Finance Articles
The money news that matters — turned into what it means for your wallet, with the live numbers to act on.
The 2026 scoreboard
The S&P 500 Just Hit a Record — Here's What Beat It in 2026, and What Got Left Behind
Five things beat the S&P this year. A Malaysian fixed deposit beat five others.
14% flat, landing Oct
The 'Basic Credit Card' Is Coming to Malaysia at a Flat 14% — Beating Every Existing Rate Tier (2026)
A flat 14% that beats every existing card tier — who's launching it, and when.
Crypto vs shares
Bitcoin, Solana and Hyperliquid Barely Moved Last Week — the S&P 500 Did All the Running (2026)
The S&P moved 4× more than crypto last week. Zoom out to 2026 and the gap is 159 points.
Down 27% from the peak
Gold Is Down 27% From January's Record — What It Means If You Hold Gold in Malaysia (2026)
Gold's record high is history. Down 27% since January — what it means for your gold in Malaysia.
Carry trade, explained
The Yen Carry Trade, Explained — and Every Time Japan or the US Stepped In (1985–2026)
Borrow cheap yen, buy elsewhere. It works until it doesn't — and last week the US stepped in.
Mixed FX Monday
Trump Calls Off the Iran Strike: Ringgit Flat vs the Dollar, Weaker Against the Yen, Euro and Pound (2026)
Trump called off a planned Iran strike. The ringgit shrugged at the dollar — but not at the yen, euro or pound.
Up 20 sen this week
RON95, RON97 and Diesel All Jump 20 Sen This Week — the US–Iran Pause We Covered Just Collapsed (2026)
RON95, RON97 and diesel all rose 20 sen this week. BUDI95 drivers won't feel it — here's exactly who does, and why.
Rates.my FD Index · Edition 2
The Rates.my Malaysia FD Rate Index — August 2026
The average headline FD rate is 3.35% — but what you can actually get without a five-figure-plus minimum is closer to 3.05%. Here's the real gap, and every bank ranked.
Crash, then snapback
Memory Stocks Crashed, Then Snapped Back 20%+ in Two Days — What Now? (2026)
Down 14% Tuesday, up 22% Thursday. Samsung answered the oversupply fear — and our call for another leg lower was wrong in two days.
The $7.20 call
CXMT Popped 466% on Debut — and a Crypto Market Called It Four Days Early (2026)
The debut closed at ≈$6.90. The crypto crowd had printed $7.20 four days before. The bankers said $1.29.
Stuck in the middle
Oil at $92 After the US–Iran Pause: Why Mid-Range Is the Hardest Place to Trade (2026)
Brent hit $100, then the pause knocked it back to $92 — the dead middle of 2026's range, where headlines hurt you from both sides.
Dead until month-end
Dead Market Until End-July? SpaceX Drained the Liquidity — and the AI Rebound Already Happened (2026)
SpaceX took US$75bil off the table at the very top. The AI crash — and its rebound — already happened. Now: quiet till month-end.
Two chip IPOs, two debuts
SkyeChip vs Stratus Global: How Bursa's Two Hottest Chip IPOs Traded on Debut (2026)
SkyeChip exploded +332% then faded. Stratus opened smaller but closed at its high, +164%. Two debuts, two very different lessons.
The final-whistle trade
Will AI Stocks Rebound After the World Cup Final? The Oversold List: Micron, Intel, CoreWeave, SK Hynix (2026)
Sunday's final ends the liquidity drain. The oversold AI shelf is where the money may go next.
China's frontier moment
Kimi K3: China's New Frontier AI — and Why Alibaba (9988) Owns the Upside (2026)
China just shipped a frontier-class open model. Alibaba quietly owns the biggest slice of it.
The grid stock the rally forgot
UUE Bhd (0310) — The Next Billion Ringgit Stock?
A record order book bigger than its own market cap — and the AI-energy rally hasn't noticed yet.
We called it
The AI Crash We Called: The World Cup Drained the Liquidity — Now Comes the Shakeout, Then the Rebound (2026)
We flagged it on 23 June. Three weeks later the AI trade cracked — right on World Cup schedule.
China's chip mega-IPO
CXMT: China's Biggest-Ever Chip IPO — and Crypto Is Already Trading It Before It Lists (2026)
China's chip champion lists July 27 — but crypto traders are already pricing it 6.5× above the IPO.
Real balloting numbers
Is It Worth Applying for Bursa IPOs? Stratus Global's Real Balloting Numbers (2026)
Apply RM1 million for a hot IPO. Here's exactly how much you really get back — from the real balloting table.
Bursa's chip-automation IPO
Stratus Global IPO Review: Business, Valuation & the SkyeChip Question
A software moat and fat margins — but lumpy earnings and a forecast-driven RM2 target. Could it pop like SkyeChip?
