tag:blogger.com,1999:blog-75040704154593497922026-06-05T13:52:53.565+08:00Ultimate KLSE blog 都想買低賣高‧ 總是買高賣低ck5354http://www.blogger.com/profile/06640720179925779257noreply@blogger.comBlogger6828125tag:blogger.com,1999:blog-7504070415459349792.post-78624103403336512362026-06-05T13:52:53.565+08:002026-06-05T13:52:53.565+08:00

BYE BYE 4%!!!If you park spare cash in KDI Save, a major change lands on 16 June. Kenanga Digital Investing is moving from its old flat-rate structure to a new investment-linked tier system.Leave your cash completely in KDI Save without touching KDI Invest, and your interest rate drops to a base 2.88% p.a. To beat the drop and unlock higher returns, you must hold a minimum balance in a

ck5354http://www.blogger.com/profile/06640720179925779257noreply@blogger.com0tag:blogger.com,1999:blog-7504070415459349792.post-51632130658244637952026-05-29T11:22:12.335+08:002026-05-29T11:22:12.335+08:00

Initial Public Offerings (IPOs) in the Malaysian market continue to attract retail investors looking for strong listing-day gains. However, one of the biggest challenges retail investors face is the ultra-low success rate due to heavy oversubscription. If you only apply with your cash savings, your allocated shares might be minimal.This is where IPO Financing (also known as share financing or

ck5354http://www.blogger.com/profile/06640720179925779257noreply@blogger.com0tag:blogger.com,1999:blog-7504070415459349792.post-60204413349712645982026-05-15T10:58:12.237+08:002026-05-15T10:58:12.238+08:00

If you're still keeping your entire life savings in a standard savings account earning 0.25%, you aren't just "playing it safe"—you're losing money to inflation every single day. In the 2026 Malaysian market, liquidity is king, but yield is the crown. Here is how to make your Ringgit work harder without breaking a sweat.The 2026 Malaysian Investment ComparisonAsset ClassEst. Returns (p.a.)Lock-in

ck5354http://www.blogger.com/profile/06640720179925779257noreply@blogger.com0tag:blogger.com,1999:blog-7504070415459349792.post-36369054955558476912026-03-21T10:07:00.001+08:002026-03-21T10:07:26.865+08:00

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 the Malaysian market.With the current promotion ending on 31 March 2026, here is everything

ck5354http://www.blogger.com/profile/06640720179925779257noreply@blogger.com0tag:blogger.com,1999:blog-7504070415459349792.post-79732836637868744432026-03-18T10:33:00.002+08:002026-03-18T10:33:49.666+08:00

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 S&P 500 UCITS ETF).1. The Ultra-Low Cost AdvantageIn the world of investing, fees are the silent

ck5354http://www.blogger.com/profile/06640720179925779257noreply@blogger.com0tag:blogger.com,1999:blog-7504070415459349792.post-26851896662548588422026-03-16T23:57:00.003+08:002026-03-16T23:57:51.988+08:00

 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 fundamentally shifted the math for investors. If you are looking to buy into SPYL and WEBN now, here is how the "

ck5354http://www.blogger.com/profile/06640720179925779257noreply@blogger.com0tag:blogger.com,1999:blog-7504070415459349792.post-62718536870069551722026-03-04T21:27:00.004+08:002026-03-04T21:27:43.039+08:00

 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 king. REITs are now taxed at your individual rate, making them highly attractive for those in lower tax

ck5354http://www.blogger.com/profile/06640720179925779257noreply@blogger.com0tag:blogger.com,1999:blog-7504070415459349792.post-15015078576219104812026-01-08T23:39:00.004+08:002026-01-08T23:41:48.203+08:00

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 fund or your child’s savings, here is a breakdown of the best "parking spots" for your Ringgit based on

ck5354http://www.blogger.com/profile/06640720179925779257noreply@blogger.com0tag:blogger.com,1999:blog-7504070415459349792.post-12381602440429075982026-01-05T22:44:00.000+08:002026-01-05T22:44:27.616+08:00

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 decided it was time to migrate my funds to Binance. Binance is widely considered the industry

ck5354http://www.blogger.com/profile/06640720179925779257noreply@blogger.com0tag:blogger.com,1999:blog-7504070415459349792.post-16572369784654791872026-01-02T09:35:00.000+08:002026-01-02T09:35:35.269+08:00

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. Below is my actual portfolio data, followed by a detailed comparison to show whether it truly

ck5354http://www.blogger.com/profile/06640720179925779257noreply@blogger.com0tag:blogger.com,1999:blog-7504070415459349792.post-42654844056093352262025-12-20T14:28:00.003+08:002025-12-21T18:27:19.574+08:00

*** 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? Best Strategy: Critical Strategy: The "Glide Path"Instead of picking one and staying there forever, consider this 10-Year Master Plan for a Malaysian investor:Years 1–4 (The Accumulation Phase): Go 60% EMVL / 40% IFSW. Since you are starting in a low-valuation

ck5354http://www.blogger.com/profile/06640720179925779257noreply@blogger.com0tag:blogger.com,1999:blog-7504070415459349792.post-88943804294972180782025-12-19T22:38:00.001+08:002025-12-19T22:38:12.065+08:00

 Last-minute tax reliefs that you can take advantage of:Boost your EPF contributions: RM7000 - DoneRM4000 from mandatory contribution (if your salary >RM3030, then you’ll hit this one already) RM3000 from voluntary contribution - DoneDeposit into SSPN (saving for kid’s education): RM8000 - DoneContribute to PRS: RM3000 (Guide: How to choose a PRS fund) - DoneBuy medical insurance:

ck5354http://www.blogger.com/profile/06640720179925779257noreply@blogger.com0tag:blogger.com,1999:blog-7504070415459349792.post-80259345152741414852025-11-25T10:56:00.000+08:002025-11-25T10:56:34.487+08:00

