I wrote a full guide on building a global ETF portfolio as a Malaysian. And I'm giving it away free to everyone in this channel.
I spent years figuring this out. The mistakes, the research, the trial and error of actually investing in global ETFs as a Malaysian. This book is everything I wish someone had handed me at the start.
It's for you if you're tired of paying 3% to 5% upfront just to invest in a unit trust. Or if you've been wanting to buy global ETFs but didn't know where to start.
Covers the fee comparison, the halal blueprints, and step-by-step guides for IBKR and Moomoo.
No opt-in, no form. Just download it below and share it with someone who needs it.👇
I spent years figuring this out. The mistakes, the research, the trial and error of actually investing in global ETFs as a Malaysian. This book is everything I wish someone had handed me at the start.
It's for you if you're tired of paying 3% to 5% upfront just to invest in a unit trust. Or if you've been wanting to buy global ETFs but didn't know where to start.
Covers the fee comparison, the halal blueprints, and step-by-step guides for IBKR and Moomoo.
No opt-in, no form. Just download it below and share it with someone who needs it.👇
📅 THE DUIT EDIT — Friday Edition
31 July 2026
Why does a steel watch cost RM60,000 in the first place?
The Reel showed you the number. RM60,000 Datejust 41. RM735 a month if you invest at 12% over 5 years, versus RM1,000 a month saving flat. RM265 a month difference for the exact same watch.
But here's what the math doesn't explain: why this particular watch holds that price at all.
The Datejust has been in continuous production for over 80 years. Longer than almost any other Rolex model still made today. It's not the flashiest reference in the catalogue. No ceramic bezel, no chronograph pushers, no sports associations. Just a clean dial, a date window, and a bracelet. And that's exactly why it's held its position, it's the reference every other "dress watch" gets measured against.
The specific configuration in the Reel, Oystersteel case, white gold fluted bezel, blue sunray dial, Jubilee bracelet is what collectors call the most iconic modern Datejust setup. Not the rarest. Not the most expensive. The most *correct* version of the model, the one Rolex itself photographs for every catalogue.
That matters for resale. Datejust 41 models in this configuration typically retain 85–90% of retail value after three years. Compare that to almost any other luxury good, a car loses 40–50% in the same window. A watch in this exact spec barely moves.
Why? Two reasons. First, the dial. Rolex has produced hundreds of dial variations across the Datejust's history: blue sunray, Wimbledon, mint green, fluted motif and certain combinations command real premiums on the secondary market. This blue dial on Jubilee happens to be one of the most requested configurations at boutiques right now, which keeps resale demand high. Second, the movement. Caliber 3235 inside this piece runs a 70-hour power reserve with Rolex's Chronergy escapement, genuinely newer tech than what most competing brands offer at double the price.
None of this changes the math from the Reel. RM60,000 is RM60,000 whether you save for it or invest toward it. But it explains why RM60,000 for this specific watch is a defensible number, and not just a marketing price tag. The resale floor is real. Most luxury purchases don't have one.
If you're weighing a purchase like this against just saving cash in a normal account, the resale value is actually part of the calculation. A RM60,000 watch that's still worth RM51,000–54,000 in three years is a very different decision than RM60,000 spent on something that depreciates to zero.
Comment ROLEX on my latest Reel and I'll send you the calculator — plug in any luxury goal, any price, and it shows you exactly what you need to set aside monthly to get there.
💡 Weighing a big purchase like this against your investment goals? FinanceInsight shows you your full portfolio in one view, so you know exactly what a purchase like this actually costs you long-term. Free to get started.
📲 Follow more at Instagram → @armand.iskandar
31 July 2026
Why does a steel watch cost RM60,000 in the first place?
The Reel showed you the number. RM60,000 Datejust 41. RM735 a month if you invest at 12% over 5 years, versus RM1,000 a month saving flat. RM265 a month difference for the exact same watch.
But here's what the math doesn't explain: why this particular watch holds that price at all.
The Datejust has been in continuous production for over 80 years. Longer than almost any other Rolex model still made today. It's not the flashiest reference in the catalogue. No ceramic bezel, no chronograph pushers, no sports associations. Just a clean dial, a date window, and a bracelet. And that's exactly why it's held its position, it's the reference every other "dress watch" gets measured against.
The specific configuration in the Reel, Oystersteel case, white gold fluted bezel, blue sunray dial, Jubilee bracelet is what collectors call the most iconic modern Datejust setup. Not the rarest. Not the most expensive. The most *correct* version of the model, the one Rolex itself photographs for every catalogue.
That matters for resale. Datejust 41 models in this configuration typically retain 85–90% of retail value after three years. Compare that to almost any other luxury good, a car loses 40–50% in the same window. A watch in this exact spec barely moves.
Why? Two reasons. First, the dial. Rolex has produced hundreds of dial variations across the Datejust's history: blue sunray, Wimbledon, mint green, fluted motif and certain combinations command real premiums on the secondary market. This blue dial on Jubilee happens to be one of the most requested configurations at boutiques right now, which keeps resale demand high. Second, the movement. Caliber 3235 inside this piece runs a 70-hour power reserve with Rolex's Chronergy escapement, genuinely newer tech than what most competing brands offer at double the price.
None of this changes the math from the Reel. RM60,000 is RM60,000 whether you save for it or invest toward it. But it explains why RM60,000 for this specific watch is a defensible number, and not just a marketing price tag. The resale floor is real. Most luxury purchases don't have one.
If you're weighing a purchase like this against just saving cash in a normal account, the resale value is actually part of the calculation. A RM60,000 watch that's still worth RM51,000–54,000 in three years is a very different decision than RM60,000 spent on something that depreciates to zero.
Comment ROLEX on my latest Reel and I'll send you the calculator — plug in any luxury goal, any price, and it shows you exactly what you need to set aside monthly to get there.
💡 Weighing a big purchase like this against your investment goals? FinanceInsight shows you your full portfolio in one view, so you know exactly what a purchase like this actually costs you long-term. Free to get started.
📲 Follow more at Instagram → @armand.iskandar
financeinsight.my
FinanceInsight Pro — Personal Finance App for Malaysian Investors
FinanceInsight Pro helps Malaysian investors track their portfolio, analyse spending, and get AI-powered financial insights. Built for Malaysia — RM, local banks, ASNB supported.
The Duit Edit pinned «I wrote a full guide on building a global ETF portfolio as a Malaysian. And I'm giving it away free to everyone in this channel. I spent years figuring this out. The mistakes, the research, the trial and error of actually investing in global ETFs as a Malaysian.…»
📅 THE DUIT EDIT — Sunday Edition
2 August 2026
Tabung Haji reported a RM3.4 billion profit in 2017. The real number was a RM1.4 billion loss. The difference? Nearly RM4.8 billion. And millions of Malaysians had no idea.
That's what the RCI report confirmed on July 29, after sitting classified for four years.
Here's what actually happened.
By 2015, Tabung Haji's reserves had already turned negative. But hibah, the annual profit distribution paid to depositors kept being paid out anyway. Not because the money was there. But because stopping the payouts would have raised questions nobody wanted to answer.
At the same time, TH was sitting on RM1.059 billion in unrealised losses from a single investment in FGV Holdings. There were 13 other troubled investments identified by the RCI. None of this was visible in the official accounts.
Then came the rescue. A special purpose vehicle called Urusharta Jamaah Sdn Bhd took over TH's sick assets. Assets booked at RM19.9 billion, but worth only RM9.63 billion in the market. The government absorbed the RM10.3 billion gap. Paid through sukuk. Ultimately borne by the public.
The part most people are missing.
Everyone is focused on who is to blame. That matters and MACC has formed a task force to investigate. But for you as an investor, the more useful question is this: what actually protected depositors?
Not the governance. Not the board. Not the audited accounts. What protected you was the government guarantee on TH deposits. That single backstop is why nobody lost their savings despite a fund that had negative reserves for years.
That guarantee didn't come free. It came with a RM10.3 billion bill to the public. And it only worked because TH is a government-linked institution.
Not every institution you put money into has that backstop.
What this means for how you think about your money.
Institutional trust and institutional competence are not the same thing. TH had decades of trust. Millions of depositors. Government backing. And it still took years of governance failure before anything surfaced publicly.
The lesson isn't to pull your money out of TH. The fund's position today is genuinely more stable, profit distribution has recovered from 1.25% in 2018 to 3.5% in 2025, and 75% of the RCI's recommendations have already been implemented.
The lesson is simpler than that. Know what backs your money. Not just the brand, not just the track record. What is the actual mechanism that protects you if things go wrong?
For TH depositors, it was a government guarantee. For EPF members, there's a similar structure. For unit trust investors, the assets are held by an independent trustee, meaning even if the fund house collapses, your units are protected. For money in a broker account, that depends entirely on the platform and the jurisdiction.
These are not questions to panic about. They're questions to have answered before you put money somewhere, not after.
Where TH goes from here.
The RCI scope has now been expanded to cover the PH and PN administration periods as well, not just 2014 to 2018. This story isn't closing. It's widening. More findings will surface over the coming months.
For now, TH deposits remain government-guaranteed. The fund is recovering. But the conversation about governance, political interference, and transparency in public financial institutions, that's one worth following closely, especially as GE16 speculation builds.
via Malay Mail, The Star, NST, FMT, 29–31 July 2026
💡 Do you actually know what's backing each account in your portfolio? FinanceInsight lets you see all your investments in one place — so you know exactly what you hold and where it sits. Free to get started.
