i wonder if i should have separate account for savings..

as at the moment i treat my asb as the saving acc. do i put in regular bank as well?
that wont give me any significant return right..

Yes
ASB is UT whereas Savings is for daily use or emergency

For me I keep 1 month cash in ambank Truesavers (2.8% no min amount, no need topup) + 1 month cash in ambank Islamic efd (3.15%)

cash n cards for daily use n emergency... will that do?
sounds fair enough.. 7e always have the ambank atm right

shall look into it

Keep in mind that Truesavers only allow you to withdraw 3X/month.

Yes

that should work.. even now i only witdhraw like 2-3 times per month haha

Online transfer is counted as withdrawal ya.

If you are OK with lining up to withdraw your ASB, you don't need to open any bank account provided it's convenient for you.

Younger workers need to save more to ensure that they have enough savings for retirement, ideally accumulating 12 to 14 times their last annual salary, Allianz Asset Management AG said.

This is crucial as the Malaysian retirement pension scheme does not provide an adequate retirement income, its Head of International Pensions, Brigitte Miksa said.

"Workers close to retirement age today will have exhausted their assets in the first five years of their retirement.

http://www.bernama.com/bernama/v8/bu/newsb....php?id=1194243

Well, I've reported before but no news. Since if they take action = take action against cronies.

Bullshit.

Well, I put they take action you still will say is bullshit. As you are trying to deny the facts so that you and your cronies can make fast money by cheating.

Cronies? Dafuq u've been smoking? That shit really works on u ya.

Again, let's go together report me at BNM. Are u fuckin afraid?

Sohai only came here to bash others. Typical keyyboard warrior bastard. Ur mom must be so proud with her sissy son I guess

Before making new year resolutions, here are some year-end personal finance tips:
1. Upgrade your PC
2. Do a medical checkup
3. Buy books
4. Upgrade your sports equipment
5. Save in SSPN
6. Make PRS contribution
7. Check your Investment-linked insurance fund performance
8. Funds for car insurance & repairs
9. Funds for home maintenance
10. Balance the proportion of investments that you keep in stocks, forex, real estate
11. Estate planning/Will writing
12. Review health insurance

Feel free to add more suggestions

What do u know about those two options?
And have you a general idea on how to start trading?

At your age, the best investment is in your education

Don't think age is really a variable
But yeah, you should at least know the basics before investing or you will lose your money.

does it mean those that knew the basic (and those that are experts) will not lose money?

Less chance to lose money as you know what are you doing

less chance is nOT "you will not lose your money"