financial planning

Why Is Your Medical Card Getting So Expensive? (And What You Can Do About It)

Opened your mailbox recently only to find another hike in your medical insurance premium? You aren’t alone. With medical inflation in Malaysia outpacing the general economy and age-based risks compounding, keeping your coverage affordable is becoming a serious challenge. But canceling your policy out of frustration is the worst financial move you can make. In this post, we dive into the real reasons behind the surge—from advanced medical tech to rising claims—and reveal practical strategies to lower your premiums instantly. Whether it’s leveraging high deductibles or smart co-payments, learn how to protect your health without draining your retirement fund.

When Rising Income Leads to Financial Instability

Once, there was an ambitious young man. He came from a middle income family and dreamt of being rich and successful. In pursuit of his aspirations, the man started a business. Initially, he

Utility vs Status – The Key to Smarter Spending and Better Investing

Lately, I read Morgan Housel’s third book - “The Art of Spending Money”. Personally, I was hoping to find new interesting stories in his book as Housel had written quite a

Buy Insurance for “Retirement”

Here are screenshots received by KC Lau where the questioner asks of his views on her RM 12k a year investment into Dana Sejati: Source: KC Lau Here are some discussion points

Financial Slam Dunk Lessons From a Weekend of Basketball

Recently, I decided to swap out the usual routine for something a bit more exciting: watching the William Jones Cup, an international basketball tournament. This tournament, held annually since 1977

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

5 Simple Graphs that Depict Our Financial Wealth

What is wealth? At this junction, most of us aren’t financially literate. Financial terms like assets, liabilities, equity, profit margins, cash flows, ... etc seem foreign. Coupled with a mixture of

3 Key Advantages of Working with a Financial Planner

Ever bought life insurance from your friendly neighbor or got a hot real estate tip from Cousin Joe? You're not alone. We all love supporting friends and family, but when it comes to serious financial planning, it might be time to call in the pros. Sure, Cousin Joe might throw a great BBQ, but does he have four modules of training in financial planning? Probably not. Enter the licensed financial planners, the superheroes of personal finance. These aren't your everyday insurance or unit trust agents. They're equipped to tackle the big picture, save you time, and build long-lasting relationships. If you’re tired of chasing quotes and playing phone tag with Agent A, B, and C from Companies D, E, and F, maybe it's time to consult a financial planner. Looking for more professionalism, exposure, and efficiency? Don't worry; we're not firing Cousin Joe; we're just hiring a financial planner.

Pho-nomenal Finance: A Delicious Dive into Inflation and Currency Depreciation

Dive into a savory journey from Penang to California as we explore the delectable world of Vietnamese Pho, not just as a culinary delight, but as a metaphor for understanding personal finance. Discover the striking realities of inflation, currency depreciation, and the global cost of living. If you're passionate about achieving financial freedom, increasing income, and investing wisely, this post will serve up some food for thought! Welcome to the unique intersection of cuisine and finance. Let's stir the financial broth together!

« Older Articles