US Tech Stocks: Still Worth Buying in 2025?

 

Introduction: Is the Tech Hype Over — Or Just Beginning?

It’s 2025, and US tech stocks are back in the spotlight.

After a volatile few years marked by rate hikes, AI disruption, and macro uncertainty — the Nasdaq has rebounded strongly. Some big names even hit new all-time highs.

But is it still worth investing in tech?
Or have we already missed the boat?

For Malaysians watching from the sidelines (or holding a few US stock positions already), this post unpacks the current tech landscape — the upside, the risks, and how to get started smartly in 2025.

1. Tech Stocks: Quick Recap of Recent Years

Here’s how things have unfolded:

Year	Major Events	Market Impact
2021	Tech boom continues post-COVID	Nasdaq +21%
2022	Inflation + rate hikes hit valuations	Nasdaq -33%
2023	Recovery begins, AI narrative builds	Nasdaq +43%
2024	Generative AI explodes, chipmakers rally	Big tech leads recovery
2025	AI productivity starts delivering results	Selective tech outperforms S&P 500

Big winners like Nvidia, Microsoft, Meta, and AMD have driven much of the gains — but even less hyped companies like ServiceNow, Snowflake, and Arm are growing fast.

2. Why US Tech Still Has Room to Run in 2025

🚀 1. AI Adoption Moving from Hype to Productivity

AI was last year’s buzzword — but in 2025, it’s becoming mainstream in business ops.

• Enterprises are integrating AI to reduce costs, streamline hiring, and boost output

• Companies building foundational models (OpenAI, Anthropic) are getting big investments

• Hardware (GPUs, data center chips) continues to be in hot demand

Malaysia’s own tech firms are riding this demand via the semiconductor supply chain.

🌍 2. Global Demand for US Tech Products Still Strong

Despite geopolitical tensions and some reshoring, US firms dominate:

• Cloud services (Amazon, Google, Microsoft)

• AI tools and platforms

• Software-as-a-Service (SaaS)

Their global customer base ensures resilience even when local economies slow.

💡 3. Innovation Keeps Flowing

The US tech sector remains a magnet for talent and capital.
Trends worth watching:

• AI + robotics (Boston Dynamics, Tesla)

• Quantum computing (IBM, IonQ)

• AR/VR (Apple Vision Pro rollout)

• Renewable tech + smart grid (Tesla, Enphase)

Investing in tech is a bet on future productivity, not just short-term earnings.

3. What Malaysians Should Consider Before Investing

🔁 Currency Risk

US investments are in USD — if the Ringgit weakens further, your returns in MYR improve.
But if USD drops, your gains may shrink.

✅ Tip: Use platforms like StashAway, Syfe, Wahed to invest in USD-denominated ETFs. These platforms help manage FX conversion and fees automatically.

🧠 Knowledge & Emotional Readiness

Tech stocks are volatile.

If you panic during a 10% dip — tech may not be for you.
But if you understand the long-term thesis and ride the waves — tech can be hugely rewarding.

4. How to Get Exposure to US Tech Stocks

🔹 Direct Stocks (via brokers like IBKR, Moomoo, Rakuten US)

You can buy:

• Individual companies (Apple, Nvidia, Meta)

• But you must do your own analysis

🔹 Tech-Focused ETFs

ETF Name	Exposure	Ticker	Annual Return (5Y Avg)
Invesco QQQ	Top 100 Nasdaq stocks	QQQ	~16%
Vanguard Info Tech	Broad tech industry	VGT	~18%
Global X Robotics	Automation + AI	BOTZ	~12%
ARK Innovation	Disruptive tech (high risk)	ARKK	~10% (high volatility)

✅ ETFs are great for diversification and hands-off investing.

5. Case Study: Investing with RM1,000 Monthly

Let’s say you start now, investing RM1,000/month into a tech ETF like QQQ.

At an average return of 10%:

Time Horizon	Total Invested	Portfolio Value
5 years	RM60,000	~RM77,000
10 years	RM120,000	~RM190,000
20 years	RM240,000	~RM590,000

💡 Investing in tech is less about “timing” and more about time in the market.

6. But What About the Risks?

Tech investing isn’t risk-free.

🔻 Valuation Risk

Some stocks still trade at high P/E ratios — any slowdown may hit them hard.