📲 More on Instagram → @armand.iskandar
2 August 2026
Tabung Haji reported a RM3.4 billion profit in 2017. The real number was a RM1.4 billion loss. The difference? Nearly RM4.8 billion. And millions of Malaysians had no idea.
That's what the RCI report confirmed on July 29, after sitting classified for four years.
Here's what actually happened.
By 2015, Tabung Haji's reserves had already turned negative. But hibah, the annual profit distribution paid to depositors kept being paid out anyway. Not because the money was there. But because stopping the payouts would have raised questions nobody wanted to answer.
At the same time, TH was sitting on RM1.059 billion in unrealised losses from a single investment in FGV Holdings. There were 13 other troubled investments identified by the RCI. None of this was visible in the official accounts.
Then came the rescue. A special purpose vehicle called Urusharta Jamaah Sdn Bhd took over TH's sick assets. Assets booked at RM19.9 billion, but worth only RM9.63 billion in the market. The government absorbed the RM10.3 billion gap. Paid through sukuk. Ultimately borne by the public.
The part most people are missing.
Everyone is focused on who is to blame. That matters and MACC has formed a task force to investigate. But for you as an investor, the more useful question is this: what actually protected depositors?
Not the governance. Not the board. Not the audited accounts. What protected you was the government guarantee on TH deposits. That single backstop is why nobody lost their savings despite a fund that had negative reserves for years.
That guarantee didn't come free. It came with a RM10.3 billion bill to the public. And it only worked because TH is a government-linked institution.
Not every institution you put money into has that backstop.
What this means for how you think about your money.
Institutional trust and institutional competence are not the same thing. TH had decades of trust. Millions of depositors. Government backing. And it still took years of governance failure before anything surfaced publicly.
The lesson isn't to pull your money out of TH. The fund's position today is genuinely more stable, profit distribution has recovered from 1.25% in 2018 to 3.5% in 2025, and 75% of the RCI's recommendations have already been implemented.
The lesson is simpler than that. Know what backs your money. Not just the brand, not just the track record. What is the actual mechanism that protects you if things go wrong?
For TH depositors, it was a government guarantee. For EPF members, there's a similar structure. For unit trust investors, the assets are held by an independent trustee, meaning even if the fund house collapses, your units are protected. For money in a broker account, that depends entirely on the platform and the jurisdiction.
These are not questions to panic about. They're questions to have answered before you put money somewhere, not after.
Where TH goes from here.
The RCI scope has now been expanded to cover the PH and PN administration periods as well, not just 2014 to 2018. This story isn't closing. It's widening. More findings will surface over the coming months.
For now, TH deposits remain government-guaranteed. The fund is recovering. But the conversation about governance, political interference, and transparency in public financial institutions, that's one worth following closely, especially as GE16 speculation builds.
via Malay Mail, The Star, NST, FMT, 29–31 July 2026
💡 Do you actually know what's backing each account in your portfolio? FinanceInsight lets you see all your investments in one place — so you know exactly what you hold and where it sits. Free to get started.
📲 More on Instagram → @armand.iskandar
Malay Mail
Tabung Haji welcomes RCI report release, but says it has ‘already moved on’
KUALA LUMPUR, July 29 — Lembaga Tabung Haji (TH) has embraced the government’s decision to release the Royal Commission of Inquiry (RCI) report to the public, asserting that...
📅 THE DUIT EDIT — Monday Edition
3 August 2026
KWAP lost RM163.4 million. Here's what they missed and what you should never miss either.
Here's the part the news coverage skipped.
KWAP didn't just stumble into a bad startup. They walked in alongside Temasek, SoftBank, and 42XFund, some of the most recognised institutional investors in Asia. RM163.4 million for a 2.51% stake in what looked like Indonesia's hottest agritech unicorn. Valuation: US$1.4 billion. External audits: passed. Due diligence: done.
And yet.
eFishery's management had been running two sets of books since 2018. One for internal use. One for investors. By 2024, they had inflated revenue from US$157 million to US$752 million, reporting a US$16 million profit when the real figure was a US$35 million loss. The fraud unravelled in December 2024 only because a whistleblower went to the board. Nobody's audit caught it.
The part that should concern every investor here:
KWAP invested partly because Temasek was already in. Temasek stayed partly because SoftBank was there too. SoftBank trusted the cap table. Nobody was the sceptic because everybody assumed somebody else had been. That's not negligence. That's social proof operating at institutional scale.
And your portfolio does the same thing, just smaller.
When a unit trust is consistently in the "top performer" list and your bank advisor says everyone's moving there, that's the same logic. When a stock is trending on Reddit or X and the comment section is full of people already holding it, same logic. When "all the smart money is in [X]" becomes your reason to put money in X, you're doing exactly what KWAP did, at your own scale.
The lesson isn't "don't trust institutions." The lesson is: co-investors are not due diligence.
Asking "who else is in?" is a fine starting question. It should never be the last one.
Three questions to ask before any investment that no one else can answer for you:
1. Do I understand how this generates returns?
If you can't explain it in two sentences, you don't understand it well enough to own it.
2. What would have to be true for this to go wrong?
Most investors only imagine the upside. The downside scenario is the one that matters.
3. Am I here because I researched it or because I didn't want to miss out?
FOMO is not a thesis. Reassurance from other people's presence is not a thesis either.
KWAP is now pursuing recovery through legal channels. Realistic expectation: some cents on the ringgit, across a border, through the Indonesian court system. eFishery's actual business, the real feeders, the real farmers was a fraction of what the books claimed. There isn't much left to recover.
The CEO got nine years. The investors got the bill.
via KWAP Official Statement, 18 July 2026 | Malay Mail, 18 July 2026
💡 Not sure what your total portfolio is actually worth right now — across all your platforms? FinanceInsight consolidates everything in one view. Free to get started.
📲 Follow for more at Instagram → @armand.iskandar
3 August 2026
KWAP lost RM163.4 million. Here's what they missed and what you should never miss either.
Here's the part the news coverage skipped.
KWAP didn't just stumble into a bad startup. They walked in alongside Temasek, SoftBank, and 42XFund, some of the most recognised institutional investors in Asia. RM163.4 million for a 2.51% stake in what looked like Indonesia's hottest agritech unicorn. Valuation: US$1.4 billion. External audits: passed. Due diligence: done.
And yet.
eFishery's management had been running two sets of books since 2018. One for internal use. One for investors. By 2024, they had inflated revenue from US$157 million to US$752 million, reporting a US$16 million profit when the real figure was a US$35 million loss. The fraud unravelled in December 2024 only because a whistleblower went to the board. Nobody's audit caught it.
The part that should concern every investor here:
KWAP invested partly because Temasek was already in. Temasek stayed partly because SoftBank was there too. SoftBank trusted the cap table. Nobody was the sceptic because everybody assumed somebody else had been. That's not negligence. That's social proof operating at institutional scale.
And your portfolio does the same thing, just smaller.
When a unit trust is consistently in the "top performer" list and your bank advisor says everyone's moving there, that's the same logic. When a stock is trending on Reddit or X and the comment section is full of people already holding it, same logic. When "all the smart money is in [X]" becomes your reason to put money in X, you're doing exactly what KWAP did, at your own scale.
The lesson isn't "don't trust institutions." The lesson is: co-investors are not due diligence.
Asking "who else is in?" is a fine starting question. It should never be the last one.
Three questions to ask before any investment that no one else can answer for you:
1. Do I understand how this generates returns?
If you can't explain it in two sentences, you don't understand it well enough to own it.
2. What would have to be true for this to go wrong?
Most investors only imagine the upside. The downside scenario is the one that matters.
3. Am I here because I researched it or because I didn't want to miss out?
FOMO is not a thesis. Reassurance from other people's presence is not a thesis either.
KWAP is now pursuing recovery through legal channels. Realistic expectation: some cents on the ringgit, across a border, through the Indonesian court system. eFishery's actual business, the real feeders, the real farmers was a fraction of what the books claimed. There isn't much left to recover.
The CEO got nine years. The investors got the bill.
via KWAP Official Statement, 18 July 2026 | Malay Mail, 18 July 2026
💡 Not sure what your total portfolio is actually worth right now — across all your platforms? FinanceInsight consolidates everything in one view. Free to get started.
📲 Follow for more at Instagram → @armand.iskandar
KWAP
KWAP Clarifies its Investments in eFishery - KWAP
KUALA LUMPUR, 18 July 2026 – Kumpulan Wang Persaraan (Diperbadankan) [KWAP] acknowledges the concerns raised following recent media reports regarding its investment in eFishery. The broader eFishery case involved deliberate financial manipulation and misrepresentation…
📅 THE DUIT EDIT — Wednesday Edition
5 August 2026
The Reel showed you the number. RM3,321,344 invested at 10% and your dividends pay the mortgage on a RM6.6 million house every year.
But nobody asks the next question: how long does it actually take to build RM3.3 million?
Here's the math.
At 10% annualised returns. What most global equity ETFs have delivered over the long run and consistent monthly contributions:
RM3,000/month → 23.3 years
RM5,000/month → 18.9 years
RM8,000/month → 15.0 years
RM10,000/month → 13.3 years
Same target. Same 10% return. The only variable is how much you put in every month.
For a 28-year-old earning RM7,000 a month, RM5,000/month going into investments sounds aggressive. That's 71% of gross. Nobody's doing that.
