Nabil Luqman

0f9d2dd4f71434084e2b6094de1865e23abb37bb9f28ca51feeabee679ec9be2

Money

Malaysia

economy

finance

SIngapore

invesment

superior

wages

Singaporean personal finance expert and YouTuber Loo Cheng Chuan, widely known for his financial education initiative &lsquo;1M65&rsquo;, recently shared his thoughts on Malaysia&rsquo;s Employees Provident Fund (EPF) and how it compares to Singapore&rsquo;s Central Provident Fund (CPF). In a podcast episode of Do More &ndash; Take Charge of Your Life, Loo emphasised that EPF is a &ldquo;gold mine&rdquo; that many Malaysians fail to appreciate, highlighting its ability to generate significantly higher returns than Singapore&rsquo;s CPF.
While CPF is known for its stability, Loo argues that EPF provides a more lucrative wealth-building opportunity. He urged Malaysians to recognise the potential of EPF as a powerful financial tool that can set them up for a comfortable retirement.
EPF Outperforms CPF with Superior Returns
<img src="https://r2.myc.my/28dadc41cb00c327bc50c904986420b99fbfd2cb44a1f43ae572ad132422414a" />
One of Loo&rsquo;s key arguments in favour of EPF is its consistently high dividend rates. Over the past decade, EPF has delivered annual returns ranging from 5% to 6.7%, significantly outpacing CPF&rsquo;s returns. In comparison, Singapore&rsquo;s CPF Ordinary Account offers only 2.5% annually, while its Special and Medisave Accounts provide 4%&mdash;rates that Loo asserts barely keep up with inflation.
&ldquo;This is an insanely high return rate,&rdquo; Loo said, noting that many Singaporeans envy such returns. He explained that EPF&rsquo;s compounding effect allows retirement savings to multiply significantly over time, making it an unparalleled financial vehicle for Malaysians.
&ldquo;If you put one dollar into your EPF and let it compound for 20 to 30 years, you could easily see a return of four to five times the original amount,&rdquo; he elaborated.
Compounding Effect Makes Up for Lower Wages
A common argument against EPF is that Malaysians generally earn lower wages than Singaporeans. However, Loo argued that EPF&rsquo;s robust compounding rate makes up for the income disparity.
&ldquo;Let&rsquo;s assume EPF delivers an average return of 6.5%,&rdquo; he said. &ldquo;If you allow it to compound over 35 years, the return is nine times. If you invest SGD$100,000, it could grow into SGD$900,000 by the time you turn 65.&rdquo;
This level of compounding, he stressed, provides Malaysians with an incredible advantage in growing their retirement savings, despite the differences in income levels between the two nations.
EPF&rsquo;s Resilience Amid Economic Challenges
<img src="https://r2.myc.my/a5fe6dc929f40cefe0ac6c9ddc8d3cd590210087052ab3fd24558a7f10722354" />
Loo also addressed common concerns regarding the depreciation of the Malaysian ringgit and the country&rsquo;s political uncertainties. He reassured that EPF has demonstrated exceptional resilience through various financial and political crises over the years.
&ldquo;EPF has survived numerous challenges&mdash;the Asian Financial Crisis, the 1MDB scandal, and multiple changes in prime ministers&mdash;and yet, it continues to thrive,&rdquo; he pointed out.
He urged Malaysians to have faith in EPF&rsquo;s ability to endure and grow despite economic fluctuations, noting that its long-term track record speaks volumes about its reliability as a retirement savings fund.
Rethinking the Obsession with Property Investment
&nbsp;<img src="https://r2.myc.my/7ab3e2c688cdd6b85de3b1d68cd07786bb384e463f9eb387069febf1349759f4" />
Many Malaysians view property investment as the safest and most lucrative form of wealth accumulation. However, Loo cautioned against putting too much emphasis on real estate without considering the advantages of EPF&rsquo;s returns.
&ldquo;Malaysians are obsessed with property, but have you ever compared SGD$100,000 invested in EPF versus the same amount put into real estate over time?&rdquo; he asked. &ldquo;People underestimate the power of compounding.&rdquo;
He explained that while real estate can generate significant returns, it is also subject to market fluctuations, maintenance costs, and liquidity issues. EPF, on the other hand, provides consistent and secure growth with minimal effort.
Maximise EPF Savings for a Secure Future
<iframe src="https://www.youtube.com/embed/KlehKfN5Y6Y" width="560" height="314" allowfullscreen="allowfullscreen"></iframe>
Loo strongly encouraged Malaysians to take full advantage of EPF&rsquo;s high returns by maximising their contributions as early as possible. He also advised diversifying investments wherever feasible but stressed that EPF should remain a core component of any retirement plan.
&ldquo;This is the time to take advantage&mdash;put in as much as possible while you&rsquo;re young and let it compound without touching it,&rdquo; he advised.
He concluded by expressing admiration for Malaysia&rsquo;s EPF system, saying, &ldquo;People like us in Singapore envy such a system. EPF is one of the most incredible wealth-building machines in the world.&rdquo;
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
FOMO much? Follow our&nbsp;<a style="color: #ff0000;" href="https://www.facebook.com/mycclub/">Facebook</a>&nbsp;and&nbsp;<a style="color: #ff0000;" href="https://www.instagram.com/myc_news/?hl=en">Instagram</a>&nbsp;for more updates.

It seems that Malaysians are sitting on an overlooked financial treasure.

