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The thought of retirement makes me cry. My apologies to everyone who have retired and filing social security during this time after putting in all those years of work just to lose everything to a problem you weren't to blame for.it's especially difficult for people who are retired.
True, It has never been easier to understand how to build your money after retirement than it is right now with the inflation, when you may study and experience a completely variegated market passively by employing a successful portfolio-advisor. The impacts of the U.S. dollar's gain or fall on investments, in my opinion, are complex.
Even if you’re not skilled, it is still possible to hire one. I was a project manager and my personal portfolio of approximately $850k of my retirement pension took a big hit in April due to the crash. I quickly got in touch with a financial-planner that devised a defensive strategy to protect and profit from my portfolio this red season. I’ve made over $250k since then.
Vivian Carol Gioia is my adviser and she is highly qualified and experienced in the financial market. She has extensive knowledge of portfolio diversity and is considered an expert in the field. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
Thanks for all the good info regarding retirement living in Malaysia. You mentioned that there are many golf courses in Johor in this video. I retired this past June and enjoy playing tennis a lot and was wondering if there are any country clubs in Johor with tennis courts? I just returned home to the USA a few days ago after spending 5 weeks in Malaysia. I visited KL, Penang, Ipoh, and Malacca in search of a place where I like to retire. Of these places, Malacca was my favorite because it had the best air quality, and the neighborhood I stayed in (Bali Residences) is newer.
Ponderosa Country Club in Johor has tennis courts available for public rental. Yeah, Malacca has a certain charm and we did a video on retirement in Malacca. We can definitely see why you would select Malacca. ❤️
I shuttle between Singapore and Johor for my retirement. Both countries have advantages and disadvantages. When in Malaysia i would go road trip to melaka, kl, and genting. I just love the cool weather. I felt melaka is good place to retire if someone like me that love simple life. Melaka reminds me of singapore in late 60s and early 70s.
@@MrCam70 I don't do that. I plan to stay and travel to Malaysia on long trip . Not stay totally in Malaysia. I enjoy my retirement in both Singapore and Malaysia.
Hi good evening....I just watched yr video.... understand u retired in Johor Malaysia. I would love to retire in Johor as well but I understand we cannot stay more than 180 days in a year. So what is yr advice, appreciate u can enlighten me. Thanks Johnnie here.
Hi Johnnie. We are actually retired in Penang. We travel around Malaysia and other countries to make retirement videos. John is Singaporean and Fran is still Malaysian, so therefore John is on spousal visa to stay long in Malaysia. We covered the different types of visa pretty extensively in another video titled Early Retirement In Penang. Do check in out!!
Hi Fran and John, thank you very much for making these videos. I always watch your content whenver I'm at my lowest point in my mood as it serves as a way of escape, or as a light at the end of the tunnel, that something out there is within grasp and worth looking forward to in future. Just a quick question about retiring in JB; as a Singaporean, would it be possible to rent an apartment and then scoot between SG and MY checkpoint just to have my passport chopped , every other month ? Thanks again for your videos, and amidst the stressful life in SG, i look forward to someday retiring in MY. Cheers!
Thank you so much for supporting our channel & watching our videos. We really appreciate it. Singaporeans have a 30 day tourist visa to stay in Malaysia. The scenario you are asking about : we are aware that there are Singaporeans who practice this scenario. There was even an article that came out in CNA in 2021 about a man who sold his Ripple Bay penthouse, bought a HDB for his wife & kids and he himself moved to JB and lived in a rented house as a form of solitude for himself.
Chicken chop 23 dollars is expensive, given the quarter chicken cost only RM$3.125 (Whole Chicken RM12.50) in Malaysia RM$15.80 is the ideal price. Stir Fried a bit plain. At least for visual, should have choy sum, more fat bean sprout, few big prawns and egg on top. Beehoon should be a bit more darker (dark soy sauce)
Agreed. Noticed the cost of everyday expenses is pretty high, infact higher than the cost here in SG. It's the big ticket items, housing, car, that seems cheaper in comparison. What's the cost of the utilities there again ?
This due to the higher purchasing power of the SGD. Utilities in Malaysia for electricity is high but water is only RM5-10 per month. If you would like a comprehensive breakdown, you can watch our Cost of Living in Penang videos.
Just to highlight those foreigners who have property renting in malaysia must declare tax. Once caught it will be high penalty. So please ensure you submit your tax.
