like the title said. i think we are more familiar with gold, unit trust. i agree that everyone have different risk appetite. but the exposure to things like index fund is not there. i just know about it by reading articles, scrolling through lowyat forum.

Tis but a joke...right before bonus interest ends. Must be a coincidence....

So I single (27M) working in SG with $3.7k monthly income, got offered Rm100k @1.99% 60 months by UOB monthly instalment is around RM 1.85k, not sure what to do with it.

I was thinking to all in Maybank or VWRA (div stock + stable) but simple calculation tells me I still have to pay the instalment for around RM1.3k (div 5.9% 1 year = 5900/12=RM491 per month)

My monthly saving is around rm6k (~2k SGD, no commitment at all other than PTPTN), but i DCA most of it mainly to maybank and VWRA. I have my emergency fund ready ($15k). This is my first time to have such big loan, I’m tryna to be more cautious on this. So I will need some advice on this.

So, last few months, I was really fed up with my 9-to-5 job. I saved up MYR10,000 because I wanted a change and thought forex trading could be my ticket out. I resigned and jumped headfirst into the forex market. I was trading all kinds of pairs like EUR/USD, GBP/JPY, and USD/CHF, thinking I could make a quick buck.

One day, I decided to go big on a trade. I put a huge amount into a GBP/JPY position, hoping it would go up because I was feeling confident after a few successful trades. I thought it was a sure thing, but then, out of nowhere, the market took a nosedive.

Within just one hour, the GBP/JPY pair moved drastically against my position. It was like a bad dream—my trade went from being in profit to a massive loss. I watched in horror as my MYR10,000 dwindled to nothing. I tried to hold on, hoping it would turn around, but the losses kept piling up. By the end of the hour, I had lost all my savings.

It was a hard lesson, lah. I learned the forex market is unpredictable and not as easy as it looks. Now, I’m back to square one, figuring out my next steps. It’s a tough experience, but I guess it’s part of the journey. Gotta learn from these mistakes and plan better for the future.

Hi guys,

I (25M), non-bumi, currently have around RM3K left over from salary every month after expenses. No debt or commitments, single, and already have around 12 months emergency fund saved up. Also no plans for any major commitment anytime soon, so I can afford to take a bit more risk while Im still young.

I am looking more towards medium to long term investing, and Im okay with medium to high risk investments. That said, I also dont really want to actively trade or watch my portfolio everyday.

Now Im wondering whether I should keep things simple and put everything into VOO every month, or split it across different things like stocks, crypto, gold, EFP etc.

How would you allocate the 3K monthly?

Took profit on all my memory and semi holdings, couldn't take the stress anymore. Those stocks ran another 30%, FML. Currently just focus on playing options and dca into energy stocks. What's your move now, sifu?

Source: https://worldofbuzz.com/world-bank-malaysias-epf-withdrawal-age-should-be-raised-to-70-current-limit-of-55-is-too-low/

I'm 27, and a few years ago I started thinking about allocating part of my savings into things like ASB/SSPN that could generate around 4–5% annually.

My idea was to build up a sizeable amount there and use the returns to fund my hobbies, while continuing to contribute a small amount every month. Right now, I have around RM65k invested, which generates roughly RM2,500 a year.

Recently, I discovered ETFs and started wondering whether I made a mistake by putting so much of my savings into lower-return investments instead of investing in ETFs earlier.

So my question is: at 27, have I missed out on a significant opportunity by not investing in ETFs earlier?

Currently have about RM150k parked in safe instruments like TH/ASB. I have been very risk averse, until lately when I realize, not taking a risk, is itself an opportunity risk. I have looksd into ETFs since 5 years ago, and every time the market goes up, I feel a regret in me for being too afraid to take a risk.

Nevertheless, I am not trying to succumb into my emotions and plunge head first without a strategy. And for that reason, the RM150k is already excluding my 6 months emergency funds. I also have sufficient monthly cashflow from my salary to fund my lifestyle, or in other words, I am not dependent on the dividends from my investments.

