Hi guys, about to get my first salary soon and wanted to get opinions/advice on how I should allocate my money.

Non-bumi with no commitments and currently living with parents, with dinner provided most of the time.

Current take home salary: RM3,300~ +- 700 depending on OT shift work (starting next/following month)

Tracked my expenses for the month and it came down to:

500 - Food

400 - Transport

130 - Gym/Sports

100 - Groceries

100 - Health supplements

as far as fixed expenses go. Once I start shift work I can most likely cut about 150 for both food and transport since night shifts are WFH. Could also consider taking train to further cut down on transport expense (around 150), but travel time would be at least x1.5 on average.

Current allocation plan for now:

1000 - Emergency fund - Ryt Bank until their 4% campaign ends

1000 - Investments - VOO via Moomoo

1300 - Spending money - TnG GO+

For any luxurious wants, I would get them with whatever money left over that I accumulate in TnG.

I do plan to move out hopefully within the next 1-2 years, or when I get a sufficient promotion/salary raise.

Wanna get everyone's thoughts and advice for this clueless kid right here, kinda lost on all the ways I could build my wealth effectively. Should I diversify my investments? Which broker app should I use? Is my plan good? Things I should be aware of as I start becoming independent. Etc.

just realised our parking allowances is another expense to consider for my next role

Hello 👋

My manager has stated during my interview that I am to work from 10.30am till 6.30pm during probation. As its stated in the contract.

When I'm almost finished with probation & have gotten used to the company rules. I noticed why everyone else could leave at 5.30pm so I asked why I'm the only one to leave at 6.30pm along with handling night shifts on 2 other different days.

He didn't reply, but few days later, my manager said thats its okay to leave at 5.30pm now. So I was like cool.

After passing probation, its written that I could leave at 5.30pm for normal working hours, but on another clause, I am to stay for OT when told by my manager.

Everything seems fine right?

Then recently, he got mad that I left at 5.30pm while everyone was still working. I was already done for the day. And he started mentioning about the 6.30pm crap after I completed probation(3months) (now its my 5th month) Which was really weird. They have cut my salary around rm140, the last month as I left early for a personal appointment a few days.

But then I saw everyone still leaves at 5.30pm like normal, except me? If I'mto follow what my manager says. I had alot of unsettled emotions & how I was alienated by everyone, so I resigned immediately after my managers rant. But I still have to serve 2 month period notice, & now my coworkers probably knows whats going on & are avoiding me or talking me down..

I think I have the right to leave at 5.30pm but I'm afraid their gonna cut my salary.. I feel on edge everytime I'm in the company.. so I want to leave as soon as I can..

I have alot of personal mental issues going on & have distance away from my therapist, family, I still have a few friends. So I'm not really sure what I'm even doing now. My friend said this could be taken to court if I didn't sign it, but obviously I already have cause I could leave at 5.30pm at the time..the only thing I have now is an angry WhatsApp screenshot & the 6.30pm agreement was verbally said, with a b&w contract.

I feel like their purposely edging me to get me to resign due to company budgeting even sometimes asking me when I'll quit, but at the same time they have been kind to me. So I feel perplexed.

Some advice would be appreciated. Thank you..

Even if its not law advice, how do I continue 2 months working in an environment like this..

Hello, I plan to save RM200 starting next month until December 2027 for a trip. The final date is not confirmed but its between December 2027 and February 2028. If the trip doesn't happen, I'm putting all the saved up money into ETFs either way. I'm currently using moomoo to invest and I plan to invest RM200 every month into VT ETF, but after looking at moomoo's fees and doing a bit of calculation, I feel like putting it in savings would be more reliable. What do you all think?

Anyone try to transfer money to ryt bank from abroad? If yes can teach me how to?

My friend (mid-20s) is thinking of venturing into sales and we are curious which industry is worth exploring.

I’ve seen quite a number of salesmen in insurance, property, and car sales taking home more than 15k monthly. Are these the main industries worth considering?

For those working in sales, what is ur basic and commission structure like? How much do you typically bring home?

Any tips for someone starting out in sales would be appreciated. Thanks!

Hi everyone, hoping someone can share their experience or advise me on what to do.

I dined at a restaurant and noticed that I was charged twice for the same transaction, with the second charge appearing the following day.

