Financial Planning

Employees Provident Fund – Historical EPF Dividend Rates from 1952 to 2010

Above is the history of EPF dividend rates declared for the past 59 years, from 1952 to 2010. Source: Advisertool.com Based on the data, it shows that an average EPF dividend of 5.91% per annum was reinvested back into our EPF account. Are you satisfied with the performance? Basically, it’s about double of your fixed [...]

Is Your Property an Asset or a Liability?

Should I keep my new house untenanted until I manage to sell it at a good price for capital gain? It’s too hassle to handle a tenant!? Peter Yee If you raise the question to Dr. Peter Yee, I’m sure he will answer you immediately, “Rent it out! Don’t wait! Rent it out as soon [...]

My Property Investment Strategies for 2011

Increase Savings for Bigger Emergency Fund Size 2011 is a savings year for me. I want to have more cash in hand for bigger emergency fund size, so that it can be sustained for longer time, says 12 months instead of 3 to 6 months as recommended by financial planner, usually. In other words, the [...]

Future Plans For My Baby – Buy Gold Bullion In Case Malaysia Declares Bankruptcy

Image Source: JutawanEmas Besides investing in mutual funds, buy gold bullion is also part of my investment portfolio on the financial planning for my baby. Why invest in gold bullion rather than buying paper gold? In case Malaysia declares bankruptcy, at least I still manage to have something solid to hold and to keep with [...]

Future Plans For My Baby – Invest in Mutual Funds For Saving Money

What is your financial planning for a new baby? Is mutual fund investment a good option? For me, the answer is yes. This is the first thing I start to think about immediate after I know my wife is pregnant. Thanks God! I’m on my way to be a father! Hehe! For myself, it is [...]

Should Fresh Graduate Buy Low Cost Flat or Medium Cost Condo as First House for Own Stay?

Hi Horlic, may I ask for your opinion – I’m a fresh graduate earning about RM3,000/mth. Currently, I’m renting a room at RM450/mth. I think of owning my first house for own stay instead of continue to rent. But, I dare not go for property more than RM100,000 as I afraid could not afford the [...]

Calculate Annual Growth Rate Needed to Triple Your Investment Money – The Rule Of 114

Have you done any ROI analysis to ensure you are on the right track of achieving your investment objectives? Try the Rule of 144. Similar to the Rule of 72, where we approximate the annual growth rate needed to double our money in Z years, whereas, Rule of 114 can be used to calculate the [...]

Tax Saving Tips for Rental Property Investment in KL Malaysia: Claim Vacancy Allowance

How to save tax on rental property income in Kuala Lumpur, Malaysia? According to the official portal of Kuala Lumpur (DBKL), house owner is actually can apply for a “Vacancy Allowance” for properties that unable to be rented on condition that he write-in to apply it within 7 days of the property becoming vacant and [...]

Purpose to Check CCRIS Report: Outstanding Credit, Special Attention Account, Application for Credit

What’s the purpose to check CCRIS? And what is inside the credit report? Basically, the credit report displays the following credit information of a borrower: 1) Outstanding Credit All outstanding credits obtained by the borrower, either under:- His own name; A joint with another person; A name of a sole proprietorship; or A partnership or [...]

Where to Check CCRIS and Get Credit Report for Free in Malaysia?

The information reported to the Credit Bureau is housed in a computerised database system known as the Central Credit Reference Information System (CCRIS). At present, the database system contains credit information on about 9 million borrowers in Malaysia. CCRIS automatically processes the credit data received from the financial institutions and synthesises the information into credit [...]


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