just sharing, seems WISE has multi-currency card launching in Msia soon.

just give it a shot
u try login and see if have this

No la. I have borderless and never get any invite.

No. It's account where you can received and send foreign currency like a local in that country. You will even have a virtual bank account with your own account number.

Simple finance calculations. 1 million in 2026, assume compounding rate of 6% p.a., shall we. PV*(1.06)^5 = 1 million, PV = 747,258 (about 750k).

My assets are nowhere near 100k 
Mins sharing your discount rate, duration of investment, and future value (or present value)?

My view is a bit different. The only astute investor is the finance controllers of the company. They are the true insiders who can price securities exactly. There isn't any alpha (over the long run) for a typical active fund managers, let alone retail investors. 

When I have a big account, I will make sure the private bankers stay far away from me first.
Even if you choose 7-10%, the discounted present value is still way above my current assets. 6.5% p.a. is about my current IRR, though I am aiming for 7-8% in the long run. 

It's total return here, not just dividends. Capital gain + current income = total return
"Well-off" student? Nowhere near that. 100k as in MYR. I wished it's USD.

Happy new year to everyone.