This is How Much You Need to Save for Retirement in Malaysia!

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Previously, we debunked the common mistakes Malaysians make when calculating how much they need for retirement. Today, let’s find out how much you SPECIFICALLY need to stop working in Malaysia based on your own background.
00:00 How To Use Our Retirement Calculator
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References of this video:
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blog.bismart.com/en/artificia...
• There are 8 billion pe...
• 【人口危機】世界人口第一不再是中國印度...
• The financial crisis n...

Опубликовано:

4 июл 2024

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Комментарии : 175

@MrMoneyTV 11 месяцев назад

Learned something new today? Guess what? There's even more mind-blowing knowledge waiting for you. Don't miss out on the chance to expand your horizons - subscribe to our newsletter and unlock three mind-bending pieces of information every week! !👉www.mrmoneytv.com/

@frankchong5585 11 месяцев назад

Perhaps you can create another video guide on how to derive the monthly expenses cost. A lot of people just simply give an estimation, ie in this case your staff quoting but it maybe too much for her at her age but maybe too little for a family of X members in urbans

@FatimaHassan773 Год назад

Saya sangat gembira saya membuat keputusan yang produktif tentang kewangan saya yang mengubah hidup saya selama-lamanya. Saya seorang ibu tunggal yang tinggal di Melaka Malaysia, membeli rumah kedua saya pada bulan September dan berharap untuk bersara tahun depan pada usia 40 tahun jika keadaan berjalan lancar untuk saya.

@FatimaHassan773 Год назад

Maaf kerana lambat membalas, saya menggunakan pergerakan FIRE untuk mengatur kewangan saya. Kemudian melabur dalam saham, mata wang kripto dan hartanah melalui bantuan Pro pelaburan yang membantu saya.

@AwangBujang997 Год назад

@@FatimaHassan773Cryptocurrency membawa revolusi berbeza dalam ekonomi dunia tahun baru ini, tetapi di sini di Malaysia mata wang kripto tidak begitu popular, seperti AS dan tempat lain, orang yang pelabur yakin memperoleh pendapatan secara konsisten, yang lain hanya akan duduk dan menonton.

@FatimaHassan773 Год назад

@Emilydaniel0.

@JamesSalas-il8rrw Год назад

This is the kind of info we don't get from most RU-vidrs here. I will get in touch with her right away, I'm really impressed. Seeing alot of Successful stories like this, you must be honest and trustworthy to get such positive review.

@AyselMehmet Год назад

@@JamesSalas-il8rrwSaya juga terkejut nama ini disebut di sini, saya terjumpa testimoni salah seorang pelanggannya di berita Malaysia TV minggu lepas.

@charleskaren3948 Год назад

If you wanna be successful, you most take responsibility for your emotions, not place the blame on others. In addition to make you feel more guilty about your faults, pointing the finger at others will only serve to increase your sense of personal accountability. There's always a risk in every investment, yet people still invest and succeed. You must look outward if you wanna be successful in life.

@davidphilomena3093 Год назад

The stock market rally run is gone, but I'm not sure if equities will swiftly recover, keep falling, or fluctuate in a narrow range for a few weeks, or if things will quickly get worse. I'm under pressure to increase my $300k reserve.

@gabrieljules2424 Год назад

@patrickscott6100the market is profiting if you are using a good broker or account manager to help out with trades or provide signals

@pierrelouis6841 Год назад

I agree with you! With her help, I diversified my 450k portfolio among different markets. During this bearish market period, I was able to produce a net profit of little over $1 million from high dividend yield stocks, ETFs and equity. However, the reality is that you cannot do it without a tried-and-true trading coach like Kimberly Kent

@Welch-miranda Год назад

@sylvesterbetty4356 yeah she does and in my opinion, it's a huge one and chance for you to change your life with trading.. I just bought my dream Mercedes from last week's profit. All thanks to her expertise.

