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I saved RM450,000 within 2 years as a Big 4 manager in Singapore during my early 30s. I could have saved even more if I hadn’t lived just 15 minutes from the office or spent recklessly on food and other things-honestly, I spent way more than my Singaporean colleagues. You’d never save RM450,000 working in Kuala Lumpur unless you're a politician.
@@PlanetXenornoph we are talking about average Malaysian (with a Degree) working in SG and can save a few millions MYR after working in SG for like 10 years. Can the average Malaysian do that in KL, Penang or JB? I certainly cannot when I worked 13 years in KL. After that I worked 15 years in SG and now I'm retired.
Add info: Thats why msians working in sg stay in JB. Rental rm1.5k~1.8k at Danga Bay(Woodlands border) or Forest City(Tuas border). Save more but less worklife balance but thats the sole purpose you work in sg. Is to run SGD & get the hell out when you get the bag Good luck everyone
Actually there are many Singaporean, Australian, British, etc working in SG but staying in JB. With WFH now available, it is actually an even better work life balance then staying in SG.
@@shutengloke5907 There is, but nowadays the Malaysia Immigration is smarter and more strict. Many has been dealt with a NTL (not to land) and refused entry to malaysia for abusing social visit pass
“These foreigners [- including dodgy permanent residents (PRs)] - are here [in Singapore] to contribute economically & who will want to come to Singapore if we subject them to the conscription & lifelong reservist liability which we compel onto all our local lads, regardless of how many male children the parents conceive? [...] THEY WILL LEAVE”! - 楊康海 (good riddance)
Great video, really breaks down the financials and lifestyle differences! I've been thinking about this move myself, and your points about the cost of living and career growth in Singapore are super insightful. However, the property and car ownership restrictions in Singapore are a bit of a deal-breaker for me, especially if you're not a PR. Also, the work culture sounds intense - it's something to really consider if you value a more relaxed lifestyle like we often have in Malaysia. Thanks for highlighting the pros and cons, definitely food for thought
Yes and no, Yes, if the person is single and not stay in SG...means must travel everyday to work from JB...the cost of living in SG so high..the rental is so crazy high that it is not economical to rent a room and cost bear by one person...and if you have family worse, the cost of education for PR child is also very high. No if you have family and with a a child with PR status and to rent a house, you need to have salary minimum SGD 6K above.
Saya oleh itu akan memaklumkan kepada anda bahawa saya menyedari rakyat (yang kaya) Malaysia - serta Indonesia - yang mengeksploitasi (剝削) காசிவிஸ்வநாதன் “கா [/கே]” “bandar, bukan negara” சண்முகம் sebagai batu loncatan semata-mata untuk meneruskan (akhirnya) mendapatkan penduduk status di Australia (atau Kanada). Kesedaran tentang pendidikan kebangsaan (NE) atau “pengetahuan asas” negara seseorang adalah tidak relevan & hanya “sejarah (歷史)”, iaitu sesuatu yang TERPAKSA dipelajari dalam sistem persekolahan selama beberapa tahun & kemudian BUANG sama seperti sampah secepat mungkin (“useless knowledge”). Walau bagaimanapun, perkhidmatan negara (NS) adalah penting kerana eksploitasi semua lelaki tempatan yang ditugaskan serta tertakluk kepada liabiliti pasukan simpanan sepanjang hayat tanpa mengira status sosioekonomi keluarga nuklear mereka atau berapa ramai anak lelaki yang di kandung ibu-bapa menjana “pembangunan ekonomi” & “berguna dari segi ekonomi” berbanding pendidikan kebangsaan (NE). Wanita tempatan & warga asing - terutamanya penduduk tetap (PR) yang cerdik MUNAFIK - boleh bermain “pilih-&-campur” dengan Singapura, iaitu memilih apabila Singapura adalah sebuah negara atau bandar (raya global) apabila Singapura sesuai dengan keadaan individualistik mereka & berpegang pada diri sendiri kepentingan berpusat. Sekurang-kurangnya pemegang pasport Ireland-merangkap-Kesatuan-Eropah boleh menjadikan kejahilan & buta huruf berfungsi untuk kelebihan tiga kali ganda mereka dilengkapi dengan konotasi pengganas romantis.
the public transportation in Singapore is punctual, clean, comfortable and reliable...it is also international class, meaning: you are under shelter from your apt to the boarding point.
