@lastdisciple You don’t need to learn a lot of stuff about investing. Don’t try and be “clever”. Find a website or app in Malaysia that lets you invest in the US markets (you don’t have to do US but at least follow ETF philosophy). The ETFs such as vanguard VOO (Google such things) are very diversified, computer selected best performing stocks that charge less than 0.1% per year. They out perform almost all other investments. Don’t chop and change, just sit and hold. If you are scared of market now, drop in a chunk every month or 2 over the next couple years, preferably keep doing that every moment or so no matter how small. Don’t follow the news, don’t get scared, sit and relax