Navigating the New Era of Investing: ESG

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In the past, investors only cared about making money and didn't think much about how companies were making that money. But now, more investors want to know if their money is being used in a way that is good for the environment, society, and the way a company is managed. This has led to the rise of "ethical investing," where people try to invest in companies that are doing good things for the world.

ESG is a way for investors to evaluate how well companies are doing in terms of taking care of the environment, treating their employees and society fairly, and having good leadership and management practices. Investors who care about these things use ESG as a guide to finding companies that are responsible and sustainable.


So, what is ESG?


The environmental criteria for each industry are unique and depend on various factors such as the company's operations, production processes, and regulatory requirements.

Climate change will impact every aspect of our lives, and companies that prioritize ESG factors, particularly in relation to climate change, will thrive. Natural disasters caused by climate change pose financial risks, so resource management and waste reduction are crucial for long-term success.

S’ stand for SOCIAL

The performance and reputation of a company are shaped by its social interactions with various stakeholders, such as staff, suppliers, and customers. These interactions occur within the broader context of society, and are influenced by demographic factors as well as the company's reputation.


When assessing a company's ESG performance, it's important to evaluate how they treat employees and suppliers. Fair treatment, equal pay, and safe working conditions are crucial. Mistreatment can lead to staff retention problems and regulatory issues. These principles should be extended to suppliers, especially those in regions with poor working conditions.

‘G’ stand for GOVERNANCE

The governance aspect of the ESG assessment evaluates how a company is managed and makes decisions, including the establishment and operation of its board of directors, risk management practices, and shareholder rights. This aspect of the assessment encompasses a wide range of factors that can impact a company's long-term success and sustainability.



Companies prioritizing strong governance practices are likely to have a diverse board of directors and effective risk management practices, avoiding costly legal and regulatory issues while maintaining customer and investor trust.

In conclusion, ESG criteria can help investors avoid blowups caused by risky or unethical practices, as seen in the examples of BP and Volkswagen. Investment firms are increasingly tracking ESG performance, but the ultimate value of ESG investing will depend on whether it encourages real change or merely box-checking. This will depend on whether ESG tenets are realistic, measurable, and actionable.

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Let’s see how BlueDuck Has Helped Real People 👏👏👏

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Hey there, let's talk about BlueDuck and how it's been changing the game in the world of renting! You know how security deposits can be a real pain when you're trying to find a place to live, right? Well, BlueDuck's zero deposit program has been helping tenants everywhere by eliminating that pesky deposit altogether! And not only that, but it's also making renting more affordable for many people. 

Let's get to the good part! We've got some awesome stories to share about real people who benefited from BlueDuck's program.  


Zero Deposit Program - Budget Bliss

As a tenant, the most significant barrier to finding a home can often be the upfront costs. It requires them to come up with a large sum of money upfront, which can be difficult or impossible for some people, especially those who are already struggling financially.


BlueDuck's Zero Deposit program aims to change this by eliminating the need for a traditional security deposit. Instead, tenants can enroll in the program and pay a small, one-time fee that is typically less than the cost of a traditional security deposit.


This program makes renting more accessible and affordable for a wider range of people, which is especially important in today's economy.

BlueDuck Pay - Forget with Peace of Mind!


This is a great benefit for tenants, as it helps them stay on top of their rental payments without having to remember to make a payment every month. This can be especially helpful for busy people who may have other financial obligations to juggle, such as bills or loan repayments.

BlueDuck Tenant Profile - Trust and Transparency


With purchasing a tenant profile, both tenant and landlord can feel confident that they are dealing with a trustworthy and reliable landlord. They can also expect to have a clear understanding of their rights and responsibilities as a tenant and to receive prompt and respectful responses to any questions or concerns they may have.

Dedicated Care Team


By prioritizing convenience, responsiveness, and quality, BlueDuck is helping to set a new standard for excellence in the rental industry.

In a world where renting can be a headache, BlueDuck's program offers a breath of fresh air. To know more about BlueDuck, visit us at BlueDuckMY.

Feel free to buzz us at or WhatsApp.