But here's where the framing shifts. You don't need to build the full RM3.3 million before buying the house. You need to build it before you need the portfolio to start paying the mortgage.
Most people in their 30s who buy aspirational property are still servicing the loan from their salary. The portfolio is running in parallel, growing alongside the mortgage. By the time the salary stops being enough, the portfolio is supposed to be there.
That changes the timeline completely.
And it changes how you think about every investment decision between now and that house.
RM1,000 more a month into your portfolio today doesn't just compound. It shaves years off the timeline.
Comment PROPERTY on my latest reel and I'll send you a calculator to run your own numbers: any property, any mortgage rate, any yield target.
💡 Want to see how your current investments are tracking against a goal like this? FinanceInsight consolidates your full portfolio in one view so you can see the number clearly. Free to get started.
📲 More on Instagram → @armand.iskandar
5 August 2026
The Reel showed you the number. RM3,321,344 invested at 10% and your dividends pay the mortgage on a RM6.6 million house every year.
But nobody asks the next question: how long does it actually take to build RM3.3 million?
Here's the math.
At 10% annualised returns. What most global equity ETFs have delivered over the long run and consistent monthly contributions:
RM3,000/month → 23.3 years
RM5,000/month → 18.9 years
RM8,000/month → 15.0 years
RM10,000/month → 13.3 years
Same target. Same 10% return. The only variable is how much you put in every month.
For a 28-year-old earning RM7,000 a month, RM5,000/month going into investments sounds aggressive. That's 71% of gross. Nobody's doing that.
But here's where the framing shifts. You don't need to build the full RM3.3 million before buying the house. You need to build it before you need the portfolio to start paying the mortgage.
Most people in their 30s who buy aspirational property are still servicing the loan from their salary. The portfolio is running in parallel, growing alongside the mortgage. By the time the salary stops being enough, the portfolio is supposed to be there.
That changes the timeline completely.
And it changes how you think about every investment decision between now and that house.
RM1,000 more a month into your portfolio today doesn't just compound. It shaves years off the timeline.
Comment PROPERTY on my latest reel and I'll send you a calculator to run your own numbers: any property, any mortgage rate, any yield target.
💡 Want to see how your current investments are tracking against a goal like this? FinanceInsight consolidates your full portfolio in one view so you can see the number clearly. Free to get started.
📲 More on Instagram → @armand.iskandar
financeinsight.my
FinanceInsight Pro — Personal Finance App for Malaysian Investors
FinanceInsight Pro helps Malaysian investors track their portfolio, analyse spending, and get AI-powered financial insights. Built for Malaysia — RM, local banks, ASNB supported.
📅 THE DUIT EDIT — Friday Edition
7 August 2026
The Reel showed you the monthly number. RM1,041 into SPUS for 5 years and you have your RM85,000 Pepsi.
But here's what happens if you don't stop at month 60.
The investor putting in RM1,041 a month hits the goal at year 5. The watch gets bought. But those SPUS contributions? They've been running for 5 years. The portfolio is already built and compounding. If they keep the same RM1,041 going for another 5 years on top of that RM85,000 base:
Year 10 portfolio: RM239,419.
Same monthly discipline. Same ETF. The only difference is they kept going after the goal was reached.
Now compare that to the saver who put aside RM2,361 a month for 3 years, bought the watch in cash, and stopped. No portfolio. Just the watch.
The investor ends up with the watch AND a RM239k portfolio. The saver ends up with just the watch.
That's the part the saving vs investing math doesn't show you. The asymmetry isn't just in the monthly number. It's in what's left behind after the goal is hit.
One more thing worth knowing. Rolex discontinued the GMT-Master II 126710BLRO in April 2026. The Pepsi bezel is no longer in production. Secondary market prices on discontinued references historically don't go down, they contract in supply and tend to drift higher over time. The RM85,000 you're saving toward today might be RM90,000 or RM95,000 by the time you get there if you're saving flat.
The investor compounding at 12% has a better chance of keeping up with that drift. The flat saver doesn't.
Comment ROLEX on my latest reel and I'll send you the calculator — plug in any goal, any price, works for anything.
💡 Tracking your SPUS position alongside your local investments? FinanceInsight consolidates everything in one portfolio view so you can see the full picture clearly. Free to get started.
📲 More on Instagram
7 August 2026
The Reel showed you the monthly number. RM1,041 into SPUS for 5 years and you have your RM85,000 Pepsi.
But here's what happens if you don't stop at month 60.
The investor putting in RM1,041 a month hits the goal at year 5. The watch gets bought. But those SPUS contributions? They've been running for 5 years. The portfolio is already built and compounding. If they keep the same RM1,041 going for another 5 years on top of that RM85,000 base:
Year 10 portfolio: RM239,419.
Same monthly discipline. Same ETF. The only difference is they kept going after the goal was reached.
Now compare that to the saver who put aside RM2,361 a month for 3 years, bought the watch in cash, and stopped. No portfolio. Just the watch.
The investor ends up with the watch AND a RM239k portfolio. The saver ends up with just the watch.
That's the part the saving vs investing math doesn't show you. The asymmetry isn't just in the monthly number. It's in what's left behind after the goal is hit.
One more thing worth knowing. Rolex discontinued the GMT-Master II 126710BLRO in April 2026. The Pepsi bezel is no longer in production. Secondary market prices on discontinued references historically don't go down, they contract in supply and tend to drift higher over time. The RM85,000 you're saving toward today might be RM90,000 or RM95,000 by the time you get there if you're saving flat.
The investor compounding at 12% has a better chance of keeping up with that drift. The flat saver doesn't.
Comment ROLEX on my latest reel and I'll send you the calculator — plug in any goal, any price, works for anything.
💡 Tracking your SPUS position alongside your local investments? FinanceInsight consolidates everything in one portfolio view so you can see the full picture clearly. Free to get started.
📲 More on Instagram
financeinsight.my
FinanceInsight Pro — Personal Finance App for Malaysian Investors
FinanceInsight Pro helps Malaysian investors track their portfolio, analyse spending, and get AI-powered financial insights. Built for Malaysia — RM, local banks, ASNB supported.
📅 THE DUIT EDIT — Monday Edition
10 August 2026
The CEO pay story is really a question about your unit trust.
You almost certainly own Maybank or CIMB. Not directly but through ASB, through your EPF-linked unit trust, through a balanced fund your agent sold you three years ago. These two banks are the largest weights in virtually every Malaysian equity fund. So when the FY2025 numbers came out this week: Maybank at RM15.19 million, CIMB at RM11.74 million, the real question isn't what the CEOs earned. It's whether the banks are earning enough for you to keep holding them.
Here's how to check. Three numbers. Takes ten minutes.
1. Dividend yield
Maybank has averaged 5–6% dividend yield over the past five years. CIMB has been similar, closer to 5%. Compare that to a 12-month FD right now, roughly 3.5 to 4% at most banks. If the dividend yield is consistently higher than FD, the bank is earning enough to justify the equity risk. If it's not, you're holding risk without the reward.
2. Return on equity (ROE)
This is the number CEO pay is actually pegged to. It tells you how efficiently the bank is turning shareholder money into profit. Maybank's ROE has been around 10–11%. CIMB has been improving, from around 9% toward 11–12%. A bank with a rising ROE is doing what you want, getting more profitable per ringgit of capital. A falling ROE is a warning sign, regardless of how big the dividend looks.
3. Net interest margin (NIM) trend
This one matters now specifically. With OPR holding at 3%, Malaysian banks have had stable NIMs. But if OPR comes down, which BNM has signalled is possible in 2026. NIMs compress. Lower NIM means lower profit. Which means lower dividend. You don't need to model this exactly. You just need to know it's the risk on the table.
If your fund holds these banks and you've never looked at these three numbers, you're relying on a manager you've never met to make that call for you. That's fine if the fund is performing. But you should know what you're trusting.
💡 Want to see exactly which banks are inside your unit trust? FinanceInsight lets you track all your funds in one place so you can see the underlying holdings without logging into five different platforms. Free to get started.
📲 Follow more at Instagram
10 August 2026
The CEO pay story is really a question about your unit trust.
You almost certainly own Maybank or CIMB. Not directly but through ASB, through your EPF-linked unit trust, through a balanced fund your agent sold you three years ago. These two banks are the largest weights in virtually every Malaysian equity fund. So when the FY2025 numbers came out this week: Maybank at RM15.19 million, CIMB at RM11.74 million, the real question isn't what the CEOs earned. It's whether the banks are earning enough for you to keep holding them.
Here's how to check. Three numbers. Takes ten minutes.
1. Dividend yield
Maybank has averaged 5–6% dividend yield over the past five years. CIMB has been similar, closer to 5%. Compare that to a 12-month FD right now, roughly 3.5 to 4% at most banks. If the dividend yield is consistently higher than FD, the bank is earning enough to justify the equity risk. If it's not, you're holding risk without the reward.
2. Return on equity (ROE)
This is the number CEO pay is actually pegged to. It tells you how efficiently the bank is turning shareholder money into profit. Maybank's ROE has been around 10–11%. CIMB has been improving, from around 9% toward 11–12%. A bank with a rising ROE is doing what you want, getting more profitable per ringgit of capital. A falling ROE is a warning sign, regardless of how big the dividend looks.
