April 2024
Written by MYTHEO
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Whether you are accumulating your wealth, achieving financial stability or planning for retirement, there’s always something for everybody at MYTHEO.

What is MYTHEO?

‍MYTHEO is a digital investment tool and robo-advisor that utilizes algorithms and Artificial Intelligence (AI) to enhance the decision-making process and make investment management more dynamic and robust, which means you can invest globally with minimal effort, risks and cost. ‍

Is MYTHEO licensed?

‍Yes, MYTHEO is licensed by the Securities Commission Malaysia. Additionally, we have partnered with one of the leading digital financial advisors and asset management companies in Japan, THEO, to deliver a personalized, globally diversified and fully-automated investment journey that is uniquely tailored to you.

What are the benefits of investing with MYTHEO?

‍MYTHEO offers personalized, globally diversified and a fully-automated investment journey, helping you achieve your long-term financial goals with ease at a minimal cost.

Over the years, we have introduced 5 portfolios so you can grow your wealth holistically.

MYTHEO Omakase

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‍As you may have heard by now, MYTHEO Omakase is a personalized portfolio that is tailored to suit your investment preferences, but how do we go about with this?

• Upon signing up with MYTHEO you will be asked a series of questions that will determine your investment risk profile.
• MYTHEO will then match your answers to determine your personalized portfolio that is derived by combining the weightage in each of the three functional portfolios: Growth, Income and Inflation Hedge.

‍‍The distribution of weightage across all functional portfolios varies depending on the risk profile of each investor. For example, an investor might get a personalized portfolio with a combination of 80%:11%:9%, or 24%:52%:24%, or any other combinations based on how he answered the questions. There are 228 combinations for the "Omakase Portfolio" in MYTHEO which are linked to different levels of risks and investor requirements. Read more here

Why functional portfolios and what do they mean?

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‍MYTHEO aims to provide investment services that are beneficial for investors'. Therefore, we categorized the typical asset management needs of investors into three categories and created portfolios that meet each of these needs, which are our “functional portfolios”: Growth (stock-centric), income (bond-centric), and inflation hedge (real asset-centric).
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Investing the Omakase way helps investors achieve the best possible long-term results.

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‍MYTHEO performs monthly rebalancing for all investors. Rebalancing is a way to restore the investment allocation back to the target after it has changed due to market movements during the month. Read more here

Learn more about MYTHEO Omakase

MYTHEO Global ESG

‍‍MYTHEO launched its fully ESG-themed portfolio in October 2021. This portfolio invests primarily in ESG-related equity ETFs, particularly those that have an investment policy of taking into consideration the Environment (E), Social (S) and Corporate Governance (G). The purpose of this portfolio is to allow investors to align their financial goals with the values that they strongly believe in as they start to look beyond balance sheets and profit or loss statements to identify investments that are responsible and sustainable. Read more here

Benefits of ESG Investing

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‍ESG investing offers dual benefits, known as "double returns".
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• It delivers social returns by supporting companies aligned with environmental, social, and governance (ESG) principles. By selecting such companies, investors contribute to societal progress through sustainable development initiatives, as outlined in the United Nations' Sustainable Development Goals (SDGs).
• ESG investing generates economic returns. Companies with high ESG ratings and a commitment to addressing social challenges are poised to be more resilient and potentially create greater long-term value for investors. As more companies integrate SDG targets into their operations, investing in ESG becomes a means of actively participating in SDG initiatives.

Learn more about MYTHEO Global ESG

MYTHEO Essential Products

This is a portfolio that invests in diversified equities that are in water-related themes, food-related themes, energy-resources themes, and renewable-energy themes. The objective of Essential Products investing is to capture investment opportunities from "technology development" and "business model transformation" within the water, food, and energy sectors. By strategically investing in companies addressing supply-demand gaps in these essential themes, the portfolio seeks to generate sustainable growth and positive social impact.

Benefits of Essential Products investing

• Stable and Sustainable Demand: From the water we drink to the food we eat, essential products form the bedrock of human existence. Their demand remains steadfast, unaffected by economic fluctuations.
• Technological Innovation: Essential product investments aren't stuck in the past. They're embracing cutting-edge technologies across water treatment, sustainable agriculture, and renewable energy. This innovation creates a playground for both industry veterans and up-and-coming startups.
• Impactful Investing: Essential product industries are intertwined with environmental and social concerns. Investing in companies prioritizing sustainability and ethical practices not only mirrors your values but also leaves a positive mark on the world.

Learn more about MYTHEO Essential Products

MYTHEO Money Market Portfolios

Want to maximize your savings and seek potentially higher than bank deposit returns? The Money Market portfolio is designed to bring you stability, liquidity, and potential returns all in one place. Whether you're saving for a short-term goal, building an emergency fund, or simply seeking a reliable investment option, our money market portfolios offer the peace of mind you are looking for.

MYTHEO offers two types of Money Market portfolios which are denominated in Malaysian Ringgit (MYR):

• MYTHEO MYR Portfolio which invests in a conventional money market unit trust fund.
• MYTHEO i-MYR Portfolio which invests in a Shariah-compliant money market unit trust fund.

Benefits of Money Market Investing

• Capital Preservation and Safety - Protects your invested capital through low-risk securities.
• Liquidity and Accessibility - Provides easy access to your funds when you need them.
• Competitive Returns with Low Risk - Potentially offer better returns than deposit accounts without high risk.
• Diversification and Professional Management - The underlying money market unit trust fund comprises a diversified portfolio managed by professionals to minimize risk.

‍‍Learn more about MYTHEO Money Market Portfolios

MYTHEO USD Trust (MUST)

If you are seeking a portfolio that provides a safe avenue for your investments with competitive yields, this might be it! MYTHEO USD Trust (MUST) is a portfolio that aims to deliver capital preservation and liquidity through a USD trust facility, which allows you to keep your deposit and investment proceeds in USD dollars. With that, you can minimize risks during market uncertainties and better manage exchange rate fluctuations.

Although USD cash is currently regarded as a safe haven with a nominal positive yield, it should only be seen as a short-term solution. This is because cash may not effectively safeguard against inflation and the gradual loss of purchasing power over time, potentially resulting in a negative real return. Therefore, allocating funds to USD cash should be coupled with a proactive readiness to reinvest in riskier asset classes at the earliest opportunity.

MYTHEO USD Trust (MUST) can be accessed via the switching feature in a client’s current portfolio or via new deposits when accompanied by a deposit into a MYTHEO Omakase, Global ESG or Essential Product portfolio.

Learn more about MYTHEO USD Trust. 

Whether you're navigating the global investment landscape with confidence or targeting specific themes, the world is your oyster! 

Invest in MYTHEO now!

Download the MYTHEO app today via App Store or Google Play.

Our dedicated customer support is here to guide you at every step. Reach out to us via email at contact@mytheo.my or by calling us at +603-8408 1613

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