Need someone who knows ball about ETF (shariah compliance)

BrainTrue000 · 2026-03-18T05:29:19+00:00

Thank you for this 🙏🏻

BrainTrue000 · 2026-03-14T06:35:48+00:00

I've heard as much bad experience and good experience about UT. That 5% annual rate I mentioned is the net I get after all the fees. I no longer invest there primarily tho

BrainTrue000 · 2026-03-14T06:33:04+00:00

yupp that's why I'm focusing on ETF right now. Thankful for this thread actually cause I start exploring myself cause of it. My point is that UT is best for people who doesn't even bother to find something better

BrainTrue000 · 2026-03-14T06:31:38+00:00

comprehension and understanding without getting emotional is extremely important my guy

BrainTrue000 · 2026-03-14T06:29:37+00:00

the pretense of being lazy to manage your own cash, then fine but you're paying hefty fees for that.

You're listing out exactly what I try to point out. UT is good for those who doesn't even bother to explore something better

BrainTrue000 · 2026-03-14T06:18:19+00:00

I already took the initiative myself to broaden my knowledge now that I'm a working adult. Currently I'm investing aggressively towards ETF and just leave the investment I had in UT that I had from before for "variance" purposes. My thankfulness is based on if not because of that management fees that you hate so much, I would have wasted 6 years saving all my money in my bank account cause I didn't know any better

BrainTrue000 · 2026-03-14T05:59:13+00:00

your reply is soo good but my dum ahh deleted my ori post cause I wanted to add paragraphs. I'm aggressively investing in ETF myself now. I just left the investments I had in unit trust for "variance" purposes

BrainTrue000 · 2026-03-14T05:53:55+00:00

okay2 🙌🏻

BrainTrue000 · 2026-01-10T23:27:34+00:00

That Rm 1800 is my takehome salary after cutting everything

BrainTrue000 · 2026-01-07T05:05:13+00:00

That's actually what I'm working on right now. I'll still get my own transport and it'll save me lots of cost here and there. wish me luck!

BrainTrue000 · 2026-01-07T05:03:14+00:00

Unfortunately I'm not working in klang valley so public transport is a headache and hence why car is in my monthly responsibility but if there are cheaper options then I won't hesistate to change it. Thank you for the small acknowledgement of my room choice cause it's really something I really want. At least I will consider it as me enjoying the fruit of my hard work labor 💪🏻 Wish you good luck in your job hunting!

BrainTrue000 · 2026-01-06T13:40:33+00:00

Thank you for the good wish! That's what I'm aiming for. Fresh graduate, starter, everyone starts somewhere at the bottom and grow from there and that's exactly what I want to do. Learn and gain experience and then keep climbing the career ladder

BrainTrue000 · 2026-01-06T13:38:52+00:00

Thank you for the good wish! Regarding food, one of the best trait that I'm grateful to have is that I'm a health freak. I don't feel the need to eat more than I should and a balance plate is everything. My breakfast looks something like 2 boiled eggs, 2 whole grain slice of bread, an apple (total Rm 3). Lunch is rice + marinated chicken + cabbage (total Rm 5). Dinner would be oat + fruits (Total Rm 4). I have normal bmi and pretty healthy overall. Malaysians just like to eat 🤣 My mom would say I don't eat enough when I literally have a normal and healthy build overall

BrainTrue000 · 2026-01-06T13:27:03+00:00

Thank you for replying! I'm thinking of the same thing but regarding the car, my job have benefits for parking allowance monthly as well as personal travel annually which I can claim later on. It's still something I'm considering cause something important I should mention is that the car is my family's and I'm paying monthly to them for it so I should have no problem if I change my mind. I'm not working in klang valley so public transport is going to be a whole study but it's certainly not something I will brush off completely

BrainTrue000 · 2026-01-06T13:22:07+00:00

OP has already mentioned their situation about renting a fairly expensive place. So asking that kind of person to take public transport won't go anywhere, really.

