Paiseh paiseh - those Personal Money articles and interviews, just like 3 or so small articles only lar.

Dude, i'd rather spend my time and effort TEACHING / COACHING U how to "fish" than just be your agent. I'm not into Public Mutual as a sales agent but more of lowering costs + access to data , + of course some expenses write-off for tax purposes heheh.

Perhaps we can meet up one day (Sat preferred) and go through your options/ideas and solidify your map to the future. PM me, perhaps we can setup a "gang bang" with im_not_stupid too. I'm a "lazy" fler - best to share info and ideas as a group, thus i also can learn from a few view points at the same time

BTW, trust me - by now, U'd have about 80% knowledge of what most typical sales agent knows about investment. Sitting for the agent exam is sup sup water.

Trust me (i've nothing to gain by lying right? follow the $ ) - even 2 of my friends, who are blur blur (started), they sat and finished the exam within 45 minutes out of 1 or 2 hours! It's really really easy, the only "hard" part for an avid investor are some Qs that are about how and what a mutual fund, trustee, customer, SC, etc. is about - all about the structure, rules and history of mutual funds in Malaysia.

Whooops! I'm assuming U guys are in Klang Valley - if you're like up north or down south.. heheh sorry ar. I'm living in SJ thus susah a bit to go up north or down south.

2 options
one to use TwinVest (google it - it's from a book) which uses the allocated funds + unused funds to buy at 25% of periodical allocated DCA & VCA ranges from 0% to more than 100% of periodical allocated
see attached pix

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OR
U run 2 spreadsheets and do your own calculations and apportionments
eg. 50% of your period's allocation to DCA and 0% to XXX% to VCA (including unused funds)
Bro, your mind must flow like water. Thus, small at first but eventually can build up to a deluge of water, breaking even dams (think TSUNAMI) Needn't high iq - cow sense cukup.