Inisiatif Pendidikan dan Kesedaran Pelabur Investsmart®

Pada tahun 2025, Suruhanjaya Sekuriti (SC) terus memperkasa para pelabur melalui inisiatif InvestSmart®, bagi membolehkan rakyat Malaysia membuat keputusan pelaburan yang termaklum dan yakin. Usaha pada tahun ini bercirikan pendekatan jangkauan nasional yang meluas selain daripada program bersasar untuk komuniti yang kurang mendapat perkhidmatan, serta penggunaan strategik platform digital bagi memastikan pendidikan pelabur kekal relevan, mudah diakses dan berimpak.

Sebagai Pengerusi Bersama Rangkaian Pendidikan Kewangan (Financial Education Network, FEN), inisiatif pendidikan pelabur SC sepanjang tahun 2025 kekal tertumpu kepada usaha meningkatkan keupayaan kewangan rakyat Malaysia yang merangkumi bidang-bidang utama seperti pengetahuan kewangan, simpanan dan pengurusan belanjawan, kesediaan menghadapi kekangan kehidupan yang tidak dijangka, serta perancangan persaraan. Program-program SC ini menyokong dan memperkukuh inisiatif FEN yang lebih menyeluruh dalam membekalkan rakyat Malaysia dengan pengetahuan serta kemahiran bagi membuat keputusan kewangan yang berasaskan maklumat, di samping menggalakkan amalan dan tingkah laku kewangan yang bertanggungjawab.

Penglibatan Seluruh Negara

SC mengekalkan kehadiran yang kukuh di lapangan sepanjang tahun 2025, mencerminkan komitmen terhadap pendidikan pelabur di seluruh Malaysia:

Sasaran umum merangkumi golongan belia, pekerja gig, komuniti luar bandar, orang kurang upaya, kumpulan berasaskan agama serta pesara. Penglibatan ini meliputi bengkel literasi kewangan dan klinik pelaburan, di samping ceramah kesedaran penipuan serta seminar perancangan persaraan. Inisiatif ini bertujuan memastikan pelbagai segmen masyarakat Malaysia mempunyai akses kepada pengetahuan dan alat pelaburan yang penting bagi membolehkan mereka membuat keputusan kewangan yang lebih bermaklumat, tanpa mengira lokasi, latar belakang atau keadaan masing-masing.

Seiring dengan liputan geografi yang meluas ini, acara utama anjuran SC berperanan sebagai platform utama bagi penglibatan awam berskala besar.

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Mitigating Systemic Risks And Promoting Financial Stability

Enhanced Risk Governance Framework

In 2021, the SC-wide risk governance framework was enhanced as part of an overall initiative to have an effective integrated and predictive risk surveillance to maintain regulatory agility.

The structured risk governance framework integrated the wider spectrum of risks such as technology, cyber and conduct risk at the SC’s Systemic Risk Oversight Committee (SROC) and Accounting, Market and Corporate Surveillance Committee (ACMS).

Intensified surveillance

The SC continued to intensify its surveillance of systemic risk to maintain market resilience and stability. Regular SROC engagements were held to deliberate concerns emanating from various segments across the capital market. Domestic equity and bond market, foreign fund flows and trade participation continued to be monitored closely for potential stress points.

In addition, measures and economic stimulus packages introduced by the government to weather the impact of COVID-19, market trading conduct and the financial position of listed companies were among the focus areas for discussion.

Thematic assessments

The SC also conducted thematic assessments covering investors’ fund flows, the position of firms, and policy decisions to ascertain the possible impact on the capital market. In 2021, the SC reviewed and enhanced its crisis indicators on potential emerging risks in the
capital market.

The enhanced crisis indicators provided a reference point for escalation to SROC when the identified indicators and triggers materialised and ensured prompt response to manage and prevent any issues of concern that might lead to a systemic crisis.

Joint regulatory discussions

In 2021, the SC conducted frequent joint regulatory discussions with other authorities such as Bank Negara Malaysia (BNM) and Labuan Financial Services Authority (Labuan FSA) to identify systemic risk concern areas within the financial and capital markets in Malaysia.

Monitoring of various components of the capital market

The SC continued its efforts to undertake a methodological and integrated approach to ensure any potential systemic risk was being monitored, mitigated, or managed. Figure 1 highlights the findings from the following risk assessments on the various components of the capital market.