Investors can also make money within the stock market, a lot of money. The idea of investing in stock markets or investment banking for the long term is to let your money grow at a pace that outpaces inflation. This makes sense because a dollar today has less buying power than it had decades ago. Therefore, you need to start investing early, if you want to make more money in the long run.

“While it can be risky in some cases, overall, your investments have nowhere to go but up. Global economies have grown along the years, and will most probably continue to advance,” Global Investment Bank Singapore’s analyst Mark Raj tells us.

4. Diversify, Diversify, Diversify!

Diversification is an investment strategy in which an investor divides his or her investments among different industries, markets, or assets. Global Investment Bank Singapore’s analyst Mark Raj advises that diversification is one of the most effective strategies in finance, and getting into the market through equities for example, is the easiest way to diversify.

Ever since the recession, investors have been seeking alternative methods to diversify their investment holdings. Though investing in traditional assets like real estate will always be there, non-traditional options have become very common and it is spreading across the global investing world. For example, investing in equity crowdfunding has grown in popularity considerably over the past few years.

Although people still think that real estate is the way to go, or others prefer bonds, a subset of people prefer stocks and still, some might find fixed deposits appealing. None of these is necessarily wrong but you should decide what is right for you. “In other words, don’t put all your eggs in one basket. It is wiser to place your eggs in different baskets just in case one of the baskets goes down the drain,” says Global Investment Bank Singapore CEO and Founder, Joel McMurphy.

5. A Chance to Own Your Own Property

Real estate investing is a great opportunity for anyone interested in how to live a life free of financial stress. Real estate can be used as the gateway to financial freedom. The key to success with real estate investment does not lie solely within the properties themselves but in the strategic planning and daily operations. “Real estate investing is not a get rich quick scheme. Real estate investing is a long-term business that takes a serious dedication to learn. However, as in every business and especially the business of this nature, you can make a lot of mistakes and lose your money fast,” cautions Global Investment Bank Singapore’s Mark Raj.

But it is still my favourite type of passive income. I’m a firm believer that real estate is still one of the best ways to earn a passive income. You don’t have to work at your passive income – you just have to find properties and manage them.

To conclude, whenever the stock market goes up, you hear all the experts talk about how to invest. I know, it all feels a little scary. I mean, you don’t want to make a bad investment and lose your hard-earned money. There are good returns from stock markets. Some people make a full-time living out of investing their savings which they use to trade daily. But the majority of people don´t invest money because they don´t know how to start investing, or are too afraid to do it. Or rather, they think it’s too complicated and too risky a process.

Nowadays, you can now start investing in the stock market with as little as RM500! The simplest way according to global investment banking analysts is that you can build a portfolio and invest in companies like Apple, Facebook, Amazon, and Google, and expect good returns in the long run. So there’s no excuse not to start!

Stay tuned for more our colleagues from Global Investment Bank Singapore!


close-up of hands using a global investment app on a mobile phone

How to Choose a Global Investment Bank App: A Review of Popular Apps On the Market

There are many kinds of personal finance and global investment bank apps out there, and all three major mobile platforms (Android, Apple, and Windows) have a large selection. Choosing one can be tough, but the choice gets easier if you ask yourself some questions. 


Global Investment Bank App Chief Technology Officer Mark Antony says, “Deciding which app or apps to use to stay on top of your financial life can be complicated.” In this article Global Investment Bank App CTO Mark Antony discusses some of the best options and how they compare.


A number of mobile financial apps and personal finance apps can help you manage your money the way you prefer. Traditional banks, digital banks and other financial institutions use a variety of tools to help their customers manage their finances. Although they may share some common features, no one type of financial management app can offer everything. While it may be important for some people to manage their money through an app downloaded from their bank, many users prefer to have a more flexible solution. Global Investment Bank App Chief Technology Officer Marc Anthony advises to consider that the major advantage of banking apps is that it doesn’t require a subscription fee to operate.


