User Profile: ck5354
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14 Retirement advice oh 14 Retirement advice
nbsp;Full article:nbsp;https://www.theretirementmanifesto.com/the-best-retirement-advice-ever/?utm_source=feedlyamp;utm_medium=rssamp;utm_campaign=the-best-retirement-advice-ever
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ck5354 via KLSE malaysia
1 month and 2 weeks ago.
25 Retirement Habits oh 25 Retirement Habits
nbsp;This year marks my 51st birthday, and I am planning for my retirement.A good read article:Original concepts and insights credited to Four Pillar Freedom.!----!----!----!----!----!----!----!----Retiring early isn't about winning the...
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ck5354 via KLSE malaysia
2 months and a week ago.
Gold and Bitcoin 2026 oh Gold and Bitcoin 2026
Heading into 2026, both gold and Bitcoin were riding massive waves of momentum. Gold was shattering all-time highs above $5,500, and Bitcoin was flirting with unprecedented territory. Fast forward to mid-year, and the narrative has shifted dramatically. The broader markets—and specifically these two...
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ck5354 via KLSE malaysia
2 months and 4 weeks ago.
Myvi Auto Oil Service oh Myvi Auto Oil Service
Today I went to change MyVi auto oil.Labbour charge RM 30. I bought my own ATP oil from shopee. RM 60 for 4 Litre.The shop charge 1 L for perodua is RM 50, Mobil is RM 32, this are mineral oil.Valvoline RM 62 1 Litre.Labour charge RM 30, every 40k need to change auto oil.
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ck5354 via KLSE malaysia
3 months ago.
5G phone Under 1k oh 5G phone Under 1k
nbsp;I plan to change a new phone from 4G to 5G. My choices as follows:Side-by-Side Specification ComparisonFeatureRealme P4xRealme C85 5GInfinix Note EdgePOCO M8 5GDisplay6.72 IPS LCD, 144Hz6.8 LCD, 144Hz (HD+)6.78 LTPS AMOLED, 120Hz (FHD+, Subtle Edge)6.77 Flow AMOLED, 120Hz...
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ck5354 via KLSE malaysia
3 months ago.
Malaysia Fixed Deposit oh Malaysia Fixed Deposit
Where to Park Your Idle Cash? (As of June 18, 2026)Fixed deposits (FD) remain one of the safest and most reliable ways to grow your savings. If you have some extra cash ready to be put aside, checking the latest promotional rates across different financial institutions is a smart move.To make comparing...
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ck5354 via KLSE malaysia
3 months and a week ago.
Persona Car Services oh Persona Car Services
I took my 2017 Proton Persona in for a routine service on Tuesday, RM 25 for changing engine oil. I bring my own engine oil.But things took a turn when the mechanic spotted a humming sound coming from the rear. Then Yesterday I wen again to do a spin test, they confirmed it was a bad wheel bearing and...
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ck5354 via KLSE malaysia
3 months and a week ago.
MyVi Car Service oh MyVI Car Service
Today I bring my wife car MyVi lagi best for service:Milleage: 99200Labor charge RM 25, very reasonable.Next the technician suggest to change Auto tranmission OilRM 150++Should I buy myself the oil RM 40+ 1 litre since need 3 litre add up about the same, because labour charge RM 30 change auto oil.Coolant...
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ck5354 via KLSE malaysia
3 months and 2 weeks ago.
June 16 KDI Save Rate Change oh June 16 KDI Save Rate Change
BYE BYE 4%!!!If you park spare cash in KDI Save, a major change lands on 16 June. Kenanga Digital Investing is moving from its old flat-rate structure to a new investment-linked tier system.Leave your cash completely in KDI Save without touching KDI Invest, and your interest rate drops to a base 2.88% p.a.
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ck5354 via KLSE malaysia
3 months and 3 weeks ago.
Maximizing Your IPO Allocation oh Maximizing Your IPO Allocation
Initial Public Offerings (IPOs) in the Malaysian market continue to attract retail investors looking for strong listing-day gains. However, one of the biggest challenges retail investors face is the ultra-low success rate due to heavy oversubscription. If you only apply with your cash savings, your...