🌐 Geopolitical Risk

US-China tensions, export restrictions, or cybersecurity regulations could impact global operations.

🧮 Regulatory Risk

Antitrust pressure is building on big tech (especially Meta, Google, Apple) from US and EU regulators.

✅ Don’t go “all-in” on a single name. Diversify with ETFs or across sectors.

7. Should You Still Buy Now — or Wait?

Yes, valuations have risen — but waiting forever for a “crash” often means missing the gains.

✅ Best approach?

• Start small

• DCA monthly

• Rebalance your portfolio every 6–12 months

Don’t try to guess the top or bottom. Ride the trend with discipline.

8. Should Malaysians Worry About Withholding Tax?

Yes, US dividends are subject to 30% withholding tax.

Example:

• Apple pays $1 dividend/share → You receive $0.70/share

• Malaysian tax-residents cannot offset this unless via treaty (not applicable directly)

✅ Solution: Focus on growth tech stocks or accumulation ETFs that don’t pay out dividends (e.g. QQQ, VGT)

Final Thoughts: Stay Smart, Stay Global

The world is getting smaller.
Malaysians no longer need to limit investing to local stocks and fixed deposits.

The US tech sector remains a powerhouse of innovation, profitability, and global impact.

If you're ready to embrace long-term investing — and can stomach some short-term volatility — tech remains a smart play in your portfolio.

✅ Start small
✅ Automate your contributions
✅ Keep learning

Because while trends come and go, technology isn't going away.

Tiger Trade Malaysia: Trade US and Singapore Stocks with Ease (Get USD 90 Bonus!)

 

🌏 Introduction: A World of Opportunities for Malaysian Investors

In today’s global market, limiting your investments to Bursa Malaysia may hold you back. Imagine owning a piece of Apple, Tesla, Microsoft, or even top Singapore banks like DBS and OCBC—all from a single app.

This is where Tiger Trade shines. It’s an award-winning platform by Tiger Brokers, a NASDAQ-listed company (TIGR), designed to give Malaysian investors access to global markets with low fees and high efficiency.

If you’ve ever wanted to diversify into US and Singapore shares while keeping costs down, this platform deserves your attention.

🐯 Why Tiger Trade?

Tiger Trade is not just another trading app. It combines low brokerage fees, advanced trading tools, and a user-friendly interface that caters to both beginners and seasoned investors. Here’s why it’s becoming a popular choice:

1. Trade Global Stocks Easily

With Tiger Trade, you can trade:

• US stocks like Apple (AAPL), Tesla (TSLA), and Nvidia (NVDA).

• Singapore stocks and REITs such as CapitaLand Integrated Commercial Trust and DBS Bank.

• Other markets like Hong Kong, China A-shares, and ETFs—all from one app.

This means you no longer need multiple broker accounts to access international stocks.

2. Low Brokerage Fees

Traditional brokers often charge high fees—especially for US stocks. Tiger Trade is significantly cheaper:

• US stocks: From USD 0.01 per share (min. USD 1.99 per trade).

• Singapore stocks: From SGD 1.99 per trade.

• Fractional US shares: Start with just USD 1.

These savings add up quickly, especially for frequent traders.

3. Fractional Shares

Don’t have USD 800 to buy one Tesla share? No problem! You can buy a fraction of a share starting from just USD 1, making high-priced stocks accessible to everyone.

4. Advanced Tools and Real-Time Data

Tiger Trade is equipped with professional tools like:

• Advanced charts with 30+ indicators.

• Real-time Level 2 data for US stocks.

• Comprehensive market news and analysis.

Yet, the app is designed to be simple enough for beginners to navigate.

5. Paper Trading for Beginners

Not ready to risk real money? Use the paper trading mode to practice and test strategies without losing a single sen.

💡 Why Malaysians Should Care

With the US tech boom and Singapore’s stable REITs market, many Malaysian investors are looking beyond local stocks for better returns. Tiger Trade offers a convenient gateway to global markets, with competitive fees that traditional brokers can’t match.

📱 How to Get Started in Malaysia

Opening an account with Tiger Trade is straightforward:

1. Download the Tiger Trade app (iOS or Android).

2. Sign up and verify your identity (NRIC, passport, etc.).

3. Fund your account via FPX or bank transfer.

Most accounts get approved within 1–2 working days.

