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

You are right 👏 BNM has balls while letting RM depreciate 🤦‍♀️ as you can see now Indonesian and Phillipines are strengthening against USD while RM still hanging around in the high 4.6 range

History repeats itself in Malaysia 🤦‍♀️ as BNM is dictated by it and market has shown it already as it keeps on repeating itself since RM was released from the currency exchange green in the late 80s 🤦‍♀️ as you wouldn’t know because you will never understand and learnt from it as local bankers are not as smart as what you think as they are more vultures

No investment is covered by PIDM in the 1st place 🤦‍♀️ as only savings and FD are covered by it 🤦‍♀️ as you cannot it as investment but savings bonus which GX is covered by PIDM itself 🤦‍♀️