Hundreds of thousands of m'sian migrant workers travel to s'pore to work everyday. M'sia is way behind s'pore in many international rankings. Tens of thousands of m'sians queue up to become s'pore citizens every year while no s'poreans queue up to become m'sian citizens. It' so obvious that s'pore is a much better place.
Frankly speaking I believe Malaysians are the winners here as compared to Singaporeans.. Able to earn 3.3 times more just across a short border from the comfort of your own country and there’s no need to serve many years of National Service and subsequent in-camp trainings (if you are a man). Just work hard for a few years, save and invest your money properly and you could be heading for an early retirement back in Malaysia.. no such luck for a Singaporean.. Malaysia boleh!
“These foreigners [- including dodgy permanent residents (PRs)] - are here [in Singapore] to contribute economically & who will want to come to Singapore if we subject them to the conscription & lifelong reservist liability which we compel onto all our local lads, regardless of how many male children the parents conceive? [...] THEY WILL LEAVE”! - 楊康海 (good riddance)
Such a small thinker, you think 10 years later Malaysia will be cheaper than Singapore in terms of cost of living? You lucky you can still afford a meal in Malaysia due to the exchange rate back in Malaysia many can't even afford 3 meals a day due to very high cost of living now from food, transportation and accommodations. You can still find S$3.50 a meal in Singapore but in Malaysia it is at least rm15. Plus they have retirement funds to fall back on. What have you if you can save which u know most arrogant Malaysian would rather spend it on a LV. Bags. Singaporeans always plan no matter how poor they still can afford a roof. How many Malaysians like you can? Still got the audacity to make such a childish statement about them. Pathetic
I have a Malaysian ex colleague who worked in SG earning between 2.5k-3k (15 years ago) who works in Orchard and commute back to JB daily riding a motorcycle. His role didn’t hv much OT so he definitely made a splash. He woke up very early to escape traffic jam and go back on time to hv dinner with family. It’s what you want to sacrifice to suit your lifestyle.
pls ask someone who is malaysia and working in sg to give their opinions, if possible get someone who is professional industry like emgineer thank you sirrrr
Am born and raised in JB. I'd rather earn 3.5k SGD as a start than earning RM3.5K. COL in JB is way over the top that a bowl of pan mee can go up to RM10-11. If I'm earning MYR, thats gonna be a huge pinch. A bowl of pan mee cost SGD4-5. I'd be much happier earning SGD and spending in SG itself
i think the work load and stress is x3, if your family is not wealthy but you are highly educated and qualified, i recommend going to Singapore to work, or else find a way to get your parents to sponsor you to start a business in a proper way, Financial freedom and passive income is key, with extra time you can be free to think how to improve on a business like Ziet did, thats why Ziet didnt go to Singapore but encourage any of you who just want a stable life to work in Singapore. True story
I think the career growth is much more matters for me to stay in SG. Some position like FP&A have more vacancies in SG than MY. and most of the MNC tried to setup shared service centre and move those job requires less skill to Malaysia
** Hi FROM KL here ** More than anything msians need to be grateful for this useful information - BUT i need to point out with FACT - now 10K RM cannot stay KL .. family with 2 children and CAR struggling to save anything after expenses. SINGAPORE total paid fully monthly housing mortgage including utilities = SGD $288. (Other including phone and internet = full total about $640.)
Another factor is TAX rate. As an above average salaried working adult, engineers/finance/accountant etc.. Malaysia: Earns RM8k per month. Whatever more than 8k, it is taxed at a staggering 25%. SG: Similarly, earning 4k SGD per month, it is taxed at 7%
For me, as a young freshies sacrificing for the saving is super worth compared livin here in Malaysia. I have a dream to be Financially freedom early and to be realistic having 1 million before 30 in corporate is SG the only way. I been working for 3Y with above average salary IT but still the saving and buying power are not there. 🤣
Please dont come to Singapore. Its not worth it. We are so cramped here. You are packed like sardines everywhere you go. You pay more for what you earn....... Please stay and work in Malaysia. Malaysia Boleh!
