Think it through, then decide
Long-form thinking on retirement, business exits, cross-border wealth and succession — no selling, just making the hard questions clear.
EPF i-Invest: Should You? Five Questions Before You Move Money
Move part of your EPF into investments for higher returns? For most people the answer is 'not yet'. EPF's 6.15% guaranteed dividend is a high bar — five honest questions before you move.
How to Choose a Licensed Financial Planner in Malaysia
Anyone can claim the title — but a licence is publicly checkable. Three official registers, five questions to ask, three red lines: the complete checklist.
Is EPF Alone Enough to Retire On?
From 2026, EPF defines three savings tiers at 60: Basic RM390K, Adequate RM650K, Enhanced RM1.3M. Most members fall short of even Basic — which spread over 20 years lands below minimum wage.
Earned in Singapore, Retiring in Malaysia: Bringing the Money Home
How to withdraw your CPF, whether remittances are taxed, and what your status is when you move home — the three questions every SG-MY commuter eventually faces.
Selling Your Business in Malaysia: How Much Tax? (CGT, Share vs Asset)
Many owners panic that the new 2024 CGT means a 10% hit when they sell. Good news: an individual selling their own Sdn Bhd shares usually isn't caught by it. What decides your net is share-vs-asset sale, RPC status, and how you extract the cash.
Family Trust vs Will: Which Does a Malaysian Family Need?
"Isn't a will enough?" For many families, yes — but if you have minor children, a business, or want control over how wealth passes, a will alone leaves gaps. What a trust adds, what it costs, and why families often need both.
How Much Do You Really Need to Retire in Malaysia?
EPF puts 'adequate' at RM650k — but enough is never one fixed number. It depends on your monthly spend, your horizon, and whether the money keeps growing.
In Retirement, How Much Can You Actually Spend?
Many retire with enough saved yet are afraid to spend. The problem isn't the pile — it's not having a withdrawal method you can sleep on.
After You Sell the Business, How Many Years Does the Money Last?
At exit everyone fixates on the sale price — but what shapes your next chapter is what it becomes per month, and for how many years.
What Happens If You Die Without a Will in Malaysia?
Some RM65 billion in assets sit frozen and unclaimed in Malaysia for lack of planning. Without a will, the law decides how your estate is split — slower, costlier, harder on family.