r/MalaysianPF

Hi everyone. I'd appreciate some advice as I'm torn between buying a house now or waiting for an RMMJ unit. Intention to buy the house is mainly to stay, at least for the next 5-10 years.

Here's my situation:
• 27F
• Engaged
• Gross monthly income: RM4,700
• Current commitments: Car loan: RM612/month and insurance: RM161/month. No other loans or debts.

Current savings:
• RM15k in savings account
• RM6k in Tabung Haji
• RM3k in KWSP Account 3
• Around RM2k in gold investments

The house we're considering is:
• RM365,000
• Located in Kempas, Johor
• 3 bedrooms, 2 bathrooms (800 sqft)
• Estimated monthly instalment: RM1,600
• Maintenance fee: RM200/month

The plan is that my fiancé will pay the RM1,600 monthly instalment, while I'll cover the maintenance fee, utility bills, and other household expenses.

But I'm also eligible to apply for an RMMJ unit. The downside is that there's no guarantee of getting one, and even if I do, it could take quite some time before the project is completed.

My questions are:
1. Financially, does buying the RM365k house make sense for someone in our position?
2. Would you wait for an RMMJ unit instead, considering the lower price, even though there's uncertainty and a longer waiting period?
3. Is there anything I'm overlooking before committing to either option?

I'd really appreciate hearing from anyone who has been in a similar situation or has experience buying a first home in Johor. Thanks in advance!

Hello, my company is hiring one Japanese speaker customer service role and we are located in KL (Cheras).

Our company is one of the fortune 500 company and has very stable KPI, bonus and increment. You don't have to be at native level, N2 or N3 are welcomed to try as well.

I'm here for the referral bonus so please DM me for more details and I will send you the link to apply :>

Is there a rule you follow for how much is spent on cars? I know of western standards and benchmarks, but r there any malaysian specific ones? Adjusted for cost of living, higher vehicle costs (taxes) in general in malaysia?

Would like for it to def be comfortable as it’s going to be a fun car

Hi all, for context I am M24 Malay. I have RM 1000 every month for savings but am unsure where to put it. I believe these options have their own requirements to get higher returns as well.

On the other note, do people usually divide their savings every month into several types e.g RM 500 for emergency, RM 500 for future or do you guys focus on one thing at a time?

Just heard the not so pleasant news that my landlord decided to sell the house me, my mom and brother are currently staying in for a 2 year lease. Which barely began.

I'm kinda worried now since idk when he'll find a buyer and I'm currently a college student with a part time job. My mom is 54 going to turn 55 next year can she still apply for a housing loan? She had a car loan in her name but what about a housing loan?

Reason I'm saying if she can apply for loan I can't trust landlords anymore

RM820 Housing incl all util + fees
RM1200 Food, single person
RM145 Subscriptions (fibre + mobiles)
RM435 Obligations: health insur, bank charges
RM1100 Vehicle that I don't drive stored in US

Total Fixed
RM3700

Flexible
RM1300 Entertainment, travel, etc

No longer working. USD295k earning 4.5% + IRA distributions bridging the gap. Some non-asset income later.

Am I all set for life? Death year estimated 2068.

Me and my girl are getting married this year. Both are working with a 3k+ salary in Selangor. We don't plan to be consumed by FOMO and just buy a house literally after our marriage.

But just looking at the current market here, all we can afford is a condo unit (mainly Rumah Selangor). All current landed options are either overpriced (IMO) or just so small.

Don't get me wrong, there's nothing wrong with living in a condo even despite hearing horror stories from co-workers about management, lift traffic, maintenance, etc. But we would've preferred to have our own small plot of land for us to live and call home. Where we can renovate without worries of management and such.

We did try to look at subsales around here but most of them require so much work to do. Kitchen needs cleaning, roofing needs fixing, toilet, by Allah's 99 names, I don't even know what the previous owners or renters did to them.

Anyways, that's just my thoughts on the current house market. Just stuck on the idea whether we can even afford a landed anymore.

Going through it rn with an incompetent newly promoted boss. Wondering what would be the consequences if I ask for a team transfer or straight up quit?

I’ve been at this team for 5 years already and have worked well with other Managers.

This is just a further thought beyond the philosophy of "dying with zero" (a movement and book about spending all your money while you're still alive instead of giving to heirs).

If you do all your maths and estimates, at what age will you absolutely run out such that you should just essentially kill yourself? Not that you would. It's just an age number to compare against your expected lifespan, both of which are completely unknown anyway.

It boils down every "it depends" to one number: your kamikaze age.

Back in mid-2023, I had never owned a credit card in my life.

All I wanted was to find one that gave complimentary airport lounge access — just to bring my wife somewhere nice before our annual holiday. Three hours of free coffee, comfortable seats, and a proper send-off before a flight. That's it. Simple enough.

So I did what anyone would do: searched social media and forums. The information was everywhere and nowhere at the same time. Scattered and unorganised..

