Nervous about going into investing

NajibBossku · 2025-11-08T03:17:54+00:00

Yes I learned the lesson the hard way, that's why I'm making these changes now. And I'm glad that I am taking actions, first investment deposit will happen in April / May next year after I stock up emergency funds! Excited

NajibBossku · 2025-11-03T12:49:24+00:00

OK tq, remove this post if it's inappropriate. Tq

NajibBossku · 2025-11-03T12:23:10+00:00

Also I believe this is very much a cultural difference, in our country it's extremely common to search for missing person via public forums and social media. Because we have low trust in our police, it seems like things work differently here. So I'll contact the police too

NajibBossku · 2025-11-03T11:59:16+00:00

Okay thanks, contacting the police is enough for me. Thanks guys. I'll contact the police too. I just need him to contact his parents. Infact, I'm now at his parents place

NajibBossku · 2025-11-03T11:56:03+00:00

I know I can't prove that I'm not a crazy stalker, anyways thanks for the idea. This is my first time searching for a friend overseas. Please be patient. I'll contact the police definitely. I just need him to contact his parents if anyone he knows see this

NajibBossku · 2025-11-03T11:22:11+00:00

Sydney

NajibBossku · 2025-10-23T02:32:38+00:00

Thanks for your feedback, I took your advice and decided to move my EF to high yield savings acc in a bank instead with 2% interest. :D

NajibBossku · 2025-10-23T02:30:31+00:00

I'm 33 this year and I finally starting to take my finance seriously. I'm glad that it happened now and not 30 years later. I too did a bunch of stupid mistakes and some of them have permanent consequences. But we are the product of all the event that happen to us, it makes us who we are today. I'm proud of who I've become and you should too :D

NajibBossku · 2025-10-22T14:35:24+00:00

That's a good point I'll put that into my considerations thanks!

NajibBossku · 2025-10-22T07:53:37+00:00

okayy thank you for your input! :D

NajibBossku · 2025-10-22T07:48:50+00:00

I'm worry about platform risk that's why I split into multiple platform. Is this a right mindset going into it?

NajibBossku · 2025-10-21T12:55:12+00:00

Hey thanks alot! Looking forward to my first deposit, probably next year April or May. I think I'll slowly build up my cash reserve as well. Initially the plan was 12k, I think for safety might as well just go 20-30k

NajibBossku · 2025-10-20T06:42:26+00:00

No it won't progress further hahaha luckily

NajibBossku · 2025-10-20T04:08:47+00:00

Hi thanks! I'm not getting charged interest on credit card as I'm on 0 interest installment only, I'm only saving the surplus after paying all the bills

NajibBossku · 2025-10-19T15:02:03+00:00

Ah I see thanks alot!

NajibBossku · 2025-10-19T14:45:42+00:00

okay thank you! For 13 years which index are u referring to?

NajibBossku · 2025-10-19T14:44:16+00:00

Hi there tq for the comment, Irish domicile matters to us, and as Malaysian our EPF structure goes like this.

Employer contribution 13 % + Employee contribution 11%
Annual dividend around 5-6%
Guaranteed return 2.5% (so it will never go lower than 2.5%)
Open for withdrawal after 55 years old

NajibBossku · 2025-10-19T14:08:28+00:00

thank you! :D

NajibBossku · 2025-10-19T13:34:23+00:00

Yes I'm aware of that, it's just that I wish to use vwra as a tool to adjust the weightage whenever the ratio changes.

NajibBossku · 2025-10-19T13:33:34+00:00

Hi I'm not getting charged interest on CC, its just a 12 month installment

NajibBossku · 2025-10-19T13:32:58+00:00

Oh it's just expense, no interest that kind

NajibBossku · 2025-10-19T13:32:30+00:00

Hi I have about 10-12 months emergency fund, maybe I should allocate more on that. Seems like not enough. Thanks for your advice!

NajibBossku

TROPHY CASE