3. Net interest margin (NIM) trend
This one matters now specifically. With OPR holding at 3%, Malaysian banks have had stable NIMs. But if OPR comes down, which BNM has signalled is possible in 2026. NIMs compress. Lower NIM means lower profit. Which means lower dividend. You don't need to model this exactly. You just need to know it's the risk on the table.
If your fund holds these banks and you've never looked at these three numbers, you're relying on a manager you've never met to make that call for you. That's fine if the fund is performing. But you should know what you're trusting.
💡 Want to see exactly which banks are inside your unit trust? FinanceInsight lets you track all your funds in one place so you can see the underlying holdings without logging into five different platforms. Free to get started.
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FinanceInsight Pro — Personal Finance App for Malaysian Investors
FinanceInsight Pro helps Malaysian investors track their portfolio, analyse spending, and get AI-powered financial insights. Built for Malaysia — RM, local banks, ASNB supported.
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📅 THE DUIT EDIT — Wednesday Edition
12 August 2026
You've decided to start. Now what, actually?
The Reel showed you the number: RM500 a month compounding at 17.5% over 20 years gets you past RM1 million. The math is done. But the most common question I get after someone sees that number is: *okay but how do I actually set this up?*
So here's what "starting" actually looks like, step by step.
Step 1 — Pick one ETF. Not three. One.
The paralysis usually comes from having too many options. IGDA, CSPX, SPUS, QQQ: they all do the same core job: give you exposure to global markets in one ticker. For a Shariah-compliant option, IGDA (Invesco Dow Jones Islamic Global Developed Markets ETF) is what I used in today's Reel is 17.5% annualised over 3 years as of July 2026. For a non-Shariah option, CSPX tracks the S&P 500. Pick one that fits your situation and move on. You can always add more later. Right now the goal is to start.
Step 2 — Open the right account.
To buy IGDA or CSPX, you need a broker that gives you access to the London Stock Exchange (LSE). In Malaysia, that's Interactive Brokers (IBKR). Moomoo and WeBull give you US market access, good for US-listed ETFs like SPY or QQQ. FSMOne works for unit trusts and some ETFs. If you haven't opened any of these yet, IBKR is where I'd start for LSE access.
Step 3 — Set up a recurring buy.
This is the part most people skip. They buy once, forget to buy next month, and three months later they've "invested" RM500 once instead of RM1,500. Set a calendar reminder on gaji day. Same amount. Same ETF. Every month. That consistency is literally the whole strategy, it's what the compounding math assumes.
Step 4 — Don't check it every day.
Seriously. Set it, forget it for a quarter, then review. Daily price checking is how disciplined investors turn into emotional ones.
The gap between knowing the math and having the money working isn't knowledge. It's these four steps. Most people stop between step 1 and step 2.
Comment PLAN on today's Reel and I'll send you a calculator — plug in your monthly amount and time horizon and it'll show you exactly where you end up in both ASB and your chosen ETF.
💡 Once you've started investing globally, the next thing worth tracking is your total portfolio in one place — EPF, ASB, ETF, unit trusts, everything. FinanceInsight consolidates all of it so you can see your real net investment position. Free to get started.
📲 More on building a global portfolio from Malaysia at Instagram
12 August 2026
You've decided to start. Now what, actually?
The Reel showed you the number: RM500 a month compounding at 17.5% over 20 years gets you past RM1 million. The math is done. But the most common question I get after someone sees that number is: *okay but how do I actually set this up?*
So here's what "starting" actually looks like, step by step.
Step 1 — Pick one ETF. Not three. One.
The paralysis usually comes from having too many options. IGDA, CSPX, SPUS, QQQ: they all do the same core job: give you exposure to global markets in one ticker. For a Shariah-compliant option, IGDA (Invesco Dow Jones Islamic Global Developed Markets ETF) is what I used in today's Reel is 17.5% annualised over 3 years as of July 2026. For a non-Shariah option, CSPX tracks the S&P 500. Pick one that fits your situation and move on. You can always add more later. Right now the goal is to start.
Step 2 — Open the right account.
To buy IGDA or CSPX, you need a broker that gives you access to the London Stock Exchange (LSE). In Malaysia, that's Interactive Brokers (IBKR). Moomoo and WeBull give you US market access, good for US-listed ETFs like SPY or QQQ. FSMOne works for unit trusts and some ETFs. If you haven't opened any of these yet, IBKR is where I'd start for LSE access.
Step 3 — Set up a recurring buy.
This is the part most people skip. They buy once, forget to buy next month, and three months later they've "invested" RM500 once instead of RM1,500. Set a calendar reminder on gaji day. Same amount. Same ETF. Every month. That consistency is literally the whole strategy, it's what the compounding math assumes.
Step 4 — Don't check it every day.
Seriously. Set it, forget it for a quarter, then review. Daily price checking is how disciplined investors turn into emotional ones.
The gap between knowing the math and having the money working isn't knowledge. It's these four steps. Most people stop between step 1 and step 2.
Comment PLAN on today's Reel and I'll send you a calculator — plug in your monthly amount and time horizon and it'll show you exactly where you end up in both ASB and your chosen ETF.
💡 Once you've started investing globally, the next thing worth tracking is your total portfolio in one place — EPF, ASB, ETF, unit trusts, everything. FinanceInsight consolidates all of it so you can see your real net investment position. Free to get started.
📲 More on building a global portfolio from Malaysia at Instagram
financeinsight.my
FinanceInsight Pro — Personal Finance App for Malaysian Investors
FinanceInsight Pro helps Malaysian investors track their portfolio, analyse spending, and get AI-powered financial insights. Built for Malaysia — RM, local banks, ASNB supported.
📅 THE DUIT EDIT — Friday Edition
14 August 2026
Same Hulk. Less money out of pocket. But here's the question the Reel didn't answer: why does the Hulk cost RM85,000 in the first place?
Most people treat a watch purchase as a pure expense. The Hulk isn't quite that. Understanding why changes how you think about saving for one.
What makes the Hulk worth what it is
The ref. 116610LV, the one with both the green dial and green ceramic bezel was only produced from 2010 to 2020. Ten years. Then Rolex killed it. The replacement, the "Starbucks" (126610LV), uses a green bezel but reverts to a black dial. No all-green Submariner has been made since. That "only ten years, no successor" story is what turned the Hulk into a collector's reference point for how discontinued Rolex sport watches behave.
At its 2022 peak, an unworn Hulk was changing hands at around $32,000 USD. The broader watch market correction brought it back down. Today it sits at roughly $18,000–$22,000 USD on the grey market, still 100% to 175% above its original retail price. In ringgit, depending on condition and provenance, that lands around RM85,000 for a solid pre-owned example. Not cheap. But not a depreciating asset either.
What this means if you're buying one
Unlike most luxury purchases that drop in value the moment you own them: a new car, new tech, most jewellery, a well-bought Hulk has historically held or grown its value on the secondary market. That doesn't make it an investment. Past performance, discontinued production, grey market liquidity, all of these can shift. But it does mean you're not buying something that will be worth half its price in five years.
The more important implication: the RM85,000 figure in today's Reel is a *secondary market* price, not a boutique retail price. You won't find one in a Rolex AD. You're buying pre-owned, which means condition, box and papers, service history, and seller reputation all matter significantly to what you actually get for your money.
The smarter way to approach it
If you're building toward a Hulk, you're really building toward a secondary market purchase. Which means three things:
One — the price moves. RM85,000 today might be RM80,000 or RM90,000 by the time you hit your number. Build a small buffer into your target.
Two — where you buy matters. Chrono24, authorised grey market dealers, or established local watch communities are your starting points. Never a random online listing.
Three — the ROLEX calculator from today's Reel works for any target price. If the Hulk moves to RM90,000 before you're ready, plug the new number in and your monthly amount updates automatically.
Comment ROLEX on today's Reel and I'll send you the calculator. Plug in any price, any timeline.
💡 If you're building toward a big goal like this, tracking your progress in one place helps. FinanceInsight lets you see your full portfolio — EPF, ASB, ETF, everything. So you know exactly how far away you are from your number at any point. Free to get started.
📲 More on goal-based investing at Instagram
14 August 2026
Same Hulk. Less money out of pocket. But here's the question the Reel didn't answer: why does the Hulk cost RM85,000 in the first place?
Most people treat a watch purchase as a pure expense. The Hulk isn't quite that. Understanding why changes how you think about saving for one.
What makes the Hulk worth what it is
The ref. 116610LV, the one with both the green dial and green ceramic bezel was only produced from 2010 to 2020. Ten years. Then Rolex killed it. The replacement, the "Starbucks" (126610LV), uses a green bezel but reverts to a black dial. No all-green Submariner has been made since. That "only ten years, no successor" story is what turned the Hulk into a collector's reference point for how discontinued Rolex sport watches behave.
At its 2022 peak, an unworn Hulk was changing hands at around $32,000 USD. The broader watch market correction brought it back down. Today it sits at roughly $18,000–$22,000 USD on the grey market, still 100% to 175% above its original retail price. In ringgit, depending on condition and provenance, that lands around RM85,000 for a solid pre-owned example. Not cheap. But not a depreciating asset either.
What this means if you're buying one
Unlike most luxury purchases that drop in value the moment you own them: a new car, new tech, most jewellery, a well-bought Hulk has historically held or grown its value on the secondary market. That doesn't make it an investment. Past performance, discontinued production, grey market liquidity, all of these can shift. But it does mean you're not buying something that will be worth half its price in five years.
