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@reallylongnickname Don't stress too much just because ur saving drop by 5%. Remember having positive cash flow is the bigger picture over stressing out less saving.. And also dating and having good mental state is also currency.. Having peace state of mind is also currency.. Being happy also is...

@caleb86 If you not good with stocks. Let remiser handle it for you. If u have medium risk appetite go for unit trust. Not necessarily u need to have 12 months of emergency. What? Is it you going to laid up to 12 months? Not logic there. Like me 3 months more than enough. And for epf ya you can...

@blueskies88 There is Maybank 4%