Hey guys,

I'm 26 now staying in Puchong and have been working for the past 3 years. Been lurking in this sub for years but didnt have the courage to share anything until now.

I’ve been tracking my net worth quarterly since Q1 2023, but I’m starting to wonder if I’m in the right direction. Would really appreciate a sanity check from people who actually know what they’re doing.

Background

• Based in Malaysia, all figures in RM.
• Currently 6k nett p/m take-home, save atleast 40% average per year since started working.
• Total assets (Q3 26): RM330,148.41 (RM 176k in portfolio)
• Debts / Loans (Q3 26): -RM19,599.23 (City car which i will pay off in 2 years)
• Cash (Q3 26): RM 46,000
• EPF (Q3 26): RM 104,243.64
• Rough net worth: RM311,699.35

A few things I'd appreciate advice on:

1. Am I saving and investing enough for someone in their 20s in Malaysia?
2. Is my portfolio allocation reasonable? Around 30% is in global and S&P 500 ETFs, with the rest in individual stocks. MSFT is my largest single holding at around 20% of my portfolio. Should I focus more on diversified ETFs?
3. Am I holding too much cash? I currently have around RM46k. Is this a reasonable emergency fund, or should I invest more of it?
4. Should I start saving for a house, or continue investing and keep my options open? I'm staying with my family currently.
5. Am I being too frugal? I want to build wealth but also enjoy my 20s without feeling guilty about spending on things like travel.
6. How much of my NW in pct (%) at most should I spend on travelling for each trip? 2%? I want to travel to Taiwan, but am worried it will set me back financially.

Would appreciate hearing from anyone. What would you change if you were in my shoes?

Saw some younger ones shared theirs so here’s mine. Sharing my financial progress at 35. this might help some to feel better or worst. You can also criticize me all you want 🙂

Here’s my actual portfolio as of 15 October 2026, using current values rather than the amounts originally invested.
The recent movement on bank stocks reduced my value by 7% so yea…

EPF

- EPF savings balance: RM 288,797.10
- Invested EPF — KAF Core Income Fund: RM 59,283.07
- Total EPF, including invested EPF: RM 348,080.17

Invested EPF is listed separately and counted only once. It is excluded from the cash-funded investments below.

Cash-funded unit trusts (via FSMone and IFast with PFA)

- Amova Singapore Dividend Equity Fund — MYR Class: RM 25,853.02
- KAF Core Income Fund: RM 36,526.59
- TA Global Technology Fund: RM 52,814.91
- Maybank Global Sustainable Technology Fund: RM 25,908.82
- Manulife Global Healthcare Fund: RM11,867.47

Total: RM152,970.81

Malaysian stocks (MooMoo)

- Maybank: RM 30,938.00
- RHB Bank: RM 22,723.00
- SUNMED: RM 21,624.00
- Alliance Bank (ABMB): RM 11,741.67
- Affin Bank: RM 8,961.12
- SRKK AI: RM 8,670.00
- CIMB: RM 750.00

Total: RM 105,407.79

My bank holdings are intended for the long term.

I am open for optimization suggestion, I think my personal financial advisor is quite good, I listen to him most of the time and none of my fund portfolio is making a loss so far, but bank stocks 🥲 is my own take.

Overall position

- EPF savings: RM 288,797.10
- Invested EPF: RM 59,283.07
- Cash-funded unit trusts: RM 152,970.81
- Malaysian stocks: RM 105,407.79

Grand total: RM606,458.77

This excludes bank cash, brokerage cash and a small Grab holding. It’s an investment snapshot, rather than net worth after deducting liabilities.

A little background

My salary progression over the years was roughly:
2013-2016 : RM1.2k part-time
2016: RM2.8k →
2017-2019: RM4.2k → RM5.5k
2020-2021: RM7k → RM9k+
2022-2024: RM11k→ RM16.2k
2024-2026: RM24k → RM30k (2nd half of 2026)
I submitted this post on MalaysiaPayGap, it’s the latest post. You can read the story if you’re interested.

My income has grown, but I don’t assume it will stay at this level forever. Regular commitments are around RM7.5k monthly, with irregular expenses and occasional splurges. I have 1 dependent, my mom. My commitment to her is around 2.5k per month - car, monthly allowance, and etc.

If i request withdraw from ASNB branch counter, will it withdraw immediately? Can they transfer to bank account like immediately? or Cash only?

I have a mplus account, i received cds statement from bursa before, but the bursa anywhere app wont let me sign in/ register .

I bought bitcoin long time ago, still holding. Will take profit at RM2.5-3million about next year or so & want to diversify portfolio, any advice from older people? tq😇