9508b6a9200770743319e36bff18ecd5d971d0069d73b19475c27982df6c9a48

Singaporean Financial Expert Hails EPF As A "Gold Mine" Compared To CPF

d9d56c8e5c29847e2917983575418651c94c72608ef9e914a6542c4a698d7349

Scentify

e891e864574960ae21e3a00f338f06377dd53af0baffdac1786ad4ed7dad7721

Oatside

c6e5412e94f35f5e45d8d645b31f06c7e7692356c43e40dffb5b8af1b8e8c3a9

Rohto

4a748b89ff3ed827c2f616757f44645a494284ce781ca71dce7bf93343f62cd4

Former Prime Minister Datuk Seri Najib Razak has once again escaped conviction in one of his many legal battles, after the High Court granted him a discharge not amounting to an acquittal (DNAA) over RM27 million allegedly misappropriated from SRC International. However, the 70-year-old remains behind bars, serving a six-year sentence for a separate SRC-related conviction involving RM42 million.
SRC International: The RM27 Million DNAA Explained
<iframe style="border: none; overflow: hidden;" src="https://www.facebook.com/plugins/post.php?href=https%3A%2F%2Fwww.facebook.com%2Fnajibrazak%2Fposts%2Fpfbid02TiwoRcLMXtckDyrxkJkEpe5Ew9JEmp3sbjNWUzdvx6BnB5bZtxnEdrQanRbX9pbFl&amp;show_text=true&amp;width=500" width="500" height="624" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen"></iframe>&nbsp;
On 20 June 2025, High Court Judge K Muniandy delivered the long-awaited decision on Najib's final SRC-related criminal case, which had stalled since charges were first brought in February 2019. The former premier had been accused of receiving RM27 million in illegal proceeds through his AmPrivate Banking accounts on 8 July 2014.
The judge ruled in favour of a DNAA, agreeing with the defence that it would be unjust for Najib to continue facing charges indefinitely without trial. Noting the prosecution&rsquo;s repeated delays and inability to proceed&mdash;despite six years having passed&mdash;Justice Muniandy said there was no sign the case could move forward within a reasonable time frame.
&ldquo;The prolonged wait has become a long haul for the accused, denying him timely resolution,&rdquo; the judge said. He emphasised that criminal charges should not hang over an accused like &ldquo;the sword of Damocles.&rdquo;
A DNAA means Najib is released from the charges, but not acquitted&mdash;should fresh evidence emerge, the prosecution may reopen the case.
Prosecution&rsquo;s Delays and Missing Documents
&nbsp;<img src="https://r2.myc.my/7ab937d699a838aeb527ed37289ca16e8dde99b05c558748df9bbacbb8648a4e" />
Najib&rsquo;s lead counsel, Tan Sri Muhammad Shafee Abdullah, revealed the prosecution had failed to compile over 500 essential documents needed to move forward with trial. When queried by the court in May, the deputy public prosecutor admitted they could not commit to a timeline, leading to further uncertainty.
The judge also noted that no witnesses had been called in the six years since the case was filed, with only repeated postponements. Even the prosecution conceded it would not be prejudiced by a DNAA, highlighting the case&rsquo;s deadlocked state.
Shafee later told reporters that Najib was &ldquo;very happy&rdquo; with the outcome, adding that the number of cases hanging over his client was now diminishing, allowing the former premier to focus solely on the high-profile 1MDB trial.
Najib&rsquo;s Ongoing Legal Woes
&nbsp;<img src="https://r2.myc.my/5379d4145a2d71b8d6443e17be09a74b78ccb33b3adf88755fcad48df6780080" />
While the RM27 million SRC case is now on pause, Najib is far from a free man.
He remains imprisoned in Kajang Prison after being convicted in 2020 for seven charges involving RM42 million from SRC International, including criminal breach of trust, abuse of power, and money laundering. The conviction was upheld by the Court of Appeal in 2021 and the Federal Court in 2022. Initially sentenced to 12 years in prison and fined RM210 million, Najib&rsquo;s sentence was halved in 2024 following a partial royal pardon.
The 1MDB-linked case that landed him in prison was the first to result in an actual conviction&mdash;but it is far from his only legal entanglement.
The Larger 1MDB Scandal and Other DNAA Cases
&nbsp;<img src="https://r2.myc.my/aa4c0c5afbd5c019f4dff8129179d387be9f2f3cda1e4a3522dec3a63c218fd7" />
Najib is currently fighting a separate, more complex case: the 1MDB-Tanore trial. He faces four charges of abuse of power and 21 charges of money laundering involving RM2.27 billion in 1MDB funds. That trial, which began more than seven years ago, is finally nearing its end. Written submissions are due by 30 September 2025, with oral arguments scheduled for October.
He has previously been granted DNAA status in other high-profile cases:
<ul>
<li>RM6.6 Billion IPIC Case: In 2018, Najib and former Treasury secretary-general Tan Sri Irwan Serigar were charged with criminal breach of trust over RM6.6 billion related to a settlement between 1MDB and Abu Dhabi&rsquo;s International Petroleum Investment Company (IPIC). The case stalled due to missing documents and was DNAA&rsquo;d in 2023.</li>
<li>1MDB Audit Report Tampering: Najib and former 1MDB CEO Arul Kanda were acquitted in 2023 of tampering with the 1MDB final audit report after the court found insufficient evidence.</li>
</ul>
House Arrest Bid and Ongoing Controversies
<img src="https://r2.myc.my/99644eb54db6f13278d94eb00d0a370e80ca96ab018fac57d884460d06c75c0a" />
Najib is also pursuing a civil application seeking to serve the remainder of his prison term under house arrest, based on an alleged &ldquo;royal addendum&rdquo; issued in January 2024 by former King Al-Sultan Abdullah. His legal team claims this royal order was overlooked by authorities.
His lawyer Shafee recently lodged a police report against former Attorney General Ahmad Terrirudin Salleh, accusing him of misleading the courts by claiming that the addendum did not exist. Shafee maintains that the former AG had full knowledge of the document, which allegedly permits Najib to complete his sentence under house arrest.
However, access to confirm the existence of the royal decree has reportedly been stalled by the Ministry of Home Affairs. Shafee said the Prisons Department had no objection to Najib lodging a police report himself, but Minister Datuk Seri Saifuddin Nasution Ismail had not granted permission despite multiple written requests.
What Happens Next?
For now, Najib&rsquo;s legal focus shifts solely to the 1MDB-Tanore case. If he is found guilty, it could add more jail time on top of his current sentence&mdash;even with the reduced term from the royal pardon.
The DNAA granted in the RM27 million SRC case spares Najib from immediate further prosecution, but it remains a temporary reprieve. The prosecution is free to reinstate the charges when ready, and the shadow of his extensive legal history still looms large over the former prime minister.
With mounting controversies and his legacy deeply entwined with one of the world's most infamous financial scandals, Najib Razak&rsquo;s courtroom saga is far from over.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
FOMO much? Follow our&nbsp;<a style="color: #ff0000;" href="https://www.facebook.com/mycclub/">Facebook</a>&nbsp;and&nbsp;<a style="color: #ff0000;" href="https://www.instagram.com/myc_news/?hl=en">Instagram</a>&nbsp;for more updates.

One case dropped. But the legal battles are far from over.

7c514ff574ab19e688311eab2750c5d22f9efe9b65b62ac02d3ac8f6f2f50b53

Najib Razak Walks Free From RM27 Million SRC Charges – But Remains A Jailed Man

Penang&rsquo;s long-anticipated Light Rail Transit (LRT) project is finally set to break ground, with physical construction works expected to begin as early as August 2025. Transport Minister Anthony Loke recently confirmed the update, noting that preparatory works, including piling, will commence within the next month or two.
Malaysia&rsquo;s First LRT Outside Klang Valley
&nbsp;<img src="https://r2.myc.my/f4ac82b11784c1f6a1ad20b3a5cb4aef54b651ba87f886d088a4286722085e5d" />
The Mutiara Line marks a significant milestone for Penang and for Malaysia&rsquo;s public transport development. It will be the country&rsquo;s first LRT system located outside the Klang Valley and aims to transform mobility across the northern state. The project was originally proposed in 2015 under the Penang Transport Master Plan (PTMP), with the goal of easing traffic congestion and offering a more efficient alternative to road travel.
Initially led by the state government, the project was taken over by the federal government in early 2024. MRT Corporation has since been appointed as the official developer and asset owner, bringing with it the experience and infrastructure expertise from the Klang Valley MRT lines.
A 29.5km Line Connecting Key Districts
&nbsp;<img src="https://r2.myc.my/fa35de7e4e5e3b23856ca239ec976043d0f81350ee9b7e57b53ddb05b91f2194" />
The Mutiara Line will span 29.5km and include 21 stations. It will link George Town&rsquo;s city centre with Jelutong, Gelugor, and Bayan Lepas on Penang Island, before extending across the channel to Seberang Perai on the mainland. A full end-to-end trip is expected to take approximately 49 minutes.
Transport authorities estimate that the line will serve around 45,600 passengers per day during its first year of operation. It is also expected to play a key role in reducing the state&rsquo;s vehicle dependency, especially among daily commuters.
All Approvals Settled, Work Packages Awarded
&nbsp;<img src="https://r2.myc.my/0bafa55ac7772a9e1bdd2c147248b0cddc54331fc01cbfea998a6c6a4ed3190b" />
Transport Minister Loke confirmed that all administrative issues between the federal and state governments have now been resolved. &ldquo;Penang doesn&rsquo;t need to wait anymore. Everything is done,&rdquo; he said, adding that the Notice to Proceed has been issued and all relevant documents, including letters of release, are in place.
He also mentioned that major work packages have already been awarded to subcontractors by the main contractor. Among them is Econpile (M) Sdn Bhd, which recently secured a RM42.82 million contract for bored piling and related groundwork from Irama Duta Sdn Bhd.
Acknowledging Penang&rsquo;s existing traffic challenges, Loke assured that proper traffic management plans will be implemented to minimise disruptions during construction. &ldquo;We&rsquo;ve requested that, once piling and construction begin, there must be a proper traffic diversion plan in place,&rdquo; he said. &ldquo;As with any construction project, there will be some impact, but our aim is to keep it manageable.&rdquo;
Residents can expect regular updates and engagement efforts from local authorities and MRT Corp as works progress, especially in high-traffic areas near George Town and Bayan Lepas.
Target Completion by 2030
The full completion of the Mutiara Line is slated for 2030. While this may seem a long wait, transport experts note that the complexity of urban rail infrastructure &mdash; particularly in heritage-rich and densely built-up areas like George Town &mdash; requires careful planning and phased execution.
The government has not ruled out the possibility of certain segments becoming operational ahead of full completion if conditions allow.
A New Era for Penang&rsquo;s Urban Mobility
Once operational, the LRT will not only ease traffic congestion but also offer a more sustainable, reliable alternative to private vehicle usage. It is expected to spur economic activity along the corridor, increase property values near stations, and create job opportunities throughout its construction and operation phases.
For Penang, the Mutiara Line represents more than just a transport upgrade &mdash; it&rsquo;s a vision for a more connected, accessible, and modern future.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
FOMO much? Follow our&nbsp;<a style="color: #ff0000;" href="https://www.facebook.com/mycclub/">Facebook</a>&nbsp;and&nbsp;<a style="color: #ff0000;" href="https://www.instagram.com/myc_news/?hl=en">Instagram</a>&nbsp;for more updates.

