Retirement is a dream many Malaysians look forward to—a time to relax, travel, and enjoy life without the daily grind. Retirement should be about freedom—not financial stress. But with rising costs, how much do you really need to retire worry-free in Malaysia? The answer depends on your lifestyle, location, and financial planning. The truth? Most …
Month: July 2025
The recent reduction in Malaysia’s Overnight Policy Rate (OPR) by 0.25% is more than just a headline—it directly affects your loans, savings, investments, and financial future. Whether you’re a homeowner, an investor, or simply trying to grow your savings, understanding these changes can help you make smarter financial decisions. Let’s break it down. 1. Lower …
Surviving solely on your Employees Provident Fund (EPF) in Malaysia is possible, but it depends on several factors, including your savings, lifestyle, and retirement strategy. Let’s break it down with a case study. Case Study: Can a Malaysian Retire on EPF Alone? Assumptions: Scenario 1: Withdrawing EPF as a Lump Sum If you withdraw RM500,000 …
As our parents age, many of us step into the role of financial caregivers—balancing their needs with our own financial goals. In Malaysia, where family ties are strong, supporting aging parents is both a cultural expectation and a personal responsibility. But how can you do this without straining your own finances? Here’s a practical guide …
