support@kopiandproperty.com

Advertisements

Advertisement Banner

Category: Career Related
ABCs of Personal Finance

Beware! EPF savings is really not a lot when we do these calculations

When someone retires and realized they have hundreds of thousands in their EPF which is suddenly theirs to use, what do you think could happen? Well, they could spend it wisely and stretch it sufficiently to cover for the next 15-20 years of their retirement life. Or they could spend it very quickly to buy things which they could not afford previously. Or maybe they could be scammed by someone and lose it all too.

Read More »
Career Related

Expats based in Malaysia needs to earn a minimum of RM20,000 for Category 1. Easy to achieve, right?

If you are an expat here in Malaysia, thanks for coming here and share your expertise and experience and at the same time bringing up Malaysians to be as amazing as you in the future. Many, many, many years ago when I was speaking to a Senior HR Manager in manufacturing, he told me that he could easily attract expats to come to Malaysia because he told the expat that they will be offered a similar pay but the quality of their living would be 4 times better simply because they would be staying here. Bigger property, more ASEAN vacations and not needing to look at the menus before entering the usual restaurants here in Malaysia.

Read More »
ABCs of Personal Finance

58 years old used up all EPF savings in 3 years

Maybe this is also because I do not own the latest handphone model… I do not try to show off with a non-national car brand which is suffocating me financially every month… After 30 years of paying for a property, I no longer needed to pay rental… plus I have more than 1 property and I could sell that extra property for funds which I could use for anything of my heart’s desire? This is why I do believe I do not wish to touch EPF savings which receives very healthy dividends every year.

Read More »
Career Related

Happy news for teachers. Salary increase soon.

Teachers in Malaysia are set to receive a salary increase under the Public Service Remuneration System. The Education Minister announced a 15 per cent rise for support and management staff, and seven per cent for top management, effective Thursday. Comparatively, salaries for teachers in Hong Kong are significantly higher, reflecting different living costs.

Read More »
Career Related

Did you know these two badminton players earned RM1.49 million prize money in just 1 year?

Pearly and Thinaah of course. Their friendship, their abilities and yes, that language advantage where whoever they play against, they can speak a different language loudly and no one knows what they are saying. Versus you know lah… some language, we all understand perfectly and easily. 🙂 It was reported that as at the end of the BWF World Tour Finals, they have earned RM1.49 million in prize money.

Read More »
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.

Read More »
ABCs of Personal Finance

Money Not Enough? 5 Critical Personal Finance To-Dos

Read more, know more, learn more so that one is able to adapt to technological advancements and not fall behind. This ensures our earnings remain strong and we would be replaced suddenly. Invest into education, skills necessary and always seek to diversify the income wherever possible. Higher pay does not guarantee anything but higher pay allows us to save more.

Read More »
Career Related

Unemployment rising for 18-24 year olds in the UK

The unemployment rate for 18-24 year olds in the UK has risen to 5.1%, significantly affecting young workers. This trend is mirrored in Singapore and Malaysia, where youth unemployment and underemployment persist amid a challenging labor market. The discussion emphasizes the increasing difficulties faced by those without qualifications in the job market.

Read More »
ABCs of Personal Finance

Why Low Inflation Doesn’t Mean You’re Financially Secure

The article discusses the disconnect between low inflation rates and financial security. It highlights how stagnant wages, influenced by market competition and job duplicability, can erode purchasing power, particularly for lower-income groups. It emphasizes the importance of diversifying skills to enhance career value and achieve financial mastery through earning, saving, and investing.

Read More »
Career Related

Tech Salaries Surge: What to Expect in 2026

Digital job salaries in Malaysia are projected to increase by 10.81 percent in 2026, building on a 9.5 percent rise in 2025. This trend reflects strong demand for specialists in technology fields, boosting incomes and economic growth. Continuous adaptation and skill development are essential for professionals to thrive in a changing job market.

Read More »

join the family

Like us for daily investment news and more

Hit the like