The more important implication: the RM85,000 figure in today's Reel is a *secondary market* price, not a boutique retail price. You won't find one in a Rolex AD. You're buying pre-owned, which means condition, box and papers, service history, and seller reputation all matter significantly to what you actually get for your money.
The smarter way to approach it
If you're building toward a Hulk, you're really building toward a secondary market purchase. Which means three things:
One — the price moves. RM85,000 today might be RM80,000 or RM90,000 by the time you hit your number. Build a small buffer into your target.
Two — where you buy matters. Chrono24, authorised grey market dealers, or established local watch communities are your starting points. Never a random online listing.
Three — the ROLEX calculator from today's Reel works for any target price. If the Hulk moves to RM90,000 before you're ready, plug the new number in and your monthly amount updates automatically.
Comment ROLEX on today's Reel and I'll send you the calculator. Plug in any price, any timeline.
💡 If you're building toward a big goal like this, tracking your progress in one place helps. FinanceInsight lets you see your full portfolio — EPF, ASB, ETF, everything. So you know exactly how far away you are from your number at any point. Free to get started.
📲 More on goal-based investing at Instagram
financeinsight.my
FinanceInsight Pro — Personal Finance App for Malaysian Investors
FinanceInsight Pro helps Malaysian investors track their portfolio, analyse spending, and get AI-powered financial insights. Built for Malaysia — RM, local banks, ASNB supported.
📅 THE DUIT EDIT — Sunday Edition
16 August 2026
Malaysia's economy grew 6% in Q2. Beat every forecast. Strongest second-quarter growth since 2014 outside the pandemic years.
And Bursa closed lower on the same day.
The KLCI dropped 7.32 points to 1,727 despite the GDP beat. That's not a glitch. That's how markets work.
Here's the part most people miss: markets price in expectations, not results. By the time BNM announced the number on August 14, investors had already moved past it. The new question was, can the second half of 2026 deliver the same, and will it actually convert into corporate earnings? When results match or beat expectations, prices often don't move. Because they already moved when the expectation was set.
Good news for the economy is not automatically good news for your portfolio. These are two different things.
What actually matters for your money right now:
Inflation ticked up slightly to 1.9%, partly driven by higher fuel prices from the Middle East conflict. Core inflation moderated to 1.9% from 2.1% in Q1. No OPR move signalled. Borrowing costs stay steady. Fixed deposit rates stay where they are.
The AI angle — a big chunk of Q2 growth came from E&E manufacturing driven by AI-related semiconductor demand. If you hold CSPX, QQQ, or SMH, your portfolio already has exposure to the same tailwind. The Malaysian economy benefiting from the AI upcycle is your global portfolio benefiting from the same thing, just through a different door.
The ringgit firmed on the back of the GDP beat. Stable ringgit means your global ETF purchases are not getting eaten by currency moves right now. That's a decent environment to keep your regular contributions going.
The takeaway: don't read GDP headlines as buy or sell signals. Read them as context for where the economy sits. The number that actually moves your wealth is what you put in, how consistently, and for how long.
via Free Malaysia Today and The Edge Malaysia, 14 August 2026
💡 Wondering how market news actually affects your portfolio? FinanceInsight keeps all your investments in one clear view so you can see the real impact. Free to get started.
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16 August 2026
Malaysia's economy grew 6% in Q2. Beat every forecast. Strongest second-quarter growth since 2014 outside the pandemic years.
And Bursa closed lower on the same day.
The KLCI dropped 7.32 points to 1,727 despite the GDP beat. That's not a glitch. That's how markets work.
Here's the part most people miss: markets price in expectations, not results. By the time BNM announced the number on August 14, investors had already moved past it. The new question was, can the second half of 2026 deliver the same, and will it actually convert into corporate earnings? When results match or beat expectations, prices often don't move. Because they already moved when the expectation was set.
Good news for the economy is not automatically good news for your portfolio. These are two different things.
What actually matters for your money right now:
Inflation ticked up slightly to 1.9%, partly driven by higher fuel prices from the Middle East conflict. Core inflation moderated to 1.9% from 2.1% in Q1. No OPR move signalled. Borrowing costs stay steady. Fixed deposit rates stay where they are.
The AI angle — a big chunk of Q2 growth came from E&E manufacturing driven by AI-related semiconductor demand. If you hold CSPX, QQQ, or SMH, your portfolio already has exposure to the same tailwind. The Malaysian economy benefiting from the AI upcycle is your global portfolio benefiting from the same thing, just through a different door.
The ringgit firmed on the back of the GDP beat. Stable ringgit means your global ETF purchases are not getting eaten by currency moves right now. That's a decent environment to keep your regular contributions going.
The takeaway: don't read GDP headlines as buy or sell signals. Read them as context for where the economy sits. The number that actually moves your wealth is what you put in, how consistently, and for how long.
via Free Malaysia Today and The Edge Malaysia, 14 August 2026
💡 Wondering how market news actually affects your portfolio? FinanceInsight keeps all your investments in one clear view so you can see the real impact. Free to get started.
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Free Malaysia Today | FMT
Malaysia records 6% GDP growth in Q2 2026
Headline inflation rose to 1.9% from 1.6% in Q1, but core inflation moderated to 1.9% compared with 2.1% in the preceding quarter.
📅 THE DUIT EDIT — Monday Edition
17 August 2026
Tabung Haji reported a RM3.4 billion profit in 2017. The real number was a RM1.4 billion loss. The difference? Nearly RM4.8 billion. And millions of Malaysians had no idea.
That's what the RCI report confirmed on July 29, after sitting classified for four years.
Here's what actually happened.
By 2015, Tabung Haji's reserves had already turned negative. But hibah, the annual profit distribution paid to depositors kept being paid out anyway. Not because the money was there. But because stopping the payouts would have raised questions nobody wanted to answer.
At the same time, TH was sitting on RM1.059 billion in unrealised losses from a single investment in FGV Holdings. There were 13 other troubled investments identified by the RCI. None of this was visible in the official accounts.
Then came the rescue. A special purpose vehicle called Urusharta Jamaah Sdn Bhd took over TH's sick assets. Assets booked at RM19.9 billion, but worth only RM9.63 billion in the market. The government absorbed the RM10.3 billion gap. Paid through sukuk. Ultimately borne by the public.
The part most people are missing.
Everyone is focused on who is to blame. That matters and MACC has formed a task force to investigate. But for you as an investor, the more useful question is this: what actually protected depositors?
Not the governance. Not the board. Not the audited accounts. What protected you was the government guarantee on TH deposits. That single backstop is why nobody lost their savings despite a fund that had negative reserves for years.
That guarantee didn't come free. It came with a RM10.3 billion bill to the public. And it only worked because TH is a government-linked institution.
Not every institution you put money into has that backstop.
What this means for how you think about your money.
Institutional trust and institutional competence are not the same thing. TH had decades of trust. Millions of depositors. Government backing. And it still took years of governance failure before anything surfaced publicly.
The lesson isn't to pull your money out of TH. The fund's position today is genuinely more stable, profit distribution has recovered from 1.25% in 2018 to 3.5% in 2025, and 75% of the RCI's recommendations have already been implemented.
The lesson is simpler than that. Know what backs your money. Not just the brand, not just the track record. What is the actual mechanism that protects you if things go wrong?
For TH depositors, it was a government guarantee. For EPF members, there's a similar structure. For unit trust investors, the assets are held by an independent trustee, meaning even if the fund house collapses, your units are protected. For money in a broker account, that depends entirely on the platform and the jurisdiction.
These are not questions to panic about. They're questions to have answered before you put money somewhere, not after.
Where TH goes from here.
The RCI scope has now been expanded to cover the PH and PN administration periods as well, not just 2014 to 2018. This story isn't closing. It's widening. More findings will surface over the coming months.
For now, TH deposits remain government-guaranteed. The fund is recovering. But the conversation about governance, political interference, and transparency in public financial institutions, that's one worth following closely, especially as GE16 speculation builds.
via Malay Mail, The Star, NST, FMT, 29–31 July 2026
💡 Do you actually know what's backing each account in your portfolio? FinanceInsight lets you see all your investments in one place — so you know exactly what you hold and where it sits. Free to get started.
📲 More on Instagram
17 August 2026
Tabung Haji reported a RM3.4 billion profit in 2017. The real number was a RM1.4 billion loss. The difference? Nearly RM4.8 billion. And millions of Malaysians had no idea.
That's what the RCI report confirmed on July 29, after sitting classified for four years.
Here's what actually happened.
By 2015, Tabung Haji's reserves had already turned negative. But hibah, the annual profit distribution paid to depositors kept being paid out anyway. Not because the money was there. But because stopping the payouts would have raised questions nobody wanted to answer.
At the same time, TH was sitting on RM1.059 billion in unrealised losses from a single investment in FGV Holdings. There were 13 other troubled investments identified by the RCI. None of this was visible in the official accounts.
Then came the rescue. A special purpose vehicle called Urusharta Jamaah Sdn Bhd took over TH's sick assets. Assets booked at RM19.9 billion, but worth only RM9.63 billion in the market. The government absorbed the RM10.3 billion gap. Paid through sukuk. Ultimately borne by the public.
The part most people are missing.
Everyone is focused on who is to blame. That matters and MACC has formed a task force to investigate. But for you as an investor, the more useful question is this: what actually protected depositors?
Not the governance. Not the board. Not the audited accounts. What protected you was the government guarantee on TH deposits. That single backstop is why nobody lost their savings despite a fund that had negative reserves for years.
