2. 3 then go for ETF. 4 Some one already point you to the direction. You just need to read though one by one.
Yes it's doable. You are talking to the guy for manage to have 5-6 months pay in fully passive income every year and will increase to 1y eventually. Once I hit 2y of fully passive pay, I am walking away from working.

I will you don't waste time and money with foreign FD. Why? Banks force you to convert at banks rate which means out of the gate you lose 3% already. Then forex is volatile. When you want to get your money out, you need to convert back to RM, another 3% loss.

Of course my semi passive income already exceed my 2y pay. But to get to where I am you need to do homework and don't do things conventionally. I am using my semi passive income to build up my fully passive income.

Then you get diluted lo. Simple as that. Means you received lower payment if you do not continue putting in money.

Why? Very simple. They pay you 90% of what they earn. Where to find money to buy new property and where to find money to pay off the debts that are due? So they turn to you as ATM machine.

That's is one of the reason I never hold any reits anymore. There are other reasons also.

This post has been edited by Ramjade: Oct 17 2025, 11:05 PM

Diluted, meaning something like share split?

No. Share split is not diluted. 🤦
1 pizza divided by 5 slices or 10 slices is still 1 pizza.
What this is instead of 5 slices you only get 4 slices cause you refuse to give company your money. To continue getting the 5 slices of pizza you need to cough out money.

This is usually applicable for Singapore reits. Not sure if Malaysian reits also like that.

This post has been edited by Ramjade: Oct 17 2025, 11:09 PM

Not well versed in REIT? Some time ago bukan ke you sembang you invest in MBB, in SG or something no? Or you blow water or spice things up again?

is there any guide to buy ETF? This is something new to me and i am surprised the return is so much?

Keep in mind the traditional ETF will never give you sufficient income. You need to sell your assets to generate income. You have been living under a rock or ignorant that there better tools for investing vs what we have in Malaysia. Glad now you know.

S&P 500 etf generally give 8-9%p.a on average.
QQQ etf give around 10-12% p.a on average.
But both of them have been giving more around 15-20%p.a when times are good (I will say for 10 years+ excluding covid and 2022 drop)
That is why I don't bother with FDs or EPF. More me my money must work as efficiently as possible. Locking up my money inside EPF is not an efficient use of my money.

How guide is also in the finance section.

Expensive way
1. Open FSM MY https://www.fsmone.com.my/ and convert your currency to USD or GBP and buy Ireland based ETF.

Cheapest long term route (I am using)
1. Open CIMB MY if you don't have ONE. A free basic savings account will do. No need anything fancy
2. Open a CIMB SG account online. Select CIMB Fastsaver
3. Deposit the first SGD1k using CIMB MY account. Very important it must be from own CIMB MY account.
4. Open Sunway Money https://sunwaymoney.com/
5.Once you have CIMB SG and Sunway Money opened, then only you opened Interactive Broker (IBKR)
https://www.interactivebrokers.com/
6. To fund your IBKR use Sunway money to transfer RM to SGD and deposit it into your CIMB SG account. Do not use any Malaysian bank to transfer your RM.
7. Then use the CIMB SG to send SGD into IBKR using Fast transfer (SG version of Duitnow). It's instant. You will be given a virtual bank account number that is unique to you via IBKR.
8. Convert the SGD into GBP or USD

Now come 2 options
9a) if you are not going to do options like me and want to save on the dividend tax (from 30% to 15%) stick with Ireland based ETF that can buy from London Stock Exchange (LSE) that you can buy inisde IBKR.

9b If you want to do options to get some semi passive income go for US based ETF. You will not save the 15% tax on dividends but any options income you earn will offset the dividend tax by miles and miles.

