KWSP (EPF) Total
RM746,035
≈ S$241,417 at 0.3236
HLB Bank Accounts
RM219,100
≈ S$70,901 · 2 Sep 2026
Hong Leong FDs
RM395,000
≈ S$127,822 · 8 receipts (5 matured & not rolled over)
CIMB Malaysia (all sub-accounts)
≈ S$76,265
CA + PSA-i + FCA USD + 2 USD FDs
Malaysia Total (known)
S$516,405
EPF S$241,417 + HLB FD S$127,822 + HLB Bank S$70,901 + CIMB S$76,265
How this page works: Send screenshots of any Malaysia bank statement, fixed deposit certificate, or KWSP update and they will be consolidated here. Each account appears as its own card below with the source document date, so you can track when each figure was last confirmed.
KWSP (EPF) — Confirmed 18 Jun 2026
| Account | Opening Balance (RM) | 2026 Contributions (RM) | Total (RM) |
|---|---|---|---|
| Akaun Emas (Gold Account) | 106,105.20 | +100,000.00 | 206,105.20 |
| Akaun 55 (transferred post-age-55) | 539,930.12 | 0.00 | 539,930.12 |
Total KWSP SavingsRM746,035.32 ≈ S$241,417.03
Member No. 18784538 · 2026 contributions to date: RM10,000 (Mar) + RM50,000 (Apr) + RM40,000 (May) = RM100,000, all self-contributed via i-Simpan, no employer portion on record. 2026 dividend not yet declared. Source: KWSP myEPF statement dated 18/06/2026.
KWSP Account Split
Akaun Emas vs Akaun 55
2026 Contribution Timeline
Self-contributed via i-Simpan
Hong Leong Bank — Bank Accounts, as at 2 Sep 2026
| Account Name | Account No. | Currency | Balance | SGD Equiv. |
|---|---|---|---|---|
| Hong Leong Savings | •••• 4049-6 | MYR | 85.91 | S$27.80 |
| Hong Leong Savings | •••• 5698-8 | MYR | 26,192.25 | S$8,477.61 |
| Pay&Save Account | •••• 6504-0 | MYR | 192,822.32 | S$62,389.06 |
| AUD Current Account | •••• 0459-6 | AUD | 0.00 | — |
| EUR Current Account | •••• 0073-2 | EUR | 0.00 | — |
| SGD Current Account | •••• 4156-5 | SGD | 0.00 | — |
| USD Current Account | •••• 0397-6 | USD | 0.00 | — |
Total Equivalent BalanceMYR219,100.48 ≈ S$70,900.72
💡 Why the Pay&Save balance jumped: 5 fixed deposits matured in August (RM250,000 principal + ~RM6,893 interest) and landed here. This is the deliberate "fresh funds" workaround: HLB requires new money (not a straight rollover) to open a fresh FD, so maturity proceeds get routed out to CIMB Malaysia and back in as "new" funds before re-placing. The 1 Sep RM95,000 self-transfer to CIMB (and the RM50,000 that came back to fund receipt 004-68-18811-1) is exactly this cycle in action. Remaining un-recycled proceeds are a candidate for your upcoming optimization review.
Source: HLB Connect portal screenshots + CASATran CSV exports · 2 Sep 2026 · Zero-balance accounts shown for completeness
Recent Expenses & Transfers
| Date | Description | Amount | Account | Method |
|---|---|---|---|---|
| 1 Sep 2026 | Self-transfer to CIMB Malaysia CA | − MYR 95,000.00 | Pay&Save •••• 6504-0 | DuitNow — matches the CIMB CA's RM95,000 inbound same day |
| 1 Sep 2026 | Transfer, "Chloe mum products" pass-through | − MYR 1,104.00 | Pay&Save •••• 6504-0 | DuitNow — matches CIMB CA activity same day |
| 1 Sep 2026 | Transfer to Choo C King | − MYR 1,300.00 | Pay&Save •••• 6504-0 | DuitNow |
| 14 Aug 2026 | Health supplements — Chiong Kung Leng (Maybank ****8016) | − MYR 1,556.00 | Hong Leong Savings •••• 5698-8 | DuitNow transfer · Ref 20260814HLBBMYKL010ORM72021145 |
| 7 Aug 2026 | Credit Card payment (Savings-linked) | − MYR 2,307.48 | Hong Leong Savings •••• 5698-8 | Internet banking |
| 2 Sep 2026 | Credit Card payment (Pay&Save-linked) | − MYR 672.08 | Pay&Save •••• 6504-0 | Internet banking |
| 2 Aug 2026 | Inbound "HLA interest" from Tan Teik Kwan | + MYR 800.00 | Hong Leong Savings •••• 5698-8 | DuitNow — possible Hong Leong Assurance-related credit via a relative's account |
| Recurring, Aug 2026 | DuitNow QR (groceries, F&B, phone top-up) — ~15+ small charges | − MYR 10 to − MYR 160 each | Pay&Save •••• 6504-0 | QR payment, everyday spending |
| 29 Aug 2026 | Harvey Norman, Ipoh Parade | − MYR 2,456.00 | Credit card | Retail purchase |
| 28 Aug 2026 | ATM Cash withdrawal | − MYR 500.00 | Pay&Save •••• 6504-0 | ATM |
Source: HLB CASATran CSV exports (Savings •••• 5698-8 and Pay&Save •••• 6504-0) + Credit Card statement screenshot, 2 Sep 2026. Fully reflected in the Bank Accounts balances above.
