Guys -
I was watching TikTok video about this Dato Vince explaining how to make passive income..
The way he describe, you can buy a house and then sub it out for rental and then use the money to buy another house again ..

So if you have $$ .. should you invest in property or put in reliable stocks like PB or CIMB?

Your thoughts .. i will be receiving $$$ from US stock trading so dunno which should be good option as inflation will take place and amount in FD will become smaller in the future.

I am not expert in stocks or even crypto .. so afraid will lose instead.

Buying property is all about location, location & location
Don't blindly buy.

if dont have any skill or knowledge on stock , just buy VOO , DCA it when you got money. Buy and forget.

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You liquidated your US stocks likely because you expected a Stock Crash coming soon - which usually comes once every decade or two, eg last US Stock Crash in 2008.

AFAIK, it's not wise to invest your money in property bc property prices in Malaysia have already peaked and is at market saturation (= prices unlikely to rise much further, eg no more 100% rise in 2-3 years time like in the mid-1990s), ... and bc property is an illiquid asset, eg cannot be immediately converted to cash for emergencies or urgencies.

So, better to invest in safer FD in major banks that give PIDM insurance of up to RM250k per bank account.
....... To account for inflation, use part of the annual interest income to topup your FD, eg if FD annual interest income is 3%, use 1.5% for the topup.
.

Note that any trades in the market, eg stocks, cryptos, commodities, etc, can be manipulated by "gangsters" or co-conspirators, eg the Freemasons, Rotary Clubs, cartels, etc.
.

just like stock. buying property for "investment" you also need to know what you are looking for. capital appreciation or passive income?

Buying property, but the location must be good plus so many aspect to see before buying

Yeah . .looking for passive income.
What doesnt make sense to me is the ..spending RM400K, but rental is merely 2K/month .. take how long to get back the ROI, except the property is mine and hopefully appreciate in the future to offset the inflation.

buy property sounds like good investment. but not anymore nowdays.
especially if you need bank loan, not worth it.

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Passive income from property rental can be a BIG headache = stress, eg tenants from hell, property repairs, etc.
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I’m in a similar situation. Still undecided whether to invest in a commercial property (with a 25 year bank loan) or continue with fixed deposits, ASMs, and stock investments.

I found a commercial property project priced at RM1.8M (nett), with surrounding projects fetching rentals of around RM8K± per month.

Appreciate your thoughts or advice on this.

who is Dato Vince? Lol... sorry my ignorant.

what type of investment you want- risky with high return?
or safe with low return....

Property... doubt it is worth it to invest anymore. Rental can never cover installment, unless you are lucky. Even best case when if break even.

then need to top up maintenance fee
cukai tanah chukai pintu.
some maintenance.

then when tenant exit- then need to find new tenant, might lost 1-2 month of idle time ( or worse 5-6 month)
and also 1 month commission to agent....

yes- tenant help u pay installment... that is a long game la, 20 years?
after 20 years.. condo wear and tear, not sure how much more your unit will be worth. Especially now a days so many other condo being built.

Perhaps shoplot a safer bet. that also depends a lot to luck.
One row might be prosper with a lot of foot traffic, while your row could be turn into car workshop that stop others to come.

Actually now is good to start accumulate cash. If you have loan it is better option to.reduce now.

if u dun want headache of dealing with people. just research and find stocks with good dividend. of course not 100% in 1 stock or even 100% on stocks. just diversify it a bit to mitigate the risk.

Buy stocks. Hodl. Keep buying. Use the dividends to keep buying. Come back after 10-15 years.
Have a list of filter. Everyone got their own filter.
Some ok with say dividend yield of 5%p.a and growing at 3%p.a,
I choose like 0.5-1%pma and they will automatically grow at 15-30%p.a and combine with options income. No company will give you 15-30% raise everywhere year.

Don't bother with house. Taxes, repair cost, troublesome tenants.

This post has been edited by Ramjade: Oct 14 2025, 07:04 PM

if 2k/mth nett after expenses = 24k pa from 400k = 6% yield pa

investment property for cashflow use leverage from homeloan , no need buy cash

400k borrow 90% , u only put 10% down , 40k outlay get 24k pa return nett interest = 60% pa gross return on capital

now do this on multiple properties = cashflow cash cow $$$ , but make sure properties you buy, value go up not down

also property need time/effort to manage or hire/pay a manager . NFA DYOR.

max_cavalera expert on rent-vesting , rent out 2 properties , sendiri live on renting , drive tesla

This post has been edited by phunkydude: Oct 14 2025, 08:42 PM

8k rental for RM1.8 mil property not worth if take bank loan
If RM800k property no brainer

All in crypto la. YOLO

Dato Vincent Nee ... property investor .. google and see ..
He did podcast in one of local stations and he explained his students makes money from rental .. even said one of his students has 200K per month passive income.