Similar situation but I have worked In Australia for 15 years. Invested / saved and not have net worth of about RM5 million with some passive income . I also built up a good network and relationship in my industry and have obtained a job can work remotely. Planning to move back next year at age 42 while working remotely . even at a monthly salary of $AU5-6k post tax plus passive income that is more than enough to live comfortably in Malaysia. If I was to live in Malaysia and work I people never get these opportunities and savings . But it was not an easy path, lots of sacrifices and discipline was needed to get to where I am.
Long story short, work hard in sg to maximise your saving then retire early in malaysia. Itll be a tough life but thats the sacrifice you gotta make. Good luck to everyone 🙏
How can an Account Executive work in SG with so low salary? You wouldn't be qualify to get a Employment Pass. I think you should get more information before doing this video.
I earn around $3.1k/month, and it’s possible to get an Employment Pass, only if working for an SME with fewer than 10 employees (I managed to get one with my current salary, and I work in a role similar to the one mentioned in the video). This video seems to provide correct information in my opinion lol.
@@tinyelysium3706 EP (not Work Permit) with $3.1k salary? That interesting. www.mom.gov.sg/passes-and-permits/employment-pass/eligibility/compass-c1-salary-benchmarks
Somehow most of the Malaysian can get Employment Pass in Singapore with lower salary. However, not all have the luck and the requirement will be higher and higher.
In this days and since the 80s....Malaysian are part of the building of Singapore....Spore need Malaysian workers even though theres others to choose. So dont play play ahh...
Hey ziet can you do a video on opening an offshore bank accounts in Singapore for non residents? I’d like to open one to have a second storage for my savings
no leh i like my malaysian colleagues LOL. I always see malaysian as equals to singaporeans. Somemore they always gimi travel tips and help me buy cheap stuff from malaysia 🤩
Short answer. Yes. Your salary is already 3 times whatever you will earn in Malaysia. Not to mention lower taxes, first world country, safe, and fun. People all over the world flock to Singapore. Malaysians get to enjoy that by default.
The job market now in SG is worse compared to covid days, for Malaysia degree holders if you want career growth, just stay in KL😂 One more thing, you are more likely to be replaced or layoff, if your performance is average
Mesti la. Cina Malaysia masuk Singapore kerja ambil SGD. Making lama besa kepala. Cina Singapore masuk Johor pump minya 95, bawak kerete BMW, Audi, Mercedes.
Hey friends, I’ve got a little favour to ask! If you enjoyed this video, can I kindly get your help to hit the Like & Subscribe button? That’s a small way you can help us get closer to the 100K goal and in return we will create even better videos for you! Really appreciate you❤
If you are johorean maybe, otherwise KL and Penang heaps better. Focus on our local economy better
done subscribing👍👍
Sure. Need to support
I saved RM450,000 within 2 years as a Big 4 manager in Singapore during my early 30s. I could have saved even more if I hadn’t lived just 15 minutes from the office or spent recklessly on food and other things-honestly, I spent way more than my Singaporean colleagues. You’d never save RM450,000 working in Kuala Lumpur unless you're a politician.
There's many Malaysians able to save more than 450k working in KL, Penang and JB, don't assume that all are poor and it's depends how you earn it
@@PlanetXenornophThe problem is an average manager in Singapore can save 450k, while an average manager in KL most likely cannot.
@@PlanetXenornoph Find a job like that. I am not talking about business man.
@@PlanetXenornoph we are talking about average Malaysian (with a Degree) working in SG and can save a few millions MYR after working in SG for like 10 years. Can the average Malaysian do that in KL, Penang or JB?
I certainly cannot when I worked 13 years in KL. After that I worked 15 years in SG and now I'm retired.
Seems like the more lucrative option would be to try to become a politician in Malaysia than to work like a dog in SG…
Add info:
Thats why msians working in sg stay in JB. Rental rm1.5k~1.8k at Danga Bay(Woodlands border) or Forest City(Tuas border).
Save more but less worklife balance but thats the sole purpose you work in sg. Is to run SGD & get the hell out when you get the bag
Good luck everyone
Thanks for chipping in!
Actually there are many Singaporean, Australian, British, etc working in SG but staying in JB. With WFH now available, it is actually an even better work life balance then staying in SG.
