Hi guys would love to get your advice on my personal finance.

Age 26
Gross salary RM3380

Investments
Asb loan - RM150k (monthly RM813) - now dividend more than RM10k
Tabung haji - RM100 monthly (less RM2k)
Unit trust - RM500 (just started - will practise DCA)
Stashaway - RM100 (initial deposit)

Expenses roughly
Housing loan - RM1320 - house still under  construction, another 4 years to complete -- so i havent paid full installment yet
Food RM500
Transport RM200
Rental RM500
Misc RM200-300
Parent RM100

So now i was thinking of purchasing reit stocks which i want o allocate RM2k (taken from bonus) for that as a start. I feel like im rushing with my investment

What do you guys think?

Hi, not the owner of the question but saw your reply on removing from Stashaway. May I know why? Quite new to financial stuff and investment still so might need a little guidance with it 

Age 25 (non-bumi)
Gross salary RM3900 after epf, socso, pcb etc
No side income @@

Emergency Fund - 10k

Investments
StashAway - RM15k

Expenses roughly
Rental plus utilities - RM550
Food - RM450
Insurance - RM390
Transport - RM60
Misc - RM200

Remaining - RM2250

Currently most of the saving will go to StashAway (1.5k monthly)
Remaing 750 not sure where to invest yet. Still learning about investment.

Any input is welcome

but medical insurance premium increases with age. if one was to do away with the medical insurance, won't it be more expensive to sign on if found out the new co does not/lacking in coverage?

that's nice on having medical insurance coverage by the companies you worked/work in.

as mentioned in my previous post, one gets to save money for other area of redeployment since it's cover by company. but the downside is that any pre-existing illnesses will be excluded if one is to take up ones own later.

as for medical costs, depending on the type of illness, i guess. minor illness, money saved over the years could cover. but major one, which requires hospitalization, the fees could be more than the premium saving.

still, not saying one must get medical insurance. just need to know both side of pros and cons.

true true. nowadays, orang cakap, boleh mati, tak boleh jatuh sakit. sigh... it's this type of world we live in now.

on another note, i think it's better to buy term insurances for all. then use the extra to invest/savig.

Hey guys, I'm single and here are my Personal Finance status

Gross salary RM4000-RM8,000
Its pretty random as its basics with comissions
Monthly expenses (Food, groceries, work related etc) RM800
Parent RM300
Rental RM250
Car loan (Share with siblings) RM250
Insurance RM210
Phone RM 50
Internet RM100
Electric RM100
PTPTN RM230 (Left 18 Grand more)
ASB I max up to 200Grand (RM1,000 per month) roughly
I steadily save up 3Grand-4Grand per month.

Total saving : 168Grand

I seek you guys advice on what should I do with the 168k in my saving account. I'm planning to close 200k end of this year. Your insights much appreciated.