That guarantee didn't come free. It came with a RM10.3 billion bill to the public. And it only worked because TH is a government-linked institution.
Not every institution you put money into has that backstop.
What this means for how you think about your money.
Institutional trust and institutional competence are not the same thing. TH had decades of trust. Millions of depositors. Government backing. And it still took years of governance failure before anything surfaced publicly.
The lesson isn't to pull your money out of TH. The fund's position today is genuinely more stable, profit distribution has recovered from 1.25% in 2018 to 3.5% in 2025, and 75% of the RCI's recommendations have already been implemented.
The lesson is simpler than that. Know what backs your money. Not just the brand, not just the track record. What is the actual mechanism that protects you if things go wrong?
For TH depositors, it was a government guarantee. For EPF members, there's a similar structure. For unit trust investors, the assets are held by an independent trustee, meaning even if the fund house collapses, your units are protected. For money in a broker account, that depends entirely on the platform and the jurisdiction.
These are not questions to panic about. They're questions to have answered before you put money somewhere, not after.
Where TH goes from here.
The RCI scope has now been expanded to cover the PH and PN administration periods as well, not just 2014 to 2018. This story isn't closing. It's widening. More findings will surface over the coming months.
For now, TH deposits remain government-guaranteed. The fund is recovering. But the conversation about governance, political interference, and transparency in public financial institutions, that's one worth following closely, especially as GE16 speculation builds.
via Malay Mail, The Star, NST, FMT, 29–31 July 2026
💡 Do you actually know what's backing each account in your portfolio? FinanceInsight lets you see all your investments in one place — so you know exactly what you hold and where it sits. Free to get started.
📲 More on Instagram
Malay Mail
Tabung Haji welcomes RCI report release, but says it has ‘already moved on’
KUALA LUMPUR, July 29 — Lembaga Tabung Haji (TH) has embraced the government’s decision to release the Royal Commission of Inquiry (RCI) report to the public, asserting that...
📅 THE DUIT EDIT — Wednesday Edition
19 August 2026
RM506,000 is a big gap. But it doesn't automatically mean you should cancel your ASBF loan.
Here's the part the math doesn't show you. ASBF gives you RM200,000 working from day one. Without the loan, you're building from zero: RM1,228 a month, patient, consistent, no head start. The S&P 500 wins over 20 years because the compounding return is higher. But it only wins if you actually invest that RM1,228 every single month. No skipping. No redirecting. No "I'll make up for it next month." For 240 months straight.
That's the real question. Not which strategy produces the bigger number. It's which strategy you will actually execute.
ASBF removes the decision every month. The loan repayment is automatic. You can't not pay it. The discipline is baked in. If you're honest with yourself and you know you'd spend some of that RM1,228 in the months where things get tight, ASBF is probably the right call, even with the RM94,720 interest cost. The forced savings mechanics have real value that doesn't show up in a spreadsheet.
But if you already invest consistently, you have a long runway, and you're comparing ASBF to a higher-return alternative, the math says the S&P 500 at the same monthly commitment pulls further ahead the longer the timeline runs. The lump sum head start stops being the advantage it looks like once you account for the interest drag.
One more thing worth knowing. ASBF is Bumiputera-only. The ASB dividend is not guaranteed, it's declared annually by Amanah Saham Nasional. 5.5% is the historical average. Some years it's higher, some lower. The S&P 500 10.5% is also not guaranteed, it's a long-run historical average with real volatility in between. Both numbers have uncertainty baked in. The comparison is realistic, not exact.
So here's where you actually stand. Already have ASBF and investing consistently on top of it? You're probably fine. Keep both running. ASBF as your Bumiputera foundation, global ETF as your growth layer. Just starting and deciding between them? Run your own numbers, your timeline and your actual discipline level matter more than the headline figure.
Comment PLAN on my latest reel and I'll send you a calculator to see exactly what both strategies produce over your own timeline.
💡 Already have ASBF and want to see your total portfolio picture? FinanceInsight lets you track your ASB, EPF, and ETF holdings in one place — so you can see the full number, not just one account. Free to get started.
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19 August 2026
RM506,000 is a big gap. But it doesn't automatically mean you should cancel your ASBF loan.
Here's the part the math doesn't show you. ASBF gives you RM200,000 working from day one. Without the loan, you're building from zero: RM1,228 a month, patient, consistent, no head start. The S&P 500 wins over 20 years because the compounding return is higher. But it only wins if you actually invest that RM1,228 every single month. No skipping. No redirecting. No "I'll make up for it next month." For 240 months straight.
That's the real question. Not which strategy produces the bigger number. It's which strategy you will actually execute.
ASBF removes the decision every month. The loan repayment is automatic. You can't not pay it. The discipline is baked in. If you're honest with yourself and you know you'd spend some of that RM1,228 in the months where things get tight, ASBF is probably the right call, even with the RM94,720 interest cost. The forced savings mechanics have real value that doesn't show up in a spreadsheet.
But if you already invest consistently, you have a long runway, and you're comparing ASBF to a higher-return alternative, the math says the S&P 500 at the same monthly commitment pulls further ahead the longer the timeline runs. The lump sum head start stops being the advantage it looks like once you account for the interest drag.
One more thing worth knowing. ASBF is Bumiputera-only. The ASB dividend is not guaranteed, it's declared annually by Amanah Saham Nasional. 5.5% is the historical average. Some years it's higher, some lower. The S&P 500 10.5% is also not guaranteed, it's a long-run historical average with real volatility in between. Both numbers have uncertainty baked in. The comparison is realistic, not exact.
So here's where you actually stand. Already have ASBF and investing consistently on top of it? You're probably fine. Keep both running. ASBF as your Bumiputera foundation, global ETF as your growth layer. Just starting and deciding between them? Run your own numbers, your timeline and your actual discipline level matter more than the headline figure.
Comment PLAN on my latest reel and I'll send you a calculator to see exactly what both strategies produce over your own timeline.
💡 Already have ASBF and want to see your total portfolio picture? FinanceInsight lets you track your ASB, EPF, and ETF holdings in one place — so you can see the full number, not just one account. Free to get started.
📲 Follow more at Instagram
financeinsight.my
FinanceInsight Pro — Personal Finance App for Malaysian Investors
FinanceInsight Pro helps Malaysian investors track their portfolio, analyse spending, and get AI-powered financial insights. Built for Malaysia — RM, local banks, ASNB supported.
📅 THE DUIT EDIT — Friday Edition
21 August 2026
The Reel showed you the numbers. Here's what most people skip: understanding what they're actually buying.
The Omega Seamaster Aqua Terra isn't a fashion watch. It's a tool watch in dress clothing, originally engineered for sailing, built to co-axial movement specs that most watchmakers still can't replicate at the price point. The Aqua Terra's movement, the Co-Axial Master Chronometer, is tested by METAS (Switzerland's metrology institute) to perform at minus 0/plus 5 seconds per day. That's tighter than most medical instruments.
Why does this matter for your money? Because the secondary market for the Aqua Terra behaves very differently from fashion watches at the same price.
Fashion watches depreciate fast. Something marketed primarily on aesthetics loses 20–40% the moment it leaves the AD (authorised dealer). The Aqua Terra doesn't follow that curve. Pre-owned Aqua Terra models from 2019–2022 are currently trading between RM18,000 and RM26,000 on the secondary market, essentially flat to their original retail. Some references, particularly the 38mm lacquered dial models, are trading above retail.
Three reasons the value holds:
First, Co-Axial movements have lower servicing friction, literally. The escapement reduces contact between parts, which means longer service intervals and lower maintenance costs over a 10–20 year holding period.
Second, Omega production volumes are managed. They don't flood the market the way some mid-tier Swiss brands do. Supply stays tight relative to demand.
Third, the Aqua Terra has a consistent collector base. It's not trend-dependent. The same references sell year after year because the watch is genuinely useful as a daily wearer.
None of this means you should buy a watch as an investment. You shouldn't. The holding costs, box and papers, storage, insurance, servicing every 5–8 years at roughly RM2,000–RM3,500, eat into any appreciation. Buy it because you want to wear it and you've done the maths on how to fund it. Which you now have.
The investing route (RM247/month over 5 years at IGDA's 17.5%) gets you to RM23,450 for less monthly commitment than the saving route. That RM144/month you keep in your pocket every month? Over those same 5 years, invested at the same rate, that compounds to another RM13,664. You get the watch and a bonus portfolio sitting underneath it.
That's what goal-based investing actually looks like when you run it properly.
💡 Want to track your savings goal progress alongside your existing investments? FinanceInsight lets you see everything in one place — what you have, what you're building toward. Free to get started.
Comment OMEGA on my latest reel and I'll send you a calculator to run the numbers on any luxury goal, plug in any price, any timeline.
📲 More on investing the Malaysian way → Instagram
21 August 2026
The Reel showed you the numbers. Here's what most people skip: understanding what they're actually buying.
The Omega Seamaster Aqua Terra isn't a fashion watch. It's a tool watch in dress clothing, originally engineered for sailing, built to co-axial movement specs that most watchmakers still can't replicate at the price point. The Aqua Terra's movement, the Co-Axial Master Chronometer, is tested by METAS (Switzerland's metrology institute) to perform at minus 0/plus 5 seconds per day. That's tighter than most medical instruments.
Why does this matter for your money? Because the secondary market for the Aqua Terra behaves very differently from fashion watches at the same price.
