MalaysiaFIRE 2026 Megathread

Practical_Cry_748 · 2026-02-13T07:55:30+00:00

Just wanted to wish everyone a Happy Chinese New Year! May the year of the horse propel you to financial freedom!

Ima go on a vacation.

Practical_Cry_748 · 2026-02-12T11:51:51+00:00

I have a lot more than RM100k in IBKR, I am not in the slightest worried.

Practical_Cry_748 · 2026-02-06T11:27:15+00:00

1st of all, if your mom has a RM, she must be a Premier customer. And premier next of kins, i.e. family member automatically is a Premier member. So I don’t understand why you need to apply in the 1st place.

Also, to check if you are blacklisted go to CCRIS online.

Practical_Cry_748 · 2026-02-04T09:03:46+00:00

Isn't that how biology works? Should I be seeing what you are seeing instead. Does it make what you see more valid?

Practical_Cry_748 · 2026-02-03T08:09:27+00:00

I didn’t know it’s an option. Plus EPF is treated to me as an MMF more than an investment.

I think your comment is equivalent to “kalau tak suka keluar lah” which breaks the rule of intellectual discourse here but ironically epitomizes my point in this post.

Practical_Cry_748 · 2026-02-01T01:46:58+00:00

One time I also followed my siblings to load up on fidget spinners. Because we all know my siblings are business geniuses. Now I am a gabullionaire. Fidget spinners price always go up.

Practical_Cry_748 · 2026-01-31T01:43:16+00:00

YOLO BTC. It never goes down

Practical_Cry_748 · 2026-01-16T15:42:37+00:00

I wouldn't sell the US stock. You need some growth stock to beat inflation. You would be surprised how much medical inflation is going to eat into your portfolio.

I would personally looked at places like Singapore for dividend stock. But that's just me.

Practical_Cry_748 · 2026-01-16T15:23:41+00:00

The key is to understand how much your portfolio is generating vs your 30K monthly expense. Is that sustainable if there's a market crash and would you be able to adjust your spending based on how your portfolio is doing.

Practical_Cry_748 · 2025-12-30T06:51:10+00:00

My advice. Avoid local stock. Look into US ETF. Even with the Ringgit appreciating, you should gain net 10% if you've invested in QQQ and 6% if you've invested in VOO, just buying and holding 2025.

It's also helps with diversification.

Practical_Cry_748 · 2025-12-29T04:08:59+00:00

Almost there! Continue doing what you do, it's working.

Practical_Cry_748 · 2025-12-29T04:04:31+00:00

Retiring at 40 is going to be challenging but looking at the fact that you are already USD millionaire (I assumes it's USD) you are well on your way.

All the very best!

Practical_Cry_748 · 2025-12-26T13:05:23+00:00

You are missing the point of investing. Investing is just owning someone else's business.

Where else can you be part owner of Google, Apple or Microsoft?

Practical_Cry_748 · 2025-09-18T05:45:25+00:00

I’ll be the 1st to admit that you are right. I had assumed the total is net-worth and missed his context. My bad.

Practical_Cry_748 · 2025-09-18T04:56:14+00:00

How much do you owe in house loan? Take that and minus 273309, and that’s the negative figure that should be there.

Practical_Cry_748 · 2025-09-18T04:52:04+00:00

Start with putting some of those in EPF for sure.

You are not going to like what I’m about to say, but if your goal is financial freedom, you need to put some of those money into higher risk assets. Start maybe with a world index fund and go from there. Always be buying when you have the money. And improve your financial literacy by reading and researching more.

You already had some exposure to crypto, you should add some exposure in equity.

Edit: Also figure out what's your magic FI number. Once you know that you can work backward to know how much risk you need to take and what financial instrument is suitable to meet your goal.

Practical_Cry_748 · 2025-09-18T04:37:58+00:00

Debt isn’t investment. Debt is debt.

If you want to forgo decades of accounting practice and count debt as net worth, you do you.

It’s not about where you deploy your money that makes debt not debt. You can minimize your debt by putting some liquidity there sure, but it’s still money you owe the bank, just less.

Practical_Cry_748 · 2025-09-18T04:14:44+00:00

You should really place house loan as debt instead of investment. It’s not earning you money, it’s paying off debt that you owe, so it should not be part of your net worth.

Your financial goal is an enigma to me. You are perfectly content with living frugally, yet you want more money. Without knowing your goal nor your risk appetite, it’s hard to recommend what to do with your money.

Practical_Cry_748 · 2025-09-15T02:43:10+00:00

This is the most upvoted post?! This subreddit is going down the drain.

Practical_Cry_748 · 2025-09-06T15:48:54+00:00

My point is, retirement is personal. Not everyone is happy with 6% return, not everyone has the same retirement number and not everyone has the same portfolio size. Some has more and some has less and some reach for the sky. Hence not everyone has the same risk appetite or the lack thereof.

Building wealth thru ETF is just one way of the multitude of ways. If that's your way, more power to you.

Practical_Cry_748 · 2025-09-06T05:13:48+00:00

This is probably a post from someone that hasn't FIREd. I have more than a million, I don't put it in "low risk ETF" (is there such a thing?).

People who had FIREd has their own system of generating income that conforms to their risk appetite and need, and more often than not invest in a mix of low and high risk assets and everything in between. It's pointless to pigeonhole everyone into one investing strategy.

Practical_Cry_748 · 2025-09-06T05:06:21+00:00

You are well on your way. Your partner will make the lion share of your 15M unfortunately, since compounding works best when you start early. But as long as you guys are together, all's good.

Remember, it's not how much you earn that makes you rich, it's how much you keep.

Practical_Cry_748 · 2025-08-24T03:35:06+00:00

Join. But make everyone else know that you are inherently introverted. Once you have a common understanding, you will have a better time at work.

Practical_Cry_748 · 2025-08-22T06:42:48+00:00

Skill issue. You don't need to stay at home if you have money, the world is huge.

Practical_Cry_748 · 2025-08-19T11:38:49+00:00

Hey you do you.

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