13 April 2015

Introducing the all NEW EPF Members Investment Scheme Information Portal (April 2015)

Another very good initiative by the Employee Provident Fund (EPF), a new online portal was launched today to provide the necessary information for all EPF members who conduct their own research and survey on all unit trust funds that were offered under the EPF Members-Investment Scheme (EPF-MIS). Most importantly, it's FREE !!!

The portal named "EPF Members Investment Scheme Information Portal" is managed by an external party and it is accessible as long as the member have an EPF i-Akaun log in.

How to access?

09 April 2015

What is PTPTN Income Contingent Loan ?

Most of the Malaysian who study local universities will borrow from the National Higher Education Fund Corporation (PTPTN). Meaning all of those undergraduates are actually indebted when they further their tertiary studies. Well, this is consider a good debt instead if you finished your study and get a good job to repay back the loan later.

However, statistic shows that many of those graduates defaulted their PTPTN loan after graduating from universities. Few years back, government even reduces the loan interest from 3% to 1% p.a. but yet still no improvement. How about 20% discount if you settled off your loan in one lump sum?

Still not enough...

30 March 2015

How GST affecting our Share investment?

This is another topic on GST awareness. This time we talk about share market investment, your share trading account and transaction costs. Every share investor should read this article. Let's start here...

Many share investors already started their "wait and see" approach since last week because many of us don't know how GST is going to impact our share investment after 1st April 2015.

25 March 2015

[GST] Car Prices will Drop? (March 2015 Update)

It's been hotly speculated by all Malaysian since the day one goods and services tax (GST) being announced. Malaysia being one of the highest car ownership country in the world, anything to do with car prices definitely will become the nation's topic. Here, we look at this topic as a whole with the latest updates:

Why everyone speculating that car prices will drop?

24 March 2015

[Credit Card] What are the Changes after GST implementation?

For credit card holders, there is confusion on how GST is being charged. Over here, we are talking about the service tax and annual fee. Currently, there is a RM50 service tax on principal card holder and RM25 service tax on supplementary card holder. After 1 April 2015, this service tax will be abolished due to the implementation of GST.

How about the annual fee?

11 March 2015

Explaining the Currency Dilemma of Ringgit... (March 2015)

While writing this post, major dailies are reporting that our currency Ringgit (MYR) is weakening against USD drastically. Yes, it does pose some financial risk to our country. We can't deny that we are on the losing side now and we as a Malaysian should know what's happening now.

Why Ringgit so weak?
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