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@digitalchaos Before EPF deductions. Including allowances (unless it's tax exempted). If you have an EA form, you can follow the numbers there, but double check that it's correct first.

@antoinel John Huo, KC Lau and CF Lieu are alright. Considered them?

@blessed2day My assumption is that as with most ETFs, the weightage won't change significantly, which is why I would recommend investing in China separately, whether via another ETF or unit trust or individually with individual China-related stocks.

@westmedsupply The US market is definitely "the" benchmark to follow, but it's hard to say when (or if ever) it'll crash or change direction. Obviously, diversifying is a good strategy, but take care to not over-diversify. Obviously, there's some overlaps with VOO or QQQ and getting VT might...

@blessed2day Firstly, have a deep look at your budget. RM18k/month means you're probably VERY well off, but if you maintain the "rich man's lifestyle", you're not going to make it easy for you to FIRE. If given your options A and B, I'd pick A but diversify in other areas as well. VWRA is a...

@caleb86 Firstly, props to you for thinking about investing at a young age. To answer your questions: As you're working, you're automatically contributing to EPF (unless you're not, then that's a separate issue). Crypto is very risky (more so than the rest), so do your own research and invest...

@khankorp You’re under the threshold of getting taxed, but you should definitely get into the habit of filing your taxes. Be sure to fill in the necessary sections for tax relief if you have any.