Can I still achieve what I plan to achieve by the time I’m 30?

Truly, the global financial crisis that we are facing right now is taking a toll on me.

My unit trust investment with Public Mutual is down around 35%, and my CFD trading activities is crippling. I’m still making money with CFD but my bank balance is advancing very very slowly. One day I’m up a few hundred dollars and the next day, I’m down a few hundred dollars. I made a loss last quarter but it’s getting better this quarter (I hope). Whatever it is, my trading performance is beating my unit trust investment performance but of course, I can’t be comparing them two. It’s like comparing apples and oranges.

Anyway, I’m still confident that in the long-term, my Public Mutual investment will pull through (Of course I’m going to say that. What else can I say? Hehehe).

The question that keeps on playing in my mind is this >> Will I still be able to achieve what I want to achieve (i.e. Financial Freedom) by the time I reach 30 years old? The current crisis is truly making things harder. I can’t even begin to imagine how in the world am I going to negotiate my salary when it’s time for me to formally enter the workforce. Well, the employers has got the upper hand for the time being.

On the other hand, I have to say that I am pretty grateful that I have to face this thing at such an early age. At least, I could learn a thing or two during the early parts of my wealth-making venture about the dangers of over leveraging and the danger that lurks within the financial market.

Oh well, life is full of challenges. I guess that’ll make life a little more interesting huh?


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About nadlique

This blog is about the journey of a 28-year-old Malaysian towards financial freedom. This blog was started back when the blogger was 21 years old. However, his journey towards financial freedom had begun way before that. Materials such as investing, business, entrepreneurship, equities, and real estate are presented. The author also posts his thoughts and observations on life in general.


  1. With this uncertain times,it’s better to keep cash!

  2. but where to keep the cash that can compete against inflation?

    cash is better only if you know how to use it wisely!

  3. Talking about finance and investment, when are we actually certain about anything?

    True, presently, the degree of uncertainty is higher than during an economic boom, but honestly, I don’t think liquidating everything into cash is a good idea also. Like what Nurul said, where to keep the cash where the rate is higher than the inflation?

    Just a thought really. To keep the discussing/debate going 😉

  4. Have you try to buy gold? Maybank & Public Bank have a gold investment product. For the past few years, gold prices have increased on average 25% per year. You should consider gold in your investment portfolio also. Just google it.

  5. I don’t have physical gold in my portfolio but under my private trading fund, I do trade gold from time to time.

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