Eventually I just opened a Google Sheet and started reading every Malaysian bank's credit card page myself. Built my own table. Got it done. Posted it in a Facebook credit card group feeling very proud of myself (of course it has errors but not a major mistake).

Then I noticed something: Some cards give mileage. Some give cash back. I had no idea what mileage even meant at the time, but I figured I should probably understand it before I start applying credit cards myself.. So I went through every bank's website again — this time hunting for numbers. Minimum spending, cash back rate, monthly caps, spending categories, tier conditions.

I added all of it into the spreadsheet. Built my first personal calculator. Entered my estimated monthly spending. It ran through 200+ cards and spat out the top 30. I applied for cards in order of what my own calculator recommended, based on my own expenditure behaviour.

I went from owning one Public Bank debit card in pre-2023 to holding Alliance Bank (VI, VP, VV, VS), CIMB (Travel World + e-Card), RHB (Shell + Cash Back), RHB-i (Shell + World), AmBank (Enrich VP), AmBank-i (VS), PB-i (VP), Bank Rakyat (Platinum Explorer), Bank Muamalat (Amanahraya), Affin (UKM + Duo Cashback + Rewards), and HLB Sutera. My wife has her own Alliance Bank stack too (and I manage her cards teeehee)

Within three years: 700,000+ Enrich points earned. A few business class return flights to Tokyo — with my wife and my mom. Decent cash back from diligently playing the game. I used to be addicted to online games. Turns out exploiting credit card rewards is more exciting and actually pays out in real life.

The calculator that became a website

I always wanted to share my spreadsheet with friends, but Google Sheets is a nightmare to share properly. So I hacked together a Google Form linked to the sheet — 16 spending fields, auto-calculated results. It worked. Sort of. The UX was rough and the speed was painful and I wasn't satisfied (and my friends show very little to none interest trolol).

In August 2025, I decided to build a proper website. Zero coding knowledge + Zero web design experience + Zero understanding of how the internet actually works behind a browser. I'm a secondary school tuition teacher who has been running my own small tuition centre for 20+ years. The internet was a tool I used, not something I built things on.

I wanted to create a cool name that people will remember. Same petrol stations, same groceries, same online checkouts, same spending routines, same cash back and all I do is : Do it Again, Do it Again, Do it Again >>> DuitGain. I'm proud of my 11 years old brain.

With the help of free ChatGPT, I put together duitgain.com. Very 1990s vibes. I love it. It was just a library back then — 280+ cards with filters, so users could browse and compare. No calculator yet. The data entry alone nearly finished me. One month of inputting card data, and I needed a break.

The calculators got delayed. Until 10 June 2026.

That's when I subscribed to Claude Pro for a month, thinking I could maybe build one calculator in 30 days if I pushed myself. I built two in 72 hours. Then kept going. Calculator after calculator. Then a full website facelift — header, footer, blog, everything. These AIs are genuinely insane. They let ordinary people execute things they could never have imagined, and save them years of learning they'll never have time for.

What duitgain.com can do

Cash Back Suite:

• Cash Back Calculator — enter your monthly spending across 16 categories, instantly see how much each card earns you
• Cash Back Optimizer (the one I'm most proud of) — input your spending pattern, and the algorithm evaluates up to 11.2 million card combinations to find your optimal 2-5 card stack. Accounts for caps, tiers, category exclusions, everything
• Card Comparison — up to 3 cards side by side, with net ROI calculated after annual fee deduction
• Cash Back Card Rank — ranked by spending category (dining, petrol, online, groceries, etc.), filterable by bank

Miles Suite:

• Enrich Points Calculator — monthly and annual Enrich earn projection, with MAS bonus campaign toggle
• KrisFlyer Miles Calculator — same, for Singapore Airlines KrisFlyer players
• UOB Combo Calculator — built specifically for the popular UOB card ecosystem; handles UNIRM conversion, miles toggle, and annual spend bonus tracking
• Enrich Card Rank and KrisFlyer Card Rank — which card earns the most miles per RM spent, across 16 categories

Travel Suite:

• Enrich Points Redemption Library — 51 MH destinations, showing economy and business class points required plus taxes and surcharges
• Individual MH destination pages with best earning card recommendations, flight schedules, and aircraft seat specs — including which seats have direct aisle access. For the aviation nerds and seat selection obsessives

The database:

• 284 credit cards across 18 Malaysian banks, all manually verified against official Product Disclosure Sheets.
• I just completed a full audit of every single card this month — all data current as of June 2026.
• Calculator is not perfect. Please leave me a message if you find any error on it.

What this is not

No ads. No affiliate links. No commission. No sponsored rankings. Nobody pays me to list their card higher. The calculators do the math and the results are what they are.

Completely free. No account needed. No personal data collected.

I did shamelessly add a Buy Me a Coffee button in the menu. That's the entire monetisation strategy.