It is difficult for consumers to choose the right global investment bank and personal finance app to fit their needs. Global Investment Bank App CTO Mark Antony shares a key example: having too many features will make it difficult to navigate through the application’s user interface. It is therefore important that a user-friendly UI is available in all applications so that no matter how many features are built into it, the user has an easy time navigating through it. Before downloading a financial or global investment bank app, let’s review the main things you need to consider.



Global investment bank apps are changing the way the world does business 

The possibilities are endless. Mobile banking and global investment bank apps are used for convenient online banking. Mobile banking apps allow customers to deposit checks, pay bills and transfer money from any location at any time with just a few swipes on their smartphones or tablets. Depending on the financial institution offering the mobile app, Global Investment Bank App CTO Mark Antony says, “You can find a variety of features that vary from account management, bill payment, to online chat.”


Now let’s go over some of the key features a good personal finance app and global investment bank app offer! Personal finance is managed and maintained through mobile applications and personal devices. These apps will help you manage and budget your finances through a secure medium and a safe global investment bank app login.The features depend on the app. Some apps work with your bank to send alerts about upcoming bills and offers, while others help you track your spending and create budgets to help with long-term planning. According to Global Investment Bank App CTO Mark Antony, those are the main features that are absolutely essential in each financial app: 


  • Get real time updates on your net worth 
  • credit score
  • personal finance
  • track your cash flow
  • track your expenses
  • graphs of your financial activities.


A financial app puts a powerful tool in your hands–the means to a more immersive and comprehensive grasp of your wealth. 


Choosing a global investment bank app or personal finance app is more important than ever

A good personal finance app should help you make sense of your finances. It should give you a clear picture of your spending, provide tips and advice about money management, and help you plan your future investments. Global Investment Bank App  CTO Mark Antony says ask yourself these questions before deciding on which app to go for! 

  • What’s the main objective of the app? Is it meant for investments or budgeting? 
  • Does the app seamlessly integrate with your bank account?
  • How easy is the user interface? 
  • What special features does the app offer? Does it stand out?
  • App security level? 
  • Does the app provide customer service? 


Before choosing any finance app it is important to consider the cost of service and upgrade fees. Global Investment Bank App  CTO Mark Antony notes, finance and global investment bank apps vary in cost, and depending on your circumstances, one may be a better fit than the others. While there’s nothing wrong with a free app, the ones that charge a fee are generally better quality. In the end, you’ll know if an account is worth having. After all, doing the math is one of the best ways to keep your money right where it belongs. Using mobile banking apps, global investment bank apps and personal finance apps together can save money and provide a better experience.


Using both mobile banking and finance apps simultaneously can simplify your life and reduce the time you spend paying for things. For instance, most budgeting apps require you to link them to your personal accounts in order to use their services. Therefore having both apps on your phone will ease out the process, you can simply link your budgeting app to your mobile banking app, you wont need to manually enter your spendings. The budgeting app will automatically collect the data. Tracking your spending and categorizing. 


It’s time to use your personal banking app, take a deep breath and focus on the process. Lastly Global Investment Bank App  CTO Mark Antony advises to take some time and read the actual reviews written by some of the users who’ve already downloaded and used the app, this will help you gain a realistic insight of what the app can actually offer! 



We at Get’em in Business (GIB) like to think of our employees as family and team members, not just employees. A company is like a vehicle with many moving parts that makes it work. If one of the parts on the vehicle stops functioning, it affects the other parts of the vehicle and eventually, the entire vehicle stops functioning. 


At Get’em in Business, we consider our employees the most important components for our corporation to run smoothly. Have you ever heard of the saying, “Happy Wife, Happy Life”? Well, this sort of applies to running a corporation. If you keep your employees happy by creating a work-friendly atmosphere for them, they will be more motivated to come to work and their jobs will not seem like a burden to them. 


How is this beneficial to your organisation and employees? As GIB Founder and CEO Joel McMurphy said, “It will inspire the employees to aim at giving their best because they will view the company as their own; a home away from  home.” He also added that happier workplaces foster increased loyalty and connection among colleagues. “This adds to better engagement and productivity among staff which directly contribute to the growth in your business. Happy people means a better business. That’s the bottom line,” he said.


