Hi guys,

I have RM 340K in SPYM now, wanna move all my portfolio into VWRA.

There is a speculation of a bubble and overvaluation stocks. Since price is still pretty high now and I am making profit, do you think I should sell all my SPYM and dump into VWRA immediately? Or keep my 340k in a lower risk portfolio like ASB, wait for the crash, then into VWRA?

I am a newbie in this please teach senseis

Has anyone ever compared SSPN Plus vs EPF i-Lindung? Any thoughts on which is better?

From what I have found so far:

• Both are insured by usual insurance companies, but gov has negotiated for slightly better deals.
• i-Lindung payout upon hospitalization not receipt
• SSPN Plus premiums stay the same, i-Lindung goes up with age

Me and some of my friends (mid-20s) had this conversation during our lepak session. We’re planning to go on holiday to Langkawi and were thinking of splurging a little on a chartered yacht. Some were against it, saying it’s a waste of money, while others were like, “When tf are we ever going to spend the money we’ve been saving?”

So here’s my question for everyone: where do you draw the line?

I’ve seen many people here say that they live frugally until they reach a certain milestone (e.g. their first RM100k), but once they hit it, the goalpost moves to RM1m, then RM5m, and so on. At some point, does life just become a race to reach the next financial milestone?
What’s the point of building wealth if you never allow yourself to enjoy it? On the other hand, how do you balance enjoying your money now without sabotaging your long-term financial goals?

Curious to hear how you guys approach this. At what point do you think it’s okay to say, “I’ve saved enough, I can afford to enjoy some of this money”?

When did you start to care less about money and more about the simpler things in life (health, friends, 8 hours of sleep, peaceful weekends)?

Was it after having accumulated a certain amount of money, or perhaps after losing a family member that you wish you had spent more time with, or just growing older and feeling like you haven’t been living your life? Whatever that moment is, feel free to share yours.

I’m at almost RM300k and it feels like I’m more fixated on money than ever before. I am in my mid20s and aspire to retire early (projected before age 38). But I don’t know if it’s worth “sacrificing” the prime years of my life by just working and saving money :(

Hi Malaysians, I enjoy brainstorming building something that adds value to society. I dont mind doing it for free. Please DM me if you have ANY repetitive stuff that you want to work on, any automation / recording / Siri / traffic / education/ anything. I will NOT CHARGE anything, if I do, please double check my username make sure its exactly the same to avoid scammers.

Reason for doing this: I want to learn, grow, improve society.

Hi all,

Looking for advice from anyone with a Maybank conventional home loan. My objective here is to pay off my loan as soon as possible, which i am currently exploring to make an extra payment a year, to hope to clear of my loan faster than usual timeline of 35 years.

I have a few questions:

1. For Maybank conventional housing loans, if I make extra payments through the app, does it automatically reduce principal? Or does it simply go into "Payment in Advance" and get used for future instalments? Currently the amount is parked under payment in advance.
2. Do I need to visit a branch or submit a request to specifically perform a principal reduction? Will Maybank entertain me for such small amount repayment?
3. Has anyone here successfully shortened their loan tenure by making extra payments?

So im currently doing traineeship for 3 month, I want to get a credit card to improve my Credit score as soon as possible and thinking to buy a motorcycle with EPP.

This program give a monthly salary instead allowance ( mean deduct for epf , sosco etc), and have basically 100% extension to permenant rate .

I was thinking about using my parent CC, but feel like a waste to not try improve my credit score.

i like to seek for grants/investment to start a school bus business but find information severely lacking. any idea where or who or any government agencies that i can reach out to? below 100,000.

Foreign expat and lived here for >5 years. Never had an issue with TNG and every month usually put between 2k - 5k through it in transfers to family, paying bills, paying for other stuff, etc.

Last month Face ID stopped working, so now it's basically unusable. Multiple support tickets opened with TNG, but these retards just close the ticket with a comment the issue is resolved.

So what are the best alternatives that allow me to pay in stores using a QR code, and make transfers to pay for things? Can I use Wise to transfer to a store's QR code?

I have an insurance policy from Prudential which my parents bought for me in 2003. Right now, the medical card is RM50k annual limit with RM210k lifetime limit. Very low for today's medical costs.

In 2016 I had IBS. 6 months of medication and diet change, symptom free since then.

2020 I developed achalasia. A procedure done (known as POEM) in 2022, 3-6 months of follow up and medication, symptom free since then. No follow ups or medication since then.

I understand that my options are limited in terms of getting an upgraded policy (which will be treated as a new policy subject to medical underwriting). From what I understand, they might:

• Exclude any achalasia related claims totally (Most likely)
• Exclude any stomach/throat related claims or add a substantial premium loading (Likely)
• Completely reject the application (Less likely)

The agent who initially got the policy is no more. I recently checked and was randomly assigned one. She seems nice but I have never met her and likewise, she has no idea who I am.

I would like to know what are the best moves I can make to make the most of the situation:

(I have removed some questions that have been answered and adding some new ones)

• Any suggestions of platforms/companies other than the main ones (AIA, Pru, Allianz, GE)?
• Any thoughts/suggestions/feedback overall especially with my situation. What are my next steps?

