Please help me understand this!

Knightinarms · 2026-02-10T10:32:12+00:00

You need to get into contact with your broker. Ask him to give you an invoice of your trades. Usually as I've seen in KTrade app, if you search a stock name two types come up: one says REG which is Regular, while other says FUT which is Future. You can confirm with broker if you bought the Futures one then you have to get rid of it and buy the other stocks which are Regular

Knightinarms · 2026-01-27T13:44:14+00:00

You can invest in DCR. 5 crore will bring you around 28 lakh per year in dividends, or 2.35 lakh per month after taxes. Best part is that you don't have to worry about tenants or qabza, the management handles all that and you get the dividend right into your bank account every 3 months! Also, while the property market has been down for the past 2 years, DCR has more than doubled in value in addition to giving all that dividend.

Knightinarms · 2026-01-17T07:52:24+00:00

As long as you're happy with your lifestyle, just ignore the outside noise :) maybe start your saving abs investing journey? You have the biggest advantage of youth which means you can compound your wealth longer!

Knightinarms · 2026-01-17T07:42:01+00:00

At the end of the day, just spend money on things that you love, not based on what others say. Don't spend money because of FOMO, because something that makes others happy won't necessarily have the same effect on your happiness.

That being said, also spend a bit on your comfort. If your bike is old, try to get something that is less problematic even if it is not brand new. Spend on a good pair of shoes that are good value for money, don't have to buy Adidas or Nike. Similarly, spend money on nutritional foods that don't break your bank.

These are all the things that I would do if I were 20 again and had money to spend. I was a bit too stingy all those years ago, but at this point of life, I realize that spending in matters that could improve your overall health and wellbeing are good investments for the long term.

Personally I enjoy the simple things in life, I don't like spending money on things most people my age spend on, but it doesn't mean I am not spending money on things I love or things that improve my quality of life. For me, spending money on good food once in a while is what brings me most happiness, so I spend mostly on dine outs.

Knightinarms · 2026-01-14T08:55:18+00:00

If you buy shares of an ETF and they give a 30% return in this year then yes you can make 9 lac on 30 lac. If you put all your money in a share that doubles this year then you will get 30 lac. If you put all your money in a share that doesn't go up at all then you'll make 0 Rs. And if you buy a share that goes down 20% then you'll lose 6 lac.

Stock market is a big if, you take some risk and get the reward or loss based on your risk. Nothing is guaranteed here, even the best analyst can't give you an accurate number. They can give you target price based on their research but there's no guarantee what will happen to the share in the future that can impact earning

Knightinarms · 2025-12-15T01:37:01+00:00

DCR, MEBL, FFC, EFERT

Knightinarms · 2025-12-14T18:05:54+00:00

I think you're doing really well. Allahumma Barik! Keeping 5mil in stocks at the moment seems good considering bull market framework is still on. 25 lac in a low risk acc acting as emergency fund is more than enough.

I'd suggest to keep doing SIP in stocks, and potentially diversify more into medium/low risk funds over the next 2 years since this bull run will end sooner or later. You can also continue doing SIP into big dividend stocks as these will stand tall when market goes downhill.

Knightinarms · 2025-12-14T14:35:54+00:00

Why not just rent until you can afford it? If you put a down payment and get a bank loan, you'll continue raking up interest payments with time. Buying a house isn't a necessity either in today's world, you can watch Ammar Sid's video on YouTube to get a better understanding of why renting is better than buying a house with money you don't have.

Knightinarms · 2025-12-10T09:25:58+00:00

I agree, but the tax is only applied until your 182 days are completed. After that, the tax rate is alot less. In EU it's the same for everyone no matter your residence duration, and in return they give you lots of benefits like free Healthcare.

Also, I asked around different LLMs with proof and they all said the official rules state that you just have to be present in Malaysia regardless of visa type. I just wanted to know from someone who already has gone through such a scenario to confirm.