@@davidtan9101 Under income tax law when you derive income from Malaysia you will be taxed. Similar apply to Singapore tax so long you have income derived in respective countries you need to report. If they found out then then will penalised u n stop u from going out Malaysia.
@@francissia4660 ok.. but will i receive a tax filling form from malaysia govt or I have to go to the tax authority and get a form to fill up and declare? In Singapore, the IRAS will send e-invoice for us to pay the amount automatically, we dun even have to fill. Thanks
really, if HSR is to be true, KL is better choice in every way. even with just the ETS and CIQ full integration, already making jb no reason to invest.
Haha! Can! Drive a sports car, eat out 100% in restaurants, live in a luxury bungalow, take frequent trips around Malaysia and only stay in 5 star resorts and hotels. Weekends - rent a yacht and sail around, throw parties.
@@SSxxx18 Malaysian police officers are predominantly Malays or indigenous ppl, are low paying jobs. Taking bribes is common practice and has been developed a culture. Anti-corruption commission is a joke.
JB has become an overcrowded city because of the causeway where hundreds of thousands travel to work daily between jb - Sg - prices are going up in jb due to high demand from all these workers living cheap in jb and work in Sg and Singaporeans coming in daily to buy eat shop wash car .. whatever, can't even get a table at a decent makan place anymore can't get parking everywhere is jam, Sg cars are all over Mercedes Benz, Audi and BMW the top 3 cars you will see everywhere in JB these days - sorry not a pleasant place to retire anymore.
It's always a choice for people. No one is forcing anyone to retire in JB or anywhere in the world, for that matter. We do these videos to show people options, options that they may not know of otherwise.
MM2H is so hard to meet its requirements. especially the 1 million RM deposit and the proof monthly income of 40k Ringgit. Is there a easier way, pls advise.
You can more info about visa from Malaysia immigration. They will refer you to their lisenced agent. You will regret if get your unauthorized one. There are several requirements to get visa unless you have kins here
That what i always talked about is malaysian government wants to make forest city a special economic zone, and i read they are talking to Singapore government about it. Singapore government must make a better deal for singaporean, by getting a long term visa for singaporean to stay in johor, if not it will be stupid to help the malaysia government to save forest city A singaporean retire in pattaya now.
How is Pattaya ? I went Changmai, too many angmohs with their thai wives around. Surrounding not bad. Food not very good. Loads of MSG, etc unless you cook at home on your own. Local thai always seems friendly infront. But when you turn around, it's a different story.
Hi John congratulations for the video, I think penanag is cheaper or am I wrong?? Next month I'm coming to visit Penang, could you recommend some nearby places to visit that aren't touristy, such as beaches, cities and islands? A thousand thanks
Yes, Penang is cheaper. Feel free to check out our Penang cost of living and retirement vidoes. Recommendations : Beach : Batu Feringgi. You can spend a day at the various resort beaches as a day guest. Park Royal, Golden Sands, Lone Pine, Rasa Sayang are all highly recommended. Art mural at Georgetown : spend a day exploring Georgetown and hunt for art murals scattered all along the town area. Start early in the morning as its less hot. Food : You must try the hawker food in Penang! It's truly the best in Malaysia. There are many coffee shops & hawker centres around the entire Penang island. Penang Hill : spend a lovely cooling day up Penang Hill. Lots to do see and eat. Pm us once u are in Penang. If our dates match, we would love to meet you
@@corporatebreakoutcouple Thanks thanks John for the information. I would also like to visit some islands but I think Koh Lipe and the Pernhetian are very touristy. What do you recommend as an alternative? If not, since it's close, I would like to visit some places in Thailand. Yes, I would love to meet you. I will arrive in Penang at the end of Thanks a Lot to You
My piece of advice to everyone : Never retire or plan to retire in Life. Keep doing some or the other thing. Alternate to retirement is shorter hours at the job as you grow old. The moment you retire your body starts getting into hibernation mode deactivating all immune systems thereby giving a free pass to many diseases.
The schools should teach that we can retire from a job, but we don't retire from life. It is important to keep fit, keep doing things that we love, be active in the community, continue to learn & grow as individuals
Really need to work in sg and retire in Malaysia. Things are really not cheap in JB and KL anymore for someone that’s working and drawing a regular salary in Malaysia.
