First, let’s assume that you are paying your house loan, saving your FD and investing in Amanah Saham by writing the cheque from your current account.

Since the items in the list above will be recorded as credit in your bank statement, you can label them as “Outgoing Investment Cashflow” in your record keeping. I’m using plain old Excel sheet for this purpose.

Just also bear in mind dividend gains and capital gains that you made in the long run, not the paper gains, but real actual cash paid out to you by your investments, should be accurately recorded as “Incoming Investment Cashflow”.

Relatively, if you tried linking the activities above in business terms:

When you “buy” FD and Amanah Saham, it’s known as investing cash outflows.

When you “sell” FD and Amanah Saham, it’s known as investing cash inflows.

When you pay your home loan, which is an act of financing, it’s known as financing cash outflow.

Similiarly, when you dispose off your home and made some gains out of it, or simply by renting it out, the monetary proceeds is considered as financing cash inflow.

In fact, I would suggest to use the terms you are most comfortable with, since this is your own personal cash flow system, but sticking to something more generic would be helpful for clarity’s sake. There’s really no hard and fast rule here. Just keep it simple and most importantly easy for you to update.