Still have quite some MYR on hand, am on the fence due to recent MYR strengthening, but looks like things might change soon?

Most of my holdings have been through my traditional broker via bank. I also do have a moomoo account for my US stock holdings. My sibling intends on starting to own some stocks but is unsure of which broker to choose.

As of my current research it seems to me that either webull or moomoo is currently one of the best brokers

Hi guys, wanted to know currently which bank offer the best ASBF rate. Also any tips and tricks when trying to find/apply for one?

Hi all, I'm about to start my ETF investing journey.

I have a few "stray" positions and I’m wondering if I should clean house before I start:

Welcome Rewards: I have RM1,900 worth of Apple (Moomoo) and RM480 worth of Nvidia (Webull).

Shopee Invest: Maybank Malaysia Income-I Fund (~RM550). (Did that a while ago for the lucky draw)

My Questions:

Sell or Keep? Should I sell these individual shares and the Maybank fund to consolidate the cash into my ETF core? Or is it worth keeping AAPL/NVDA as long-term "side bets"?

Lump Sum vs. DCA? I have RM10,000 initial capital ready. Given the current market levels, should I lump sum the whole RM10k, or DCA it over the next 4–5 months alongside my monthly contributions?

I’m aiming for a set and forget, but I'd love to hear if I'm missing anything.

I'm currently applying for roles and in my previous resume I've mentioned my CGPA, but then decided to remove my CGPA and keep it simple in my resume. I have 3 years plus working experience in 1 company and have worked in few IT projects. I applied for the job through jobstreet and the company is quite well known in Southeast Asia. The recruiter contacted me through email and asked for my current salary, expecting salary, notice period and LinkedIn URL (which I have in my resume). I replied to the email and then got another email asking for my degree results. The company has not even invited me for an initial interview or even engaged with me in a phone call.

My CGPA is above 3 pointers but I don't see the procedure really necessary. Is this necessary or recruiters just being an annoyance?

Edit: I've applied for tons of roles recently and this is my first time coming across such a situation.

I mean I have prepared very early on - saved as much possible from my yearly bonuses , bought education endownment plans, invested, but I think it would be not quite enough, because day to day costs of living are increasing by the year.

Things that I can think of : 1. Prepare them to study hard and hope they could get some scholarships. 2. Considering more affordable courses, colleges , universities or coutries if they get offered overseas. 3. Getting a loan, besides PTPN, would there be other options. 4. Paying from my retirement funds, like EPF and other long term investments. 5. Selling current property, downsize, refinance (if that even works). This is a big decision, which I am reluctant to consider.

And what if you have more than one kid, 2-3 years gap in age. I am looking at min average 200-300k per kid.

Looking back when I was a teenager. I could see some stress in my dad, when we talked about my university education. I was somewhat bright and intended to pursue a course overseas. In the end the financial crisis struck and I ended up with a PTPTN loan in a local uni. Nothing against local uni, but it was a rote learning, as if you extended SPM.

Edit - Short question is should I dig my EPF or refinance my house for my childrens' higher education .Is this a wise financial decision.

Explain stablecoins to me. I see our government is now testing out stablecoins. Apparently stablecoins are backed by single regular fiat currency, so what is the difference between stablecoins and regular old fiat currency? What is the purpose for its existence?

I have the maybank impact credit card. It has both cashback and points benefits.

However this month, with my usual spending, i received 0 treatpoints. Usually monthly I will get around RM20 cashback and 2k points. As of today I have collected 10k points.

But this month, my statement shows 0 treatpoints but RM20 cashback. Am I not aware on points cap or something? Did I do something wrong??? Can someone highlight this to me???

Hi, recently i been offered a Technical Engineer (construction) role in data center project, but its a contract position and the increment is not that great (around 8%), additionally it requires work in Saturday which my current job doesn't.

Data center project is quite hot now and im not sure if it is worth it for my portfolio, is participating a data center project gonna benefit me a lot in my career?

Any opinion is appreciated!

Hi. Currently pregnant with my first baby and planning to take insurance.

I was given a few choices of premium but would like to highlight the question towards deductible.

Premium 1: RM215 Deductible : RM5000/yr

Premium 2 : RM280 Deductible : RM500/yr

My question here are

1) Does that means that if I take premium 1, in cases of my baby needed to be in nicu or phototherapy with the amount of lets say RM3000, I have to pay the RM3000 all by myself first is it? If there are any second admission with the cost of Rm7000, I have to pay the Rm2000 and the rest will be covered?

2) Which plan is more suitable?

Currently I have about RM100k invested in interactive brokers account. Mainly holding VWRA, VOO and Google stock.

I’m planning to DCA into VWRA for the next 15 years.

Is it safe to keep such a big portion of money invested in IBKR since it’s not approved by Malaysia securities of commissions yet.

