This article is for my die hard long time followers who miss my long winded articles, hahaha.

INTRODUCTION

If you are a follower of mine, you will know that over the years I have published many articles on investments for those who are in wealth accumulation mode.

If you have read my article Investment Wealth & Retirement, I have told all of you that an accountant quit his job in a public listed company to be a businessman because he told me that once we have hit RM1M before the age of 40 years old, we are set for life as money will come in easily.

In respect to the above I did set that one of my goals is to have RM1M before the age of 40 and I did achieve it BUT I also told all of you it was a big mistake as once I hit the goal I had no motivation to work to make other people richer! So I told all of you who read the article that you must set intentions NOW, short term (up to 5 years) and long term when you are at 40, 50, 60, 70, 80, 90 and 100 years old! Your intention should not be about wanting money (which means you acknowledge you do not have the money and telling the universe to make sure you want and never have it). For example, set intention that when you are 70 years old you are “healthy, living in a comfortable home with abundance of food and playing with your grandchildren”….. and money will come automatically!

I have also published many articles on Fixed Deposit and EPF Contributions where both are compound interest and tax free. And since most of you are graduates, you should have more than RM1M in your EPF by the time you retire as a salaryman.

And the most important thing to achieve a rich person status is not how much you earn but how much you save!

One may be earning big bucks (say RM20K per month) but has no savings because he/she spent all his/her money away (say a BMW, rent RM5K per month condo, going for holidays overseas, eating at air-conditioned restaurants where a meal cost more than RM100 per pax, chasing after latest fashion, going for beauty treatments (nowadays many men are so vain that they do this often), etc. The other thing I always say is – nothing last forever. One may be earning RM40K per month today but tomorrow he/she may be unemployed! Shit does happen. Or worst, if one is a gambler or play with toy boys or play with china dolls or is a drug addict or have a high maintenance girlfriend/spouse or paying interest on personal loans/credit card outstanding balances, that person will be in deep shit sooner or later.

Talking about gf/bf…. I did produce an article for you young people to help you to decide your destiny on either you want to be happy or frustrated. Click here to read my article titled Born, Eat, Shit, Sleep, Living and Eventually Die.

Seriously, if your partner is in debt where he/she performs 0% installment plans with credit cards and not having the same amount in savings to pay off the debt instantly or ask you for luxury items (gold digger) or ask for a one carat diamond ring when today nobody wants blood diamonds but are into man made diamonds which are cheaper and freaking clear and bling bling, you should seriously reconsider your relationship before you enter into a marriage where the person will have legal rights to your assets – it is extremely difficult to change a person who is a “wolf in sheep’s clothing”.

On the other hand, a salaryman earning less than RM7K can easily save more than half his/her salary per year where he/she budgets all expenses. RM3K per month equals to RM36K per year and if he/she starts at age 30 to deposit the money in FD where the interest is compounded, he/she at age 55 will have more than RM1M in FD! Plus the money in his/her EPF, he/she will definitely have more than RM2.5M by the time he/she retires!

Below is a sample calculation from one of my previous articles. If you refer to the table, below, I assumed one is only earning RM5.4K and RM8.8K per month after 10 and 20 years of working respectively, which is freaking conservative. In other words, if you are earning more than RM10K per month before the 10th year of your working life, you should have more than RM1M in your EPF before you reach the 25th year of working life.

Bros & Sis, just go use excel to calculate the estimated EPF amount you will have in 10 or 20 years time and you will be surprised how much you will have because of compound interest which is tax free and headache free!!! IF you do not know how to calculate, contact me and I will teach you how to calculate compound interest. After which you will realise that what you have been told by Insurance Agents and/or Bank Agents about how much interest you can earn are all bullshit and you will know that nothing beats EPF or even Fixed Deposit which are tax free, principal and interest/dividend guaranteed and no need to pay a sen to anyone for managing your funds (i.e. you are making other people richer, the agent who sold you the so called investment package and the people who are managing the fund)!!!

Let me tell you something that most of my die hard long time followers know, before I reached the age of 40, while I was still in wealth accumulation mode, I only bought Guess handbags for my wife and never traveled overseas except to Thailand and Singapore for holidays. However, once I reached my goal of RM1M, then only I started buying my wife luxury handbags and Rolex. And I must thank the accountant I met in my early working years who taught me that once I hit my first RM1M, the rest will come easy.

With the above, if you are in wealth accumulation mode, you should be saving money and budgeting your expenses so that you will have more money (for whatever, example children education, going traveling, buying material stuff, etc) in the future. Once you reached your goal then you can start burning money.