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ck5354 via KLSE malaysia
3 months and 4 weeks ago.
2026 Malaysia Investor’s Cheat Sheet to Low-Risk Returns oh 2026 Malaysia Investor’s Cheat...
If you're still keeping your entire life savings in a standard savings account earning 0.25%, you aren't just playing it safe—you're losing money to inflation every single day. In the 2026 Malaysian market, liquidity is king, but yield is the crown. Here is how to make your Ringgit work harder...
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ck5354 via KLSE malaysia
4 months and a week ago.
Maybank’s 0% Balance Transfer Plan G oh Maybank’s 0% Balance Transfer Plan G
Managing multiple credit card balances can feel like a juggling act, especially when high interest rates start to eat into your monthly budget. If you are looking to streamline your finances and save on interest, Maybank’s Balance Transfer Plan G is currently one of the most effective tools available in...
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ck5354 via KLSE malaysia
6 months and a week ago.
SPYL oh SPYL
As we navigate the volatility of the 2026 Iran conflict, many investors are panicking. However, for those of us with a long-term horizon (like my own 2035 retirement goal), these red days are often the best entry points. Today, I want to talk about my favorite vehicle for US exposure: SPYL (SPDR...
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ck5354 via KLSE malaysia
6 months and a week ago.
2026 ETF oh 2026 ETF
nbsp;In today's volatile landscape, achieving a 10% annual return requires more than just picking the right tickers—it requires navigating the geopolitical tax that war and energy shocks impose on the markets.As of March 2026, the conflict involving the U.S., Israel, and Iran has...
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ck5354 via KLSE malaysia
6 months and a week ago.
10 Malaysian Dividend Stocks for 2026 oh 10 Malaysian Dividend Stocks for 2026
nbsp;With the Employees Provident Fund (EPF) announcing a solid 6.15% dividend for 2025, many retail investors are asking: Can I do better on my own?The answer is yes—but you have to be selective. With the 10% REIT withholding tax concession ending, 2026 marks a new era where Net Yield is...
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ck5354 via KLSE malaysia
6 months and 3 weeks ago.
Maximizing Your Spare Cash 2026 oh Maximizing Your Spare Cash 2026
In 2026, keeping your money in a traditional savings account is almost like losing it. With high-yield options now offering 3% to 4% p.a. with the flexibility to withdraw anytime, the old Fixed Deposit lock-in periods are becoming a thing of the past.If you’re looking to park your emergency...
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ck5354 via KLSE malaysia
8 months and 2 weeks ago.
Cryto deposit oh Cryto deposit
Recently, I started exploring Crypto Simple Earn programs, specifically looking for stablecoin opportunities that offer yields as high as 20% APR.The Decision to SwitchInitially, I chose HTX (formerly Huobi) to park my assets. However, due to concerns regarding platform risk and long-term security, I...
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ck5354 via KLSE malaysia
8 months and 2 weeks ago.
PRS Myth oh PRS Myth
Like many others, I initially invested in PRS primarily for the tax relief. The math is simple: if you are in the 12% tax bracket, you effectively receive an immediate 12% return on your investment in the form of tax savings before the fund even starts to grow.I have been investing in PRS for 14 years.
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ck5354 via KLSE malaysia
8 months and 3 weeks ago.
ETF 2026 oh ETF 2026
*** I will start a papertrade porfolio to buy IFSW and EMVL, target 10% return for next 10 years, will it beat my EPF 5.8% return?nbsp;Best Strategy: Critical Strategy: The Glide PathInstead of picking one and staying there forever, consider this 10-Year Master Plan for a Malaysian...
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ck5354 via KLSE malaysia
9 months ago.
Personal Tax Relief 2025 oh Personal Tax Relief 2025
nbsp;Last-minute tax reliefs that you can take advantage of:Boost your EPF contributions: RM7000 - DoneRM4000 from mandatory contribution (if your salary gt;RM3030, then you’ll hit this one already)nbsp;RM3000 from voluntary contribution - DoneDeposit into SSPN (saving for kid’s...
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ck5354 via KLSE malaysia
9 months and a week ago.