Fashion watches depreciate fast. Something marketed primarily on aesthetics loses 20–40% the moment it leaves the AD (authorised dealer). The Aqua Terra doesn't follow that curve. Pre-owned Aqua Terra models from 2019–2022 are currently trading between RM18,000 and RM26,000 on the secondary market, essentially flat to their original retail. Some references, particularly the 38mm lacquered dial models, are trading above retail.
Three reasons the value holds:
First, Co-Axial movements have lower servicing friction, literally. The escapement reduces contact between parts, which means longer service intervals and lower maintenance costs over a 10–20 year holding period.
Second, Omega production volumes are managed. They don't flood the market the way some mid-tier Swiss brands do. Supply stays tight relative to demand.
Third, the Aqua Terra has a consistent collector base. It's not trend-dependent. The same references sell year after year because the watch is genuinely useful as a daily wearer.
None of this means you should buy a watch as an investment. You shouldn't. The holding costs, box and papers, storage, insurance, servicing every 5–8 years at roughly RM2,000–RM3,500, eat into any appreciation. Buy it because you want to wear it and you've done the maths on how to fund it. Which you now have.
The investing route (RM247/month over 5 years at IGDA's 17.5%) gets you to RM23,450 for less monthly commitment than the saving route. That RM144/month you keep in your pocket every month? Over those same 5 years, invested at the same rate, that compounds to another RM13,664. You get the watch and a bonus portfolio sitting underneath it.
That's what goal-based investing actually looks like when you run it properly.
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📅 THE DUIT EDIT — Sunday Edition
23 August 2026
204,450 Malaysians voluntarily topped up their EPF in the first half of this year. That number is up 13.9% from last year. Most of them probably think they're making a smart move. Some of them are. A lot of them aren't.
EPF just published its H1 2026 results: RM57.5 billion in investment income, up 48% year-on-year. Strong numbers. The fund is doing well. And off the back of that, the i-Topup crowd is growing fast.
But here's my take: voluntary EPF top-ups are one of the most misunderstood moves in Malaysian personal finance.
The case for topping up is real. EPF's dividend has been strong, 6.15% for Simpanan Konvensional, declared earlier this year. It's guaranteed. It's tax-free. And if you're in a higher tax bracket, voluntary contributions also give you an extra RM4,000 in tax relief on top of your mandatory amount. That's real money back in your pocket.
So if you're earning enough to be in the 24% or 26% bracket, the maths on i-Topup can actually work out well especially for the tax relief alone.
But a lot of the people topping up aren't doing it for the tax relief. They're doing it because EPF feels safe. Because the number goes up every year. Because it's familiar.
And that's where it gets expensive.
Your EPF money is locked until 55, with limited access through Account 2 and Account 3. If you're 29 right now, that's 26 years of your money sitting in a vehicle returning ~6% per year, which EPF has to maintain across the entire fund, including bonds, domestic equities, and conservative instruments.
Meanwhile, a global equity ETF: CSPX, SPUS, HLAL has historically returned north of 10% annualised over the long run. The compounding gap between 6% and 10% over 26 years is not small. On RM10,000, that's the difference between roughly RM43,000 and RM109,000 at retirement. Same money. Very different outcome.
The counter: not everyone has the discipline or knowledge to invest in ETFs consistently. EPF is automatic, managed, and enforced. For some people, a guaranteed 6% they'll actually keep is better than a theoretical 10% they'll panic-sell at the first market dip.
Where I stand: top up EPF if you're optimising for tax relief in a high bracket and you've already got your global equity exposure sorted. Don't top up just because the fund had a good half-year. EPF doing well is a reason to appreciate what you already have there, not necessarily a reason to lock away more.
EPF H1 2026
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23 August 2026
204,450 Malaysians voluntarily topped up their EPF in the first half of this year. That number is up 13.9% from last year. Most of them probably think they're making a smart move. Some of them are. A lot of them aren't.
EPF just published its H1 2026 results: RM57.5 billion in investment income, up 48% year-on-year. Strong numbers. The fund is doing well. And off the back of that, the i-Topup crowd is growing fast.
But here's my take: voluntary EPF top-ups are one of the most misunderstood moves in Malaysian personal finance.
The case for topping up is real. EPF's dividend has been strong, 6.15% for Simpanan Konvensional, declared earlier this year. It's guaranteed. It's tax-free. And if you're in a higher tax bracket, voluntary contributions also give you an extra RM4,000 in tax relief on top of your mandatory amount. That's real money back in your pocket.
So if you're earning enough to be in the 24% or 26% bracket, the maths on i-Topup can actually work out well especially for the tax relief alone.
But a lot of the people topping up aren't doing it for the tax relief. They're doing it because EPF feels safe. Because the number goes up every year. Because it's familiar.
And that's where it gets expensive.
Your EPF money is locked until 55, with limited access through Account 2 and Account 3. If you're 29 right now, that's 26 years of your money sitting in a vehicle returning ~6% per year, which EPF has to maintain across the entire fund, including bonds, domestic equities, and conservative instruments.
Meanwhile, a global equity ETF: CSPX, SPUS, HLAL has historically returned north of 10% annualised over the long run. The compounding gap between 6% and 10% over 26 years is not small. On RM10,000, that's the difference between roughly RM43,000 and RM109,000 at retirement. Same money. Very different outcome.
The counter: not everyone has the discipline or knowledge to invest in ETFs consistently. EPF is automatic, managed, and enforced. For some people, a guaranteed 6% they'll actually keep is better than a theoretical 10% they'll panic-sell at the first market dip.
Where I stand: top up EPF if you're optimising for tax relief in a high bracket and you've already got your global equity exposure sorted. Don't top up just because the fund had a good half-year. EPF doing well is a reason to appreciate what you already have there, not necessarily a reason to lock away more.
EPF H1 2026
💡 Not sure how much of your net worth is already sitting in EPF vs your other investments? FinanceInsight lets you see your full portfolio in one place — EPF, ASB, unit trusts, ETFs, all of it. Free to get started.
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❤1
📅 THE DUIT EDIT — Monday Edition
24 August 2026
So now you know you're probably over quota. Here's what to actually do about it.
The Reel covered the diagnosis. 38% of Malaysians exceeding 200 litres, RM1,300 to RM1,800 a year quietly leaking out at the pump. But knowing the number isn't enough. The question is whether that money is just disappearing or whether you can redirect it.
Step 1: Find your actual number.
Pull up your last three months of Touch 'n Go or bank statements. Filter for petrol. Add it up and divide by three. That's your real monthly fuel spend, not what you think it is. Most people are off by 20% to 30% because fuel is one of those expenses that happens in small, forgettable chunks.
Step 2: Compare it to your pre-quota baseline.
The shared quota came in July 2026. What were you spending on fuel before that? If you don't have the statements, check your mileage. A car doing 10km per litre, driven 1,500km a month, uses 150 litres. At 200km more than that, you're already in market rate territory. The math isn't complicated, most people just never bother to run it.
Step 3: Decide what the difference is worth to you.
If you're over quota by 50 litres a month, that's roughly RM110 to RM150 going to petrol that didn't used to. You have three options: absorb it, reduce consumption (consolidate trips, use highway instead of stopping more, carpool one day a week), or redirect the equivalent amount from somewhere else in your budget into your investments instead. Not all three. Pick one and be intentional about it.
The point isn't to stress about petrol. The point is that RM1,500 a year invested at 10% annualised over 20 years is RM95,000. That's the actual cost of not noticing.
r/malaysia — Survey: 38% of Malaysians exceed 200-litre RON95 quota
💡 If you've never actually tracked where your money goes each month, FinanceInsight breaks down your spending automatically so you can see exactly how much is going to fuel, food, and everything else — and how much is actually making it to your investments. Free to get started.
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24 August 2026
So now you know you're probably over quota. Here's what to actually do about it.
The Reel covered the diagnosis. 38% of Malaysians exceeding 200 litres, RM1,300 to RM1,800 a year quietly leaking out at the pump. But knowing the number isn't enough. The question is whether that money is just disappearing or whether you can redirect it.
Step 1: Find your actual number.
Pull up your last three months of Touch 'n Go or bank statements. Filter for petrol. Add it up and divide by three. That's your real monthly fuel spend, not what you think it is. Most people are off by 20% to 30% because fuel is one of those expenses that happens in small, forgettable chunks.
Step 2: Compare it to your pre-quota baseline.
The shared quota came in July 2026. What were you spending on fuel before that? If you don't have the statements, check your mileage. A car doing 10km per litre, driven 1,500km a month, uses 150 litres. At 200km more than that, you're already in market rate territory. The math isn't complicated, most people just never bother to run it.
Step 3: Decide what the difference is worth to you.
If you're over quota by 50 litres a month, that's roughly RM110 to RM150 going to petrol that didn't used to. You have three options: absorb it, reduce consumption (consolidate trips, use highway instead of stopping more, carpool one day a week), or redirect the equivalent amount from somewhere else in your budget into your investments instead. Not all three. Pick one and be intentional about it.
The point isn't to stress about petrol. The point is that RM1,500 a year invested at 10% annualised over 20 years is RM95,000. That's the actual cost of not noticing.
r/malaysia — Survey: 38% of Malaysians exceed 200-litre RON95 quota
💡 If you've never actually tracked where your money goes each month, FinanceInsight breaks down your spending automatically so you can see exactly how much is going to fuel, food, and everything else — and how much is actually making it to your investments. Free to get started.
