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

How worried should you be while investing during a bear market?

young troubled woman using laptop at home

“The true investment challenge is to perform well in difficult times.” Seth Klarman Most investors hate bear market. No one likes to see their portfolio value drops during a bear market. But the truth is during wealth accumulation phase of your life, bear market might be a friend rather than… Continue Reading

Physicians’ Untold Stories #11

love letter

“When you stop expecting people to be perfect, you can like them for who they are.”– Donald Miller Sorry for being absent from my blog for such a long time. I have been busy for the last few weeks, juggling between work and family. I hope you enjoy this story… Continue Reading

My Portfolio Performance in 2021

person holding a smartphone

“I don’t look to jump over seven-foot bars; I look around for one-foot bars that I can step over.” — Warren Buffett As we are entering the year of 2022, it might be a good idea for me to write about my portfolio performance in 2021. I do not expect… Continue Reading

How to to save your life Insurance Premium in Malaysia?

a couple cheers together

” Fun is like life insurance; the older you get, the more it costs.” Frankly, I hate insurance! The older I grow, I realize that lot of money is spent monthly by average Malaysians on insurance. And most of the times, we don’t quite understand what we are buying because… Continue Reading

IWDA or VWRA ETFs? Why do I go for VWRA/VWRD?

person with toy airplane on world map

“The function of economic forecasting is to make astrology look respectable.” John Kenneth Galbraith If you happen to be an index fund investor like me, you are likely to invest in an equity ETFs that tracks a broad market index. Besides the well-known S&P 500 index ( VUSD/VUSA) , you… Continue Reading

The best and cheapest Phone Plan for me


“Success is the sum of small efforts, repeated while ignoring the noise around you! “ As you remember, I switched my mobile plan from Maxis to U mobile last year after being a loyal Maxis customer for almost 25 years. I used to spend MYR230 per month for 3 phone… Continue Reading

The fastest way to send money to IBKR

Let start a business

“Far more money has been lost by investors trying to anticipate corrections, than lost in the corrections themselves.”-Peter Lynch I am a strong believer of low cost ETFs investment. As for Malaysians and other Asians especially the Indonesians and Thais , funding your Interactive Brokers(IBKR) account can be the pain… Continue Reading

A letter for me from my future 80 year old self

“Old age is the most unexpected of all things that happen to a man. “-Leon Trotsky I always wonder what I would say to my current self 35 years from now. Am I happy with my life at this moment? Should I change the way I live my life ?… Continue Reading