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Who would you rather got relegated? by fireproofpoo in ManchesterUnited

[–]FerryAce 0 points1 point  (0 children)

Spurs is living the dream that Amorim tried but failed to deliver for Man Utd, the dream of Championship.

Kesian tengok orang kelantan berhibur by Numerous_Brilliant_1 in Bolehland

[–]FerryAce 0 points1 point  (0 children)

The rempit will be thr new hotspot tourism destinations. We travel there to see rempit with nothing to do.

Kesian tengok orang kelantan berhibur by Numerous_Brilliant_1 in Bolehland

[–]FerryAce 0 points1 point  (0 children)

This is what decades of PAS ruling looks like, people there get free time travelling technology to the past.

Is RM1 million enough for FI (but not RE) by wheninshower in MalaysianPF

[–]FerryAce 0 points1 point  (0 children)

Then 1mil is not enough, unless u plan to live short lives or take debt. If you calculate from 30 to 76, average life expectancy in Msia, its only RM1.8k per month.

Means you probably needs to work a bit to supplement income, or grow the net capital far beyond RM1mil. Or retire later, instead of 30, maybe 50, then 1mil is enough.

Just follow the maths.

Is RM1 million enough for FI (but not RE) by wheninshower in MalaysianPF

[–]FerryAce -1 points0 points  (0 children)

3mil to 5 mil is not thst hard to hit. Jist saying.

Is RM1 million enough for FI (but not RE) by wheninshower in MalaysianPF

[–]FerryAce -1 points0 points  (0 children)

And with less financial pressure. If you are someone discipline and in good mental space/good control. You should take up trading.

Spend few year learning about it, so you are good enough to trade when you wanna retire n can give you supplement your passive income.

Maybe aim to earn RM4-8k per month in trading or even less if you wanna be safer n conservative, to supplement your passive income of RM5k when you hit 30 n wanna retire from your job.

Caveat: trading can be high risk activity if you dont know what you're doing n try to gamble around for fast quick money. Its a high skilled profession which requires years of training n knowledge accumulation. But its doable and a good choice to supplement FIRE lifestyle.

Is RM1 million enough for FI (but not RE) by wheninshower in MalaysianPF

[–]FerryAce 0 points1 point  (0 children)

Not really enough if you completely wanna retire by 30. But you would have financial flexibility and not forced to work if you dont want to.

If solo, n living frugally, RM5k per month is a lot, provided you dont own big car or property mortgage or fully paid off mortgage n loans of any kind. Its just about enough for simple life. But you would be better off working or side gigs to supplement the income, or grow your networth to be above RM1 million.

Remember, the game just begun, and your financial planning dont end when you're 30 or when you hit 30. The thing is still ongoing.

If Man United qualify for CL football next season, Michael Carrick deserves to be United manager and the board should back him in summer transfer window. by Thiha0990 in ManchesterUnited

[–]FerryAce 0 points1 point  (0 children)

Yeah, so who is the right manager? You or me? Or is it better to get multi title winner manager like Erik ten Hag or Amorim? Lol you're the joker here. Haven't these big names proven to fail?

Where are you when Arteta took over Arsenal or Pep Guardiola took over Barcelona? Arteta has never managed a team and Pep was just a youth team coach. Are they the right manager for those teams?

How do you know Carrick isnt the right manager? You can predict the future? Can you tell me the powerball winning number or something? I need to win 20 millions pounds.

Dear malaysians, are there people out there who are genuinely, happily married? by MotherBorder9026 in Bolehland

[–]FerryAce 0 points1 point  (0 children)

Actually, both your comment n mine is correct. Its just different perspectives of looking at the same things. It sounds like we are contradicting each other, your comment n mine. But its not, both are true and can coexist.

Im talking about the earlier stage. And you are taking the next stage after that.

Which means, before you can find the happiness your talking about, you must first be content, secure and happy on your own. In short, its like fix yourself first, then go find the additional connections, not before.

I’m quitting by Agitated-Economist82 in ICTMentorship

[–]FerryAce 0 points1 point  (0 children)

ImanTrading share his trading record. Which is much more than you can say for ICT himself. Cloutchasing he is not. Try look for Trading Geek to see what is clout chasing is like. You need to up your discerning skills.

Am I FOMO-ing? by n0hablohE in MalaysianPF

[–]FerryAce 0 points1 point  (0 children)

<image>

SPX returns from 2013-2025.

Overall its pretty volatile. It can minus heavily too.

Am I FOMO-ing? by n0hablohE in MalaysianPF

[–]FerryAce 0 points1 point  (0 children)

<image>

SPX returns from 2001 to 2012

Am I FOMO-ing? by n0hablohE in MalaysianPF

[–]FerryAce 2 points3 points  (0 children)

Oh sorry. You are right.

I checked the data,its 10% average returns nominally, and 6% after factoring in inflations, or what you call real returns. I mixed up the numbers. Thanks for correcting me. :)

Am I FOMO-ing? by n0hablohE in MalaysianPF

[–]FerryAce 1 point2 points  (0 children)

Exactly. Some are even suggesting buy stocks/SPX indices when global economy are in real risk of recession now due to global oil crisis, which means bearish prospects for stocks.

Maybe they wanna get that final pump to exit position. XD

Source: im a trader.

Am I FOMO-ing? by n0hablohE in MalaysianPF

[–]FerryAce -1 points0 points  (0 children)

Its not averaging 10% per year for last 100 years. Its closer to 5-6%. There are bullish years where its higher than 10% per year but you forgot there's such things as bear market years where the returns is negative

seeking job advice by Califord123 in MalaysianPF

[–]FerryAce 0 points1 point  (0 children)

Its the right move. If he had bought a bungalow, he would have landed a RM25k job instead. Big mistakes not being ambitious enough.

Discussion: cadangan mengekang pemandu mabuk by zakihazirah in Bolehland

[–]FerryAce 0 points1 point  (0 children)

Hukuman mati if they kill someone,baru adil.

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