🎁 Exclusive Promo: Earn USD 90 as a New User

Here’s the latest welcome offer:

• Deposit at least USD 100 into your Tiger Trade account.

• Maintain the funds for 30 days.

• Earn USD 3 per day, up to a total of USD 90.

This bonus is essentially free trading capital to help you get started.

Sign up via my referral link today to claim your USD 90 bonus:
👉 Click Here

⚠️ Risks to Keep in Mind

While global investing offers better opportunities, it also comes with risks:

• Foreign exchange fluctuations can affect your returns.

• Market volatility (especially in US tech stocks).

• Overtrading due to easy access—remember to stick to your investment plan.

🎯 Final Thoughts

Tiger Trade is a game-changer for Malaysians who want to invest globally without breaking the bank on fees. Whether you’re eyeing US giants like Apple or Singapore REITs for passive income, this platform makes it simple and cost-effective.

Ready to trade globally?
Sign up now via my Tiger Trade referral link and earn up to USD 90 as a welcome bonus.

Crypto’s Comeback in 2025: What Malaysians Should Know Before Jumping In

 

📰 Introduction: Is Crypto Back for Real?

It feels like déjà vu. Bitcoin is back on headlines. Ethereum’s picking up steam. Altcoins are buzzing on Reddit again.

For many of us, the question isn't “what is crypto?” anymore. It's “is now a good time to get back in?”

Well, numbers don't lie. As of July 2025:

• Bitcoin has surpassed USD 100,000, hitting a new all-time high.

• Major institutions like BlackRock and Fidelity are expanding their crypto offerings.

• Regulatory frameworks in regions like the US and EU are maturing—boosting investor confidence.

Crypto is no longer just a speculative gamble. It’s becoming a serious alternative asset class, and Malaysians are taking notice.

🔍 Why the Crypto Market Is Surging Again

So what’s fueling this new wave?

1. Spot Bitcoin ETFs Approved in the US
   The SEC’s green light for ETFs has opened the floodgates for institutional investment. With funds flowing in, retail investors are riding the momentum.

2. Global Inflation & Devaluation Concerns
   Investors are looking for assets that hedge against fiat currency risks. Crypto, especially Bitcoin, is increasingly seen as “digital gold.”

3. Broader Acceptance
   PayPal, Visa, and even some Malaysian platforms now accept or integrate crypto options. The ecosystem is maturing.

4. Halving Effect
   Bitcoin’s halving in April 2024 reduced supply issuance, and historically, this triggers a price rally 12–18 months after.

💡 What Malaysians Should Know Before Buying

If you’re just starting—or coming back—don’t just dive in based on FOMO. Here are key things to consider:

1. Start Small & Steady

Don’t throw your entire savings in. Crypto is still volatile. A simple rule?
Only invest what you’re willing to leave untouched for 3–5 years.

2. Understand the Coins

Don’t just follow TikTok trends. Learn the use case of each coin:

• Bitcoin: Store of value

• Ethereum: Smart contracts and DeFi

• Solana/Polkadot: High-speed networks

• Stablecoins (USDT/USDC): Good for parking crypto in stable value

3. Stick to Regulated Platforms

Avoid dodgy exchanges or “Whatsapp crypto groups.” Stick with licensed exchanges like Luno, which is approved by Securities Commission Malaysia.

4. Keep Emotions in Check

Crypto markets can swing wildly. Price drops of 20–30% are normal in crypto—even during bull runs. Always zoom out and stay long-term.

📊 Sample Scenario: If You Had Invested RM250 in Bitcoin…

Let’s say you used Luno to buy RM250 of Bitcoin in late 2022, when BTC was around USD 16,000. That would’ve been roughly 0.003 BTC.

Fast forward to mid-2025:

• BTC is now at USD 100,000+

• Your RM250 investment? Worth nearly RM1,560+

• That’s a 520% return

Of course, past returns are no guarantee for the future. But it shows the potential of long-term investing—even with small amounts.

🧠 Where to Buy? Why I Recommend Luno for Malaysians

If you're looking for a safe, beginner-friendly platform, Luno ticks all the boxes:

✅ Luno Features Malaysians Love:

• Licensed by Securities Commission Malaysia

• Supports FPX bank transfers

• Clean, simple mobile app

• Supports BTC, ETH, LTC, XRP, ADA, and more

• Educational content built-in

• Option to schedule recurring buys (Dollar Cost Averaging)

You don’t need RM10,000 to start. Even RM50–RM100 per month adds up.

