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Dividend Magic

Saving and Investing towards Financial Independence in Malaysia

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Dividend Malaysia

Dividend and Growth Investing and What are Dividends?

Dividend Growth Investing and What are Dividends

What is a Dividend?

I’ve shown in countless posts my dividend income on a monthly basis. For the benefit of new investors and the layman: “A dividend is a distribution of a portion of a company’s earnings, decided by the board of directors, to a class of its shareholders. Dividends can be issued as cash payments, as shares of stock, or other property.”

That’s the official definition.

Dividend Income

Fun fact: Companies have been paying dividends to shareholders for over 400 years. The first company to ever pay a dividend was the Dutch East India Company in the early 1600s.

Cash dividends are usually distributed to shareholders quarterly. However, some companies pay dividends annually or semi-annually (twice per year). There are no hard and fast rule, each and every company determines its own payout schedule. Some companies will even pay a special (one-time) dividend every so often. These special payouts are separate from the company’s regular payout schedule and are not factored into the stock’s dividend yield.

As always, there are however always exceptions, some of you may notice up and coming growth companies do not distribute any dividends for the first few years. This is because management and major shareholders have decided to retain the profits earned by the business for one purpose – growth. On the other hand, some companies distribute 100% of their earnings as dividends to shareholders. These are mostly mature companies whose growth has peaked. Do note that a peak in growth does not mean that the company’s share price will not increase in value.

Why Do Companies Pay Dividends?

So your next question – Why does a company distribute dividends?

Companies sell shares to the public to raise money, which they then use to fund existing operations and expand their businesses. One way to look at a dividend is as a reward given to shareholders for owning stock in the corporation.

An example. Mr.S has saved up RM10,000 and plans to invest in stocks, he purchases 1,000 units of shares in Company A at RM10 per share. Now, Mr.S who previously had RM10,000 in savings is now an investor – he is a part-owner and shareholder in Company A.

As an owner of the business, one would generally expect profits generated from the business to flow back into his/her pockets. This is why a company distributes dividends. So for your long investing journey ahead, although it’s easy to forget sometimes, a share is not a lottery ticket… it’s part-ownership of a business.

How Do I Collect My Dividend Income?

Collecting dividends from stocks you own in Malaysia easy. As long as you hold the share before it’s ex- date (short for ex-dividend date), you as a shareholder will be entitled to collect dividends.

And yes I know some of you may think –

”If that’s the case, I’ll just buy the stock one day before the ex-date. Get my dividends, and then sell them the next day.”

And you’ll be wrong.

Because the share price itself would drop by about the same amount on the ex-date.

Moving on, dividend payouts are issued on a per-share basis. Using the previous example, if Company A pays out RM0.20 per share, Mr.S would receive a total of RM200 (RM0.20 x 1000 shares) in dividends per year, which translates to a 2% dividend yield.

Investors used to receive their dividends in the mail via cheques. With the advancement of technology, dividends are most commonly deposited into a shareholder’s bank account directly. A dividend voucher will still arrive by mail with more information on your dividend income.

Note that nowadays, more tech savvy (and cost saving) brokers like Rakuten Trade actually email you your vouchers. This makes it that much more easier to store and file your online dividend vouchers for tax purposes.

Below is an example of a dividend voucher I received from a company I invested in – Maybank.

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Dividend Income Investing

I have tried timing the market and listened to all forms of ‘inside information’ and ‘tips’ from ill informed investors and let me quote Peter Lynch on this – “Behind every stock is a company. Find out what it’s doing.” Do not invest on hearsay and rumors, when you invest in a business, know what you own, and know why you own it.

Dividend investing is one of the most popular strategies for traditional, buy-and-hold investors. Typically dividend investing involves selecting companies which feature an attractive and sustainable dividend yield.

Dividend Magic’s Investing Philosophy

I see myself as a sort of hybrid dividend and growth investor. My current purpose for investing? To have a sustainable source of passive income which would eventually cover all my needs and wants. As of 2019, my dividend income per annum is RM16K. A summary of my dividends can be found at My Freedom Fund.

I am right now in the very fortunate position where when I invest in a company, I do not actually have to make sure it is paying dividends. The more important metric for me right now is profitability. And I mean long term profitability.

With my passive dividend income right now at almost 50% of my goal of RM36,000 p.a., I focus more on a stock’s value. Especially in the US, which I’ve started to invest in recently, you’ll see me having some tech stocks in my US portfolio.

