KLCI return is -10% over the past 10 years. It's not easy to yield a good return from Malaysia stocks.
Only 11 out of 30 stocks in my portfolio r in KLSE. They are a mixed bag of big and smaller cap growth stocks with div yield of around 4-5%. I bought them for capital gains as I also trade the volatility. Good dividend yield is just a bonus.

This post has been edited by newbie99: Feb 22 2025, 02:51 PM

Got it. Thank you so much for your sharing

Can’t tell the future. So better track global index index and pivot a bit to emerging markets for now.

Morning guys,

I am 33 years old only, but earning around 7k to 9k per month, working as chemical engineer.

My net worth is very low, everyday I eat mostly roti and nasi lemak only.

I driving proton persona only, very cheap car.

My net worth is around RM950K (including EPF, bank acc, stocks and shares).

I got no debts as of now.

My car - Paid in full cash.

All personal loan already paid back to bank.

As of now, zero debts.

May I know am I doing something wrong? Should I be earning much more as a 33 year old Malaysian?

This post has been edited by Positron: Feb 25 2025, 12:19 AM

nearly 1 mil at age 33, you are doing great!

don't let other people tell you otherwise.

Wow that is very very big savings
Considering you so young, working for 10yrs or so?
Already can save so much...
Income RM96k a year...
Already paid up everything....still got so much left
Amazing

You're doing well dude

Yea, you are sacrificing your health. Eat healthier, work out more bro.

Whats the point of having high networth but you can't spend it later?

depending you are satisfy with your life or not.

because if you compare to the mass, consider doing OK.

but if you are ambitious and want to compare to the elite, there is room for improvement.

but everyday eat roti and nasi lemak won't bring you to the elite.

your income is from active salary that is attach with time, this can't bring you to elite.

there is nothing wrong of not reaching elite, it depends on what you want.

This post has been edited by skty: Feb 25 2025, 05:18 PM

As of now working for 7 years in chemical engineering field.
Yes, I got no student loans too since I had full scholarship in chemical engineering.
But as a side note,

I know this sounds not important, but I had never drop a single A in public exams.
UPSR - 5 As
PMR - 7 As
SPM - 11A1
A LEVEL - 5 A's (Top 3 student in my batch) in Sunway University.
Uni - 2nd degree honors (Yes actually at this point in time, I felt abit demotivated, since I am single and never had any gf in my life).
So i kinda let the gas off, and just didn't feel the need to push tilll I get 4.00 CGPA.

Well, time flies, but at least I am debt free, only issue is I am still single, no girls want to date me.
But like you guys said as long as the heart is happy.

Now I am eating much healthier food.
But as of now I only eating 2 times a day, lunch and dinner.
I heard scientist claims that the less you eat, longer you live.

Can't really have a scientific claims on this, but take it at face value.

Thanks for you advice.

I think most important in life is being happy together with the ones you love, family.

These are priceless things in life.



This post has been edited by Positron: Feb 25 2025, 07:16 PM

When girls see your net worth, they will come flocking.

This post has been edited by Barricade: Feb 25 2025, 07:34 PM

You are doing right!

Wow congrats, no GF no issue lah
super top student didnt take up top choice in U?

Would you have earned higher income if you chose to be a doctor.

just curious.......
salary RM96k x 7 = RM672k
can give some tips how you accumulate so much in 7 years?

gold diggers you want?...

7 yrs experience 9k pm... imho a bit on the low side... dunno if you are doing anything wrong... high IQ only gets you so far... you need EQ to get ahead... and luck/godfather to make it big... ive known some super smart ppl but they are assholes and hard to work with...

also dunno what type of company... and if they have separate management ladder and technical ladder... obviously management gets higher pay and go further... but some ppl really like technical so there is that...

as for your net worth... we all agree here you are doing OK...

as for gf... probably need to build up your personality/EQ more...

If you really want more... considering your experience and also your good academics, can move to Singapore to turn RM9k into SGD9k. Of course your quality of life may drop a little because Singapore living space is really small.

In MY if you really want to make it big, can only go the business route. Turn your chemical process knowledge into business ideas

The 950K could snag a nice Porsche GT3 RS...YOLO

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This post has been edited by Haloperidol: Mar 8 2025, 07:49 AM