Practical finance tips, investment guides, and business insights for Malaysians — written in plain English.
Your EPF nomination overrides your will — no matter what the will says. ASB, meanwhile, has no nomination system at all. A full breakdown of how EPF, ASB, Faraid and the Distribution Act actually interact when you die, and the checklist that closes every gap.
Read Article →The 50/30/20 rule assumes take-home pay with no mandatory deductions. In Malaysia, EPF takes 11% off the top and Klang Valley living costs eat 60-70% of the rest — here's a budgeting split that actually fits.
EPF runs two completely different portfolios — a conservative, dividend-heavy Malaysian book, and a genuinely aggressive US tech portfolio disclosed only because US law forces it to. What Nvidia, Microsoft and EPF's Bursa holdings actually reveal about your retirement dividend.
Technology surged 47.8% on Bursa Malaysia before June's FOMC meeting — then reversed 3.4% after. REITs barely moved either way. A data-driven look at 2026's sector rotation, what strategists expect next, and what it means for dividend-focused investors.
EPF's 2025 dividend fell to 6.15% from 6.3% — but the payout hit a record RM79.6 billion. Here's why the rate dropped, where the money came from, and what it means for your retirement savings.
Gold fell 28% from January's $5,598 record to below $4,000 by June — then quietly posted its first monthly gain since February. Is the bull run over, or the healthiest kind of pause? A full breakdown of the drivers, the divergence between ETFs and central banks, and what every major bank actually thinks happens next.
EPF is your guaranteed foundation. PRS offers up to RM3,000 in tax relief but no capital guarantee. Here's the honest framework for which to prioritise, and in what order.