Unlike many other articles on investment options in Malaysia saturating the Internet… …written by half-past-six bloggers with no professional certifications or credible qualifications, …or worse, bankers and financial agents trying to convince you why their products are the best investment
Look, I think you would agree that there are countless passive income ideas out there talking about how to earn passive income in Malaysia via investing or starting a business. The problem with that approach is glaring: Captain Obvious Newsflash!You
When you want to apply for credit card online, everyone is asking this million-dollar question: “What’s the best Visa/Mastercard/Amex credit card now?” Truth is, there is no one single best credit card. Everyone has one credit card or two that
What if you can get back ALL of your life insurance premiums paid at the end of the insurance policy coverage period? In other words, you claw back 100% of your total premiums paid when the the insurance policy matures,
This is a full, no fluff exposé of what Stashaway is and what it isn’t. Unlike many other Stashaway Malaysia Reviews saturating the Internet… …written by half-past-six bloggers with the sole intention of persuading you to sign up for Stashaway
If you have fundamental questions like: What is ASB Financing (apa itu)? Why ASB Financing? And how ASB Loan or ASB Financing works? (Apa itu ASB Financing? Apasal buat ASB Financing? Bagaimana diorang buat ASB Financing? ) Or even when
What are the most consistent and sustainable Dividend Yield Stocks In Malaysia? Just so you know, this Is the most Practical & Highly Actionable Guide On The Planet Investing In the Top Dividend Yielding Stocks in Malaysia. The Best Part?
Filing for your tax for year of assessment 2019 but aren’t sure if you are maximizing all your Malaysian income tax relief? Then you have landed in the right page. Because this is the most comprehensive and practical guide on
Loan compression or multiple loan submissions, is a common property investing strategy preached by almost all property investment gurus. The intended outcome? You end up owning (albeit with massive leverage) and buy multiple real estate properties, on paper (since they
Do you feel like your trading capabilities are stuck in a rut? Do you wish you could find some new and different approaches to making a profit by buying and selling your favorite instruments like forex currency pairs, stock shares,
Money. It doesn’t stretch like it used to. Then again, it probably never stretched that far to begin with, but things certainly seem tighter now. If you are retired, you may be looking for ways to supplement your income. Remember,
Hi, I am CF Lieu. I am not the plumber in this story, but I am the person who is going to narrate this story to you. The plumber is a client (and now, a friend) of mine who first
Having that first paycheck as an employee is almost everyone’s goal. It then becomes a cycle, Paycheck, Purchase, Work; it becomes routine. But what if the things you buy cost too much or if your paycheck isn’t enough, or say
Life’s two largest financial burdens tend to be mortgage and taxes. Both take out a huge chunk of your paycheck; but it’s better than the alternative, renting in an anarchist society. The two are often utterly separate issues usually, with
In case you lose money from your investment in 2018, whether it is stocks or unit trusts, know that it is not your fault. In fact, your disappointment just by looking at your investment portfolio can be a source of
It’s hard to find an entity that is more disliked by the public than the banks despite the fact that some best bank promotions are available from time to time. From excessive fees to indifferent customer service to outrageous CEO
Hands up who’d love to save more money. Now, hands up everyone who’s actually doing anything about it. That was a lot of hands up in the air that came straight back down again! That’s why we’re going to look
The online world makes all things possible nowadays, from investing in stocks, doing business, and even managing a multi-billion company. So how can you make money online using legit means? There are many ways you can make good money online.
