Buy Property or Good Stocks or FD Interest
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 Oct 16 2025, 02:48 PM
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#1
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Junior Member
739 posts Joined: Sep 2020  
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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. |
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Oct 16 2025, 02:49 PM
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#2
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Junior Member
739 posts Joined: Sep 2020
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QUOTE(KronenZerg @ Oct 16 2025, 01:45 PM) ETF .. does it give good dividends? for non-resident alien, dividends from US stocks will be taxed 30% by the USA |
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Oct 16 2025, 04:03 PM
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#3
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Junior Member
739 posts Joined: Sep 2020
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QUOTE(lurkingaround @ Oct 16 2025, 03:47 PM) . inflation is 1.5% in one month. that is at least 15% per yearNot necessarily true. . 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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