Here’s hoping Penang’s new train system will finally ease traffic congestion across the island.

aa4a3917c798363693f1e062da3f7cede73676cbcf6cea4e7aef7ab57b2cf842

Penang’s First-Ever LRT: Mutiara Line Construction To Begin By August 2025

Gamers in Malaysia have reason to celebrate &ndash; the Nintendo Switch 2 is officially launching on 3 July 2025, with pre-orders already open through major retailers. This comes just days after Nintendo Southeast Asia made the announcement via its official Facebook page and updated the Malaysian website with full product listings.
As excitement builds, early adopters may want to act quickly &ndash; especially with stocks for certain models already dwindling. But while the upgraded hybrid console brings new features and highly anticipated titles, its premium pricing is already raising eyebrows &ndash; especially when compared to rivals like the PlayStation 5.
Launch Date, Models &amp; Availability
&nbsp;<img src="https://r2.myc.my/c31b0847161eb6ff37d189f4dd2cb976a6066703c415339a82844965c79eaf71" />
Nintendo has confirmed two models for the Malaysian market:
<ul>
<li>Nintendo Switch 2 Standalone Set &ndash; RM2,488</li>
<li>Nintendo Switch 2 Mario Kart World Bundle &ndash; RM2,688</li>
</ul>
Both options come with a one-year official Malaysian warranty, managed by Convergent Distribution, Nintendo&rsquo;s official distributor in Malaysia. The Mario Kart World bundle includes the full game in physical card format, not a download code.
Launch units will be available in stores nationwide starting 3 July, with pre-orders currently live on platforms like Shopee and Lazada via the Nintendo Official Store Malaysia.
Shipping &amp; Pre-Order Demand
&nbsp;<img src="https://r2.myc.my/81ae45aa537c161a877d90d06be3114fa1287796f415fa1ca79ffc187b8a3760" />
Despite the 3 July launch date, shipping timelines on e-commerce platforms indicate that delivery may occur later than expected. Shopee estimates delivery between 20 July to 7 August, while Lazada lists guaranteed arrival between 23 to 25 July.
Demand has already skewed heavily toward the Mario Kart World bundle, with stock levels for the standalone version running low, according to a quick check of Shopee listings.
&nbsp;
Where to Buy
Nintendo&rsquo;s official distributor has released a comprehensive list of authorised retailers. Some of the most popular outlets include:
<ul>
<li>Asashi Technology (Wangsa Walk, Melawati Mall)</li>
<li>Best Denki (1 Utama, KLCC, MyTown, IOI City Mall)</li>
<li>Thunder Match (TMT) (Mid Valley, Pavilion Bukit Jalil, Sunway Pyramid)</li>
<li>Harvey Norman, Fotocharlie, Popular Bookstore, ToyPanic, [i] Store, and many more across Peninsular Malaysia, Sabah and Sarawak.</li>
</ul>
Many of these stores have started taking pre-orders both in-person and online.
Confirmed Launch Titles &amp; Pricing
&nbsp;<img src="https://r2.myc.my/2d7dafaa2e34c872d70b457532104c2ae38790bc600adcae823ae9b8028c846a" />
Gamers can look forward to a robust launch lineup, with several exclusive and reworked titles available from day one:
<ul>
<li>Mario Kart World &ndash; RM398</li>
<li>Tamagotchi Plaza (Switch 2 Edition) &ndash; RM230</li>
<li>The Legend of Zelda: Tears of the Kingdom (Switch 2 Edition) &ndash; RM298</li>
<li>The Legend of Zelda: Breath of the Wild (Switch 2 Edition) &ndash; RM265</li>
<li>Bravely Default: Flying Fairy HD Remaster &ndash; RM165</li>
</ul>
These games are being offered in physical form with Malaysian-certified cartridges, eliminating the need for lengthy downloads.
Accessories and Add-ons
&nbsp;<img src="https://r2.myc.my/a5d0df9150e2b1c59017238a29bd706cbaf04c28463e75e8b7f2cbd445115afb" />
A wide range of first-party accessories will also be available for purchase on launch day. Prices are as follows:
<ul>
<li>Nintendo Switch 2 Pro Controller &ndash; RM388</li>
<li>Joy-Con 2 (Left &amp; Right) &ndash; RM498</li>
<li>Single Joy-Con 2 (Left or Right) &ndash; RM258</li>
<li>Joy-Con Charging Grip &ndash; RM183</li>
<li>Joy-Con Wheel (Set of 2) &ndash; RM108</li>
<li>AC Adapter &ndash; RM168</li>
<li>Carrying Case + Screen Protector &ndash; RM128</li>
<li>Nintendo Switch Camera &ndash; RM258</li>
<li>SanDisk microSD Express 256GB &ndash; RM298</li>
</ul>
Only the Pro Controller, Joy-Con 2, and Switch Camera are confirmed to carry a one-year official warranty. The status of warranty coverage for other accessories remains unclear.
Why It&rsquo;s More Expensive Than You Think
&nbsp;<img src="https://r2.myc.my/d951fa1f7b8bd79ab61f11c9f684e0e64a418c079617020c63724ea48abb3446" />
While the excitement surrounding the Switch 2 is understandable, some gamers may hesitate when comparing its pricing to other consoles in the market.
At RM2,488, the base Switch 2 costs more than the PS5 Slim Digital Edition, currently priced at RM2,069. Even the PS5 Slim Disc Edition, with enhanced graphics and a Blu-ray drive, is just RM2,499 &ndash; a mere RM11 more than Nintendo&rsquo;s new console.
In essence, for roughly the same price (or even less), consumers can opt for a PlayStation 5, a more powerful console in terms of hardware performance, with a larger third-party game library, native 4K gaming support, and access to high-end exclusives like Spider-Man 2, Final Fantasy XVI, and God of War: Ragnar&ouml;k.
While the Nintendo Switch 2 offers unique portability and family-friendly titles, its premium price and mid-range specs might give serious gamers pause &mdash; especially those seeking maximum performance per ringgit.
Final Thoughts
The Nintendo Switch 2 marks an exciting chapter for Nintendo fans in Malaysia, offering a long-overdue upgrade and strong launch support. Its hybrid nature, exclusive titles, and family-friendly experience continue to set it apart in a competitive gaming landscape.
However, prospective buyers will need to weigh the value proposition carefully. With the PS5 available at a lower price, the Switch 2&rsquo;s success may ultimately hinge on Nintendo&rsquo;s unique software ecosystem and the appeal of its innovative gameplay format &mdash; not necessarily its technical prowess.
Whether you&rsquo;re in it for Zelda, Mario Kart, or the portable experience, one thing is certain: gaming in Malaysia just got a lot more interesting &mdash; and expensive.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
FOMO much? Follow our&nbsp;<a style="color: #ff0000;" href="https://www.facebook.com/mycclub/">Facebook</a>&nbsp;and&nbsp;<a style="color: #ff0000;" href="https://www.instagram.com/myc_news/?hl=en">Instagram</a>&nbsp;for more updates.

Cheaper to get a PS5 — is the Switch 2 still worth the hype?

