Suspect you purchased your house 5 yrs ago, now should be about to exit lock in period.
Refinance your current house with flexi loan, then put your FD under your flexi loan to knock off the interest, ONLY IF they new loan rate is HIGHER than your FD rate. I would say, if your FD locked in ages ago, there may be slim chance FD rate higher than new loan rate.

Another one would be, pay off your car loan first before your house loan, because the interest rate for car loan is generally always higher than house loan. go for early settlement and ask them to calculate how much u need to pay back. (even without the FD, may unlocking equity in house to pay off car loan, to save on interest component, if u have no intention to use the equity for other purpose.)

Full flexi loan also allows your to draw down anytime to repay your uncle on cash call.

very healthy net worth position for a 28yo. Next big spending to consider is wedding. But seriously, if you are the risk taking type, consider to have higher return investment, still young and can afford to be dangerous.

If risk averse, consider to repay debts only if the cost of the credit is very expensive, e.g. credit card, personal loan, else usually property investor will say borrow as much as you can, wisely.

before learning how to earn more, MUST LEARN HOW TO SAVE MORE.

Trying very hard to put that into practice.

this may sound simple trivia question to some, but still interested to know.

In Malaysia, I heard that foreign income below certain threshold is not taxable under company operating profit. Does the same applies if you earn based on personal foreign income? i.e. dividends and rentals from oversea investments.

Somewhere along the line, you will have to be considered as 'tax residents' even if you are not their actual resident, if you earn substantial amount. But that is based on employment only or applicable to general investment income also?

roughly what is the threshold for our neighbor countries, e.g. Singapore, Australia?

Would like to point out my understanding, dun think your networth diminish just because you took on a housing loan.

Just like you take on a personal loan, you get the money up front, you get a liability up front too, on balance sheet, the asset and liability match (almost matching, ignoring transactions fees or up front interest).

So buying a house, you owned the house (asset), you mortgage your house, you get cash, you get liability. If you take new housing loan to financing for new purchase, your net worth drops when your house value drop by a lot, while your liability still have outstanding to pay. Usually, net worth increase when the prop appreciate more than the housing loan outstanding, that's how people build their net worth with Real Estate.

of course unless u took housing loan to renovate the house, that does not reflect in adding value to the market value of the house itself. Meant for a joke, e.g. put a fish pond in your living room.

Cheers.