go to switching fees.

@Bonescythe and wongmunkeong,

Await for your replies. Check out post# 213

Thansk!

This post has been edited by debbieyss: Sep 5 2011, 11:55 AM

hheheh - sorry, was up to my eyeballs in Private Messages after doing them worksheets.

Ammo = my slang for "cash in-hand awaiting to buy into specific assets"
my dumbass slang coz:
IF
a. got gun (ie. methodologies)
b. got targets coming into my gun's sight (ie. opportunity)
c. NO AMMO / bullets!
i'll be kicking myself so hard that... my great great great ancestors will feel it

Ammo is short form for ammunition, or bullet
In share, investment, ammo is cash.. $$$

Yes, must be typo.. Lolz.

Double dip.. I don't know, but probably. Our fate is dependable on US market, Europe market and regional Asian market. KLSE is always a follower. Sometimes we follow with 1-2 days delay.. Haha.

Market is no doubt, very volatile now. One day can green +20, another day red -20. Gold price remain at high 18xx zone, means investor is still not confident with the current market as well.

Double dip can happen. And you will see oil price plunging to valley again, and tech pieces thrown like dog.

Let's see what the US play their cards. But even though how they play, it is a matter of time. Slow death or fast death. But we still cannot eliminate there are chances of a miracle.

Current situation, bear on the advantage side.

Financial market volatile meh bro Boney? IMHO it's straight forward down down down
coz from my POV (point of view), down can be 5%+ but up (from the down) is 1% to 2%+.
to me, 2% up isnt 2% up from 100% coz fell 5%+ liao. Thus, effectively less than 2%up

Lots of marketing gimmick, especially those investment houses/fund houses puts it like:
2008 fell 48% but ar, 2009 up back 48% thus no problem.
My foot - the climb is LESS than the fall
Fall (100% -48%) + Climb ( (100%-48%) *48%) is still less than 100%

Gold no idea - looks to have reach a plateau - potential risk is way too high for me personally VS rewards.

This post has been edited by wongmunkeong: Sep 5 2011, 12:54 PM

Strongly recommended!

Looks like UT has become a LIFELONG investment which needs long horizon >10 years compared to as claimed by the agents/sales personnel (3-5 years). So investing with EPF is the way to go.

Maybe, maybe not on the >10yrs horizon timeline.

IMHO and experience, it depends on one's investment methodology / approach.
eg. on like 2001 dips and 2008 crahes, if one does trend investing (in and out based on mid-long term trend), one can make $ within 2 to 3 years and SWITCH back to Bond Funds. I did exactly that with my value/trend capital.

As for my programmatic investments, still chugging along and also making $ overall (note - bond + equities) about 8%pa+/- even in this down market.

However all these take time to learn and test, thus, my recommendation stands for newbies to get their toes wet first by doing EPF to mutual funds, learn and do better

This post has been edited by wongmunkeong: Sep 5 2011, 01:32 PM

UT is not for short term, recommended medium to long term. this is not claim by agents. this is the UT concept. Agents not allows to give any promise and guarantee on UT for short term and even for over the time, since risk still has in UT.

INVEST IN UT IS WITH UR OWN RISK AND NO GUARANTEE AT ANY POINT OF TIME.

But, its proven that for long term, UT give much better returns compare with FD and EPF.

But u still can make money in short term, below 1 yr, timing must be ur side and the market shoul be in uptrend.

Public Bank launches three new fund

Public Bank is launching three new funds, PB Asia Emerging Growth Fund (PBAEGF), PB Bond Fund (PBBOND) and PB Sukuk Fund (PBSKF) on 6 September 2011.

URL: http://www.publicmutual.com.my/LinkClick.a...9Eo%3d&tabid=87

Bolded one. Confirm launch at wrong timing.
Shall be seeing red and negative result soon

How to avoid common pitfalls.

one thing i dont linke about PM Online is that they dont have a column called Cost, i.e. the money that we've invested. With this Cost column, then we can compare how much $ we've put in, vs the $ we're having now.

also the history is only limited to 12 months. how i wish they have the full historical records for our records to export out for analysis.

and thus U should have your own tracking spreadsheet yar?
I too was and is still cheesed off with fund houses (not just PM) sending garbage "info" to me - gross returns / lump sum profits/loss, no CAGR per transaction, no CAGR overall, etc. Thus, build your own

will you buy into UT now?

I dunno about him (pointing at bro David83) but i'm still buying in based on my programmatic approach (DCA+VCA)
5 years+ plan mar, what to do - follow through and tweak along the way if needed lor

U leh? What's yr plans and approach? Still buying in? Sitting out? Or ???
Share share your views / opinion & methodologies lar. Dont just ask a Q without some reasoning or sharing yr thoughts

This post has been edited by wongmunkeong: Sep 5 2011, 11:24 PM

I don't know as i'm newbie in investment .. just following some posts
maybe i should try to get it..

Make sure all in all, you know what you are going, and you are mentally prepared for anything to happen, even if it is counting 1million profit from UT, or counting 200k losses in it

At current weak economic outlook, I'll try to bring down my average unit cost for PAIF, PSEASF and PSMALLCAP if I have extra cash on hand.

I'll try my best to buy an Australia fund from CIMB since it's under promotion on 2% SC. I always wanted to buy an Australian fund.

what is the meaning of DCA & VCA?
DCA = Dollar Cost Averaging...
VCA = ?

VCA = value cost averaging