9120e2d35a7d1fa8768c87990454b942b99cc8f193bad90306bb7cd4bd5463d0

Nintendo Switch 2 Set to Launch in Malaysia on 3 July 2025; Priced From RM2,488

Following a three-year hiatus to fulfil South Korea&rsquo;s compulsory military service, BTS is finally poised to reunite as a full group in March 2026. The long-awaited return of the global K-pop sensation is already sending waves of anticipation across the world.
The End of an Era, and the Beginning of Another
&nbsp;<img src="https://r2.myc.my/c36b28e5d5f8da90421707bf87957697b97b9b7d60d21ed78c9519f229e7676e" />
It&rsquo;s been a long and emotional journey for BTS and their dedicated fanbase, known as ARMY. Since the group officially began their military service hiatus following their Yet To Come concert in October 2022, fans have been counting the days to their return. That day is now on the horizon.
The group&rsquo;s final member, SUGA, is set to complete his mandatory service as a social worker on 21 June 2025. His discharge will mark the official conclusion of all seven members' enlistment, following the recent returns of Jungkook, Jimin, RM, and V, and the earlier discharges of Jin and J-Hope in 2024.
In a statement posted on WeVerse, Big Hit Music, BTS&rsquo;s agency under HYBE, confirmed SUGA&rsquo;s impending release but urged fans not to gather in person due to safety concerns. &ldquo;Please convey your warm regards in your hearts,&rdquo; the company stated. &ldquo;We are always grateful for your unwavering love and support.
March 2026: A Date to Remember
&nbsp;<img src="https://r2.myc.my/712615627093b988909e005a4a3360cb399d477e6742edc332e5b7d94311b565" />
Multiple credible sources, including The Korea Herald and Rolling Stone, have reported that BTS is preparing for a full-scale comeback in March 2026. While the specific release date has yet to be confirmed, industry insiders suggest that the return will fall in mid-March. This comeback will be BTS&rsquo;s first full-group release since their anthology album Proof in 2022.
<img src="https://r2.myc.my/d38eba8a4baae23aab0a83f071589656aa2c1182da973db44d435f64455d78c5" />
An official from HYBE reportedly confirmed the timing, adding that the group is working with top-tier producers and requires time to rebuild momentum after nearly four years apart. &ldquo;The members need time for preparation and creative work post-discharge,&rdquo; said HYBE CEO Lee Jae-sang during a shareholder meeting earlier this year.
Pdogg, the long-time producer behind many of BTS&rsquo;s hits, also commented on the process, noting the importance of connecting with each member to shape authentic, personal music. &ldquo;I spend a lot of time talking to each member&hellip; to understand how they view the world,&rdquo; he said.
The Comeback Ripple Effect
<img src="https://r2.myc.my/55be45f37210111f253b91c7d4af7531b8aa9b83675636e0fe1f159869ef7028" /> Left: TOMORROW X TOGETHER (TXT); Right: ENHYPEN
BTS&rsquo;s return isn&rsquo;t just monumental for fans&mdash;it&rsquo;s reshaping HYBE&rsquo;s entire release calendar. Their younger labelmates, including TOMORROW X TOGETHER (TXT) and ENHYPEN, are adjusting their own schedules to avoid overlapping with the global superstars.
TXT, who share the same parent label, are also planning a comeback in March 2026. According to overseas insiders, both groups are expected to release music in the same month, though who returns first remains unclear. ENHYPEN, managed by HYBE&rsquo;s subsidiary BELIFT LAB, has reportedly moved their comeback forward to January to make room for BTS&rsquo;s triumphant return.
This strategic coordination highlights just how influential BTS remains&mdash;not just within their company, but across the entire K-pop industry. Their presence dominates the global spotlight, making room for others to shine only when they step aside.
Reunions and Solo Endeavours
&nbsp;<img src="https://r2.myc.my/d01bc984bea2730bddf475b63bc59753850c2ccef4c491b8a138c867aaeca90e" />
In the lead-up to their official return, BTS members have slowly been reuniting both publicly and behind the scenes. One major moment came during J-Hope&rsquo;s Hope on the Stage concert in June, when all seven members were present&mdash;either in the audience or on stage&mdash;to celebrate their 12th anniversary as a group.
The concert marked an emotional, unofficial reunion. Fans were especially moved when Jin and Jungkook joined J-Hope on stage, while RM, Jimin, V, and SUGA sat together in the stands. The moment symbolised not just nostalgia, but the deep bond that continues to connect the members even after years of individual paths.
Meanwhile, Jin is preparing to embark on a solo fan concert tour titled Runseokjin_EP.Tour, kicking off on 28&ndash;29 June in Goyang. The tour spans 18 shows in nine cities, including major stops in Chiba, Osaka, Anaheim, Dallas, Tampa, Newark, London, and Amsterdam. Running until August 2025, the tour demonstrates that solo pursuits will remain part of BTS&rsquo;s wider creative ecosystem.
A New Era of BTS: What To Expect
With all members discharged and a comeback officially on the books, expectations are sky-high. The March 2026 release will likely set a new tone for BTS&mdash;older, wiser, and shaped by personal growth through military service and solo ventures.
J-Hope spoke candidly about this evolution in a Rolling Stone interview: &ldquo;The thoughts I had during those times have become an inseparable part of me, nurturing and shaping who I am today. They have influenced the stories I tell, the music I aspire to create.&rdquo;
There is also speculation that a pre-release single or a special project may precede the official comeback. While HYBE has not confirmed this, such a move would align with the group&rsquo;s tendency to build anticipation with strategic lead-ins.
Countdown Begins
For ARMYs across the globe, the next few months will be filled with anticipation, speculation, and celebration. BTS&rsquo;s return represents more than just a new album&mdash;it&rsquo;s a reunion of brothers, a reconnection with fans, and a renewed era of musical storytelling.
From stadium stages to solo spotlights, BTS has grown, changed, and persevered. Now, united once again, they&rsquo;re ready to remind the world why they remain one of the most influential music acts of the 21st century.
After years of individual growth, the band is back together&mdash;stronger, bolder, and ready to reclaim their global stage. March 2026 can't come soon enough.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
FOMO much? Follow our&nbsp;<a style="color: #ff0000;" href="https://www.facebook.com/mycclub/">Facebook</a>&nbsp;and&nbsp;<a style="color: #ff0000;" href="https://www.instagram.com/myc_news/?hl=en">Instagram</a>&nbsp;for more updates.

Malaysian ARMY are crossing their fingers for a tour stop on home soil.

bb6c47485cb103e3f97fe4a7d4aafa7575f52f0d3f4ff0f9ddebcdc057366590

BTS Gears Up For First Comeback In March 2026 After Completion Of Their Military Service