FREE Money to Burn

So once you have RM1M in FD and RM1M in EPF, you will be earning close to RM100K per year. And if you already have a house/condo that is fully paid, children working and you are still working either full-time as a salaryman or part-time to past time for some pocket money for expenses, suddenly you will find yourself in either one of the situations below:

Situation 1 – you think you can live to beyond 100 years old and thus your RM2M savings and yearly dividends are not enough and you worry all the time about not having enough money. Well, you have created a miserable life for yourself as you are kedekut to spend money to experience life. However, if your brain gets stimulated from playing computer games, you may not need anything else, haha. On your death bed you will die happy knowing how much you are worth not thinking about the fact that you are not able to take the money with you to your grave and someone else will inherit your money and spend it away without saying thank you to you.

Situation 2 – you burn RM100K (from the dividends/interest you are earning from FDs and EPF) to experience life by getting shiok sendiri sensations through traveling or shopping. If you are short of cash, you can always sell one of your investments (properties, shares, gold, cryptocurrencies and etc) to have more cash or worst come to worst withdraw from FD or EPF. You do not need to worry about your children because you have sent them to a World’s Top 100 university and they are earning good money (big bucks if they are smart enough to go work overseas) and the moment you die, your children will inherit your house/condo you are staying in, maybe also your other investment properties, shares, jewellery and whatever money you have in your banks and EPF; making your children instantly freaking richer than you!!! And if you are diagnosed with a life threatening disease/illness, you better enjoy and experience more before you die!

If you are opting for Situation 1 above, you can stop reading the next subtopic and jump to Buying Physical Gold Bullion by clicking here to Page 2

If you are opting for Situation 2 above, welcome in joining me to burn money for shiok sendiri sensations.

Investing In a Rolex versus Hermes versus Cartier/VCA Yellow Gold

Investing In A Rolex OysterSteel

Many of you know that I have a Rolex GMT Master Pepsi bought in 1998 and also a Rolex GMT Master II Pepsi bought when it was launched sometime in 2018 for approximately RM10K and RM35K respectively.

Click here to see my Rolex Pepsi bought in 1998 and 2018

I only pay retail prices for my Rolex watches including my wife’s (31mm datejust), eldest son’s (Batman for less than RM30K), older daughter’s (my wife’s 26mm given to her), second son’s (GMT Master II Rolesor Half Gold) and youngest daughter’s (31mm datejust pink dial). I also bought a Rolex Air King before MCO and it is my favorite Rolex as I do not need to adjust the date but I have given it to my eldest son as I keep scratching the smooth dome bezel.

Today, October 2025, a new Rolex GMT Master II Pepsi cost RM48,600 (above picture) and a 31mm Datejust with fluted bezel cost RM38,550.

Like I mentioned, I bought my Rolex GMT Master II Pepsi for about RM35K in 2018. My wife’s 31 mm bought before 2018 cost me less than RM30K.

Click here to see the 31mm Datejust in Pink Dial I bought last year for my youngest daughter

If you look at second hand prices, the Rolex Pepsi and 31mm Datejust cost much more than the retail prices shown in the images above. So most people will tell you that a Rolex is a good investment as you can most probably make some money even after 10 years. However, I am going to tell you 2 things:

1. Watches are history. All of us don’t even need a watch as we have smartphones that tell us the time anywhere on earth and can do much much more!
2. The price of Rolex watches are ridiculous compared to the material and labour cost. Just Google and you will be shocked to learn that Rolex makes more than CHF10 Billion per year (which is more than Maybank and Petronas) and how much they contribute to charities.

Basically the price of Rolex is high simply because of Rolex’s marketing, and controlling what they produce AND of course human greed where they are willing to pay almost double in the second hand market because of FOMO shiok sendiri sensations.

Investing In A Hermes or Chanel Handbag

Previously, I have shared that I purchased a Hermes Herbag 31 and Hermes Constance To Go Wallet for my wife. She also has many Chanel handbags including the Iconic Chanel Classic Double Flap Medium Size in Black Caviar with Gold Hardware.

Click here to my article on my wife’s Hermes Constance To Go Wallet.

I will just tell you the price of the Hermes Constance To Go Wallet in Malaysia today, which is the same as the Kelly To Go Wallet at RM34,200.

Many people will tell you that Hermes Birkin and Kelly handbags are a good investment as they are sold for much more in the second hand market compared to retail price. And to get a new Birkin or Kelly handbag from the Hermes Boutique, one needs to play the Hermes game where one needs to burn money on Hermes stuff which are generally not hot selling products. So some people would rather buy second hand than play the Hermes Game. However, for me, I never buy second hand stuff because I do not want to be associated with someone else’s energy or bad luck. To me, if a person needs to sell something, it means that person is short of cash and why the heck do I want to be associated with his/her bad luck.

And leather bags are kind of lousy, below are instructions from Hermes…. read the part on Bad Weather…… basically the Hermes leather bag is not for Malaysia’s weather which is HUMID all the time, with bright sunlight and raining cats and dogs!

