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The Boring Investor Starter Pack
Five rules, two ETFs, one action plan — everything you need to start, on one page.
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.
New here? Start with the 5-minute Starter Pack. Want the full reasoning? Read the writeups below. Prefer shorter, current takes? The blog ↗ has the recent updates.
The Toolkit — what I actually use
The apps and accounts where all of this actually happens — a place to park cash, one main platform, and the free tools to verify every number yourself. Read →
CORE · LIVE · 20 MINThe 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 →
ALLOCATION · LIVE · 12 MINHow little you actually need
Why your all-world fund already owns everything you're tempted to bolt on — and the two-line portfolio that's harder to improve than it looks. Read →
The fee I never felt leave
Why the expense ratio — not the sales charge — quietly decides how rich your fund makes you, and what a 1.44% gap costs over thirty years. Then the field guide: reading any fund's fee tab in thirty seconds.
Why I stopped trying to pick the winner
How twelve thematic ETFs became an accidental Nvidia position. The cleanup, what survived, and the honest pro/con receipt on every satellite that stayed. Read →
PRS · LIVE · 10 MINThe retirement account nobody talks about
RM3,000 annual tax relief, the staging trick that turns a lump sum into monthly DCA, and what a real PRS portfolio looks like after a decade. Read →
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.
Different engines only
Optional positions arranged around the core — but only if they are a genuinely different engine of return. A country ETF that's already inside the core isn't a satellite; it's duplication.
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.
The core and satellite framework is explained in full in The Allocation →