found this while googling...hope it helps....
What is inflation and how should it affect my investing?
http://www.investopedia.com/ask/answers/156.asp

How does inflation affect your investment?
https://www.equitymaster.com/detail.asp?dat...your-investment

The relationship between inflation and investment
http://www.investingexperience.com/the-rel...and-investment/

Inflation and Its Effects on Investment
http://econc10.bu.edu/Ec341_money/Papers/Gerolamo_paper.htm

Inflation and Its Impact on Investments
http://www.pimco.co.uk/EN/Education/Pages/...tionPrimer.aspx

Inflation And Investments
http://www.investopedia.com/university/inf.../inflation4.asp

more on google....

Hey jrkt,

It's better late than never, you're only 25 so you've still got a long way to go.
I like that you're specific on what you want.

Questions off the top of my head:

1. Do you have a specific retirement age?

We want to retire after 20 years and the earlier the better. We just want to lead a simple life. A place to live, enough saving and some extra cash to travel.

2. When you say low risk appetite, how low can u go? 

Low as in 1:1 risk to return ratio, is this reasonable and attainable?

On to your queries:

1. Regaring your PTPTN loan, pay the minimum monthly which enables you to get the 10% discount if the discount is still there. The interest from PTPTN is quite low and there's nothing to worry about there.

Ok so this should not be the priority on the list? I just don't like the notion of having debts. 

2. Emergency funds, yes. From many of the previous posts, try to keep a 3 month buffer for yourselves.

Well there is both of us, so I will put park 6 months of salary into FD as suggested by the post by Mr Smurfs. < this will be my priority now)

3. Speak to the many experts here in the forum. Since u dont plan to have kids, maybe focus on your hospitalisation and surgery insurance.
Another new knowledge! Ok I will look into it in the Insurance section of the forum. Don't wanna spawn any more questions 


4. What kind of portfolio? Do u like shares? Properties? Unit Trusts?

I have some basic understanding on the portfolio now after I read my junior financial management lecture notes. Correctly me if I am wrong, I need to have healthy portion of fixed income,equity and cash in my portfolio, and this portion will be determine on my risk appetite right? If yes, how will you ration these instrument if you were me ?

Shares ? Big nope at first but after having read your blog, seeing how you generated passive income in the form of dividend,  I must say hmmm hmmm  I think I have no reason not to go for it.

Properties ? As in buy house for investment? I don't really like the idea of paying mortgage more then 10 years. Seeing my peers is locked for 30 good years for a RM 500k house is freaking me out.

Unit trust? I have no understand on this instrument yet, I will look into it and will seek guidance from you guys again.

5. The plan depends on your monthly expenses now and when u plan to retire. Maybe u can provide those figures? I can come up with a rough calculation for you. Also I'm a certified financial planner and if you need a more detailed plan, you can always buy me coffee and I'd be more than willing to spend some time to go through your plan. No charge. 


Thank you, I think should get into budgeting real soon and we shall see then. Haiya coffee mahal oh, we stick to the forum first lah, I am sure the are others like me here, having open discussion can benefits others too.