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@anonymousrain Of course the population is aging. Oh my goodness - as if the downvotes you received had not been embarrassing enough. Have you even googled the median age of Malaysians - 30.8 years! What does that mean? The world median age is 30.5 years. What about other countries - US...

@anonymousrain Dude, check the median age of Malaysia and then compare that against other developing/ developed countries. Also, research about what other countries do when their population age - and you will learn that Malaysia is far from that, even in many years to come. If your age is not...

@lichtoefur I would suggest to think in terms of risk when it comes to investment. The "downsides" usually happen when we handle the risk sub-optimally without a proper strategy. Downside is absolute whereas risk is relative. If you are into passive investing, you choose an index fund because...

@believer86 +1, OP, we did all the homework. For evidence, you can search through this sub or the Singapore one, you will get the same answer.

@agmitchell A few remarks that hopefully will help you resolve your dilemma: First, you need a strategy that suits you. With 8 interviews secured out of 500 applications, I highly suspect that your CV/ resume has serious flaws. Your job hunting strategy, if any, had failed miserably. Forget...

@orthodoxokie I am not OP. As cliche as it sounds, if you are an "ordinary" person, attend a great course at a great university and grow to becoming an excellent talent. The ability to make (and execute) great decisions in your life is as important as working (extremely) hard.

@lichtoefur I don't know anything about crypto bro, so I should not comment! All the best to your research :)

@lichtoefur There are different rules of thumb. For example, there is the 110 rule where 110 - age is your percentage of equity. There are also economic factors. For instance, some may favor bonds when the economy is bad. I believe in the value of stocks. Although I might stock-pick for fun, in...

@astrocol Both have their merits in different context. Essentially, you should think about returns in every year. Because (most) car loans use fixed rate, you have to first convert the fixed rate into effective interest rate (use this calculator). First of all, the effective interest rate is...

Just for your fun knowledge, this is also an interesting and never-ending debate in this sub. Some people who understand this idea are unsatisfied with advice that favors bonds especially when the advice are directed towards young generation. On the other hand, we tend to forget that younger...

@lichtoefur You raised an important question. How much should the percentage of equity vs bonds in one's portfolio has probably been asked many times. There are many different answers. A particular answer that I favor is that of the Bogleheads philosophy about passive investing, that is, to...

(Your opinion does not matter)

@blackfriar OK

@scarletrozes Yes, holding RDDT and DJT shouts gambling to me. The more sensible approach, not that I advocate for, is to place puts (Warning: Don't do this without knowledge) on those. So nope, he's definitely not a value investor. Those gambling aside, I just want to acknowledge that he...

@10tricia18 Good luck with RDDT bro: r/technology: Reddit has never turned a profit in nearly 20 years, but filed to go public anyway

@sic I have been lurking in the same sub too for ideas. There are some great posts although newer ones tend to deteriorate in quality. Anyway, I wouldn't call myself a value investor because there are many principles that I have not learned, see Fundamentals guide for beginners step by step (one...