My Portfolio Oct25

Summary For October 2025

Portfolio @ End of Oct25

Following a decent September, my portfolio gained another 2% in October. However, YTD it's still in a loss of 4.4%.

Finally I sold all my MI shares after accompanying the company throughout its difficult year in 2022, when its share price plunged to RM1.00.

My paper loss in MI reached 50% at that point but I have a strong belief that it can bounce back.

Its share price staged a gradual recovery to RM2.60 in mid 2024, only to drop back to a low of RM1.40 in April 2025 due to the US tariff. 

After this, it went up more than 100% to above RM3.00 now, after a good quarter result and also boosted by AI euphoria in US stock market.

I sold MI because it almost reached my target price, and I felt that it rose too fast and might retreat significantly anytime soon.

After selling at RM2.89, I thought I have made a correct decision as after a few days, its share price fell heavily to RM2.70 on 17th Oct.

However, it rebounded strongly to RM3.20 and I think I don't have a chance to buy back now. Its upcoming quarter result is expected to be good.

Sunway Belfield vs Sunway Shares

 

In Sep 2020, when the world was still full of uncertainties due to Covid-19 pandemic, I decided to invest in a new property in KL.

This would be a much less ideal investment because I was not qualified to get 90% bank loan but in the end, I still decided to proceed as I like the whole package of this development so much.

It is located at KL city center, within walking distance to the upcoming Merdeka 118 precinct, close to monorail/MRT stations, freehold, built by renowned developer Sunway and selling at RM750 psf for its smallest unit. 

It appeared to be a "bargain" to me at least, compared to nearby Opus Residences & BBCC's Lucentia Residences which were well above RM1,500 psf. 

Now the project has achieved VP in Mac25 and I have collected the keys in Apr25. Do I regret my decision to invest in Sunway Belfield?

Digital Banks In Malaysia (Oct 2025)

 

Since Bank Negara gave out five digital bank licenses on April 2022, finally all 5 digital banks are all up and running now.

GX Bank, backed by its experienced shareholders, won the race to become Malaysia's first ever pure digital bank in Sep 2023, followed by Boost Bank in Jan 2024 and AEON Bank in May 2024.

KAF Digital Bank & Ryt Bank just recently joined the ranks in Aug 2025.

AEON Bank and KAF Digital Bank are Islamic digital banks while the others are not.

Lets see who are behind all these 5 digital banks.

Solar PV System: String Inverter vs Microinverters

In my previous post "How To Choose A Rooftop Solar PV System", I mentioned that the orientation of solar panels might significantly affect the power output of the whole solar PV system with a centralized string inverter.

Besides, solar panels facing west seem to produce more energy compared to solar panels facing south, which contradicts the fact that south-facing is the best orientation for an area located north of the equator.

Anyway, I'm not an expert in this field. I'll just share my layman observation here.

Firstly, even though my house is facing south, it's not 100% south, it's actually about 10-20 degrees to the south west direction. 

The west facing roof is thus slightly tilted toward the northwest direction.

I guesstimate that the roof angle is about 45 degrees which is almost the same for all directions.

I installed 10 solar panels with 3 microinverters:

• 4 panels with 1 microinverter facing south
• 3 panels with 1 microinverter facing west
• 3 panels with 1 microinverter facing west

There are fewer panels facing south because of space limitation on the south-facing roof.

There is a DTU (Data Transfer Unit) that transfers the data from the inverters to the app in my phone. From here I can check the energy & power output of each solar panels and the overall electricity generated in a day.

The DTU is connected to Wi-Fi and turned on 24/7.