Physician Untold Stories #10

Sexual, racial, gender violence and other forms of discrimination and violence in a culture cannot be eliminated without changing culture- Charlotte Bunch I am happy to introduce to you again Dr. Syed Faizal, he has written many interesting stories on his Facebook recently . This story was written on the… Continue Reading

How to be happy in life?

person riding kayak

“Sometimes your joy is the source of your smile, but sometimes your smile can be the source of your joy.”-Thich Nhat Hanh How to be happy in life? Having lived half of my life ( hopefully), I always wonder what is the single most important ingredient to live a happy… Continue Reading

Introduction to ETFs Investing for Asians

person holding blue ballpoint pen on white notebook

“Those of you who make investments outside of any retirement accounts are absolutely crazy if you are using actively managed funds rather than ETFs.” – Suze Orman I was once a strong believer of property investment. I was once believed with my heart that I could time the market and pick… Continue Reading

Physicians’ Untold Stories #9- Good Night Malaysia

“You see, this is the thing about this world. When it comes to politicians, people always forget.” It is my privilege to introduce to you Dr. Syed Faisal again, he wrote about his experience in tackling Covid 19 pandemic in his hospital HERE. I am happy he allows me to… Continue Reading

Why do I choose distributing not accumulating ETFs?


 “Don’t look for the needle in the haystack. Just buy the haystack!” — John Bogle Why do I choose distributing ETFs instead of accumulating ETFs? As a regular reader of this blog, you notice that I opt for distributing ETFs such as VWRD and IGLO instead of VWRA and IGLA…. Continue Reading

Why you shouldn’t listen to financial gurus

crop faceless multiethnic interviewer and job seeker going through interview

“Investing should be more like watching paint dry or watching grass grow. If you want excitement, take $800 and go to Las Vegas.” – Paul Samuelson ” I just joined an online investing club last year, I made 20% gain last year,” said Mr. K**, ” but I lost 15%… Continue Reading

How to take back USD from IBKR during retirement?

move back USD in ibkr to Malaysia

“Plans are of little importance, but planning is essential.” ― Winston Churchill, former British Prime Minister Recently I received an email from a reader asking me about my plan after retirement. Since all my investments are in USD ( in IBKR) and SGD ( in Singapore bank account), how do I… Continue Reading

Physicians’ Untold Stories #8

photo of woman wearing protective goggles and mask

 “Let the young know they will never find a more interesting, more instructive book than the patient himself.”—Giorgio Baglivi You can read the previous entry of Physicians’ untold stories HERE. This post was written in support of Malaysian Code black movement. The year 2001, December After saving MYR5000 working as… Continue Reading

How to use Instarem to fund IBKR from Malaysia

I talked about how to use Wise ( previously TransferWise) to fund your IBKR account HERE and HERE. Long ago, I found that the exchange rate was always slightly better for Wise than Instarem. Therefore, I encourage my readers to use Wise to fund their brokerage accounts (IBKR) to buy… Continue Reading

Can you make SGD/MYR while living in Malaysia/Singapore?

Can you make SGD/MYR while living in Malaysia/Singapore?

“Empty pockets never held anyone back. Only empty heads and empty hearts can do that.” –Norman Vincent Peale I think this post will attract a lot of Malaysians to read further. Unfortunately not many Singaporeans are eager to make MYR while living in Singapore. The matter of fact, why on… Continue Reading