I never used FD, EPF or amanah saham in my calculations. I have always rely on high dividend stocks. Only recently I switch to low yield high growth stocks.

Playing games can bring you to another world, strengthen hands and eye coordination.

Yes. That's right. Time fly by so fast.

This post has been edited by Ramjade: Oct 8 2025, 09:16 PM

love what you do, you will have the stamina
to stay even in extended time


hate what you do every minute feels like eternity
you will have no stamina and
want to quit before half-time
to retire early.


passion makes time disappear
emptiness makes every minute heavy
one can stay longer
the other would retire early....

I used to be able to play games overnight, when there is a new Warcraft/expansion coming out, I played whole night just to go through all the missions. But nowadays I hardly do it, not sure is a sign of maturity or the current games not so fun. My other hobby (coding) is indeed my current job, but I also won't spend like too long on it - not because I don't like but I rather spend some time on other perspective to refresh my mind should I come to any road block on my work.

Personally i think gaming has nothing to do with maturity. Same for reading comics, etc things that we do when we were young. Some guys scared people might say they are still kids cos of gaming and comics, well, personally, i have a kid in my body forever. If maturity = woman and luxury cars, i have them too.

Warcraft was such a great game but i didn't play it. My first mmorpg was Runescape, still at college that time and the phone bill shocked me (tmnet/jaring era). I played FF14 for many years before i stopped it. Actually there are lots of fun games but just a matter if you willing to try them or not. Recently the BlackMyth Wukong, Expedition33, Monster Hunter Wild, Metal Gear Solid 3 Snake Eater Remake, Silent Hill 2 Remake, and some new games are quite good.

If you are into fighting games u can try Tekken or Street Fighter 6, etc, the scene is pretty competitive world wide, many pro-gamers are already 45+- and still competing. The prize in recent years are crazy, biggest one the champions could get USD 1mil-1.5mil, and if it is the one held by Saudi prince, it even cover all the tax to make sure your bank account receives exactly USD1mil - USD 1.5mil. Now we are talking about FIRE.





This post has been edited by HolyCooler: Oct 9 2025, 02:15 PM

Forest City reimagined — A new chapter in Malaysia’s wealth management

https://theedgemalaysia.com/node/773624

Congrats!
I have never FIREd.
But i am 63 years now. Retired and still consulting. AND travelling!
My 2 children are graduated and living in Australia. They just bought their own properties. I paid for their down payments.

Your financials are very impressive! After paying for the children's education and property down payments, i am left with only pittance.
My investments are similar to yours.
- NO FD. Everything cash in EPF- 30% of portfolio
- NO KLSE
- Started investing in SGX in 2011. Banks and REITs for dividends. Approx 25% of portfolio.
- LONGGGGG Gold since 2002. Gold paid for my children's education and property. Physical Gold is now 28% of my portfolio due the rise in price in the last 2 years. Gold/silver miners make up another 20% of my portfolio due to the astronomical rise recently.

Wishing you the best.

how much approximately you spent per kid for the tertiary edu and property downpayment? Rm3mil enough?

How much is a piece of string?
Rm3mil for today's education and property seems ok.

tq for sharing... have one extra sampling point in terms of resources needed for overseas education and property...

if got 3 kids, need 9 mil to relocate them to Australia and educate them........

If just undergraduate studies, AUD100k per year is more than enough.

Rm1 mil for education + rm2 mil for property.

you guys like to simply tembak number...

but he just paid downpayment for the property. if pay full, i think hard to imagine. education 1mil rm enough? damn ... i need to plan

xan share how much is the average property cost there? a lot of us need to plan

Yes 2mil downpayment, 2mil loan.

Right. Most good courses are 4 years course.

About right.


Depending on which city. Sydney is out of whack. Houses are like average $1.5 million
Perth is much cheaper. Approx $750k average.
Melbourne is approx $1mil average.

So education is approx $400k and house downpayment of approx $500k
equals $900k = RM2.48 million in today's rate.

as a malaysian i wont even consider Australia as my sister is there for almost 30 years
once ur kids go there (in this case i refer to my sister) they never wanted to come back
now 30 years plus she has her own family and made it in life she say this to me - study australia ok, have family here = no family
dont get me wrong she has a wealthy and loving husband, she has a good income job, she has kids in australia
now she is there 30+ years and her kids are all adult
her kids is a product of australian made, australian groom, pure australian manage
here comes the problem:
1. culture and tradition all gone
2. empty nester - kids move out when there are 18, some 19 and some 20 and very young age
3. loneliness (husband still alive)

money wont fix any of the above problem

me and her grow up in a big big big family, we stay in kampung house and inside 1 house got 4 generation

Not everyone lah.

Sounds not bad.