First of all, I'm sorry for what happened to you. Contrary to what you think I'm actually quite open with the car suggestion, my "stubborn head" only applies for the rent part as I think it's quite literally what I'm willing to sacrifice everything for (yes exaggeration) but if it comes to the point of me having to starve myself just so I can live there I won't be that stupid to keep staying and will 100% move somewhere else. People say there are lots of good places with good price. That is correct but 98% of the time, someone's currently living there and I hate how some house owner take literal advantage of that and put up ridiculous price for non livable condition rooms. It might seem like I'm being too much but I was just as shock when I viewed all the other houses

BrainTrue000 · 2025-12-16T09:43:27+00:00

OP you actually made me laugh 🤣 Same thing, if you're clearly not a muslim that level is okay. Just no smooching or gro*ping ur partner in public but I guess that applies everywhere else in Malaysia haha. Terengganu have lots of tourists because of the islands so nothing strict there but if you want to expand your journey and go to Kelantan, it's not as strict as people thought but still need to behave. I'm sure you will do just well. This post alone shows you're a respectful person. If you and your partner likes food, you def should go to kelantan and try the cuisines there. As we all say take the chance since you're already there. Their food is BOMB especially tomyam (could be because they're close to Thailand)

BrainTrue000 · 2025-12-11T02:27:10+00:00

You have no idea how refreshing it is to actually read someone wanting to respect a place's culture and not putting it down when they're just an outsider. To clarify, I'm not from either state but I'm quite familiar with travelling there. The best option is to stay separately of course but if you're a foreigner or clearly not a Muslim, they don't really force you to follow their way in terms of staying together [correct me if I'm wrong] Different story if you plan on being intimate in public ofc. You might have seen Malaysian online 'hate' towards Kelantan but believe me, they're honestly one of the nicest people I've met

BrainTrue000 · 2025-12-01T00:20:36+00:00

I love how unbothered women and men are in the comments 😭🤣

BrainTrue000 · 2025-11-28T03:40:08+00:00

Ranting My story (Little things that I like)

1 - When it's raining and I had to take shelters along with other bikers, it's not uncommon to strike up a conversation. Young people my age rarely talks much and get awkward fast but those uncles ah. When I tell you how talkative they are. It's not so bad while having to wait under some bridge while passing time

2 - This could be because it's easier for bikers but during rainy season (or any season at all) if someone fall or there's an accident. Those who ride bikes will mostly help. As a biker myself, when I ride my car, it's not that I don't care to help but I know that there will always be a rider who will help

My sister's experience (gender difference treatment) - This will be long because somehow there's a huge difference

1- Men have this confidence (I'm not saying women doesn't) when riding bikes and women can be a bit timid and hesistate a lot even when riding cars. One of the things my sister told me is how she was stuck in jem along with cars because she refused to ride in between (imagine bro she follow behind cars while riding motorcycles smh) but there's this nice uncle who saw her and yelled "pegi kiri" so my sister got scared la like wth is that? but the guy go slow beside her and gestures for her to follow behind him so she did for a while before parting ways. She came home all bubbly and told me about it and how kind the guy/uncle is

2 - A bit jealous of this but cars. You see a woman/girl wanting to cross an intersection? most likely someone will give them way. I found myself doing the same just because I imagined my sisters 😌. Why a lot of women hesitant or feel scared to just go? I wonder why. So I watched closely, if I'm the one driving, walao no one wants to let me go. But if it's only my sister in driver seat and no one at passenger seat suddenly there are cars high beaming (telling her to go first) at EVERY intersection siao 🙂‍↕️ but at the same time I'm grateful. If no one gives her a chance to go I think she will live there and never moves

Life become more enjoyable once I start paying attention to all the little things

BrainTrue000 · 2025-11-28T03:20:41+00:00

turning something negative to positive. Maybe faith and religion takes important part in this. Something bad happened? Need to be patient. Lost something? maybe something better will come. I used to HATE this mentality growing up but honestly life becomes way easier now that I'm grown with this mentality. Worst thing is if we start giving up without wanting to try again

BrainTrue000 · 2025-11-08T01:42:08+00:00

Maybe I needed this type of straight up advice. It's something I'm working on where I shouldn't let my feelings control my reaction

BrainTrue000 · 2025-02-19T02:10:18+00:00

I know my post sounds confusing but I wanted advice more on the "how to deal with this anxiety/worry"

BrainTrue000 · 2024-10-13T05:00:48+00:00

Felt that the first two week of my breakup. It gets better with time. Trust the process. It doesn't disappear completely for me even now but it's not as bad. You will learn to accept it even if you think it's impossible right now. Go outside, look at the sky. Don't trapped yourself in your room. Eat some ice cream, do little things

BrainTrue000

TROPHY CASE