@Welch-miranda Год назад

Oh yeah She is always active on whats-app APK

@MrMoneyTV Год назад

Give us a LIKE if you want us to do a series with Jade on personal finance Q&A! 🔥

@grasshoppergreen6517 Год назад

I can't open the calculator file, what the file a?

@anthony.L Год назад

A friend asking if Jade is single? 😅

@craigrussell2045 Год назад

These are fantastic picks, I was really hopeful of my investments this year, but I followed some stock suggestions that didn't go so well, I've been studying the stock market and I realized some investors made millions from the recent recession and I was wondering if such success rate could be achieved in this present market. I'm open to ideas about investing for retirement.

@Jennnparker Год назад

Cryptocurrency crashed the last couple years, so it should be starting a new run to a new high.

@RandyPelletier Год назад

Retirement is all I was looking forward to after working all my life but as time passed, I noticed it was all fairytale because I wasn't able to save as much as I thought I could. I retired with a 7 figure well-diversified portfolio having exposure to different prolific investments mainly blue chip stocks, an allocation fund, S&P500 and coins. I'm forever grateful to Trisha Jean Webb my F.A...

@craigrussell2045 Год назад

@@RandyPelletier Did a quick web search, she has a pretty decent bio, I wrote her and I'm waiting on her reply.

@junedshariff5639 5 месяцев назад

Subscribed. But didn't receive calculator link to download. I have sent email as well

@leejinglim5893 5 месяцев назад

Same

@ckokloong Год назад

My advice on saving enough on retirement. Get a good degree. Prepare to work oversea. Learn as much as you can and take risk in your career. At your mid 40s, there is a high chance you make a very decent wage. Buy small car, being 1 or 2 property for investment. Save some cash, maintain good health..... Secret tip, marry someone work in govt. When she retire, she get half her salary. If she leave before you, you take the retirement benefit (half her salary). Thats what my wife told me, not sure true or not....

@lowkatherine Год назад

Not everyone in government is pensionable, some chose EPF options,some on contract basis, some did not work to the required number of years to qualify

@PassionPno Год назад

You still stuck in 20 years ago? No more pension for those who work for the government.

@nadinefred752 Год назад

If she leave before you, you will get pencen terbitan but it depends on her salary as well. If she is in grade 54 onwards you will get a quite sum of pension. Plus, you can’t get married with someone else or else they will retract the pension

@ckokloong Год назад

@@PassionPno My wife work teach primary school about 20 year already. She is Msia govt restart pencen plan recently. Not sure how true but worth kepoh

@PassionPno Год назад

@@ckokloong Huh? Not true. The government is out of money. They're literally cutting budget here and there.

@cheethiamlim1403 Год назад

can i suggest to make a video to estimate the total cost for Kids to go university? Because not everyone will get into Gov University. Parents has to prepare for it.

@nicod4 Год назад

@Peter, in summary for most Malaysians in general should have at least RM3million savings by retirement age 60 to live comfortably at RM5,000 pm taking into account of inflation all the way to age 80. Note: Savings includes various sources eg: EPF, savings account, investment, etc. The RM5,000 pm should exclude medical insurance as the large premium due to age would not not be justified anymore. Sadly, referring to the statistic released from EPF, not even 10% of contributors will ever make it to this retirement goal.

@anthony.L Год назад

Plus if Im not wrong, KWSP keep saying one needs to reach 1 million at retirement age to be able to have decent life… Total crap!

@Noname-dr1jm Год назад

New KWSP policy is discussed whether to give a mandatory per-month pencen scheme after retirement age...Does Mr Money have any comments regarding this policy?

@yvvonelee5026 8 месяцев назад

What are you going to spend on with your 5K? Have abalone every diner or Alaskan crab every lunch or Macdonald every morning. If you don't take care of your health at an early age, by the time you are 60s, you will probably handling most of your money over to the doctors or nursery home. By then you will light breakfast, full lunch, light diner and definitely NO supper because your digestion is not that of a 18 years old that burn calories faster than you pee. 5K yup 100% CRAP!