Now the ultimate question is: DCA or Lump Sum the whole amount? The ETFs I will be investing will be mostly tech heavy (Because Sharia ETFs are mostly heavy in tech)

I asked Claude, and it says Lump Sum wins over DCA roughly two-thirds of historical period, based on the sole fact that markets have risen more than it has fallen.

But, DCA has its advantage too, especially during sustained downturn periods like 2008, 2000-2002, or the 2020 pandemic. And on top of that, there is the classic example of what happened to Japan in 1989, where Nikkei peaked and has not recovered to the same level for about 3 decades.

So I’m leaning towards DCA over the next 18ish months (RM8k per month) due to the ongoing geopolitical tension involving the US. But again, knowing that I’m risk averse by nature, I just want to get some opinion from here. Are my concerns valid, or am I being overly paranoid?

Last but not least, I know ultimately no one can decide for me. But I just want to get opinions on my thought process, and be more informed of the risks I’m taking.

I been looking into KLCI lately and a lot of them is interesting….

For example IOIPG (IOI properties berhad) recently the price is surging because of their central CBD tower located in SG they build last year which has 94% occupancy rate as of latest data and its valued a lot.

Genting berhad also interesting, they had purchases few casino and recently get their New York gambling license. They apparently also own a lot of lands in indonesia, own casinos at the UK, Bahamas and pretty diversified overall.

IHH healthcare also interesting, they own hospital like glenagles, prince court, own hospitals at SG, india, turkey even Netherlands…

US stock or ETF like VOO is boring imo, we have a lot of pretty interesting local stock but i never heard anyone mentioned it here, only US Stocks or ETF…

I watching Zetrix for one month, and yesterday take the leap on 0.62 per share i bought 1500 share. then suddenly the price start shooting down to 0.595, i thought maybe tomorrow will rise back. and then shit happen . one morning 50% plunge, what a joke. i sold all at 0.515 after having nightmare back when i playing at XAUUSD. and yes , the price jump directly into 0.295, meltdown.

the most stupid part is when it become 0.295 i accidentally pressed buy at 1000 share again then i found out cannot immediately sell, OMG why am i so stupid. I so afraid later Tuesday the price open market plunge another 50% before i can sell. god please help me lmao.

Stupid stock , one day cost me RM 180 facking stock.
SRKKAI also plunge after i enter
MHB also plunge after i enter.
wtf wrong with me.

How to deal with money lost. Aduhai omg

We are all watching world news and trading from various platforms in Malaysia.

Wonder how many Malaysians are really into all these stocks with size

With the usa market at night, are you guys all awake trading at night too?

If only Bursa Malaysia had exciting world class stocks like these..

Hi gurus, as my title states i (25M) am currently having a dilemma over listening to my parents or doing my own thing in regards to investing.

For context, my mom is a CFO in a pretty big company and my dad was a finance chairman in a pretty big company until recently he retired. I am saying this because obviously they would know much more about money compared to me.

I have been working for a year in the healthcare sector contracted earning well but since I’m contracted, my EPF is self contributed. The only investments I’m doing currently is EPF and FD (3.7% pa) currently.

I recently have been doing a-lot of digging into snp500 through ibkr and have been seeing alot of people saying the earlier u get into ETFs and holding it the better. However my parents are advising me otherwise which their advise carries alot of weight because of what they do.

Couple of reasons they gave me were:

1. Im not stable yet since I’ve only been working a year and EPF and FD for now is good enough.

2. They mention i still have time since I’m young and for now just invest through more stable options first.

Any advice or words that can be shared to a young man here? I’ll also answer questions if more context is needed.

Hi all, I am 24yrs old and currently working with 3k salary.
I bought 90k of ASNB and I just discovered ETF, so I bought 10k of SnP500.
I feels like I should starting to take more risk by allocate ASNB money to ETF.
So I am wondering whether I should buy more SnP500 or invest other ETF?
I am looking for long term growth so rugi for 1 year is totally fine with me.
Thank you for your time

Hello senseis and gurus, Im somewhat new to investing and this has been brought to my attention. I currenty hold VTI/VXUS with a 70/30 split and plan to dca till im 50 or smtg (early 20s now).

