Investkaki

Good news to all the self-employed! 💼💼

Currently the tax relief has been split to EPF (RM4K) and life insurance (RM3k), hence you may want to self-contribute to EPF and Government will top up 💰 15% of your contribution amount to a maximum of RM250 a year!

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If you do, pls register for this I-saraan. This scheme is only for those who are 100% self employed (no fixed income).

🔍Read more with the link below.

KWSP - i-Saraan Voluntary Contribution with Retirement Incentive (i-Saraan) allows our members who are self-employed and do not earn a regular income to make voluntary contributions towards your retirement, and at the same time receive additional contribution from the government.

Good news or bad news? Well it depends.

No doubt properties are good investment, IF ONLY you have the "holding power". Please do not let the "outdated" mindset tells you renting a property is bad because you are paying for people's house.

There are a lot of other investment options that can give you similar or better ROI than property's rental yields; PLUS, you wouldn't want to trouble yourself with a headache to find quality tenants and collecting punctual rent.

I always believe, buy for investment instead of buy for stay. The key is still to plan properly before you commit to at least a 25 years debt.

Rental rates may drop by 30%, says property analyst Real estate consultant predicts projected rental returns to suffer from oversupply of high-rise residential units over the next two to three years.

"I had a friend who wanted to get better at painting. But she thought she had to be in Paris, with all the conditions right. She never made it to Paris. Now she sits in a cubicle under fluorescent lights, filling out paperwork all day."

Cure your Monday blues with this motivating article.

A good read about how you can find your own talent and utilise it to your advantage.

The only technique to learn something new I had a friend who wanted to get better at painting. But she thought she had to be in Paris, with all the conditions right. She never made it to Paris. Now she sits in a cubicle under fluorescent l…

TGIF!

According to the 50/30/20 rule, 30% of your income should go to “voluntary obligations that enhance your lifestyle".

How are you planning to be fabulous this weekend?

Fun Fact:

According to The Star and Malaysiakini news, there are about 700,000 Nepalese employed in plantation and factories; Nepalese sent back RM5bil in first 11 months of 2015.

RM5,000,000,000 / 11 months = RM454,545,454 per month

RM454,545,454 / 700,000 workers = RM649.35 per month per worker

At average, Nepalese can save about RM650 a month. How much do you save?

credit: RCA Wealth Agency

Tips on how to GAIN 71% return from your investment despite the fund price beaten DOWN by as much as 78% from an expert.

You gotta do something because you wouldn't want your bank account to be sarcastic to you! 😂

"It’s always been about ‘financial independence’ for me and not really ‘early retirement"

Read this, if you want to know how to calculate your monthly necessity expenses and steps to be financial independence.

There are similar investments type in US that is available in Malaysia. Some of them can help you reduce tax and some are tax free too.

Download the spreadsheet for free:
http://www.madfientist.com/financial-independence-spreadsheet/

A man who retired at 34 shares a spreadsheet that helped him get there - Business Insider Courtesy of Mad Fientist.Brandon, also known as the Mad Fientist.On August 1, 2016, Brandon officially retired.The 34-year-old software developer and blogg...

Investment is all about diversification.

50% Retirees exhausted their savings within 5 years of retirement; 78% of Malaysians do not have enough funds for retirement.

Instead of depending on EPF and EPF only for your retirement fund, you can also diversify your EPF.

EPF's 2Q investment income down 26% on year at RM8.44b KUALA LUMPUR (Sept 9): The Employees Provident Fund (EPF) posted a 26.04% drop in second quarter investment income at RM8.44 billion, from RM11.4 billion a year earlier, mainly on RM3.58 billion worth of non-cash impairments on its listed-equity investments. In a statement today, EPF's chief executi...

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