Right now as of the time of writing – 2020, my Malaysian portfolio would focus more on stable dividend stocks. My US portfolio will focus more on growth and capital gain. A main reason for this would be the 30% withholding tax I have to pay on dividends in the US as a non-tax resident.

Do NOT be Fooled by Dividend Yields

It is important to know how stocks, dividends and dividend yields work.

Dividend investing does not mean you go about looking for companies with the highest dividend yields. Newspapers and online platforms are always publishing lists of companies that boast high and attractive yields.

As an investor, you’ll want to ask yourself why are the yields that high? Dividend yield is calculated by using the companies’ past dividends based on TODAY’s price. So please do not be fooled by lists like these.

My system of calculating my dividend yield is the opposite. I am using today’s dividends and dividing it by the price at which I first bought the stock. Ie. Dividends received / Gross investment.

If a company is doing well and increasing in profits every year, I’ll likely see my dividend yields increase every year too.

I have compiled the full list of my 2020 dividends received hERE.

End.

Dividend Income

For those of you who are not convinced with the power of compounding, I leave you in the good hands of Albert Einstein’s wisdom: “Compound interest is the eighth wonder of the world. He who understands it, earns it … he who doesn’t … pays it.” 

To embrace and let time and compound interest work for you, reinvesting your dividends is key. In 10 to 20 years, you will see your portfolio snowball from mere thousands to millions.

For me, the key to stock investing is your investment period, if you are not willing to own a stock for at least 10 years, do not even think about owning it for 10 minutes. If the stock market keeps you up at night, you are not investing correctly, you should be able to see your portfolio decline by 50% without becoming panic-stricken.

My monthly dividends coming in are one of the few things that make me truly happy.

Thank you for reading.

For the next article of the Investing Series, check out article 007 – Investing is Simple – Get Started!

As always, Facebook, Instagram, and now YouTube! Follow, keep up to date.

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Investing in Malaysia – Your 7 Investment Options

By Leigh
Updated July 30, 2019 Filed Under: Dividends, FI/RE, Investment, Portfolio - Freedom Fund 19

What can I and should I do with my savings and excess funds? What are my investment options in Malaysia. That ought to be the question in the back of our minds, constantly.

My train of thought has always been as follows.

Savings – Investment – Passive Income – Reinvestment – Financial Independence

I know, Dividend Magic is almost always about Dividend Investing. And, I’m aware it can be somewhat intimidating for most of you to start dabbling in the stock market and investments in Malaysia.

In light of that, allow me to introduce the 7 viable, long-term investment options in Malaysia that might suit your needs.

When I say investing, I mean investing and not speculating. The difference?

Investors seek to generate a satisfactory return on their capital by taking on an average or below-average amount of risk. On the other hand, speculators are seeking to make abnormally high returns from bets that can go one way or the other.

The list is arranged from safest to riskiest.

Fixed Deposits (“FDs”)

Returns per annum: 3 to 4%

CIMB Unfixed Deposit
CIMB’s Unfixed Deposit

Let’s start with the simplest of them. Fixed deposits or FDs if you will.

Now, I wouldn’t even classify fixed deposits as investments. They’re more of a financial instrument where you place your money while waiting for investment opportunities.

Most of you may have heard of fixed deposits but I know for a fact that most Malaysian youths have their money in savings accounts. And they leave it at that. So instead of earning 3-4%, they earn that miserable 0.1 – 1% provided by most savings account.

And yes I know M2U savers gives you 2%.

Where can you place FDs?

I’d suggest going to your own bank and opening an online FD account. It is important to have an online account as it will save you time. You’ll be able to handle all fixed deposit placements and upliftments through the click of a button without having to be physically present be at a branch.

Treasury Notes and Bonds

Returns per annum: 4 to 6%

Before everyone starts making a fuss about how bond returns can go up to 8-9%, let me remind you that this article focuses on long-term and calculated investments in Malaysia, for the masses.

And the term used for high-risk, high return bonds is Junk Bonds.

Moving on, treasury notes are actually safer in comparison to fixed deposits because they’re issued by the government. However, they’re usually issued in the millions and not for most of us.

Bonds, if you don’t already know are a fixed income investment in which you, as the investor loan your money to a company. In the event that the company goes broke, you as the bondholder gets paid first, before the company’s shareholders.

