Writeups
Start here
Each piece is a single decision, explained end to end — the trade-offs, the honest counterpoints, and where the author got it wrong first.
The one investment everyone should own
Why a low-cost, Ireland-domiciled, accumulating total-world ETF (VWRA / FWRA) is the most durable base layer — and how the Shariah option really differs. Read →
Why I stopped trying to pick the winner
The Nasdaq-and-semiconductors phase, the overlap I didn't have, and the trade I actually made.
Which Shariah are we talking about?
Two screens that disagree, one denominator that changes everything, and the must-know quirk inside MWIM.
Approach
How DuitnSen thinks about money
The starting point is humble: most people — including the author — lose to the market by trying to outsmart it. So the whole approach is built to remove the investor as a point of failure.
Own the whole world, cheaply
One broad, low-cost, tax-efficient index fund as the locked centre — bought on a schedule, held for decades, never babysat.
Small bets, written rules
Optional theme positions funded only from surplus, with exit criteria written before you buy — never the foundation.
Familiar Malaysian anchors apply throughout: if you already understand ASB, KWSP and Tabung Haji, you already understand most of what matters — consistency, patience, and not touching it.