Budget is for a middle aged couple (myself + wife and a cat). We are under the MM2H VISA (old requirements).
Our portfolio is made up of VTSAX/VTIAX/VBTLX. We live off the dividends for now, since our expenses are low enough that we don't need to sell anything. We never pursued a dividend strategy and we are not using one now. It it just happened that current dividend payouts are more than enough. We do not object to selling assets to finance our lifestyle.
We are sensitive to heat and yet we hardly ever have to turn on the AC. One of the main reasons why I picked this grossly oversized condo is location: It is cool and breezy. It is sunny out but I am sitting very comfortably in front of the computer with just the windows open and a ceiling fan running. As comfortable as one can be.
We are home bodies and we don't drink/smoke/gamble, which significantly reduces our monthly expenses.
We eat mostly local produce and local sources of protein. We don't try to replicate a Western diet here, which would significantly increase grocery costs.
We do not own a car. We rely on public transportation, electric bikes and car hailing services to move around. All the basics are within walking distance (2.5 km radius) of our home, including dentist, health clinic and big box dept. store . Only if we need to go to a hospital or a mall we would need a car or public transit. This is what walking in this neighborhood feels like.
Over the past 8 months we have come under budget every month by about US$400.
Any money that was earned outside of Malaysia can be brought into the country tax free. In other words, earnings from foreign investments and pensions are not taxed in Malaysia.
We have a separate discretionary budget for things like leisure travel. That budget varies depending on the value of my assets. As of right now I set my discretionary budget to zero.
Why malaysia? - Weather (summer year around) - English speaking and laws based on the English legal system (former British colony) - Violent crime is incredibly rare. - Best bang for the buck in Southeast Asia. Excellent infrastructure (roads, power grid, hospitals, Internet, airports, etc...). In terms of development Malaysia is comparable with Portugal or Poland, but priced only slightly higher than Thailand or Indonesia. - Excellent food - Well located in Asia makes it easy to travel around - Not subjected to any major natural disasters - Easy to get retirement VISA (no longer the case as of 2022)
Why are there so many forex scams in Malaysia where investors believe in 10% returns per month is possible? That's rubbish.
These are impossible returns. A friend asked me the other day aggressively to invest in TriumphFX or TFXI funds with such return / promised characteristics. It's not possible! Of course, in thailand, there is the Youtube star Nutty. In Malaysia, we have TriumphFX or their spin offs EOB.
Max about his sister Victoria (2015) "I promised her a handbag when I scored my first points, that happened in Malaysia and that was the first thing I was thinking about when I crossed the line, okay, now I have to buy my sister a handbag"
Two periodic Hollywood-noir influenced films that released in 2015. Both were ambitious, big-budget passion projects of their respective directors and both flopped horribly, forcing the directors to go back to making small-scale films and abandon the idea of turning these into franchises. Thoughts?
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