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@ruenie88 You are not working, you don't have cash to invest. Just concentrate on your studies and read up on investing,you can invest later wine you have ethe cash

@johnsteam86 I feel your pain. But I DCA during the COVID dip and managed to get Sentral into green territory

@danny4mission you arnt reading it right.

@johndoe119 lol no. not under MAGA GOP + Trump. The world has experienced the first time, they know what will happen if there is a 2nd time

@danny4mission RPC =/= REIT

@danny4mission no. They work like any other share on KLSE

@schnolhamor there is never a situation where longer tenure is 'better' when it comes to buying a car for ppl who are stretching their budgets. for ppl who know what they are doing and want cash flow/can make more money than the car loan rate, but that is very rare.

@blurredcontours Sorry for your loss. For me it's kinda the opposite with stars like ytlreit up 35%

@nativepride Anything basicly would be better. ETF, ASB, EPF, PTPTN savings plan, MMF, KLSE blue chips, REITS.

@lichtoefur VOO dont forget there is 30% witholding tax, transaction fee and forex spread. No one has a crystal ball, trump could win in Nov and plunge US into 10 year recession, who knows...thats why you diversify. If i were you, i wouldnt look at EPF at all. just invest in SGX/SREITS with...

@erniedavid you are paying 6000 in insurance yearly... is this some investment linked plan? get rid of that and just put more into ASB/EPF and you will save alot more in the long term Its no point waiting, cars will only get more expensive due to the weakening RM. Since u cant make it for...

@om7 Considering you are the sole bread winner, you dont seem to have much savings put away from an income of 400k. Thats dangerous if anything were to happen to you. You def can afford the house, but you might want to pay more attention to increasing your monthly savings. Maybe start ptptn...

@resjudicata The malls/hotels surged, commercial didn't. Pav, igb, YTL, capita all up substantially. If you didn't lose capital...means your investment outperformed ASM 👍

@kathleen726 there are various test, eg acid test

@q490264 All you do is give them record of your milege on day 1, thats it. significant savings....this year i save over 4k using promilej 5k km plan

@zainonechia exactly. Im not agaisnt IBKR or US stocks. Just that ppl dont put enough thoughts to issues like this. And who knows...god forbid what if your online broker fails, or you fail KYC checks

@icanspellthornwell No, you don't have to pay tax on the 7k

@terrym5407 rate is fixed....CTOS is used as a approval gauge only. your rate is determined by tenure of loan, BLR, bank rates

@johndaniels woi.... approaching 50 is NOT OLD. im also same age, this morning went out did 26min 5km. I dont count my EPF...thats just bonus sportscar/kids Uni fund money at 55.

@johndaniels 100% agree. only caveat is ...there is a point in time where you have to make the call to stop loss and get out. for MREIT a good example is TWREIT...its better to just get out and redeploy the funds 70% KLSE 15% VOO/AUD bond/ USD MMF 15% SGX/Sreits/HKX thats my current...