@nicod4 8 месяцев назад

@@yvvonelee5026 , I believe you have misunderstood the timeline. We are looking at approximately 25 years to retirement at age 60 (Most viewers here are 35 yrs old on average). Next we look at average life expectancy in Malaysia in view of available technological advances in healthcare and facilities over the next 45 years to age 80. Do take note that not everyone here are married or married with next gen children. Thus, RM5,000 , in the next 30 to 40 years taking into account of inflation is required to live comfortably. It's not only food and shelter that you need increases in price, what about insurance payment, outpatient medical needs & equipment, food supplements, travelling for leisure, maid/nursing services, home fixes & maintenance, car fixes & maintenance, etc.

@abhalimmohamed4313 3 месяца назад

My take is our spending during retirement. I have a friend who just have epf of RM200,000 when he retired at 55 in early 2000. Possibly with some adfitional saving. A few yrs ago, we met and he told me he has been stable since then as he manages his expenses well. All debts are paid off. No lavish lifestyle at all. Just be at home, no touring. Living with very basic lifestyle. Not looking forward to go for new purchases like car, bike, etc. His 2 children are on their own he said. Perhaps providing him and his wife off and on. Children have their own things to take care. Can't rely on them much he said. That's really true.

@sujanelim7928 Год назад

Jade secretly asking for 10-20% pay raise hehe

@ronn420 Год назад

Doable. Keep changing company

@StevenSmith-co5tz Год назад

Another great video. Save, save, save. 🎉

@frankjr2793 Год назад

1 mil....I used to be naive. Now I'm in a mental hospital after knowing the real number

@holypredator 4 месяца назад

You must be an investment god to get a consistent 10% return for your entire life cause even those who worked in the financial/investment sector find it hard to get such a return. Many people tend to forget, that investment outside of FD has a risk of even losing your capital. Many people also tend to hide their losses and only focus on the times they made a return, hence thinking that they are making a good 5% yearly return but when factor in the years they made losses, their actual return could be worse than FD. Be realistic, 3% is what most people could get in ROI.

@changwenhan123456789 Год назад

Actually Jade looks like Peter's daughter Sia XD

@ericlai3221 Год назад

great info

@wmokk 6 месяцев назад

Subscribed, but no link provided to download the calculator.

@tinainaz3830 Год назад

But our incomes will plateau at some point. Does this calculate assume that salary will continue to increase at the rate we put in, or is it more nuanced?

@ebcho1 Год назад

What about for Malaysians worked previously worked in Malaysia and had EPF account and now working in Singapore with a CPF account. Can the calculator still have other features/input to calculate for this type of Malaysian, thanks.

@shauntmw 11 месяцев назад

Using the calculator, it assumes we all want to retire and spend ONLY on passive income. Assuming I have no plans for kids, and I am okay to slowly consume my savings until I die (ie. I have no need to keep a large sum of money when I die), could you improve the calculator to cater for it?

@ikky_mkb Год назад

I have downloaded the calculator and tried using it myself I realised that it's lacking a regular saving/investment section The investment section only assumes your current investment amount and does not reoccur monthly For people who invest a fixed amount regularly (be it into ETF or UT), the monthly investment/saving option can help them figure out the numbers clearly, would be nice if you also include this feature

@cheekl Год назад

7k estimated monthly retirement expenses based on today's standard is consider very high. You shouldn't have to service loan or support child education after retired.

@MrMoneyTV Год назад

Each to their own, everyone has their retirement lifestyle that they aspire to. Anyway u can use the calculator to get the number u need :)

@yuenglee6298 8 месяцев назад

For 2 person... That about right... With small car loan

@MiBuKy0ShiRo1 Год назад

Is there a column to put my monthly saving into this calculator ?

