Who I Am
Welcome to Lazy Cat Investor. I’m Luqman, the person behind this little corner of the internet.
I reached my first RM100,000 in investments in three years, at the age of 30. I didn’t start with a big inheritance, a six-figure salary, or some secret investment strategy. I started with just RM500, a regular job, and a willingness to learn.
I created this website to document my journey, share the lessons I’ve picked up along the way, and hopefully help others take their first steps towards financial independence.
You don’t need to be rich to start investing. You don’t need to spend every waking hour analysing stocks, either. Sometimes, all you need is a little patience, a sensible plan, and the discipline to stick with it.
Whether you’re starting with your first RM500 or looking for ways to improve an existing portfolio, I hope you’ll find something useful here.
Think of this as a place where we learn together, make mistakes, and get a little better along the way. No guru talk, no promises of overnight riches. Just an ordinary person trying to build a better financial future, one step at a time.
My Goals: Freedom, Not Riches
For me, the point of investing isn’t simply to accumulate as much money as possible. It’s about what that money can eventually give me: freedom over my time.
I want to reach a point where I can spend more time with the people I love, pursue my interests, and make life decisions without being completely dependent on a monthly salary.
My current target is to achieve financial independence by the age of 45, with enough investments to support my lifestyle of roughly RM50,000 a year.
That’s the goal I’m working towards. There will probably be adjustments along the way, because life rarely follows a perfect spreadsheet. But having a destination makes it easier to decide which direction to take.
I’m not trying to retire tomorrow, nor am I interested in sacrificing every bit of enjoyment today for a distant future. I’d rather find a balance: enjoy the present while steadily building a better tomorrow.
After all, what’s the point of financial freedom if we forget to live along the way?
How I Invest: A Cat With a Little Wild Side
Lazy Cat Investor promotes a simple idea: investing doesn’t have to be complicated to be effective.
But here’s a confession. My own portfolio hasn’t always been as lazy as the name suggests.
I’m interested in both growth and dividend investing. I like the idea of owning quality businesses that can grow over time, as well as investments that generate income along the way. At the same time, I enjoy searching for overlooked opportunities, particularly companies that have fallen out of favour but may have a chance to turn their businesses around.
Sometimes, that means looking where other investors aren’t looking. Of course, a beaten-down share price doesn’t automatically make a company a bargain. Some businesses recover; others never do. Learning to tell the difference is part of the journey.
My portfolio has also taken a more adventurous route than the typical lazy investor’s. At present, around 70% is allocated to higher-risk assets and 30% to lower-risk assets, with cryptocurrency making up a significant portion of my investments.
That isn’t necessarily the right approach for everyone. My allocation reflects my own circumstances, risk tolerance, and willingness to accept volatility. As my goals and circumstances change, my portfolio may change, too.
The idea behind Lazy Cat Investor isn’t that we should never take risks. It’s that we should understand why we’re taking them, avoid unnecessary complexity, and resist the urge to react to every market movement.
A cat can spend hours doing absolutely nothing, only to make a move at exactly the right moment. Perhaps there’s something investors can learn from that.
Everything I share here reflects my personal experience and opinions, not financial advice or a recommendation to buy or sell any investment. Investing involves risk, and cryptocurrency can be particularly volatile.
My Journey: From RM500 to RM100,000
My interest in investing began when I started my career at PETRONAS. Being exposed to the business world opened my eyes to how money, companies, and markets work. What started as curiosity gradually became a serious interest.
Like many beginners, I didn’t get everything right.
In my early days, I lost a couple of thousand ringgit buying hyped stocks, hoping their prices would rise quickly. I wanted to make money, but I hadn’t yet developed a proper process for deciding what was worth buying.
Looking back, I was more interested in the possibility of making a quick profit than understanding what I was investing in.
Those losses were frustrating, but they taught me an important lesson: buying something just because its price is going up isn’t an investment strategy.
I began spending more time learning about valuation, business fundamentals, and the importance of having a plan. I became more interested in value investing and the idea of buying assets at reasonable prices rather than simply chasing whatever was popular.
Eventually, I settled on a simple principle: getting rich quickly is difficult, but building wealth steadily is something ordinary people can work towards.
My own journey started with RM500. From there, I made a habit of investing around 20–25% of my salary each month. It wasn’t always comfortable, especially while supporting a family and managing the cost of living in the city. Every ringgit had other things it could be spent on.
But I kept going.
Three years later, I reached my first RM100,000 in investments at age 30.
It was a milestone worth celebrating, not because RM100,000 suddenly made me financially independent, but because it showed me what consistent saving, investing, and learning could achieve.
The journey also reminded me that the results don’t come from investing alone. How much we save, how consistently we invest, what returns we earn, and how well we manage risk all matter. My own results are a reflection of my circumstances and the market conditions during that period, not a promise of what others can expect.
If there’s one thing I’d tell my younger self, it would be this: don’t worry too much about finding the perfect investment when you’re starting out. Learn the basics, build the habit, and give yourself time to improve.
You can start small. You can make mistakes. You can learn as you go.
The important thing is to start.
Why Lazy Cat Investor?
I chose the name because it reflects the kind of investor I want to become.
Not someone who is constantly staring at charts, chasing every opportunity, or worrying about every market dip. Not someone who needs to make investing their entire life.
Just a calm, curious investor who knows what they’re working towards.
Of course, I’m still learning. There are times when I get things wrong, become too optimistic, or spend more time thinking about an investment than I probably should. I’m not immune to the same emotions that affect other investors.
That’s part of why I want to document this journey. I want a place to record my thinking, track my progress, and look back on my decisions — both the good ones and the bad ones.
I also hope that sharing what I learn will help someone else avoid a mistake, discover a useful idea, or finally feel confident enough to begin investing.
You don’t have to be the smartest person in the room. You don’t have to predict every market move. And you certainly don’t have to get rich overnight.
Sometimes, being a little more patient and a little less impulsive is enough to make a difference.
So, welcome to Lazy Cat Investor.
Let’s learn, invest, and grow — one step at a time. And remember, every journey begins with a single step.
— Luqman