My definition of risky is like the likelihood of strike. I do have 2-3 strikes previously, but after that I sell the other direction to earn the difference but strike is still a strike. Imagine so happen all got strike. There are people got burn during the market crash previously holding some counters at high price selling puts.

So this 5M is the household instead of individual? Mine is 4M individual

Usually 1 household also got only 1 husband + 1 wife, + XX kids. The household income is just based on the husband and wife, so is the same here. Just that I thought the 5M goal is husband 5M and wife 5M, but in my case I think if each of us having 4M is more than enough.

I mean it's just a goal that each of us would have at least 4M.

That's my goal. My EPF still haven't reach there yet.


Do you DCA every month or annually?

This post has been edited by jasontoh: Aug 21 2025, 11:09 AM

At this rate no one can FIRE already, unless born inside the right family

Good news is KKM/GH is really doing a good job in check up and delivery. Mine is doing the check up in both private and KKM, but delivery is done in Sunway. The cons of government hospital is they most likely go for the normal delivery and make the decision change like very late (maybe less than 10% cases?). I know from the same confinement center of a baby a bit overdue until almost eat own poo because of pushing towards normal delivery when it should go through the emergency. This will have long term effect on the baby, I'm not sure how is the baby already. Sunway has the package, I think 9K for normal delivery and C Sec maybe 12K, but they also provide the baby with slightly pricier formula (should you need any during the 1st 2 days there)

This post has been edited by jasontoh: Aug 25 2025, 01:49 PM

I think should expose to them on financial/money concept in the young age rather than hiding here and there. Reward them or make them work for their allowances, or part time so that they feel the hardship of earning money. School never teach about financial management and with some schools going to ewallet concept, it's more difficult to educate them on financial management, thus the best is expose them. I compare myself (I'm better in my POV) on financial planning/management to some of my peers/siblings because I used to work part time and have been doing that during my uni times, and I felt it help to expose myself with materialistic environment and earning money is not as simple as watching Youtube.

A bit off topic. What is the different between private practice v employment? Why is private practice looks like starting own business here?

Part of the money earned is to reward ourselves with better livelihood. You might not want to drive luxury car, but oversea trip on and off is good for exposure. Btw, I feel even driving better cars which have better safety feature also a plus point. Of course still depends on affordability.

You cannot compare like this. Age is also another contribution. How old are you btw?

It will be riskier also, right?

His strategy is actually selling options. I'm also doing that (in fact I also tweak my strategy to his and it seems like can get better profit), but right now we never see any stocks that is going 1 direction. If that is the case selling options will be risky. Limited earning with higher losses possibility. I know of people doing this but only one theme, ended up stuck with stocks for that theme, although he can still sell call options, but the premium is very bad and the capital loss are huge.

I play small small only, like betting <50% of my collateral because I worry if stock plunge then all my cash are tied to the stock that I have puts and there are some Mag7 stocks that I don't use to do it. Besides my salary are higher. I'm now getting around 1K+ monthly for the past 2 months after strategy swap. My initial target is just ~3K annually. But the higher earning from options most probably due to the instability caused by Donald Trump (especially Apr-May time frame).

Sell options confirm will profit if you are doing for the stocks that you are planning to buy/sell since you are getting the premium, and if strike (for call), it will be called away at the strike price, so you still get the money - since you already planning to sell at that price. For put you ended up with the stock that you intended to buy at that price. Eventually those will be your real big money maker - at least to me.

Not really. Your capital will reduce and it will take you twice or more effort to gain back.


Eg Stock at 100, you are selling puts at 90 and say earn 1.00. The stock on Friday dive 50% now trading at 50, you can choose to cut loss if you are still awake, but it cause you ~50 to cut loss, or choose to use your capital to get assigned. If cut loss, 100 (50 - 1), 4.9K gone case. If assigned and sell call at say 60, and get 1 (most likely 60c), how many call options to sell to recover your capital? This is assuming the stock did bounce back, and finally hit your strike, then you still recuperate some of your capital. But if it is one direction down say ~80% in like the whole year, you still can get lower premium selling call options, but eventually the premium is so little that it takes you maybe 5 trades to get 1.00. This is only for 1 stock, imagine if hit more than that. Even selling options many times still takes forever just for you to recoup your capital. This happened to one of my friend actually. Now he is still selling call options, but he know he is at loss because his portfolio still 1 figure lesser.

Not to go off-topic, capital preservation is equally important for FIRE

This post has been edited by jasontoh: Aug 27 2025, 06:27 PM

Depends on your risk appetite. Options = 100x leverage. Selling option is limited gain with everything to lose, with higher win rate. That's why I mentioned I know of someone selling options, just because some news that sector suddenly drop like no tomorrow. Yes, he can still continue to sell against those stocks getting assigned. But the overall portfolio already reduced 1 figure. How long to recoup that, no body knows. If he is selling call with strike price lower than the assigned price, meaning he would already realized loss.

Selling options to me is just another method to help shore up cash, at the same time some hedging against some of the stock. But again I don't do Mag7 stocks even though the premium is juicy, because I worry I might regret it. For FIRE, I would still be relying on EPF, myASNB and dividend and stock trading income. Most likely I won't be transferring my oversea assets back since I can use my MCA Debit Card to spend it outside of Malaysia.


12% meaning you have the capital of 1.5M. That's pretty impressive savings given that you are earning about 60K p.a.


Exactly. Can even save on ~30% tax from the dividend for some time before going full auto pilot.

This post has been edited by jasontoh: Aug 27 2025, 11:51 PM

Sorry that's was a bad take. What I meant to say at least in most of the cases I'm seeing it's like the premium is ~1% of the stock price, eg MSFT 507.5 will be around 5.5-5.7.



I don't doubt Ramjade strategy, in fact, I did tweak mine from 45 day to a week, but mine was with lower win probability, maybe that is why the earnings not as good as his.

This post has been edited by jasontoh: Aug 28 2025, 10:28 AM

ServiceNow if 2+ actually the price different is 100, and with the price of ~900, you are committing 90K, so the return for 5 days is ~0.2%.

Just curious before your retirement, surely you are above T20. So now with 0 active income suddenly become B40 and eligible for all those bantuan? The reason I'm asking is because there are a few people that I know of who used to be T20, but after retirement still not eligible for the bantuan.


Although NOW is strongly recommended, but I don't do that. Reason being is I don't want to commit ~90K collateral just in case something went wrong. Also 4% away is too near, mine is usually further away, thus the lower profit compare to Ramjade

This post has been edited by jasontoh: Aug 29 2025, 11:19 PM