No balls to play crypto lah ..

Yes, thinking to buy stocks that has good dividend payouts .. Public Bank, CIMB .. any other suggestion from stocks gurus?

I have the same thinking on property .. nowadays, it is hard to get back ROI and plus shitty tenants. I have friend who suggested buy a property and turn to Air BNB wor ..
Sounds interesting but it is like rental too so if unlucky, shitty customer .. koyak but chances are lower compared to long term tenants.

I am more of conservative person so i wouldnt dare to roll hard .. i know inflation will sure affect the % FD so best option is long term stocks.

I don’t understand what you write there. Is there a conflict what you write?

sorry for the confusion .. mine is the company given stocks amd they will sell when it reaches a dateline set by them.

The idea here is to leverage on bank's money, you only need to spend rm40k (10% downpayment) and with the rental income you'll own the rm400k house in 30 years.

So if you really have rm400k you can invest in 10 properties and turn that into rm4 million in the future.

You can probably get the same or even more returns investing in stocks but the risk and the chance of screwing up is much higher - panic selling, greedy trading, buy sell buy sell then losing it all.

bank stocks is the best

you need to do more homework bro.

This post has been edited by JimbeamofNRT: Oct 15 2025, 04:44 AM

this is true

this?

how old are you anyway , easily swayed by this kind of ad?

No la.. Just kidding about crypto. It's very high risk but high reward. Take the recent liquidation of crypto for example. Some please lost everything.

If you want good investment, I think FD is safest but the rate is like 3.6 to 4.0% per year which might not be good enough. Search for blue chips stock like Maybank that gives 6% dividend (historically) but there is a chance of price swing within 10-15%. It should able to recover back during good time so if you're not in a hurry to use the cash, it's only paper loss until you sell the stocks. Other option is self investment in KWSP but do check if you're able to withdraw that amount in case of emergency.

try buy 1 below bank value... 30-50%
below 200-300k... else get into REIT for dividend, but need to choose properly.

I dunnoe who this guy is and i'm not saying this guy is scammer, but that's many so call guru property out there are taking advantage from their student which u need to be aware.
They persuade their student to buy multiple houses, and this guru will help them in getting all the loan and provide renovation + agent service for house renting, and all this renovation and agent service company belongs to this guru, this guru earn every single penny in the entire process.
Guru earned big buck, but no guarantee your house can be rent, or your rent can cover your loan. Many ppl lose money due to this, and if u pay attention to the news, that's suicidal case related to this also . After they earned their share, they wont care about u anymore.

Ok, Guru topic aside, i never consider property a good investment (Exclude lucky cases where property value increase a lot due to development) unless u have a lot of cash and need to diversify your portfolio and manage risk. For example, my parent house, bought abt 35 years back, 90k, and renovation, maybe let say 10k+? So it's about 100k. The house are currently worth about 400-450k, seems like we got a x4-4.5 return from this house, but in fact it's not, most ppl forgot to include the compound interest. When interest are include, you are likely paying additional 70-90% on top of the original price, so it's end up a x2-2.5 return in the span of 30-35 years, which is not impressing at all.

If you loan and buy the house, it can only consider a good investment IF you are able to rent it and the rent can cover your loan until you pay off, which is rare

This post has been edited by ragk: Oct 15 2025, 01:11 PM

You should go deep learn into the stock market given this oppurtunity, the company given some share to you.

The best option is still to invest in good quality stock.

I won't touch property at all unless own stay.

This post has been edited by ozak: Oct 15 2025, 11:51 AM

Buy Property or Good Stocks or FD Interest

Fixed: Buy REIT, SP500, and FD

GL

So u see the shortfall after all.

Worse case u got the crypto mining tenant that steal tnb power

I calculated, need to spend around 150k for downpayment + under construction interest + MOT. Monthly rental should able to cover bank installment (or top up around 1k monthly).

My plan is to hold around 5 years then can cash out for my kids education.

Appreciate if you can share why you think 8k is not worth to invest?

Because the yield is low. That's all
Some more you need to top up every month
To cash out within 5 years, are you confident the commercial property can hold the value or appreciate? If taking bank loan, you are paying interest only the first few years

Thank you for everyone's feedback .. the information sharing is very good to me ..

BTW, i am not swayed from this ad or this guy but if he dares to go live podcast with local FM, i am sure he would have reputable background.

I believed splitting to bank stocks and FDI would be safe bet ..
Of cos, i am trying to learn how to trade .. using Moo Moo ..

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Rent'vesting takes >20 years to mature or ROI. So far, he "belum kena, belum tahu", eg belum kena tenants from hell. Kena sekali, menangis oh.

Same lah if his Tesla kena fire while charging overnight at home = Tesla+home destroyed.

