How much money do you need to retire in Malaysia and Singapore?

“Retirement is like a long vacation in Las Vegas. The goal is to enjoy it the fullest, but not so fully that you run out of money.” – Jonathan Clements The amount of money needed for a comfortable retirement is a subject of much debate and varies significantly based on… Continue Reading

The Power of Patience in Wealth Building

“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 If you, like me, are enthralled by the wonders of science, then you too must believe that… Continue Reading

My USD portfolio Update in 2024

“The world is full of foolish gamblers and they will not do as well as the patient investors.” Charlie Munger During the first half of the year, the S&P 500 experienced a remarkable gain of 15.05%. This impressive performance was reflected in the Vanguard S&P 500 UCITS ETF (VUSD), which… Continue Reading

My USD portfolio performance in 2023

gray rolled asphalt road under cloudy sky

“Courage taught me no matter how bad a crisis gets … any sound investment will eventually pay off.” — Carlos Slim Helu The year 2023 has proven to be among the best years so far for my USD portfolio. Actually I am not happy when the market is up, during wealth… Continue Reading

I am debt free now, what is next?

man jumping during sunset on a beach

“Debts are like children – begot with pleasure, but brought forth with pain.” Yes, finally, I am debt-free now after working for almost 22 years! Even though it might have taken me longer than others to be debt-free, I am happy that I have reached this financial milestone. The very… Continue Reading

Top up your EPF or ASN/ASM?

EPF or ASN/ASM??

Many Malaysians especially non-Bumiputras are very excited about the news that the government has increased the ASM fund size by another RM5 billion. As most Malaysians have known by now, most ASN funds are specially allocated for Bumiputras, non-Bumiputras are allowed to buy a few funds only- one of which… Continue Reading

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

Get my first investment book today

ETFs book from drgohhk

“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

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