EDITOR’S NOTE W

elcome to the latest edition of Gazet International Global Magazine. As we navigate the ever-evolving landscape of business, finance, technology, banking and corporate world, we are pleased to present a collection of insightful articles, interviews, and analyses that shed light on the trends, challenges, and opportunities that shape today’s corporate environment. In today’s dynamic landscape, these realms are more interconnected than ever before, and the opportunities are boundless!

In this issue, I have delved deep into topics that are not only timely but also pivotal for business leaders and professionals alike. From exploring the impact of financial discipline among students to understanding the concept of diversified investments, we have curated a wealth of information to keep you informed and inspired.Discover strategies to seize opportunities, navigate volatility, and achieve your investment goals.

The business world is in a constant state of transformation, driven by factors ranging from technological innovation to global economic shifts. As such, adaptability and agility have become the watchwords of success. Our cover story, “Regtech Solutions Saving the Fintech World,” is a case study that examines how regtech is helping fintech navigate its way among the terrains of regulations and compliance requirements. Whether you’re a seasoned pro or just starting your financial journey, GI Global Magazine has got the knowledge to help you thrive.

Furthermore, in the spirit of providing actionable insights, our special article, “Paid Vacations: The Emerging Business Trend Transforming Work-Life Balance,” delves into the ways organizations are restructuring the work benefits and embracing paid vacations to boost productivity and employee satisfaction.

In our “Executive Spotlight” section, we sit down with AsiaPay Malaysia’s Country Head and Associate, Mr. Loo Tak Kheong to get his perspective on the current digital payment landscape and the operational challenges that have shaped the company. His experiences and wisdom provide valuable lessons for those aspiring to excel in their own careers.Get ready to explore the frontiers of innovation and gain a com- petitive edge in an increasingly digital world.

We are also excited to introduce the article, “Data Analytics: An Empowering Tool for Businesses,” which will explore the latest advancements in technology and how they are influencing various industries. I am confident this article will be a gem to businessmen and investors.

As always, we value your feedback and engagement. We encourage you to share your thoughts on our articles and to connect with us on social media and through our website. Your input helps us continue to provide the content that is most relevant and beneficial to you, our discerning readers.

As we embark on this thrilling journey through the realms of commerce, finance, and technology, remember that knowledge is your ultimate asset. The world is changing at an unprecedented pace, and staying ahead of the curve is essential. We remain committed to delivering high-quality content that equips you with the knowledge and strategies needed to thrive in today’s dynamic business landscape. So, open your mind, absorb the insights, and let this issue of Gazet International Global Magazine be your trusted companion on the path to financial success.

The future is yours to shape, and together, we’ll make every page count. Happy reading!

Sincerely,

Suraksha Subba Editor-in-Chief Gazet International Global Magazine

WHAT DO YOU MEAN BY DIVERSIFIED INVESTMENTS ?

If you are new to the world of investing, you may have heard the term “diversified investments” and wondered what it means.

assets that are not closely correlated, you can reduce the impact of market fluctuations and volatility on your overall returns.

In this article, we will explain the concept of diversification, why it is important, and how you can achieve it in your portfolio.

Diversification is the practice of spreading your money across different types of assets, such as stocks, bonds, real estate, commodities, etc.

The main goal of diversification is to reduce the risk of losing money when one or more of your investments perform poorly. By having a mix of

For example, imagine that you have invested all your money in one company’s stock. If that company goes bankrupt or faces a major scandal, you could lose all your money in a matter of days.

However, if you have invested in a variety of stocks from different industries and sectors, as well as some bonds and real estate, you are less likely to suffer a huge loss from one single event. Even if one of your investments goes down, others may go up or stay stable, balancing out your portfolio.

Diversification also helps you take advantage of the different characteristics and performance of various asset classes over time. For instance, stocks tend to offer higher returns than bonds in the long run, but they are also more volatile and risky. Bonds tend to offer lower returns than stocks, but they are more stable and provide regular income.

Real estate can offer both capital appreciation and rental income, but it also requires more maintenance and management. Commodities can hedge against inflation and currency fluctuations, but they are also subject to supply and demand shocks.

By diversifying your investments, you can enjoy the benefits of each asset class while minimizing their drawbacks. You can also align your portfolio with your risk tolerance, time horizon, and financial goals.

For example, if you are young and have a long time until retirement, you may want to invest more in stocks and less in bonds, as you can afford to take more risk for higher returns.

If you are older and nearing retirement, you may want to invest more in bonds and less in stocks, as you need more stability and income.