With luxury lifestyles, travel vlogs, and sponsored unboxings dominating social media feeds, it&rsquo;s no wonder that many Malaysian youth are increasingly drawn to the idea of becoming full-time content creators. The appeal of turning hobbies into income&mdash;and the hope of achieving viral success&mdash;has even led some to consider abandoning formal education or traditional career paths.
But behind the glamour lies a far more complex reality. Popular culinary content creator Che Nom, known for her meticulously crafted cooking videos and trusted recipes, has taken to social media to deliver a stark and sobering message for those romanticising the creator lifestyle.
&ldquo;It Looks Fun, But There&rsquo;s More Than Meets the Eye&rdquo; 
&nbsp;<img src="https://r2.myc.my/72c1a49549bc884e9ba8faaf45b15dbaad0400ac6005020be1b112871e52c413" />
In a widely shared <a href="https://www.facebook.com/resepichenom/posts/pfbid02FqcPj8oopnjHuRwSzYLPJdx48SeChuraK7nnPBXcL6QLrj8oKyM4yS8oRH231kTjl">Facebook post</a>, Che Nom opened up about the realities of running a content creation business, especially within the highly competitive culinary niche.
&ldquo;Many DM me saying they love cooking and want to start making food videos because they enjoy watching mine,&rdquo; she wrote. &ldquo;But what people often don&rsquo;t realise is that behind every short video is an enormous amount of effort, planning, and financial cost.&rdquo;
According to Che Nom, passion alone is not enough to survive&mdash;let alone succeed&mdash;in the fast-evolving digital content landscape. From high-quality video production and scripting to sound, lighting, recipe development and editing, each video involves multiple layers of labour and expertise.
Revenue vs. Reality: Why Views Don&rsquo;t Always Pay
&nbsp;<img src="https://r2.myc.my/5f3e2939c597efcaf5ecb824c6db6fc347b2d7182335beed1b49bafb4fdeda1c" />
In what may come as a surprise to many, Che Nom revealed just how little ad revenue can be generated from a seemingly successful video. She pointed to a recent reel on Kek Lapis Sarawak, which received over 56,000 views, yet earned her only RM415.40&mdash;and that, she clarified, was more than a month after it was uploaded.
Even more revealing was the financial breakdown of her monthly production costs, which typically fall between RM12,000 and RM16,000 for just 5 to 6 videos:
<ul>
<li>Videographer: RM2,500&ndash;RM3,500</li>
<li>Editor: RM2,500&ndash;RM3,000</li>
<li>Kitchen assistant: RM2,000&ndash;RM2,500</li>
<li>Premium ingredients &amp; repeated recipe testing</li>
<li>Electric usage for ovens (often for hours)</li>
<li>Utilities, props, equipment, and editing software</li>
</ul>
&ldquo;For those just starting out&mdash;if your monthly views don&rsquo;t even hit 300,000, your ad revenue likely won&rsquo;t exceed RM2,500,&rdquo; she said. &ldquo;That&rsquo;s not enough to cover basic costs, let alone make a living.&rdquo;
Seasoned Creators Are Struggling Too
&nbsp;<img src="https://r2.myc.my/42cf9284992b868217e00e1279e8c8a8164818dccdff52c33a4447120303d447" />
Che Nom didn&rsquo;t only speak from the perspective of a newcomer. She made it clear that even experienced content creators are now facing growing difficulties. As audience habits shift toward shorter formats like TikTok, YouTube viewership is declining for many, particularly on older videos that once generated passive income.
&ldquo;Many long-time creators are struggling now,&rdquo; she explained. &ldquo;RPMs (revenue per thousand views) are dropping, and it&rsquo;s getting harder for new videos to perform well. Passive income from older uploads is dwindling, and viewers have become far more selective.&rdquo;
In this environment, low-quality videos simply won&rsquo;t survive. Poor visuals, unclear audio, or lacklustre storytelling will quickly drive users to swipe away.
Burnout and Budget Pressure: The Emotional Toll
One major misconception Che Nom addressed is the belief that having a team lightens the load. &ldquo;That&rsquo;s only half true,&rdquo; she said. &ldquo;Yes, a team helps with production, but it also adds to monthly costs. If you go solo, you face burnout. If you hire help, you face higher expenses. Either way, it&rsquo;s tough.&rdquo;
The pressure to consistently produce high-performing content&mdash;combined with rising operational costs and unstable ad revenue&mdash;has led many in the industry to feel stretched thin, both financially and emotionally.
The New Rule: Diversify, Don&rsquo;t Depend on Ads
&nbsp;<img src="https://r2.myc.my/2530abe6f858af9771e62d5ec2879a92e99636c01ffa12c2a1651ebaab8d646e" />
One of Che Nom&rsquo;s key messages to aspiring creators was simple but vital: do not rely on YouTube ads alone. Instead, she recommended building multiple revenue streams to support the content business:
<ul>
<li>eBooks: Offering exclusive recipes or guides</li>
<li>Affiliate marketing: Partnering with brands for commission-based promotions</li>
<li>Products: Selling branded merchandise, kitchen tools, or ingredients</li>
<li>Online classes: Hosting paid virtual workshops or tutorials</li>
</ul>
She stressed that creators should only choose monetisation methods that align with their expertise and values, rather than blindly following what&rsquo;s trending.
&ldquo;Find a niche that you&rsquo;re truly good at,&rdquo; she urged. &ldquo;And don&rsquo;t try to compare yourself to someone who&rsquo;s been in the game for a decade.&rdquo;
Final Thoughts: It&rsquo;s Not Just About Glamour&mdash;It&rsquo;s About Grit
Che Nom&rsquo;s message wasn&rsquo;t intended to discourage&mdash;it was meant to ground expectations in reality. She acknowledged the beauty and creative freedom that comes with content creation but reminded her followers that it&rsquo;s also a business that demands planning, resilience, and the willingness to adapt.
&ldquo;Content creation is an art, but the journey is filled with challenges,&rdquo; she concluded. &ldquo;If your passion is genuine, go for it. Just know that success takes more than talent&mdash;it takes strategy, sustainability, and strong mental preparation.&rdquo;
Che Nom&rsquo;s post is a crucial reminder at a time when the dream of going viral seems more accessible than ever. Behind the glossy thumbnails and upbeat vlogs are real people facing real challenges. As she puts it: the dream is worth chasing&mdash;but only with eyes wide open.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
FOMO much? Follow our&nbsp;<a style="color: #ff0000;" href="https://www.facebook.com/mycclub/">Facebook</a>&nbsp;and&nbsp;<a style="color: #ff0000;" href="https://www.instagram.com/myc_news/?hl=en">Instagram</a>&nbsp;for more updates.

RM415 profit from 56k views? The truth about content creation might surprise you.

fac3ac4a30f0d778d31008fcb72f0484f3493e1607a88edc62b6e8464ce5ca6f

Che Nom’s Reality Check: The Hidden Costs And Realities Of Being A Content Creator In Malaysia

