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@meesh1070 I'm not based in Malaysia at the moment and my spouse is not Malaysian, so they are handling the ETF's investment and I have the liquid cash for our emergency fund in ASNB funds. So I'm sorry I can't help there. I just try to advise as many as possible to look into ETF's especially...

@meesh1070 This is not an Asian way of thinking, but the phrase - You can't set yourself on fire to keep someone else warm - is something you could think about. You can't help your parents if you don't build a secure financial future for yourself. Not asking about their financial situation won't...