Hello everyone, this is my first post for dividends.my. As a investor, apart from investing short and mid term stocks, one of the most important focus of my investment journey is dividends income, which is a longer term investment. Dividends investment is basically building a passive income portfolio while you are sleeping. If you selected the right asset on dividends investment, you are not only receiving the long term dividends income, but also enjoying the appreciation of the asset that you purchase in long run.

They are a lot of choices in this world about the dividends investment. However, i try my best to focus the good dividends investment opportunity in Malaysia, as we are Malaysian!! And i believe our nation’s economy will grow gradually with the abundant natural resources and strategic geographical location.

The very first dividends investment goals are

1. To ensure your asset is NOT depreciating.
2. To ensure your asset’s appreciation outperforms inflation rate.
3. To ensure your asset’s appreciation outperforms Fixed Deposit rate.

Recommended dividend yield target per annum: 5%

Below is our existing Malaysia Interest Rate Trend. Currently we are at 2% interest rate and Bank’s FD rate is close to 2%.

source: tradingeconomics.com

Below is Malaysia Inflation Rate Trend. We are at around 0.5% in 2020, and expected around 2.5% in 2021.

Find more statistics at Statista

In short, our dividends yield target should set at above 3% at least. I’ll set 5% at least for myself.

Recommended dividend yield target per annum: 5%

As we are currently in economy downtrend, it is very good timing to do more study and purchase good asset at discounted price for your dividends portfolio. I’m going to share more of my portfolios, opinions, and strategies in Malaysia. Stay tuned with us on dividends.my/blog.

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Appendix:

Public Bank FD Rate

Maybank FD Rate