My USD portfolio Performance in 2022

Stock Graph

“The stock market is filled with individuals who know the price of everything, but the value of nothing.” — Phillip Fisher The year 2022 was a tough year for investors around the world. It was the worst year since the financial crisis hit us in 2008. Many investors are still… Continue Reading

The bear market is coming? Are you fearful at this moment?

The bear market is coming

“If you aren’t thinking about owning a stock for 10 years, don’t even think about owning it for 10 minutes.”- Warren Buffett “This bear market will be different! I know it, it is coming!” My friend, Mr. Tan who is a property developer repeatedly told us in our Whatapps investment… Continue Reading

EPF or CPF Millionaire, can you do it?

businessman man woman desk

“Invest for the long haul. Don’t get too greedy and don’t get too scared.” If you are a Malaysian and had at least MYR 1 million in your EPF account in 2020, you are among the only 67919 or the top 0.64% of 14.89 million members. On average each EPF millionaire… Continue Reading

An Open Letter to My Patient- Paul

brown field and blue sky

“Avoiding danger is no safer in the long run than outright exposure. Life is either a daring adventure, or nothing at all.” Dear Paul, I hope you sleep well. I still remember vividly the day I said good bye to you during your last day in the hospital. People naturally… Continue Reading

Dividend from ETFs-Getting better Now

close up shot of a typewriter

Do you know the only thing that gives me pleasure? It’s to see my dividends coming in. -John D. Rockefeller There are a few surprises that happen to my USD denominated portfolio in 2Q 2022. As you know, I opt for VUSD and VWRD as my equities ETFs, both ETFs… Continue Reading

Get my first investment book today

“Waiting helps you as an investor and a lot of people just can’t stand to wait. If you didn’t get the deferred-gratification gene, you’ve got to work very hard to overcome that.”-Charlie Munger ” Can we consistently beat the market?” ” How much money do I need to retire in… Continue Reading

SGD/MYR is now 3.19, what can you do as a Malaysian?

“Time is more valuable than money. You can get more money, but you cannot get more time.”Jim Rohn The ringgit depreciated to its weakest level against the Singapore dollar (SGD) on Tuesday (May 24) 2022, after the exchange rate surpassed 3.1993. As a Malaysian, it is heart-breaking to see MYR… Continue Reading

Life is stressful, how to handle it?

How to handle stress in life?

“Living is like tearing through a museum. Not until later do you really start absorbing what you saw, thinking about it, looking it up in a book, and remembering – because you can’t take it in all at once.”- Audrey Hepburn Everyone knows life is stressful especially for those living… Continue Reading

Funding IBKR using Wise Multi-currency account

person putting coin in a piggy bank

“The stock market is filled with individuals who know the price of everything, but the value of nothing.” — Phillip Fisher If you plan to travel overseas soon for holiday, I advise you not to bring along your credit card, instead, you should get a Wise Debit Card. You can… Continue Reading

Maximize EPF/CPF contribution to boost your retirement fund

“The price of anything is the amount of life you exchange for it.” – Henry David Thoreau I am once again reminded the inexorability of life cycle after attending Qingming (清明节) this year. Due to Malaysian MCO, the last time I came to my father’s tomb was 2 years ago. It… Continue Reading