Sometimes I go spend like 100+ MYR on a meal then regret as not worth the money, would rather eat the local food which taste better than any of the fancy restaurants.
By Western standards these prices are great, but I can see the inflation trajectory on this. Within 3-6 years, it is going to be much more expensive to live here.
Thanks for video ! one would need a proper n valid documents to reside in Malaysia! Customs will Question your purpose of visit even if it’s 2 weeks stay ! buying a property in Malaysia don’t equal a visa ! properties around Customs r very Noisy with huge lorry’s horns through out Day n Night very heavy traffic jam n foot traffic! a 10 mins ride back to my condo took me 3 hours back home ! I bought a property in Malaysia n regretted immensely!
Yes, that is correct. We talked about visa for Malaysia in our other videos. How long have you been living in Malaysia? Or is your condo a vacation home?
Condo not a vacation home , how naive of me ! thought just stamp passport in Customs! but stamp entry n exit reflect on passport! run from Indonesian to Thailand! because customs asked for 1 hour at stamp station! I sold my Singapore flat thinking of retiring in Malaysia! I now have valid visa in Thailand only for a year ! I only return to my Malaysia condo to clean n mop place n pay condo bills n water n electricity bills ! I rented a place in Thailand, if I decide to buy SG HDB again I have to surrender foreign property can’t have both at same time SG HDB law ! can only buy private property in SG ! all the stress packing n unpacking n Malaysia title deed! I have still yet to receive it ! I got my condo house keys in July this year but signed paperwork SPA everything in April n rented in Malaysia that is why customs question our frequent entry ! no choice but move to Thailand!
Thanks for taking the time to read n reply , May you both b blessed with Good Health , Happiness, Peace , plentiful subscribers in all your future videos! God Bless .
@@melaniechua6924 have you considered IMAC? No need to chop passports. Or if you got regional business apply for APEC or in digital line, apply for digital nomad visa?
Orang asing tak begitu tahu tentang negeri negeri di Malaysia. Lebih baik orang Malaysia buat ytube ini, lebeh Padat, lebih canggih. Maklumlah, orang asing yg bermastautin di tanah air
Is your wife also earning? In Malaysia, RM5000 gross household income for Johor Bahru is actually in the B40 category, which is the bottom 40 percent of Malaysian households.
retirement is mostly about medical. it would help if you guys talked more about that. when you are young you hardly need to go hospital but when you grow old, you go regularly.
HI, just curious. Did you rent out yr current flat to rent a unit in johor? How much to pay for contractor repair work if necessary? NOT cheap to eat out in Johor daily unless from Malay store ..
We are currently living in Penang. We travel extensively around Malaysia and other countries to make these videos for our audience. Feel free to watch our casual conversation with a Singaporean who lives in Johor in another video. She talks about eating out daily in Johor and other stuff.
Thank you. We want to encourage & inspire others to go after what they want. Our life might look great now, but don't forget that we also sacrificed a lot to get here. Especially when we quit our jobs to set up a hawker business and it failed. The waking up at 4am, the hard work, the extremely long hours... No one said they envied us then. But.... Taking that leap was the 1st step towards getting us to where we are
Cheap the food may be, but what abt the quality of the food, the ingredients used? I'm not talking abt "wah the food has got good wokhey" kinda quality (with MSG and deep frying, all food can taste sedap), but rather, the quality of say for eg - sourdough breads and real tiramisu with alcohol. Are they easily available there? #talkingtomyself In retirement, is "cheap" and "food" the only considerations? One may have a lower cost of living, but must the quality of life be compromised at the same time? I am of the opinion that MOST of the creme of Msia are already working in SG - be it service, FNB etc etc. If I'm craving for fatty blue fin tuna sushi there, is it easily available? haha
Go Japan for that! Haha! We love travelling to the place of origins for the real thing. However that being said, a lot of foreigners flock to Johor to eat restaurant food. The restaurant food quality is as KL standards for certain foods. Now, you watch one of our videos on food comparison between Singapore and Malaysia, we did cover the points on quality, value etc etc.
There are several international schools in Johor Bahru. There are also several good hospitals as well. Johor Bahru especially, is an interesting place because of its proximity to Singapore, so the quality & standard of things catered to foreigners are better compared to some other states like Terengganu or Perak.
@@corporatebreakoutcouple Greetings again sir, i have another doubt..if i invest 100,000 in fd for 60 months is there any option that bank will pay monhly or quarterly interest.