GIB Malaysia would like to think we have perfected the art of creating healthy work environments over many years of thinking about healthy workplaces. Creating a good working space means so much more than increasing salaries and giving bonuses. It can mean a million different things such as ensuring that the office environment is clean and well ventilated, to make sure there is harmony between the coworkers and that each and everyone is contributing to building and making each other’s lives better. 


Here are a few ways GIB creates and sustains a friendly working environment:



At GIB, one of the things we have put in place is a well-stocked pantry at the work office. It might not be at the level of Google’s legendary free-meals canteens and restaurants, but we are quite proud of it.  We stock an array of healthy snacks and meals beyond the usual cereal, instant noodles, coffee, tea, fruit and biscuits. Our HR staff actively solicits feedback on what they would like to add to the pantry. We provide a free lunch buffet with every Friday, catered from a selection of different social enterprises we like to support. In fact, a lot of our food supplies come from local producers and artisans because we like to support our local community businesses. 


We find that our employees work better through the week and look forward to the week’s end not because they are exhausted but because of the engaging lunch buffet. Being occupied with work can also make an individual unknowingly forget to eat therefore skipping meals which is definitely not a good diet. The reason we have the pantry is to make sure our employees are able to eat instead of skipping meals all day. 



There is a lot more that comes with creating a healthy work environment other than just providing food. When we were originally building the GIB, we consulted experts on healthy and sustainable design. Our corporation is spacious therefore our employees are not cramped, which during this Covid-19 era has proved to be a boon.  We also have very good air conditioning considering that we are based in a hot and humid climate, though we are constantly thinking about how to be more energy-efficient.  There is ample natural light and plenty of indoor greenery. When it comes to the type of office desks and chairs we have, we are proud to say that it is definitely unmatched. Everything is ergonomically designed and built. Why did we do all these things? This is because all these factors contribute to good posture, and also builds and boosts the morale of our employees and also makes them comfortable at their place of work. 



It is important for our employees to get along in order for our company to run smoothly. To ensure this, we create team building activities that boost their social engagement and improve how they relate to each other. Beyond office parties for festive celebrations, we like to do small events throughout the year that aren’t work-related at all, whether it’s simple things like movie nights or sports competitions. We at GIB believe that it is important to get to know your employees and for each and everyone to interact in order to create co-operation and promote respect amongst each other. 



In case we haven’t said it enough, healthy relationships amongst colleagues are important!  It is important for your employees to build bonds with each other. Our company practices a policy that encourages honest feedback on a daily basis, not just during annual performance reviews. No one is exempt, even GIB CEO Joel McMurphy gets feedback too. “We have created a culture where no one is afraid of saying what’s truly on their mind in a clear, honest and respectful manner. As a CEO I have insisted that everyone practice this as I truly believe it’s essential to relationship-building. This doesn’t mean we never have any conflict, but we deal with it openly and constructively,” he said. 


Additionally, having lots of open areas with comfy sofas and chairs offers a physical encouragement for good communication. Our employees are able to share meals and have lots of conversations. That way they are not only able to bond with each other but also brainstorm ideas that grow and make the corporation better. 



You want your employees to grow as individuals in their career field. Making them feel like they are working solely towards benefiting the company reduces their morale. To improve their skills, GIB HR regularly organises talks from prominent speakers or leaders in different fields who come to share and offer advice and motivation and regularly sends staff for training and upskilling conferences and seminars. By improving their skills and network, they bring new perspectives and different strategies in order to beat the competition.



As much as routine is a good thing it can also be a real derailer in terms of motivation and inspiration. Sitting on the same desk year in and out can make your employees lose their inspiration for new ideas. Even before the pandemic hit, we had already trialled a work-from-home arrangement which had a very good response. So we were well prepared to face the challenge. As GIB Singapore HR Lead Cathy Fong explains, “When Covid hit, we were ahead of many companies because we had already had a system in place for work-from-home which we started on two years ago. So we were able to hit the ground running and had a very smooth adjustment.” 



