Hmm..i did write it be4 i said this statement. Its in page 5.....hehe...
http://forum.lowyat.net/index.php?showtopic=200069&st=80

Its the TIME.....

Anyway....my story...
me, not much knowledge in investment and also dun dare to buy any investment.
But...i did buy 1 share, YTL WB at 92cents for the fun of it.....and it went down to 60cents within a month!...so oredi lost RM320 but i didnt sell and didnt bothered to look at it for a year coz disappointed at my stupidity or so i tot! after a year...when i finally look at my shares, it went up to 1.20! meaning made profit of RM280....which is around than 30% profit for 1 year if i sell..which i did!

My fren.....who bought unit trust at RM5000......and kept topping up every month.....couldnt even get wat i got for less than 1k in a year's time....and worst thing is, his unit trust kept depreciating in value and its taking its own sweet time to climb.......

the morale of my story.....
eventho MF seemed less risky, the time for it to go up n down is taking like foreva! Whereelse Shares, if chosen properly, even if go down, will go up again with lotsa patience....at a faster pace. So to me, MF is risky and costly. Shares.....seemed risky, but actually is not. Coz the TIME i use to get back my money, i could have use the profit to top up more instead of my own money! Btw...Unit Trust also invest in shares ma....i believe u know how to do the cal, else u wont be investing in shares in the 1st place?

hehe...sorry if i m wrong...just my point of view....me not good investor...chicken

This post has been edited by mIssfROGY: Oct 12 2005, 03:08 AM

MF prices don't change as much as shares over short periods of time. MF = low volatility, shares = high volatility. The thing is, how do you choose your shares properly? You can never be sure it will go up bcos no one can predict the future. Some companies' stocks have been in the doldrums for years. Time doesn't always heal all wounds. If you want to avoid this and start buying all the blue chip companies, then your portfolio will start looking like a MF.. low gain.

In my opinion, the market now is rather too high to be investing in equity mutual funds. Except for smallcaps, which are at a bargain value now.

MF also invest in shares and other comp wat...how do they choose? They cant predict the future too even if they r pro financial planners...just tat they invest in alot of areas so the risk of losing everything is near to nil
Blue Chip.....buy when its low la....not when its sky high...me not toking about blue chips ler...
there r ways to cal whether a share has potentials or not....but then again...any shares can just collapse and no more listed in the bursa the next day...this is the risk u gotto take Loooo...Me still prefer shares coz i take control

Diversify = Di"worse"sify

Robert Kiyosaki

Hi,

Just want to ask anyone of you here trade in the Futures market? Be it FKLI, FCPO or FKB3 ?

Thanks

yeah, i agree, if don't know how to do it, it will become Di"worse"sify

Ok ... Erm, wut's blue chip stocks?

Another 2 questions, what's future and options trading?

*Will google it later but hope can get some info here

Blue Chips ahh...macam telekom, genting, BAT.....

Yeah, all these jargons very confusing. Blue chips, small caps, hedge fund, EMAS????

http://en.wikipedia.org/wiki/Blue_Chip

Thanks

Hi,


Future and options are derivative from an underlying.
For more info about its components visit this good site Investopedia

Great info there, maybe you can check out the following site for more info on derivatives product offered in Msia:
http://www.mdex.com.my/

Hi ... I am thinking of applying for this service

http://www.hsbc.co.uk/1/2/personal/savings...gs/deposit-bond

Will drop down to the brach to ask about it, in the mean time, hopefully I can hear other opinions as well... (risk, return, worthy or not and etc...)

Thanks

Is this available in M'sia? minimum deposit of 2000 pound is a lot.

Erm, I don't think it's available in Malaysia...

The type of risks involved is not really stated there, so I'll pop by the main branch in town next week to ask about the details

B4 u think abt investment,

1. do u have 'safety net'? i.e. 3-6 mths salary ?
2. do u have enuf insurance? if u injured/sick/disabled then how?
3. when do u need back the money? 1 yr? 5 yr?
4. can u take risk? if ur investment losing $$, can you still eat and sleep?

p.s. FD, EPF not investment. More like savings. Investment means got more risk i.e. all your $$ can be lost,but higher returnslar.

While you guys thinking about investing, why not you guys take all of your money and put in asb (for bumiputra) asw (For non bumi). While you all slacking off thinking which path lead to success or failure, without u all realizing it already 1 year. During tha period u freely get divided for about 7.5%. Is just a temporary and easy income without u doing anything. From what I have experience it is a good step for beginner to follow this step as they intend to move to the next step. It is a wise step.

Hahahaha.... While I'm thinking of what to do with my money... I'll put them in FD .... IMHO, FD doesn't have that much interest rate but at least the risk is very very low and you can just stash in there while hunting for a good oppurtunity....

If you want to invest in long-term, you can invest in mutual fund or stock market. Both can be long-term investment vehicle. However, you still need to time your investment to make sure that you get in when it is low and get out temporarily when it has reached its peak.

I don't believe in short term investing of share. It is very difficult to time your investment for short term, though not impossible. Furthermore, playing short-term share trading means you will have more transactions. With more transactions, you have to pay more fees to your broker.

FD and Bonds are very safe investment vehicles, but their return is very low. Your return may be eaten up by the higher inflation rate. Still, you can use them as a vehicle for your "emergency fund". Your fund here will not depreciate at all, unlike mutual fund and stock market.

Vince, I am very interested in investment. I am a business student now. What is the qualification to become an investment consultant? I am planning to take up CFP in the near future. What are the prospects like in this career?

Hmm, then about stock...

Where do you actually go and look for stock??

I meant ppl kept on talking about looking at the stock/company's profile and etc... How do I start looking for a stock? IMHO, there are soooo many companies listed ....

*I'm not trying to invest in any now, just wanted to know how to start .... LIke where to look for info and how to evaluate the stock and etc