RETURN ON INVESTMENT Here are the returns from some investment instruments in 2023. As you can see, ASB has given a return of 5.25% in 2023. Count enough to eat. Fixed Deposits (FD) give returns between 3%-4% while savings accounts - this is not surprising - give returns between 1%-2% depending on the account and also the bank. Shares. FBM KLCI – basically returns from stock investments in Bursa Malaysia – gave a return of -2.34%. Negative, yes. So the less said, the better. The S&P 500, basically a stock investment return in the United States, on the other hand, has given a great return of 24%. Gold also gives a great return in 2023 which is 14.6%. Congratulations to all Team ZBI gold investors and savers. Next, crypto. Ethereum gave an insane return of 90.7% and...Bitcoin 154%. Good for those of you who have knowledge about this investment. So here I want to congratulate all the investors. I hope that you have invested. Gold prospects are definitely better in 2024. Please contact ZBI if you want to know more. May it be useful, God willing Credit; Mr. Azizi Ali

3 REASONS WHY "SAVERS ARE LOSER" Who has heard this verse? "Savers are losers". That said a financial expert named Robert Kiyosaki. Do you want to know why? ✅ Robert Kiyosaki said that saving a lot of paper money without a purpose for a long period of time is actually harmful. ✅ Save paper money, we only save numbers. Our numbers may remain, but their value shrinks. For example, RM10k that we saved 10 years ago is not the same value as RM10k now. ✅ Rich people don't save money, but rich people collect assets. Which although the "number" does not increase much, but at least the value remains. So... It does not mean that saving money is not good. For the long term, keep it in the form of gold. People who don't save money, and don't save gold... More harm to their finances.