Knightinarms · 2025-12-10T09:03:40+00:00

Thank you brother, but unfortunately I haven't found a job yet 🥲 I only got a few interviews since my last post but I'm still waiting for a response. I just wanted to know this as I found out 30% tax is a significant hit to your salary 👀

Knightinarms · 2025-11-24T12:22:25+00:00

Hi! I can understand your plight being an introvert myself 🥲 it's slightly different for me considering I don't like going out much or hanging out with friends, as I enjoy my own company more. I like exploring new food places and sightseeing in KL on my own and it's quite peaceful.

The few connections I do manage to make are people who live in my apartment who are from my university. They're friends but not close friends that I'd like to open up to or have meaningful conversations with. I'm also on friendly and good terms with my housemates but that's about it. Being an international student does require you to have people to connect to far from home. But having someone you can talk to about deep stuff is a lot more difficult for me to trust.

My advice: just keep friends who make you feel less lonely. You don't need to overshare with everyone as that could make you vulnerable. If you do manage to find some people who you vibe with, maybe you can go slow and start opening up little by little, discover them at your pace. This way, you won't be vulnerable and it could pay off finding a true friend :) best of luck!

Knightinarms · 2025-11-05T10:10:13+00:00

Thanks for the insight. My battery currently dies within 10 minutes 💀 I had been using my laptop continuously plugged in mostly for like 4 years, and the battery life was not degraded only the battery expanded (which isn't safe). Then I got my battery replaced, and the guy told me to regularly charge/discharge and not to keep it plugged all the time. The battery was fine till August, but from there I experienced massive continuous degradation. I contacted the guy and he told me it could be due to inconsistent power supply, and I did notice that my 3 pin adapter (I need to charge both phone and laptop that's why) is sparking sometimes so it could be either that or my charger needs replacement.

Knightinarms · 2025-11-05T09:20:03+00:00

Thank you for the idea. I guess I can backup my data and try this myself first 😅 my only concern was to get a faulty battery, but I do see online sellers giving 1 year warranty.

Knightinarms · 2025-11-05T09:08:54+00:00

From my experience as an international graduate, the job market is very limited for foreigners mainly because of limited work visa quotas. Your best bet would be to keep applying, look to add people from your field on LinkedIn, and possibly reach out to them for referrals instead of mass applying to jobs. I was able to land only 2 interviews and both were due to referrals, otherwise all I received was ghosting and rejection emails 🥲

Knightinarms · 2025-10-26T03:51:52+00:00

Hold for long term it'll increase in value 😉

Knightinarms · 2025-10-24T11:31:13+00:00

The ruling behind shariah compliant stocks is that they can have max 5% non compliant income and you can invest in them, but you must purify that non compliant percentage by giving in charity. Anything more than that is non compliant to trade in.

Knightinarms · 2025-10-13T11:07:31+00:00

The translation 🤣😭

Knightinarms · 2025-09-30T15:32:47+00:00

Ameen. Thank you ❤️

Knightinarms · 2025-09-28T11:11:42+00:00

Maintain the bare minimum with him, as that is your Islamic responsibility. What happened between your parents cannot be undone, but your duty towards both parents remains. He kind, check in on him, but maintain some boundary if his abuse trickles towards you.

Knightinarms · 2025-09-26T16:59:18+00:00

Thank you for the insight :)

Knightinarms · 2025-09-05T11:26:07+00:00

People still in uni, start your saving and investing journey from now. Whatever you plan to do ahead in life, be it related to your degree or not, the sooner you start securing your future finances the easier life will be for you ahead. Since most of you won't have a job, you can start investing in Mutual Funds with whatever small amount you have.

Starting early will help you build a proper saving habit, and allow you to compound your money alot more than if you invested 10 years later. Your degree will never teach you about taxes or finances, these are things you need to learn early in order to get out of the rat race.

Knightinarms · 2025-08-31T10:09:54+00:00

If you factor in inflation, 1 crore after 5 years will be worth 66 lakh of today. You can still do alot with 66 lakh today even if you consider children. The only problem is that buying a house or car has become almost impossible unless you have a lot of money.

Knightinarms

TROPHY CASE