In the past, the way I invested and put my money into bonds was through mutual funds via Fundsupermart. I’ve been told that they’ve recently started offering bonds right off the bat broken down into lower values ie. RM10,000. This makes it easier for the average Malaysian to get a piece of the bond action.

Gold and Silver

Returns per annum: N/A

Look, there’s no way I’m going to give you an estimate on the returns of trading in precious metal. One thing holds true, however, during times of uncertainty, the price of gold and silver goes up. They, therefore, serve as a good defensive asset.

If you time it correctly and buy them during economic booms, you’ll have an investment that will see you through the decades ahead.

Silver Coins

Personally, I chose to invest in silver years ago. The way I invested was by buying and collecting silver coins offered by various governments around the world. My favourite is the American Eagle and Canadian Maple coins. The Chinese Panda coins are also part of my collection.

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My coins cost a total of RM2678 back when I purchased them in 2013 and in 2015. They’re now worth about RM2975. About RM95 each. Cheapest I found on Malaysian sites.

That’s about a 10% gain for me over 5 years. It’s nothing to shout about but I’ve seen my silver increase to 50-100% during recessions. Still, I don’t plan to dispose of them anytime soon.

Stocks

Returns per annum: 3-10%

Welcome to my neck of the woods.

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Investing in stocks in Malaysia has always been viewed as a risky business. Why? Because Malaysians confuse investing with speculating.

In my personal, honest opinion, Dividend Investing is a really safe and sound way to invest and achieve financial independence.

Dividends are like the gift that keeps on giving because as the company you invest in grow and increases its profits, the dividends they pay out increases every year subsequently.

But guess what? You would have still paid that same RM10K initial capital and your dividend yield will continue to increase every year. A quick look at my portfolio – the Freedom Fund would show that sweet increment in dividends.

Of course, to enjoy these kinds of returns and yields, you’ll have to get some legwork in and pick only financially sound companies to invest in. And you’ll have to invest for the very long term. Think 10 – 30 years.

I’ve compiled a list of the Best Dividend Stocks in Malaysia here for your perusal.

Blue-Chip Defensive Stocks

Now, blue-chip defensive stocks like NESTLE are stable stocks you can hold for the rest of your lives. You’ll receive increasing dividends every year without ever having to work for it.

And because blue-chip companies are huge and stable by themselves, they won’t be as affected by the volatility of the market.

Another fine example would be investments in Malaysian banks. My  RM26,527.86 investment in Maybank alone since 2016 has brought in a total of RM4,685.36 in dividends alone. That’s a 17% return in passive income for me. I’m enjoying a 7% yield this year with Maybank and hope to see this value increase in the near future.

Real Estate Investment Trusts (REITs)

Another type of stocks that I always encourage beginners to invest in Malaysia are Real Estate Investment Trusts.

My all-time favourite Malaysian REIT right now is IGB REIT. They’re mainly in charge or Mid Valley Megamall and The Gardens.

The dividend yield from IGB REIT has skyrocketed to RM2,865.43 which translates to 7.09% for me this year.

My gross investment is RM40,417.74 (at RM1.3563 per share).

Market value (as of 9 Dec’18) is RM50,660.00 (at RM1.70 per share).

My capital gain is RM10,242.26 or 25.34%.

A comprehensive review of the company can be found hERE.

Real Estate

Returns per annum: 3-10%

Property. This is a tricky one for Malaysians.

The current mentality of Malaysians is to purchase your first residential real estate right off the bat. If your monthly salary is RM5K, get a home that’ll cost your RM4k in monthly repayments. They’ll tell you to hold on to that and in 10 years time, sell it and double your money.

This isn’t investing. This is speculation. A savvy investor would look to a property that can not only cover your monthly repayments but give you a positive net income every month.

And from what I’ve seen and from personal experience, the only two types of real estate that can give you positive returns right now are low-cost residences and commercial properties.

If you’re looking to buy and hold and bank on the real estate’s value skyrocketing, you’re better off purchasing a piece of land.

Low-cost Residences

I personally own 2 low-cost flats. How I manage and my returns are all detailed hERE.

TLDR: They net me a positive income every month. But they’re giving me a headache in terms of maintenance and tenant management. I’d rather have invested my money in REITs.