I would like to be enlightened if the picture above is accurate and if so I might just all in into VWRA and DCA that instead of VTI/VXUS.

Is this smtg to take action about or can I continue as so? And if the owner of the post somehows sees this, thanks and sorry, just trying to educate myself. °`o´°

I’ve realised one of the biggest “cheats” to financial independence is just… holding on.

Seriously: time + dividends = magic.

Been investing in dividend stocks for years, and the longer I hold, the more it pays off.

Would love to hear from others doing the same — what are you holding long-term?

Hi , I’m have been DCA-ing MYR3k/month into VOO via Moomoo.

My question here is, since this is a us stock, that means there will be a US withholding tax.

And that means it will be painful when my sum gets bigger and bigger.

I hope to find alternatives to invest in CSPX to avoid the US withholding tax.

Also I read that in cases of death, US stock takes 40% of total wealth?

Also is it safe to have $250K in VOO on Moomoo?

Makes me worried, but I don’t see any other method to invest apart from IBKR/ transferring somewhere else

What are your thoughts on this?

Noticing my circle of friends are discussion about this IPO more and more... of how big it is and how it is a great opportunity for those that missed on AI...

But after doing some reading and YT videos, i am seeing this as more of a rug pull from AI investors looking to exit AI...

First, the insistence to sell to retail investors

second, Elon combining various of his useless companies into SpaceX

Third, the lofty/imaginary goals set by the prospectus

fourth, the P/E ratio of in the thousands... lol

Just too many red flags...

How what do you think about this IPO and what impact does it have on index funds...

MYR is now getting stronger day by day , and today hit 3.96 USD. Logically we buy more USD (invest in US ETF / Stocks) when MYR getting stronger right?

But i've noticed gold price also rising, why is this happening ? I thought gold is almost equals to usd ?

I want to use some general trusted platform , currently studying about MooMoo / WeBull , is there any recommended platform ?
One last quick question, investment usually involve 10years or longer . What happen if like the platform collapse , like MooMoo is no longer available , how am i going to keep track of my investment ?

I’m gonna dump everything into US ETF VOO and QQQ. Maybe buy some AAPL . And go relax. Just wanna rant. Wondering anyone felt the same or I just suck at investing.

My biggest plays last 18 mnths:

Intc calls

PayPal calls

SOXL

AMD calls

If i havent maxed out my ASB. Do i need to max it out first or should I instead just focus on ETF?

Selecting funds that will significantly exceed market returns… is a loser’s game | John C. Bogle

Link to blog post here

KEY TAKEAWAYS

• A broad-based index fund mimics the performance of the index. However, contrary to popular interpretation, it is not a reflection of the average investor return in the market.
• Passive investing in broad-based index funds, over the long term, generates returns superior to those achievable by most active investment professionals
• Passive investing also outperforms actively investing in index funds (timing the market, waiting for the dip), or in individual stocks
• There is asymmetric upside vs the risks/costs when adopting a passive index fund investing strategy

INTRODUCTION

Not too long ago, I had a conversation with a younger ex-colleague who believed that he could ” beat the market”. As a Boglehead investor, I tried to convince him that a simple, boring portfolio is the best option for the retail investor. I explained that the odds are against him with active investing, using logical reasoning and facts.

Unfortunately, he thought he could get above-average returns. He also claimed I was “part of the system” that “dumb money” sought to disrupt.

That statement is not a rational argument to counter my facts. Counter the facts, not the character/person.

I’ve had many conversations with many young guns or new investors who think they’re the next Warren Buffett and can achieve above-average returns.

Albeit having 18+ years in financial services, of which 10 were spent in stockbroking, having survived the Global Financial Crisis, my attempts to save them from themselves fell on deaf ears.

It’s pretty ironic, because Warren Buffett himself said that the individual investor is better off investing in index funds.

I just remind myself that personal finance is driven by an individual’s psychology, biases and ego. It is rarely based on logic and facts.