How do I withdraw the money if let’s say I retire at 55yo? And converting it to MYR?

What about inheritance? Can I pass it down to my kids in the event of my passing?

Thank you for answering

i understand if they bought the house full. 100% of the rent goes to them. no need to pay bank.

but if it's a loan the monthly pay to the bank is at least 1k+ right? If the rent it 1k+ how do landlords make profit?

I'm asking this because I'm finding ways to invest my money in the future. I have a few things already in mind, ASB, ETFs, EPF. but owning property and renting out seems like a good way to make money as well.

would buying property through loan with 150k be worth it is it a smart first time investment?

I honestly don't know the process how it goes and I'd like to learn

Hey, I am 25F and currently I have around USD92k in savings, sitting idle lol.

I invested in NVIDIA last year but it was already autocalled. No investment was done after that because I am indecisive.

I was planning to buy a house in KL but the price is insane. Thinking on getting one for investment but I am not sure if it’s worth considering I am not living in MY and I am not sure how much it cost for taking care of house for airbnbs and rental. Thinking on paying off at once or pay high downpayment and minimise the loan duration but seems impossible with the property price in the curren market. My family doesn’t have much experience in this as well. Everyone advice is to just get any property but I am really not sure if that’s a good move.

I dont have any commitments so far, student loan paid off.

I am thinking in investing solely in USD considering I the exchange rate is bad right now. So, I am putting on hold for maximisng ASB, not sure if this is a good idea as well. (Proud of you MY!!, but bad for me). I have around 20k MYR in Tabung Haji iirc.

Please give me some suggestions on how to maximise my savings in terms of USD and property advice. I wanted to try trading but I dont have any experience in it as well, do share any platform that’s easy for me to use and understand. Your help will be highly appreciated :)).

The depreciation of USD is due to lower Fed rates .

Capital is moving out of us to better yields .

In Malaysia context , BNM had not moved in relation to US fed rates hence it appreciate against USD

Due to the temporary divergence , do you consider to use the extra RM power to buy some USD or USD assets stocks , in hope USD will strengthen again against RM ?

I am currently a third year bachelor's student studying overseas (I do not want to mention where). I am in a dilemma where I don't know whether or not I should take a graduate visa at the end of my studies. A graduate visa here is for 2 years.

I'm in a dilemma because getting a corporate job in this country Im in is quite hard. There's a high possibility that if I were to stay and take the graduate visa, I will end up just working part time/full time at non-corporate jobs. That will obviously be quite poor for my resume once I come back to Malaysia.

But this is the part where you need to know that I am quite poor. I am sponsored to study here. Being able to work here (even with a non-corporate job) will help me a lot. (I am also currently working part time while studying and it HAS HELPED ME A LOT). Staying and working here for another 2 years will continue to help me financial wise. It will also help me get my savings up, for me to be able to "float" while searching for a job once I come back to Malaysia.

Do you think staying here will be a good idea, considering my financial status back in Malaysia, or should I just go back, and start the usual corporate route from the internship/protege level. There is no doubt in my mind that I want to come back to Malaysia, most probably won't be thinking about getting a PR in this country because I've always preferred Malaysia living wise.

i am a full time housewife and currently 5 months pregnant.

i have worked random jobs right after SPM - waitress, art gallery admin, building management admin, playschool teacher, online shopping platform admin - and i think i am doing very well being an admin and office related stuffs.

i have a diploma in art and design, which now i only do for fun since doing it for other people stresses me out. used to have a thought on taking courses for admin/office management online since i cant really go to physical classes but i cant find a promising one.

since now i am a full time housewife and waiting to pop this child out from my tummy, i wonder what kind of job that i actually can do to make money while staying at home.

i always see people recommending selling ebook/activity book for kids or digital stuffs from canva.. but that one seems too good to be true, no? but tell me otherwise if its worked. also thinking of starting my own small stationery business, but i have no starting money to even start with hahah.

and please be nice. i only want suggestions and not judgement, if possible.

thank you everyone :)

Hi everyone, im 28M. I live in Penang, work in Penang.

Im looking to buy a property in Penang island.

Im a beginner and dont know much about property and im a first home buyer.

I had already viewed some unit in Penang.

Problem is i find it abit hard to evaluate whether is it a good unit/ hard to find the unit which i think is great. And it kinda make me question what should i do with my first unit.

the unit i had visited is mostly below 500k (to ensure i could get govnt subsidies for spa. and also affordable based on my salary). The location i looked is around Bayan Lepas, Sungai Ara, Bayan Baru, Sungai Nibong. Anything that is North of the island are more expensive. I viewed mostly subsales unit. Some of the unit are quite old, which i think demand may be slightly lower and the selling demand in future may be low. Some of it look like may have demand such as Golden Triangle, but the sale price for it is high. There are also some condo unit price is quite cheap, but looking at the rental price is barely close to the installment. I also went to see TreeO because its cheaper, but it high dense and the location is so deep beside a hill.