@@shutengloke5907 There is, but nowadays the Malaysia Immigration is smarter and more strict. Many has been dealt with a NTL (not to land) and refused entry to malaysia for abusing social visit pass
You missed an important point, SG only takes the most qualified/ eligible Malaysian. The ball is in their court 🤭
“These foreigners [- including dodgy permanent residents (PRs)] - are here [in Singapore] to contribute economically & who will want to come to Singapore if we subject them to the conscription & lifelong reservist liability which we compel onto all our local lads, regardless of how many male children the parents conceive? [...]
THEY WILL LEAVE”!
- 楊康海 (good riddance)
Great video, really breaks down the financials and lifestyle differences! I've been thinking about this move myself, and your points about the cost of living and career growth in Singapore are super insightful. However, the property and car ownership restrictions in Singapore are a bit of a deal-breaker for me, especially if you're not a PR. Also, the work culture sounds intense - it's something to really consider if you value a more relaxed lifestyle like we often have in Malaysia. Thanks for highlighting the pros and cons, definitely food for thought
Yes and no, Yes, if the person is single and not stay in SG...means must travel everyday to work from JB...the cost of living in SG so high..the rental is so crazy high that it is not economical to rent a room and cost bear by one person...and if you have family worse, the cost of education for PR child is also very high. No if you have family and with a a child with PR status and to rent a house, you need to have salary minimum SGD 6K above.
Good take on working in Singapore. I've been working and living in Singapore for 15 years now. It is the best career decision that I've ever made.
Saya oleh itu akan memaklumkan kepada anda bahawa saya menyedari rakyat (yang kaya) Malaysia - serta Indonesia - yang mengeksploitasi (剝削) காசிவிஸ்வநாதன் “கா [/கே]” “bandar, bukan negara” சண்முகம் sebagai batu loncatan semata-mata untuk meneruskan (akhirnya) mendapatkan penduduk status di Australia (atau Kanada).
Kesedaran tentang pendidikan kebangsaan (NE) atau “pengetahuan asas” negara seseorang adalah tidak relevan & hanya “sejarah (歷史)”, iaitu sesuatu yang TERPAKSA dipelajari dalam sistem persekolahan selama beberapa tahun & kemudian BUANG sama seperti sampah secepat mungkin (“useless knowledge”).
Walau bagaimanapun, perkhidmatan negara (NS) adalah penting kerana eksploitasi semua lelaki tempatan yang ditugaskan serta tertakluk kepada liabiliti pasukan simpanan sepanjang hayat tanpa mengira status sosioekonomi keluarga nuklear mereka atau berapa ramai anak lelaki yang di kandung ibu-bapa menjana “pembangunan ekonomi” & “berguna dari segi ekonomi” berbanding pendidikan kebangsaan (NE).
Wanita tempatan & warga asing - terutamanya penduduk tetap (PR) yang cerdik MUNAFIK - boleh bermain “pilih-&-campur” dengan Singapura, iaitu memilih apabila Singapura adalah sebuah negara atau bandar (raya global) apabila Singapura sesuai dengan keadaan individualistik mereka & berpegang pada diri sendiri kepentingan berpusat.
Sekurang-kurangnya pemegang pasport Ireland-merangkap-Kesatuan-Eropah boleh menjadikan kejahilan & buta huruf berfungsi untuk kelebihan tiga kali ganda mereka dilengkapi dengan konotasi pengganas romantis.
the public transportation in Singapore is punctual, clean, comfortable and reliable...it is also international class, meaning: you are under shelter from your apt to the boarding point.
Hundreds of thousands of m'sian migrant workers travel to s'pore to work everyday. M'sia is way behind s'pore in many international rankings. Tens of thousands of m'sians queue up to become s'pore citizens every year while no s'poreans queue up to become m'sian citizens. It' so obvious that s'pore is a much better place.
Frankly speaking I believe Malaysians are the winners here as compared to Singaporeans..
Able to earn 3.3 times more just across a short border from the comfort of your own country and there’s no need to serve many years of National Service and subsequent in-camp trainings (if you are a man).
Just work hard for a few years, save and invest your money properly and you could be heading for an early retirement back in Malaysia.. no such luck for a Singaporean..
Malaysia boleh!
“These foreigners [- including dodgy permanent residents (PRs)] - are here [in Singapore] to contribute economically & who will want to come to Singapore if we subject them to the conscription & lifelong reservist liability which we compel onto all our local lads, regardless of how many male children the parents conceive? [...]
