Not necessary when you see the on the foreign fund perspective especially those so called emerging fund that invested in those developing country like Thailand, Malaysia, India etc.
Foreign fund has plenty of choice, if that region is not favourable, they might as well pull the fund together go to elsewhere like India,, Brazil or Scandinavia country which is more exciting, not necessary Malaysia.
Also, Malaysia has a bad track record of sudden capital control also, while rules and regulation keep on changing which most foreign investors are more afraid of. While Singapore is more likely to benefit from the Thailand issue since they are well know to have most liberal and stable regulations among the region.

I don't quite agree as reported by newspapers that those hit by currency crisis like Thailand and Malaysia (S. Korea is a exceptional) has recovered and stronger now and can withstand another crisis. Yes, trade and financial situation is improving from last time, no doubt, much better than last time but not as strong as reported.
Still those country rely heavily on lower currency rate to boost export which eventually push start the GDP growth while domestic consumption is still relatively weak. If not the export growth, their economy might still at stagnant stage.

I think those warrant thingy, if we could have enough capital for its mother share. Then only worth it a try. Else, really... by the time reached all would goes down to drain man!

When I wanna make a fixed deposit, i can choose between normal and Al-mudharabah.

What's the difference between the two? As far as I can tell (I may be wrong), the interest rates are the same.

I'm just starting to invest, so play safe with FD first while learning more about other ventures.

I got the same questions.
I'm noob in investment.Just want to learn and if possible i would like to try ivestment.

1) How Fixed Deposit (FD) works?what are the goods and bads about FD?What is the minimum cash i need to start FD?what are the interest rate?which bank offers the highest interest rate?Which bank is safe and which is not?

2) How Mutual Fund (MF) works?what are the goods and bads about MF?What is the minimum cash i need to start MF?what are the interest rate?which bank offers the highest interest rate?Which bank is safe and which is not?

Are there anything else i missed?

Hope to get reply/information on this from you guys.

This post has been edited by kingmaker_20: Aug 2 2007, 04:21 PM

It is better you browse through the forum or you google the 'Fixed Deposit' and 'Mutual Fund' with 'Wikipedia'.

Yes, you should browse through some topics in this forum to understand more.

FD is not same as unit trust. FD is saving, not really an investment. Unit trust is not saving, it's an investment.

FD interest rate is fixed and you only can withdraw it after its maturity, else you will lose your interest.
Unit trust investment has no guaranteed or fixed return. Its return depends on the price...(actually quite same as share).

Which local funds are the equivalent of USA "exchange linked" ?

How can foreign funds be bought in Malaysia?

(If these have been answered before, I'd be grateful if you steer me to the posts.)

111

FD is not investment, is like savings, just the interest rate is higher than normal savings account.

mutual fund- high risk = high return / low risk= low return .
for PBmutual, RM1k (minimun)
there is no interest rate for mutual fund but there is dividend give out for divedend fund.
support PB mutual .

From what I understand mutual fund is only good during boom periods where the fund manager can excersise full control to purchase stocks that he thinks can generate the most income.

The bad thing about mutual fund is all the charges incurred, 6.5% during purchase means you already lose 6.5% before anything happens plus another 1.5% management fee means you lose another 1.5% every year if there is no income. Not sure what other charges for selling etc.

During boom time, lets say there is $100million of investor fund, the fund will continue to increase as prices continue to go up and this will attract more investors. The fund manager will then have better control and funds to buy good stocks.

However during recession, this is what happens :-

1. Panic selling, the fund manager is forced to sell good value blue chip stocks because customers want to cash out. He does not have a choice eventhough he may have a phd in finance because Ali, Ah Kau and Ramasamy who are the average joe panic and want to take their money back.
2. $100 million fund may end up only $10million fund left, while recession is the best time to buy cheap undervalue blue chip stocks, the fund manager lose all ability to buy the stocks because he has little or no more funds left, which means the fund will fail to gain from the recession oppurtunity.
3. It will take a long time for investors to invest again especially during recession, this will then make the turnaround to positive growth to be slow as well.

This post has been edited by DannyOP: Nov 13 2008, 01:32 AM

Hi guys,

Seeking for advice on share investment overseas. I'm looking for an easy way to tap into overseas fast-moving market.

1) What's the best way to purchase shares (e.g. NASDAQ) overseas? Someone recommended "firstrade", which charges really low commission rate, & ranked #9 here.

2) How do you guys invest overseas?

http://forum.lowyat.net/topic/857625
Or http://forum.lowyat.net/topic/593237

may i know what kinds of investment suitable for a college student

You can invest in unit trust at first. As you gain more knowledge and experience in investment, you can invest in share market as well...

FD, Bond followed by mutual fund.

if you study marketing, economy etc. then can try 10-30% in stock market for the sake of learning.

It depends on your capital. Most University / College students like to trade Forex as it only requires minimum capital. You can start from as low as USD $100-500.
Whereas Mutual Fund and Stock Market is not attractive in this bear market and they require huge capital IMHO, their Risk : Reward is not good enough
You can drop me a PM if you like to know more. Thanks

above statements are 100% sales talk and is exactly how tons of ppl dig into their graves even after they became millionaires
( story about why rich ppl kill themselves)

in long run, 99% chances are you lose all you had in forex.

the best you can get from forex is you get the beginner luck, win and pull out forever. Which is almost never the case.

if still want to invest in forex, always remember you can start FREE

1) download free software from metatrade with free demo account
2) learn the basic buy, sell, long, short, price gap, which currency pairs you can trade, which not etc.
3) form your own trading strategy, stick to it ( still in demo account )
4) learn to write EA scripts, back test your strategy in 3) and see if they work for how many currency pairs, what kind of market will it work etc.
5) when you find a strategy ( in EA ) that you have high confidence (ie. has been proven to earn consistently more than 15% for the past 10 years in more than 2 currency pairs ), then only you start putting money into forex.

if you have no persistency to go through all above steps, I guarantee your permanent lost in less than 500 trades.

sorry to those who earn their living from forex training, education, consultancy etc, but seriously you guys can do better to educate the right tings and the right ways in forex.

students should only play forex for the sake of learning, and with USD 100-500, one should only prepare to learn, not a long term accumulation for your serious future study fund etc.

Agree on that too. Earn the experience not the money that matters..

I also invest my money to run some biz called USANA HEALTHCARE SCIENCE..after several times attended their group meeting and talks,i take the opportunity to join them.So far so good!!Best company ever for the healthcare products

you can buy a unit trust bond from most unit trust companies. That's probably easiest.

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Added on October 18, 2010, 2:31 amuiks...didnt realize posting was ancient..hihi
looks like someone resurrected this thread

This post has been edited by buylowsellhigh: Oct 18 2010, 02:31 AM

any programme to practice forex trading or stock markets? without using real money