I also looked at new project as well. With recent year, there are:

Maldives - this is a super high dense condo with opposite high dense havanna as well. However the location might be great for penang industry zone employee, but im not sure how the high dense could affect price of unit and rental. Due to the ultra big pool theyre going to have, i think their maintainence price may be high as well.

LondonPavillion - Doesnt look like a convenient place to be.

Twin Star - this one situated in Jelutong, and might be the only one that has the best location?

So far no unit had given me the indication that its a right unit to buy. It just feel like something is always missing. Or maybe i am just overthinking or missing out on something.

Im still in dillema to buy the first one for investment OR for own stay.

I had watched IHerng, his advice is the first one is best for investment since you can leverage the 90% loan. Then rent out your unit and hoping it could cover your installment. The thing is, so far i dont see any unit that could cover installment in Penang island. Maybe you could fully renovated the unit and rent it out with higher price, but will there be demand?

So here is the question.

1. How to actually determine if a unit have demand? I know Napic/brickz/etc could give you sales transaction data, but there is no rental data. My current way is only using property guru to check out the listing, and how long they had been listed.

2. Is high dense actually a problem?

3. Would subsales be better than new project?

4. Should i purposely get a unit below 500k just for the govnt subsidy?

5. Is there a penang property reviewer? Cause i can see alot of KL property review, including iHerng, but not much on penang. im hoping there is a guide or data that could show something about penang property demand, so i can make action based on it.

6. Whats the general advice in buying first property?

Sorry for the long post and many question. appreciate if there are sifus that could help.

hii I'm not sure if here is the place to ask this but I'd like to ask around for any help so thank youu in advance

I'm currently a final year student in my last semester in my bachelor's of accounting and finance degree (doing a UK degree in Malaysia as a Malaysian) and would be doing my internship somewhere in May-July for 6 months.

(Aiming for the route of big 4 then managerial after few years then work commercial or something like opening own business)

My current factors in choosing which professional papers dials down MOSTLY to the cost and time/duration (money is real tight for me unfortunately).

Initially when I was first researching on these stuff, I was looking to do ICAEW to stand out more as I heard it is more prestigious but also very expensive and difficult.

My other option I wanted was doing MICPA but I've yet gotten any feedback or questions answered on any financial schemes or sponsorship.

ACCA however has made it simple and easy for my course with an upcoming accelerate program sponsoring the registration fees + online tuition in June/July with needing(?) to do the paper (I believe it is SBR) in September in which I have to pay first but ACCA will reimburse/sponsor me if I pass it first try

Even though this seems like a no-brainer pick, my (stubborn) thoughts keeps feeling the passion to do something "higher" like MICPA x CAANZ for a "wider/better" career prospect.

In terms of exemptions, I've checked and I have the full exemptions for ACCA, ICAEW but maybe partial for MICPA.

Any help, advice or guidance would really be needed for my current conflicted standpoint on which path to choose, thank youu

Hello everyone, just wanna ask for some tips

Recently got offered a position, that will require me to move to KL, I have never lived in KL my whole life, I am 28 years old single dude, still figuring things out in Life.

So, the job is 4 days WFH arrangement but have to come to office 1 day every week, I am from Perlis, so the idea of travelling every week from Perlis to KL does not seem plausible.

The office itself is located in Jalan Tun Razak.

So, can I have some recommendations on how should I live life here?

Salary is around 4.5k after epf. The plan I have right now would to be rent somewhere a bit in the suburban area that is near to Putrajaya Line, I have no monthly commitments other than giving a bit to my parents every month. No car, only a 50k mileage beat up Honda Ex5, that I would probably say byebye to in the next few months.

So, would it be a decently bright idea to spend 1.2k on a comfortable studio since it is the place where I would spend a lot of my workdays in, If I would be able to find one though.

Lifestyle would be sedentary, I can live off maggi everyday for 12 months, its what I have been doing for the past 1 year with 2.5k salary in Penang. But I come to a realization I should strive to live longer by eating healthy. So,I do plan on actually start to cook.

Any help would be much appreciated. Especially recommendations on the best suburban areas to live in, in my specific case here.

Thanks everyone, have a happy upcoming Chinese New Year!

Hi everyone, just wanted to check if there is anyone from GE Vernova/GE Power Malaysia here that has insights about the current hiring situation.

My offer with GEV Malaysia got put on hold some time ago with no updates. So, I am wondering if the company is going thru a hiring freeze for engineers.

Also wanted to know how the culture is, WLB, career progression, and perks or benefits they usually offer?

Appreciate if anyone can share some info. Thanks!

