Your salary looks decent on paper. But inflation is quietly doing something your payslip doesn’t show you. You studied for four years. You passed your board exams. You work long shifts, counsel patients, manage drug interactions — and you earn a decent living for it. So why, at the end of the month, does it …
Your Financial Journey Deserves Better Than an Either-Or Choice As a Malaysian financial planner, I meet clients who often feel stuck between two extremes:“Should I save every ringgit safely in the bank, or invest everything for higher returns?” It’s a common question — and a dangerous one.Because when it comes to securing your financial future, …
Everything is up. Petrol. Groceries. Your regular teh tarik at the mamak. Most financial advisors will tell you to fight inflation by buying things: gold, REITs, or ASNB units. I’m going to tell you to fight inflation by not buying anything at all. Welcome to the “Kosong Method” of financial planning. Kosong means empty. No …
Let me show you something uncomfortable. A RM30,000 emergency fund sitting in a basic Maybank savings account earns 0.25% per year. That’s RM75. Meanwhile, Malaysia’s inflation rate in March 2026 was 1.7%. That same RM30,000 loses RM510 in purchasing power annually. Do nothing for three years? You’ve lost almost RM1,300. No emergency happened. You just got poorer by being …
The wait is finally over. National Higher Education Fund Corporation (PTPTN) has officially announced National Education Savings Scheme (Simpan SSPN) dividend rate for the previous financial year. If you’ve been following the news, you’ve probably seen the figure circulating. But as a licensed financial planner, I want to help you look beyond the headlines. Because …
If you are a dividend investor, Malaysian Real Estate Investment Trusts (MREITs) have likely been a cornerstone of your portfolio. They offer predictable passive income and historically came with a convenient tax feature: a flat 10% withholding tax on dividends. However, a significant regulatory change has taken effect, fundamentally altering how REIT distributions are taxed …
A client came to me recently, visibly frustrated. Both she and her husband had diligently contributed RM8,000 each into their child’s SSPN account—RM16,000 in total—expecting to claim RM16,000 in tax relief. Instead, they discovered they could only claim RM8,000 between them. She looked at me and said: “Why didn’t anyone tell us the rules changed?” If …
Every November, my calendar fills up with the same conversation. Clients message me in a panic, looking for last-minute receipts to lower their tax bill. They’ll buy a new laptop, go for a dental check-up, or renew their medical insurance. And while those are all valid strategies, I always ask them the same question: “Have …
The tax filing season for YA2025 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 …
You didn‘t go through years of medical or pharmacy school to be broke. Yet, here you are: juggling shift work, on-call duties, and perhaps a growing sense that your financial life is on autopilot—or worse, stuck in survival mode. In my work with Malaysian healthcare professionals, I meet two distinct mindsets. There’s the houseman desperate …
