User Profile: ck5354
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Maybank’s 0% Balance Transfer Plan G oh Maybank’s 0% Balance Transfer Plan G
Managing multiple credit card balances can feel like a juggling act, especially when high interest rates start to eat into your monthly budget. If you are looking to streamline your finances and save on interest, Maybank’s Balance Transfer Plan G is currently one of the most effective tools available in...
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ck5354 via KLSE malaysia
6 months ago.
SPYL oh SPYL
As we navigate the volatility of the 2026 Iran conflict, many investors are panicking. However, for those of us with a long-term horizon (like my own 2035 retirement goal), these red days are often the best entry points. Today, I want to talk about my favorite vehicle for US exposure: SPYL (SPDR...
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ck5354 via KLSE malaysia
6 months and a week ago.
2026 ETF oh 2026 ETF
nbsp;In today's volatile landscape, achieving a 10% annual return requires more than just picking the right tickers—it requires navigating the geopolitical tax that war and energy shocks impose on the markets.As of March 2026, the conflict involving the U.S., Israel, and Iran has...
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ck5354 via KLSE malaysia
6 months and a week ago.
10 Malaysian Dividend Stocks for 2026 oh 10 Malaysian Dividend Stocks for 2026
nbsp;With the Employees Provident Fund (EPF) announcing a solid 6.15% dividend for 2025, many retail investors are asking: Can I do better on my own?The answer is yes—but you have to be selective. With the 10% REIT withholding tax concession ending, 2026 marks a new era where Net Yield is...
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ck5354 via KLSE malaysia
6 months and 3 weeks ago.
Maximizing Your Spare Cash 2026 oh Maximizing Your Spare Cash 2026
In 2026, keeping your money in a traditional savings account is almost like losing it. With high-yield options now offering 3% to 4% p.a. with the flexibility to withdraw anytime, the old Fixed Deposit lock-in periods are becoming a thing of the past.If you’re looking to park your emergency...
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ck5354 via KLSE malaysia
8 months and 2 weeks ago.
Cryto deposit oh Cryto deposit
Recently, I started exploring Crypto Simple Earn programs, specifically looking for stablecoin opportunities that offer yields as high as 20% APR.The Decision to SwitchInitially, I chose HTX (formerly Huobi) to park my assets. However, due to concerns regarding platform risk and long-term security, I...
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ck5354 via KLSE malaysia
8 months and 2 weeks ago.
PRS Myth oh PRS Myth
Like many others, I initially invested in PRS primarily for the tax relief. The math is simple: if you are in the 12% tax bracket, you effectively receive an immediate 12% return on your investment in the form of tax savings before the fund even starts to grow.I have been investing in PRS for 14 years.
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ck5354 via KLSE malaysia
8 months and 3 weeks ago.
ETF 2026 oh ETF 2026
*** I will start a papertrade porfolio to buy IFSW and EMVL, target 10% return for next 10 years, will it beat my EPF 5.8% return?nbsp;Best Strategy: Critical Strategy: The Glide PathInstead of picking one and staying there forever, consider this 10-Year Master Plan for a Malaysian...
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ck5354 via KLSE malaysia
9 months ago.
Personal Tax Relief 2025 oh Personal Tax Relief 2025
nbsp;Last-minute tax reliefs that you can take advantage of:Boost your EPF contributions: RM7000 - DoneRM4000 from mandatory contribution (if your salary gt;RM3030, then you’ll hit this one already)nbsp;RM3000 from voluntary contribution - DoneDeposit into SSPN (saving for kid’s...
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ck5354 via KLSE malaysia
9 months and a week ago.
6 k Malaysia Retirement oh 6 k Malaysia Retirement
nbsp;I am planning for my Retirement, this year I mark my 50 years old. 6 k enough?nbsp;Based on 6k with 5.5%, I need to have 1.3 million capital for retirement (capital reserved). I have 10 years to achieve it.Capital needed with 5%, 5.5%, and 6% interest rates: ...
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ck5354 via KLSE malaysia
10 months ago.