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Why First-Time Home Buyers in Malaysia Should Act Now: Understanding the Advantages 🗸

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Buying a home for the first time can be an exciting and daunting experience, but there are many benefits to being a first-time home buyer in Malaysia. Whether you're a young professional or a growing family, understanding the advantages of first-time home buying in Malaysia can help you achieve your housing goals and secure a bright financial future. 

Let's dive in and discover why now may be the perfect time to take the first step toward homeownership in Malaysia.

  1. Government Incentives

First-time homebuyers in Malaysia can benefit from two government incentives: Skim Rumah Pertamaku (SRP) // My First Home Scheme. Through the SRP, homebuyers can receive a 100% stamp duty exemption for properties priced at RM500,000 or less through the Keluarga Malaysia Home Ownership Initiative (i-MILIKI) from June 1, 2022, to December 2023. 

Additionally, the My First Home Scheme (SPR) provides qualifying first-time homebuyers with a 100% loan-to-value (LTV) ratio, meaning they can get a full loan.

Learn more:

     2. Lower interest rates for a first home loan

Some banks offer competitive interest rates. Borrowers can also make advance payments to lower their interests without making formal requests to the bank. Additionally, Cagamas SRP Berhad (CSRP) guarantees up to the first 20% on a 'first-loss' basis. 

     3. The flexibility of payment schemes

First-time homebuyers in Malaysia can have the flexibility of payment schemes such as the progressive payment scheme by choosing semi-flexi or full-flexi home loans[1]. These types of loans allow for additional payments for the loan, and the interest can be reduced if the principal amount is paid off more quicker. 

     4. The capability to seek out diverse grants and subsidies

First-time homebuyers in Malaysia can benefit from various grants and subsidies. The Housing Credit Guarantee Scheme (SJKP) guarantees housing loans to eligible borrowers, including first-time homebuyers. The Perbadanan Pr1ma Malaysia Berhad (PR1MA) housing loan is also available to those without payslips. Other incentives include improved funding agreements with states and territories and financing terms to first-time homeowners. It is important to check each scheme's eligibility criteria and requirements before applying.

Source: Syarikat Jaminan Kredit Perumahan Berhad (SJKP)

Owning a home is an investment that can appreciate over time, providing potential long-term financial gain. With all these advantages, there's no better time than now for first-time homebuyers in Malaysia to make their move towards homeownership. Act now to secure your bright financial future and take the first step toward owning your own home.

Check out more MUST-READ articles related to First-Time homebuyers Now:

Don't Just Buy a House, Invest in Your Future: Tips for First-Time Homebuyers 🌱

Discover Your Dream Home😍: Top Recommended Projects Tailored for First-Time Homebuyers in Malaysia


BlueDuck Team

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Don't Just Buy a House, Invest in Your Future: Tips for First-Time Homebuyers 🌱

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If you're a first-time homebuyer, you might wonder how to make the most of this essential financial investment. Buying a home can be intimidating, but it's also an opportunity to secure your financial future. 


To ensure that you make a wise investment, it's essential to approach the home-buying process with an investment mindset. This article will discuss tips for first-time homebuyers to help them make informed decisions and invest wisely. 

  1. Location

           Consider the accessibility, amenities, and potential for growth

When buying a home, location is one of the most critical factors. It's essential to find a location that is accessible, convenient, and has amenities that fit your lifestyle. Additionally, you should also look for a location with the potential for growth, as this can increase the value of your property over time. 

Several property projects in Malaysia are located near MRT stations. Some notable new launch condos near an MRT station in 2023 include Lentor Hills Residences. There are also properties for rent along the MRT Putrajaya Line Phase 2. 

                                                                                                             Source: MRT Corp

Additionally, look for locations experiencing growth, such as areas with new developments, as these areas may have higher property values in the future.

2. Market trends

          Analyze the current and future market trends to make informed decisions

The real estate market is constantly changing, and keeping up with the latest trends is essential to make informed decisions. By analyzing the current and future market trends, you can gain insights into the value of a property and make a more informed decision on whether to buy or not. 

If you are interested in purchasing a property in an area that has experienced significant growth in recent years. In that case, you should also research the market trends and economic indicators that may affect the value of your property. You should consider population growth, employment, and interest rates to make an informed decision.

    3. Property type

        Decide on whether to invest in landed or high-rise properties

When choosing a property type, you have two main options: landed or high-rise properties. Each property type has pros and cons, and you should consider your lifestyle and preferences before deciding.

