Due to the orange man.... AUD has taken major beating against the MYR. This isnt financial advice, i have no idea what the future might hold, Trump could lead us into WW3 for all i know.

But...if you are planning to send your kids to Australia, this might be a good time to accumulate aud education fund.

( 30 M ) No way am i going to take my money out any time soon , but i am nervous as to how the US economy is heading and stocks crashing

option 1 ) do i buy the DIP and bring down my average OR do i wait longer and just hold.

option 2 ) Play it safe and add it into ASB for safer play.

Basically saving for university this october. I wanna put somewhere that can still earn small amount of money, doesn't matter RM0.50 per day also okay.

I've somewhat read tng isn't that safe. Some people with visa card get unauthorized transaction. Tng also not pidm covered. Does the insurance they offer actually covers unauthorized transaction?

Hi all, I’m a fresh grad who just started working. Back in uni, I was investing RM200/month into ASB and RM100 into Wahed. Now I’m planning to add another RM200/month and considering using Moomoo to invest in ETFs.

Since EPF already takes a big chunk of my salary and is low-risk, I’d like to invest in something slightly riskier (not crypto). But I’m unsure if it’s wise to spread my limited funds across more platforms or just increase my current investments.

Would love to hear your thoughts—thanks!

Hi, now i am age 33 and healthy ,no any sickness., and i am having alliannz insurance PoweLink medical card. I check my policy , -Current annual limit is (MYR)120,000.00 -Current lifetime limit (MYR)1,200,000.00

Does this mean my maximum annual limit cover is 120k only? i ask my other friend from great eastern have 1 million (MYR) annual limit. I am not sure why my package is so much different from other company in term of annual limit cover amount. Me and my friend also pay around 200 per month.

Does anyone here know for a fact if the withdrawal from account sejahtera at 50 years can be done completely online, or does one have to visit an EPF branch? I'm a little confused by their website. It seems to imply that I can withdraw using the app but couldn't find the option in it.

I have been seeing that the price of 1g of gold is equivalent to RM500 today. And from what it seems like, the price will just keep on rising. I just started working and I'm looking into making savings and investment once I've piled up my emergency fund. I made RM2,200 before tax and mostly WFH, so I'm more than flexible with my budget. Meaning less spending on fuel, rent, and food. This brings me to my first statement, is it a wise idea to buy 1g of gold (from Shopee) every time I receive my salary and store it away until I find it's the right time to sell them back? Or should I just stick to using Versa/ASB?

hey guys, need advice for medical insurance for expat family of 3 (with a 3 year old). Something which is value for money and has good coverage. appreciate any help!

Dear Malaysians,

I'm currently looking to job hop, and prefers to do something related to software QA Testing. I am only skilled at manual testing, as that is what I am doing (ad-hoc) at my current place. I would like to venture into software testing (manual & automation). May I know what are some things I can do to build up my portfolio as a QA Tester so I can include them into my resume later on?

Current company does not use JIRA (the last time I used it was 2020, during my internship) or any bug tracking tools to record bugs besides Google Sheets..

Please advise. Thank you!

How do I file taxes for part-time income (CP58) as a fitness instructor?

Hi all, I recently started working part-time as a fitness instructor at a local gym last year, and my employer just issued me a CP58 form. This is my first time receiving one.

I also have a full-time job, so I'm already filing taxes through the normal PCB system. My question is: how do I go about filing the part-time income from the CP58? Do I just add the amount to my total income in my e-filing, or is there a specific way to declare it?

Also, I’ve heard some of my gym colleagues say they don’t file taxes for their part-time income at all. Is this common practice, or are they just taking a risk?

Appreciate any advice, especially from others who’ve dealt with this before. Thanks!

Hi,

I have bought a condo in Shah Alam, expected end of Q4 or 2026 Q1 will complete. I took the fully furnish package. I was wondering, for the Interior Decorations, it is wise to hire an ID? Even though i have taken a fully furnish package from developer? Do ID provide this kind of service only?

I want to buy home appliances for my house (under construction, expected done in early 2026). Having difficulties to do surveys due to work. I plan to buy at home expo but want to know is it worth it, like the price is it really cheap compared to buying online?

For anyone in Malaysia interested in credit cards, it features a Credit Card Product Manager who personally uses 19 credit cards but manages them all without falling into debt.

She shares practical tips on how to choose the right card based on your lifestyle, how to maximise cashback and rewards and what common mistakes to avoid (like getting trapped in interest cycles). The conversation is simple, real and focused on helping people understand how credit cards can actually work for you.

Solid info from someone who works in the industry and actually uses what she teaches.

Here’s the link: https://youtu.be/qBAwI6Q83AA?si=z-8D0cv25bOJzRcF

Anyone here got their own credit card hacks or strategies to stretch value even further? Let’s share and help each other out.

I’ve been depositing about RM1.2k into my ibkr account to buy SPYL . I followed zietinvest way of funding IBKR through Wise as that seems to be the cheapest.

My question is that the best way to do it? Just today I invested about RM1150 into IBKR and Wise charged me RM11.18, which seems abit high…

Ontop of that to buy SPYL, I’ll incur another 1.9usd transaction fees. So total, fees alone, I’m paying about RM20.

Since the tariff war is going on, and it’s highly likely the S&P 500 will go down further, I’m planning to do DCA monthly instead of once every 2 months.

Is this really the best way to go about it? Should I just stick to once every 2 months to save cost ( about Rm2300 per transaction)? Are there any alternatives instead?

I'm an spm 2024 leaver and still uncertain whether i should get a job or not. I planned to work in retail cuz it seemed ez. But from early Feb until raya I have STILL not applied to anything yet. I've been helping my dad organising his work stuff and researching what career path and college I plan to go to.