Despite being mandatory for most Malaysian workers, many contributors to the Social Security Organisation (PERKESO) remain unaware of the full scope of benefits available to them. One such benefit is the Temporary Disablement Benefit (Faedah Hilang Upaya Sementara), which provides income support to workers who are temporarily unable to work due to accidents or injuries &mdash; even during their commute to or from the office.
A recent <a href="https://www.threads.com/@mikaylamajla/post/DK_G2VMSE97?xmt=AQF0E7z_Y0P-jZH1LGO6g_zDGOnxC3HNyQJYzS1CEXQjgA">viral post</a> by a Malaysian woman has highlighted just how effective and swift the claims process can be &mdash; if you know what steps to take.
A Freak Accident on the Way to Work
&nbsp;<img src="https://r2.myc.my/4484df2bb9346e31e25e233bc62e2ee66411ef4130d7c73bb620e400d0fa9baf" />
The woman, a single mother, shared her experience on Threads, playfully beginning her post with: &ldquo;Who doesn&rsquo;t want free money??&rdquo; She went on to explain that she had fractured her foot after slipping into a roadside drain while dropping off her child at school &mdash; part of her usual journey to work.
&ldquo;It was kinda funny at first, but the pain was like death! I couldn&rsquo;t even stand,&rdquo; she wrote. Parents nearby helped carry her to the car, and her fianc&eacute; rushed her to a nearby clinic. The injury was so severe that a specialist later confirmed it required immediate surgery the very next day. Her X-ray showed seven fractures in her foot, including an avulsed peroneal tendon &mdash; a serious and painful injury.
Two Months of Recovery &ndash; And a PERKESO Lifeline
&nbsp;<img src="https://r2.myc.my/fc4addafaf4db47dc1f1b08d72de2a2c2197f7bedb792f33387b7fdd41129f32" />
She was placed on two months&rsquo; medical leave and had to use a wheelchair and crutches during her recovery. Knowing she contributed to PERKESO via salary deductions, she investigated whether she qualified for the Temporary Disablement Benefit &mdash; and found that she did.
Crucially, PERKESO confirmed her eligibility despite the accident occurring while dropping her child at school and not yet being at her workplace. As it was part of her regular route to work, it counted as a valid commuting injury under PERKESO guidelines.
PERKESO then contacted her to verify her story. When asked why she didn&rsquo;t use public transport, she explained that as a single mother living in Bukit Damansara, owning a car was a necessity due to poor public transport access in her area.
Her claim was approved just four days after submitting the required documents.
Quick and Efficient Processing
&nbsp;<img src="https://r2.myc.my/490d416ad076a1824f7aa6affa0be418d57ede352dd05e22cf6bcbd7b8b728ac" />
She submitted her application at the PERKESO Jalan Tun Razak branch. Within five minutes, her number was called. The entire submission process took under 10 minutes.
The next day, she received a phone call for follow-up. By 13 June, the funds were deposited into her account. Her experience was so smooth that she praised PERKESO for their efficiency and even encouraged others to make use of their entitlements.
&ldquo;Thank you, PERKESO, for making things easier for this single mum,&rdquo; she said emotionally.
What Is Temporary Disablement Benefit?
<img src="https://r2.myc.my/cddd2d8def74a52c392aaa1a3fb2cd82804758d0d51fe66da7015ffef8f0d80d" />
According to PERKESO&rsquo;s official site, the Temporary Disablement Benefit (HUS) provides daily income support of 80% of your average assumed daily wage. The payout ranges from a minimum of RM30 to a maximum of RM158.67 per day. You must receive medical leave of at least four days (including the day of the accident) to be eligible.
This benefit is part of PERKESO&rsquo;s broader Employment Injury Scheme, which also includes:
<ul>
<li>Medical Benefits</li>
<li>Permanent Disablement Benefit</li>
<li>Constant Attendance Allowance</li>
<li>Vocational and Physical Rehabilitation</li>
<li>Dependents&rsquo; Benefit</li>
<li>Funeral Management Allowance</li>
<li>Education Benefits for Children</li>
</ul>
Additionally, PERKESO also administers the Invalidity Scheme, which provides 24-hour protection in cases of illness or disability not related to work. It includes benefits such as:
<ul>
<li>Invalidity Pension</li>
<li>Invalidity Grant</li>
<li>Constant Attendance Allowance</li>
<li>Survivor&rsquo;s Pension</li>
<li>Rehabilitation Facilities</li>
<li>Dialysis, Return-To-Work Support</li>
<li>Funeral and Education Benefits</li>
</ul>
There is also the Employment Insurance System (SIP), which offers financial assistance to those who have lost their jobs under qualifying conditions.
How to Make a Claim: Required Documents
To ensure your claim goes smoothly, make sure you prepare and submit the following documents:
<ol>
<li>Form 34 (downloadable from the PERKESO website)</li>
<li>Copy of your NRIC</li>
<li>Original medical certificate (MC) &mdash; keep a second copy for yourself</li>
<li>Payslips from the six months prior to the accident</li>
<li>Attendance record for the month of the accident</li>
<li>Bank statement from a local bank</li>
<li>Police report lodged at a station near where the accident occurred</li>
<li>Hand-drawn route map from home to your workplace showing your travel path</li>
</ol>
You&rsquo;ll also need to get your HR department to sign and stamp Form 34 before submission.
She chose to walk in rather than submit her documents online, explaining that doing so allowed her to confirm everything was in order on the spot &mdash; and get a receipt as proof of submission.
Submit Within 3 Months &ndash; Or Risk Rejection
Importantly, she reminded others that all claims must be submitted within three months of the incident. Claims made after that period will not be entertained, regardless of the reason.
Don&rsquo;t Overlook Your Rights
She concluded her post with a simple message: &ldquo;This is your right. PERKESO is here to protect us workers. Just follow the steps and prepare your docs properly.&rdquo;
Whether you&rsquo;re injured at work, on your way there, or returning home &mdash; you may be entitled to benefits you never even knew existed.
For more information, visit the <a href="https://www.perkeso.gov.my">official PERKESO website</a>.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
FOMO much? Follow our&nbsp;<a style="color: #ff0000;" href="https://www.facebook.com/mycclub/">Facebook</a>&nbsp;and&nbsp;<a style="color: #ff0000;" href="https://www.instagram.com/myc_news/?hl=en">Instagram</a>&nbsp;for more updates.

Unaware of PERKESO’s support? It’s time to know what you're entitled to.

82458a0bee3dc16f00a262d7f9161a5ba04d9504cecc98fece3604cdedaa43da

Know Your Rights: How A Single Mum's PERKESO Claim Was Approved In Just Four Days

From 1 July 2025, Malaysia will implement a sweeping expansion of the Sales and Service Tax (SST), as part of the government&rsquo;s broader MADANI economic reform agenda. The overhaul, announced in Budget 2025 and detailed by Finance Minister II Datuk Seri Amir Hamzah Azizan, is aimed at enhancing national revenue, reducing fiscal deficits, and improving public services without placing excessive pressure on ordinary Malaysians.
The Ministry of Finance has said the move is designed to strengthen the country's fiscal position, broaden the tax base, and upgrade infrastructure and the social safety net. While some consumers are bracing for price hikes, analysts believe the impact will vary across sectors.
What&rsquo;s Staying Tax-Free (No changes)? 
<img src="https://r2.myc.my/79c27172b858d662193a9988c6ecc237fd3a3d68503dada61bd91b6c3822cc90" />
The good news for Malaysian households is that core staples and daily necessities remain zero-rated. This includes:
<ul>
<li>Unprocessed food: chicken, beef, fish, prawns, squid</li>
<li>Local produce: fruits and vegetables</li>
<li>Staples: rice, sugar, cooking oil, flour, pasta, noodles, milk</li>
<li>Essential goods: medicines, pet food, books, newspapers, journals</li>
<li>Construction inputs: cement, sand, stones</li>
<li>Agricultural supplies: fertilisers, pesticides, farming equipment</li>
<li>Medical devices and livestock feed</li>
</ul>
These items are protected to maintain affordability and protect vulnerable groups.
5% Sales Tax: Luxury Food and Industrial Goods 
<img src="https://r2.myc.my/2e9c195f5592d1198fb0fd40b05932be0c611242fda41a0db738983bc3bb6c93" />
A moderate 5% sales tax will now apply to a selection of luxury or imported products, reflecting their non-essential nature. Among the revised or newly taxed items in this tier:
<ul>
<li>King crab, salmon, cod</li>
<li>Truffles and imported strawberries</li>
<li>Essential oils and silk fabrics</li>
<li>Industrial machinery</li>
</ul>
Items already in the 5% bracket and unchanged include abalone, lobster, quinoa, cheese, fruit jams, and smartphones.
10% Sales Tax: High-End Goods and Collectibles 
<img src="https://r2.myc.my/834ff1c3e41f102895c36e3d47a35916f461b7a92500f9d4a9c1dfd840c52eca" />
The 10% bracket targets premium and luxury categories. Revised items include:
<ul>
<li>Racing bicycles</li>
<li>Antique and hand-painted artworks</li>
<li>Tungsten scrap waste</li>
</ul>
Caviar, shark fins, alcoholic beverages, cigarettes, cigars, and leather products remain taxed at 10%.
Expanded Service Tax: What&rsquo;s Affected?
The service tax, previously limited in scope, has now been extended to six new categories, with rates of 6% or 8%, depending on the sector. Notably, the government has built in exemptions and grace periods to ease the transition, particularly for small businesses and ongoing contracts.
<ol>
<li> Construction Services (6%) </li>
</ol>
<img src="https://r2.myc.my/0781a862147735e98fb447d6211da1bc8b7a1f673a53f9f0dc23fc48eafc91d4" />
Tax applies to construction work on infrastructure, commercial, and industrial buildings exceeding RM1.5 million in annual revenue. However, residential projects and public housing are exempt. Business-to-business (B2B) services and contracts signed before July 1 will enjoy a 12-month exemption.
<ol start="2">
<li> Financial Services (8%) </li>
</ol>
<img src="https://r2.myc.my/7aad389470a344b4921fa173860faa58ff29bdb0d8e454bdaa0b7d6773238e26" />
Fee-based or commission-driven services, such as loan processing, will be taxed. However, exemptions include:
<ul>
<li>Basic banking and Islamic financing</li>
<li>Capital markets and foreign exchange gains</li>
<li>Outward remittances</li>
<li>Shariah-compliant structures</li>
<li>Services by Bursa Malaysia and Labuan-based institutions</li>
</ul>
<ol start="3">
<li> Private Healthcare (6%) </li>
</ol>
<img src="https://r2.myc.my/9d04d8a67d8283b10c78d09ae54444a042cdda7dc68f6bb707e40a0187ab412a" />
Applies only to non-Malaysians. Malaysian citizens are fully exempt, including for traditional and complementary treatments such as Malay, Chinese, Indian, Islamic medicine, chiropractic care, and physiotherapy.
<ol start="4">
<li> Private Education (6%) </li>
</ol>
<img src="https://r2.myc.my/5d6bbac4f3294df37ac6cea5eda7139c3ce24131e9f8302fd3ac1e2fa641d494" />
Only affects:
<ul>
<li>Private preschools, primary, and secondary schools charging over RM60,000 annually per student</li>
<li>Higher education institutions for international students</li>
</ul>
Malaysians and persons with disabilities are exempt.
<ol start="5">
<li> Beauty Services (8%) </li>
</ol>
<img src="https://r2.myc.my/4a6975b08f4460e98298a32f97b71f1fb05daf98a80973dda3990dd6d3dede35" />
Includes facials, hairdressing, tattoos, body slimming, and similar services provided by businesses earning over RM500,000 annually.
<ol start="6">
<li> Rental and Leasing (8%) </li>
</ol>
Imposed on companies with revenue over RM500,000 per year from leasing or rental services. Exemptions include:
<ul>
<li>Residential property rentals</li>
<li>Reading materials</li>
<li>Financial leases</li>
<li>Tangible assets located overseas</li>
<li>MSMEs and B2B transactions</li>
<li>Existing contracts (12-month grace period)</li>
</ul>
Business and Market Response
&nbsp;<img src="https://r2.myc.my/3a14e8e0b78dbd1517971a48fe904e1bcff718e67cf3105ab5326ae833557064" />
Despite consumer concerns over potential price hikes, analysts from CIMB Securities and Hong Leong Investment Bank have suggested the expanded SST will have a limited impact on inflation and broader economic performance.
CIMB warned of potential margin pressure for consumer-facing businesses, especially those selling discretionary or luxury goods, as companies may absorb part of the cost increases to maintain affordability. Conversely, essential goods manufacturers and retailers are expected to weather the changes better, buoyed by consistent demand.
HLIB, meanwhile, maintains that sectors such as construction, banking, and healthcare are largely insulated due to cost pass-through capabilities and strong regional competitiveness.
The Finance Ministry projects inflation to remain within a manageable range of 2.0% to 3.5%, thanks to the targeted nature of the revised tax framework.
A Grace Period for Compliance
To ease the transition, the government has announced a non-punitive grace period until the end of 2025, during which no enforcement action will be taken against businesses making a genuine effort to comply.
Further clarity is expected in the coming weeks, as the Finance Ministry and Royal Malaysian Customs Department will issue detailed guidelines, regulations, and FAQs to help businesses and consumers navigate the updated SST regime.
While Malaysians brace for the SST expansion, it is clear the government has opted for a targeted, strategic approach &mdash; exempting essentials while taxing luxury goods and services more likely consumed by higher-income groups. Businesses will need to adapt quickly, but with transitional support and careful policy design, the impact on everyday Malaysians may be less severe than feared.
What are your thoughts on this? Let us know in the comments. 
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
FOMO much? Follow our&nbsp;<a style="color: #ff0000;" href="https://www.facebook.com/mycclub/">Facebook</a>&nbsp;and&nbsp;<a style="color: #ff0000;" href="https://www.instagram.com/myc_news/?hl=en">Instagram</a>&nbsp;for more updates.

