credits to : https://www.drwealth.com/prime

what is your strategy/investment plans going forward in 2023?

1) all in

2) all out, 100 percent cash

3) keep DCA in

4) keep a balance approach

5) invest? no way it is too complicated, i want a peace of mind and serene sleep.

If you make a little effort to help somebody out you can actually change the trajectory of their entire life.

236-2:50:53

remember, there is a greater purpose of living than ourselves, regardless of your faith.

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.

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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.

the luck factor

i guess, in short, pray more for wisdom and favor!

all credits to --> https://www.youtube.com/watch?v=WizT_VdtOYM

1) gratitude journal - in all things, give thanks, for it is His will for us!

for He is for us, who can be against us!

being able to think differently as new evidence arises is a very important trait in surviving life.

seeing our investments/hardwork going down the drain, could upset the most resolute/versatile person.

but in all things, all things will work for greater good, as long as we Love Him.

in all things, will work for greater good, as long as we continue with the right heart. \

2022, where the tide subsides, teaches us more on ourselves rather than the macro/micro environments.

always go back to the initial thesis and reevaluate it. some goals are worth revising, some efforts are worth fine tuning, and some battles aint worth fighting.

choose our battles, wisely.

Consistency is mother of mastery.

- Start day by sweating

- Write journal to be aware of your goals and know yourself better

- The things that you schedule are the things that get done

- Plan the week every Sunday, write it out ( Blueprint for a beautiful week)

- Vague goals lead to vague results

- Go the extra mile , deliver more than expected

- Become indispensable

- Schedule 60 minutes a day for learning (Audiobooks , Podcast , Reading , etc)

- Will allow you to know more about your field

- Spend time in silence, solitude and stillness, just thinking.

Ideation without execution is nothing more than delusion

1) delete people who steal your joy

biblical stance : always be grateful and give thanks, for it is the will of our father to us.

who is the people who bring us up/down? select wisely.

2) remember that everything that happens for us is for our growth

ego versus fear, burn away our ego + create our authenticity

appreciate adversity/tragedy

biblical stance: in all things, all things work for the greater good for those who love Him

3) when you own your morning, you will own your life.

seasons in life: do the right thing at the right time.

4) movement doesn't equal efficiency

masters of yes versus magicians of no

do few things, exceptionally well.

if we are always busy , tired and burnt out, we aint doing it right.

being busy doesnt mean being productive

5) it is not who we are now, but who we are transforming into

comparison is a thief of joy.

biblical stance : romans 12:2 Do not conform any longer to the pattern of this world, but be transformed by the renewing of your mind. Then you will be able to test and approve what God's will is--his good, pleasing and perfect will.

journey and walk with Him, not looking over our shoulders.

6) the most loving in the room wins

1 corinthians 13:13

And now these three remain: faith, hope and love. But the greatest of these is love.

looks like, the wisdom has always been there, in the bible.

controversial choices initially might grow into great investments over time.

Being early might be mistaken as being wrong, however there is always a chance to hit a homerun.

regardless, not losing is key before the eventuality comes.

not a believer in self managed investments / self selected stocks as personally it is out of my league.

before reaping the rewards, important to have self custody, where we are able to run away from the very hands of people like Alex, SBF, and other opportunist whom run ponzi's and spit lies.

if you are a believer of crypto, there is a need to learn self custody.

whether or not it suits our time horizon/beliefs/convictions, is a matter on its' own.

daily reflections:

we are often too meek to others, while too fast to judge to our very closest family members.

love more, live life, judge less, laugh more, cry harder, run relentlessly, fail unashamed, speak with sincerity, work with vocation.

because, YOLO.