Depends on how much is in yr EPF.
Otherwise, just get used car.

Installment or leasing...can try kinto if want to lease Perodua or Toyota cars. Ativa seems good choice, but if for buying wet stock like fish and meat, rather have proper trunk like sedan car coz of the smell.

ativa is fine... go for it

my kid's fren family got 3 ativas... lol...

If i were you i wait for the Nexis.

Price different should not be much maybe around +10k.

||Ativa AV|Nexus|WRV S|

Price (K)	73	?	90
Length	4065	4310	4060
Width	1710	1770	1780
Height	1635	1615	1576
Wheelbase	2525	2620	2485
Kg	1035	?	1108
Engine	1.0T	1.5NA	1.5NA
HP	97	105	121
Nm	140	138	145
Bootspace (L)	369	452	380
Rims (inches)	16-17	17-18	16-17
Ground clearance	185	210	207

Nexus is definitely priced above Ativa as a full B-segment SUV (with higher ground clearance). Most buyers are actually waiting for the hybrid which is likely to br parked under Toyota badge possibly bringing the price over 100K.

The lower range P2 variants should remain competitive vs other brands like Honda WRV or the ridiculous DOA Hyundai Creta.

Do note that if Nexus comes with NA engine, you lose the addictive low rpm max 140Nm torque from the turbocharged Ativa perfect for city drives.

Also I couldn't get an accurate data for Nexus weight. This is important if the myvi 2nr-ve 1.5NA is used in conjunction with Daihatsu's DCVT that has a max 150Nm rating hence the engine torque cannot exceed 140Nm. Some P2 models using this engine/cvt combo
Myvi 1000kg - power ok
Alza 1150kg - 2 pax ok full load no power
Aruz 1300kg - with ancient 4AT, severely underpowered.

For my choice is easy
I always choose 4 cylinder natural aspect over 3 cylinder+turbo so my choice will be the what nexis?nexus?
Because i don't like 3 cylinder and turbocharger in my personal vehicle.

Since only you and your wife , my self also married and childless, i don't need those instant torque speed from turbocharger etc like people nowadays everything also need in racing mode .

Really depends on your pocket and also your family/body size.
If got cash and bigger size for sure Nexus is the more better choice. It is also knew as Yaris Cross at oversea and you can google it to see the interior & exterior design. Our local Perodua mostly just modify some minor changes, but it will be very similar.

X50 or wait for Nexis. Ativa is already 3 years old "soon" to be facelift.

3 cylinders like in X70 when its new you cant feel much. But after XX thousand KM you can feel it.

Also, Perodua is much more cheaper to maintain in the long run and having more tech in your car can be troublesome and costly to fix too.

The wise choice is. Down to your preferences and need. If you can save, just save and use the money on something else. Like tinted etc

Considering your requirements, why not get an  EV? Perfect for town and occasional outstation trips..
I'm retired too and had an Ativa for 18 months... Changed to MG4 in April and can't be happier...
The Ativa is great value but be aware of a few things..
1. Need to get used to waiting 2.5-3 hrs for service
2. Start stop button n dashcam started having problems... Of course replaced under warranty but u have to go through wait times again... Once to report, another time during replacement...looking at the popularity of perodua, maybe qc going down?
3. Started to feel vibration from the 3 pot after 15-16 months.. Will it get worse?
4.Have they settled the windscreen? .. Nightmare to drive behind lorries especially on the Elite... Worried if stone will smash my windscreen...

My Mg4 costs 7-8sen per km vs 16sen for Ativa... Service every 12 months or 24k km, minimal charges, Ativa every 6 months, 10k km..
Range anxiety? Maybe if you make 400km trips very often... I do day trips melaka kl 2-3x per month.... Charge full the night before in my house... Stop at Petronas rnr seremban on the way back, topup 28% to 50% in 10 mins, cost me RM15.... Reach home still got 27%.... Less tired compared to in the Ativa, even wife says so... It's a C segment vs A segment Ativa
Used to drive1800-2000 km per month in Ativa, now 2300-2500km...always finding excuse to drive..
ACC on highway miles better because of the instant torque and will continue even after u come to complete stop.. Ativa ACC disengages below 50kmh...
Instant torque just makes it easier getting out of junctions so perfect around town..
OPD... Nah this one you just have to try.. Easier on the ankles and prolongs your brake pad life.. Don't think I'll ever go back to a car without this..
Many others too...
Of course I miss
1. the higher seating position making getting in and out of the car easier
2. No BSM, front sensors and reverse cam... My Mg4 std don't have but the lux has it

Maybe can wait for Proton EV also..

Anyway, this is my experience... Put aside what you heard from all the Experts about EVs and go talk to real owners... Go for a real test drive 
then make your decision.. It will be eye opening..

MG4 over 100K? Thats an additional 30K budget over Ativa AV or over 40% increase. Plenty of other options in that price bracket.

Any idea if P1 or P2 EVs be priced below 100K?
Thinking of getting a small EV with 500km range on the newer LFP batteries used by models like Dolphin. Preferbly with 8 yr battery warranty.

main problem nowadays... want small cannot have range... want range cannot be small...

no doubt p1 n p2 will be competitive...

Here's some SUVs that are EV below between 100-200K

Model	Price (K)
Neta X400	120
Aion Y+	120-136
MG ZX	127
Omoda E5	147
Atto3	150
Leapmotor C10	159
Xpeng G6	165-185
Smart #1	169
Smart #3	175
EX30	189
MX-30	199
Model Y	199

yeah... problem currently there is no small enough ev suv imho... ppl wants it big bc of perceived value and functionality and range...

i want something like the byd seagull... ativa size ev would be nice...

Just chip in... I visited the Byd M6 launch event. The sales told me Atto 3 is running at 130k at present. 2023 Dolphin is 90 ~ 114, only white units left though. Seal dynamic is 150k.

I do agree with you that without a home charger, EV is not really practical.

2026, RM70-90K?
Hopefully with > 50kWh battery by then.

Altiva is a okay car but it vibrate more compare to x50. Both 3 pot engine but x50 is certainly more refine.

Nexis will only launch at lest 1 year from now if that ever happen.

Hi TS,

Even though u can't charge at your condo you can still charge outside and use that opportunity to spend the time wife your wife. There's a lot of place/mall to hang out while waiting for the car to be charged.

I myself planning to retire early and already decided to buy 2 door coupe for me and my wife. Already used high seating position car (MPV) for more than 10 years so feel kinda boring. Guess human will never be satisfied lol.

Nexus or Yaris Cross still a decent Car,
In my opinion, just wait for Perodua Malaysia to be launch soon from now ....