From beauty salons to imported fruit, the revised tax regime reshapes daily spending — but essentials remain untouched.

7ee901e8ec232ee1da27c3658125b1ba51c4f28800ec30d691cce92f81abb302

Malaysia’s Expanded SST Kicks In This July: What You Need to Know

At a time when many Malaysians are voicing concerns over the rising cost of living, stagnant wages, and economic pressures, it is worth taking a step back to consider how the country is perceived by others, particularly foreigners who view Malaysia as a land of opportunity. One such voice is that of Sofi, an Indonesian woman whose personal journey in Malaysia has recently gone viral on TikTok. Her story offers a refreshing perspective on the advantages of living and working in the country.
Leaving Home for Better Prospects
Sofi&rsquo;s migration to Malaysia began in 2016, initially as a student furthering her education. But her long-term ambition was clear &mdash; she wanted to build a stable and successful life abroad. Although it meant leaving loved ones behind in Indonesia, the promise of greater opportunities, better pay, and a more conducive working environment gave her the motivation to take the leap.
She started her job search like many others, using common recruitment platforms such as LinkedIn and Jobstreet. But for the role she eventually secured at a tech company, she chose a different path &mdash; applying directly through the company&rsquo;s website. The risk paid off, and she was hired.
<blockquote class="tiktok-embed" style="max-width: 605px; min-width: 325px;" cite="https://www.tiktok.com/@anakmerantauu/video/7506521466763169042" data-video-id="7506521466763169042">
<section><a title="@anakmerantauu" href="https://www.tiktok.com/@anakmerantauu?refer=embed" target="_blank" rel="noopener">@anakmerantauu</a> Ga cuma di Taiwan aja yang banyak orang Indo nya👀 Ada yang tertarik kerja di Malaysia?🇲🇾 <a title="indotaiwan" href="https://www.tiktok.com/tag/indotaiwan?refer=embed" target="_blank" rel="noopener">#indotaiwan</a> <a title="kerjaditaiwan" href="https://www.tiktok.com/tag/kerjaditaiwan?refer=embed" target="_blank" rel="noopener">#kerjaditaiwan</a> <a title="kerjadimalaysia" href="https://www.tiktok.com/tag/kerjadimalaysia?refer=embed" target="_blank" rel="noopener">#kerjadimalaysia</a> <a title="♬ sonido original - Selectomusic | #GoodMusic" href="https://www.tiktok.com/music/sonido-original-7352613124358425349?refer=embed" target="_blank" rel="noopener">♬ sonido original - Selectomusic | #GoodMusic</a></section>
</blockquote>

<script async="" src="https://www.tiktok.com/embed.js"></script>

In her TikTok video, Sofi explained that one of the key reasons she chose Malaysia over other destinations was its geographical proximity to Indonesia. This made the transition more manageable, both culturally and logistically. Malaysia&rsquo;s shared elements &mdash; from food to language and religion &mdash; made it easier for her to adapt compared to countries further afield.
She also noted that among her peers back home, Malaysia has built a reputation as a relatively accessible destination for work and study, especially for those looking to escape the limitations of Indonesia&rsquo;s domestic job market.
Better Pay and Tangible Benefits
<img src="https://r2.myc.my/898db9ee463fc858086150067d58819204cf214c9f74853f4572a1417ba66fff" />
A standout factor in Sofi&rsquo;s decision to remain in Malaysia post-graduation was the significantly higher earning potential. She mentioned that earning RM3,000 per month is considered a high income by Indonesian standards, especially for young professionals. This salary not only covered her living expenses but also allowed her to save &mdash; something that might not have been possible had she stayed in her home country.
What truly impressed her, however, was the Employees Provident Fund (EPF), or Kumpulan Wang Simpanan Pekerja (KWSP). She highlighted the 12&ndash;13% employer contribution as being much higher than what she would have received back home. This benefit, she said, made her feel more financially secure and gave her the assurance that she was building long-term savings.
Years of disciplined saving eventually paid off, and Sofi proudly shared that she was able to purchase her own car in Malaysia, spending around 40 million rupiah, or approximately RM10,440. While she didn&rsquo;t specify whether the car was new or used, the purchase marked a major personal milestone.
Interestingly, she still chooses to rely on public transport, particularly the LRT, for her daily commute. She finds it more convenient for navigating Kuala Lumpur&rsquo;s urban sprawl and noted that the city&rsquo;s rail network makes it relatively easy to get around without the stress of traffic or parking.
Criticisms: A Car-Centric, Pedestrian-Unfriendly Nation?
Sofi&rsquo;s video struck a chord with many viewers, drawing in comments from both Malaysians and fellow Indonesians. Many were quick to agree with her views, stating that Malaysia offers strong advantages for foreign workers &mdash; especially in terms of employment opportunities, overtime pay, and relatively straightforward hiring requirements.
One TikTok user from Indonesia wrote: &ldquo;It&rsquo;s totally worth working in Malaysia because most jobs in every state offer overtime pay. Plus, the job criteria are not that complicated.&rdquo;
However, not everyone was entirely convinced. Some questioned Sofi&rsquo;s car purchase claim, arguing that new cars in Malaysia typically cost more than RM10,000 unless second-hand. Others used her story to highlight areas where Malaysia still falls short, particularly in urban planning.
Among the critical feedback were comments from Indonesians who had visited or lived in Malaysia and felt that the country lacked pedestrian-friendly infrastructure. &ldquo;It&rsquo;s really not friendly for walking,&rdquo; one user commented. &ldquo;Compared to Indonesia, Malaysia is even harder to walk around in. It&rsquo;s very car-centric.&rdquo;
Here&rsquo;s some of the comments:
<img src="https://r2.myc.my/e4387d958d4e14ad38e2e0b9da6c7f6663c33a9e4f2cdfcde374700b679ca1da" />
This sentiment reflects a long-standing critique of Malaysian city planning, particularly in Kuala Lumpur, where walkability, shade, and safety for pedestrians often take a back seat to road and highway development. Nevertheless, the increasing availability of trains and buses in recent years has improved access for many without personal vehicles.
Malaysia as a Land of Opportunity &mdash; With Room for Growth
Sofi&rsquo;s story is just one of many that reflect the aspirations and decisions of foreign professionals who choose Malaysia as their home away from home. Her experience highlights how Malaysia remains an attractive destination for talent &mdash; offering competitive salaries, meaningful employment, financial benefits, and access to modern conveniences.
For Malaysians, her perspective might serve as a reminder that while the country faces real economic and social challenges, it still holds many advantages in the broader regional context. With continued reforms, better urban development, and fair wage practices, Malaysia has the potential to retain local talent and remain a magnet for skilled workers from abroad.
What are your thoughts on this? Let us know in the comments. 
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
FOMO much? Follow our&nbsp;<a style="color: #ff0000;" href="https://www.facebook.com/mycclub/">Facebook</a>&nbsp;and&nbsp;<a style="color: #ff0000;" href="https://www.instagram.com/myc_news/?hl=en">Instagram</a>&nbsp;for more updates.