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From the malaysia community on Reddit: In survey, 38pc Malaysians go over 200-litre fuel subsidy quota; nearly half cope by just…
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📅 THE DUIT EDIT — Wednesday Edition
26 August 2026
The Reel showed you the numbers. Here's why they're so far apart.
Starting from birth, you need RM703 a month at HLAL's 13% return to hit RM600,000 by the time your child turns 18. Wait until they're 8, and that number jumps to RM2,459. Same target. Same ETF. Same return rate. Ten years apart in starting point, but the monthly difference is more than RM1,700.
That gap isn't a coincidence. It's compounding doing exactly what it's supposed to do.
Here's the mechanic. When you invest early, each ringgit you put in has more time to generate returns and those returns generate their own returns. It's not just your RM703 growing. It's RM703 this month, plus returns from all the months before it, plus returns on those returns. The curve gets steeper the longer it runs.
Flip it around. When you start late, every month you missed is a month where your money wasn't compounding. You don't just lose that month's returns. You lose all the future returns that would have grown on top of them. That's why starting at 8 instead of birth doesn't just cost you 10 years of contributions, it costs you 10 years of compounding on top of contributions on top of returns.
The simplest way to see this: imagine two people, both targeting RM600,000 in 18 years. Person A starts at birth and contributes RM703 a month. Person B waits 8 years and contributes RM2,459 a month. By year 18, they both arrive at roughly the same destination. But Person B put in nearly double every month to get there because they had no early years of compounding working in their favour.
This is why time is the one variable in investing that money can't buy back. A higher salary can increase contributions. A better ETF can improve returns. But nobody can manufacture the compounding that happened before they started.
If your child is already past 3 or 5, the answer isn't panic. It's start now. Every month you delay from today is another month the compounding clock doesn't run. The monthly contribution will be higher than if you'd started earlier, but it's still a solvable number. The one you can't solve is the time you've already lost.
Comment PLAN on my latest reel and I'll send you a calculator. Plug in your child's age and your target fund, it tells you exactly what to set aside every month.
💡 Once you set up the monthly contribution, track it alongside your other investments in one place. FinanceInsight shows your full portfolio in a single view so nothing gets lost across platforms. Free to get started.
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26 August 2026
The Reel showed you the numbers. Here's why they're so far apart.
Starting from birth, you need RM703 a month at HLAL's 13% return to hit RM600,000 by the time your child turns 18. Wait until they're 8, and that number jumps to RM2,459. Same target. Same ETF. Same return rate. Ten years apart in starting point, but the monthly difference is more than RM1,700.
That gap isn't a coincidence. It's compounding doing exactly what it's supposed to do.
Here's the mechanic. When you invest early, each ringgit you put in has more time to generate returns and those returns generate their own returns. It's not just your RM703 growing. It's RM703 this month, plus returns from all the months before it, plus returns on those returns. The curve gets steeper the longer it runs.
Flip it around. When you start late, every month you missed is a month where your money wasn't compounding. You don't just lose that month's returns. You lose all the future returns that would have grown on top of them. That's why starting at 8 instead of birth doesn't just cost you 10 years of contributions, it costs you 10 years of compounding on top of contributions on top of returns.
The simplest way to see this: imagine two people, both targeting RM600,000 in 18 years. Person A starts at birth and contributes RM703 a month. Person B waits 8 years and contributes RM2,459 a month. By year 18, they both arrive at roughly the same destination. But Person B put in nearly double every month to get there because they had no early years of compounding working in their favour.
This is why time is the one variable in investing that money can't buy back. A higher salary can increase contributions. A better ETF can improve returns. But nobody can manufacture the compounding that happened before they started.
If your child is already past 3 or 5, the answer isn't panic. It's start now. Every month you delay from today is another month the compounding clock doesn't run. The monthly contribution will be higher than if you'd started earlier, but it's still a solvable number. The one you can't solve is the time you've already lost.
Comment PLAN on my latest reel and I'll send you a calculator. Plug in your child's age and your target fund, it tells you exactly what to set aside every month.
💡 Once you set up the monthly contribution, track it alongside your other investments in one place. FinanceInsight shows your full portfolio in a single view so nothing gets lost across platforms. Free to get started.
📲 More on Instagram
financeinsight.my
FinanceInsight Pro — Personal Finance App for Malaysian Investors
FinanceInsight Pro helps Malaysian investors track their portfolio, analyse spending, and get AI-powered financial insights. Built for Malaysia — RM, local banks, ASNB supported.
📅 THE DUIT EDIT — Friday Edition
28 August 2026
The Reel told you how much to set aside every month. Here's what you actually need to know before you buy one.
The Hublot Big Bang launched in 2005 and immediately polarised the watch world. Oversized bezel screws you could see. Mixed materials: titanium, rubber, ceramic layered on top of each other. A case construction that looked like it had been taken apart and rebuilt. Traditional Swiss collectors were horrified. A new generation of buyers loved it.
Twenty years later, it's a proper collectible. But not all Big Bangs are equal on the secondary market, and this is the part most people skip before they hand over their money.
The Titanium is the honest choice
The Titanium Big Bang is Hublot's most wearable entry point. At RM28,000, it's accessible relative to the rest of the family, Unico models start significantly higher, sapphire-cased versions go well past RM100,000. Titanium is lightweight, scratch-resistant, and the movement is solid. You'll wear this watch comfortably.
What it isn't is a strong appreciating asset. Resale data consistently shows that the models with real secondary market upside are the Unico-powered references, limited-edition collaborations (Ferrari, Sang Blom, Berluti), and discontinued sapphire variants. Standard Titanium Big Bangs without these tags typically retain around 50–70% of retail value on the secondary market. You're not buying this for capital appreciation.
What that means for how you approach it
Here's the honest framing. The Hublot Titanium at RM28,000 is a lifestyle purchase. You wear it because you want it on your wrist, not because you expect it to be worth more in five years. That's fine. That's actually most luxury watch purchases, including watches that cost three times as much.
But it changes the calculation the Reel laid out. If you're investing RM640 a month in HLAL at 13% to accumulate RM28,000 over three years, that RM28,000 when you spend it is gone. It doesn't compound further. It doesn't retain full value. The watch you're buying will likely be worth RM14,000–20,000 if you sold it the day after purchase.
This isn't a reason not to buy it. It's a reason to build the investment portfolio first, reach the number, and then deploy it rather than redirecting investment capital to fund the purchase before you've built the base.
The Reel math stands. Set aside RM640 a month in HLAL. In three years, you have RM28,000. At that point, you've made a real decision. Keep it invested and let it compound further, or redirect it to the watch. Either is valid. What isn't valid is making that decision before the money exists.
💡 Tracking multiple investments while saving toward a goal? FinanceInsight shows your full portfolio in one place so you always know where you stand. Free to get started.
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28 August 2026
The Reel told you how much to set aside every month. Here's what you actually need to know before you buy one.
The Hublot Big Bang launched in 2005 and immediately polarised the watch world. Oversized bezel screws you could see. Mixed materials: titanium, rubber, ceramic layered on top of each other. A case construction that looked like it had been taken apart and rebuilt. Traditional Swiss collectors were horrified. A new generation of buyers loved it.
Twenty years later, it's a proper collectible. But not all Big Bangs are equal on the secondary market, and this is the part most people skip before they hand over their money.
The Titanium is the honest choice
The Titanium Big Bang is Hublot's most wearable entry point. At RM28,000, it's accessible relative to the rest of the family, Unico models start significantly higher, sapphire-cased versions go well past RM100,000. Titanium is lightweight, scratch-resistant, and the movement is solid. You'll wear this watch comfortably.
What it isn't is a strong appreciating asset. Resale data consistently shows that the models with real secondary market upside are the Unico-powered references, limited-edition collaborations (Ferrari, Sang Blom, Berluti), and discontinued sapphire variants. Standard Titanium Big Bangs without these tags typically retain around 50–70% of retail value on the secondary market. You're not buying this for capital appreciation.
What that means for how you approach it
Here's the honest framing. The Hublot Titanium at RM28,000 is a lifestyle purchase. You wear it because you want it on your wrist, not because you expect it to be worth more in five years. That's fine. That's actually most luxury watch purchases, including watches that cost three times as much.
But it changes the calculation the Reel laid out. If you're investing RM640 a month in HLAL at 13% to accumulate RM28,000 over three years, that RM28,000 when you spend it is gone. It doesn't compound further. It doesn't retain full value. The watch you're buying will likely be worth RM14,000–20,000 if you sold it the day after purchase.
This isn't a reason not to buy it. It's a reason to build the investment portfolio first, reach the number, and then deploy it rather than redirecting investment capital to fund the purchase before you've built the base.
The Reel math stands. Set aside RM640 a month in HLAL. In three years, you have RM28,000. At that point, you've made a real decision. Keep it invested and let it compound further, or redirect it to the watch. Either is valid. What isn't valid is making that decision before the money exists.
💡 Tracking multiple investments while saving toward a goal? FinanceInsight shows your full portfolio in one place so you always know where you stand. Free to get started.
📲 More on Instagram
financeinsight.my
FinanceInsight Pro — Personal Finance App for Malaysian Investors
FinanceInsight Pro helps Malaysian investors track their portfolio, analyse spending, and get AI-powered financial insights. Built for Malaysia — RM, local banks, ASNB supported.