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@wenjie Many youtube video can explain better than I can

@eeevie Short answer Yes If you want to avoid 30% , buy CSPX. Same thing only 15% WHT If still want to buy VOO and want to avoid, do covered calls. Some extra work...

@lichtoefur Hold Singapore reits and banks. Hold usd etf. I personally dca into VWRA and VOO. Yeah I started 20 years ago when CSPX does not exist If you plan to retire in malaysia. I suggest you purchase a landed property. You will never know what the price will be 30 years down the road...

@treegreentrey Yes. I have 40 years worth of expenses inflation adjusted in EPF. Retired. That being said I still have 20 to 25% in foreign equities

@eeevie Want to ask about security of the GX bank app. When moving app from one phone to another, Is it like grab or tng which only need password and sms. Or like other bank apps which require to call bank or some pin in old app etc

@khankorp Whatever u file make sure tie up to your EA form