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Category: Personal Finance
Retirement Related

When we retire do we have a free place to stay? Else, better read this as early warning.

Beyond just the subsidies… special payouts… cheaper price of goods via controlled prices… they have to ensure everyone in need of a place to stay has a place to stay and this place to stay is as affordable as it could be. It does not need to be an apartment yeah. Ensure those who does not have a few hundred ringgit extra also has a proper place to stay, to shower, to sleep soundly at night.

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Retirement Related

Retirement Readiness: Gen Z vs Baby Boomers

Actually I have read many studies saying that the younger group is more financially savvy and usually has more investment knowledge versus the older ones including the Gen-Xers like me. So, when I read this, I think I need to share with everyone and remind the ‘oder ones’ that the runway for us to earn more is shorter than the younger ones who could still afford to take their own sweet time. So, if they start early, they will definitely be far more ready than many. Read on about the recent study by Vanguard.

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Retirement Related

Retirement Age in Malaysia: Pushing to 65?

Many friends have chosen to retire way before 55. Two very close and good female friends come to mind. One is a super successful professional who’s a single and another has a very capable husband and thus she relinquished her senior role and stopped working. Some however are still working and they are past 60! However, their companies wanted them and kept offering them contract extensions…

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ABCs of Property Investment

Understanding Aging Districts: Invest or Stay?

The above refers to the population. Thus, if these are the population statistics for districts, then these districts would also be known as aging districts too. Frankly, I have heard of Ipoh being the town of retirees and someone mentioned the other day that Taiping has more retirees than Ipoh. Well, both these were not mentioned in the Emerging Aging Districts presented by PropertyGuru during its Future Built 2025 summit which happened on 30th October.

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ABCs of Personal Finance

World Bank Advocates Aligning EPF Withdrawal Age with Retirement

For some of us, the answer is, ‘yesterday.’ The money is ours, why could we not withdraw it anytime we want? For the ones who are working and maybe has a more stable earnings versus expenses, maybe it’s on the dot at 55 years old. Nothing more, nothing less. Meanwhile my aunty who has retired told me that it’s best to just leave it inside EPF because the dividends are very good and FD is lower while stock market is a lot more volatile. So, her choice is based on what her needs are.

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quote box ontop of stack of paper bills
Personal Finance

Malaysians are not taxed enough!?

Anyone here felt that they pay too little tax? I would agree and I am also very happy that if I earn more, I should pay more in tax. I know, when one is a businessman, spending is sometimes better than not spending and thus having to report high profits and get higher taxes. Well, there is this remark that the government is not taxing enough. There are suggestions on how our government can get higher tax revenues too. GST was mentioned. Progressive tax was also mentioned versus a fixed regime too.

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city buildings under orange sunset
ABCs of Personal Finance

MM2H: Comparisons between MM2H vs Sarawak MM2H and Sabah MM2H

If someone really wants to retire and just enjoy a pretty decent quality of life, I think Malaysia is a good choice. We are friendly, our food is super tasty (no need claim this and that like one country) and whether it’s nature or shopping or a relaxing small town visit every weekend, Malaysia has it all. Thus, MM2H or Sarawak MM2H or Sabah MM2H may be something worthwhile taking a more closer look since it seems that there are changes not too long ago.

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three men playing soccer
ABCs of Personal Finance

Which footballer earns the MOST money in 2024? How much?

Actually, I do think most people could answer this question no matter you love this footballer or you hate him. Not many are in-between. Haha. Yes, it’s Christiano Ronaldo. He is reported to be earning US$260 million in 2024. Yes, this is ONE year’s earning and not from the day he started playing until 2024. Take a look at the image below for the numbers of not just him but also all the other other high earners too.

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senior male artisan creating bag together with female assistant
Retirement Related

Retire later. It’s better for money and health too

I think it’s good news for Malaysians because we live longer nowadays. Take a look at the ever higher number below: Stats from Department of Statistics Malaysia. Link is here: dosm.gov.my We generally live to 75 years old. Ladies would live longer and guys, please take care of yourself better so that we do not leave so many years earlier than our partner.

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