Stay in the Game: Real Risk Management After 50
1 min readOne morning on the basketball court, I jumped to block a shot and landed right on my opponent's foot. My ankle booked the first loss of the day.
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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.
Interview Hanson from RinggitChannel
Hanson is a very experienced financial practitioner in Malaysia. He blogs at RinggitChannel. I enjoy reading his articles. Thanks Hanson for forking out the time to give us some money