If I were to ask you about your financial safety nets, what would you say? For most of us, the answer is almost automatic: “I have an emergency fund” and “I save in ASB or other ASNB fixed price funds”. And you know what? That’s fantastic. Having an emergency fund and investing in ASNB fixed price funds …
You’ve worked hard, saved diligently, and now you’re facing a financial decision that feels monumental. The money is sitting in your account, and two powerful, competing goals are vying for it. These aren’t simple math problems. They are deeply personal crossroads where logic meets emotion, and short-term desires clash with long-term dreams. The anxiety comes …
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 …
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 …
Employees’ Provident Fund (EPF) has introduced its Retirement Income Adequacy (RIA) Framework on 12 December 2024. The RIA is set to launch in January 2026 but some details are already released. RIA Framework The RIA framework allows members to set savings targets that reflect different retirement lifestyles and aspirations. This approach emphasises the importance of …
In my opinion, every Malaysian should have the following three types of assets for accumulating wealth. Let us go through them one by one. ASNB fixed price funds I think most Malaysians heard about these funds. If you do not know about these funds, click here to learn more. For Bumiputera, you should invest in …
Asset allocation is a cornerstone of successful investment strategy, often regarded as one of the most critical choices an investor can make. In the complex world of investing, where markets can be unpredictable and volatile, having a well-thought-out asset allocation plan is essential for balancing risk and reward. We will explore the significance of asset …
Money anxiety, also known as financial anxiety, is a form of stress or anxiety that arises from concerns about one’s financial situation. It can be triggered by various factors, such as debt, unemployment, unexpected expenses, or the fear of not having enough money to cover basic needs or achieve long-term goals. Common Triggers of Money …
Borrowing to invest refers to the practice of using borrowed funds to purchase investment assets, such as stocks, bonds, or real estate, with the expectation that the returns on these investments will exceed the cost of borrowing, including interest and fees. This strategy is often employed by seasoned investors who seek to amplify their potential …
Investment planning is one of the key components of financial planning and it directly affects the outcome of the financial plan. In this article, we will look at the steps involved in investment planning. Steps of investment planning 1. Meeting the prerequisites Before we start investment, we should have adequate provision for the basic necessities …
