{"id":44419,"date":"2020-08-03T11:43:59","date_gmt":"2020-08-03T03:43:59","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=44419"},"modified":"2020-08-03T11:43:59","modified_gmt":"2020-08-03T03:43:59","slug":"how-invest-money-malaysia","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/how-invest-money-malaysia","title":{"rendered":"How I Invest My Own Money"},"content":{"rendered":"<p>People often ask me for investment advice, and 99% of the time, the responsible answer is: \u201cIt depends on your situation.\u201d There are no easy answers in investing, and usually the conversation ends up with me asking a ton of probing questions instead of giving a simple answer.<\/p>\n<p>But I understand that\u2019s an irritating response, especially perhaps when you\u2019re a little younger and looking for some structured guidance. In the spirit of that, while I can\u2019t tell you exactly how you should invest your money \u2014 here\u2019s how I invest mine. Hopefully it\u2019ll give you some things to think about for your own investing journey.<\/p>\n<p>Unfortunately, I can\u2019t share exact dollar figures as it\u2019s a little too public here. What I will share is percentages of what I\u2019ve invested in. I\u2019m also big on principle-based reasoning, so I\u2019ll briefly mention investing principles I believe in too.<\/p>\n<p>Please take this article at your own risk. It\u2019s certainly not how I think you should invest your money, but this is what\u2019s worked for me.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Mr-stingys-Investment-Portfolio-%E2%80%93-July-2020\"><\/span>Mr-stingy\u2019s Investment Portfolio \u2013 July 2020<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-44428\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/08\/03112224\/Investment-Portfolio-July-2020.jpg\" alt=\"\" width=\"1144\" height=\"643\" srcset=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/08\/03112224\/Investment-Portfolio-July-2020.jpg 1144w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/08\/03112224\/Investment-Portfolio-July-2020-300x169.jpg 300w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/08\/03112224\/Investment-Portfolio-July-2020-768x432.jpg 768w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/08\/03112224\/Investment-Portfolio-July-2020-800x450.jpg 800w\" sizes=\"auto, (max-width: 1144px) 100vw, 1144px\" \/><\/p>\n<h3>1. The safe stuff<\/h3>\n<p>About 80% of my investments are what I consider \u201csafe\u201d:<\/p>\n<ul>\n<li>EPF\/KWSP: 69.29%<\/li>\n<li>Amanah Saham: 2.61%<\/li>\n<li>Bond Unit Trusts: 2.69%<\/li>\n<li>Insurance-Linked Unit Trusts: 0.63%<\/li>\n<li>REITs: 0.05%<\/li>\n<li>Robo-Advisor Low-Risk Portfolio: 5.23%<\/li>\n<\/ul>\n<p>I\u2019ve always considered the Malaysian EPF underrated. Been delighted with their consistent returns (4.5-6.9%) over the past 13 years of my career. So I\u2019m happy to keep most of my portfolio here \u2014 I\u2019ve never withdrawn a single sen \u2014 and likely won\u2019t until I retire. Not many know this, but the EPF is required by Malaysian law to pay yearly dividends of at least 2.5%.<\/p>\n<p>Next: Amanah Saham fixed-price funds have never disappointed either \u2014 only wish I had the quota to invest more when I was younger. If you\u2019re bumi or manage to get some quota, it\u2019s a no-brainer.<\/p>\n<p>Moving on to the unit trusts I have. They\u2019re all in bond funds (via Fundsupermart) as I\u2019m playing safe right now. Historically, I haven\u2019t done well in choosing unit trusts, which strengthens my belief I should leave most of my funds to the EPF and other passive investments.<\/p>\n<p>A very small (0.63%) portion is in investment-linked insurance plans. These are expensive funds with traditional sales charges (5%) and annual fees, so I\u2019m minimizing the amount of money they hold. I\u2019ve moved much of what I used to have here to my robo-advisor. I also have a tiny bit of \u201cexperiment\u201d money in a REIT (via Rakuten Trade).<\/p>\n<p>Finally, roughly 5% of my investments are with my robo-advisor (StashAway), set at the lowest-risk portfolio. Loving this because it\u2019s cheap, convenient, and my assets are valued in US dollars \u2014 protecting me against Ringgit drops.<\/p>\n<h3>2. The \u201chigh risk-high return\u201d stuff<\/h3>\n<p>The other ~20% of my portfolio is in higher-risk assets:<\/p>\n<ul>\n<li>Private Retirement Scheme (PRS) \u2014 Equity: 2.66%<\/li>\n<li>Gold &amp; Silver: 0.79%<\/li>\n<li>Bitcoin &amp; Cryptocurrencies: 14.42%<\/li>\n<li>Equity in mr-stingy: 1.63%<\/li>\n<\/ul>\n<p>My PRS funds are invested in Asia Pacific stocks (via Fundsupermart). Returns have been OK (cumulative 31%) over the last seven years, but this one is really for tax benefits.<\/p>\n<p>I also keep a little bit of gold and silver (via Maybank) as hedges against inflation and currency devaluation. Traditionally, I\u2019ve never been a fan of gold, but watching the US Fed (central bank) print money like a toilet paper factory has convinced me otherwise. Planning to bump this up to 1% shortly.<\/p>\n<p>14.42% in Bitcoin (via <a href=\"https:\/\/www.imoney.my\/articles\/buy-cryptocurrencies\" target=\"_blank\" rel=\"noopener noreferrer\">Luno<\/a>) and crypto is probably the one where financial advisors get alarmed and cover their children\u2019s eyes. What can I say? I\u2019m a firm believer in digital assets. (Find a detailed explanation of why here.) This portion is also oversized because of gains \u2014 cumulatively I\u2019ve invested only ~9%, but my crypto has grown 63% over the last four years.