Fixed Deposit: 4,000

Shares: 8,590

Mutual Funds: 3,348

Total: 20,575

Past record:

August: 20,171

July: 16,678

This is an ongoing monthly review to keep track on my portfolio performing.

Its still long term progress, any feedback is appreciated and may be incorporated into future monthly reports. The portfolio not covered:
1) EPF.
2) non-liquidity asset such as house, car etc.

September Highlights:

• Although overall performance in positive mark, I'm not satisfy with this result.
• Expenses was high in September.
• Stock performance not good in this month, while mutual fund maintain its positive growth.

Chao!

Assume 5% annual interest

Mr. T

Total paying into account = $10k

Interest earned = $23,373

Mr. B

Total paying into account = $20k

Interest earned = $13,066

It shows how big the difference is between those who start early and those who do not. If you haven’t started planning and start Saving/ Investing. Then you should start calculate how much money you have lost for being ignorance.

With the time pass by, I'm on my way to my financial freedom goal. However, it is obvious that my time is not being fully utilised. Other than the daily routine job, my time seem just goes on like that. I am not able to give attention to other things that I should put my thought on it.

I know that time is required to accumulate wealth, especially for a person like me that not a risk taker that involve in business environment. I should spend some of my time to speed up this process, i.e. create other parallel income other than current daily job. Should I:

- doing part time job

- invest in dividend counter, collect passive income

- online business

- direct selling business

- as financial agent

what else can I do? think, think, think...

Any comments?