Age: 39
Occupation: Regional lead in Finance
Marital status: Married with 2 kids

Asset:
Cash in bank = 3k
Apple shares = 500k
Unit trust = 20k
PRS = 30k
StashAway = 300k
SSPN = 600k

Liabilities:
None. House and cars all fully paid. No debt.

Age: 44
Occupation: Retired engineer
Marital status: Married with 2 kids

Asset:
Cash in bank = SGD$125K
Stocks = USD$500K
FD = USD$2M
CPF = SGD$500K
House = RM$900K
Income = Varies, from stocks, dividends, options, fd

Liabilities:
SG income tax year 2020 = SGD$23K (30% paid)
Insurances = SGD5K pa
Car loan = RM$70K
Kids education =RM$40K pa

Was in the semiconductor industry where I was paid in SGD and stock plans in USD. That explains why the bulk of my worth is in USD. Could have more SGD but it was used to pay off income taxes worth about RM$2M to the PAP government for exercising my company stocks.

Yes, commenters in this forum really helpful. You have to study before you invest.

Just my 2 cents, if you want 100% of return around 4%, you can invest in SSPN prime.

If you want slightly more, you can consider high dividend yield stock, example like KLSE Tenaga, Maybank, collect more when market is bad, don't invest in lump sum if you are not confident enough. Or you can buy batch by batch, dollar cost averaging of investment reduce the effects of investor psychology.

You can also consider robot advisor platform, like Stashaway, Akrunow or Wahed, some ETFs perform very well, example like SP500, VOO, QQQ. But take note that US market all time high now. A bit risky at this moment.

Hope you found it useful in your investment journey, cheer! 

i'm a guy lel, why even ask.

You can't blame those who predicted the future correctly and moved their assets - or moved themselves - out of the country early enough not to suffer the horrendous depreciation in value that came with years of mismanagement, corruption, cronyism, nepotism and abuse of the NEP under successive regimes.

I'm lucky I hopped on that train before it left the station.

If one is selling time for money, why not sell for GBP, USD or EUR and then spend on MYR, VND, Baht, or whatever lower standard living country?

that's the thing.

many thought in order to earn SGD you have to be physically in SG. To earn USD you have to be physically in US.

but actually not.

I’ve come to a point where our annual passive returns have exceeded our usual annual expenditure with excess to spare.

But old habits die hard. We got here by being prudent, chronic savers, blessed with outsized incomes. Wealth didn’t land on our laps, but was earned by hard work and long hours.

Hard to shake those habits off…

Hello everyone,

I’m feeling uncertain about where I stand at my age. For some context, my wife took a two-year break from work, which made things financially tight for a while. I’ve been covering her car payments, insurance, phone bill, our child’s kindergarten fees, and other expenses. It’s been manageable, but our savings and investments haven’t grown much during this time.

The good news is, my wife will be returning to work soon, and her salary will be surplus income for us. This means I’ll be able to save at least MYR 3-4k each month.

Info
1. Age : 37
2. Job : Comms/PR
3. Status : Married with a kid
4. Nett Income : MYR 11k

Assets
1. EPF : MYR 296k
2. ASNB : MYR 13k
3. Crypto : MYR 18k
4. Stocks : MYR 8k
5. In Bank : MYR 2.5k

Liabilities
1. Car - Fully paid for (13 year old car)
2. House - MYR 259k remaining, at MYR 1500 mthly, 26 years to go
3. PTPTN - MYR 45k

I am wondering what is the income for T15? Now they are talking about T15 won't get petrol subsidy and hospital subsidy, i think this is damn stupid, i paid a lot of tax yearly and i can't get the same benefits as others? I am feeling i keep kena robbing. I wonder if i retire, no more monthly salary, would i become B40? If so that is the thing i am going to do if they keep robbing me    (I don't mind to take out money to help people, this is something i am doing very often, but taking away those benefits from me made me feel like i kena robbed and feel like i am not being treated equally as a Malaysian)

