To Sell Or Not To Sell?
Do note that the following are just thoughts and plans that I am thinking to do for myself, and nothing should be treated as advice of any sorts, because even I myself is unsure what action I should be taking moving forward for now. Recently, a series of events that happened made me think about what I should do for myself moving forward. These events are: 1) The strengthening of the Malaysia Ringgit (MYR) against the Singapore Dollar (SGD), and this appreciation may continue further in 2025 as US continue to gradually cut interest rates. 2) The US markets have continued to hit another all time highs. As such, I am contemplating to liquidate my entire US Growth Portfolio, and convert the monies to MYR and use it to pay down my mortgage loan in Malaysia. The reasons for why I have this thought are as follows: 1) The main advantage of this move is that it will improve my cash-flow in my Malaysia "assets", making my Malaysia investment cash-flow positive (yes, cur