People say go to FSMOne for PRS so its cheap

But its ending doesnt that mean i should just go IBKR from the start

I just got a bonus of 12k but I don't know where to put most of it, I'm currently investing in FSMOne but given the current world economy and the trend, I don't want to put it into etfs all at once (currently dca a few hundred every month), plus I already put 1k extra into my epf too.

Is there a place to store money and make interest at the same time? I already have 20k in rytbank (acting as emergency fund too) to make use of the 4% interest and I'm non-bumi so I cannot put into asnb unless I get lucky with the units

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..

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.

Job A:

RM8.5k
Fully Remote
Flexi Hours (I can sleep till 9am, as long as work done.)
Cook and eat at home
No bonus, increment depends on performance
RM100 monthly claim for Internet subscription
RM1k annual outpatient claim

Job B:

RM10k
5 days on site
9am-6pm
Eat out 5 days
45 minutes+ commute time
13th month salary + bonus
Flexi claim 1k/year + 300/month transport allowance (if you drive) + 1k/year flexi claim

37, working dad with two kids (6 and 4), based in KL. Around this time every year I check which reliefs I’ve used so I’m not scrambling when e-Filing opens. Here’s my list. Keen to hear what other parents add.

SSPN (up to RM8k): We put in RM300 a month for each kid, so about RM7.2k this year. I’ll top up the last RM800 in December to get the full relief.

Medical checkups and dental: The kids had their dental check this year and I finally went for scaling. Keep the receipts, it adds up.

Lifestyle (RM2.5k) + sports (RM1k): The Unifi bill covers a big chunk already. The rest is books for the kids and my gym fees. Toys don’t count, only books.

PRS (RM3k): I put in the full RM3k mostly for the relief. At my bracket that’s about RM570 back. Just remember the money is locked until 55.

Childcare (RM3k): My wife claims this one since the taska and kindy fees are under her name. It balances our brackets better.

Anything I’m missing? I already know about parents’ medical. Curious what else people claim.

I wanted to maximize my tax relief by saving 3k into PRS every year, so far my no brainer investment has been dca into CSPX consistently for 5 years already. I want the PRS to at the minimum match the performance of S&P500, any funds out there that tracks it? So far I don’t know why I haven’t heard of any, sounds like something that can be easily provided by PRS scheme provider, they literally just have to track S&P500.

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?