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  1. Z

    EPF Account 3 coming really soon!

    @christianthatneedsyou bummer.
  2. Z

    EPF Account 3 coming really soon!

    @eeevie does anybody know if i can self contribute into account 3 and treat it like a high yield savings account with no lock in?
  3. Z

    Willing to invest rm10k but not sure what to invest in

    @orthodoxokie FD (because current rate is high), money market (like TnG +), ASM This is because from what i gather about what you are saying, you are really really freshie and know little to nothing about investment; which is fine. We were all there before. The above are very low risk and quit...
  4. Z

    if you earn 7%, you will double your money in 10 years (rule of 72)

    @allenkrookham which brokerage do you use to buy sg shares?
  5. Z

    if you earn 7%, you will double your money in 10 years (rule of 72)

    @mattmanticus i have malaysia reits too, but i only buy it because i wanna have some investments locally. The danger of investing too much overseas is that if your oversea brokerage like IBKR has issues, you have to fly all the way to US to settle if you cannot settle it remotely. I just treat...
  6. Z

    Hitting Rock Bottom

    @tinysmallest that's one way to preserve mental wellbeing. But like you say, it just a relief and not a solution. The only way out is for OP to act on it with great effort.
  7. Z

    Friend won’t pay me back, what’s my opinions?

    @griswold can i borrow 5 million from you? When will i pay you back? Don't worry, God will pay you back 10 fold. Just claim from god.
  8. Z

    Is Investment-Linked Insurance a Sneaky Trap?

    @chretien22 investment-linked to earn money = no investment-linked but part of health insurance is okay. I think for most newer health insurance, there is no option to opt out of the investment linked part already unless you are willing to pay a higher premium
  9. Z

    I'll make RM2mil from selling my business, how do I achieve financial freedom?

    @plentyofpaper and? A decisive factor on how to determine the buying price of an entire business is its POTENTIAL growth and earnings.
  10. Z

    I'll make RM2mil from selling my business, how do I achieve financial freedom?

    @varden true, i guess nobody has a crystal ball that can predict the future. Or it could be like instagram. Sold to fb for 1 billion at 2012. At 2019, instagram ad revenue was 12.4 billion per year and it only grows since then. I guess it depends on OP and his view on his business. If there...
  11. Z

    I'll make RM2mil from selling my business, how do I achieve financial freedom?

    @blessed2day if i were you, i won't sell my business. Continue to grow it and only sell it later when it is big. Just like inside scoop. Got sold for 50 million and it all started by some guy who make ice-cream cuz his wife likes ice-cream.
  12. Z

    I'll make RM2mil from selling my business, how do I achieve financial freedom?

    @blessed2day 2 million is not enough to FIRE is your monthly expenditure is 18k per month. Plus your inheritance is not guaranteed. Your old man may spend it all away, get scammed or get eroded away after a bad business decision.
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