@irwinderkaur9930 2 месяца назад

Hey! Subscribed but couldn’t access the retirement calculator:) was hoping to get some help? Thanks !:)

@RayMak 10 месяцев назад

Oh my

@jasonxjia84 3 месяца назад

May i know how to download the calculator?

@cheongstanly1524 Год назад

What does it mean if my Saving needed per month has a negative in front -RM XXXXX

@msl1689 9 месяцев назад

But how do you get 10% return? The market has been so bad and unpredictable lately.

@holypredator 4 месяца назад

You must be very lucky and always diligently monitoring your investment because getting a constant 10% return for 35 to 40 years is something not many people can do. A lot may have gotten a 10% return for the first 5 years but when it stretches out longer, they could see their final average ROI to be less than 5% average. You should be laughing if you could even maintain 5% average for 20 years because some people ended up losing their capital let alone having any ROI. Remember, high risk = high return also means a high possibility of losing your capital.

@bongsc5648 Год назад

Talk is easy! You still not entering the real jungle and how to become survivor. You may talk again after 25 years later.

@WenNuh2021 Год назад

Is it me or there's no video embedded to when peter say "you can check this video"?

@senghl2203 11 месяцев назад

I think the calculator does not automatically factor in income tax?

@dorayon97 Год назад

I would need someone like this in my life guiding me invest because my parents dint believe in invest😅😅 to make it worst i invest once and lost my money because i dont have enough knowledge that time

@aliaschmalia 3 месяца назад

I didn't get the link to download in the first newsletter :(

@HotRod16 Год назад

Remember also to have a bit life. Life is short. Just have a balance life and sustainability. Lucky la, 24 is fetching 3.5k already. By the way, don't die first if no money. No cheap to die in Malaysia also.

@smlt5685 11 месяцев назад

Just curious, is there a reason why we need differentiate between pre and post retirement inflation? Wouldn't inflation be an external factor and not influenced by our personal circumstances?

@avrilyap6507 4 месяца назад

Inflation is influenced by our personal spending habits. If one likes to purchase imported stuff (for example), generally their inflation rate would be relatively higher if our RM weakens. If one just spends on more local goods, you can safely rely on our Malaysian inflation rate which is based on our CPI. Guess what Mr Money is implying is that usually post retirement, our inflation rate would be lower as we would be more frugal and would spend lesser on luxury items or imported items.

@angchunhang5795 Год назад

If no one else has mentioned, may I suggest to tweak the calculation abit for the EPF contribution by employer. Once salary passed 5k iirc, employer is only required to contribute minimum 12% instead of 13%. *commented before finished the video

@foodlicious-asmr3464 Год назад

Herbertan~~~🎉

@vigthegreat Год назад

My only advice, aim to own 1 bitcoin, Luno is MSC approved. If you are more interested, Ethereum would be good. If you want to take a chance in life changing gains, Solana!

@drbilltay 5 месяцев назад

Increment 10% per year is not a realistic number. Even if you get it, maybe the first few years in your junior year. Even a 5% annually also not possible. Trust me :)

@holypredator 4 месяца назад

Mr Money trying to hint to his employees that he ain't going to give much increment. In reality, 10% is still possible during the initial years because the junior salary is low hence the 10% isn't much. Some retarded company gives 5% across all rankings hence making junior staff leave while some gave monetary amounts rather than percentages. Nevertheless, one thing is for sure, the higher your rank, the lower the increment percentage.

@maxtorsumitomo6249 5 месяцев назад

i registered and still cannot download your calculator? is this a trick?

@athleticos99 11 месяцев назад

i think u can add 1 more item Property on hand, etc, yr dad inherit u a 5m bangalow then put, how much it value after retirement, and how much u can cash out by downsize it to an apartment then that is part of your investment perhaps

@dequadin18 Год назад

do check on Jade if she had started to invest in 1 month time...Hahahaha! I really enjoy your RP Calculator. Hope it is 90% accurate for me.

