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Day: December 25, 2025
ABCs of Personal Finance

Actually, how much can we truly save with a fuel-saving car?!

I told him to stop joking because there’s no way he can save more money. He was a little offended. He challenged me to tell him my fuel consumption. Well, as at today, it’s 7.3 litre per 100km. That’s about 1 litre of RON95 petrol to 13.7km. His awesome car could give him nearly 20km to 1 litre. I did not bother to ask if that’s solely on highway because if it’s just highway, my Persona could also do way better than 1 to 13.7km. Anyway, he laughed at me and I laughed at him and I guess we agree to disagree.

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ABCs of Property Investment

When we sell a property, must we pay Real Property Gains Tax (RPGT)?

Basic idea behind RPGT is to ensure people do not do the buy and flip which used to be rampant for some time. At the time, everyone thought they are so clever because they can just buy and quickly flip since the market is so hot. Well, many of these smart flippers suddenly have to contend with RPGT. In other words, they can still do flipping but every flip they do now comes with a ‘cost’ in the form of RPGT. So, if they bought a place a year ago and they are now selling for an extra RM50,000 they will not get the full RM50,000 profit anymore. They will get RM50,000 profit minus the corresponding RPGT rate.

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ABCs of Personal Finance

B40, M40 and T20? What is the salary to be within T5 in Malaysia?

Without adding the changes in 2025 and relying on just 2024, median income for a household of a T5 category starts from RM20,738 per month (image below) . In other words, this household has a yearly income of RM248,856. If this household is contributing to EPF and has an employer also contributing to the EPF for employer portion, then this household’s EPF will have accumulated the following per year.

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