Hong Leong Bank — Fixed Deposits, as at 2 Sep 2026
| Receipt No. | Principal (MYR) | Tenure | Placed | Matures | Rate | Interest (MYR) |
|---|---|---|---|---|---|---|
| 004-68-17972-7 | 45,000.00 | 8 months | 04 Jan 2026 | 04 Sep 2026 | 3.70% | 1,110.00 |
| 004-68-18012-3 | 50,000.00 | 8 months | 11 Jan 2026 | 11 Sep 2026 | 3.70% | 1,233.33 |
| 004-68-18155-9 | 50,000.00 | 12 months | 06 Feb 2026 | 06 Feb 2027 | 3.65% | 1,825.00 |
| 004-68-18575-9 | 50,000.00 | 6 months | 12 Jun 2026 | 12 Dec 2026 | 3.65% | 912.50 |
| 004-68-18687-5 | 50,000.00 | 7 months | 28 Jul 2026 | 28 Feb 2027 | 3.70% | 1,079.17 |
| 004-68-18715-8 | 50,000.00 | 6 months | 05 Aug 2026 | 05 Feb 2027 | 3.60% | 900.00 |
| 004-68-18745-6 | 50,000.00 | 6 months | 15 Aug 2026 | 15 Feb 2027 | 3.60% | 900.00 |
| 004-68-18811-1 | 50,000.00 | 6 months | 01 Sep 2026 | 01 Mar 2027 | 3.70% | 925.00 |
Total FD PrincipalRM395,000.00 ≈ S$127,822.00
Total Interest (current placements)RM8,885.00 ≈ S$2,875.30
↻ 5 receipts matured in August, recycled via the CIMB "fresh funds" round-trip: 004-68-17764-3, -17765-3, -17767-3, -17781-0, and -17929-4 (RM250,000 principal + ~RM6,893 interest) matured 18–23 Aug 2026. Per Prof's standing process, maturity proceeds are transferred out to CIMB Malaysia and back in as "fresh funds" before re-placing, since HLB requires new money rather than a straight rollover to open a new FD. Only 004-68-18811-1 (RM50,000, placed 1 Sep) has been re-placed so far — the remaining ~RM200,000+interest is still mid-cycle and worth tracking through to its next placement.
⚠ Maturity Alert (remaining ladder): RM95,000 matures in September 2026 across 2 receipts. Then RM50,000 in Dec 2026, RM200,000 in Feb 2027, and RM50,000 in Mar 2027.
Source: HLB Connect e-FD listing screenshot, 2 Sep 2026, cross-checked against CASATran CSV maturity/principal-transfer entries. Interest figures are simple-interest estimates (principal × rate × tenure/12) — actual bank-credited interest may use exact day-count; verify against your e-FD certificate.
Fixed Deposit Ladder — Days to Maturity
Live countdown, computed on page load from today's date · sorted by nearest maturity first
| Receipt No. | Principal (MYR) | Rate | Matures | Days to Maturity |
|---|
CIMB Malaysia — Current Account (CA) · distinct from CIMB Singapore on singapore.html
Transaction history uploaded 2 Sep 2026 · 10 Jun–1 Sep 2026 · account number not shown in this export · kept deliberately separate from the CIMB Clicks Singapore account
💡 Function identified: this account is the FPX funding conduit for the Hong Leong Bank FD ladder above. The pattern repeats throughout: a DuitNow transfer in (self, "TAN TEIK KHEONG") lands here, then an immediate FPX payment out to "HONG LEONG CONNECT EFD" opens a new fixed deposit — visible ties to the 12 Jun (•••• 8575-9), 28 Jul (•••• 8687-5), 5 Aug (•••• 8715-8), and 15 Aug (•••• 8745-6) placements already tracked above.
