Ever glanced at your payslip, saw you’re officially in the T20 (Top 20%) income bracket, and let out a weary sigh? You’ve worked hard to get here, but the feeling of being “rich” seems like a distant mirage. Instead, you feel the constant pinch of financial obligations. If this resonates with you, you are not …
Congratulations. The announcement of the 2026 salary revision for federal employees is more than just welcome news—it’s a significant financial event. For dedicated healthcare professionals like you, this increase is a well-deserved recognition of your service, especially through challenging times. But here’s the critical question every high-income earner must ask at a moment like this: …
In this 2025 asset allocation article, I will share my year-end allocation in both Malaysia and foreign markets. Target asset allocation Malaysia My target allocation is 10% P2P lending and 90% stock. I am only considering equities and peer-to-peer (P2P) lending. Foreign My current target allocation is 20% in bonds, 74% in equity and 6% …
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 …
This is my 2025 annual investment review, starting with this 2025 Malaysia investment review. My 2025 investment holdings review covers both stock market and mutual fund. I will show the gain or loss (including dividends) for each stock and fund. In the end, I will show the total return of my holdings in Malaysia. The …
i-Saraan is a voluntary contribution facility introduced by EPF to receive Special Incentives from the Government for retirement purposes, subject to the terms and conditions. It is primarily targeted at Malaysian citizens below 60 years old who are: Key Features & Benefits How to Register & Contribute Contribution Strategy to Maximize Benefits To get the …
You’ve done everything right. You’ve worked hard, saved diligently in EPF, and maybe even built a sizable investment portfolio in unit trusts. You’ve crunched the numbers, and you’re confident that your RM 1.5 million nest egg is enough to support your retirement. But what if I told you that a hidden risk could derail your entire retirement …
You’ve found it. A promising condo unit, a 20% down payment ready, and the calculator shows a tidy RM300 positive cashflow after the mortgage. It feels like a slam dunk—a tangible asset that pays for itself while building your net worth. But what if I told you that this “slam dunk” could secretly be underperforming …
As a Malaysian, you work hard for your money. So, when a sizeable chunk of it lands in your lap—whether it’s your annual bonus, an inheritance, a EPF withdrawal, or the proceeds from selling a property—a critical question arises: “What’s the best way to invest this?” Do you dive in headfirst and invest it all …
When you hear the word “investing,” what do you picture? For many Malaysians, it’s the idea of needing a large amount of money—like RM10,000 or more—just to get started. Maybe you think you need to be like a tycoon with a huge portfolio before you can even open an account. This belief is the number …
