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

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.

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

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

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

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

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

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

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?

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.

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.

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