Monday, 15 September 2025

Solar PV System (NEM 3.0) under New Electricity Tariff

 

From 1st of Jul 2025 onward, TNB has introduced new electricity tariff which divides the charges into 3 categories:

  • Generation charges: Energy Charge, Automatic Fuel Adjustment (AFA) and Capacity Charge
  • Network charge: cost of delivering electricity
  • Retail charge: cost of billing & customer service

This new structure will be unfair to households with solar PV system under NEM if the solar electricity only can offset the energy charge, as the capacity and network charges are relatively high.

Nevertheless, in the end, fortunately all those charges can be offset one to one.


Wednesday, 10 September 2025

New Blog Title: BD's Road To Financial Freedom

 


Recently my Facebook page for this blog has been blocked due to infringement of rights of Bursa Malaysia.

Although there was a chance to appeal, I decided not to do so since I was not active in FB page anyway. That FB page just provides links to this blog.

Sooner or later, I think I might get the same warning from Blogger so I'd better change the blog's name first.

I'm not sure what kind of infringement I got reported for. Is it the "old" Bursa logo, the word "Bursa" in the blog name, or my blog contents?

If my blog suddenly disappear or becomes not accessible, then you should know what happens.


Sunday, 7 September 2025

My Portfolio Aug25

 Summary of August 2025




Portfolio @ End of Aug25











Even though KLCI soared 4% in Aug25, my portfolio only gained a little at 1.1%. 

Most stocks in my portfolio suffered loss in the month, but MI & TMCLife manage to register decent gain at 15% & 10% respectively.

There was no buy transaction in this month but I decided to dispose all my TAS shares. 

Perhaps I should have sold all my TAS shares much earlier but overall this investment still brings in 18% gain.


Tuesday, 5 August 2025

My Portfolio Jul25

 Summary of July 2025













Portfolio @ End of  Jul25













Due to the uncertainties surrounding US tariff, KLCI dropped 1.3% in the month of July.

My portfolio suffered 1.6% loss bringing the YTD loss to 10.6%.

However, there was a significant dividend of 19sen by KFIMA ex-ed on 31/7 and I did not include this dividend into my monthly & YTD gain/loss calculation since I have not received it yet.

If this dividend were to be included, the actual loss of my portfolio in the month of July is 0.15%.

Anyway, if compared to US indices YTD, my portfolio performs badly.