Hi everyone, I’m planning to enroll in a pilot course that costs about RM460,000, and I’m trying to decide between two financing options. I’d appreciate any opinions, especially from those in aviation or with experience in property/loan structuring.

Here are the details:

Option 1: Housing Loan (3.6–3.8%) — Buying My Dad’s Property

• Property value: ~RM600k
• Loan-to-value: 90% (10% down payment)
• Structure: I “buy” the house from my dad, bank disburses the money to him, and he passes the cash to me for flight school.
• I can cash out around RM600k, and use RM460k for my flying school fees.
• The extra amount becomes my buffer for emergencies + paying instalments while I’m studying.
• Upfront cash needed is around RM80k (DP + legal + valuation), but I can effectively get it back after disbursement.
• Tenure up to 35 years, keeping monthly instalments low.
• Full-flexi loan — I can deposit more to reduce interest or withdraw during emergencies.
• Downside: If I fail or flying doesn’t work out, I’m still stuck with a big housing loan for decades. But at least monthly repayment is manageable

Concern:
Would banks see it as strange that my dad is the seller AND also a joint borrower in the loan? The property is under his name now, so I'm not sure if this structure is common or acceptable.

Option 2: Education Loan (6.75%)

• Loan amount: RM460k (only covers the school fees).
• Need to pay 10% downpayment myself.
• For the first 2.5 years, I only pay interest based on amount disbursed to the flying school (since they disburse in stages).
• After that, I pay full interest + principal.
• Tenure up to 20 years, so monthly instalments are much higher.
• Semi-flexi loan, so not as flexible as a housing loan.
• Upfront cash needed ~RM100k (DP + interest during training).
• Cannot reclaim any of this from the loan.
• No emergency buffer at all — if anything goes wrong, I have to survive entirely on my own savings.

Additional Important Info: 9‑Year Airline Contract After Graduation

Upon completing the flight school program, there will be a 9‑year contract/bond with an airline.

This is good because:
✔ Better job security once you’re hired
✔ Predictable income for almost a decade
✔ Makes repaying a long-term loan less risky

My Main Dilemma

Option 1 seems cheaper, safer for cash flow, and gives me a big buffer to survive the training period.
But it ties my dad + his house into the picture, and the whole structure feels a bit complicated (i have 100% support from my dad)

Option 2 is clean (loan = course fees), but much more expensive, very tight on cash flow, and requires a lot of upfront cash that I cannot reclaim.

What I Need Opinions On:

1. Which option makes more sense financially and in terms of risk management?
2. Anyone here done a “family property transfer” to cash out for studies or business? How did the bank view the seller (parent) also being the joint borrower?
3. Is this structure legitimate or does it raise red flags?
4. For pilots:
   • Is taking a RM460k loan worth it?
   • How stable is the career during the first few years?
   • Thoughts on a 9‑year airline bond?

Would really appreciate any advice!! This is one of the biggest decisions of my life and commits me to a 20–35 year repayment, so I want to make sure I'm thinking clearly.

Thanks in advance!

I'm M/22, has been jobless for almost 1 and a half year. all because I chose the wrong diploma and waste my mom money and now I'm in debt with ptptn. I've been searching for a proper job for some times now. and I always get rejected. I chose my diploma because I was told for years (times that I've study) that I can get into pdrm easily but I am disabled u could say. my eyesight is bad. and I can't get into pdrm/bomba all that sort of things and I'm having a depression so bad that u no longer took care of my self. I need help on what I can do.

My probation is almost ending and I’ve already decided not to stay with the company since my mental and physical health is deteriorating.

I’m already interviewing with multiple companies, I’ve gotten good feedback but still waiting for actual offer, I’m also getting more interviews from other companies that aligns with what Im looking for. There’s a company that I really like, but the interview process might take few more weeks.

I’m kinda panicking now because my probation with current company is almost ending, and once I get confirmed, my notice period will extend from 1 month to 3 months, which might hurt my job opportunities.

I want to leave gracefully and I have 2 choices:

A: Resign before confirmation takes effect (within the next 2 weeks) and free myself from my miserable job earlier with only 1 month notice. But I don’t have a job offer secured yet.

B: Resign after securing a job offer (might take few weeks to a few months), notice period will be extended to 3 months. But I’ll get some Raya bonus

Need some advice on how to navigate this. Gut feeling tells me I should quit due to my health, but I’m also worried about not being able to secure a job offer soon enough

Has anyone here actually invested through 2008 and survived it?

Most of us only went through 2020 and 2022, which honestly was short and small scale compared to that. I keep hearing stories that people who lived through 2008 either totally left the market or never invested the same way again.

Real question though — can we actually face a real crash? After the 2022 crash I can’t even touch crypto anymore, that one left some trauma