applies for malaysians

simple ways to reduce taxes and save up for the future

1) https://budget.mof.gov.my/manfaat/en/faq/isaraan.html#:~:text=Voluntary%20Contribution%20with%20Retirement%20Incentive,an%20incentive%20from%20the%20government.

do read the fine prints

2) PRS - private retirement scheme

annual top of up PRS , gives us tax rebates and the money goes into our retirement account rather than

3) investing

depends on our conviction , allocation and time horizon, there are many things to invest our money

a) cryptocurrency - putting the most risky one upfront, do not invest more than what we can afford to lose. every penny put into it, need to be written off , learned my painful lesson and i am down and out.

always rmb to look down, not just look up and dream of overnight riches.

below is my link if you are interested, do use your friends' link if they have it.

You're invited!

b) investing in bursa - KLSE

always do our own due diligence, as it is always risky, statistics have shown that stock picking generally is worst off than those dollar cost averaging into ETFs

etfs are basket of companies that they have chosen and over time, it usually goes up with the country's development and progress, so choose the country that you believe in!

for investing platforms oversea, do review and compare across the board, moomoo is a platform that is reliable thus far.

again, always always do our due diligence before investing.

again, use your friend's code if they have it, and always always study as platforms risk are always there, 2022 and 2023, likely will be tough, but with good mentors and friends and vigilant mind, there is always light at the end of the tunnel.

--> should you have any extra cash lying around, you can park your cash in an app called versa - it is backed by banks and overall a good and safe app recognised by malaysian's bank

always read and understand the fine prints, in life, there is always a trade off.

below attached my link, again, do use your friend's one if they have it.

Hey! Meet Versa, your wealth app that gives you access to globally renowned fund managers who Save and Invest for you.

Join me to get RM10! 🎁

1. Sign up with my code SUKFZKJE

2. Make a first deposit of RM100

Download at https://download.versa.com.my/1bAf/referral?deep_link_value=SUKFZKJE

focus on elevating our value, shining for Him and save up for winter cold times.

a sea of change is coming, that is for sure.

4) ourselves

invest in oneself is the most important, looking after our health and take charge of our lives is the first step of living a fruitful life.

All glory to God, and may 2023 best 2022, as we enter it prepared for the worst, we pray for the best as well.