RubyWealth

Be a smart investor.

Can you build above RM1.3 million retirement fund ?
The answer is YES.
Patience and consistency is the master key to retire comfortably.

Ensure sufficient savings before investment.

Unit trust payouts are tax-exempted.

Malaysia is heading towards a "Longevity Economy", where older adults will drive more spending than the young, reshaping families, jobs, and the cost of living.

By 2040, Older Malaysians Will Outspend Youth For The First Time. Here’s Why That Matters Now A new government report shows Malaysia is heading towards a “Longevity Economy”, where older adults will drive more spending than the young, reshaping families, jobs, and the cost of living.

Beware of "cash trust".

Standard travel insurance will offer little protection to Malaysians in conflict zones, as war-related losses and injury risks are universally excluded.
Travel insurance generally covers natural disasters such as floods, earthquakes and volcanic eruptions at a destination as well as medical emergency except pre-existing conditions.

Insurance stops where conflict starts PETALING JAYA: Standard travel insurance will offer little protection to Malaysians in conflict zones, as war-related losses and injury risks are universally excluded, says the General Insurance Association of Malaysia (PIAM)

The repair of the oil and gas facilities will take years, be prepared for the increment of living costs.

Anwar: Soaring freight and fertiliser costs will hit Malaysians hard PUTRAJAYA: Malaysians should prepare for a painful ripple effect from the Middle East conflict, with Prime Minister Datuk Seri Anwar Ibrahim warning that skyrocketing freight charges and impending fertiliser shortages will inevitably drive up the cost of living.

Happy Lunar New Year 2026.

Remember to contribute before 31/12/25 to enjoy tax saving.