Sofina Johari, Shariah RFP @SofinaSoFinance
Licensed Financial Planner and Financial Advisor | PhD in Material Physics. Tweets on general personal finance and random stuff sofina-johari.planyourfuture.today Kuala Lumpur City Joined October 2023-
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Emas ni not regulated by SC nor BNM. Jd takde guideline cemana dia patut operate. Selalu bila trigger BNM/SC bila dia dh mula trespass limit yg within under BNM/SC purview
Emas ni not regulated by SC nor BNM. Jd takde guideline cemana dia patut operate. Selalu bila trigger BNM/SC bila dia dh mula trespass limit yg within under BNM/SC purview
🙋🏻♀️I’m one of those with PhD but without masters Papepun, nak skip pape step beyond the norm, ada requirements to fulfil dulu
🙋🏻♀️I’m one of those with PhD but without masters Papepun, nak skip pape step beyond the norm, ada requirements to fulfil dulu
I forsee unscrupulous agents asking people to take money out of their KWSP to make 'investments' to get better returns. It could regulated investments like unit trust or even worst, unregulated investments.
I forsee unscrupulous agents asking people to take money out of their KWSP to make 'investments' to get better returns. It could regulated investments like unit trust or even worst, unregulated investments.
Can’t agree more. I’ve seen a high income earner having very poor judgement of money and keeps making bad decisions, affecting their family. On the flipside, I’ve also seen admin clerks stretch their money as much as they can for the betterment of their family.
Can’t agree more. I’ve seen a high income earner having very poor judgement of money and keeps making bad decisions, affecting their family. On the flipside, I’ve also seen admin clerks stretch their money as much as they can for the betterment of their family.
Satu hal pulak nk kira zakat simpanan nnt kne campur EPF akaun fleksibel huhuhu
Weekend ni banyaknya lah open house. Tak terkejar diknon 😭
“Time in the market is better than timing the market” Ini kata2 fund manager, n somehow relatable to unit trust consultants. It’s earnings seasons n the market tgh bergolak gila. Siapa tgh DCA xyah ler tgk. Siapa opportunist n trader bolehlah cari discounts
Akaun Fleksibel is actually a game changer: if EPF dividends continue to avg 5.5% p.a., that's arguably higher than any other liquid account to store emergency funds or short term savings. EPF 5.5% compared to Money market funds and ASB/M in the 3.5 - 5.0% p.a. range. 7/n
Johor Bahru should have been part of the KL20 Innovation Belt. They are in the best position to ride on the thriving SG business ecosystem and siphon some of the value northwards. Have been saying this for years. But many of those I speak to are short termers. 🥲
Johor Bahru should have been part of the KL20 Innovation Belt. They are in the best position to ride on the thriving SG business ecosystem and siphon some of the value northwards. Have been saying this for years. But many of those I speak to are short termers. 🥲
Some pointers on tax planning for those who earn income from overseas or self-employed without PCB deductions
Some pointers on tax planning for those who earn income from overseas or self-employed without PCB deductions
Semalam Netflix kt TV buat hal, pastu dia blame internet ktorang kata ada 2 Mbps je. Cek kat fon, speedtest 200 Mbps. TIME baru je upgrade our plan (for FREE!) walhal ktorg guna untk tgk TV n kerja je lols “Padanlah stock price Netflix jatuh” - Suami
Some people get bored when FPs biggest mantra is “diversification” because to them it’s just risk management, not profit maximisation. But life is really a series of risk management before you can ever make profits
Some people get bored when FPs biggest mantra is “diversification” because to them it’s just risk management, not profit maximisation. But life is really a series of risk management before you can ever make profits
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If you pay your advisor a 1% fee and haven't heard from them in over a year, it's time to move on. There are way too many excellent advisors doing this job the right way for you to settle.
The best uses of money: - Helping others. - Buying your time back. - Building something that has the potential to positively impact other people. I've found every other use of money is overrated.