Landed properties are typically larger and have more outdoor space, making them an excellent choice for families or those who enjoy gardening or outdoor activities. On the other hand, high-rise properties offer more amenities such as swimming pools, gyms, and security features, making them a better option for those who prioritize convenience and safety.

    4. Developer reputation

        Choose a reputable developer with a proven track record

A reputable developer can ensure the property is built to a high standard and has good resale value. Before purchasing a property, research the developer's reputation and track record. Look for developers with a history of delivering quality properties and a good market reputation. 

Several property groups have earned awards in Malaysia. The Malaysia Developer Awards is an event that recognises property developers who have demonstrated high corporate performance and quality governance standards. Ideal Property Group is one of the most established names in Malaysia's real estate industry and has won several awards for developing high-quality, low-cost homes in Penang. The FIABCI Malaysia Awards is another event that honours property developers and projects in Malaysia. Mah Sing Group Bhd and OSK Property Sdn Bhd are some of the property groups that have won awards at the Malaysia Property Awards 2021.

                                                                                    Source: Malaysia Developer Awards 2022

Investing in a home is a significant decision, and as a first-time homebuyer, making informed decisions is essential. By considering factors such as location, market trends, property type, and developer reputation, you can ensure that you invest in your future and make a sound financial decision.

Remember, don't just buy a house - invest in your future!

Check out more MUST-READ articles related to First-Time homebuyer Now:

Discover Your Dream Home😍: Top Recommended Projects Tailored for First-Time Homebuyers in Malaysia

Why First-Time Home Buyers in Malaysia Should Act Now: Understanding the Advantages 🗸


BlueDuck Team

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Discover Your Dream Home😍: Top Recommended Projects Tailored for First-Time Homebuyers in Malaysia

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Did you know that Malaysia's property market is expected to grow in the coming years, making it a prime time for first-time homebuyers to invest in their dream home? 

According to data from the National Property Information Centre (NAPIC), the country's property market has steadily increased transactions, with residential properties being the most sought-after among buyers. However, with so many options available, finding the perfect home that fits your budget and preferences can be overwhelming.

So whether you're looking to settle down or looking for a lucrative investment opportunity, this list has got you covered!

Eco Botanic, Johor Bahru

Eco Botanic is a mixed-use township project developed by Eco World Development Group Berhad in Johor Bahru, Malaysia. The project is located in Iskandar Puteri and was launched in 2015.

                                                                                                            Source: Prop Social

Eco Botanic 2 is an extension of the first Eco Botanic township, launched in 2020, and is located adjacent to it. The 193-acre freehold Eco Botanic 2 has a gross development value of RM1.67 billion and is 50% developed. The project includes 2-storey houses, terraced and garden homes, 3-storey shop offices, and apartments. The development is expected to be completed by 2025.

Sunway Iskandar, Johor Bahru

Sunway Iskandar is an award-winning integrated township developed by Sunway Iskandar Sdn Bhd, a subsidiary under the Sunway Group, in Johor Bahru, Malaysia. The township spans 1,800 acres and is located in Sunway City Iskandar Puteri. 

Source: Sunway Property Iskandar Puteri

Sunway Iskandar is a sustainable environment and a master community developer with the capability and capacity to build, own, and operate the communities it built. The development includes the GRID Residence, a 99+30 years leasehold condominium development. 

Tropicana Aman, Kota Kemuning

Tropicana Aman is a self-contained mixed development project developed by Tropicana Corporation Berhad in Kota Kemuning, Selangor, Malaysia. The development spans across 863 acres of land and offers residential and commercial spaces, a Recreational Hub, Tenby International School, SJK (C) Bukit Fraser, and an 85-acre Central Park. 

                                                                                                      Source: Tropicana Aman

Tropicana Aman is designed to acquaint residents with the alluring qualities of nature, including the greenery of the central park, 7km of trails and paths, and the recreational hub encircled by foliage and glistening water.

Aspire Residence, Cyberjaya

ASPIRE Residence by SPNB, Cyberjaya is a high-rise development located in Cyberjaya, Selangor. The development comprises 1,220 serviced apartments ranging from 450 to 900 square feet in size. The development is designed with a modern contemporary theme and offers various facilities such as a swimming pool, gym, and sky garden.