@nikmanshah1 Год назад

I tried the calculator and it is missing an important calculation at the investment & savings section. There is no option to input our current regular monthly investment. To me this is useful so that we can see whether our current regular investment plan is ok or if we need to adjust it further.

@anthony.L Год назад

I think because regular monthly investment is hard to predict how much the value in 30 years (what will be the evolution of the market, how much dividend a company will give…)…

@scpheng Год назад

I can't subscribe thru website

@TINGHAYDENMoe 11 месяцев назад

What about malaysia pension funds?

@kuancarroty1024 3 месяца назад

i subscribe but i cant download the calculator

@BZLentertainment Год назад

Bro how to get RM3500 salary in Penang?

@alanlts Год назад

Work in MNC . Will get 3k

@3mKay Год назад

work in IT, my first job in 2018 is 3k, now after jump to a small MNC, is 5k without counting bonus and 13th month salary

@athleticos99 11 месяцев назад

based on the calculation i need to work 13 yr more at age 58 and no savings needed, just mere epf, and lets my current investment dividen rolling

@kirubalan Год назад

Hi Peter....is this projection is done assuming that we will withdraw the accumulated investment value money after we retire at the age of 60 on projected monthly basis based on the calculator and assuming we stop the investing post retirement...

@MrMoneyTV Год назад

It assumes u will take all ur money accumulated continuously invest while withdrawing regularly for retirement income. So u get investment returns with your balance after withdrawal

@kirubalan Год назад

@@MrMoneyTV any better alternate solution where you can leave the principal which it give you back the monthly projected return calculated yearly sum in interest......?

@MrLittlecat123 Год назад

Please, do be mindful with risk as well even with conservative investment. I put my saving in bond and.... I lose 1% since 2021... Ya... If I put in FD I still can get like 3 to 4 percent for each year.

@anthony.L Год назад

Everyone lost since end of 2021. Need to wait 2024 the end of the crisis. Sad tho… FD give 3-4% but inflation in Malaysia 3.3% in 2022 and now 3.4-3.6% so at the end u earn just 0.6-0.4%… Hopefully later your bonds will goes up lagi.

@yuanyuan1202 Год назад

How to have 10% return on investment? What investment should we make?

@anthony.L Год назад

Stock market, solid companies with dividend, long term. Have to pick carefully and consistent investment. But it’s possible. I would rather put 8.5% which is safer.

@holypredator 4 месяца назад

@@anthony.L People tend to forget high risk = high return also means a high possibility of losing your capital. If you are unlucky or do not diligently monitor your investment, you might even lose a portion of your capital, let alone have any return at all. Mr Money should advise his fresh graduate not to be so naive, thinking that having a high return is as easy as just saying "Oh OK, I want 10% return then".

@loongchai88 Год назад

Realistically, add the cost of building a family and raising a few children, then the age of retirement will be 90 years old instead.

@anthony.L Год назад

But building a family is made by 2 person. So can add x2 income and x2 investment! Maybe if she marry rich guy no need to work anymore 😅

@yongkheankhoon6710 11 месяцев назад

Was there a mistake when she put 7000 as monthly expenses for future expenses based on today's standard? That's why she lacked so much at the end.... Unless she intends to live a super condo with maids? I am curious

@freakymeltdown1 4 месяца назад

Jade is so funny. I love her expressions. Innocence at its best. 😂😂😂. God please protect her❤

@fixmaster6956 11 месяцев назад

There is think that bothered me though, if KWSP can give consistently 5%, then 2 million should be enough given that your current spending is 3500 and inflation rate is 3% Basically, u will receive 100k yearly, and if that divide by 12, you will get 8000 + per month, at that time buying power for 3500, will become around 6k given that inflation rate is 3% 3% is consider realistic based on past data.

@leejinglim5893 5 месяцев назад

I have subscribe to your newsletter but still didn’t get the spreadsheet 😢

@leejinglim5893 5 месяцев назад

Same

@MrRadheesh17 Год назад

I not understand much..need to watch again..