Is RM1 possible?
EI Power (EIPOWER): Is RM1 Possible for Bursa's Newest Data-Centre Power Play? (2026)
Bursa's hottest new data-centre stock is up ~50% since its 48 sen IPO. Is RM1 realistic?
Follow the money
How Much of Your Money Does moomoo Actually Hold? What We Know About Malaysian Capital 'Leaving' Bursa (2026)
moomoo won a million Malaysian users in 17 months. Nobody publishes how much money that is — but the numbers we do have tell a real story.
Liquidity check
Bursa Malaysia vs moomoo: How Much Liquidity Are You Actually Trading In? (2026)
One trades a few billion ringgit a day. The other opens the door to a market that does that before lunch. Here's the real liquidity gap.
Unitree IPO
Can You Apply for the Unitree Robotics IPO From Malaysia via moomoo? Here's the Honest Answer (2026)
Unitree's robots are famous, its IPO is hot, and moomoo is on every Malaysian's phone. Can you actually get in? Here's the honest answer.
The other scoreboard
The World Cup's Other Scoreboard: Prediction Markets Have Traded US$44.8 Billion in a Month (July 2026)
Forget the group tables — the tournament's wildest numbers are on Kalshi and Polymarket. Inside the US$44.8b World Cup betting machine.
Crypto rebound
Crypto Rebounds After the June Crash — and Hyperliquid Is the Name Everyone's Watching (July 2026)
Bitcoin is bouncing off the June lows — and Hyperliquid is the machine everyone's watching. The rebound, the risks, and the Malaysian rules.
H1 2026 review
Stock Market Review: The First Half of 2026 — Record Highs in the USA Fuelled by the AI Boom and a Sleepy Bursa
Global stocks just had their best first half since 2021 — but Bursa sat it out. Here's the H1 2026 scorecard and what it means for you.
AI's memory
Micron & SanDisk: The Memory Chips Powering the AI Boom — and Why They Matter to Malaysia (2026)
AI's real bottleneck isn't GPUs — it's memory. Meet Micron and SanDisk, the chipmakers feeding the boom — and Malaysia's slice of it.
AI selloff
AI Stocks Wobble, the World Cup Distracts — and the Money Is Quietly Moving: What It Means for Malaysian Investors (2026)
The AI trade is wobbling and the World Cup is soaking up the speculation. Here's what's moving — and what it means for your ringgit.
Subsidy shake-up
Diesel Subsidy, Cash Aid & the Election Question: What Malaysia's 2026 Money Moves Mean for You
Diesel floated, RON95 held at RM1.99, RM15b in cash aid — and an election in the air. Here's what it means for your wallet.
Ringgit ↓
Ringgit Weakens Again After Its Rally: What a Falling Ringgit Means for Your Money (2026)
The ringgit gave back its rally. Here's what a weaker ringgit actually does to your savings, spending and travel.
OPR & your FD
OPR and Your Fixed Deposit: What Bank Negara's Rate Means for Your Savings (2026)
One number from Bank Negara moves your FD returns and your home-loan instalment. Here's how to play it.
About Rates.my Insights
Rates.my Insights is where Malaysia's money news becomes something you can act on. Instead of just reporting a headline — a change to fuel subsidies, a move in the ringgit, a new fixed-deposit campaign — each guide explains what it means for your wallet and links straight to the live rates and tools on Rates.my so you can respond.
Articles are researched from primary sources — Bank Negara Malaysia, LHDN, Bursa Malaysia, official bank pages and government announcements — and written to be read in a few minutes. They are general information to help you understand the news, not personalised financial advice.
What we cover
Our guides span the money decisions Malaysians actually make — fixed deposits and savings, the ringgit and foreign exchange, gold, fuel prices, EPF and retirement, loans, credit cards and the Bursa Malaysia stock market. Each one points to the relevant comparison page so you can go from reading to doing in one click:
Frequently asked questions
Rates.my Insights is a collection of in-depth Malaysian personal-finance guides that turn the latest money news — fixed-deposit campaigns, moves in the ringgit, fuel-subsidy changes, OPR decisions — into what it actually means for your finances, with links to the live rates and calculators on Rates.my so you can act on it.
New guides are added regularly, as market and policy events happen — a subsidy change, a Bank Negara OPR decision, a notable move in the ringgit or a new fixed-deposit promotion. Each article is dated so you can see how current it is.
No. They are general information written to help you understand the news and your options, not personalised financial advice. Always consider your own circumstances and verify figures with the relevant institution before acting.
The comparison pages show live rates and let you filter and compare products directly. Insights explains the why — the context and implications behind the numbers — and links you through to those pages so you can move from reading to doing.