Lowyat.NET: Latest topics by raynmann

how much can earn from tik tok?

raynmann — Mon, 25 Aug 2025 10:27:04 +0800

can anyone elobrate?

se many dancing in front elevators

some singing in front their pre reg merc

some agents giving their opinions like very successful

they get paid per viewingS?

why PMX son not into politics?

raynmann — Mon, 25 Aug 2025 10:18:20 +0800

he could be the next leader of this country but surprised he is not into politics

only hope now is nurul.

who else can lead us?

work in kv rm5mil , work in Sg 2mil SGD

raynmann — Thu, 21 Aug 2025 09:36:47 +0800

Topic : work in kv rm5mil , work in Sg 2mil SGD

Work in KV - BEng, Mba- Engineer-Sr Eng- Head Eng, Sr Mgr
Retire at 55 : Total Cash acccumulated/savings inclusive retirement funds RM 5mil

Work in SG - Spm - Office boy- Supervisor- Sr Supervisor, Head of Cleaners
Retire at 40: Total cash accumulated SGD 2 Mil @ RM 6.5mil

KV vs SG Age 55 (RM5 Mil) vs Age 40 (RM 6.5Mil)

After RTS completion, will all flock to SG?

Can retire earlier with more cash savings........

Menteri Pendidikan: allocation 4 anti buli kempen?

raynmann — Wed, 13 Aug 2025 13:47:57 +0800

since we spend so much on malaysia flag tag, i think its time to allocate double the amount spent for anti buli kempen. This is due to the recent claims on bullying and we need to educate our current and future gen on this.

Is this being planned ? Its no joke... and important think that needs fast action.

Anyone here got rm1Mil or more in asnb?

raynmann — Tue, 15 Jul 2025 09:52:06 +0800

will you try to top up until 2mil or not?

Retire at 53 with 6.7Mil RM

raynmann — Tue, 15 Jul 2025 09:41:55 +0800

seems to be possible in just a few more years (3-5years)..... earlier planned 50 but covid attributed to a delay

6.7Mil (Combined in epf and asnb)

Average return 5.5% - rm28,346 per month (consider passive income)

Current house paid off

Another prop PJ - RM9.2k per month (balance 15 yrs)
Car - Just purchased byd sealion.... RM4.2k per month -5 years

Car should finish when i FIRE so only left prop loan

28,346-9200 =RM19, 146 per month

RM19, 146 per month sufficient to maintain a comfortable lifestyle in KV?

Any idea were is Khir Toyo now?

raynmann — Wed, 28 May 2025 09:18:53 +0800

is he still running his dental clinic after relesed frm jail?

is your memory fading when u grow older?

raynmann — Wed, 28 May 2025 09:17:11 +0800

hitting 50 and already keep forgetting. is this normal?

Early retire at 50 with 4.5 Mil

raynmann — Wed, 28 May 2025 09:02:49 +0800

Can it be done guys with average conservative dividend calculation 5%?

Average passive income is RM18,750 per month

I know most have this amount and many have even higher but this is the best so far i got

congrats rm9416 passive income kwsp

raynmann — Tue, 04 Feb 2025 14:04:15 +0800

for all ktards with rm2 mil in kwsp... advance congrats

estimated div 5.65%

average passive income per month - rm9416

can life a average comfy life

Insurance salesman higher income than specialistDr

raynmann — Thu, 05 Dec 2024 09:21:03 +0800

my accountant said its true.... insurance salesman earning is super high bcs of the commision received.....

RM4.3mil Age 50 or RM 6.1Mil Age 55

raynmann — Thu, 05 Dec 2024 09:13:46 +0800

will you add 5 more years working life just to get extra rm1.8Mil for retirement?

Or just do FIRE at 50?

4.3Mil -(2.8Mil EPF & 1.5Mil ASNB)

Average passive per month = rm17-20K

Just nice to drive a tesla and do roadtrips

Occasional overseas trips

Passive income rm15627.08 per month

raynmann — Wed, 13 Nov 2024 10:05:05 +0800

Derived from interest/dividens gained from kwsp/asnb/insurance ilp. Estimated min 5%

Current

Passive income rm 15,627.08

Month commitments

House RM paid off
Car 2000
Insurance rm 1500
Food/drinks rm3500
Bubble tea - rm300
Maintenance + utilities rm3000
Travel and entertainment rm3000
Church : rm 1562.708 (10%)

Total expenses RM14, 862.08

Balance on hand : RM765

Projection in 5 years (2030)

Passive income rm 26,203.75

Month commitments

House RM paid off
Car 3000 - upgrade another car
Insurance rm 1500
Food/drinks rm4500
Bubble tea - rm300
Maintenance + utilities rm3500
Travel and entertainment rm7000
Church : rm 3930.56 (15%)

Total expenses RM23,730.56

Balance on hand : RM2473.19

Somehow current and projected passive income meets the spending even its just nice ..... Can make ends meet. Its good to go or need save more to have better lifestyle?

Note current based on total cash rm3mil plus and projection rm6mil above in kwsp/asnb /ILP

Dentist, Lawyer, Accountant, Avg salary 30K

raynmann — Thu, 07 Nov 2024 13:18:57 +0800

what other profession salary about rm30k per month apart from Dentist, Lawyers and Accountants?

Nooryana Najwa Najib : Our future PM?

raynmann — Tue, 05 Nov 2024 09:52:51 +0800

possible as she has the education and expertise to lead

and we need a woman PM to support gender equality too.....

4m Savings - Passive income rm16k per month

raynmann — Tue, 05 Nov 2024 09:36:25 +0800

Having achieved this figure by age 50 will be satisfying .....

3 mil in kwsp
1 mil in asnb

properties worth 2 mil fully paid off

4 mil 5% per annum gives rm16,666 per month cash spendings'

so guys, start saving early..... the power of compounding interest is great

i know many have more than this amount which is very good....... most of us only can achieve rm3-4 mil or max 5 mil ......

Retire at 50 @ 6.2 Mil

raynmann — Mon, 30 Sep 2024 09:18:47 +0800

If we all work towards this goal, all can have A well deserved retirement by 50

Should be enough to cover all expenses and do some charity + 10% to church

4 Mil epf
1Mil - ASM1
1Mil - ASM2
200K - ASM3

6.2 Mil @5% estimated dividen

RM310,000 PA

RM25, 833 per month

Start savings early, once you start working..... do it now if you have not done so

Age:45 EPF + savings 3.5Mil, Age 50:RM6.5 mil

raynmann — Wed, 11 Sep 2024 09:56:04 +0800

compounding interest contributes to some of the massive gains.....

so i would advise most to work till 50.

After 50 with 6.5 mil, can get about rm27K per month

learn from us and dont make silly mistakes...read a lot or listen to advises from financial advisers like faiz.

yes

:
rm 27K per month after 50 passive clean free flow money

what happen to idiot/reckless drivers in FB?

raynmann — Wed, 11 Sep 2024 09:50:41 +0800

used to have msia recless /idiot drivers in FB

but now only left penang idiot/reckless drivers only? FB removed the rest or only penang has such idiots?

Preferred account : Public bank and cimb

raynmann — Wed, 11 Sep 2024 09:43:13 +0800

what are the advantages?