malaysia

I'm 24, been working for 5 months as an account assistant rm1800 wage cus training and probabation finishes next month, and it just seems like everyday is played on repeat over and over again and its making me so numb to life. Everyday go to work, then come back tired, i try to make time for...

Hi All, I have some questions regarding my side income and how to go about income tax filing. Context Recently I've started a modest side income whereby I buy / refurbish / sell items for a profit Carousel / FB Marketplace. Average monthly income is RM1-3K. Majority of sales are done via Bank...

Hello, need some advice from you guys. Basically, i am planning to buy my first car soon. And this is where i need an advice from you guys. I am planning to buy a Honda City Hatchback V spec or Toyota Yaris G spec. I am going to put 30% or 40% downpayment and take 7 years loan only. This is...

I know it's popular for people on this subreddit to ask how much money you should have. I decided it was probably worthwhile to do what's a simple net worth over time. 15% saving rate, 4% NW returns, career progression to SM tier over 10 years. edit : I get that it seems quite ideal for...

My friend asked me for rm 7K almost 20 months ago, I gave it to him. After 7 months he gave me 500 back and promised he’ll pay the rest with time. I never asked him or pressured him all this time because I didn’t need the money, until recently. The only time I asked him to start paying me...

Ever since I started making my own money, all I ever wanted was someone to really tell me if I’m managing my money right. Idk why but I don’t think just looking at the people around me (like friends and family) is the right thing to do since our financial behaviours are so different. Plus, not...

My Current portfolio MALE 32 Y.O non-bumi All my returns are on a yearly basis. so any suggestion should be on that too. - Stocks : Total investment RM90k RM72k Dividend and slow growth stocks - Maybank, RHB, KIPREIT RM18k Short term stocks (holding less than 3 months) - PCHEM, UCHITEC...

Sooo i recently found out that my mum has pajak gadai debt amounting to 30k. She put the golds which she inherited from my grandmum and the ones she bought when she was younger. Each of these pajak are made over a period of time and each pajak has a 2% interest per month. No Amount 1...

Salam sejahtera uncle aunties, I've done a quick comparison on popular MMF platforms I learned from r/MalaysianPF, sharing it cuz I thought it might be useful information. Company Touch and Go Kenanga FSMOne Touch and Go Versa Versa Stashaway Fund Name Go+ KDI Save Cash Management Fund Go...

2023 distribution Sentral REIT 8.3% Hektar REIT 7.7% YTL REIT 7.6% PavREIT 7.1% Capita REIT 7.1% IGB REIT 6.02% Just FYI. We have safe investment gems in KLSE. if you go back 10 years, 2014-2023, almost every REIT on the list managed to do 7-9% except for COVID years. And the list isnt...

Hello! 20 y/o and currently a Uni student looking for advice on investing. My spending is very low and I use a finance tracking app to make sure I don't overspend each month. Currently able to save about RM750 a month and planning to DCA this amount monthly into S&P500 VOO through Rakuten...

I’m going through a bit of a dilemma at the moment. I’m in my mid 30s and just got poached for a job in Singapore. Everything is exciting and to obviously a great way to advance my career. But after sleeping on it, the offer seems less and less attractive. Although the 5.5k SGD sounds great...

Hello kawan-kawan! I'm a 27 y/o trying to get my finances in order before its too late. Some context on my current financial situation: Been working for 2 years, first year I basically saved nothing and was quite reckless with my money. Reality hits hard when I had to take over commitments that...

I know of the typical car loan advice : 15-20% salary, no more than 5 years loan, if not it means you can't afford this car etc. I used to think this made sense, but now I'm not so sure. Just for the sake of discussion, consider the following: Scenario 1 : earning 5k monthly. 5 years loan...

Hi all, It was announced today that the existing 4% promo is coming to an end next month. It will be replaced by a inferior promo that will require you to setup auto-debit into Versa Invest (NOT Versa Save/Cash) to get an additional 1% on top of the base rate for the initial RM 10-30k...

Convert all your saving to crypto saving Is it a good idea as malaysia bank for Fix deposit rate is keep dropping in this few year , however i found if u deposit on crypto stable coin(USDT,BUSD etc) u can get for 5%~8% intrest every year So i need your opinion is it ok to do like this as i...

I'm still new on using e-wallet, and recently someone close just apply for a touch n go card. I wanted to use the card to purchase something on my laptop. Can I use the Touch n go card like a normal debit card to purchase item by using the visa card detail without the app installed on my device?

But after doing some research into starting a Youtube channel, i think it will take up more time and investment into equipment for my liking. So, instead i will create a website that will cover all the same content i proposed. Here is the link: https://kopitiamfinance.com/ The Contents How to...

Hi, I'd like to seek advice on applying Islamic credit card: which bank will accept my application? About me: - been working full time for 3-4 years at one place, recently changed job to a new workplace on a contract employment (trying to be permanent after 6 months probation) - i've only...

Hi. Not sure if this is the right place to ask lol. So basically I have worked in a Chinese tech company based in KL recently and after few months, I got notified by HR that there are basically 2 job tier in the company i.e. A tier and B tier (I’m in Tier B). Due to the scope of my job (I’ve...