Protasco oh Protasco
nbsp;Protasco - Paving The Road For a Strong TurnaroundrhbinvestPublish date: Thu, 13 Feb 2025, 11:10 AMMYR0.65 FV based on 11x FY25F P/E, 88% upside.nbsp;Protasco is set for a strong turnaround on significant improvements in its highly recurring road maintenance and construction activities, and...
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ck5354 via KLSE malaysia
10 months and 3 weeks ago.
Buying 1,000 USDT in Malaysia: Which Platform Wins? oh Buying 1,000 USDT in Malaysia: Which...
As a Malaysian investor looking to buy USDT, choosing the right crypto platform can significantly impact your costs and safety. In this post, we compare eight popular platforms — Nexo, Bitget, Hata, Bybit, Luno, Huobi, and Binance — based on their fees and regulatory status in Malaysia. We’ll use a...
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ck5354 via KLSE malaysia
11 months ago.
2025 Malaysia Income Tax Reliefs oh 2025 Malaysia Income Tax Reliefs
As the cost of living continues to rise, the Malaysian government has introduced several tax reliefs for the year of assessment 2025 to help ease financial burdens. Whether you're investing in your health, your children's education, or green technology, these reliefs can significantly reduce your taxable...
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ck5354 via KLSE malaysia
11 months and a week ago.
October FD rate oh October FD rate
In times of economic uncertainty and market volatility, many people still prefer the safety and predictability of fixed deposits. While the returns may not be as high as other investment options, fixed deposits offer guaranteed interest and low risk. If you're considering locking in your money, here's a...
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ck5354 via KLSE malaysia
11 months and 3 weeks ago.
Sentral REIT oh Sentral REIT
The Long-Awaited Divestment; Keep BUYSource: rhbinvestPublish date: Mon, 18 Aug 2025, 12:22 PMKeep BUY, new DDM-derived MYR0.97 TP from MYR0.93, 20% upside with 9% FY26F yield. Sentral REIT has entered into a conditional sale and purchase agreement to dispose of Wisma Sentral Inai for MYR135m in cash. We...
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ck5354 via KLSE malaysia
4 weeks and a day ago.
Malaysia’s Best Low-Risk Savings oh Malaysia’s Best Low-Risk Savings
nbsp;Interest rates took a dive after Bank Negara’s July cut, and now your cash is probably just... sitting there. But don’t worry—we’ve found 6 low-risk savings platforms that still offer juicy returns. Ready to make your money hustle?Personally I have Atlas, Boost, TnG should I add Ryt Bank?
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ck5354 via KLSE malaysia
1 month ago.
0% Balance Transfers, Big Savings Ahead oh 0% Balance Transfers, Big Savings Ahead
If you're juggling multiple credit card payments or simply want to save on interest, balance transfers (BT) are your secret weapon. Two of Malaysia’s leading banks—Public Bank and Maybank—are offering irresistible 0% BT promotions that can help you breathe easier financially. Here's how to make the...
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ck5354 via KLSE malaysia
1 month ago.
Bybit Staking Hacks oh Bybit Staking Hacks
CAUTIOUS:nbsp;nbsp;SC orders Bybit to disable website, apps in Malaysia for operating illegal crypto exchangehttps://theedgemalaysia.com/node/739129CAUTIOUS:nbsp;nbsp;HAIYA, another opporturnities closed.Is it worth to take the RISK? I don't know. Tepuk Dada Tanya Selera.WHY I explore...
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ck5354 via KLSE malaysia
1 month and a week ago.
Persona Car Maintenance oh Persona Car Maintenance
Today, I brought my 2017 Proton Persona VVT for an engine oil change.All the materials were purchased online, and the workmanship cost was RM30.Current Mileage: 68,555 kmReplaced: Spark Plugs, Engine Oil, Cabin Filter, and Oil FilterMy Car Spark Plus Model:LKAR7BGP 94297 [4PCS] NGK GENIUNE PROTON IRIZ,...
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ck5354 via KLSE malaysia
1 month and a week ago.