🎁 Sign Up Bonus: Get RM75 Free with My Luno Promo Code

Yes, you read that right.
If you're new to Luno, use my referral code and you’ll get RM75 in Bitcoin once you buy RM250 worth of crypto.

Here’s how:

1. Sign up for a free account at Luno.com or download the app

2. Enter my referral code during sign-up:
   👉 📌 4FARC8

3. Deposit and buy RM250 worth of Bitcoin

4. Get RM75 in BTC, automatically added to your wallet

💬 That’s like getting a 30% boost on your first investment—instantly.

🚨 Risks to Watch Out For

Let’s be honest—crypto isn’t a magic money machine.

🔺 Price volatility: 20–50% swings can happen in a month
🔺 Scams: Never trust strangers offering guaranteed returns
🔺 Security: Enable 2FA, and don’t share your passwords
🔺 Emotions: Fear and greed ruin portfolios—stick to your plan

If you treat crypto like a get-rich-quick scheme, you’ll likely get poor quickly. But if you see it as a long-term technology investment, you’ll be better prepared for the journey.

🧠 Final Thoughts: Don’t Miss the Crypto Train, But Ride It Wisely

Cryptocurrency is clearly here to stay. The real question isn’t “should I invest?”—but “how should I invest wisely?”

With platforms like Luno, you can begin with small steps and build up over time—no trading experience needed. Think long-term, automate your buys, and diversify where possible.

🚀 Ready to get started?
🎁 Use my Luno referral code and get RM75 in BTC when you buy your first RM250 worth of crypto.

👉 Sign up now at Luno.com
🔑 Referral Code: 4FARC8

Here’s to smart investing in the digital age!

Is a Recession Coming? What Malaysians Should (and Shouldn’t) Do Now

 

Introduction: Recession Fears Are Rising — But Should You Panic?

2025 has brought more than just AI hype and tech buzz.
There’s an underlying concern shared by investors, businesses, and everyday Malaysians alike:

“Is a recession coming?”

With rising interest rates, slowing global growth, weak Ringgit performance, and export sector contractions, the question is fair.

But here’s the thing — a recession is not the end of the world.
It’s a natural part of the economic cycle.

This post is designed to help you think clearly and act wisely — whether or not a recession hits in Malaysia or globally.

1. What Exactly Is a Recession?

A recession is typically defined as:

Two consecutive quarters of negative GDP growth.

But beyond textbook definitions, what it feels like is:

• Rising unemployment

• Slower business activity

• Falling consumer confidence

• Stock market volatility

Malaysia has faced several recessions before — 1997, 2008, 2020 — and each time, those who stayed disciplined came out stronger.

2. Is Malaysia Heading for a Recession in 2025?

Let’s look at some indicators:

Indicator	Current Status (2025)
Global Growth Forecast	Lowered to ~2.5%
Malaysia GDP Growth	Expected 3.8% (down from 5%)
Ringgit Performance	Weak against USD & SGD
Exports & Manufacturing	Softening since Q4 2024
OPR (Interest Rate)	2.75% – cooling demand

Conclusion?
Not a confirmed recession — but certainly economic slowdown territory.

And for individuals, the strategy is the same:
Prepare early. Stay flexible. Invest smart.

3. What Malaysians Should Do Right Now

Here’s your recession-ready checklist:

✅ a) Build (or Rebuild) Your Emergency Fund

• Aim for 3–6 months of essential expenses

• Keep it in high-yield accounts or ASB

• Avoid locking all cash in long-term investments

💡 Emergency fund = peace of mind when jobs or incomes are hit.

✅ b) Reevaluate Job & Income Stability

Ask yourself:

• Is my industry recession-resilient?

• Do I have multiple income streams?

• Can I start a freelance gig or remote job?

💼 Sectors like healthcare, education, essential goods, and tech support tend to be more resilient.

Don’t wait till retrenchment news to diversify your income.

✅ c) Keep Investing (But Smarter)

Yes, keep investing — but with discipline.

Stick to:

• Dollar-Cost Averaging (DCA): fixed monthly contributions

• Diversified ETFs: like Malaysia’s TradePlus Shariah Gold Tracker or US-based VOO, QQQ (via platforms like StashAway or Syfe)

• Dividend Stocks & REITs: consistent income, even in down markets

Don’t try to time the market. Time in the market wins.

