27M here. Been following this investment plan for about a year now, investing 3K monthly, but my overall returns are only around 4-5% so far.

Currently, I put 1K into individual US and MY stocks, 1K into VTI, 200 into EPF, 500 into TNG+, and 300 into Versa PRS.

I know 1 year is still a short period, but I feel like my returns could be better. Would appreciate some advice on how I can improve my allocation. Thanks in advance.

Hi everyone, hoping someone can share their experience or advise me on what to do.

I dined at a restaurant and noticed that I was charged twice for the same transaction, with the second charge appearing the following day.

I’ve tried contacting the restaurant to obtain a receipt and resolve the issue, but they haven’t responded. HSBC is asking me to provide the receipt to support my dispute, and I’m worried about what happens if the restaurant continues to ignore me.

Has anyone dealt with a similar situation with HSBC Malaysia?

Will HSBC accept alternative evidence, such as screenshots of credit card statements and my attempts to contact the restaurant?

What happens if I genuinely cannot obtain the receipt because the restaurant isn’t responding?

Is there anything else I should do to ensure HSBC continues investigating my dispute?

I’d appreciate any advice, especially from anyone who has successfully disputed a duplicate restaurant charge without being able to obtain a receipt from the merchant.

Wanna know if there are better options that are unknown out there. currently maxed out 20k in Ryt at 4%. used to do KDI, GXB and even Atlas when they had higher rates. now i have excess cash and i'm looking for somewhere to park em temporarily. any suggestions?