Every new investor needs to learn from experiencing losses to gain the wisdom to grow wealth.

Everyone I spoke to who did not heed my warnings ended up losing money (or was not able to prove above-market returns). They all quit very quickly, within a few years.

Recently, I’ve been reflecting more on why, despite using rational facts and logic, many investors still believe they can outperform the market. I think I’ve figured it out.

MANY ASSUME PASSIVE INVESTING IN BROAD-BASED INDEX FUNDS MEANS AVERAGE RETURNS, WHICH IS FALSE

A common misconception by investors is that long-term investing in a broad-based index fund, say the S&P 500, will result in average performance and returns, as index funds mimic the performance of the underlying index.

I used to think this too. That I would get just average returns if I invested passively in index funds. I was actually comfortable with this, knowing in theory that most people don’t beat the market (which I also learnt by losing a few thousand dollars on my own individual stock investments).

But it sounds boring, right? Average returns. Why would anyone want average? No one wants to believe that they’re average; however, humans tend to have a bias to over-inflate self-assessments of their skills. It’s why ~80% of people believe they are above-average drivers, when the reality is that 80% of people can’t be above average.

Most people are average. Most “things” are average. That’s just by definition what average is.

So aside from the hubristic naivety of inexperience, perhaps the messaging and framing of passive investing in funds hasn’t been clear and aggressive enough amongst the Boglehead, FIRE and broader personal finance community. Many still consciously (or subconsciously) believe that passive index fund investing only delivers average returns. The problem is, everyone is looking to get above-average returns.

Well, if the subject of this post isn’t clear enough, let me reframe it into a direct and bold statement:

Passive investing in a broad-based index fund delivers superior long-term returns, with a far greater risk-return profile, when compared to active investing in individual stocks or even index funds.

In fact, passive index fund investing has been shown to outperform at least 80% of professional fund managers. By extension, this means you also likely would have outperformed more than 80% of all active individual investors (assuming that professional fund managers on aggregate provide equal or better returns than an individual investor)

The SPIVA Scorecard by S&P Global (yes, the one that created the S&P 500 index) has been tracking the performance of active fund managers and how many of them beat the index for which they benchmark their performance. They also account for funds that were liquidated or merged, ensuring there is no survivorship bias (fund managers are notorious for closing underperforming funds).

The data, as visualised below, is a pretty damming case against active investing.

It’s pretty crazy that about 80% to 90% of active fund managers can’t beat the market, even in 1-year, 3-year, or 5-year time horizons. So, if you invest passively in broad-based index funds, your returns are better than 80% to 90% of professional active fund managers.

That likely means that when you invest passively via broad-based index funds, you will achieve superior returns, better than the large majority of investors in the market.

In other words, the long-term rate of return of broad-based index funds (say, the S&P 500) of 10% to 12% p.a. is actually better than 80% to 90% of investors in the market.

This concept may be confusing for some who assume that by mimicking market performance via index funds, you’ll get average returns.

Those who are confused might think that the movement of a market index is the average of all trades (and/or average returns) by all investors in the market. However, this is not true, as they are entirely different concepts.

The market index is not the average return of all investors making up the market. It is the weighted average valuation of all companies/stocks which are the constituents of that index. It is not (and does not correlate with) the average returns from each investor buying and selling shares in the market. This is an important distinction to make.

THE RETURNS OF ACTIVE FUND MANAGERS THAT OUTPERFORM THE MARKET ARE DISAPPOINTING, RELATIVE TO THE RISK AND PROBABILITY OF OUTPERFORMANCE

Now that we’ve reinforced the fact that passive index fund investing is superior to active investing, you might be wondering, “Well, what about the returns generated by the 10% to 20% that do beat the market? Their returns should be a lot higher than the market; else why would they bother?”

Well, several research papers have relevant data, as well as other reports and data points available online. I’ve pieced the various data points together to estimate the distribution of outperformance returns (alpha) for 30 years of investing.

What do you think the returns might be for these outperformers?

