Placeholder. This post explains the editorial split so the shell makes sense on day one. Rewrite it in your own voice before launch.

I already wrote the book — the core thesis, the allocation, the fee math, the satellites, PRS. It lives at duitnsen.com and I keep it evergreen on purpose: those pages get updated, not archived.

But some things I want to write age by design. A fee promo ends. A satellite thesis plays out (or doesn't). A monthly receipt is only honest if it stays stamped with its month. Putting that material in the book would rot it from the inside.

So the split is simple:

  • The book (duitnsen.com) — evergreen chapters. If it's still true in five years, it goes there.
  • The blog (here) — dated notes. Market commentary, satellite ETF deep-dives, portfolio receipts, platform and fee alerts. Every post wears its date like a price tag, and anything older than a year gets an automatic "this has probably changed" banner.

Same rules as everywhere else on DuitnSen: education, not advice. First-person, receipts included, written as hard on me as on you.

Start with the book if you're new. Come back here when you want to know what I'm actually doing this month.

⚠ Not financial advice. DuitnSen is general financial education, not a licensed advisor under the Securities Commission Malaysia. Nothing here is a recommendation to buy or sell any specific instrument, and no return is guaranteed the way ASB or Tabung Haji might feel. ETF values rise and fall. Verify every figure with the platform and fund provider before you act.

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No spam, no paid sponsorships — just the next writeup, dated and honest about what might have changed since.

Free to read, always — the whole blog, no sign-up. The email is optional.