Balance
RM45,957.14
as at 1 Sep 2026
Sitting Uninvested
⚠ Flag
Large balance not yet placed into an FD as of this export
| Date | Activity | Amount | Note |
|---|---|---|---|
| 12 Jun | Self-transfer in, then FPX out to Hong Leong EFD | RM50,000.00 round-trip | Funds new FD •••• 8575-9 |
| 28 Jul | Self-transfer in, then FPX out to Hong Leong EFD | RM50,000.00 round-trip | Funds new FD •••• 8687-5 |
| 5 Aug | Self-transfer in, then FPX out to Hong Leong EFD | RM50,000.00 round-trip | Funds new FD •••• 8715-8 |
| 15 Aug | Self-transfer in, then FPX out to Hong Leong EFD | RM50,000.00 round-trip | Funds new FD •••• 8745-6 |
| 1 Sep | Self-transfer in RM95,000, then FPX out RM50,000 to Hong Leong EFD | RM45,957.14 left over | New FD placement not yet visible in the FD ladder above — the remaining RM45,957.14 has not been placed anywhere as of this export |
| various | DuitNow to CHAN SWEE LAI ("Chloe mum products") | -RM1,104.00 | Offset same-day by a matching RM1,104.00 inbound — net zero |
| 2 Aug | DuitNow to CHOO CHOOI SHIN ("phone purchase") | -RM549.00 | One-off |
| various | MyDebit purchases (Johor Bahru), ATM withdrawals, maintenance fee | -RM2 to -RM250 each | Small, routine |
Source: CIMBClicks_Trx_History.csv (Malaysia account, MYR), uploaded 2 Sep 2026. Balance reconstructed and verified transaction-by-transaction from the file's reverse-chronological order. This account is the deliberate "fresh funds" conduit: HLB requires new money (not a straight rollover) to open a new FD, so maturity proceeds get routed here and back as "fresh funds" before re-placing. The RM45,957.14 sitting here (1 Sep 2026) is mid-cycle, likely awaiting its next FD placement back at HLB.
CIMB Malaysia — PSA-i (Islamic Savings)
Account •••• 4068 · CIMB Clicks screenshot + transaction history, as at 2 Sep 2026 10:09:35pm · PIDM-protected up to RM250,000
Current / Available Balance
RM466.99
≈ S$151.12 · as at 2 Sep 2026
| Activity | Amount | Frequency |
|---|---|---|
| Credit Profit/Hibah (Islamic profit distribution) | +RM0.09 to +RM0.10 | Monthly |
| Transfer in from CA (test transfer) | +RM20.00 | Seen once (1 Jul) |
Source: CIMBClicks_Trx_History.csv (PSA-i) + CIMB Clicks screenshots, uploaded 2 Sep 2026. Low-activity Islamic savings account, linked to the CIMB Malaysia CA above (reconciled: the CA's "test" transfer out matches this account's transfer in).
CIMB Malaysia — FCA USD (Foreign Currency Account)
Account •••• 4140 · CIMB Clicks screenshot + transaction history, as at 2 Sep 2026
Balance
USD 876.91
≈ MYR 3,479.93 (CIMB's own rate) · ≈ S$1,118.24 at 1.2752
| Activity | Amount | Frequency |
|---|---|---|
| Half-Yearly Charge - FCY | -USD 10.00 | Semi-annual (seen 30 Jun) |
Source: CIMBClicks_Trx_History.csv (FCA USD) + CIMB Clicks screenshot, uploaded 2 Sep 2026. Low-activity USD holding account.
CIMB Malaysia — USD Fixed Deposits (FCFD 360)
2 accounts · CIMB Clicks screenshots, as at 2 Sep 2026 · PIDM-protected up to RM250,000 each · Source of placement: CIMB Clicks
| Account | Principal | Accrued Interest | Rate | Tenure | Maturity |
|---|---|---|---|---|---|
| FCFD 360 — •••• 0004 | USD 21,062.48 | USD 588.81 | 3.70% p.a. | 12 months | 04 Dec 2026 |
| FCFD 360 — •••• 0005 | USD 25,411.41 | USD 85.76 | 4.05% p.a. | 6 months | 03 Feb 2027 |
| Combined Principal | USD 46,473.89 | USD 674.57 accrued | |||
Combined (principal + accrued)≈ MYR184,426.99 (CIMB's own rate) · ≈ S$60,123.72 at 1.2752
Source: CIMB Clicks "Fixed Deposits / FD-i / Term Investment Account-i" screenshots, as at 2 Sep 2026 10:11–10:14pm. Both under customer name Tan Teik Kheong. Two separate USD FCFD 360 placements, staggered maturities (Dec 2026, Feb 2027) at different rates.