With better wages, stronger benefits, and long-term prospects, she says Malaysia was the right move.

2329d171a1cc919ed7667c5a15aaba4b78a3fa2f709687b768adbf7055d8a5c3

Indonesian Woman Builds Her Life In Malaysia, Calls EPF A Major Advantage

Shopee sellers are bracing for yet another increase in operational costs as the e-commerce platform confirmed a hike in its SPayLater seller fee. The change, set to take effect on 8 May 2025, will see the fee rise from 3.5% to 4.5% for all completed orders involving the SPayLater payment option.
The update was announced through Shopee&rsquo;s official Seller Education Hub, continuing a trend of rising charges for merchants using the platform.
What Is SPayLater? 
<img src="https://r2.myc.my/a62796e4303ff33bf724897f79a3f39b982bad43119b1080a6710fedfa3de146" />
SPayLater is Shopee&rsquo;s Buy Now, Pay Later (BNPL) scheme, designed to give buyers flexibility in managing their purchases. The feature enables customers to split their payments over installment plans ranging from one to 24 months. Instalments up to three months typically carry no extra fees for buyers, but longer tenures can incur charges of up to 36%, depending on the duration.
However, while buyers may choose whether or not to use SPayLater, sellers are automatically enrolled in the programme with no option to opt out. This means they must absorb the associated transaction fee regardless of whether they benefit directly from the instalment feature.
Why Are Sellers Frustrated?
&nbsp;<img src="https://r2.myc.my/e816e805f983200358e1b1830eb38cfdc3be9218e22e47533de142280683cf1c" />
The fee hike has been met with widespread frustration among Shopee merchants, many of whom took to online seller communities to express their discontent. One recurring point of criticism is the lack of transparency&mdash;Shopee has not provided any formal explanation for the increase.
Many sellers are questioning why they are being penalised when it is ultimately the buyer&rsquo;s decision to use the SPayLater facility. The platform&rsquo;s insistence on making SPayLater mandatory for eligible sellers has only fuelled further resentment.
A number of sellers have even suggested raising their prices to cushion the impact of the new fee, potentially making Shopee less competitive for buyers as a result.
Sellers Speak Out: &ldquo;It&rsquo;s Getting Too Much&rdquo;
Among those voicing concern is Loh, a power tool seller who requested partial anonymity. Speaking to local media, Loh said that the compounding cost of selling on Shopee&mdash;including this new SPayLater fee&mdash;is driving him to reconsider the platform entirely.
&ldquo;My business has to contend with more and more extra fees, and I&rsquo;d need to hire someone just to operate and manage the sales channel,&rdquo; he said. &ldquo;That&rsquo;s pushed my business away from focusing too much effort towards selling on Shopee.&rdquo;
A Pattern of Increasing Charges
&nbsp;<img src="https://r2.myc.my/5268806b0bc67a485230899cca302a30408a47ee615a61836d3eb4fcd5c7d8bc" />
This latest update follows a previous hike in August 2024, when Shopee increased its general Transaction Fee for sellers from 2% to 3.5%&mdash;a move that excluded SPayLater and credit card payments at the time. That change, too, received criticism from small business owners struggling to maintain margins on the platform.
It&rsquo;s also worth noting that the new 4.5% SPayLater fee is subject to Malaysia&rsquo;s 8% Sales and Service Tax (SST), effectively making the total cost to sellers even higher.
Shopee&rsquo;s Justification &mdash; and What&rsquo;s Missing
While Shopee has highlighted that SPayLater can increase a seller&rsquo;s gross merchandise value by offering flexible payments to buyers, it has not justified the fee hike directly or provided any context for the additional cost burden. The omission has left many sellers feeling alienated, especially as BNPL platforms typically share costs across both buyers and sellers in a more transparent manner.
What&rsquo;s Next for Shopee Sellers?
As sellers scramble to adjust to the updated fee structure, questions remain about Shopee&rsquo;s long-term strategy and its impact on small and medium-sized businesses. If costs continue to rise without improved support or clearer communication, more sellers like Loh may look to alternative platforms or offline sales.
For now, the 4.5% fee for SPayLater orders will go into effect from 8 May 2025, and sellers will have no choice but to comply &mdash; or reconsider their future on the platform.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
FOMO much? Follow our&nbsp;<a style="color: #ff0000;" href="https://www.facebook.com/mycclub/">Facebook</a>&nbsp;and&nbsp;<a style="color: #ff0000;" href="https://www.instagram.com/myc_news/?hl=en">Instagram</a>&nbsp;for more updates.

To offset the higher fee, some sellers may begin raising their product prices.

Singaporean Financial Expert Hails EPF As A "Gold Mine" Compared To CPF

It seems that Malaysians are sitting on an overlooked financial treasure.

Latest News

Najib Razak Walks Free From RM27 Million SRC Charges – But Remains A Jailed Man

Penang’s First-Ever LRT: Mutiara Line Construction To Begin By August 2025

Nintendo Switch 2 Set to Launch in Malaysia on 3 July 2025; Priced From RM2,488

BTS Gears Up For First Comeback In March 2026 After Completion Of Their Military Service

Che Nom’s Reality Check: The Hidden Costs And Realities Of Being A Content Creator In Malaysia

Related Articles

Che Nom’s Reality Check: The Hidden Costs And Realities Of Being A Content Creator In Malaysia

Know Your Rights: How A Single Mum's PERKESO Claim Was Approved In Just Four Days

Malaysia’s Expanded SST Kicks In This July: What You Need to Know

Indonesian Woman Builds Her Life In Malaysia, Calls EPF A Major Advantage

Shopee Hikes SPayLater Seller Fee To 4.5% From 8 May

Related Articles

Che Nom’s Reality Check: The Hidden Costs And Realities Of Being A Content Creator In Malaysia

Know Your Rights: How A Single Mum's PERKESO Claim Was Approved In Just Four Days

Malaysia’s Expanded SST Kicks In This July: What You Need to Know

Indonesian Woman Builds Her Life In Malaysia, Calls EPF A Major Advantage

Shopee Hikes SPayLater Seller Fee To 4.5% From 8 May