<\/p>\n<p>Lastly, I have a bit of money invested in mr-stingy LLP, officially the entity that runs this blog. It\u2019s been six years now, and I\u2019m finally generating sustainable income. Due to difficult coronavirus times, I\u2019m donating &gt;80% of revenues this year to charity. Do I get to call mr-stingy a social enterprise now? \ud83e\udd14<\/p>\n<h3>Personal Situation<\/h3>\n<p>For further context, I wanted to share my personal circumstances. Just so you understand which stage of life I\u2019m at and where I\u2019m coming from. Here goes:<\/p>\n<p>I\u2019m 36 this year. I work a full-time job (which is challenging but I love) for 45-50 hours\/week, plus spend another ~12 hours on this blog. I paid off my student loan before I turned 32. The only financial commitment I currently have is my home loan. (I drive a second-hand car which I paid for in cash.) I\u2019m blessed enough to not have any other expensive health or family-related commitments.<\/p>\n<p>My diverse hobbies aren\u2019t expensive and I\u2019m slightly introverted \u2014 social engagements more than twice a week tire me out \u2014 so mostly I\u2019m reading and writing at home. I don\u2019t consider myself a great success in any particular area, but rather I take pride in maintaining balance in life.<\/p>\n<p>I recently got married and my wife has a good full-time income too. Planning for kids in the near future.<\/p>\n<p>We\u2019re financially stable, but still far from financial independence or early retirement.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"10-investing-principles-I-believe-in\"><\/span>10 investing principles I believe in<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Closing this one off with a list of investing principles. Actually, this portion probably deserves a future article with detailed explanations, but consider this a teaser for now.<\/p>\n<p>Here\u2019s what I believe when investing my own money:<\/p>\n<ol>\n<li>Keep expenses as low as reasonably possible. I\u2019m frugal in many ways but I also splurge on things that bring me happiness.<\/li>\n<li>Be excellent at work. All major income jumps in my life have happened via promotions in my day job. High income + low expenses = more to invest.<\/li>\n<li>Invest most funds in SAFE assets (e.g. EPF) with LOW fees (e.g. robo-advisor ETFs). This is protection against losing capital.<\/li>\n<li>Allocate a bit in high-risk, high-return assets. Look for asymmetric opportunities \u2014 things where I can gain a lot more than I risk losing (e.g. Bitcoin).<\/li>\n<li>Never borrow money to invest.<\/li>\n<li>Passive investing beats active investing (usually).<\/li>\n<li>Automate as much as possible. I don\u2019t have a lot of extra time or energy \u2014 so set up systems (e.g. automatic salary deductions) that remove typical human weaknesses.<\/li>\n<li>Use technology to make life better. Almost all my investments are done 100% online.<\/li>\n<li>Invest for retirement. I\u2019m a long-term investor, not a day trader \u2014 so don\u2019t worry about short-term market swings.<\/li>\n<li>Never stop learning. How I invest today is very different from five years ago. It\u2019ll probably change again in the next five.<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"Remember-investing-is-personal\"><\/span>Remember: investing is personal<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Would I recommend anyone to follow my investing principles? I think they\u2019re actually good principles for someone who likes their job, is earning a stable income, and wants a balanced life \u2014 with time for family, friends and hobbies.<\/p>\n<p>The only part which isn\u2019t mainstream is the 80-20 (safe vs risky) split, which is my take on Nassim Taleb\u2019s barbell investing, whereas a financial adviser might recommend a conventional 60-40 stocks-bonds ratio. Regardless, the idea is long-term balance \u2014 something that allows you to sleep well at night, but still wake up one day 25 years later and say \u201cWow, I don\u2019t think I\u2019ll struggle with money ever again.\u201d<\/p>\n<p>Of course, if you have different targets \u2014 say you\u2019re hustling for FIRE (financial independence, retire early) in 10 years or you wanna become a stock market trading guru, you\u2019ll probably need different principles.<\/p>\n<p>Whatever it is, I hope you think hard about your own investing goals. And get to a point where you\u2019re comfortable enough to decide what really works for you.<\/p>\n<p>Investing is a tough open-ended question, but like most meaningful things in life, that\u2019s what makes it sweeter when you finally find the answer.<\/p>\n<div class=\"block\"><div>Aaron Tang is the founder of\u00a0<a href=\"http:\/\/www.mr-stingy.com\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">mr-stingy.com<\/a>. He writes about optimising time, money, and relationships \u2013 to make the most out of life.<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Here&#8217;s how financial blogger mr-stingy invests his money.<\/p>\n","protected":false},"author":41,"featured_media":44426,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-44419","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How I Invest My Own Money<\/title>\n<meta name=\"description\" content=\"Your investment portfolio has to account for your risk tolerance and personal financial situation. 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