10. Rinse and repeat step 6-9a or 9b

This post has been edited by Ramjade: Oct 18 2025, 10:51 AM

i owned a condo, currently tenanted. The condo was fully paid up so i do not need to pay any installment now.

montly income is rm1800 - 300 mgmt fees = rm1500 net

I rented out my unit as fully furnish, i tell you so many problems your tenant will occasionally call u if this spoilt that spoilt, then water leaking and damaged the wardrobe and bed frame have to buy new wardrobe and bed frame

Unless u think that property value will bomb like SG or HK, it is 100% not worth to invest in condo. If you want to invest you may buy shoplot better roi and easier to rent. Buying condo with loan from banks 30 years fully pay off with interest is about doubling the value from your purchase, if today u buy 400k u need to expect to sell your property at 800k to break even. Not including lawyer fees + stamp duty.

Also look around, every year also pop up few new condos, if your condo20 years old people also wont want to rent your place they rather pay few hundred more to stay in newer condo.

Also dont forget about tenant running away with your furniture / damage your property and stop paying rent

.
Note that ETF investments are like stocks/shares and mutual funds/unit trusts whose prices can be manipulated or fixed by "gangsters" = can be high risk. If the present "being goreng" Stock Market crashes like during the 1929 Great Depression, it will take > a decade or two to recover back.

Eg Microsoft share price has likely been goreng to around US$500 today. If it is crashed to US$50 (= 90% loss for investors or shareholders) by Manipulators in a widespread Stock Market Crash, it may take a very long time for the investors to recover their 90% loss. Similarly for ETF investors. .......


.
https://www.economicsuncovered.com/p/the-gr...auses-parallels - The Great Depression: timeline, causes and parallels to today
A stock market crash, waves of bank failures, a declining M2 money supply & massive deflation - all are hallmarks of the Great Depression. Some of these same hallmarks have reappeared today.
STEVEN ANASTASIOU
JUN 23, 2023
.

This post has been edited by lurkingaround: Oct 18 2025, 02:48 PM

US market not easy to manipulate some more blue chip like Microsoft. Cause too big and expensive.

False, remember JJPTR? That guy is literally everywhere on the Media during his peak

You need all period

If got momey do property investment, get a reliable property agent to manage it

ths for sharing

Hello could you explain what “0.5-1%pma” means please?
Googled but didn’t find results relevant to this context.

Crypto is also a good choice of investment if you know what coins to buy & hodl. Easily double digits profits if hodl

My dividend yield are in the range of 0.5-1%p.a and growing automatically without me needing to buy new shares at minimum 15 -30%p.a


There are exceptions as I do have some 5%p.a stock but majority of my stocks are yielding 0.5-1%p.a

This post has been edited by Ramjade: Oct 21 2025, 08:42 AM

Crypto is very volatile and of cos cannot be greedy. I see Bitcoin, XRP, Solano .. like a see-saw ..

Ramjade shared a good information but i am likely to put in FCFD for timebeing, with interest of 3.99% as well as buying local bank shares, which gives a good % dividend.

Er you don't want to to that. Have you factor in the 3% loss upon putting the FD and another 3% loss when you withdraw the FD?

Property investment in Malaysia is somewhat profitable if you know what you’re getting into. It is also helped by the leverage you get of using the bank’s money. Contrary to popular belief, being a landlord requires work. No such thing as just every month get rental. If you can handle that, then by all means, go for it.

For investing in publicly traded stocks, leverage is not as safe as real estate due to the volatility and cost. However, if you can truly understand the business and have strong conviction, it can easily 10x or even 100x your investment. It is also very liquid. For those who aren’t able to understand businesses, going for ETFs that reflect an index or sector is the next best thing.

For FDs, it’s the least risky product but not recommended if you’re looking for growth. It can’t beat inflation.

In conclusion, there’s no one size fits all. Understand your needs, your abilities and risk appetite. Remember the rule, there’s no free lunch in the world. High returns always comes with high risk. When you hear the news so and so makes it so easy, remember that there are 99 more that failed. They didn’t tell you only.

Thanks .. Ramjade also advice to buy ETF as this would give a good returns. Understand investing in property would be good if one know what to look for except that i cannot understand the ROI, rental of rm1500 .. take how long to get back if the property is 600k ..

Ramjade .. what do you mean “ factor in the 3% loss upon putting the FD and another 3% loss when you withdraw the FD” .. sorry, newbie in getting this amount of money ..hahaha