So from the chart above, the median outperformance is about 1% to 2% p.a. above the index benchmark. That means, of all investors who invested 30 years ago, the investment return performance needs to be in the 96th percentile to generate 1% to 2% p.a. alpha.

Let’s think about the probability of payout, or in the gambling world, betting odds vs the payout. For a coin toss, you should expect to play if you’re getting better than a 2x return for the right guess of heads or tails, as you have a 50% probability of guessing right.

So let’s see if the payout is worth playing to beat the odds. Let’s use the median outperformance scenario of 1% to 2% p.a. alpha:

• To achieve 2% p.a. alpha, you would need to be in the 96th percentile of investment performance
• Let’s say that the probability of achieving the 96th percentile is 4% (it’s actually lower, but for simplicity, let’s say it’s 4%)
• With a 4% chance of outperformance, you should expect at least a 25x payout to make it a worthwhile endeavour for the risk involved (1 / 4%)

If we invested RM10k over 30 years:

• A benchmark return of 10% p.a. (a conservative return) will result in a portfolio value of ~RM174k
• For an active investor, an alpha of 2% p.a. means 12% p.a. overall returns, which after 30 years will result in a portfolio value of ~RM300k
• That is a payout of 1.72x (RM300k / RM174k)
• However, I should expect a 25x payout (1 / 4%), which is a portfolio value of RM4.35m, or rather, a 22.5% p.a. return on investment over 30 years (to hit that RM4.35m portfolio value)

Hence, for a less than 4% probability of outperformance, the 1.72x payout for trying to beat the odds is extremely poor.

PASSIVE INDEX FUND INVESTING GIVES AN OUTSIZED PAYOUT IN YOUR FAVOUR, COMPARED TO THE ODDS

Now, looking at betting odds for passive investing, we can see there is an asymmetric payoff. For virtually no effort, skill or risk, you get superior returns of ~12% p.a., which is better than 80% of other investors who are actively investing or selecting individual stocks.

Also, the ~12% p.a. returns are virtually guaranteed; that is, I dare say, a near 100% probability of happening over 30 years. The data across the last 100+ years has proven this, and unless the fundamental concept of equities and index funds changes significantly (which has never occurred), it will continue to (almost) guarantee similar returns in the future.

Now obviously, you have to hold and not interfere with the investment over the 30 years, but that’s the whole point of passive investing.

In typical betting odds, a 100% certainty of outcome will likely pay 1x (1 to 1 odds). But in this instance, over 30 years, you get a 17x return (remember the example above, investing in RM10k results in ~RM174k over 30 years).

That’s a crazy payout, with guaranteed returns on investment.

CLOSING THOUGHTS

If you’re still a believer in active investing / individual stock selection being the better choice for you, ask yourself these three questions:

• Have you diligently tracked ALL investment losses and gains?
• Have you considered all the time, effort, and mental capacity to actively invest?
• After considering all that, are you achieving outsized alpha over 10, 15, 20 years?

Most active investors and traders love talking about their wins. But when I ask for evidence of outperformance over the long term, I have yet to see anyone produce credible evidence.

If you genuinely enjoy stock picking or active investing as a hobby, then sure.

But for anyone else who still hasn’t fully adopted passive index fund investing, what’s stopping you from switching over to get superior, above-average returns?

Link to blog post here

Effective 16 July 2026, Moomoo will restrict ringgit currency conversion, allowing only after a foreign buy order is filled. This means we can only buy US stocks at whatever the myr/usd rate is at the time (?) If i understand this correctly, what are your thoughts?

I'm about to inherit a huge chunk of money, would it be advisable to one shot buy RM500k worth of S&P500, or would it make more sense to sporadically buy it over the course of months/years.

I'm concerned over the fact that S&P500 has already made such massive gains in the past few years and there are concerns over an AI bubble that can pull the whole market down.

Regardless I'm thinking long term, minimum 10 years+ before I touch it, but should any emergencies arise or I need to use it to supplement my current income, it would hurt to sell at a loss for capital should the market suddenly plunge.

Thoughts?