Commercial Real Estate

Specifically, shop lots and offices. Having companies and registered businesses as tenants is a much less risky affair compared to low-cost residential tenants.

The cons. You’ll have to fork out a huge sum to get yourself a commercial lot.

Unit Trusts and Mutual Funds

Returns per annum: 1-5%

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I am for all intents and purposes anti Unit Trusts and Mutual Funds here in Malaysia. Why? Read this article here and you’ll come to realize how the exorbitant fees charged by funds in Malaysia will impact your financial wellbeing.

Private Retirement Schemes (PRS)

Nevertheless, I’d recommend investing and putting your money in Private Retirement Schemes. If you’re a Malaysian youth, you get an extra bonus from the government. If not, there’s always that extra tax-deductible afforded when you put your money into PRS. More on PRS hERE.

Robo-Advisors

You’ll also want to check out Stashaway. You pay much less fees compared to Unit Trusts and Mutual Funds. And you get access to the global markets.
Less fees!

More on Stashaway hERE.

P2P Lending

Returns per annum: 10-12%

Funding Societies

I’ll never recommend investments and services I wouldn’t use and/or purchase myself. I’ve put up some of my own funds and tried P2P lending with Funding Societies.

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My experience and the review can be found hERE.

All you need to know about Peer to Peer Lending and Funding Societies can be found there. My annualised returns have reached 13.12% per annum.

Which actually beats the returns from my stock portfolio last year. Go figure.

The risk with P2P lending here in Malaysia isn’t high at all contrary to popular belief. It ranges in the 0.1 to 0.5% right now. The key is to diversify and place RM100 in 100 different loans, as opposed to RM1,000 in 10 loans.

End.

I’ve personally invested in all 7 of the aforementioned investment options here in Malaysia.

I’m sure many of you will have additional investments not listed above that you’ve put your money and faith in; Do drop me a comment letting me know what they are and why you think they’re investments worth considering.

I’m both excited and eager to hear what Malaysians invest in.

As always, due diligence on your own part is required when deciding to invest. I urge you again to invest and not speculate. Invest for the long term and invest in the fundamentals.

This has been a particularly long one. That’s what she said.

As always, thank you for reading! Follow me on Facebook and Instagram for weekly dividend updates!

Onwards and upwards!

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Nestle (Malaysia) Berhad – Household Food Products in Malaysia

By Leigh
Updated December 5, 2018 Filed Under: Best Dividend Stocks in Malaysia, Companies in the News, Investment 1

Nestle's Product Portfolio

Here’s a company whose products you’d definitely find around your household as a Malaysian. Boasting a huge range of food products, NESTLE has its tentacles everywhere.

While NESTLE has had to deal with its fair share of criticisms (aka the Milo incident), it has bounced back from it with a range of new products. And new profits.

Nestle Malaysia 2017 Annual Report

This here analysis is based on NESTLE’s 2017 annual report which can be downloaded here: nestle_annual_report_2017

Being awarded the ‘Highest Return on Equity Over the Past Three Years’ is no small feat.

NESTLE AGM

Also, NESTLE had quite a turnout at this year’s AGM with a very supportive base of shareholders.

I’ve got videos of the fun-filled fare up on my instagram.

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Understanding the Business and its Products

Nestle's Product Portfolio
Nestle’s Product Portfolio

You would’ve been living under a rock if you fail to recognise just one of these household names. The products shown here has crept into the lives of Malaysians since we were children.

Let me paint you a picture.

You’ve had Nestle Milk when you were young. You remember the Milo trucks parked at your school compound serving free cups of chocolate goodness. You somehow recall that annoying Mat Kool song cruising round your neighbourhood.

And as you got older, you went to college where you had to tighten your belt and save some money so you filled your stomach with Maggi for breakfast, lunch and dinner. You stayed up late at night studying, buzzed on Nescafe.

What’s next you say?

You get a new job at some high-flying company, what’s that coffee machine you find in your pantry? Nestle again. Your boss pays Nestle every month to keep the machines churning. You enjoyed late night outs with your friends and colleagues at the mamak. Guess what your resident Ah-ne uses in his food and drink? Nestle.

Hell, you even remember them ‘Take a Break, Take a Kit Kat’ ads! Your parents and grandparents are probably taking Nestum in the morning and Omega at night for their bones and stuff.

My point being, Nestle’s products are here to stay for the foreseeable future. And you my friend, have been lining the pockets of NESTLE shareholders since you were 5.