One last thing

When I think about mid-2023 me — clueless about credit cards, just trying to get my wife into an airport lounge — I think he would have loved this website. He would have found every card in the country, compared them in a few clicks, and known exactly which ones to apply for.

He would have been delighted.

I hope you are too. Feedback very welcome — this community in particular tends to know what they're talking about, and I'd rather hear what's wrong than have people quietly frustrated.

All links in the comments.

PS: AIs are some insanely helpful tools. They helped me to build the website and design the draft of this post. All I did was just copy+paste.

https://preview.redd.it/60ekhxjgsqah1.png?width=1321&format=png&auto=webp&s=7ae0df59449f5e8482fa0889d5dc21a39daa0ede

im 31, i have 30k in savings. my salary is 4.3k after deduction with 2k monthly commitments (car, room rent, study loan,cc,etc). so im left with 2.3k

my initial plan is to loan 100k (for 35years) + 30k saving and add another rm500 monthly into asb which will be max in 16 years. I'll be left with 1.3k for my own spending monthly.

but now im contemplating to loan 200k (for 35years) + 30k saving. in 5 years, it will reach the full amount if im not mistaken. then i can freely use the dividend to pay the loan each month. and the rm9++ i used to pay the loan can be used in other place.

the price of the loan exclude the insurance fee. do you guys think this plan is viable? im not planning to marry or buy a house yet. please help

edit: iirc, the bank say they can give around 4.15 as long as i reopen an account with them

Hello all, I just started working and my whole salary package include several types of allowances. For context, I work in production area and have to wear PPE. I wanna know which allowance should I include in my EPF contribution calculation. Details below:

Basic = RM 3000/month

Transport Allowance = RM 150/month

Toll Allowance = RM 100/month limit. Its claim based. I received the amount that I paid for.

Band Allowance = RM 100/month

Jumpsuit Allowance = RM 150/month

Shift Allowance = RM 7/day only when I work 12 hours. So if I work 12 hours shift for 20 days, I would receive RM 140 that month

Just some thoughts that I have recently. Staying back and doing overtime at your work, can you consider that as a side hustle? Would you do it?

My day job salary roughly translate to RM45/hour. Just a modest middle class income. I have the option to do OT either on the weekday (min 1.5 hours) or on the weekends (min 3 hours). The OT pays you a flat rate around RM23/hour.

I've been meaning to start a side hustle but no idea on what business to start. Since I don't have the idea yet, and to start one probably will take a bit of time, I started to think to just do OT during my day job as a side hustle.

Mind you, the place that I'm working is quite generous in terms of OT, meaning there's always work to do and you can choose to do OT if you want. No need to ask for permissions or lengthy proof to do OT.

This is just a thought to start a discussion. If you have this kind of opportunity, would you do it?

Maybe a bit premature to ask this but I'm planning on quitting my job by the end of the year. What a safe investment to make? I'm not pressed for money but I also just don't want to see my savings doing nothing monthly.

I don't have to pay for rent and I only need to help pay utilities up to RM150 a month. Foods probably cost around the same amount to RM 300~ since I cooked for myself

I m sure a lot of you have switch away from KDI. 2.88% is ridiculously low. So what have yall switched to?

I am looking for the saving place for my emergency fund.

1. Saving rm500-rm700 per month.

2. Easy to withdraw without waiting 3 biz days.

3. I could reap some rewards from saving in the place.

Any idea?

I've noticed this subreddit is pretty anti-trading, and honestly I don't blame people. There's a ton of fake gurus, MLM and people blowing up their accounts.

That said, I've been trading/investing alone for a more than 5 years now. (still in mid 20s). Got a pretty relaxed SE engineer ft job and regularly hustle on markets with my own capital saved up since young + scholarship rewards from good academics results + worked several job b4 starting uni.

Not selling a course, never joined one as well. Not asking anyone to copy me. Just figured it'd be interesting to answer questions from people who think trading is impossible, gambling, or are just curious about how it actually works.

Ask me anything. Even the tough questions.

Hey yall, its one of those questions again. To be simply put, how sensible is it to slowly save up and eventually cash buy or put down a large dp.

Context: Early 20s, driving a 2017 bezza. Really into cars but I know its a big waste of money when I already have a working car. Wanted to get a Rm100k range car but with my salary it was indeed naive, I could probably afford myvi/emas 5 range. Really liked Proton cars but apparently its considered a shitty long term car (x50/emas7)

Hence the question. If I can set aside some cash for the years to come and eventually able to put down 30-40% dp or even cash buy, should I do it?

This is purely from a 'buying car' standpoint. Coz I know there will be a "see what you want lor, if want buy and no affect ur finance then buy lah", yea none of that please.

Also, whats the future for EV cars lookin like, I like to sit inside my car from time to time so having an EV I can on Aircon lol.

""Tl;dr"". Whats y'alls generall consensus when buying a car, Im not trying to buy and look 'cool', just trying to get cars I like to drive. And to owners of proton specifically the x50 or emas5/7, hows the car doing for yall.