And in the blink of an eye, spm result come out within a month (or less). Now I'm stuck whether I should still find a position or not. My parents didn't force me to get one and I'm not desperate for a salary.

But I do plan to apply scholarship and most prob they're gonna ask what did while I'm waiting for my result (which technically I didn't do anything significant 🙃). My other friends have their own jobs which made feel left out.

Do u think its still worth it for me to apply a position eventhough ill probably be there less than 2 months? I'm really stressed out bout this

Hi everyone, I’ve been lurking here for a while and finally decided to ask for some advice.

I’ll be inheriting close to RM1 million, and I’m wondering what’s the best way to make it work for me.

I’d prefer not to put it in US stocks since I already have a separate portfolio for that.

Ideally, I’m looking for something with returns similar to EPF, but without the long-term lock-in or contribution limits.

Right now, the best I can think of is a fixed deposit with a ~3.x% rate or buying Maybank shares to get ~5.x% dividend yield yearly.

I’d love to hear your thoughts — open to anything relatively safe but decent in returns.

Add on: forgot to mention that im a non muslim / not bumi

Hi geng, what is the best app/website to invest in gold. What I'm planning to do is stash my monthly remaining balance from my monthly entertainment funds. Approx rm100~rm200. TIA

I recently invested in two condo properties; one is a freehold whereas one is a leasehold. Would like to know from the experienced property investors, is there a scenario where the condo lease will not be renewed and once the term of the condo is up basically the value of the property is gone. Trying to think long term on the leasehold one but need advice from experienced investors, how are these land titles usually handled in a condominium landscape? TIA!

Edit: some green-eyed commenters seem unhappy and claiming that I didn’t do research before buying 🤣 I am asking what scenarios that can happen because from what I am hearing from various sources the leasehold gets renewed but from my own knowledge a leasehold is meant to be returned so I am asking EXPERIENCED INVESTORS only if encountered a different scenario. Smart aleck people with no experience please stay away.

Was approached by relatives during a raya get together. They were discussing gold investments for long term. And one name kept popping up, Public Gold. A few years back, I heard not very good things about it. But from what I'm hearing now from them, it seems to have turned around. Not sure if it's true.

So for the past hour, I've been doing my own research on the matter. Not really getting anywhere to be honest. So I would like to get to know real person input, good and bad about Public Gold and what are your experience, knowledge and would you or do you use it for long term investment?

Background

M26 Malay, living with parents, no loans, only one cc, no intention to get married, dad pays for my insurance.

Income

• Main income after deductions: 6500
• Side hustle: 2000 (average)
• Total: 8500

Expenses

• Pretty much nothing other than gym, gas, and eating out: 1500

Investment

• Cash in hand: 3k
• EPF: N/A (self contribution)
• ASB: 95k (12 months main job salary as emergency. No intention to DCA anymore unless I touch this fund)
• VUAA: DCA 50% net income
• BTC: DCA 40% net income
• Travel fund: 10% net income

Questions.

1. What should I do/not do? Roast my portfolio please.
2. What is the minimum amount I can DCA VUAA if I plan to DCA monthly? Taking into account ibkr transaction fees and others.
3. Is it worth it to diversify with VWRA, SGOV, emerging market, or ex-US ETFs?
4. Is it stupid not to dca asb?
5. What other things I should consider?

If I want to contribute entire 1million into EPF, I wouldn't be able to do so all by myself as the limit is RM100k per year. What if other people contribute to my account? Will it be possible?

Hello, I am 28 this year and I have not done any of the LHDN practices such as declare income.

Until now from the age of 18, I have worked a total of 6 years and have never reached the required annual salary for income tax.

Due to my ignorance regarding this matter, I have found out even if I do not have taxable income, I still need to declare. Am I going to be in big trouble and should I go to a LHDN branch instead of doing it online?

Happy eid everyone! First of all, I know that most of these questions can be answered just by a simple google search but i’ve spent about a week ready and still am clueless on what to do. There are just too many advice online contradicting each other so it’s honestly a little overwhelming.

I want to ask for advice. Straight to the point here. I’m 19, still in college (finishing foundation soon), and about to enter USM around the fourth quarter of this year. I’ve never been good with money—when I have it, I spend it on food and jalan-jalan but when I don’t, I can survive just fine without it. I used to not spend money on anything but food but just last year I developed a new habit of spending money everytime I see a positive balance in my account.

Current Situation: Allowance: - At least RM200/month from parents (sometimes more).
- College allowance RM100/month. Commitments: - Prepaid subscription: RM39/month
- iCloud storage: Small amount (forgot exact cost)
Savings: Just started saving this month—have around RM200 so far. (I literally just put as much money in my maybank tabung) Expenses: Almost none (except for those commitments right now) since college provides free everything (until end-June).
If there’s anything missing please let me know. I’ll edit the post.

My Problem: 1. I don’t like seeing money just sit in my account (“marinating” with no purpose).
2. I’ve looked into investments, but with such little savings and no steady income, it feels silly.
3. I have no idea what I should be doing, just saving blindly for now.

Questions: 1. Short-term: What should I do with my savings now? Keep in bank? Any low-risk options?
2. Long-term: How do I start preparing for uni life (USM) where I might have more expenses?
3. Investing: Should I even think about it now, or wait until I have a proper income?
4. Habits: How do I build better money habits since I’ve never really managed finances before?

Would really appreciate any advice—thanks in advance!

Ps- I hope none of u mind that i typed all of these but structured it with a little chatgpt so it’s easier to read. :)))

I brought a book from Amazon in USD. Could I list down the purchase for tax relief?