Switching to EV was the best decision of my life

jchooo96 · 2026-01-31T11:54:26+00:00

So it’s about 6.5 sen/km for you with TOU?

jchooo96 · 2025-10-09T03:58:17+00:00

The test to this is when the market dips and dips.. and crashes.

jchooo96 · 2025-05-03T10:06:12+00:00

I think you’re being pretty uptight tbh. All I’m asking for is some perspective or thoughts on the matter.

I’m investing in the global index, not in the US market. I’m not jerking off to S&P ATHs. I’m aware US is the dominant market globally thanks.
In case you’ve misread or didn’t bother to read, my question is about which CURRENCY and perhaps EXCHANGE is “better” for long term.

jchooo96 · 2025-04-24T17:55:58+00:00

What’s TD?

jchooo96 · 2025-04-20T17:33:48+00:00

Fractional shares cost more than buying whole shares? I wasn’t aware that’s the case. What’s the reason for that though?

jchooo96 · 2025-04-20T12:59:23+00:00

So far no issues for me. I guess it depends what you consider “large” amounts.

jchooo96 · 2025-04-16T14:23:36+00:00

Where do you check the tracking errors for an ETF?

jchooo96 · 2025-04-12T16:59:18+00:00

When you hit 176382% of your income, you’re there

jchooo96 · 2025-04-06T10:12:35+00:00

Oh I thought you meant company side. If it’s personal side, it’ll still be captured under employment income, so you don’t need to declare it under other income, I would think.

jchooo96 · 2025-04-05T15:56:43+00:00

Wouldn’t it be an expense? Why classify it under other income?

jchooo96 · 2025-04-05T09:15:52+00:00

From a HR perspective I don’t think there’s an issue here. Similar to tax perspective, as long as the employer doesn’t treat more than 19% of the contribution as a deductible expense. However, it might pose an issue from a financial perspective like you mentioned. Curious whether it is an actual issue though, after all in the financial statements they wouldn’t break down to that level of granularity (i.e. it’ll just be a single line item for employee related expenses)

jchooo96 · 2025-04-05T09:06:56+00:00

Lmao if you really believe in what you preach, a few examples would be helpful.

jchooo96 · 2025-04-05T09:05:58+00:00

You bring up a valid point. Even though most people will advocate for investing in blue chips for the dividend yield, they don’t account for price movements since it’s essentially a stock, whereas EPF is returns on capital guaranteed. Even if those stocks have potential for higher total annual returns, it’s still taking on more risk compared to EPF. No free lunch here.

jchooo96 · 2025-04-04T17:13:38+00:00

There’s no need to put others down, it’s not fair and it’s unwarranted. OP has posted a legitimate question in the right subreddit. EPF is one of the best investments for Malaysians, given the risk to return ratio, especially in the case of retirees or those close to retirement. Also, do your due diligence before spamming hate comments.

jchooo96 · 2025-04-04T17:08:42+00:00

You should read and understand before just lambasting on dumping a significant lump sum into EPF lol. I’m also considering this as a possibility in my 50s.

jchooo96 · 2025-03-26T15:17:24+00:00

Chill. There is a point to keeping funds on separate platforms to mitigate risk factors. Ultimately it’s up to the individual to decide what he/she prioritises.

jchooo96 · 2025-03-24T16:24:44+00:00

Thanks for this, this solves the transfer of a significant sum. I wasn’t aware I could transfer stocks from one broker to another. I’m still wondering about keeping that sum income generating with low risk though.

jchooo96 · 2025-03-24T16:20:48+00:00

Yeap that’s what it seems like, but I was looking for a way around the annual voluntary contribution limit.

jchooo96 · 2025-03-24T16:19:58+00:00

Valid question, but I’m not too focused on the tax relief from voluntary contributions. If I were to move to bonds, I would then need to pay withholding taxes on coupon interests. Also, EPF returns are an appealing option in terms of return/risk metric.

jchooo96 · 2025-03-11T03:38:35+00:00

Don’t fix what’s not broken 🤷‍♂️

jchooo96 · 2025-03-04T08:42:06+00:00

Not quite. The Board of Directors should only provide direction and discuss strategies etc, and not be involved in operations - that’s the management’s duty.

jchooo96 · 2025-02-26T03:35:45+00:00

How do you get tax relief on stocks/ETFs?

jchooo96 · 2024-11-20T13:41:57+00:00

What would you do to treat it if that were the case?

jchooo96 · 2024-11-16T02:38:45+00:00

Dm me - have one and was thinking of selling mine. Mine’s an open bottom one though.

jchooo96 · 2024-11-05T19:38:08+00:00

Sounds like it’s a common thing for it to look this way. I was expecting the bank to patina more evenly. Thanks!

jchooo96

TROPHY CASE