You are daydreaming 🤦‍♀️ BNM has said they won’t increase any rates in the next few years because of slowing growth so don’t dream OPR go even past 3.5% not to mention 4% but in facts cuts might be in place of next year recession and govt don’t have any money in place for stimulus 🤦‍♀️ as Malaysia inflation is still manageable 🤦‍♀️ so don’t expect any rate increase
Unrealistic 🤦‍♀️ if you don’t want too take any risks as even EPF is struggling to hit 6%
Too late to all on Bitcoin as the low of 1*k 🤦‍♀️ already hitting 40k and won’t go up much from there 🤦‍♀️

I won’t listen to your banker 🤦‍♀️ as they have no foresight and BNM monetary policy is not as independent as what you think as it is stifle by political influence 🤦‍♀️ the only way they would increase is that the economy is on gangbusters with every quarter hitting 6% which is unlikely 🤦‍♀️ with current economic fundamentals

I think you are daydreaming a lot 🤦‍♀️ history has shown already 🤦‍♀️

https://www.bnm.my/monetary-stability/opr-decisions

3.5% last reach was Oct 2008 🤦‍♀️ that was when before GFC and they cut to 2% and raise it later to 3% in May 2011 when the economy recovers and never gone past 3.25% until pre pandemic when it was 3% and they cut to 1.75% which is the lowest they can go 🤦‍♀️ and history shows a pattern that BNM with govt interference will not want to raise past 3% so you keep on daydreaming because the cut might happen next year instead when the Feds start cutting aggressively and BNM will follow pat with at least 2 cuts to match them 🤦‍♀️

The best for him with his risk tolerance and worried too much just put into Versa, GX Bank and KDI mixture