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 FI/RE - Financial Independence / Retire Early, Share your experience

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Smurfs
post Sep 12 2018, 09:04 AM

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QUOTE(Showtime747 @ Sep 12 2018, 08:33 AM)

If a person has to work for 12-14 hours a day, in my observation he is a work slave

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It depends.

If a person is so passionate about his job, work for 12-14 hours a day proved that he/she found the fulfillment at work, and vice versa.

From what i observed in my company (MNC), quite a number of employee practices the following thinking :

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- They come on time, leave on time.
- Work as per instructed, won't go extra miles
- Free time ? Lazada / fb / whatsapp
- get average performance appraisal and blame company do not appreciate hard work of employee

The concept is good but t it is often MISUSED . If one is able to concentrate during their working hours, no FB/lazada/whatsapp and such, then come on time and leave on time is consider highly efficient and productive.


Smurfs
post Nov 28 2018, 02:01 PM

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I miss reading this thread.

How's everyone doing? Shall we continue with the discussion?

Some updates recently :

- Malaysia's FD promo rate is getting higher ie ranging from 4.3 - 4.5%
- Meanwhile KLSE's performance not that great, KLCI being drag by TM & genting couple with below average QR (across listed companies) for the recent quarter.
- 1 USD : ~4.2 RM

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This post has been edited by Smurfs: Nov 28 2018, 02:02 PM
Smurfs
post Nov 30 2018, 03:16 PM

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QUOTE(ListenToTheWind @ Nov 28 2018, 08:52 PM)
I'm glad I manage to achieve my goal for this year earlier than expected, which is to set aside RM 5k every month, RM 60k / year. However, my investment generally perform below my expectation, especially my trust fund is at -6% instead of +10% as per their past 10 years performance. And my ETH  doh.gif , luckily I didn't went into with my real money.

Will continue to stay frugal & stick to my plan in the years to come.
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What is your investment instrument and asset allocation like?
Smurfs
post Nov 17 2019, 09:01 PM

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QUOTE(moosset @ Nov 17 2019, 07:35 PM)
do you guys sell stocks to take profit, or just buy dividend stock??

what if the stock price doesn't appreciate after dividend has been distributed?
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Do you have an example of the stock that you just mention?

If the stock has reported good earnings and good management, there is no reason to sell unless you are going to use the money.

Sometimes dividends that you received cannot cover the loss of share price.


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