🇲🇾 Malaysian!
It’s December, and your last chance to optimise your tax relief before LHDN farms you instead of the other way around.
If you want to keep more of your money in 2026, read this 👇
🔹 Lifestyle (RM2,500)
Books, internet, gadgets, digital subs (yes, ChatGPT), online courses
➡️ Easiest relief to max
🔹 Sports/Gym (RM500)
Gym fees, sports gear
➡️ Free gains + tax gains
🔹 PRS (RM3,000)
Full deduction + long-term compounding
➡️ Underrated W
🔹 EPF + Life Insurance (RM7,000)
EPF relief caps at RM4k
➡️ Remaining RM3k = life insurance only (term plans = best value)
🔹 Medical Insuranc