THEY WILL LEAVE”!
- 楊康海 (good riddance)
Such a small thinker, you think 10 years later Malaysia will be cheaper than Singapore in terms of cost of living? You lucky you can still afford a meal in Malaysia due to the exchange rate back in Malaysia many can't even afford 3 meals a day due to very high cost of living now from food, transportation and accommodations. You can still find S$3.50 a meal in Singapore but in Malaysia it is at least rm15. Plus they have retirement funds to fall back on. What have you if you can save which u know most arrogant Malaysian would rather spend it on a LV. Bags. Singaporeans always plan no matter how poor they still can afford a roof. How many Malaysians like you can? Still got the audacity to make such a childish statement about them. Pathetic
Work in SG get high salary, abuse cheap rental, fuel and medicine in JB.
I have a Malaysian ex colleague who worked in SG earning between 2.5k-3k (15 years ago) who works in Orchard and commute back to JB daily riding a motorcycle. His role didn’t hv much OT so he definitely made a splash.
He woke up very early to escape traffic jam and go back on time to hv dinner with family. It’s what you want to sacrifice to suit your lifestyle.
Great video Ziet
I’m elated to have gotten bossku affirmation
@@ZietInvests LOL
pls ask someone who is malaysia and working in sg to give their opinions, if possible get someone who is professional industry like emgineer thank you sirrrr
if this gets more likes we will go down johor/singapore to cover it ourself!!
@ DO IT PLSSSS
Am born and raised in JB. I'd rather earn 3.5k SGD as a start than earning RM3.5K.
COL in JB is way over the top that a bowl of pan mee can go up to RM10-11. If I'm earning MYR, thats gonna be a huge pinch.
A bowl of pan mee cost SGD4-5. I'd be much happier earning SGD and spending in SG itself
Wow nice video, ziet
Hello nice sifu
WORK IN SINGAPORE , LIVE IN MALAYSIA =)
Stay in Malaysia but work in Singapore.
i think the work load and stress is x3, if your family is not wealthy but you are highly educated and qualified, i recommend going to Singapore to work, or else find a way to get your parents to sponsor you to start a business in a proper way, Financial freedom and passive income is key, with extra time you can be free to think how to improve on a business like Ziet did, thats why Ziet didnt go to Singapore but encourage any of you who just want a stable life to work in Singapore. True story
Singaypore is where it’s at lah!
I think the career growth is much more matters for me to stay in SG. Some position like FP&A have more vacancies in SG than MY. and most of the MNC tried to setup shared service centre and move those job requires less skill to Malaysia
It's simple. Working in Singapore for 10 years = working in Malaysia for 30 years. It's really a no brainer.
** Hi FROM KL here ** More than anything msians need to be grateful for this useful information - BUT i need to point out with FACT - now 10K RM cannot stay KL .. family with 2 children and CAR struggling to save anything after expenses. SINGAPORE total paid fully monthly housing mortgage including utilities = SGD $288. (Other including phone and internet = full total about $640.)
Another factor is TAX rate.
As an above average salaried working adult, engineers/finance/accountant etc..
Malaysia: Earns RM8k per month. Whatever more than 8k, it is taxed at a staggering 25%.
SG: Similarly, earning 4k SGD per month, it is taxed at 7%
For me, as a young freshies sacrificing for the saving is super worth compared livin here in Malaysia. I have a dream to be Financially freedom early and to be realistic having 1 million before 30 in corporate is SG the only way. I been working for 3Y with above average salary IT but still the saving and buying power are not there. 🤣
Please dont come to Singapore. Its not worth it. We are so cramped here. You are packed like sardines everywhere you go. You pay more for what you earn....... Please stay and work in Malaysia. Malaysia Boleh!
Similar situation but I have worked In Australia for 15 years. Invested / saved and not have net worth of about RM5 million with some passive income . I also built up a good network and relationship in my industry and have obtained a job can work remotely. Planning to move back next year at age 42 while working remotely . even at a monthly salary of $AU5-6k post tax plus passive income that is more than enough to live comfortably in Malaysia. If I was to live in Malaysia and work I people never get these opportunities and savings . But it was not an easy path, lots of sacrifices and discipline was needed to get to where I am.