Do you know that just like thumbprints, even the genetic makeup of our cells is unique? All body cells contain DNA which constitutes a two-stranded twisted ladder. The strands contain information in a genetic code comprising of four types of
Human beings are inherently emotional animals that always like to take some sentimental judgments based on the circumstances. While this may seem very natural but at least in currency trading, this is the ultimate suicidal method that can kill a
Most of the time for trading in Forex will have to be spent on the market analysis. All of the traders need it for some good performance in the business. We are not going to be alright with some improper
This is the most practical, highly actionable guide to buying or investing in commercial real estate property in Malaysia. The best part? We are going to reveal how the really wealthy property owners & investors buy & invest in real
How to really Invest in Stocks in Malaysia? For your information, this is the most practical and highly actionable guide on the planet investing in Malaysia stocks. The best part? I am going to show you tips and techniques that
What does retirement look like to you? Does it look the same as how your parents are spending their retirement? Will you follow their patterns? Maybe they worked until their sixties, relied on a good separation or retirement package that
A lot of novice traders do not get the right kind of ideas about the business. We are talking about the currency trading business of Forex, so you can tell. The most proper management of the trades will have to
We advocate investing for the long term, but we’re still human, so we understand the temptation to try to anticipate market movements and invest accordingly. Even though countless phrases warn against attempting to time the market, our emotions can still
If you want to invest in a business, you need to prepare yourself for a difficult task of protecting your money. You need to do a lot of research and learn how to increase your odds of success. There are
Malaysia as a country has grown a lot over the past few years. It evolved from a country struggling with its finances and economy to become one of Asia’s leading tourist destinations, and an industrial hub not to be taken
Malaysia is among the top destinations in Asia for expats, and not without reason. While the country’s economy depended on exports for long, it has now expanded to cover spheres such as tourism, medical tourism, science, and commerce. This, in
If you’ve never had to speak to a lawyer before or had any issue considered serious enough to reach out, then the idea of finding and speaking to an attorney can feel rather daunting. It’s often viewed as a confusing
In today’s capitalistic world, being financially stable gives you more options in all aspects of life. The amount of money you have often determines what you can do or the goods and services you can access. Since money is a
There are instances wherein people need to take out loans, which may eventually result to numerous debts. Several factors may cause this scenario such as an economic downturn or a sudden loss of livelihood. Nevertheless, there are various hassle-free means
A common way to start preparing for your retirement is by investing funds into a portfolio covering stocks and bonds. However, to invest, there must be a sizeable investment which calls for cash. A Nielsen global survey found that in the last
It is hard to earn money these days and it is important for everyone to become smarter when it comes to spending their cash. If you are working a typical nine to five job and your salary does not make
In a perfect world, all people would have the necessary funds to match every need and desire. Tuition, major appliances, cars, and the like would all be paid for in cash. Although this is possible for some, many individuals run
Managing a business is hard work. You constantly have a million things to think about, from product quality to employers’ performances and finances. The backbone of any successful business is how its finances are managed. There are basic steps that
Taking out a mortgage is a major milestone in any adult’s life. You’re finally ready to step up and commit to owning a home. However, it can be a tricky and complicated process due to the legalities and financial documents
Financial planning is all about spotting trends in business. While palm oil is abundant in Malaysia, it creates significant waste making it an increasingly unpopular option. The Island of Borneo is already increasing its use of hydropower, but the year
As a financial advisor, it is absolutely vital that your clients put their implicit trust in you. After all, you’re helping them deal with their money, and more than that—their future. That means that you essentially have to make
Losing money is such a common occurrence in any business setting and in the world of forex trading, nothing is different. In the trading sector, losing money is so normal that at least every trader has lost some funds in
It’s not unusual for a person nowadays to have a credit card. In fact, you might have one right now. And you’d be surprised or not to find out that some have 2 or 3 more credit cards. Is it
When you have a savings account, you are getting the security and safety you need without any possible risks to your money. Not many people know its advantages, take a look below at why a savings account is so important
Imagine you had a time machine. It allows you to go back in time and change 1 thing about the past. What would you do? I bet plenty of us WANT to say something like: Put everything in cash
SMEs form the bulk of businesses in an economy. The stiff competition causes a fine margin between success and failure. The ultimate goal of any SME is to increase its market share. However, ignoring key aspects of the business may
When you run your own business, there are a variety of records that you will need to keep, both for your own, and data protection purposes. If your business is in the care industry, for example, you may be required
The longer I am in this field of wealth management and financial planning, the more I have to concur to this fact: Making a good living/standard of living contributes a lot to one’s quality of life. Basically, Money = Good