前几天大马统计局推出了2023年生活成本指数报告，报告显示，目前在大马的体面生活基本开销为：

单身汉：RM 1,733/月；雪隆地区则需要RM 2,237-2,300/月

已婚的二人世界家庭：RM 3,157/月；雪隆地区则需要RM 3,637-3,765/月

育有两名孩子的家庭：RM 5,445/月；雪隆地区则需要RM 6,308-6,560/月



看完后天哥不仅感叹说，原来目前的生活水准已经那么高了哦？当然，上述的说法是过得体面，就是起码达成基础需求，该吃吃该喝喝该享受享受，而不是省吃俭用的活着，也难怪现在的年轻人总是说存不到钱。是问题是，这个数额是准确的吗？他们是如何计算呢？

今天我们就来一起算算看吧，当然天哥不能代表全马人，因为生活成本本来就因个人生活方式、居住地区、家庭状况而异，我们不妨就算算看，一家四口在吉隆坡地区的成活成本吧。



首先居住是最关键的考量。如果在吉隆坡区域租间比较正常的公寓，租金大概是RM 1,500-2,000左右。而如果选择买房的话，供款可能会介于RM 2,000-3,000左右。当然，这个数额变化会因为地区更靠近中心或者更高级的公司而变得更高。

所以我们取个中庸，也就是租房大概RM 1,800，买房大概RM 2,300就好，当然买房会多了一些杂费，那么平均来说，每月成本可能就要RM 2,800左右，解决了一家四口的居住问题了。当然，这里说的是体面生活，而不是挤压式租个外劳区或买个残旧单位之类的。

解决了居住问题之后，下来就是最关键的生活日常，也就是食物和杂费（包括水电煤或者宽频和电话费等）。一般上来说，如果在普通茶室用餐，那么一顿饭的费用大概为RM 10-15之间，而如果是去其他餐厅的话，一餐的费用则介于RM20-30。

以早午晚3餐来算，一个星期总共21餐，2、3餐吃得好一点，其他则正常用餐的话，人均花费为RM 300一个星期，一个月就要RM1,200了。如果一家四口的话，完全在外面用餐，那么一个月就需要RM 5,000左右了。当然，小孩子因为食量较低，可以减半以上，但是RM2-3,000左右是免不了。

不过一家四口的话，应该不至于每餐都外用，假设是自己煮的话，一天的食材控制在RM 50以内，那么一个月也是RM 1,500左右，再算点奶粉钱，然后时不时出外用餐下，RM 2,500左右也是免不了。至于水电煤+电话费，RM 300-500也跑不了。还有幼儿院费用呢！两名孩子起码RM 1,500左右，这样都RM 4,000了。

再来当然是交通费用，买一辆“国民跑车”MYVI，月供、汽油、维护，甚至是停车费等，平均算下来RM 1,000-1,500应该跑不了，然后一些保险甚至医疗费用等等，RM 1,000左右应该也免不了，结果算下算下，天哥自己都软掉了，原来要稍微过得体面些，一家四口没有RM 7-8,000应该都不能算过得去。如果算上其他费用，可能还要多个RM 1-2,000，就要接近RM 10,000了。

当然，或许有些人会觉得，天哥上述算的好像太多了，又或者太少了。其实说真的，支出方面，并没有一个准确的数目，每个人各自都有自己的生活成本。上述是以过得去的数目计算，更节约的人，很多费用可以控制的更好；过得更精致的，上述费用则还要再往上添加。

政府的计算，其实是蛮准了，但因为数据涵盖各个种族，加上华人跟他族的...

Buffett offered a suggestion for all parents, wealthy or not: “When your children are mature, have them read your will before you sign it.” He said it is better for children to be able to ask questions when a parent is still able to respond.

In discussing his fortune, Buffett, ever the teacher, highlighted the importance of compounding, especially after many years of investing.

“The real action from compounding takes place in the final twenty years of a lifetime,” he wrote. “By not stepping on any banana peels, I now remain in circulation at 94 with huge sums in savings—call these units of deferred consumption—that can be passed along to others who were given a very short straw at birth.”