@justrk3980 11 месяцев назад

Meant for T20 not for B40 and M40

@shamymanavie5096 11 месяцев назад

When she expected annual income raise is 10-20%, I was like "sweet summer child"...lol

@TheDavidLiou 11 месяцев назад

you will probably get 10-20% when you started out... 10% of RM3,000 is only RM300.

@michaelchokhq 8 месяцев назад

Save and invest when you are young. Compounding interest is a magical formula.

@karldini 10 месяцев назад

approx 4,500,000 to retire for 30 years 30 years is 1560 weeks 4,500,000 ÷ 1560 = $2884 RM per week where and how are you spending that much per week!?

@leanne2330 Год назад

Why do people need to retire at 40?

@rohanmatmary2177 Год назад

Have you ever thought that you can start an investment brand. I am sure there are thousands of accountants. But if someone can teach the way you do, i am sure all these young people will invest with you

@athleticos99 11 месяцев назад

i spend 2k now, i cant imagine, with inflation, i probably need to spend 4500 a month, and i though probably 2500-3000 is enough, wow didnt realize inflation really eats up a junk of the investment

@reubenfrancis2550 5 месяцев назад

Why no advice to increase her EPF contribution? Extra 4% a mth will do wonders

@mrroundfrog Год назад

My savings needed is negative. What did I do wrong lol?

@alexsoo2390 Год назад

I think it means you have surplus and you are rich!!

@anthony.L Год назад

You have too much money. Give to me

@munirahhayatimuhtar7735 Год назад

Add in funeral cost and inflation, for gen Z to retire in another 30 years' time they would need rm3mil

@jeremytan1605 10 месяцев назад

4% on FD is on the high side

@meganuke9091 11 месяцев назад

Bro some of the comment is promoting scam ,harap bro ambik tindakan terhadap scam sebegitu.

@frankchong5585 11 месяцев назад

Lol, that is the polite way to tell her, wake up...!! 10% increment? Be REALISTIC...!!! If you get 5% already super good

@DrRizuan 11 месяцев назад

Boss, she is giving you hint to give 10-20% increament 😅

@poyot8643 11 месяцев назад

how much you need to save for your retirement in malaysia yeah u need 1 trilion malaysia ringgit to survive because malaysia can raise the price as they like , next year 1 ekor ayam can reach rm50 , then feb the price increase again and again until all rakyat die

@Cysecsg 8 месяцев назад

5% annual pay increment with 5% inflation. Hmm..

@sapaiyo9810 11 месяцев назад

Got cheated as even if you subscribed, you can't download the calculator.

@wendyshoowaiching4161 Год назад

Aiyah! Why make it so complicated. For standard retirement, you divide it into 3 standard area 1. Asia 2. US (Dollar) 3. Europe (£). 1. Asia US$750,000 (RM$3,502,500 × 2.5% Interest = RM$87,562.50 ÷ 12 = RM$7,296.88 per month 2. US US$1.5 M x 2.5% = US$37,500 ÷ 12 = US$3,125 per month 3. Europe £1.5 M x 2.5% = £37,500 ÷ 12 = £3,125 Per Month

@swii3781 Год назад

umur 60 accident mati, lifeless for 60years

@jackong2315 Год назад

haha life is short

@fantasyunion 11 месяцев назад

Hidup ni kene ade perancangan. So bila tua kalo umur panjang tak menyusahkan orang

@justinjustin1802 11 месяцев назад

After seeing those figures, many choose to exit their dream and enjoy life. Who knows going to dai tomorrow right and YOLO. Ps: what if you don't dai tomorrow haha😅

@McDucknald Год назад

There's so many assumptions 😞

@annfaustina2061 Год назад

Omg I only save up rm100 per month 😅 not enough leh

@PassionPno Год назад

RM 100 is something you can burn in mere seconds. That’s far too low.