An online installment loan is probably one of the first types of money loans that come to mind when thinking of funding a business. It’s among the most common and convenient loans that you can avail of today for business
Picture this: The normal price of an item you want costs RM 784 But you finally were able to get it at a fraction of the cost. Which is RM 228. A saving of 70.9% or RM 556. This was
Nearly every homeowner or business owner has taken a loan at some point in their lifetime. It may be a car loan, student loan, mortgage, or business financing. Taking a loan should not always be considered a bad idea because,
Many wealthy and affluent investors and entrepreneurs are opting to obtain citizenship in selected countries (sometimes termed as a “second passport”) in order to meet various business and personal goals. For some, a second passport is a pathway to a
We want to start this post by understanding Alpha. Alpha, often considered the active return on an investment, gauges the performance of an investment against a market index used as a benchmark, since they are often considered to represent the
This is one page summary of the best ETFs* available to you to invest in the US. If you are not residing in US, then you can still access to these ETFs through many international online brokerages like Scottrade, Interactive
As you get older, you’ll notice how many people lie to you. And it is SHOCKING. Once you recognize these lies, you can never go back. For example, let’s take this interview of a successful entrepreneur. In the media
Warren Buffett famously said – “You don’t need to be a rocket scientist. Investing is not a game where the guy with IQ 160 beats the guy with 130 IQ” Or if you have any friends who did better financially
Debt. The big “D” word. We’re all in it, some more than others. It’s an anxiety-inducing state that we find ourselves in, most often out of pure necessity. None of us want to be in debt, but life throws curve
Malaysia’s Employees Provident Fund (EPF or KWSP) has announced the removal of its 30% foreign fund exposure cap on Members Investment Scheme (MIS) commencing August 1 2016, permitting members to invest in unit-trust funds that are focused on overseas investments. Note:
The Latin term “memento mori” has always been used as a reminder for death. It literally means “remember you will die.” European scholars in the late seventeenth and eighteenth centuries used to place a skull on their desks to remind
Even if you are not an investor, the election of Donald Trump as the upcoming PoTUS shocked everyone back in November. 99% of predictions from all major media & experts were wrong. Stocks went tumbling down the moment he emerged
To ease EPF Members like you in preparing for a sustainable retirement, Malaysia’s Employees Provident Fund (EPF or KWSP) allows you to make a partial withdrawal from your retirement savings The reason? To meet the specific pre-retirement-related needs that comply
There are a few known liberalization changes being made to how Employees Provident Fund (EPF) contributors can invest their money for diversification. This infographic aims to give you a 1 page information on what is happening and how it is
What will you do if you face a financial emergency? Most people don’t have a good answer to that question even if they aren’t living paycheck to paycheck. If you want to make sure that you are financially secure even
This is perhaps most comprehensive guide listing the costs of medical treatment/procedures in Malaysia. The best part? Read more below to discover a full list of medical procedures costs published by Ministry of Health (Federal Government Gazette) known as Private
How do you see your coins? Do you consider them as merely for purchasing services and goods? Do you find them as a nuisance in your pocket? The truth is, coins have more value than what most people think. Coins
Nobody wants to be in the situation where time is running short, retirement looms large but your accumulated nest egg isn’t what you hope it to be. Welcome to the ultimate guide for retirement catch up strategies. What can you
Being left behind by a loved one who has passed on is truly difficult. It is even more frustrating when the legalities are involved, such as undergoing the tedious processes of claiming an inheritance. Nevertheless, there are smart ways on
Managing taxes is a task that every adult tries to avoid. Not everyone (including the accountants) is happy when that time of the year approaches when you need to file your taxes. When we talk about income tax, it varies
The retirement calculator tool now has a dedicated page 1. Two Controversial Reasons why Age is not just another number in Retirement Planning Calculation You are not part of the mortality statistics! From personal finance perspective, traditional retirement planning
By now you would have read in the media regarding the Genting family dispute which has broken out in the Lim family, who control the multi-billion ringgit gaming and leisure company Genting Bhd. In case you haven’t, The Edge Market Oct
Retirement planning is serious matter that requires diligence and patience. But if you are short of time, a quick tip can sometimes be helpful too. Here are 18 observations from my years of advising clients in pre and post retirement stage. 1. If
It can be a rude awakening when you work out how far off retirement you are financially. However, with more Malaysians retiring before the age of 60 than any other Southeast Asian nationality, retiring early is very much within your
Here’s the analogy I would use when it comes to hiring a retirement adviser. I believe you have been to more than one private hospitals before. You will have preference on one hospital over the others though. Assuming the difference in
This article is outdated as the app has been discontinued effective 28 Feb 2019 1) How to Install GetCover App 2) How to Renew Car Insurance using GetCover App 3) How to Earn Rewards using GetCover App by Referring your Family/Friends/Colleague 4) What
This is the best article in understanding Private Equity, an asset class for funds and investors that directly invest in private companies. But… What is private equity investment? It is conventionally considered a high risk, high return investment for individual
