You can do it too. Maybe just slower. But it is still possible.

Must have faith.

May I ask, u never tried unit trusts? U go all out on dividend stocks?

Unit trusts are giving me annualised returns of 5.8%, wondering could I raise my investment returns by diversifying some of my investment assets into direct stock purchases.

No. I dun go for unit trust.

time to invest in malaysia reit. before you turn on water in the share, let us know.

Malaysia REITS is not cheap either but the huge potential is alluring.

Yup. I will let u know.

I am looking at IGB REIT now.

I hope you have a window period for the intense sacrifice. Make sure to enjoy the money later...will be good to balance things a bit now. Remember youth cannot be regained.

bravo....Happy Investing...

Have u been to MidValley ? Welcome to IGBreits.
Dividend declare 1.83 sen.

This post has been edited by felixmask: Feb 13 2013, 10:34 PM

I hope to close this window by the end of 2013.

Next year, I shall not be a slave to my pay cheque anymore.

Fantastic! You can definitely retire early!

I assume DW lives in his parents' house...

Sadly, I migrated from Perak to KL, gotta get a house at bloated price

BTW, I go for overseas vacations occasionally, but I choose to stay in budget guesthouses. For example, my room in Bangkok cost just 200B/night - no air-con, just fan, and the bathrooms were shared among the guests

I too stay in my parents' house, but I'm paying all the bills and my dad's pocket money. How to save 70-80%? 25% is the most I can do. What more I'm working at suburban KL where public transportation is useless, car is a necessity not a luxury.

DW is exceptionally single minded and disciplined in his quest for financial independence. Few people will go to that extent to defer present consumption....you are young only once. If you don't spend, how to have dates or have a girlfriend? A lonely life as well?

most KL working class facing the same situation saving onli 25%, except earing 5 digit income with less liability and spend less.

This feb month 0% saving for me, need to spend on MAKAN, ANG POW and visit relatives.

This post has been edited by felixmask: Feb 14 2013, 12:06 PM

70-80% savings probably means no house and car loan. Without gf/bf too. Too early for u to conclude can retire early because when he gets house loan, his savings probably same with other people.

Everything except house(home) is a LIABILITY including GF/BF!

So, I stick by my conclusion. Divi Warrior is an EXCELLENT SAVER and he can RETIRE EARLY than most of us.
Good job, stick with the plan!

Greetings + G'Day,

Great Saver and can retire very soon, BUT how about his/her real life ? In S'pore, very tough to survive for
both Msian/S'porean. In S'pore, u no need car, as public transport are efficient.. But, how abt HOUSE?? Damn expensive ..

E.g of Real Life are Family, Excitement/Entertainment, Vacation, Luxury Gadgets/Exercise tools/Car, ..etc..etc

Hope ppls understand what is life about ..

Have a great day.

I can sense another needs vs wants storm coming soon here

I stand the middle ground, I can see most ppl nowadays place overly high emphasis on material belongings.

Hope ppls also understand what is DEBT is about too.

Some people have no concept of saving, goes on spending spree thinking short term only.. so spent all their cash, living in style, goes heavily in debt, save nothing for retirement, in the end, ends up BROKE!