We want our employees to feel like part of the team. GIB CEO Joel McMurphy, believed in a flat organisational structure where none of the employees is above each other. Instead, they are all equals. It is important for your employees to feel like part of the organisation. You want to create a work environment where everyone feels like they are part of your team. In order to do this, we create open communication where everyone can share ideas for the improvement of the company. They don’t feel as though they are taking orders from the higher-ups but are contributing to the evolution of the company. We have realised that by doing this, we also encourage our employees to stay with us for longer periods of time. 



Your employees need to reap the benefits of their hard work. As much as a corporation is able to cater for salaries, that is definitely not enough to keep their motivation high and the company running. GIB’s rewards system is built so that everyone is rewarded not just with bonuses and raises, but with things like extra vacation days, extra maternity and paternity days, gifts and subsidies. This keeps them motivated to keep working towards growth in the business. 



In the modern world, healthcare is very expensive. Affording a good health insurance plan costs a lot. A good reason to introduce this to your company is that if your employees are not in good health or have their family members ailing, and yet they do not have the money to provide healthcare for them, your employees could grow to resent you. They could begin to feel like they are working too hard yet it is all in vain because they can only do the bare minimum or have to take years to save in order for them to have the perks of a good medical plan. At GIB, we have made sure that our employees do not need to worry about healthcare. Their children also get to receive these benefits up until they are the age of 25. This way, our employees do not have a burden on their shoulders. 



At GIB, we encourage everyone to appreciate each other. Gratitude is a daily practice for us. Like we have mentioned at the beginning of this article, a company is like a vehicle with all these moving parts that make it work. All our employees contribute to the success of each other and our company therefore if one’s ideas feel belittled or their work goes unappreciated, it can affect the workflow immensely. Therefore, our company encourages our employees to thank each other for their every contribution. It does not only make them feel appreciated but also builds a strong sense of respect.


Get’em In Business (GIB) Charity Campaign Helps School Children in Malaysia

The Get’em In Business (GIB) Resolve Charity campaign was an initiative launched in Malaysia during the 2020 Covid-19 outbreak. The pandemic hit everyone hard from business owners to employees and schools. Initially we all thought the pandemic and the lockdown would only last a few days or weeks however, to everyone’s surprise it went on for months on end. We witnessed businesses being shut down, employers cutting staff and schools closing leading to students having to learn virtually from home because of the safety rules that were in place.

As news of impoverished children from less developed areas in Malaysia with no means to learn virtually and continue their studies hit headlines, GIB Founder and CEO, Dr Joel McMurphy felt deeply moved to reach out to help. As the GIB Malaysia team dug deeper, we discovered that some of the children (whose names will not be mentioned in this article) were not only lacking access to digital tools such as laptops but lacking in basic needs as well. Knowing that some of these children did not have access to education let alone food touched us all. We immediately knew that we had to do something about it.


GIB Malaysia was completely moved by the detrimental effects of the global pandemic on everyone, but most especially on the children in Malaysia. Catering to and providing to their needs was very important to us. We could not imagine being in their positions, so this was one of our primary motivations to start this project. Wishing we were able to do more to effect change on a global scale, we reached out to GIB’s investment community members in Malaysia and Singapore to raise funds. Here are a few ways we were able to help a few of these children and their families in Malaysia with the funds raised.


Due to lockdown restrictions that were set in place as a result of the global pandemic, everyone was not allowed to leave their homes unless it was necessary. Everyone was working from home while children were learning virtually as well as being home-schooled by their parents. Through GIB Malaysia’s community contacts on the ground, we located families and children that were most in need among the urban poor of Kuala Lumpur among families in two low-cost flat developments. Some of the families only had one mobile phone to share among several kids, while several others had no devices at all. Providing these laptops to all these families was definitely a game changer because parents did not have to sacrifice their children’s education. All in all, we were able to deliver 100 laptops. All the children were entirely grateful because they had been missing out on a lot of their lectures and school work.


