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	<title>CF Lieu</title>
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	<description>Independent Licensed Financial Adviser Malaysia</description>
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		<title>How to Rebalance Investments Without Unnecessary Trading Costs</title>
		<link>https://howtofinancemoney.com/how-to-rebalance-investments-without-unnecessary-trading-costs</link>
					<comments>https://howtofinancemoney.com/how-to-rebalance-investments-without-unnecessary-trading-costs#respond</comments>
		
		<dc:creator><![CDATA[CF Lieu]]></dc:creator>
		<pubDate>Sun, 13 Sep 2026 14:31:00 +0000</pubDate>
				<category><![CDATA[Investment]]></category>
		<guid isPermaLink="false">https://howtofinancemoney.com/?p=28608</guid>

					<description><![CDATA[Rebalancing keeps your portfolio aligned with the risk level and long-term goals you originally chose. But learning how to rebalance investments without creating unnecessary trading costs matters just as much as setting a target allocation. A portfolio that is corrected too often can lose money through brokerage minimums, spreads, fund charges, foreign-exchange costs, and potentially&#8230;&#160;<a href="https://howtofinancemoney.com/how-to-rebalance-investments-without-unnecessary-trading-costs" rel="bookmark">Read More &#187;<span class="screen-reader-text">How to Rebalance Investments Without Unnecessary Trading Costs</span></a>]]></description>
		
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		<title>What Asset Allocation Suits a Malaysian Pre-Retiree?</title>
		<link>https://howtofinancemoney.com/what-asset-allocation-suits-a-malaysian-pre-retiree</link>
					<comments>https://howtofinancemoney.com/what-asset-allocation-suits-a-malaysian-pre-retiree#respond</comments>
		
		<dc:creator><![CDATA[CF Lieu]]></dc:creator>
		<pubDate>Sat, 12 Sep 2026 14:29:00 +0000</pubDate>
				<category><![CDATA[Financial planning]]></category>
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					<description><![CDATA[What asset allocation is suitable for a Malaysian pre-retiree? The most useful answer is not a fixed percentage based only on age. I would start with your retirement date, expected ringgit spending, reliable income sources, medical needs, and how much of your portfolio must remain accessible during a market decline. TL;DR: A Malaysian pre-retiree often&#8230;&#160;<a href="https://howtofinancemoney.com/what-asset-allocation-suits-a-malaysian-pre-retiree" rel="bookmark">Read More &#187;<span class="screen-reader-text">What Asset Allocation Suits a Malaysian Pre-Retiree?</span></a>]]></description>
		
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		<title>How Malaysian Investors Can Measure Loss Capacity</title>
		<link>https://howtofinancemoney.com/how-malaysian-investors-can-measure-loss-capacity</link>
					<comments>https://howtofinancemoney.com/how-malaysian-investors-can-measure-loss-capacity#respond</comments>
		
		<dc:creator><![CDATA[CF Lieu]]></dc:creator>
		<pubDate>Fri, 11 Sep 2026 14:27:00 +0000</pubDate>
				<category><![CDATA[Financial planning]]></category>
		<guid isPermaLink="false">https://howtofinancemoney.com/?p=28606</guid>

					<description><![CDATA[Working out how Malaysian investors can measure their ability to withstand market losses is less about choosing a label such as “conservative” or “aggressive” and more about answering one uncomfortable question: what happens to my life if this portfolio falls sharply and stays down for a while? A percentage loss is abstract. A RM80,000 drop&#8230;&#160;<a href="https://howtofinancemoney.com/how-malaysian-investors-can-measure-loss-capacity" rel="bookmark">Read More &#187;<span class="screen-reader-text">How Malaysian Investors Can Measure Loss Capacity</span></a>]]></description>
		
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		<title>What Is the Difference Between Risk Tolerance, Capacity, and Risk Required?</title>
		<link>https://howtofinancemoney.com/what-is-the-difference-between-risk-tolerance-capacity-and-required</link>
					<comments>https://howtofinancemoney.com/what-is-the-difference-between-risk-tolerance-capacity-and-required#respond</comments>
		
		<dc:creator><![CDATA[CF Lieu]]></dc:creator>
		<pubDate>Thu, 10 Sep 2026 14:26:00 +0000</pubDate>
				<category><![CDATA[Financial planning]]></category>
		<guid isPermaLink="false">https://howtofinancemoney.com/?p=28605</guid>

					<description><![CDATA[What is the difference between risk tolerance, risk capacity, and risk required? The short answer is that risk tolerance is your willingness to take investment risk, risk capacity is your financial ability to absorb losses, and risk required is the return related risk your goal may demand. They sound similar, but they answer three different&#8230;&#160;<a href="https://howtofinancemoney.com/what-is-the-difference-between-risk-tolerance-capacity-and-required" rel="bookmark">Read More &#187;<span class="screen-reader-text">What Is the Difference Between Risk Tolerance, Capacity, and Risk Required?</span></a>]]></description>
		
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		<title>How to Evaluate Unit Trust Funds in Malaysia Before Investing</title>
		<link>https://howtofinancemoney.com/how-to-evaluate-unit-trust-funds-in-malaysia-before-investing</link>
					<comments>https://howtofinancemoney.com/how-to-evaluate-unit-trust-funds-in-malaysia-before-investing#respond</comments>
		
		<dc:creator><![CDATA[CF Lieu]]></dc:creator>
		<pubDate>Wed, 09 Sep 2026 13:46:00 +0000</pubDate>
				<category><![CDATA[Investment]]></category>
		<guid isPermaLink="false">https://howtofinancemoney.com/?p=28591</guid>

					<description><![CDATA[Before committing money, I would evaluate a unit trust as a complete investment package: its strategy, underlying holdings, risk, benchmark, manager, and every charge that affects your personal return. That is the practical answer to how to evaluate unit trust funds in Malaysia before investing. A fund with an attractive return figure can still be&#8230;&#160;<a href="https://howtofinancemoney.com/how-to-evaluate-unit-trust-funds-in-malaysia-before-investing" rel="bookmark">Read More &#187;<span class="screen-reader-text">How to Evaluate Unit Trust Funds in Malaysia Before Investing</span></a>]]></description>
		
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