Happy Sunday People,

Been thinking on what can the best best way to generate passive income in 2025.

Please do share some thoughts & your knowledge with me, what does the market offer now that is worth looking into.

Thanks all!

FD

FD 3.85% no risk

EPF > 5pct capital guaranteed... 1.3mil can take out extra for use...

Passive income with:
Zero risk: FD
Small risk: Blue chip investment
Moderate risk: business
High risk: share market, crypto, currency exchange

Pick your poison.

Bitcoin. But must very alert when price up or down or bear or bull or big rally or time to buy & time to sell.

10 properties.

What business is passive income and moderate risk??

FD 6months /1 years.

Setup cheese banjir leleh air balang stalls manning by banglas

That is not passive

Without loan then ok

If you willing to take risk, can deposit usdt on nexo exchange and earn interest at least 12% APY.

if you never ever need to touch the money sitting in FD for next 20/30 years, then consider either to throw them into EPF or just buy the major banks in Malaysia like Maybank or cimb or public....

not a investment advice, but sharing alternatives...

I still won’t call it passive income lol unless really 100% let them run the show and account but I won’t recommend that lol

How about money that won't touch usually unless needed. What's the best alternatives? Prefer passive where by worryless. Affin Hwang not bad, prefer responsible agent.

Go study ETF and invest, no need pay 5-6% agent fee.
Otherwise park annually 100k into EPF, sleep also no need worry market up or down.

all in EPF. low risk.

This post has been edited by soulz69: Jan 5 2025, 09:44 PM

If you want to diversify, you can always buy some stocks and sit on it for their yearly dividends.

Top glove is nuts

https://www.dividends.sg/view/BVA

For you to get passive income that is significant enough to sustain yourself, you need to seek for the initial capital that is big enough first. So the real problem is how to earn that initial capital

Invest in cryto is like another job if you need to keep monitoring the fluctuations. Not feeling like passive income anymore

Cos u did it the wrong way .

fd
piece of mind

put into EPF safest. if don't mind sweating a bit, then buka food stall tepi jalan and sell. tax free.

FD - EPF - crypto earn/stake

EPF, ASM, blue chip shares

What is the correct way to invest in crypto?

AlWarda, if you have an Android phone and/ or a desktop/ laptop, you could check my signature on installing some passive income apps for a modest yet sustainable beermoney.

Already earned over $100 without doing anything, can already drink some nice kopi

For investments, diversify into crypto (avoid most if not all shitcoins), dividend paying stocks/ ETF and EPF for long term.

This post has been edited by UserU: Jan 6 2025, 11:41 AM

All the international exchange have this function , most ppl just ignore it . I also recently just realised how stupid I am by not using it .

Running a business is arguably high risk, but I feel still less than trading volatile stocks.
Because it is something you can still manage some of the risk.
So.. that's just the reason I categorise it that way.

What function?

Put rm1 mil in fd can get rm3k a month easy money

Interesting. Do you run this website?

Dividend growth investing and selling put options or call options. Never withdrawal the money earned. Reinvest it. Then let the company do heavy lifting by automatically increase payout for you on a yearly basis.

FD is not passive income. You cannot outrun inflation with FD.


You forget EPF.

This post has been edited by Ramjade: Jan 6 2025, 04:22 PM

Yup! Hosted for many years already.

Always thought of having one to share it with those of similar interests.

This post has been edited by UserU: Jan 6 2025, 04:58 PM

Not sure where or what definition you subscribe to that says passive income must outrun inflation, but ok

Nice

Get bond instead of FD , it's interest beat inflation rate and it's TAX FREE

Yup, dividend + options are the best.

If it is risk-free, sure

Get govt bond instead of corporate bond

Great. Then I have question to ask.
Those apps promoted on the website, how actually they can give out free money? I mean, there must be catch right? Apart from Honeygain which I know will share our internet connection

This post has been edited by YoungMan: Jan 6 2025, 08:41 PM

Mainly via ads and branding sponsorships. They're free to use but when claiming rewards or navigating the apps, there are ads injected or loaded for you to watch.

So those app developers earn from ad revenue, and pay a portion of that to users (i.e. us) to remain sustainable.

This post has been edited by UserU: Jan 6 2025, 09:49 PM

Careful of bond.. many kena credit suisse bond and become junk paper..

This ain't Kopitiam.
It's not a rocket science. Everyone knows. But why FD is too low.

Why not Saham Amanah?

Anyhow, the real question is, how to attain 1 million in the first place?

Work and invest your way there. Can be done.

The attainability with majority of Malaysian is not there. With low monthly salary, unless you 20K level bole la sembang Kari.

Then can be done.

/End

Well... I think FD kinda covers that

Recurring from bond, dividend stock, epf, rental, time deposits, asm, pl paku

This post has been edited by jojolicia: Jan 7 2025, 11:07 AM

Correct me if I'm wrong, this should be something similar to Ad-sense but it is applied to the apps instead of website, right?

Not true. Assuming you have RM5k salary. You put just RM2k into EPF every month (excluding amount from employer and decisions), for 30 years at 5%p.a you will have RM1.5m even if you start with 0 amount inside KWSP.

Even with RM1500, you will also make it there.

https://www.investor.gov/financial-tools-ca...rest-calculator

Play around with the numbers and you will see that I am right.

This post has been edited by Ramjade: Jan 7 2025, 06:38 PM

1. Amanah Saham Bumiputera (max out 300,000 units)
2. Amanah Saham Bumiputera 2 (max out 300,000 units)

Correct. The ones you see on Play Store or App Store usually stick with AdSense/ Apple since they are part of the ecosystem but some that are not might opt for another ad network.

This post has been edited by UserU: Jan 7 2025, 01:49 PM

personally im using:

Dividend stocks like banks
Crypto (super high risk)
EPF
Property rental

it gives a few thousand a month as passive while the rest comes from main job

Park your funds in REITs when they are not in use. Once you get the dividend, reinvest and maintain discipline. Compounding effect and should able to taste it in 5 years time

FD - 3.5-3.7% (Promotion rate)
REIT and bank stock - 5-7%
EPF - 5-6%
Stock market - 10-20% per year

FD and EPF no need to do homework, REIT, bank stock and stock market u need to spend time to understand the market, isn't easy but over the years u will learn a lot from it.

I did not mention i did it😅 I was replying to the previous post

But anywhere cryto cannot be considered as passive income as the capital gains is unknown and with no dividend

U macam don't know jack about crypto . I met this one guy who bought BnB at 0.X , BnB staking reward sucks less then 1% he also don't need work rest of his life dy . My sol staking also yield around 5 USD every 3 day .

Invest low cost flat and rent away by rooms

Your income qualify?