Aust tax is v high, rent.. how much is left. Sgd is higher than aud currently
Working in singapore and invest in US is the best thing for those who working in singapore since sgd is stable than myr to USD…….
Great video as usual! Singaporeans are blessed! (Provided not a car guy)
A Single vs Single, working in Singapore have slight edge .....but if you are married with kids then is another different story :)
Long story short, work hard in sg to maximise your saving then retire early in malaysia. Itll be a tough life but thats the sacrifice you gotta make. Good luck to everyone 🙏
Why you gotta do the thumbnail like that. 🤣
😂 cc my team
Bro is Chun Weng your biggest inspiration 🤣🤣🤣
chun weng is my idol
How can an Account Executive work in SG with so low salary? You wouldn't be qualify to get a Employment Pass. I think you should get more information before doing this video.
I earn around $3.1k/month, and it’s possible to get an Employment Pass, only if working for an SME with fewer than 10 employees (I managed to get one with my current salary, and I work in a role similar to the one mentioned in the video). This video seems to provide correct information in my opinion lol.
@@tinyelysium3706 EP (not Work Permit) with $3.1k salary? That interesting. www.mom.gov.sg/passes-and-permits/employment-pass/eligibility/compass-c1-salary-benchmarks
Somehow most of the Malaysian can get Employment Pass in Singapore with lower salary. However, not all have the luck and the requirement will be higher and higher.
Open secret that Malaysian applicants don’t need to fulfill the requirements. As long as gov approves then can get EP.
the reality is if my salary in Sg is 10k sgd, my salary in Malaysia with similar JD will be at least 20k ringgit
What’s there to compare.3x means retirement funds easy to attain b4 50
In this days and since the 80s....Malaysian are part of the building of Singapore....Spore need Malaysian workers even though theres others to choose. So dont play play ahh...
Yes, of course. No explanation needed 😂
Hey ziet can you do a video on opening an offshore bank accounts in Singapore for non residents? I’d like to open one to have a second storage for my savings
BTW is the income tax high in singapore
No, one of the lowest in the world. Google it.
Why Sarah needs to buy house in Singapore? In Singapore car is luxury whereas in Malaysia, car is necessity.
Do you mislead the CPF contribution about foreigners? All PRs have to contribute the CPF.
Sarawakians must contribute to CPF too
I do want to see video opinion about Malaysian working in Singapore!!!
Sinful dollar must be the culprit. 🎉
Ok boss, tomorrow I will submit application for Prime Minister in Singapore 😂😂😅😅 thanks me later
KWSP & EPF & Tax friend
Yes. Sin living is very stressful. Tks to the f...king pay n pay government.😅😅
Not happy can always leave. Want high pay jobs with no stress, where on earth can you find? Who’s life not stress?
@@Appleorange.1234😆No stress if you live off your parents.
But I heard that Singaporeans discriminate Malaysians coz right, to them, we are like Bangladeshi in Malaysians
no leh i like my malaysian colleagues LOL. I always see malaysian as equals to singaporeans. Somemore they always gimi travel tips and help me buy cheap stuff from malaysia 🤩
Am the only Malaysian in my department. My colleagues sees me as equal. You are measured based on merit.
Most Singaporeans go to Malaysia for holiday because of weak Currency. too bad
Not worth it! The health deteriorates more
> "Singapore food is equally good"
HERETIC!
🫣
🇸🇬 Generally speaking, higher value from Malaysian food.
SG (east) does have nice food, luckily
lol everything quoted from Reddit? the best place to get inverse sentiment
很简单。 赚新币花马币几爽几够力
If you are johorean maybe, otherwise KL and Penang heaps better. Focus on our local economy better
Short answer. Yes.
Your salary is already 3 times whatever you will earn in Malaysia.
Not to mention lower taxes, first world country, safe, and fun.
People all over the world flock to Singapore. Malaysians get to enjoy that by default.
The job market now in SG is worse compared to covid days, for Malaysia degree holders if you want career growth, just stay in KL😂 One more thing, you are more likely to be replaced or layoff, if your performance is average
Simgaporean dont pay rental bro. It is deducted via cpf/epf
Mesti la. Cina Malaysia masuk Singapore kerja ambil SGD. Making lama besa kepala.
Cina Singapore masuk Johor pump minya 95, bawak kerete BMW, Audi, Mercedes.