BTW, why so shy to share here ar if it's a good investment? At least the gist or structure of it lar if too convoluted to go into details. I'm sure if it's worthwhile, lots of interested parties 

Heheh - sounds WAY TOO COMPLICATED for a simple investor like me.
My momma told me not to invest in things which cannot be explained to a child or a baka like me, else i wouldn't understand and be able to manage & track them.

i dont think he interested. lol
Correct me if i am wrong 

Agreed - never invest in something you do not fully understand or "too difficult to understand". You are just so polite as usual to avoid telling him off. I am sure you are smart enough or have sufficient financial knowledge to understand the salient points of va1kyr13's "financial product" (most consumer financial products offered in M'sia are not that complicated).

Anyway, va1kyr13's original post: "Well if anyone here got RM35,000 (sound to much huh?!) to spend in investing, would you be interested if i said you can get 15% - 19% return (sound to good to be true huh?!) annually for 4 - 7 years of investing?" When I read the paragraph, RED FLAGS appear immediately - call it instinct or whatever...

15% p.a? or 5 - 7 years return is 15%?

RED FLAGS mean "a warning signal" - source: http://www.merriam-webster.com/dictionary/red%20flag
- it's a natural instinct (15%-19% p.a. returns will involve significant RISKS) since I have seen/read enough with more than 20+ years in the financial/academic (lecturing in finance) industry. Kindly note that I did not say it is not achievable but the RISKS have to be known/evaluated

All I ask for is more information...like what Wongmunkeong did. I just wanted to help out fellow forumers to understand the RISKS, instead of just focusing on the returns. Understanding the RISKS is as important as knowing the potential returns... A lot of investors only look at the upside without evaluating/knowing the downside (some do not even bother or too lazy to assess/know the risks involved).

You do realise you are in a wolf's den here. Actually trying to convince people in this particular thread about supposedly too good to be true investments will get you eaten alive. 

Please don't bother wasting your time and go troll somewhere else.

Dear  Mr. Wong, All sifu,

My wife and I are 30 now, just married early of this year, maybe will planning to get child after 1 year, here is my financial status:

our montly net income: RM3800 (me)
                             RM2600 (wife)
side income          : RM300 (minimum)

joint expenses: car loan (mine: RM780/month until DEC2013, wife: loan settled)
                       house laon RM750 (still owe RM200k, bank value RM280k)
                       petrol, tol RM400
                       food RM700
                       phone bill, internet: RM200
                       electril bill : RM60
                       water bill: free
                       ptptn (me): RM66 (only pay for interest, still owe RM30k)
                       others (family, grocessories): RM600

Our company do provide medical card, so we not yet buy any insurance.

FD                 : RM10k
saving account: RM25k

EPF : RM72k (me)
         RM37k (wife)

I am in the dilemma on the below situation, so i am looking for your valuable idea:

1) we are thinking of withdraw EPF account 2  for investment (RM30k, we are still entitled to withdraw the money because previously we never withdraw the EPF money and our 1st house S&P still within 3 years ), (mostly invest on 2nd house, ASW, business or others, any idea?), Is this decision OK? or just leave the money inside the EPF

2) my house laon is semi flexi loan (now interest is 4.2%, lock in period left 6 months, should i top up the loan for investment or change to flexi loan and top up?)

3) If you were me, what would you do with my current financial status?

Thanks in advance

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Added on April 10, 2012, 1:55 pm
Good lord.. stop BS-ing here will ya.
Share the info in detail or stop BS-ing.

BTW, since U are so confident about this program, how much have U personally invested in it?
How much $ and how much % of your net worth?
How much loan did U take out at what %pa interest to make even more $ from this program?

let me guess.. its Chistmas Island???