I really want to share here....

15-17% p.a return...
Time period 5-7 years.
Update frequently.
Low risk.
Big capital.
Might double you capital in 7 years.

Interested fellow please to ask me.

Dear all dai lou, my friend particular as follows:

working in MNC,
monthly salary net 4.5k,
bonus net 19k,
house commitment 2.4k/4 name,
shop commitment 3k/3 name with rental income supported
car loan installment per mth 660
cash on call 40k, installment 1.2k per mth (is this wil goes to ccris report?)

am i stil eligible for 250k financing for shop lot?

Pink Spider,

While past performance is a poor predictor of future returns, there are other factors that we can use to increase our odds of finding a good fund (Such as lower standard variation, high sharpe ratio, low  frequent stocks trade, and stock-picking skills). As we’ve already seen, yesterday’s winners often become tomorrow’s losers. But researchers have shown that one thing is almost certain: Yesterday’s losers almost never become tomorrow’s winners.

And what's your problem with saying my calculation is flawed? Are you a human being who like to say error or mistake in other untactful? The idea to share knowledge to us in forum is for us to benefit everyone in picking some of the top fund - be it OSK Kidsave Trust, Areqa Fund or Kenanga Fund series.

FUND PERFORMANCE (BID TO BID CUMULATIVE RETURNS)for Kenanga Growth Fund:

2 years: 52.3 = 26.2

3 years: 89.8 = 29.9

5 years: 81.9 = 16.38

10 years: 244.1 = 24.41

Average roughly around 24.2.
Kenanga fund buys planters, consumer stocks
Malaysia’s best-performing fund in the past year is buying consumer and plantation stocks that are benefiting from government efforts to bolster domestic growth and a rally in palm oil prices.

Kenanga Growth Fund, with assets of RM59 million (US$19 million) as of March 31, favors companies including Dutch Lady Milk Industries Bhd and Nestle (Malaysia) Bhd, Chen Fan Fai, investment director at Kenanga Investors Bhd, said in an interview in Kuala Lumpur on April 23. The fund beat 370 other Malaysian equity mutual funds in the past year with an 18 percent return, according to data compiled by Bloomberg. Dutch Lady has doubled in the past year, outpacing the FTSE Bursa Malaysia KLCI Index’s 3.9 percent gain.

Gauges of consumer and plantation stocks are the best performers of 10 industry groups on the Malaysian bourse in the past year on optimism Prime Minister Datuk Seri Najib Razak’s 2012 budget plan to distribute cash to low-income families, raise wages for civil servants and boost spending on transportation will bolster growth and consumption. Palm-oil futures have surged 9.2 percent this year and hit a 13-month high on April 10.

“Consumer stocks have done well because they are more resilient in any downturn and the government’s drive to boost income levels will also be positive for consumption,” Chen said. “We have always liked plantation stocks because demand for crude palm oil is ever on the rise.”

The Kenanga Growth Fund beat 97 percent of its peers in the past three years and 98 percent of them over five years, according to data compiled by Bloomberg. It was named Malaysia’s best equity fund in 2011 by Morningstar Inc. Chen said he’s willing to buy stocks even before an election that Najib may call as early as June, according to four government officials who spoke on condition of anonymity last month.

Concern a poor election result for Najib would disrupt the government’s spending plans has limited the KLCI index’s gain to 3.4 percent this year, the second-worst performance among Asia- Pacific benchmark indexes after Sri Lanka, according to data compiled by Bloomberg. The MSCI Emerging-Markets Index has risen 10 percent in 2012.

Investors will probably be wary of the stock market before the polls, Tan Ting Min, an analyst at the Malaysian unit of Credit Suisse Group AG, wrote in a report dated March 7.

“Investors don’t like uncertainties,” said Kenanga’s Chen. “Uncertainties can be positive or negative. The outcome is not certain so nobody knows which way it’s going to go. We take a view that there is not going to be a change in the government.”

Gains by Malaysian consumer stocks pushed valuations relative to the Bloomberg World Consumer Non Cyclical Index to a four-month high on April 13. The Bursa Malaysia Consumer Index of 136 stocks, which includes carmakers Tan Chong Motor Holdings Bhd. and Proton Holdings Bhd, has rallied 11 percent in the past 12 months, outpacing a 3.9 percent gain in the KLCI index. The Selangor state-based Nestle Malaysia, the local unit of the world’s biggest food company, has advanced 16 percent.

“We focus more on consumption,” Chen said. “Sector-wise, that’s probably our biggest bet.”

Southeast Asia’s third-biggest economy may expand 4.2 percent in 2012 on domestic demand, thanks to increased private investment and state spending, the Malaysian Institute of Economic Research, a partly government-funded institute, said in a statement on April 17. The body earlier estimated 3.7 percent growth. This is in line with the central bank’s revised forecast of 4 percent to 5 percent on March 22.

