Jul 31 2012, 03:50 PM
QUOTE(Vincent Pang @ Apr 18 2012, 03:26 PM)
i have done an analysis and here's the finding
https://docs.google.com/spreadsheet/ccc?key...MjNRR29STEh4cnc
In summary, the HL Cash Builder performance is similar to FD, but with insurance which you don't get in FD. And it's for long term, FD is for emergency.
If you want maximum profit with minimum risk. Go for Reit. Currently most of my reits are performing at 6.5% on average. The prices of REIT doesn't fluctuate like other shares, they only move like +/- 1 cent a day if any. But at double the interest you can get from FD, it's calculated risk.
Added on April 18, 2012, 3:30 pmof course you don't put all your money in one basket
you would still want to have some FD, REIT, shares, mutual funds.
Added on April 18, 2012, 3:30 pmof course you don't put all your money in one basket you would still want to have some FD, REIT, shares, mutual funds.
Hi all. Interesting read here. I was contacted by an agent a week ago, and was told that the annual return rate can be kept so that it can be compounded. The amount invested is like savings, so the annual return rate is based on the total amount invested, hence I was advised to keep the annual returns as savings for compounding purposes. After reading the comments here, seems a little dodgy now. :Shttps://docs.google.com/spreadsheet/ccc?key...MjNRR29STEh4cnc
In summary, the HL Cash Builder performance is similar to FD, but with insurance which you don't get in FD. And it's for long term, FD is for emergency.
If you want maximum profit with minimum risk. Go for Reit. Currently most of my reits are performing at 6.5% on average. The prices of REIT doesn't fluctuate like other shares, they only move like +/- 1 cent a day if any. But at double the interest you can get from FD, it's calculated risk.
Added on April 18, 2012, 3:30 pmof course you don't put all your money in one basket
you would still want to have some FD, REIT, shares, mutual funds.Added on April 18, 2012, 3:30 pmof course you don't put all your money in one basket
you would still want to have some FD, REIT, shares, mutual funds.
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