                                                                                 Source: PropSocial

As for its location, ASPIRE Residence is strategically located near major highways such as the MEX and ELITE highways. It's also near institutions of higher learning such as Limkokwing University and Multimedia University, making it a great option for students and working professionals. The development is targeted towards young professionals, students, and small families due to its convenient location and range of unit sizes.

                                                                     If you’re looking, contact Cicy from KW Malaysia +60 19-695 0771.

                                                                                     (Contact link:

Source: PropertyGuru

Residensi Dian II 

Residensi Dian II is a serviced apartment located along Persiaran Sukan in Seksyen 13, Shah Alam, Selangor, Malaysia. The development is slated for completion in 2026. It comprises 1,500 units of serviced apartments that range from 400 to 1,000 square feet in size. The development offers various facilities such as a gym, playground, and function hall. It's also conveniently located near major highways and various amenities such as shopping malls, schools, and hospitals. 

                                                                                                    Source: iProperty

The development offers 16 residential units for sale, with facilities and amenities such as car park, children's playground, gymnasium room, jacuzzi, landscaped garden, multi-storey car park, multi-purpose hall, reading room, 24-hour security, surau, swimming pool, and wading pool. Overall, Residensi Dian II offers a unique living experience with its Balinese-inspired design and range of facilities. It's a great option for those who are looking for a comfortable and accessible place to call home.

                                                                   If you’re looking, contact Cicy from KW Malaysia +60 19-695 0771.

                                                                                     (Contact link:

                                                                                               Source: The Edge Market

Remember always to research and seek professional advice to make an informed decision. BlueDuck wish you Happy house hunting! 🏘️

Check out more MUST-READ articles related First-Time homebuyer Now:

Don't Just Buy a House, Invest in Your Future: Tips for First-Time Homebuyers 🌱

Why First-Time Home Buyers in Malaysia Should Act Now: Understanding the Advantages 🗸

BlueDuck Team
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<Special> Revamp your home for Raya with these ‘SUPER JIMAT’ decoration ideas 💡💡💡

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As the holy month of Ramadan draws to a close, Muslims worldwide look forward to celebrating Eid al-Fitr, also known as Hari Raya Aidilfitri. This joyous occasion is a time for forgiveness, family, and feasting. It's also a time for revamping your home with festive decorations.

However, decorating for Raya can be expensive. Fortunately, there are 'SUPER JIMAT' decoration ideas that you can use to revamp your home without breaking the bank.

  1. Use Rattan Furniture and Woven Mats

Rattan furniture and woven mats are a staple of traditional Malay decor. These items are not only affordable but also eco-friendly. Rattan furniture is durable and can last for years. Woven mats are versatile and can be used as table runners, wall hangings, or even cushion covers.

     2. Create a DIY Floral Arrangement

Flowers are an essential part of Raya decorations. However, buying fresh flowers can be expensive. Instead, create a DIY floral arrangement using artificial flowers. You can find affordable artificial flowers at your local craft store or online. Arrange them in a vase or basket, and add some greenery for a fresh and festive look.

      3. Hang Paper Lanterns

Paper lanterns are a cost-effective way to add some Raya cheer to your home. You can find affordable paper lanterns at party supply stores or online. Hang them from your ceiling or trees in your yard for a festive ambiance.


       4. Decorate with Traditional Malay Items

Incorporate traditional Malay items into your Raya decorations. These can include batik textiles, kampung-style ceramics, or even bamboo fans. Not only are these items affordable, but they also add a touch of cultural significance to your home.

        5. Make Your Own Decorations

Get creative and make your own Raya decorations. This can include paper bunting, fabric garlands, or even paper flowers. You can find tutorials online or create your own designs. Not only will this save you money, but it's also a fun activity to do with your family.

        In conclusion, decorating for Raya doesn't have to be expensive. Speaking of saving money, have you heard about our business's zero deposit program? It's a fantastic way to rent a unit without paying a deposit upfront. That means you can allocate those saved funds towards other expenses, such as decorations and other necessities for your Hari Raya celebration. So, you can save money on renting a unit and use those savings to make your Hari Raya celebration even more special. Pretty cool, huh?


Feel free to learn more at //!

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