Then read the part titled Keep it away from bad influences…. and you will know why BLACK colour leather is the best, hahahahaha.

Now, i am going to tell you a fact, a Rolex metal watch is way more durable than a Hermes bag made out of canvas or leather which can easily be damaged. So common sense will tell you that only a fool will pay an exorbitant price for something that will spoil, hahaha.

Basically leather handbags are for temporary shiok sendiri sensations as it can’t last forever since it is organic and will eventually disintegrate.

Yellow Gold – Cartier and Van Cleef & Arpels Are Good Investment

First of all, you must know that Cartier, Van Cleef & Arpels, Tiffany & Co and most Yellow Gold in Western countries are 18K which means it has at least 75% pure gold.

• 24K gold: 100% pure gold
• 22K gold: 91.6% pure gold + 8.4% other metals 
• 18K gold: 75% pure gold + 25% other metals 

Therefore since 18K yellow gold jewelry is made from gold and other metal, it basically means it will last forever! Even if there is a nuclear bomb, we will definitely disintegrate but the gold we have will melt and solidify again!

I do like yellow gold bracelets and I fell in love immediately with the flexible Cartier Love Unlimited bracelet and bought it. Click here to read my article titled Cartier New Love Unlimited Flexible Bracelet Review and How To Open and Close The Love Unlimited Bracelet

And because there is at least 75% pure gold, the 18K Cartier and VCA yellow gold is worth something when we to go to pawn it or even take it to the goldsmith to trade in for cash!

Below is an image that was sent to me about 2 weeks ago when the price of spot gold was near an All Time High (ATH). The price of 18K gold, i.e. 750, was RM443 per gram.

So assuming we were to trade in the Cartier Love Unlimited, which weighs about 30g, at one of the goldsmiths in the malls in Malaysia when they are selling 18K gold for RM443 per gram and impose 25% trade in fee, we would get = RM443/g x 30g x 75% = RM9,967,50

The above stated RM9,967.50 will be paid on the spot by the goldsmith when they are selling 18K at RM443 per gram. Of course if you were to go to another goldsmith or pawnshop you will be quoted differently but it will still be based on spot gold price.

Now, if you were to check online the second hand prices of Cartier yellow gold jewellery, especially the Cartier Love Bangle (which is cheaper than the Love Unlimited), you will note that it is selling for more than RM15K.

Investing In A Rolex versus Cartier/VCA versus Hermes, which is better?

Well, based on the above paragraphs/sub topics, it can be concluded easily that a Rolex GMT Master II Pepsi or 31mm Datejust Fluted Bezel are good investments because it is made from metal and thus more durable than Hermes leather bags which would eventually disintegrate. One may make more money from a Hermes Birkin but like I said because the Birkin is made from leather, it will not last forever and Hermes already warned that their leather products may be damaged by humid weather, i.e. Malaysia!

In respect to the above, please note that not all Rolex watches or Hermes bags are sold more than retail price in the second hand market. Only selected Rolex models and selected Hermes handbags are more expensive in the second hand market. And also please note that Rolex and Hermes products are not liquid like gold, i.e. you may not get cash instantly when you want to trade in your Rolex or Hermes.

There is a demand for second hand VCA or Cartier or Tiffany & Co 18K yellow gold jewellery but generally the same products are being sold for less in the second hand market. However, because the 18K jewellery consist of 75% gold, you can trade in the jewellery for cash anywhere on earth!

So if you ask me, a Cartier Love Unlimited Bracelet (RM39.2K) is a better investment compared to a Rolex 31mm Datejust with fluted bezel (RM38,550K)? Common sense will tell me that the Cartier Love Unlimited which is made from 75% gold should be better than a stainless steel Rolex watch right? However, I am based in KL where there is demand for Rolex watches and the fact that I have access to the internet, I am able to check on second hand prices and the Rolex watch seems to be a better investment.

Now imagine you are on a deserted island where tons of rubbish wash up to shore including plastic bottles and plastic bags. Would you rather have a Rolex watch that can tell you time but is made from worthless stainless steel or would you rather have a freaking heavy birkin which you can use to put the fruits you collected into it and bring the fruits to your camp (you can easily do more where you can put different fruits into different plastic bags that are super light that wash up to shore) or would you prefer to discover a treasure chest containing an 18K Cartier/VCA gold bracelet? hahahaha.

In conclusion, regardless if you have a Rolex and/or Hermes bag and/or VCA/Cartier 18K yellow gold bracelet, it is all shiok sendiri in your mind!

Here is another fact, do Central Banks buy Rolex or Cartier or VCA or Hermes products? The answer is NO. What they are buying are PHYSICAL GOLD and some countries are buying or mining Cryptocurrencies!!!

So for real investment purposes, do you think it is wiser to purchase physical gold? If your answer is yes, please Click here to Page 2 – Physical Gold Bullion