@anthony.L Год назад

Saving not the same as investing. What do you do with these monthly rm100? Buying stocks? ETF? Did you know you can increase your EPF contribution to lore than 11%? If you keep this money on your bank account, then you are loosing money because of the inflation. Rm1000 now is rm965 at the end of the year.

@PassionPno Год назад

@@anthony.L Trust me, people who save only RM 100 per month barely have any emergency funds. No point in investing because they might need instant access to the money during emergencies.

@anthony.L Год назад

@@PassionPno so the solution is: i crease your income: change job, try to learn new skills (evening class, free mooc online, etc… depends your sector) to be more valuable on the market… maybe change career. I hope you are young, good luck 😕

@PassionPno Год назад

@@anthony.L You're confusing me with OP. My finances are very good. I'm 29 and earn about RM 7k per month. I save and invest 75% of it. I have zero debts. I own my own house and car.

@lozhenhong6656 Год назад

10% 😂

@jamesmadison3108 Год назад

So mrmoneytv pays her 3500 ringgit??? That's just about 1k sgd.. she should just come Singapore to work and easily get $3000 to $4000 sgd.

@anthony.L Год назад

3-4k SGD is crap in singapore. Cost of life too high especially rent.

@mon4621 Год назад

How much the rental and meals costs in Singapore?

@anthony.L Год назад

@@mon4621 I was there last week. My friend rent one room (shared condo with other people) SGD1500 = RM5000 not even in city center (but not far tho). Chicken rice in city center hawker stall: SGD6= RM20 (probably can find cheaper in other areas). Pint of Heineken SGD17.5 = RM60 Ride Grab in Malaysia RM15 = same distance in Singapore = RM45.

@anthony.L Год назад

@@mon4621 and in restaurant you must add additional taxes 18% and soon 19% (GST 8 soon 9 and service charge 10%)

@jamesmadison3108 Год назад

@anthony.L oh sorry boss. I don't factor in rental cost. I am Singaporean, and most Malaysians that work in Singapore earns about maybe 2.5 to 4k. I don't need to pay rent as I just pay mortgage but it's not even $600 for one spouse. We earn median salary so household income is about 12k singapore dollars. We hire a maid to do our house work and cook. Groceries in sg is cheap. Not expensive. If I factor cost of living in sg vs Malaysia, I feel malaysia is way more expensive. If I don't do conversion, a 5k salary in Singapore vs 5k ringgit in Malaysia. Your meals can cost like 5 to 10 ringgit. Singapore economy rice is only $3 to$5. Even Macdonald meals cost like 12 ringgit whilst it's only 5 to 7 sgd So yea, life is okay here in sg.

@sharonlee3574 11 месяцев назад

Bukankah nama Semenanjung Tanah Melayu adalah zaman silam Hang Tuah?? Sejak tahun 1957 negara Malaysia berbilang bangsa ikut perlembagaan., bukan negara untuk bangsa Melayu saja. Orang bukan Melayu bukan orang asinglah. Ada Mykad mereka orang Malaysialah, milik Malaysia. Tolak propoganda Tun M dan PN yang tidak bertanggung jawab dan tak bawa apa manfaat kepada orang Melayu dan Malaysia berbilang bangsa. Ingat Tun M ditolak di Langkawi. Nasib orang Melayu terjamin dalam perlembagaan and institusi raja. Kini pemimpin bawah Kerajaan Perpaduan diperkenaan Yang Di Pertuan Agong sah , mereka banyak orang Melayu. 22 tahun 22 bulan dibawah pimpinan Tun, apa Tun M buat untuk bangsa Melayu. Beri peluang kepada pimpinan Datuk Seri Anwar Ibrahim untuk selesai masalah orang Melayu dan masalah Kelantan, Terengganu, Kefah dan seluruh Malaysia. Beri undi besar kepada PH-BN menang besar dalam PRU 6 negeri.