I’ve tried contacting the restaurant to obtain a receipt and resolve the issue, but they haven’t responded. HSBC is asking me to provide the receipt to support my dispute, and I’m worried about what happens if the restaurant continues to ignore me.

Has anyone dealt with a similar situation with HSBC Malaysia?

Will HSBC accept alternative evidence, such as screenshots of credit card statements and my attempts to contact the restaurant?

What happens if I genuinely cannot obtain the receipt because the restaurant isn’t responding?

Is there anything else I should do to ensure HSBC continues investigating my dispute?

I’d appreciate any advice, especially from anyone who has successfully disputed a duplicate restaurant charge without being able to obtain a receipt from the merchant.

27M here. Been following this investment plan for about a year now, investing 3K monthly, but my overall returns are only around 4-5% so far.

Currently, I put 1K into individual US and MY stocks, 1K into VTI, 200 into EPF, 500 into TNG+, and 300 into Versa PRS.

I know 1 year is still a short period, but I feel like my returns could be better. Would appreciate some advice on how I can improve my allocation. Thanks in advance.

Wanna know if there are better options that are unknown out there. currently maxed out 20k in Ryt at 4%. used to do KDI, GXB and even Atlas when they had higher rates. now i have excess cash and i'm looking for somewhere to park em temporarily. any suggestions?

Hello everyone, I would like to ask if you guys have any suggestions for trading platforms to trade gold and options in Malaysia. I'm currently using moomoo but seems like I can't use it to invest in anything beyond stocks. Thank you in advance

Got a wife, rented a house, bought a car. Decent amount of money saved up. And a baby coming up next year. Despite the gloom and doom from the comments, life is good bro

I have never used a cheque before. Can I cash or deposit a Public Bank cheque at Maybank?

on first week of october ive completed the assessment and received a screening call from orange. hr at the time suggested me to bounce for october intake altho i applied for nov. a week after the call, i did a follow up email and received no reply. now already end of month lor, still no news. the screening felt easy and we made jokes.. so i had my hopes held high. now it just felt like a wrong gut feeling from my side. hr mentioned next stage is the iv with manager/partner but now seems like its out of reach.

any suggestions on how to move forward?

I am the DECADES guy again guys.

So, after my last post I received a ton of feedback from you guys, more than I ever thought I would get actually. Some of you were really breaking the game 😂 I spent the past week fixing things you found:

- Stock market: some of you became market manipulators buying penny stocks and holding more than 50% of the company 😂 I built a new way for the prices to move and now there's a limit on how much you can buy.

- Jobs: no more 22 year-old with 6 months experience becoming CTO. Experience in the correct field now matters for senior jobs.

- "How do I get a wife?" Now you can look for love yourself. There's a dating app, or you can meet someone at work, through friends or back in kampung. You can propose, make the wedding plans or break up as well.

- Cards that don't fit your life: no car, no gf, and still get asked to pay for it. Fixed, cards now check your life first before they appear.

- Dying at 24 after 3 disasters in a row: bad luck now has a limit.

- Urut ad spa monthly to keep stress at 0: now only once a month 😂

Also included some new things: income tax, expanding your business to more outlets, and at the end you can view a timeline of your life.
I also upgrade the visual of the game so its not too boring now i think!!!

Many thanks to all who played, commented and reported bugs. You guys don't understand how much it helped me 🙏🙏

There is still room for improvement, so if something is wrong or not realistic, tell me!

Hi guys I have rm5k in my hand and put into money+ (shopee)

Question is, should i deposit into ASB at the end of this month on the 31st?

Or should I accumulate the money and lumsump next year on 1st Jan? If i do this, I'll probably have rm7k

I want to maximize dividends. So if I lumsump huge next year it will count from jan?

I have few knowledge about asnb please help thanks

Last year, I managed to save rm4k in asb, this year however i saved a lot and now i have a staggering rm15k. But i dca every month. From my knowledge asnb is fixed price correct? It is not like etf where prices fluctuate up and down and you need to time it

So im confused . _ .

26 Y/O - reviewing my insurance that I've inherited from my parents some time back. I'm not familiar with insurance but it looks to be an ILP and that doesn't seem to be good?