 

Facts and Figures

Nestle Malaysia Growth
Source: Yahoo Finance

Investor’s realized the value of NESTLE in 2018, in a huge way. The company’s stock price has almost doubled since 2017, despite their latest Milo Incident.

I do not foresee any big jumps in the share price in the near future. Neither do I see too big of a dip for the company. At the current price of RM147.90, NESTLE’s dividend yield is below 2% the mark. My dividend yield for the stock, because I bought it at an average price of RM66.88 is at 4.04%.

NESTLE has had a continuous increase in net profit since 2014. As a rule of thumb, companies offering food products like Nestle are able to keep up with inflation.

 

Dividend Growth Perspective

NESTLE has been paying dividends consistently. I’ve held the shares since 2014.

Dividend yield was at 4.56% (2015), 4.04% (2016) and 4.04% (2017). However, with the sudden surge in share price and company growth, we should see dividends increase over the coming years.

Investors shouldn’t expect this metric to go sky-high since growth in the industry is somewhat limited.

Valuation

With the recent price increase, NESTLE is trading at 53.71 P/E.

They’re currently overvalued in my opinion. With everything factored in, I would definitely wait on this stock. Dividend history isn’t there to back up a strong buy signal.

An added note, I’m sure I’ll get many comments and messages saying Nestle is ‘expensive’. Technically it is because to buy the minimum number of 100 shares, you’d have to pay RM147.90 * 100, which comes up to RM14,790 at the current price.

However, if you’re serious about investing, get serious about saving your money. NESTLE is a worthwhile investment and it has been an invaluable defensive stock in my portfolio.

 

End.

NESTLE

Bought Price – RM66.88

Current Price – RM147.90

Capital Gain – 121.14%

Total 2018 Dividends – RM410 (so far)

Dividend Yield – 3.07%

Disclosure: I hold 200 units of NESTLE shares in my Freedom Fund portfolio. At its current trading price of RM147.90, I’m up 121% on the stock.

I will continue to hold onto my Nestle stocks for now, without adding any to the portfolio.

As always, my opinions and strategies are never intended to be a buy/sell recommendation. The strategy used has worked for me and it is for you to decide if it can be implemented into your own financial plan. Always do your own research and due diligence before investing.

A list of good dividend stocks in Malaysia can be found hERE.

 

 

 

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About: Dividend Magic

Dividend Magic The Edge Leigh

Who Am I

Hi there. My name is Leigh and I’m the person and author behind the blog – Dividend Magic.

If you’re new here, welcome!

If you missed my live session on the 8th of November 2020, below is a recording of it.

Do Your Own Due Diligence

I started the blog back in 2015 as a means to track my investments as well as to hold myself accountable for all my gains and losses.

Today, I want to be the voice of reason and logic for Malaysians looking to invest. I’m sure you’ve all been bombarded with ads from investment gurus, offering you classes that cost you thousands in ringgit teaching you the ”basics of investing” or ”dividend investing” or ”passive income”. The list goes on.

Before you sign up for any of these, read through all my articles on the blog. I give them out for free. I have a transparent track record to show you. And at most, you may find yourself wasting a few hours of your time if you did not find my content interesting.

A caveat though, I am not here to tell you or recommend stocks to invest in. I will never do that, and neither should anyone. If someone tells you to buy a certain stock, please be very wary. I’m here to show you how I invest and to show you my portfolio as it grows from RM10,000 to RM1 million and more over the next few decades.

I’m writing this post as a kind of permanent ”Hello!” for new readers that have just hopped onboard the bandwagon. Most people arrive here with the same question:

I want to invest, where can I start?

If you’re new to stocks and want to jump right in, start with my Stock Investment Guide.

Great question, above you, you’ll find drop-down menus titled ”Start Here” and ”FI/RE & Savings’‘. I have curated and arranged a few articles to start you off with. Take your time and go through everything.

Why Do I Invest?

In short: I invest to be financially independent. And to have more time to spend with the people I love and doing the things that I love.

To do this, I need to generate sufficient passive income that’ll cover all my annual expenses.

My Goals

I aim to become financially independent by 35 years old. To be able to maintain my current lifestyle, I’d need roughly RM36,000 per annum. I will formally pronounce myself financially independent when that RM36,000 p.a. in passive income is achieved. For now, all of my efforts will be to build towards this goal.

