Full ShopeePay Invest Review + Beginner Tutorial (No Experience Needed!)
Most people use Shopee to shop 🛒, pay bills 💡, or collect coins 🪙.
But what if I told you Shopee has quietly upgraded into something much bigger?
Yes — Shopee has officially entered the investment world with ShopeePay Invest, and honestly… this changes everything for beginners.
Let’s break it down — no jargon, no hype, just real explanations 👇
Shopee Is Going ALL-OUT 🚀
Shopee didn’t stop at:
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ShopeePay
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SPayLater
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Shopee Financing & SLoan
Now they’ve added investment products directly inside the Shopee app.
No new app.
No complicated setup.
No big capital needed.
Just open Shopee — and boom 💥 — investing is right there.
Is ShopeePay Invest Legit? 🤔
Short answer: Yes.
ShopeePay Invest is built in collaboration with iFAST Capital Sdn. Bhd., a licensed investment company regulated by the Securities Commission Malaysia (SC).
If that name sounds familiar — they also own FSMOne, one of Malaysia’s most established investment platforms.
👉 Shopee is basically using iFAST’s trusted infrastructure to distribute real, legitimate unit trust funds.
So this isn’t “Shopee gambling money” — these are real funds already available in Malaysia, just made much easier to access.
The Biggest Shock? You Can Start With RM10 😲
This is where ShopeePay Invest becomes insanely beginner-friendly.
Normally:
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Unit trust funds require thousands of ringgit to start
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Multiple forms, apps, and platforms
With ShopeePay Invest:
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Minimum investment: RM10
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Use the same Shopee app
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No extra platform needed
This alone removes the biggest mental barrier for beginners.
38 Funds. 10 Asset Managers. Endless Choices 📊
Inside ShopeePay Invest, you’ll find:
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38 unit trust funds
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From 10 asset management companies
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Including:
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Money Market Funds
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Sukuk / Bond Funds
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Balanced Funds
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Global & Local Equity Funds
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Shariah-compliant funds ✅
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Technology & thematic funds 🌐
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Sounds overwhelming? Don’t worry — Shopee simplified it.
Two Simple Categories (Perfect for Beginners) 🧠
1️⃣ Safeguard Your Money
Low risk, more stable
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Money market funds
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Sukuk / bond funds
👉 Best for:
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Saving money safely
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Emergency funds
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Fixed-deposit alternatives
2️⃣ Grow Your Wealth
Higher risk, higher potential returns
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Balanced funds
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Equity funds (local & global stocks)
👉 Best for:
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Long-term investors
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People who can handle ups & downs
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Those chasing higher returns
💡 Both categories include Shariah-compliant options, and you can filter them easily.
Can You Lose Money? Be Honest — YES ⚠️
This part is important.
ShopeePay Invest clearly shows:
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Past 1-year performance
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Best returns: +25%
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Worst returns: -34%
👉 This proves one thing:
Investment can go up OR down.
Money market funds stay green most of the time 🌱
Equity funds can drop hard — but also rise fast 🚀
And Shopee does something good here:
They label funds clearly with:
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Risk level
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Equity / Fixed income
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Shariah status
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MYR-hedged (protects against currency drops)
MYR-Hedged = Silent Hero 🇲🇾
Some global funds are MYR-hedged, meaning:
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Your investment is protected from USD currency drops
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Even if the US dollar weakens, your returns stay safer
In volatile times — this feature is GOLD.
Fees: Cheap or Expensive? 💰
Here’s the honest breakdown:
✔️ Sales Charge
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Range: 0% – 2%
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Currently: Most funds = 0% (promo)
⚠️ Once sales charge returns, it can hurt long-term returns.
✔️ Annual Management Fee
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Around 0.5% – 2% per year
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Already deducted from NAV (you don’t see it directly)
Industry-standard, but not the cheapest.
✔️ Redemption Fee
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Mostly FREE
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Selling usually takes 5–7 working days
Who Is ShopeePay Invest REALLY For? 🎯
✅ Perfect for:
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Total beginners
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First-time investors
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People scared of investing
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Those starting with small capital
❌ Not ideal for:
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Active traders
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Advanced investors
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People who want fast buy/sell execution
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Investors who want deep analytics & automation
Want to Level Up? This Is Where moomoo Comes In 🔥📈
If you’ve learned the basics and want more control, more power, and lower costs, this is where moomoo shines.
With moomoo, you can:
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Buy ETFs directly (US & global markets)
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Trade stocks with real-time data
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Use advanced charts & analytics
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Invest with much lower long-term fees compared to unit trusts
ETFs are often:
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Cheaper than unit trusts
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More transparent
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Better for long-term wealth building
🎁 Start Investing in ETFs with moomoo Today
If you want to skip the middleman and invest smarter:
👉 Open a moomoo account here
🔗 https://j.moomoo.com/0xFRE4
✔ Beginner-friendly
✔ Powerful tools
✔ Perfect for ETF investing
✔ Ideal for long-term wealth growth
⚠️ Disclaimer
This article is for educational purposes only, not financial advice.
Past performance does not guarantee future returns. Always understand what you invest in.
💬 Now I want to hear from YOU
Have you tried ShopeePay Invest?
Or are you ready to move straight into ETFs with moomoo?
Drop your thoughts below — let’s discuss 👇🔥
#ShopeePayInvest #BeginnerInvesting #ETFMalaysia #WealthBuilding #PassiveIncome #InvestSmart #MoomooMY #FinancialFreedom
