Do consider put more weighting to properties. If you are more into property 5 years ago, you could have achieved RM1m by now.

My experience with property and shares :

The returns of the right shares is better than the right property
The returns of the average property is better than the average shares

I am leaning more to properties because I need lesser luck to buy the right property compare to shares 

Ok just sharing...

Age: 29
Occupation: Recruitment Consultant
Marital Status: Not married

Assets:
1 car - 2 years old worth 90K
1 house, 2 condos, 1 shop lot (shared ownership with 1 more person)
Investments:
Stocks: 60K
FD: 350K

Savings in Bank: 60K

Liabilities:
1 housing loan, 1 car loan.

Currently finding what I can do with the cash, I don't want to invest in stocks anymore as I feel stocks are already quite high now.. Don't want to go into properties as I'm already holding some. Sigh...

That means I still have a car loan and a loan for one of my house.

I've actually been working for 10 years... and to be frank luck has a lot of hand in it.... Also the country. I'm not working in Malaysia.

Just to stay on topic, how do you guys track your net worth performance?

I have a simple spreadsheet.  It's nice to see the growth on a graph.  I'm averaging 2% every month.

Gold bro, average is affected by high / lows gua.

IMHO - please shoot and advise (criticize with data & perspective) 
a. I think more realistic = "median" or the 50th percentile
My "average" since tracking monthly from 2009 is 2.49%pm (mostly due to sorok-ed bonuses' spikes)
BUT my median is 1.82%pm only.

b. I think for realism, one shd use a XX mths moving average or median, thus the previous old-old years' data don't over-skew "current reality".
eg.
For a moving 12-month's moving average: 2.05%pm
For a moving 12-month's moving median: 2.24%pm

c. In addition, one may also want to take a yearly ROE / net worth growth or a moving 12 months' ROE / net worth growth too, to put things in perspective
eg. 24% to 28% pa+/- for the past few months.

Thus, if i look at (a) to © with the examples above, i can figure out that...
1. looks like my "more current" (12 months' moving) net worth growth seems to be snowballing a bit faster than history (2009 onwards)
coz median for (b) & © correlates and is higher than (a)

2. Spikes are evident
looking at the disparity of average vs median for (a.) - thanks to my bosses <kiss kiss mmm nice shoes U have Sirs> 

3. There were some SEVERE dips in my past 12-months' growth
coz my 12-months' moving average is lower than my 12-months moving median.
Averages are greatly affected by outliers
Medians arent

Note - my starting pot small & lots of debts mar + started to save like heck, thus look big the %
Still slogging like an ant 

Indexes at both Indonesia and Thailand markets are at record highs at the moment... Thread carefully and good luck.

Stock market record highs. Property, gold, silver etc everything also so high. If sell the stocks, also dont know where to reinvest the money.. Put in FD, sure eaten up by inflation. Any advice?

hi prophetjul,
 
    Do you agree the more money printing@QE out by US & Japan, the stock market will continue bull....

“They didn’t speak at all about what’s going on in Japan, the Bank of England, or the Federal Reserve ... In Japan, under the regime of Shinzo Abe and the new central banker Kuroda, they have set up the globe for what I see as the next significant crisis, which will be exponentially worse than 2008.


...They are not only setting up the Japanese economy, but the global economy for an interest rate slingshot which is going to send yields from where they are now at about .5%, to 2% to 3% in a matter of weeks.  If that doesn’t send down the global economy, I’m so worried about a crash in global equities stemming from the earthquake that is going to occur in Japan. 


It’s going to metastasize across the ocean to the United States because we are doing almost exactly the same thing that the BoJ (Bank of Japan) is doing now ... What Japan and the US are doing is going to lead to sovereign debt collapses in the next few years.  And when the collapse of sovereign debt occurs, you are going to see sovereign bankers having to step up their level of debt monetization.


They will be faced with a decision:  They can either watch the interest rate vacuum take place and see yields skyrocket higher from the artificially depressed levels of 1.5% on the US 10-Year or .5% on JGBs (Japanese Government Bonds), all the way up to a level that is well north of the nominal yields on Treasuries.

You are talking about interest rates that could go from .5% in Japan, to 2% over the stated inflation rate.  In the United States it could go from 1.5% on the 10-Year to 6% or 7%, and I’m talking about that happening in a very short period of time.

So these central bankers and politicians will have to sit back, watch, and cheer on a global depression.  Has any central banker showed any indication of allowing the free market to be reinstated and to work its magic?  It’s absolutely out of the question

So, my prediction is once this vacuum takes place, once these central bankers step away from their debt monetization and realize they have been the only buyers of their sovereign debt and the interest rates spike, they are going to have to come in (to the markets) in a much more significant way than they already are.  That is going to lead to what I see as global intractable inflation for a very long time.”  .

Salary RM6k, both of the houses are shared with my gf. Her salary is about the same as mine.

first house will have to start paying in 2015, while 2nd house will be in 2016.

Still am I in deep shit?

   

Oooo.... heavily regulated by gomen & gomen is looking for every excuse to take your license away, and with rm20mil turnover a year.... roughly can guess what business your company is into 
That's reali a cash cow u hv got there man! 

Age: 27 (28 in 2 months time)
Occupation: Finance Manager
Marital status: Single

Asset:
Cash in bank = SGD$74k
Stocks = SGD$300k
CPF = SGD$40k
Crypto = SGD$15k
Income = SGD$7k per month

Liabilities = None for now. Planning to buy a house in SG in the future, but housing prices just keep increasing.

Parking to look back in the future on my growth.

Give the benefit of doubt maybe he can. Or sometimes for Msian PR in Spore the monies some are family members chip in borrow his her name to help them invest so called passive investor. I.e they supply partial capital.

For me although Sporean my parents also chip in use my name as they dunno how to invest. All they ask for is got dividend take higher than FD will do.

I'll make a record here and see in few years time how much can changed.

Age : 33 & 35 (me & wife)
Income Combined : RM 19k nett
Rental income from house 1 : RM 2.3k

Assets :

House 1 MV : RM 600k
House 2 MV : RM 730k (Undercon)
Cash in flexi loan : RM 80k
Stock : RM 20k
EPF (Combined) RM 600k++

Liabilities

Mortgage 1 : RM 480k (RM 560k if remove cash in flexi) (Installment RM 2.8k)
Mortgage 2 : RM 550k (Currently disbursed RM 330k) VP 2024 (Installment RM 2.5k)
Car loan    : RM 8k

Net Asset    : RM 912k++

Monthly expenses :

RM 3k to parents
RM 3k for kids kindergarden & Nanny
RM 2.8k for mortgage 1
RM 1.2k for mortgage 2 (serve interest)
RM 1k for car loan
RM 1k for insurance whole family
RM 1k for kids expenses (Diapers milk etc)
RM 4k for food,entertainment & misc

Nett cashflow : RM 4.3k

1) Currently staying with wife parents, planning to buy 3rd house since kids are growing up, maybe purchase undercon landed in year 2024 and VP 2027

2) Wife using parent's car, so might need to buy new car when moving out.

3) House 2 is investment house, will rent out, maybe cover installment but not maintenance fee.

Long-term target : By 60 yo EPF RM 5mil. My plan is just live using EPF interest @ 5% pa when we retire, or maybe extra 1 % from principal, not going to keep all my EPF money to childrens 

Short-term target : RM 1mil in EPF respectively, enough saving for kids education in 13 years time.

Big changes in monthly expenses when purchasing new house & car in few years time, hopefully by then income goes higher abit to cover 

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?