Below are some of my current (2020) investment holdings:

  1. Freedom Fund – RM545,778.21 (as at 31 December 2020)
    Dividends – RM15,415.64 p.a.
  2. Freedom Fund (US)
  3. Cryptocurrencies – RM34,424
  4. Stashaway – RM18,253.27
  5. Property – RM60,000 (after mortgage deduction)
    Rental – RM4,000 p.a.

How I Invest

Growth and Dividend Investing

A misconception readers have about my way of investing is due to my site’s name – Dividend Magic. To set the record straight, I am not a pure dividend investor.

My investing philosophy is to invest in growing, profitable companies. I particularly focus on companies that increase their profits year after year. In return, these companies should provide me with increasing dividends as passive income every year too. All these happen over the very, very long run. Think 20 years or more.

My Malaysian stock portfolio which I dubbed the Freedom Fund will mainly focus on growing and dividend distributing companies. My US stock portfolio will be focused on growing companies, not so much on dividends.

Why? Because we as Malaysians are charged a 30% withholding tax by the US on dividends. So, it doesn’t make sense for me to invest for dividends in the US. Instead, I go for capital gains, which thankfully, Malaysians don’t get taxed on.

A portion of my portfolio will be placed in cryptocurrencies as well. I aim to have maybe 5% in crypto – mainly Bitcoins.

There you have it, I keep my goals and strategy simple and you should too.

How Did I Get Here

Reading books on investing and savings got me interested in Financial Independence. I started investing straight out of university. I didn’t have much then but I slowly built up my Freedom Fund as I started my first job.

Progress was gradual in the beginning but with the help of my newfound salary, success in a new business venture, and compound interest, I managed to grow my portfolio from a mere RM10,000 to RM345,955.92 from 2013 to 2016. And then to RM545,778.21 in 2020. I must stress that a huge amount of that growth is from my own savings and capital injections. The portfolio grew at a CAGR of about 10%.

It wasn’t easy keeping my savings rate above 50% per month. I still live with my parents, for the first few years, I didn’t splurge on food and lived well within my means. With a healthy portfolio and time on my side, I can now afford to ease up and enjoy life a little more. My portfolio was built on frugality.

FI/RE

I am also practicing the Financial Independence and Retire Early movement – FI/RE.

FI/RE is where I aim to have my passive income cover all my expenses. And I see my dividends as passive income. You can read more about FI/RE hERE.

dividendmagic.com.my

The blog started out as a way for me to keep track of my investments. To keep myself accountable and to make sure I’m always on the right path. As you already know, I keep track of my gains as well as all my losses.

Fast forward to 2020, the blog has grown. At this trajectory, we’re close to growing to a million views a year in 2021. This is huge for me and I’m always thankful and grateful for the readers and friends I’ve made through the blog.

We’ve also blossomed into a tight-knit community where I have meaningful discussions with readers. We also do small meetups to just chat and talk about investments. You can access our FIRE Group on Facebook hERE.

Right now, I see Dividend Magic slowly transitioning into a site where Malaysians can get access to information and resources on investing for free. Investment and stock market gurus have been sprouting up here and there offering dubious classes and doling out questionable advice. Be very wary of people that tell you to buy a certain stock or ”asset”. They always stand to gain one way or the other.

I will continue to update my investments and portfolios as I always have.

I will continue to provide recommendations and conflict-free advice to readers.

I will not, however, tell you what stock to buy or when to sell your stocks. Instead, I aim to provide you information about the tools I use, the best platforms and brokerages, and everything else in between.

I provide you with the information and tools necessary, you do the rest.

Final Thoughts

I’m here to show you what real investing is really like, and that anyone can invest. There will be losses, there will be gains, I aim to be 100% transparent in my investment journey, documenting all aspects of it.

The more Malaysians we can get on the road to investing and to financial freedom, the better off we all will be. I hope I’m able to start cultivating diligent investing here at Dividend Magic.

Onwards and upwards!

On a side note, I am also a certified financial planner with the Financial Planning Association of Malaysia. I say this because if you ever need help with your finances, you can drop me a quick message and I’d be glad to help. Pro Bono style. To date, I’ve helped many who’ve reached out with their finances, so don’t be shy.

As always, Facebook, Instagram, and now YouTube! Follow, keep up to date.

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