@SofinaSoFinance Ya2 yang penting kena masuk. Kalau tunggu2 nih selalunya 10 tahun pun x masuk2. ASB/TH pun xde biasanya, mmg alasan x nak menyimpan. Budaya alasan bukannya budaya menyimpan.
Without revealing too much or bragging, I want to say SEO funnels work. Ok tu je nak cakap
Does anyone know if you can voluntarily add more money to EPF account 3/ Akaun Fleksibel? 5.5% per annum makes it a great place to put emergency funds/ short term savings in general
Akaun Fleksibel is actually a game changer: if EPF dividends continue to avg 5.5% p.a., that's arguably higher than any other liquid account to store emergency funds or short term savings. EPF 5.5% compared to Money market funds and ASB/M in the 3.5 - 5.0% p.a. range. 7/n
@SofinaSoFinance @KWSPMalaysia I don't need the temptation, even the returns are the same.
Real victim in any divorce is always children. Subconsciously budak-budak akan salahkan diri sendiri. “Susah sangat ke jaga aku? Aku nakal sangat ke?” Those thoughts lingering kenapa parents tak bahagia. It took years until adulthood nak faham semua tu hal orang dewasa
this is why I like childfree content. It made me ask myself if I truly wanted kids, or it's just 'what people do in life' It turns out despite knowing kids are tiring and expensive and you lose your freedom and all that, I still wanted one
Just saw a TikTok where a woman said “do you actually want it or do you want other people to see that you have it?” and WHEW! I feel like more ppl need to ask themselves this, because what they THINK they want, isn’t what they actually want. What they really desire is acceptance.
Johor Bahru should have been part of the KL20 Innovation Belt. They are in the best position to ride on the thriving SG business ecosystem and siphon some of the value northwards. Have been saying this for years. But many of those I speak to are short termers. 🥲
Morals aside, does Malaysia need 2 casinos? Especially when just across the causeway there are casinos in Singapore also? What else can be done to revive Forest City? bloomberg.com/news/articles/…
Thanks to saving RM1,000 every month last year for the tax bill, she only needed to top up a few hundred ringgit today. It's rewarding to see such planning pay off, helping clients secure their financial future! 💪 #SuccessStory
I do think that religious scholars would benefit from having learnt the formalisms behind quantum mechanics and relativity just because of the weirdness of it all
In this age, relationships have become transactional, rather than based on the idea of duty and service Is it a consequence of the pervasiveness of market ideology or just a me-first culture?
@najibfazail @SofinaSoFinance Rasanya yg boleh thru apps cimb ja kot for now ke cimb.com.my/en/personal/he…
Not begrudging anyone entrenched in the hustle, but feeling slightly overwhelmed by how many threads I click on thinking they’re just offering useful information only to discover they’re actually vehicles for shopee affiliate links
@SofinaSoFinance Interesting info, thanks for sharing. I boleh simpan for future discussions
@SofinaSoFinance Yup banyak share di Tiktok. It's all over the place. Who knows someone rajin to write an article. And a client is looking the pro n cons, costs to set up an islamic nursing care centre.
@SofinaSoFinance @luxentX For now, it's a very good safety net if you don't have any private coverage. We are very lucky compared to other countries. Of course there are improvements to be made, but for the price, it's hard to beat.
@SofinaSoFinance @Haziqmahmur90an Saya selaku penjual juga setuju benda ikut tekak masing masing. Kalau faham dan mampu buatlah. Kalau kena dengan jiwa pergi lah. Apa yang nak larang nya. Retirement home ikut la retiree mya bukan ikut netizen.
The caveat is limit your exposure. Sikit takpe even if for the sake of learning. Tak faham tapi invest banyak-banyak tu yang salah
Opinion not advice: Try any new investment opportunity you want, no matter how risky, as long as you only use 1-5% of your assets This is better than the conventional advice of learning everything you can first before you do the investment I'll tell you why 👇
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