A) Investment
B) JOB
C) HEALTH
A) Investment
1) Stock - Quite Bad, Negative return because Malaysia KLSE about -6.61 %. I have diversified most of my fund. FKLI - didn't touch.
2) EPF - Unit trust - improve a bit compare to 2018 because of TRUMP and trade war.
2019 Ifast EPF investment:
2018 Ifast EPF investment:
From Negative return in 2018, now become +5% return, not bad lah.
I am using IFAST to invest using EPF, now you can directly invest using Employees Provident Fund Members Investment Scheme (EPF-MIS).
Details: https://www.kwsp.gov.my/-/kwsp-salurkan-rm117-56-bilion-kepada-pengurus-portfolio-luaran
3) PRS - average about 6% per year, I am using fundsupermart to invest. One of the disadvantage is they don't have time average return. I need to divide by year to calculate profit per year. Initially I see the 30 % profit, I sipeh happy. ( cheated by the number, it should be divide by 6 years)
My PRS fund as follows:
FUND selection is very important. The best PRS fund should be CIMB-Principal PRS Plus Asia Pacific Ex Japan Equity - Class C, what do you think???
Details: https://www.fundsupermart.com.my/fsmone/article/article-view/11574/2019-PRS-Fund-Performance-Review
4) Property -
Venice Hill - the new tenant is quite consistent in paying, now rented out at RM 800, he is willing to renew the tenancy which due on end Jan 2020, I increase RM 50, (RM 850 for 2020)
Pajam - stop on October 2019, I spend about 5k to do some renovation, 1 Jan 2020 rented out at RM 450, previously is RM 500 (kanasai), 3 months no rental, better rent it out.
Will I look for 1 more property in 2020, don't think so, don't like to manage tenant unless really FIRE sale.
5) SSPN-i - education fund on par - 2018 is 4% dividend, hopefully higher for 2019
https://www.ptptn.gov.my/perkhidmatan-menu/perkhidmatan-sspni-menu
6) Crowd funding - Funding society, so far so good about 6% return, a lot of default. kanasai, new one is Capitalbay, I will join in 2020.
https://capitalbay.com.my/
7) Hello Gold - not bad, hope Gold will go higher, about 20% return. Only use app, so no screen shot.
Total gold value: RM 1173.49
Total invested: RM 850
https://www.hellogold.com/
8) Stashaway - not bad about 10% return.
B) JOB
9) Job - achieve minimum KPI, Got my 15 years appreciation in current company, How much?? not even RM 100 per year, kanasai.
Wife start working in Feb 2020 after rest for 1 year plus.
C) Health
10) Health - below average. Tummy keep growing, a lot of pants can not wear. Need to reduce my tummy.