 I am planning for my Retirement, this year I mark my 50 years old. 6 k enough? 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: Monthly SpendAnnual Spend5.0%5.5%6.0%RM 6,000RM 72,000RM 1,440,000RM 1,309,091RM 1,200,000RM 8,000RM

ck5354http://www.blogger.com/profile/06640720179925779257noreply@blogger.com0tag:blogger.com,1999:blog-7504070415459349792.post-60875752590354653492025-10-31T14:14:00.003+08:002025-10-31T14:14:32.457+08:00

 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. Protasco is set for a strong turnaround on significant improvements in its highly recurring road maintenance and construction activities, and loss-making education arm's disposal. A long operating history and comprehensive infrastructure

ck5354http://www.blogger.com/profile/06640720179925779257noreply@blogger.com0tag:blogger.com,1999:blog-7504070415459349792.post-22350436206409879682025-10-25T09:52:00.000+08:002025-10-25T09:52:58.912+08:00

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 simple example: buying and withdrawing 1,000 USDT.🔍 Fee Comparison: Buying & Withdrawing 1,000

ck5354http://www.blogger.com/profile/06640720179925779257noreply@blogger.com0tag:blogger.com,1999:blog-7504070415459349792.post-29466867122573190142025-10-13T14:59:00.000+08:002025-10-13T14:59:01.369+08:00

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 income.Here’s a breakdown of the key tax reliefs you can claim:🩺 Health & Medical

ck5354http://www.blogger.com/profile/06640720179925779257noreply@blogger.com0tag:blogger.com,1999:blog-7504070415459349792.post-12805389310793321022025-10-13T11:26:00.008+08:002025-10-13T11:26:44.798+08:00

 

ck5354http://www.blogger.com/profile/06640720179925779257noreply@blogger.com0tag:blogger.com,1999:blog-7504070415459349792.post-71716208448063357462025-10-02T22:42:00.003+08:002025-10-02T22:42:48.406+08:00

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 comprehensive list of current fixed deposit rates from various banks in Malaysia as of October

ck5354http://www.blogger.com/profile/06640720179925779257noreply@blogger.com0tag:blogger.com,1999:blog-7504070415459349792.post-8350840768734221732025-09-18T17:45:00.003+08:002025-09-18T17:45:19.206+08:00

 In summary, the three questions you must answer before you choose to retire:1) Do You Have A Reliable Cash Flow Plan?2) Have You Accounted for Healthcare and Unexpected Costs?3) How Will You Spend Your Time And Stay Fulfilled?Will these three questions really determine 99% of your retirement success?  Who knows (it did catch your attention, though, right?).  Regardless of the

ck5354http://www.blogger.com/profile/06640720179925779257noreply@blogger.com0tag:blogger.com,1999:blog-7504070415459349792.post-5670766870427898272025-08-28T09:18:00.003+08:002025-08-28T09:18:45.523+08:00

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 view the disposal as a rerating catalyst for the stock, as it removes a long-vacant,

ck5354http://www.blogger.com/profile/06640720179925779257noreply@blogger.com0tag:blogger.com,1999:blog-7504070415459349792.post-1144601138261406762025-08-22T16:26:00.001+08:002025-08-22T16:26:24.733+08:00

 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? Look interesting but only until 30 NOV.6 I have 3, 50%. Woo la la.💰 1. KAF Digital Bank5.00% p.a. on

ck5354http://www.blogger.com/profile/06640720179925779257noreply@blogger.com0tag:blogger.com,1999:blog-7504070415459349792.post-42028551351578610722025-08-22T09:44:00.002+08:002025-08-22T09:44:37.089+08:00

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 most of them.🏦 Public Bank (PBBank) – 6 Months 0% Balance TransferPromotion Highlights:Interest

ck5354http://www.blogger.com/profile/06640720179925779257noreply@blogger.com0tag:blogger.com,1999:blog-7504070415459349792.post-58846077836707359322025-08-18T11:18:00.003+08:002025-08-18T11:18:28.595+08:00

CAUTIOUS:  SC orders Bybit to disable website, apps in Malaysia for operating illegal crypto exchangehttps://theedgemalaysia.com/node/739129CAUTIOUS:  HAIYA, another opporturnities closed.Is it worth to take the RISK? I don't know. Tepuk Dada Tanya Selera.WHY I explore now because you can CASH OUT using BYbit card.If you're sitting on some USDT and wondering how to make it

ck5354http://www.blogger.com/profile/06640720179925779257noreply@blogger.com0tag:blogger.com,1999:blog-7504070415459349792.post-64757332359872866232025-08-13T12:46:00.001+08:002025-08-13T13:00:12.389+08:00

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, PERSONA VVT, SAGA VVT BEZZA 1.3 & MYVI GEN3 NGK G -POWER SPARK PLUGRM 84.69Engine Oil

ck5354http://www.blogger.com/profile/06640720179925779257noreply@blogger.com0tag:blogger.com,1999:blog-7504070415459349792.post-32786513404741431252025-08-07T14:42:00.001+08:002025-08-07T15:15:26.803+08:00

My persona car Tire not yet reach one year, got some peeling off the skin.Luckily I can claim warranty, the boss is good and let me claim warranty.Aplus A607 now change to Hilo Vantage XU1 because same manufacturer.Got another brand Vittos VSU01, not sure good or not.EU tire label explained: https://www.goodyear.eu/en_gb/consumer/learn/eu-tire-label-explained.htmlComparison between the 3:

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