Najib unveiled economic and government transformation plans in 2010 and identified $444 billion of private sector-led projects this decade to bolster growth and achieve high-income status by 2020.

The Bursa Malaysia Plantation Index of 43 members including IOI Corp and Kuala Lumpur Kepong Bhd has surged 15 percent in the past year. The plantation measure trades at 13.9 times estimated profit, compared with a record-low 6.25 times in October 2008, weekly data compiled by Bloomberg shows.

Palm oil will advance to RM3,800 a metric ton in Kuala Lumpur by Dec. 31, the highest level since February 2011, according to the median of 11 analyst and trader estimates compiled by Bloomberg. Palm oil futures fell as much as 0.8 percent to RM3,448 a metric ton yesterday.

“Palm oil prices have been firmer than expected,” Chen said. “The offshoot of this will be higher income for families in the rural area who are involved in agriculture. This will also give a boost to consumption.” -- Bloomberg
Read more: Kenanga fund buys planters, consumer stocks http://www.btimes.com.my/articles/20120425.../#ixzz1zlg7CVXN

first thing first, every investments (gold, trusts, reits, shares, bonds, properties) have their own risks one ..... just have to select which more suited to urself (risks taking) well i i were you got consistent 1.2k of cash after all commintment be it car or property or daily usage ..... i will spare 6 months of my monthly expenses (must used fund) other than that put it on the type of your choice .....  i will choose put in reits...... consistent divvy but only the price is volatile, more for buy and forget type of investments no need monitor ........

didnt read anything yet...

 

    stocks a bit a bit lo...

but no insider tips for half a year  edi...

teach??

some people say... invest to learn lulz

Thanks bro for your explanation. For the last part of your sentence, you mention if someone go for FD is because they have good management in controlling outflow and inflow of cash?

Yes, I didn't do any study regarding investment which leads me to loss I think but I kinda feel boring reading all those stuff but maybe will change mind in the future.

Anyway, any advice for me? Actually I missed out one more expenses. Phone installment for gf cost rm 85 and installment for medical card cost rm 50 a month. Can help me recaculate and what I should do now with existing FD

Thanks!!

i was thinking abount withdrawing the epf to pay for the next house as downpayment and use the rental to cover the monthly installment

So a 24 year old should have approximately 20 000 min in savings. That's relatively lower than the nation average. I guess most people are in loan debt.

I have 15K at the age of 21. I earned a single penny depend on my selves. Families not giving me anymore single cent to spend. and I'm not staying with family, I leave my hometown at the age of 17 year old and went to big city alone //

well,
i am just doing part time job currently...
I plan to buy unit trust from public bank with a start up of 5k n then top up rm100 every month....
i am 22 this year and have a loan of 48k from ptptn....
i hope to increase the top up when i working in the future...
anyone think that tis investment is good??thanks

I am 32 years old, still noob and need your help. Here's my summary of my earning and deduction:

Salary: 2800 (after deduct EPF + Sosco)

Internet: 88
Utilities - RM100 (Electricity + water)
Apartment maintainance fees - RM150 ( I usually paid in advance quarterly coz I hate go every month pay)
Petrol: 150
Phone credit: Digi Prepaid balance RM650+, super long talk time.. I think cannot finish credit, I seldom reload..
Food: 400
Car loan: No (settle) - BLM
House loan : No (settle) - Living in Condo
Education loan: No (settle)- PTPTN
Credit Card: No
Personal loan: No

Basically I just spend RM800+ a month, sometimes work OT got a bit more money ok to pay the Indah water, miscellaneous bill, dunno wat bill wat bill, bill come I just go settle them..

Net savings per month: RM 2000 / I just make it easy count, I dump in extra RM1K into savings making it RM25K per year.

Rough calculation today I have around RM150K cash in FD, Sukuk, etc.. use the intrest go holiday jln jln around RM3K per year

I take old ppl advise practise - "AFISH". I do not like risk, no investment. Money must be protected by PIDM up to RM200K.

A - ASN, Wawasan 2020, Sukuk, etc
F - FD
I - Insurance
S - Shares (Dare not buy)
H - House (Done)
Can I retire at 50 years old?

I read about this
http://budgeting.about.com/od/Why_Budget/a...Millionaire.htm
If You Save: $2000 per month

You'll Be a Millionaire In: 19 years and 7 months.

14k for car downpayment??

Why do people equate eating cheap with starving? I don't understand.

I eat cheap but I definitely eat healthy.  In fact every day I have vegetables and protein in my diet.  I also eat high fibre bread and have fruits every other day.  The only difference : I cook.

My monthly food bill for 2 is less than RM450. My daughter takes food like tuna sandwiches, egg sandwiches, roast chicken sandwiches and even sushi to school. All homemade, healthy and cheap.