What is an ETF?

ETF

“In the ETF world, you can be in any sector at any point. You can now invest more like institutions. Prior to this big explosion, retail investors couldn’t invest that way.” – Nadav Baum We have been talking about ETFs and index funds for a while and some of my readers… Continue Reading

The true cost of owning a car

the true cost of owning a car

Malaysians and Singaporeans love cars! The very first thing a working adult in Malaysia wishes to buy is a car. There are various reasons you think you need a car, making your commute between home and workplace more convenience, driving a car is safer than riding a motorcycle in Malaysia… Continue Reading

When can I retire?

the math behind retirement

When can I retire? We all work days in and out without knowing exactly when it will end. Sometimes I am wondering is there any light at the end of the tunnel. When can I quit my 9-5 job one day? ( Actually, my job is 0-0 round the clock,… Continue Reading

The doctor makes a lot of money!

doctors make a lot of money

” Doctor, you make a lot of money!” these are the common words patients say to me during my daily clinic consultation. Doctors are making good money by charging high fees! That the impression patients have on doctors! Is it true? I joined a private practice in 2012 after working… Continue Reading

Why you shouldn’t buy individual stock

Some of my blog readers are die-hard individual stock investors. Their argument is simple, ” I own 30 stocks in Malaysia, Singapore, and the States, I am diversified enough! Why shouldn’t I buy individual stock?” You can’t pick winning stock always! Picking a winning stock is possible occasionally but almost… Continue Reading

How to get rich in Malaysia and Singapore?

How to get rich?

“You must gain control over your money or the lack of it will forever control you.” —Dave Ramsey OK, if you want to get rich in Malaysia and Singapore, a lot of us believe that, you need to know ‘who’ in Malaysia and know ‘how’ in Singapore. Knowing ‘who’ is… Continue Reading

Monthly Financial Update- May 2020

monthly financial update

I decided to put up my monthly financial update (expenditure and passive income) in this blog. Updating my monthly financial regularly here helps me to streamline my expenditure and of course reminds me how to be frugal. Saving 70-80% of my income is my monthly target and I invest almost… Continue Reading

Let Start A Business

Let start a business

Everyone want to get rich fast! I once believed “You make a lot of money by starting a successful business.” I wanted to start a business to make more money even though I was still working as a medical officer in government hospital. Starting my first business! My first venture… Continue Reading

What is your Retirement Number?

Your retirement number

I may not be there yet, but I’m closer than I was yesterday. So you are thinking of retirement? What is your retirement number?Everyone loves to retire as soon as possible no matter how young you are. I enjoy the freedom of time and go shopping while everyone else is… Continue Reading

My USD Index Fund Portfolio

Vanguard index fund portfolio

“Know what you own, and know why you own it.” — Peter Lynch Investing can be a pretty lonely journey. You listen to rumor all the times. People are predicting the direction of the market. Some black swan events happen occasionally. You can be clueless and lose your concentration. My USD-denominated… Continue Reading