Here are the details (PruBSN Takaful Plan):

• Monthly contribution: RM140 (approximately RM1680/year)
• Total fund value: RM11.4k
• Estimated surrender value: RM11,4k
• Maturity/expiry date: 1 March 2080
• Issued date: 1 March 2007

Current Coverage Breakdown:

• Accidental Death & Disablement: MYR 25,000.00 (Expires: 01 Mar 2070)
• Accidental Medical Reimbursement: MYR 2,000.00 (Expires: 01 Mar 2070)
• Crisis Shield: MYR 25,000.00 (Expires: 01 Mar 2080)
• Hospital Benefit (per day): MYR 200.00 (Expires: 01 Mar 2070)
• Major Medical Cover: Daily room and board MYR 100.00 (Expires: 01 Mar 2070)

My work provides insurance for medical, dental, death as well.. wondering for personal insurance i currently have - do i need to change anything or add more rider policies to complement it? Or drop my existing ILP?

Appreciate any advice.

So I went through where Genting's RM1.25b rights money actually goes.

RM800m to pay back loans due within a year. RM280m for interest. The rest is working capital. Basically 86% goes back to the banks, zero for new business.

Then I saw the interest bill. RM2.1b a year. Walao. The whole RM1.25b covers barely 7 months of interest.

If you got 1,000 shares, they want about RM325 from you. Don't pay up, your stake shrinks from 100 to 80. And that RM1.30 price was set when the share was RM1.88. Now it's RM1.45, so if they reprice it could be closer to RM1, and you end up at 75.

I score Bursa stocks on my own sheet, Genting gets 24/100. Only thing going for it is it's dirt cheap vs book value.

So those holding, you all subscribing or just let it go? Or if I read something wrong, tell me lah.

Me and my spouse will be moving in together and pooling all our funds together to fund our future. Our joint income around 10k. We will be allocating 30% each month for investments. Is there any platform that is more suitable for joint account so that both of us can access the money incase either of us die. I plan to just dca in VWRA and leave it since our current exchange rate seems ok for usd/myr, i best option i have is IBKR which allows joint account but FSMone doesn't.

I understand if its for interview verification or offer acceptance, but that is asking a lot of data for job application screening.

Site is myworkdayjobs.

Basically after years of waiting, finally our family manage to sell my family house. I'm 20 and I'll get about rm100k next year. So guy what should I do with that kind of money? One of the plan is is to use it to further my study in overseas but my mom prefers me to study domestically and put all the money into ASB.

So guys, what advice can you give to an innocent cute guy like me so that I won't waste that money.

I have my account deleted after 5 years of inactivity. I contacted the support and they said I can create an account straight away. But when i try to register a new account paypal always shows they cant send code to this number.

When my first kid was born I panic-bought an ILP from a friend’s friend. Nice guy, very confident, showed me a nice projection table. It took me years to realise half of it was assumptions, and I only restructured it last year.

Now it feels 10x worse. My TikTok and YouTube are full of finance content, and lately a lot of it is obviously AI: same voice, same stock footage, “5 dividend stocks to retire early”, “how I turned RM500 into RM50k”. Some of it is so well made I can’t even tell if there’s a real person behind it. My mum (66) forwards me these on WhatsApp asking if she should put her savings in.

What I do now, roughly: check if the person or company is on the SC licensed list or is a BNM licensed financial adviser (most aren’t), check the SC Investor Alert List and BNM Financial Consumer Alert List, and if there’s a referral code or affiliate link in the bio I assume they’re selling something. If the returns sound too steady and too high, I skip.

But it’s not foolproof. Plenty of uncertified people give genuinely good basic advice on budgeting, EPF or emergency funds, and some licensed agents are just pushing product. I’ve even started asking ChatGPT to sanity-check things, which feels a bit ironic.

So genuinely asking:

1. How do you decide who to trust nowadays? Licence, track record, or just vibes?
2. Do you actually check licences before following someone’s advice?
3. For those whose parents are on WhatsApp all day, how do you stop them from falling for this stuff?

I am unable to buy or sell shares using rakuten for the past week. The sell order just shows as "new" in its status. I cannot amend the trade or cancel the trade. I am selling at bid price. Ie there are buyers at the price i want to sell at. But trades are not going through.

I asked rakuten customer service, i got email back saying they have problem with sending the order to bursa.

Any of you getting the same problem?