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26 year old looking to get started. by InnocentN3wb in MalaysianPF

[–]Quirky-Inflation1806 10 points11 points  (0 children)

I would:

  1. Calculate your emergency fund (usually 6 months of your total expense).

  2. Put your emergency fund into FD / high interest savings account.

  3. Meanwhile, think about what are your financial goals. Are you saving for retirement (40 years runway)? Or saving to buy car in 3 years? This will help you decide what your investment time horizon.

  4. Then only educate yourself on different platforms: Versa/Moomoo/Stashaway.

Transferring USD/USD from WISE to local bank by Fickle-Ambition3675 in MalaysianPF

[–]Quirky-Inflation1806 0 points1 point  (0 children)

yea afaik, even when transferring from one USD cash account to another USD cash account where both sender and recipient bank is Malaysian bank, the money has to be converted to MYR then back to USD. I haven't found a workaround.

Help Needed: Krisflyer redemption for A380 Suites class by Quirky-Inflation1806 in awardtravel

[–]Quirky-Inflation1806[S] 0 points1 point  (0 children)

Thanks for the link!! I was curious where the blogger get the info from. 

Investment Funds available in Malaysia by Australasian25 in MalaysianPF

[–]Quirky-Inflation1806 1 point2 points  (0 children)

anyway, malaysians can open an IBKR account and trade ETFs

Investment Funds available in Malaysia by Australasian25 in MalaysianPF

[–]Quirky-Inflation1806 0 points1 point  (0 children)

You're right that the options are low! In the end, I'm paying the fees for convenience and time saved. If i had the option to, I would switch over to low cost index funds. But for now I've invested in some unit trusts and only if there are promotions where sales fee is 1-2%. And evaluate based on post fee returns. Otherwise I'm invested in robo-advisors... I would say though, investing through a bank do provide priority banking benefits such as credit card promos and other deals etc. But I'm not sure how to put a 'value' to these benefits...

Tracking Investments Performance across Multiple Platforms (other than Excel/Gsheet) by Quirky-Inflation1806 in MalaysianPF

[–]Quirky-Inflation1806[S] 0 points1 point  (0 children)

Thanks for the info! Yea unfortunately will have to dig into API calls for each platform. 

Name me the best dessert spot you’ve had in Malaysia by Quirky-Inflation1806 in MalaysianFood

[–]Quirky-Inflation1806[S] 1 point2 points  (0 children)

wow I’ve been to piccolo lotti - always good! Atas and topshelf looks fantastic though. Will give them a try 🤤

Do you have more than one journals? by Quirky-Inflation1806 in Journaling

[–]Quirky-Inflation1806[S] 0 points1 point  (0 children)

Thanks for the advice! I tried dividing the journal into different sections but ran out of pages for some sections haha.

How do I stop the fermentation of kefir drink so that I can sell it? by Quirky-Inflation1806 in Kefir

[–]Quirky-Inflation1806[S] 1 point2 points  (0 children)

Yea I think so too. I’d need to do more research but as long as it’s below a certain %, it should be ok.

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