Is your mortgage holding you back from real wealth? Most Malaysians dream of being debt-free by 50, but smart investors know that paying off your home early might actually be costing you thousands in missed returns. From the 4% interest trap to the power of EPF compounding, here is why your house loan could be your most powerful financial tool in retirement.
Once you cross the big 5-0, the rules of the money game change completely. In your younger years, it was all about the hustle—earning, saving, and investing aggressively. But now? The
Starting my career, I juggled multiple side hustles—from teaching piano lessons during university to performing at cafes and even diving into insurance sales. Each role taught me something invaluable, but it wasn’t until I stumbled upon blogging in 2006 that things truly took a turn. What began as a small passion project quickly grew into a platform that not only supported my family but also empowered thousands of Malaysians with financial education. But here’s the thing: it didn’t happen overnight, and it wasn’t always smooth sailing. Want to know the pivotal moment that changed everything for me? Let me tell you…
I’m not sure if you heard of this: Assuming that you are buying a property worth RM 500k. You intend to place as much as RM 50k in down payment and
I received a query on debt settlement. Hi, Mr Lau, First of all, many thanks to you for giving me the free e-book. Its’ worth reading, cause I’m aware of unit trust
AKPK is an agency set up by Bank Negara Malaysia in April 2006 to provide financial counseling and debt management to individuals as well as financial education to help individuals take control of their financial situation and gain peace of mind that comes from the wise use of credit. The best thing about AKPK is that they didn't charge anything for the financial education provided to the public.