For thousands of years — from the time of Prophet Muhammad ﷺ until today — gold has remained gold.
You buy physical gold.
You hold physical gold.
You store it at home or in the bank.
Simple. Transparent. Real.
But today, many people are being tempted by “leveraged gold,” “guaranteed returns,” and “multiply-your-money-fast” schemes. And that’s where the danger begins.
I’ve talked about this repeatedly, and yet people still fall into the same traps — especially when investments promise easy money with unrealistically high returns.
When Authorities Step In: A Serious Warning
In May 2024, regulators ordered a full stop on a company offering shares to the public without proper approval.
Why?
Because the company:
Offered investments to Malaysians
Used online platforms and websites
Failed to register and comply with securities laws
This is exactly why regulators maintain Investor Alert Lists — to warn the public.
If a company or individual appears on such a list, it means investors must be extremely cautious.
And remember this:
If you invest in something unlicensed and unregistered, you bear the full risk yourself.
The Golden Rule of Investing: Registered & Licensed
Before investing in ANYTHING, ask yourself:
Is it registered with the authorities?
Is it properly licensed?
Is the business model clear?
Telegram groups promising:
“Invest RM500, get RM5,000 in 24 hours”
are major red flags 🚩
No license.
No clear business model.
No transparency.
If you lose money there — it’s not bad luck, it’s bad decision-making.
Unrealistic Returns = Scams Waiting to Happen
Scammers always promise:
Returns that make no sense
“Passive income” while you do nothing
Fast money with zero effort
Many people fall for this because:
The salesperson earns commissions
The presentation looks convincing
Trust is abused (friends, relatives, even family)
But as Warren Buffett famously said:
“Never invest in something you don’t understand.”
If you don’t know where the profit comes from, you shouldn’t invest a single cent.
Let’s Talk About Gold — The RIGHT Way
Gold has always been valuable — but price is not guaranteed to always go up.
Anyone who says:
“Gold prices will always rise”
is lying.
Even famous investors like Robert Kiyosaki emphasize understanding market cycles before buying gold.
Bank Negara Malaysia itself holds gold reserves — so when private companies claim they hold “more gold than central banks,” skepticism is necessary.
The safest approach?
Buy physical gold
Store it
Liquidate it when needed
No excessive leverage.
No unrealistic promises.
Why Banks Dare to Give Loans (And Scammers Can’t)
Banks give loans for:
Houses
Cars
ASB financing
Why?
Because these assets have structure, regulation, and predictable value.
That’s why:
Home loans are easier than personal loans
Credit cards are riskier for banks
Unregulated investments are avoided
So when someone asks you to leverage gold heavily, ask yourself:
If this is so safe, why aren’t banks doing it?
A Simple 3-Step Investment Framework (That Actually Works)
If you’re exploring new investments, follow these principles:
1️⃣ Purpose First
Why are you investing?
Emergency fund? Long-term growth? Retirement?
“Wanting to be rich” is not a strategy.
2️⃣ Start Small
Test with excess money, not savings.
Observe:
Is it sustainable?
How do returns actually happen?
Is it paying old investors using new investors’ money?
Many scams collapse once this is understood.
3️⃣ Scale Only After Proof
Only increase your investment after:
You fully understand the system
You’ve consistently seen results
You’ve validated its legitimacy
This approach protects you from massive losses.
Final Thoughts: Learn Before You Earn
Everyone makes mistakes — even experienced investors.
The difference?
Educated investors learn and adapt
Uninformed investors repeat the same errors
Knowledge is your strongest protection against scams.
And if you want to start investing the right way, begin with platforms that are regulated, transparent, and globally trusted.
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If you’re looking for a Shariah-compliant, regulated, and beginner-friendly investment platform, Wahed is a solid place to start.
Wahed is trusted globally and designed for long-term, disciplined investing — not get-rich-quick schemes.
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Start investing smart.
Start investing safely.
Start investing with knowledge. 💡
