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 …
Let me guess. You walk into Lotus’s or AEON with a rough budget in your head — maybe RM300 for the week’s groceries. You grab the usual stuff. Biscuits for the kids. 3-in-1 coffee for your night shift. Sweet soy sauce for your ayam masak kicap. Then you reach the cashier. Total: RM412. And your …
If you feel like your ringgit isn’t stretching as far as it used to, you’re not alone. From the kopitiam to the petrol station, the steady climb in prices is a daily reality. Inflation isn’t just an economic term; it’s a silent force eroding your purchasing power, making long-term goals feel distant and monthly budgets …
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 …