Do you know that a 0.2% lower rate means interest saving circa RM 42,000 for a 1/2 mil, 4.45%, 30 y duration mortgage, assuming no early settlement or additional principal repayment, other than maintaining the original monthly repayment amount? That’s
Actually, none of us should complicate the principles of early retirement. The strategy to achieve early retirement is pretty much identical to conventional retirement planning with one big exception… It’s Time, where; You have less time to reach your financial
Do you share the sentiment below: After attending any Value Investing or Stocks Trading program, you walk away with the new found knowledge that you could be the next Warren Buffett. You apply what you have learnt. But the result
To retire in Malaysia, or any place for that matter, everyone would agree that we need to ensure sufficient financial resources, yes? And just so you know, this is the most practical and highly actionable guide on the planet on
Let’s face it – delaying retirement is not something you are will feel delighted about. You may be reluctant to do so even knowing you have shortfall in your retirement nest egg. If you don’t want to delay your retirement until
So you think your have a clean CCRIS record and a current Debt Servicing Ratio (DSR) which is below 35%, surely your mortgage application will get approved without any hassle right? Wrong. You still can face rejection from bank(s). Here’s
Berkshire Hathaway held the 51st edition of its annual meeting on 30th April 2016, live stream globally. During the meeting Berkshire CEO Warren Buffett and vice chairman Charlie Munger held court for six hours, fielding questions from journalists, analysts, and Berkshire
Here’s the thing: We live in an increasingly complex society. If something looks and sounds too simple, then we deem it is not worth our time (and price!). But we want things simplified for our consumption. Nowhere is this more
There are 2 things very wrong with iMoney article dated 5 April 2016 titled “How Do You Juggle Retirement With Multiple Financial Goals?”. You may have seen it in your Facebook timeline too as Sponsored Post. As a licensed independent
Let’s pretend for a moment that you are a zebra in an African savannah landscape. Every now and then, you get human visitors on safari taking photos of you. The biggest difference between you and your zebra peers and the humans
In theory, accumulating wealth for a secure, early retirement is actually very simple… In practical, it’s hard. Why? There are far too many distractions. It’s simple because there are only 3 early retirement tips: The amount of money you save & invest. The
Borrowing from financial institutions and using credit cards is a common practice in the modern world. However, what most people don’t know is that their borrowing and payment habits have a significant impact on their credit score. A credit score
This is the most practical, highly actionable guide to buying the best medical card in Malaysia online, instead of just other comparison guides (which often overwhelm you with too much info until you feel confused with over-analysis paralysis) The best
This is something unheard of in our parents’ time – banks charge you for keeping cash in your bank or fixed deposit account. It’s insane, but several of Europe’s central banks have negative interest rates and kept them there since 2014.
The reasons it is difficult to invest into public listed companies now are not because of weak ringgit or low oil price. Although that add oils to the fire. The 3 reasons are disruptive technologies, tightening of compliance procedures or
If you are not delighted at the prospect of your own impending retirement, well guess what, you are not alone. Some people feel like they have not accomplished what they set to accomplish. In fact, retirement and financial freedom could mean
Retirement planning really isn’t the precise science you would like it to be… Retirement planning is about guesswork. Not random guess, but educated guess. Shockingly, most people don’t comprehend how the process works. Several myths have earned rule of thumb
When most of us fear failure, we walk away from our boldest ideas. Instead of being original, we play it safe – doing the status quo, or getting stuck in the rut, or selling conventional products and familiar services. But
If there is one thing a lot of people are guilty of, it is being selfishly irresponsible. We all do things for our own enjoyment and pleasure, but a problem arises when such thinking puts other people at risk or
We know that leverage in the form of mortgage is absolutely necessary in property investment. The major limitation of any property investment is Debt Servicing Ratio (DSR). It is not fiction when you hear that a person earning RM 3k
If you’re considering getting an individual voluntary arrangement, you might be considering the pros and cons of one. There are many reasons you may want to enter an IVA, and there are some benefits to using these methods of meeting
Surprisingly, it’s not that hard. It doesn’t require hitting the lottery or inheriting a windfall. Similarly, you don’t have to become a brilliant investor or possess any unusual skill. It is no surpirse, the answer is “frugality” – extreme frugality
Early Retirement. Wow, what a seductive word beckoning us. It smells of freedom and success, but my experience in advising working-class clients shows it’s usually an avoidance mechanism that obviously shields a more important issue. It’s self-deception at a deep level.
The burning question everyone wants to know in retirement planning: How much can you withdraw from retirement savings each year without jeopardizing your financial security? Before explaining the solution to this question, let me provide a little background information about
…when local (Malaysian) property investments appear inferior. Let me explain. Property investment, in general, as we all know, provides investment leverage. However, to quote a wall post by Faizul R, the best time to buy a property is when ALL of
One explanation for why we make plans but don’t take action has to do with a behavioral economics term called “time inconsistency.” Time inconsistency refers to the tendency of the human brain to value immediate rewards more highly than future rewards.