✅ d) Trim Unnecessary Lifestyle Inflation

A recession is the perfect time to audit your spending:

• Subscription creep? Cancel unused ones.

• High bills? Look for cheaper telco/electricity plans.

• Dining out too often? Rediscover your kitchen!

Living lean during uncertainty doesn’t mean sacrificing joy — it means choosing priorities.

4. What Malaysians Shouldn’t Do During a Recession

❌ Panic Sell Investments

Markets may dip — but history shows they always recover.
Locking in losses out of fear can destroy long-term wealth.

❌ Rely on High-Interest Debt

Avoid:

• Credit card debt

• Buy-now-pay-later traps

• New car loans unless absolutely essential

During downturns, interest payments can snowball — and lenders may tighten credit access.

❌ Delay Important Insurance or Protection

Medical emergencies or job loss are more damaging during a recession.
Make sure:

• You have basic life & health insurance

• You understand your EPF i-Lindung coverage

• You’re not underinsured

5. Use the Downturn as an Opportunity

While fear dominates headlines, smart investors know — downturns create long-term opportunity.

What to look for:

• High-quality stocks or ETFs at lower prices

• Career upskilling: certifications, tech skills, freelancing

• New business ideas: Many great companies were born during recessions (e.g., Airbnb, Uber)

✅ Recessions reward the prepared and punish the reckless.

6. Malaysian Case Study: Recession Resilience in 2020

Let’s rewind to the pandemic-induced recession.

• Sam, 31, lost his tourism job in 2020.

• Instead of panicking, he used his savings to enroll in a digital marketing course.

• By 2022, he was freelancing for US clients, earning in USD.

• Today, in 2025, he earns RM12k/month — remotely.

📌 Lesson:
Use recessions as transformation periods — not excuses for defeat.

7. Where to Park Your Money Safely in Uncertain Times

Here’s a summary of low-risk places to park funds:

Investment Type	Return Range	Risk Level	Liquidity
Fixed Deposit	3.5–4%	Low	Medium
ASB/ASN (Malaysians)	4–5% avg	Low	High
Short-Term Bond Funds	3–4.5%	Low	High
Takaful Savings Plans	2.5–4%	Low	Low

✅ Always balance safety with access. Keep some cash liquid!

8. Should You Delay Big Purchases?

It depends.

🏠 Buying Property?

✅ If it’s your first home, and interest rates suit your budget — go ahead.
❌ If you’re stretching your finances to upgrade, maybe wait.

🚗 Buying a Car?

✅ Buy only if needed for work/family
❌ Avoid car upgrades during economic uncertainty

9. Stay Informed — But Don’t Get Paralyzed

Read financial news — but don’t let it ruin your day.

Trusted sources:

• The Edge Markets (Malaysia)

• BNM Updates

• RinggitPlus, iMoney for local insights

You don’t need to be an economist.
You just need to stay grounded and make smart moves.

Final Thoughts: It’s About Preparation, Not Prediction

No one knows for sure if a recession is coming in 2025.
But one thing is certain — the prepared will always fare better than the panicked.

✅ Build your buffer
✅ Diversify income
✅ Stick to sound investment strategies
✅ Be ready to adapt

Because whether it’s a slowdown or a storm, your financial ship can sail through — if you’re the captain of your own fate.

How to Start Investing with Rakuten Trade (Plus Get Exclusive Perks with My Promo Code!)

 

🧭 Introduction: Investing Has Never Been This Easy in Malaysia

If you've been sitting on the sidelines, watching others grow their wealth through stocks and ETFs, there’s good news—you don’t need to feel left out anymore.

Investing has become incredibly accessible in Malaysia, especially with online brokerages like Rakuten Trade. Whether you're looking to dip your toes into Bursa Malaysia stocks, or venture into the US stock market, Rakuten Trade makes it beginner-friendly, affordable, and fuss-free.

In this post, I’ll walk you through:

• What Rakuten Trade offers

• How to get started

• The unique perks and rewards you’ll get (especially with my referral code)

• A few tips for first-time investors

🎯 Why Rakuten Trade Is a Game-Changer for Malaysians

Rakuten Trade is Malaysia’s first fully digital equity broker, backed by Kenanga Investment Bank and Japan’s Rakuten Securities.

