Which Asset Class Should I Invest?
Oftentimes, people like to know - ‘Which asset class is best as an investment?’. Is it stocks, properties, EPF, FDs, bonds, unit trusts, ETFs, robo-advisors, cryptos, and so on and so
Should I Reduce My Mortgage Balance?
Meet Alison, a 45-year old insurance agent. On average, Alison earns RM 20k a month in sales commission. Today, she has 1 investment property, where she owes a mortgage balance of
Cash Trusts: 16 Burning Questions Answered with Facts
Q#1 What is a ‘Cash Trust’? ‘Cash Trust’ as commonly promoted by some companies (other names are also used) is very different from the private trusts that trust companies normally provide
Extracting the ‘Secret Sauce’ from Warren Buffett’s Letter 2022
As of 31 December 2022, Berkshire’s common stock investments are worth US$ 308.8 billion, which is a 24.7% decrease from US$ 350.7 billion at end-2021. For 2022, there is no
What is My Worst Investment To-Date?
Many are open to share about their successes. But not so much about failures. Maybe, it is due to how we perceive the idea of success and failure. For instance, success
4 Common Financial Planning Questions Retirees Often Ask in Malaysia
Let’s say, you are in your late 50s, 60s, or 70s today. You could be at the tail end of your career, contemplating retirement. Or, you’re a retiree, setting your own
How to Obtain a 90% Loan for My Third Residential Property in Malaysia?
Lately, we received a question from Joe as follows: So here, I would like to answer this question with a case study below: Let’s assume that the two apartments Joe has are
Should Couples Engage a Financial Planner?
For years, I have been a student of personal finance and investing. Out of which to-date, I have accomplished many feats as an individual. To name a few, they include having
The Perils of a Wrongly Bought MRTA
This article is inspired by a sharing from Connie Chan, a regular at KCLau.com. It depicts failed considerations made by a local newly wed couple in buying MRTA for mortgage