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July 2, 2016

Get Aggressive with Fixed Deposits Today!

So you thought fixed deposits are the easiest, safest, no-hassle forms of investment around? Well, you’re both right and wrong. While the under-lying principle remains the same, there are actually ways to optimise your fixed deposit investments so that they beat the inflation rate and really generate income for you, too.

Take Advantage of Promotions

The main key to take your fixed deposit investments to the next level is to take advantage of fixed deposit promotions. Your fixed deposits are a source of funds for banks, so most banks won’t hesitate to roll a few fixed deposit promotions your way to entice you to save more with them. These promotions offer you freebies, and more [...]

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April 8, 2016

Financial Fire Drills for the Uninitiated

If you have yet to create an emergency fund for yourself, start creating one today! If you already have one, how do you know when enough is enough, and if your emergency fund can withstand true financial strain? Oftentimes it’s best if you can test it with a simulation to aee how well it can survive real life.

1. Have an Emergency Fund

If you want to conduct a financial fire drill, you first need to have the funds to test it against, right? The six-month-salary rule is the supposed safe size for your emergency fund, but don’t worry, you can still run your fund through the wringer no matter how much you’ve socked away. You can even conduct the financial fire [...]

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March 30, 2016

8 Ways to be Richer a Year from Now

Who doesn’t want to  be rich? To do that, though, we’ll have to start somewhere. Don’t know where to start? Try some of these stepping stones below for size:

1. Increase your contributions towards your retirement fund

Did you know that you can contribute more than the required 11% towards your EPF savings? It’s one of the easiest ways to save money, since you won’t even see the money in your bank. Talk to your employer, fill up the KWSP 17A (AHL) form, and you’re good to go. Learn more about EPF here.

2. Pick 3 expenses to eliminate or reduce

It’s hard to know where to cut, but every step you take helps. Choose 3 regular [...]

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December 18, 2015

How Well Do You Know Your Finances?

Congratulations! You’ve made it this far on your own earning power, loans, and familial aid, and you’ve yet to sink the financial boat. That must mean you’re doing something right, right? But how right are you, and is there anything you can do better? Ask yourself these questions and see!

Compound Interest

Both you and your friend aim to open a savings account with an interest of 3.15% per month. You opened one at 21 years old, deposited RM20,000 in it, and let it be for 10 years. Your friend opens one at 25 years old, deposits RM5,000 in it, and continues to bank in RM350 every month. Who has more money when you reach 30 years old, assuming both of you are [...]

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