$8 for a coffee is at a very nice cafe. You can still get the local coffee for $2.50 The trade off of being in Singapore is that it's safe from gun abuse and drugs. Citizens do not have to worry about mass shootings in schools, malls. Women feel safe walking around at night.
@@corporatebreakoutcouple don't forget to mention that Singapore is a dictatorship that poses as a democracy. Those who give up freedom for security deserve neither and all that
As mentioned in the video, this is not a budget conscious one. You can easily shave off 30-40%. Just eat less restaurants and cafe food. Take less road trips
@@corporatebreakoutcouple with the influx of sg coming now, prices will go up eventually :(.. myself as expatriate, i have moved to KL years ago after living in sg for sometime, never regretted my decision, i feel much more relaxed in malaysia, less crowded, better quality of life, and malaysian are friendlier than sg fellows who are often stressed or under pressure, always running for this or that, everywhere in sg is crowded and there are lot of rules in the island; feeling restricted there while in malaysia it is easy going majority of the time..
@@corporatebreakoutcouple thx for the message 😊. I don't drive in Malaysia, not used to the left hand side driving (I am from France). I usually take the bus which is very convenient in MY to go to other cities or if I stay in KL, I generally use grab which is very very affordable here. I don't use a car as I stay right in the center just 5meters away from KLCC; everything is nearby. It's so convenient in KL.
just a thought..you Singaporeans are spoiling the property market for locals who may not have the same earning power as you all.I really dislike how Melaka is spoilt becausof Singaporeans wanting to live and play there as a result more developments have taken place which do not fit the asthetic of Melaka town. I cant hardly see some of the historical sites like I used to because of the big-ass constructions taking place. Melaka no longer holds the authentic old world charm it used to have, its quite sad for a Malaysian like myself to witness. :( especially when I return for visits from overseas
All boils down to demand and supply. On the flip side, with more tourists (regardless of nationality), tourism is booming which means more money into the state which then gives more employment opportunities to the locals. Every country ideally wants to attract lots of tourism to boost their economy. The price to pay, of course, will be that things will no longer look, feel and be the same anymore. Even yourself as you shared, are living overseas for better opportunities. Everything needs to progress, otherwise it stagnates and dies.
@@corporatebreakoutcouplenot really it depends only those can contribute yo the economy and not helping n utulised our subsidies products. It will add burden to the country. Anyway more measures implement in 2024 n 2025. Propose don't buy but rent for safe measures
Sound so nice . I live in JB for 46 years ,now I am back to Spore, I feel so safe and convenient here.Wait till you are old and need medical ,that is the time you will run back to Spore. Keep saying very good.Life is not just very cheap cost of living.Are the food safe to eat.Our Spore government have taken so good care of us ,that you cannot see it Only when you live out of the country. Than you will learn how to appreciate Singapore.
This is not a video about not appreciating Singapore. We make cost of living videos around the world, retirement videos around the world to open people's eyes all around the world.
Typical naive reply from a Singapore boomer. Sounds exactly like a PAP mouthpiece 😂 yes Malaysia is too dangerous, pls stay in your small, crowded island don't come over.
News of Country Garden’s debt crisis in China has sparked fears among residents living in the developer’s subsidiary projects in Johor Many are worried that unfinished projects will be abandoned and property prices will fall further Industry experts say residents concerns are valid and Country Garden Malaysia should publicly clarify if projects will proceed as planned
Thank you so much for this, I stumbled upon your video when searching the RTS system...and Forest City 😂... I have a quick question 😅 if someone can help me.. my wife and I are from London, she's an international school teacher (I'm still getting myself set up in life) I'm 33yrs old she's 31... We've been looking at malaysia, how hard would it be for us to settle or have a place in johor...or for myself (no degree, but tons of experience in sales and marketing with both English and French as languages)... I really need help i want to also make friends like yourselves when moving over there... 😊 You guys seem to enjoy life! @CorporateBreakoutCouple 🎉❤
Hi there!!! Thank you for watching our videos! Welcome to our channel! You would actually be better off looking for job opportunities in Kuala Lumpur, the capital of Malaysia. Johor Bahru isn't the place where one would go to work if one is a foreigner. Let us put it this way : if one is a Johorean and would want better job opportunities, one would go to work in Kuala Lumpur, Penang and of course Singapore.