"Belum kena, belum tahu."

So, is rent'vesting high or low risk.?
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u can do the simply math urself, under the macro of massive supply of high rise n declining birth rate plus tons of rumah madani/samm/selangorku/etc, u think ur new entrance into property rental income game still can be played?

the answer is obvious

This is dangerous. Don't learn to trade before you learn how to invest.

Trade is a gambling. Not invest.

Invest and hold long is the most profitable and safest.

i do argee that property is not right choice .. so considering bank stocks for good dividend return.
not familiar with REIT or which one to invest .. any good ones .. thanks

thank you for your advice ..i m not put the everything, just a small amount to try out.

Ask yourself reit pays you 90% of what they earn. Usually they will be asking asking some eveye few years. Do you want to be an ATM or do you want someone to become your ATM. Behind every stock is a business. See if you can understand the business and if you like it. If you are lazy, just buy ETF. No harm in buying ETF.

ETF .. does it give good dividends?

Nope. You have to sell off your asset to generate money. Unless you have like USD5m in it.

But the amount sold should be able to sustain you until you die depend
1. How much you have inside it
2. When you started selling
3. How much are you selling
4. How is the market doing
5. How long you have been invested. ETF need like 20-30years to see the effect.

Asian cannot get use to the idea need to sell things to generate income while this is the norm in western worldif you put into FD you are losing money to inflation.

This post has been edited by Ramjade: Oct 16 2025, 03:08 PM

general rule:

high risk high profit, low risk low profit, no risk no profit.

if an investment has guaranteed profit, then it is guarantee lose money or guarantee scam.

example, FD guarantee 3.5% interest, but with inflation, is guarantee lose money.

for non-resident alien, dividends from US stocks will be taxed 30% by the USA

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Not necessarily true.
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Malaysia's inflation rate for Aug 2025 is about 1.5%. So, if we put FD at 3.5% interest for 1 year, we should topup the principal by about 1.5% at maturity to account for yearly inflation = treat FD interest income as 2.0% only, ie not 3.5%.

Eg RM100,000 in FD at 3.5% interest for 1 year. At the 1 year maturity, we get RM3,500 in interest income. From this RM3,500 amount, we should topup the renewed FD principal by RM1,500 = RM101,500, and use the remaining RM2,000 as passive income.
....... Bc our FD principal increases yearly by 1.5% of topups, our passive income will also increase yearly by 1.5% = guarantee no lose money to inflation.

If can, put our money in EPF to get higher yearly dividends/interests of >5% bc EPF is government-guaranteed = quite low risk.
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inflation is 1.5% in one month. that is at least 15% per year

It still gives a bloody good div after tax.

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No la. For 2024, Malaysia's inflation rate is 1.8%. .......

https://www.google.com/search?q=what+is+mal...sclient=gws-wiz
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All in BTC during crash (Weekly RSI 30-35). HODL one cycle can easily hit 500% gains.

Even those who bought during last cycle's top (50-60K) and didn't sell is also up 100%.

BTC's market cap is still relatively small compared to GOLD. Gold is basically adding BTC's entire market cap every 2 weeks.

This post has been edited by Juggerballz: Oct 16 2025, 04:46 PM

I assume this is not ready then, shud be brand new units still under construction

most ppl have this mindset rental cover installment, frankly if your rental pays for your interest , good enough, anything else is a bonus, rest monthly top up take it as saving
5 years later when you sell it, the saving goes back to you as well

I have just recently purchase something about that pricing incl MOT and misc, rental is about 6k plus for now
as mine is subsale, the total upfront is 2.5x of yours
personally commercial has better chances as compare to residential/condo, just that the starting price much harder for most

hopefully by the time its CCC, your rental may go upwards or stagnant
If the value of property yield is higher than rental, then sell it, if not just collect rental as normal

This post has been edited by rx330: Oct 16 2025, 04:53 PM

Thanks for your sharing.

Yes, the one I aiming is an under construction double storey shoplots.

The unit is fronting main road with high traffic, hence the price is higher.

Mind to share how your experience managing the tenants and unit maintenance?

--

This post has been edited by alexei: Oct 17 2025, 01:03 PM

All he said is purely marketing talk lah, lure u to join his class, after that teach u all the method which available online, sell u certain property which he has kickback, then renovation use his own company.

And u go and check www.istiadat.gov.my/, his datoship name is not in there, meaning he is using fake title. This type of guru better stay far far away lah.

How to create RM200k passive income nowadays? 3rd property already cap at 70% max loan. Unless you are cash rich and able to place 30% downpayment and create the so called "200k passive income"

1- Debt-free (Now still paying a house loan) and simple lifestyle, which i am not into branded stuff. Priority would be the kids future.
2- Low as i do not time to monitor.
3- Low stress so i dont want to think "shit .. why lose so much suddenly" ..
4- What or where can i read "FIRE" ..

