This article is the final part of my 2025 investment review. For my Malaysia investment review, you may refer to this article. For my foreign investment review, you may refer to this article.
This review covers all my stocks, mutual funds, and exchange traded funds (ETFs) in Malaysia and US. As I am based in Malaysia, I am going to convert the US Dollar (USD)-denominated assets to Ringgit Malaysia (MYR).
Other than the annual return, I will also show the internal rate of return (IRR) of my whole portfolio.
Total return
Annual return for 2025 = +2.20% (2024: +11.79%)
IRR = +6.99% (2024: +7.68%)
For the USD conversion rate, my average conversion rate from MYR to USD is 4.3217. The current exchange rate that I use to convert USD to MYR is 3.9813.
2025 total investment review
My target annual return is 7%. Due to the bad performance of my Malaysia portfolio and also the sharp appreciation of MYR against USD, I could not achieve my target return. Although the return was subpar, at least it was still positive.
In 2025, I needed fund for my house renovation and I liquidated some of my stocks in Malaysia. In 2026, I am going to try to at least put back what I took out.
This concludes my 2025 total investment review.
