imoney.my

Summary National coverage of cost-of-living aid stops at the federal schemes. For households in Sabah and Sarawak there is a second layer, administered by the state, that national explainers never mention, and that a family can qualify for without knowing it exists. Two layers, not one Aid in Malaysia is federal by default: STR, SARA, the fuel subsidy schemes, the various one-off payments. These are national, administered from Putrajaya, and they apply the same way in Kuching as in Klang.

Summary Same money, same discipline, five destinations. The spread between the safest and the most volatile is smaller than most people expect over ten years, and larger than they expect over thirty. That difference is the whole decision. The arithmetic first RM1,000 a month for ten years is RM120,000 of contributions. What it becomes depends on the rate it earns, compounded, and on how much of that return is lost to fees and to the timing of when money lands.

Summary Every launch season the same offer appears: hand in your current phone, take a fixed amount off the new one. It is a good product. It is also priced for what it delivers, and what it delivers is certainty, not value. Two different products A trade-in converts your old phone into a credit instantly. You hand it over, the value comes off today’s bill, and you walk out with the new one.

Summary ASNB fixed-price funds: why the queue exists and what opens up Two kinds of fund, one brand Amanah Saham Nasional Berhad runs two families of unit trust. Variable-price funds work like any unit trust: the unit price moves daily with the value of the underlying holdings. You can buy any time. Your capital is exposed to the market. Fixed-price funds are the ones people mean when they say “ASB”. The unit price is fixed at RM1.00 and does not move.

Summary Two identical units, two different bills. If that has ever confused you, the explanation is one number on your invoice that most owners never look at, and it also decides your vote at the AGM. Why your neighbour pays less Strata maintenance is not charged per door. Under the Strata Management Act 2013, every parcel in a development is allocated share units, and every charge, maintenance, sinking fund, and your voting weight, is proportional to them.

Summary The choice at the pump feels like a quality decision. It is actually a specification decision, and the specification is printed on your car. Since the subsidy changed, the price of getting it wrong has changed too. What octane actually is The RON number measures a fuel’s resistance to pre-ignition: the knock that happens when the fuel and air mixture ignites from compression before the spark plug fires.

Summary For the first wave of EV owners, road tax has been a line that did not exist. The exemption ended on 31 December 2025, and the structure that replaced it works differently from anything a petrol driver is used to. If you renewed at RM0 late last year, this is the renewal where the number appears. What ended, and when Battery electric vehicles registered in Malaysia enjoyed a full road tax exemption through 31 December 2025.

Summary Five items. What each changes for a household. One thing to do this weekend. 1. OPR stays at 2.75%: what “stays” actually does Bank Negara held the rate on 3 September, the fifth hold this year. A held rate is not a frozen instalment: banks can still reprice spreads, and several have. If your home loan statement shows a different effective rate from six months ago at the same OPR, that is why.

Summary If you earn from a platform, deliveries, design gigs, a creator payout, an online shop, the question is no longer whether that income is visible. Much of it is already reported. The question is whether what you declare matches it. The income is visible before you declare it Most people picture tax as a form they fill in once a year, with everything else invisible until then. That picture is out of date.

Summary A meticulously planned jewellery heist in Genting. Gold suppliers robbed in broad daylight. Malaysia's spate of high-value thefts has everyone glancing at their own drawers, and most won't like what their policy says.