Yes, i heard of it .. think it is called FCFD .. rate is higher than local rates except loss would be currency changes.

With regards to the Dato .. thanks .. i am just sharing and asking if it is doable or not.
I am not property expert so just asking opinions so the value would not depreciate due to inflation.

Yes, considering putting in EPF but downside is cannot take out until 55 .. then wont be able to use it ..

https://forum.lowyat.net/topic/5203278

Im not too sure which state you are in, but double storey shoplots cant be sold to foreigner, so you will lose a small % of prospective buyer in future.

but the benefit, its easier to rent out both ground and 1st, those 2nd n 3rd storey is a pain in the ass to rent, end up become hostel, also nightmare with the cleanliness
im not sure whats the trend at your side, but recently new shops, landlord will force tenant to take up the whole building, either you use it or you sublet, your pasal

nowadays developer also pandai, better access, better exposure units, they sell it higher, unless those days where 1st come 1st serve basis, all unit same price unless different built up

normally main road tenants bigger brands who are able to pay more rental for exposure

if compare to residential, should be much easier, just do your due diligence what biz they are doing, if extensive renovation needed, ask for more renovation deposit, after that technically own self settle sendiri unlike residential where aircon rosak, pipe rosak, toilet stuck
for commercial they do ownself aje

since yours is not a factory, the insurance premium should quite standard

as per all landlord, also depend on luck your type of tenant, you get a good one, good paymaster, then just keep it as it is, no need to hike too much on next tenancy agreement

+1.
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Also, why would a person who supposedly got very rich by knowing where to find a hidden treasure box, tell or teach others about it but charge them a hefty fee.? IOW, will the person get very rich by actually finding the hidden treasure or by charging gullible/greedy people the hefty fee.?
....... The latter way can be 500 gullible/greedy people X RM3,000 course fees = RM1.5 million, eg 10 classes of 50 people per class over 1 year. (RM500k as operating costs = profit RM1 million)
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This post has been edited by lurkingaround: Oct 17 2025, 04:11 PM

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If you later become very rich, will you run teaching courses like Vincent Nee.? .......

.

nope, cant be bothered

but we are always sharing within circle of friends info, wisdom and experience, so hopefully none will need to go thru any bad deals

IF they asking some money every few years, what will happened if i refuse to pay? I am not well verse in REIT. Why they ask money every few years?

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

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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

This is assuming you are using RM. When you place foreign FD banks will convert your RM into the foreign currency that you want. The conversion will give the bank free 3% in Forex spread.

Then when you convert the currency back you lose another 3% in Forex spread.

the simplest calculation of gross roi
rental income, 1500 x 12 = 18000/60000 x 100 = 3%
any capital gain in future when you sell it, its bonus
but the 3% very gross, still got other expenses such as quit rent, assessment, maintenance n also insurance, interest aside lagi

Ts, one advice to add. Never ever trust mainstream media both local/international when they give lots of coverage to some entrepreneur, guru, etc.

At best, the media just interview give coverage mainly to get views & never do any proper research whether the so called guru is actually profitable or their business is legit.

At worst, the interviews are nothing more than paid adverts . Like other ktards said. Real entrepreneur will not be teaching others how to get rich quick unless u the customer are their source of.income.

Google Sam bankman, tai Lopez, thanatos, etc & u realize that before they were exposed. There were actually a lot of big red flags,.it's just that they use their money/connections to silenced any naysayers & mainstream media are also complicit.

If u want to invest into whether is currently the hottest company as touted by the media. Do.your own research first & never listen to the so called financial experts on mainstream media who recommend it.

This post has been edited by arkasi: Oct 23 2025, 01:59 PM

Hi.
I'm just looking at starting an account with IBKR.

Can kindly elaborate why
6. Do not use any Malaysian bank to transfer your RM. ?


Thank you

nice to bring back the thread again..
moral of the story is buy ETF...

Because you only lose around 0.5% if you go the long route while you lose min 3% to banks if you use their service.

Won't the spread from MYR - SGD - USD be more or less the same with just the MYR - USD conversion?

Nope. Because the loss will only be at RM to SGD. After the money is in SGD in SG, you use local transfer SGD into IBKR. Think of it if you use Duitkow, any losses? No right. Same now. IBKR offer you real time market rates to convert your money for only USD2. Hence no markup, no additional fees apart from USD2.

If you want to save more money, you can manually select the exchange rate you want inside IBKR to change money and wait for it hit Vs using market rates. So far I have always use this approach of set and wait to get more foreign currency Vs convert once I have SGD inside my IBKR.

This post has been edited by Ramjade: Oct 24 2025, 11:43 AM