EPF vs Dividend Stocks:Which is a More Suitable Investment?
If EPF historically offered more or less 5-6% a year, why invest in dividend stocks? It is a simple and valid question. The answer, however, is not as straightforward as Yes or
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EPF
Should You Pay Off Your Mortgage Before Retirement? Here’s How Smart Investors Approach It!
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.
Malaysia Retirement Withdrawal Guide: EPF, 4% Rule & Bucket Strategy
Retirement isn’t a finish line—it’s a cash-flow game. Spend too fast and the later years feel tight; spend too slow and your Ringgit naps while your best trips pass by. In this Malaysia-first guide, I unpack the Go-Go / Slow-Go / No-Go spending curve, show how the 4% rule works (and where it doesn’t), and lay out a three-bucket system—Cash & Safety, Income & Stability, and Growth—so you can live well now and sleep well later. We’ll talk EPF, properties, REITs, global stocks, sequence-of-returns risk, and a 12-point pre-withdrawal checklist. The goal? Confidence—so every Ringgit has a job, your cash buffer stays solid, and your lifestyle remains sustainable for decades.
New EPF Account Structure: Innovative Solution or Retirement Crisis?
The Employees Provident Fund (EPF) is Malaysia’s go-to retirement savings plan, and it’s recently had a makeover that’s got everyone buzzing. The new structure divides your EPF savings into three
Will I Inherit My Husband’s Estates Automatically Upon Deceased?
Let’s say we have Ryan and Mia, husband and wife. They are Malaysians, non-Muslims, and reside in Malaysia. Ryan earns RM 11k in monthly income as a project engineer. Mia earns RM
Should I Settle My Mortgage in Full ASAP As The Total Interests Charged on My Mortgage Can Buy Me Another House?
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
Withdraw EPF Fund to Pay Insurance Premium?
Vincent Lee from Penang generously shares an idea to use your EPF. This is what he shares with me in an email: For some unknown reasons, the EPF board refused to
Nearing Retirement? Are You Ready for It?
Find out the things you can do in preparation for retirement. Being prepared means having a happy and worry free retirement period.
My Greatest Financial Fears
Each one of us have our own financial fears. This writer shares her fears in this article. Are they similar to yours?