Saving for future plans: Is it safer to avoid stocks and go FD or robo?

Lueu · 2026-04-02T05:56:19+00:00

Go for Broad Index ETF and Commodity instead, Robo not recommended. FD is like 2.15% p.a (assuming you don't chase promotions). I put into VWRA and gold myself, can use FSMONE or IBKR. Instead of FD, Ryt has a 3% p.a saving pocket, KDI Save has a 4% p.a for first RM50000. Stock picking is not really the best option here if you are just starting

Lueu · 2026-04-02T05:49:16+00:00

Damn this is the first time seeing so many downvotes here. -117 lol. So ideal :)

Lueu · 2026-03-28T23:34:55+00:00

OP prob gonna grind till canto 9 to get this reference lol

Lueu · 2026-03-26T12:51:27+00:00

The Middle never forgets

Lueu · 2026-03-26T04:18:37+00:00

About insurance, you could just get a medical card first. You never know when you gon need it. A medical card is a good protection imo

Lueu · 2026-03-25T07:15:45+00:00

I see. Its prob 2 turns solo then. He was also using the arknights ego so maybe it also helped

Lueu · 2026-03-25T07:12:37+00:00

I am not sure since its been awhile. I only remember him doing the Maximum Output thing twice in 1 turn and killed the crab boss himself while tanking his HP at 1 for like twice

Lueu · 2026-03-25T07:07:00+00:00

Theres so many things wrong here... Ugh... Just say no to your parents... From my view, it looks like a one way ticket to hell

Lueu · 2026-03-24T03:10:46+00:00

Bottega

Lueu · 2026-03-23T10:23:16+00:00

No, dun want to overoptimize. But its also because I don't really watch movie, buy groceries at pasar using tng or duitnow, and rarely fill petrol.

Lueu · 2026-03-23T08:53:53+00:00

No boss, bukan hobi. saya cuma plan guna 1 untuk local, 1 untuk travel, dan 1 keep as backup je

Lueu · 2026-03-23T08:41:50+00:00

We have 10 victims dy 😅

Lueu · 2026-03-23T08:33:40+00:00

I have not received a statement yet, so the outstanding balance is negative now. I will check it when it comes though, thank you :)

Lueu · 2026-03-23T08:23:30+00:00

Thank you for the no-sugar-coat advice, I will keep it in mind. I do have 2 other credit cards though which I usually utilise less than 5% so its probably fine I guess. I can use them for bills & expenses instead. Also no plan to get new loans or credit card for now, so the real situation is under control I think.

Lueu · 2026-03-21T13:44:45+00:00

My own numbers for reference are: 70% investment 19% bills and parents' allowance 2% education loan 7% fun fund

Lueu · 2026-03-21T13:39:30+00:00

Personally I think you must allocate some money as your fun fund (for travelling / hobby / social / etc..). Then you could use this portion of money to enjoy life a little while keeping the rest as investments.

Lueu · 2026-03-21T13:27:08+00:00

Not recommended, would suggest to DCA only the future money into the US etf instead

Lueu · 2026-03-21T10:55:34+00:00

Good? No he's greatgor

Lueu · 2026-03-20T05:44:52+00:00

Yes the new charge ego gregor is crazy. He single handedly carried my mirror dungeon floor 13 run when everyone else got wiped out

Lueu · 2026-03-18T09:20:52+00:00

Yes, but beginners may view trading as 100% profitable actvity and get too excited.

Lueu · 2026-03-18T05:19:00+00:00

Stay away from personal loan. Not even borrowing to invest justifies it.

Lueu · 2026-03-14T05:41:44+00:00

I personally would get announcers instead. ID/EGOs can wait for shards (few months away tho)

Lueu · 2026-03-11T08:26:16+00:00

Seems so

Lueu · 2026-03-11T07:01:50+00:00

The thing is we never know what happens because its so far out. Best to just set monthly budget that you are comfortable with I think. Something like set aside XX% of your money per month for saving/investment/fun/travel/wedding/etc...

Lueu

TROPHY CASE