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 …
Buy Now, Pay Later (BNPL) is a short-term financing option that allows consumers to purchase goods or services immediately and pay for them in installments, often interest-free (if repaid on time). It has gained popularity as an alternative to credit cards, especially among younger consumers and those without access to traditional credit. How BNPL Works …
Financial literacy is the cornerstone of sound personal finance. It empowers individuals to make informed decisions about their money, enabling them to achieve financial stability, avoid debt, and plan for the future. In a world where financial products and services are becoming increasingly complex, understanding the basics of personal finance is no longer a luxury—it’s …
Owning a home is often considered a significant milestone and a lifelong dream for many Malaysians. However, the journey to homeownership involves more than just saving for a down payment or securing a housing loan. The true cost of homeownership in Malaysia extends far beyond the property’s price tag, encompassing a range of hidden and …
The tax filing season for YA2024 has started, so I have prepared this article for you as a reference. The images below show the personal tax reliefs available to be claimed. Make sure you have the receipts or proof when you claim the respective relief. Keep the proof for at least seven years in case …
Amanah Saham Malaysia (ASM) and Amanah Saham Bumiputera 2 (ASB 2) has declared their latest dividends on 27 March 2025. The dividends are payable on 1 April 2025. ASM Its dividend is RM 0.05, equals to a dividend rate of 5.00%. It is an increase of 5.26% from 2024. ASB 2 Its dividend in 2024 …
Recently, the stock markets worldwide are experiencing volatile movement. Our own KLCI has dropped by more than 8% year-to-date, and we have not even reached a quarter of the year. Navigating a volatile market can be challenging, but with the right strategies, you can protect your finances and even find opportunities. So, what should we do …
Earning more income requires a combination of strategic planning, skill development, and leveraging opportunities. In Malaysia, you can explore a variety of side hustles and passive income strategies. Here are some practical ways to earn extra income: 1. Upskill and Educate Yourself 2. Start a Side Hustle 3. Invest Wisely 4. Leverage the Gig Economy …
The Employees’ Provident Fund (EPF) has declared its dividend for 2024. The rate for conventional savings is 6.30% (2023: 5.50%). It is the same (2023: 5.40%) for Simpanan Shariah. This is the first time that both types of accounts having the same dividend rate. This dividend rate is better than what I expected. Dividend history …