It was designed to make investing accessible to everyone—without all the complicated paperwork or high fees traditionally associated with brokerages.

✅ Key Features:

• Low Brokerage Fees:
  Bursa trades as low as RM7 per transaction.

• US Market Access:
  Invest in US stocks and ETFs with just RM1 brokerage fee (promo for 3 months—more below).

• Fully Online Account Opening:
  No branch visits, no printing documents. Everything is digital via their app or website.

• RT Points Reward Program:
  Every trade earns you points that you can redeem for fee rebates or vouchers.

• Fractional US Share Trading:
  Own pieces of big-name US stocks like Apple or Tesla with minimal capital.

🪪 Step-by-Step Guide to Open an Account with Rakuten Trade

Here’s how easy it is to get started:

Step 1: Register Online

Go to Rakuten Trade's website.

Click Open an Account and fill in the form with your details:

• Name, NRIC, Address

• Employment Status & Income

• Select Account Type (Bursa or Dual Market)

Step 2: Upload Documents

You’ll need:

• Copy of NRIC (front & back)

• Proof of address (utility bill, EPF statement, etc.)

• Income proof (for US trading access)

Everything can be uploaded directly.

Step 3: Activate and Fund Account

Once approved, you’ll receive your account number via email/SMS.

Fund your account via FPX (instant transfer).

🌏 Dual Market Feature: Bursa + US Stocks in One App

This is one of Rakuten Trade’s biggest selling points—you can trade both Malaysian and US stocks in ONE platform.

✅ Bursa Malaysia:

• Trade over 1,000 local stocks

• Brokerage as low as RM7

• No hidden fees or platform charges

✅ US Stocks & ETFs:

• Fractional shares available

• Instant FX conversion via Rakuten Trade Wallet

• Low commission rate (even lower during promo periods!)

💎 Your First Time Investment Perks (When You Use My Referral Code)

Now here’s the fun part—you’re rewarded just by signing up!

When you register using my Rakuten Trade referral code, you’ll get:

• 🎁 1,000 RT Points upon account activation

• 🎁 FREE Brokerage Fee on your first Bursa trade

• 🎁 RM1 Brokerage Fee on ALL US trades for 3 months!

That means:

• You can try trading local stocks with zero risk on fees for your first trade.

• You can invest in US stocks with just RM1 per trade for a full 3 months.

• You’ll also start accumulating RT Points from day one, which can later be redeemed for brokerage rebates or vouchers.

Here’s my referral link:
👉 Sign up here and unlock your perks!

🧠 Tips for First-Time Investors Using Rakuten Trade

To make the most of your new account, here are some friendly tips:

1. Start Small:
   Begin with a small amount—Bursa stocks like REITs, banks, or ETFs are good starting points.

2. Try US Fractional Shares:
   You don’t need RM5,000 to buy Amazon or Tesla. Start with fractional shares for as low as USD10.

3. Use RT Points Wisely:
   Redeem points for brokerage rebates—it’s better than vouchers if you plan to trade more.

4. Understand Currency Risks:
   US stocks require USD. Rakuten Trade automatically converts MYR via their FX wallet—but keep an eye on forex fluctuations.

5. Set a Long-Term Plan:
   Don’t just trade for fun—focus on long-term investing goals.

✍️ Common Questions (And Honest Answers)

Q: Is Rakuten Trade safe?
Yes, it’s licensed by Securities Commission Malaysia and backed by Kenanga Investment Bank.

Q: Can I trade other markets besides US and Malaysia?
Currently, Rakuten Trade supports only Malaysia & US markets—but they keep expanding.

Q: What happens after the 3-month US promo?
You’ll revert to their standard US trading fees—but you can still trade fractional shares at affordable rates.

🎁 Final Thoughts: Take Your First Step Toward Investing Freedom

Many Malaysians still think investing is “only for rich people.” That’s no longer true.

With platforms like Rakuten Trade, you can start investing with as little as RM100, without leaving your home, and with minimal fees.

✅ Bursa + US market access
✅ Simple, fast account opening
✅ Fractional shares available
✅ Reward points and referral perks

If you’ve been waiting for a reason to get started, this is it.

👉 Sign up via my referral link below and enjoy your perks:

🔗 Click here to start and claim your Rakuten rewards!

Your future self will thank you for starting today.