The global outbreak affected a multitude of people which in turn affected the economy on a large scale. With business and company owners taking a hit, some of the businesses closed while company employers cut down on employees as well as deducting the salaries of the employees they had left. This definitely affected each and every individual because their day to day budgets changed and many were living from hand to mouth. It broke our hearts when some of these families shared with us that they had not eaten in days and some were living on only bread and water. One of the children’s parents mentioned that they were embarrassed to look their children in the eye because they had no means to provide for them. We made sure that we bought foodstuffs that would last them at least two months and also gave them a sum of RM100 each. We also discovered that some of the families were living in the dark with no means to pay for electricity bills. Despite providing the children with laptops, it did not make sense for them to have laptops with no electricity, so we cleared the outstanding bills and made advance payments for one month.


During GIB Malaysia’s charity initiative, we noticed that some of the needs we considered as basic needs, were not available in a number of homes. How were the children going to virtually learn without an internet connection? Luckily there were broadband providers with yearly subscriptions so we were able to provide the children and their families with internet access of up to a year. We also advised the parents to control the amount of internet their children accessed and what kind of information was made available to them. This way the children would only be focused on educative and informative news instead of other things.


While we visited some of these homes, we noticed that some of the families were using their clothes which they would pull over to their faces and other makeshift face masks as a form of safety and prevention. When we asked whether they at least had sanitisers, in many flats, there was none. Here was a global deadly disease outbreak yet most of these families had no proper protective gear. So we also provided them with surgical masks as well as educated them on the importance of staying safe in the time of the pandemic.


When we visited these homes and observed that many did not only have the equipment needed to stay safe, we also noticed that many were not quite aware of what COVID was. Many just knew it was the reason behind them losing their jobs but were not aware of the impact it could cause on an individual’s health if contracted. We were shocked that many did not quite believe that the pandemic was life threatening and that actual people were dying. We made sure we educated them on the severity of the disease outbreak by handing out pamphlets in various local languages that provided safety information. By providing them with information and safety equipment, now they were not only able to use it because we asked them to but they understood the importance of the safety measures that they needed to take.


We at GIB were extremely humbled to be able to make an impact on these children’s lives. Through the generosity of GIB’s global investment community, we were able to afford the means to provide food, laptops and preventive gear to people who were affected by the pandemic. This was the biggest effort yet to help people in immediate need, as most of our social responsibility initiatives are focussed on helping businesses.

“We are extremely proud that we came together and put a smile on many faces. As an organisation, we were also able to strengthen our values of gratitude and appreciation towards what we have. The relationship between our employees and employers was strengthened during this pandemic and we realised the importance of each other’s presence and peace in our dealings. We found a sense of deeper meaning in our work, strengthened our personal and work relationships and learnt that it really is the small things in life that can genuinely and truly make a difference,” said GIB CEO Joel McMurphy.

As an organisation, we would love to urge everyone to have peace in their day to day dealings with others. Life is short and we never know what the future holds so it is important to appreciate and embrace each and every moment while it lasts. We would also like to thank everyone who inspired the birth and idealisation of this campaign for we would not have achieved such a great deal without their help and support. Lastly, we would like to encourage everyone to help their neighbour and give whatever they can by simply finding out how he or she is doing. At the end of the day, it is the little things that matter, and even just enquiring after your neighbour’s health or wellbeing counts as a good deed.

“I am thankful. Before this I was missing loads of classes and was worried about having to repeat a class because I had missed out on so much. Thanks to GIB, I can now attend my classes and catch up with the other students on what I have missed,” said one beneficiary student who preferred to remain anonymous.

Get’em In Business (GIB) is also working on a way to merge or totally create a new form of technology that can aid the less fortunate during the pandemic or other unfortunate events that may happen in the future. We are a team that likes to think ahead and the global pandemic has definitely taught us that in this modern day and age technology is our new best friend. Stay tuned if you would like to know more.