“Risk is not volatility. Risk is the permanent loss of capital.” This simple yet profound distinction by Howard Marks reshapes how we think about risk management. Many people conflate risk with short-term price swings—volatility—but true risk is far more consequential. The Misconception of Risk as Volatility The stock market goes up and down daily. Headlines …
Month: May 2025
The Malaysian Ringgit (MYR) has been under pressure against the US Dollar (USD), making everything from overseas education to imported gadgets more expensive. If your savings are purely in MYR, their purchasing power is shrinking in global terms. Why a Weak Ringgit Hurts Your Savings & Investments 📍 MYR Savings Lose Value in Global Terms …
🔥 Why It Matters Now Actionable Strategies 💡 Step 1: Track & Slash Expenses (Without Miserable Living) 📉 Budgeting Hacks ✔ 50/30/20 Rule ✔ RM5 Challenge (or any other note) ✔ Use Cashback Apps ✔ Cut These “Silent Budget Killers” ✔ Track spending 🍚 Step 2: Save on Groceries & Daily Needs 🛒 Smart Grocery …
Constructing an investment portfolio requires careful planning based on your financial goals, risk tolerance, and investment horizon. Here’s a structured approach to building a diversified investment portfolio in Malaysia: 1. Define Your Investment Goals 2. Assess Your Risk Tolerance 3. Asset Allocation A well-diversified portfolio in Malaysia may include: A. Equities (Stocks) B. Fixed Income …
The National Higher Education Fund Corporation (PTPTN) has recently declared the dividend for Simpan SSPN Prime. Its FY2024 dividend is 4.05%. Dividend history Click here to see Simpan SSPN Prime past dividends. This dividend is 12.5% higher than the rate last year and is the highest in the last 10 years. My view For me, Simpan SSPN …
