Personal Finance Malaysia
Practical money decisions,
explained with numbers.
Hi, I'm Joseph. Just a regular guy trying to make smarter money moves in Malaysia. Think of this blog as my open diary of financial experiments, from comparing credit cards to exploring ETFs. Let's figure this out together!
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The Hire Purchase (Amendment) Act 2026: The End of “Flat Rate” Car Loans
The Hire Purchase (Amendment) Act 2026 has officially killed the classic Malaysian flat rate car loan. But does the new reducing balance method actually make borrowing cheaper? Here is a breakdown of...
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Ruma Pulse: The Rent Management App I Built to Track Rental Properties
Chasing tenants for rent every month using messy spreadsheets is a massive drain on time. That is why I built Ruma Pulse, a simple rent management app that automates reminders, tracks payments, and ge...
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Are US Index Funds Still Safe Amid War & Dedollarization?
With the recent outbreak of the US-Iran war, global tariffs, and rising fears of dedollarization, it is easy to panic. Is it still safe to hold US-heavy index funds like the S&P 500 or VWRA? After run...
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Best Irish Domiciled ETFs for Malaysian Investors
What Is Irish Domiciled ETFs Ireland-domiciled ETFs are exchange-traded funds legally established in Ireland but commonly listed on the London Stock Exchange (LSE), giving non-US citizens convenient a...
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Best Money Market Fund in Malaysia: KDI Save vs Versa vs Moomoo
Requirement for Short Term Cash Parking Every few months I would sell some stocks from my brokerage account to cover my bills and some living expenses, since these are meant to cover bills for the com...
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Places to Park Money – Feb 2026
I have decided to make post like this from time to time to update places that can park money, this is mostly for myself, so I will update as frequently as I personally need it. Most platform only offe...
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