Thanks very much!

Late 20s M currently working in sales as my very first job, currently have a few hundred in TouchNGo (using for daily expenses), have 20k in Rytbank, 19k in ASM , and 13k in EPF.

If my calculations is right, I will have at least 10k from my salary + commission next month, so I want to know if there's anything else I should do to invest long term instead of only saving. My basic is around 4k and I can earn from 0 to a few thousands maximum via commission. Averaging out the months so far I earn about 7-8k per month. Live at my parents home and don't have any loans, I only pay for health insurance and gym and music classes monthly. I mainly splurge on food outside, which could be cut down if needed. I try to use only 50% of my basic as monthly expenses if possible, and save the other half + commission to invest.

Just started investing in stock market (RM100 RSP on ETF VALL using FSMOne), I'm still a beginner so I'm taking it slowly. My risk tolerance is medium-high as long as I got enough emergency savings which I have, so what kind of investments should I do next?

Soooo a collegemate of mine recently told me that they falsified their salary slip to get a higher % increment.
This is of course legally wrong but just wondering how they were able to do this?
Won’t HR have a way to find this out? From their EPF or LHDN account or something like that?

Signed up for Versa Retire and activated the auto save plan, monthly deposits. But after a couple months decided to stop but I couldn't access the settings. For 2 months now it's been saying "Auto-save is on a short break", so I am unable to cancel or edit the auto reload plan. When I contact help support, the auto reply is "Your message has been sent. If a reply is needed, we will contact you shortly." 🫠 Starting to feel very scammy...

So I've used my CIMB card to purchase some train tickets for Korea and was charged in Korean Won. All I see in the notification was 'Your card ending number xxxx has been charged 100,000 KRW'

Then how do I know how much would that be in MYR?
I went to CIMB's foreign exchange rate page and they showed that KRW is N/A.

Then now what? I just sit and wait a few days until the MYR amount is shown in my transaction history / statement?

Hi guys.. recently I'm looking to buy some life insurance or term insurance to be exact to cover my housing loan, but a few agents I met kept saying that pure term life insurance is not available, so they offered now life insurance which has link to investment and said I just need to pay 10years to be able to cover 30 years.. is it worth getting these type of investment link ?

Hi all, after seeing the few posts on fake pay slip and fake offer letter. and with the tough employment environment, do you think it's good to have fake CV?

Maybe by doing so, I can get a 40% increment. I mean, who is going to check anyway.

Size 38mm

Brand GB Gold

10 dinar (standardized size of 38mm)

--

Comes in a card originally, but wanted to keep them as a stack

Right now I've got a 39mm coin capsule that I bought, but it's loose

Meaning when I move, the coin will move as well

I need ideas or suggestions!

What's a reputable brand that specifically sells airtight capsules / specializes in these things

I’ve recently discovered that my father is heavily in CC debt (100-200k) and I’ve asked him to consult

AKPK to manage the monthly payments. He mentioned that he’s recently talked to an agent from a private company that supposedly helps to restructure debt similar to AKPK. Apparently they have his debt history using CTOS and offered a restructuring plan where he needs to only pay a flat fee (~50% discount). However, they asked him to provide his credit card as they’ll have to make a charge on the card first for some fees.

Is this a legit operation? It honestly sounds too good to be true and my father is more than happy to take this deal instead of actually going through AKPK. Any insights into whether this is a scam or a legit way of helping out with financial burden?

Hello everyone, I’m currently freelancing for my friend’s company while working full time elsewhere. His company isn’t hiring for my position right now.

What if my friend gives me a fake offer letter so I can ask my current company to counteroffer?

I run a marketing agency based in Malaysia and Singapore and we cater to real estate agents, im looking to refine my prices to bring in more clients, Real estate agents of this reddit, how much would you pay for a genuine good meta ads service? At our starter package we do 1 campaign and 3 ad sets from A-Z for 2000 per month.

Hi guys, l need third opinion in this matters.

Offers that I got both are contract position:

Company A: Green

RM6500

-Manager seems really nice

-Location in city centre not somehere i prefer

-Hybrid/Onsite

-Good on resume

Company B: Big Pharma

RM9000

-Manager seems very serious

-Location is very near mrt and area that im really familiarize with

-Good on resume worldwide

-Hybrid

-Both required 3-4 hours daily commuting

-I have signed company A offer but my onboarding date keep getting delayed.

-Company B offer additional amount on top of my requested amount

-Higher chances to be absorbed in company B, company A is more likely on lower chance

The problem is i have signed the company A offer letter but i haven't gotten started yet. The date on the later should be this week supposedly. The notice period is 30 days but can is it possible to ask them for release since I haven't gotten started yet. I wanted to consider higher salary for better salary in the future and i would have more extra money to spend and invest but i don't know if im wise about that.

Edited: Company A medical coverage way higher.

Also thank you for everyone inputs, i appreciate each of the responses.

Update : Already in process transitioning. Company A tried to counter offer. No penalty so far from what I've heard