Well, look @ it this way - U have a GREAT REASON to ask for the 0.5% WITHOUT going to the "seminar" (and wasting time + $ to get at the 0.5%)
Try asking and reasoning - U in JB, crazy ar drive all the way to Central for 0.5% service charge special sales?

1. for Mutual Funds on programmatic DCA+VCA plan? nope didn't sell/switch
2. for Mutual Funds on trend + individual stocks - yup, sold off once trailing stop loss / trend / trigger hit.
3. Thus, due to (2.), yeah - my losses could have been worst BUT seeing (hindsight always 20/20) as it rebounded within 2-3 years

Again, hindsight yar - BUT if markets didnt rebound as it did
+ did a KLCI 1997/1998 double-dip
+ slowly chugged up for 3 to 9 years, only reaching par after 6 years+/-...
if i didn't cut loss

This post has been edited by wongmunkeong: Jan 29 2013, 05:19 PM

US market related - Fear & Greed Index
http://money.cnn.com/data/fear-and-greed/

Thought it'd be of interest

This post has been edited by wongmunkeong: Jan 30 2013, 02:07 AM

er.. which market are U talking about ar?

KLCI down 3.93% from recent top,
HK down 0.39% from recent top,
AU down 0.37% from recent top,
SG down 0.10% from recent top,
S&P down 0.39% from recent top,
Brazil down 6.28% from recent top

"Recent" = within 1 to 6 months

IMHO, it IS generally too hot, except for a few markets.
However, having said that, since i've no crystal balls:
I'm spacing my "chunks" to be in bit by bit every 4 months (to rebalance lar, have a wee bit too much Fixed Income assets)
WHILE continuing my planned quarterly DCA+VCA.

Keep in mind, these days (in US lar), i read that crazy influx of individuals into equity funds & stocks.
eg. http://www.theglobeandmail.com/globe-inves...article7239388/
I like the last paragraph
"... Here’s an ugly fact to think about: According to EPFR, the biggest-ever inflow of money into stocks was $23-billion, in the third week of September 2007. As Bloomberg News pointed out, that was a month before the S&P 500 hit a record high – suggesting the inflows came near the end of a bull market..."

BTW, no sifu here, "chicken investor" only (always looking how far down, before looking how high up)

PS:
http://www.zerohedge.com/news/2013-01-14/p...-inflow-context
Another perspective BUT similar outcome (ie. probability of pain for ingoing individuals) - last paragraph:
"... Will this comparable attempt to send stocks even higher and fool retail to be the dumb money bagholder once again succeed? Or will this time not be different? Of course, back in 2007 we actually had a market: now it is merely a place where the Fed parks $85 billion in freshly printed money each and every month. So maybe this time will be different after all. ..."

This post has been edited by wongmunkeong: Jan 31 2013, 07:29 PM

Sometimes best to play dumb, thus know who are the people that one can trust VS. who are the bullkaka artists

In addition to the RED RED worldwide yesterday, last night (MY time), Boston Marathon terrorist bombing!
http://news.blogs.cnn.com/2013/04/15/explo...omment-page-61/

Pink - unfortunately due to the above, i think there'll be a lelong coming. Unfortunate coz it came from such "evil-ness"
Humans... sigh...

Just to share a good YouTube
Asset Allocation + Chasing Winners..
http://www.youtube.com/watch?feature=playe...d&v=nysLo1hlgvM

This post has been edited by wongmunkeong: Apr 23 2013, 01:11 PM

er... i've not looked around much at EPF-compliant funds wor.
Still plodding with PIX, PSSF, PAGF from Pub Mut - coz my EPF siphoned off to Pub Mut's PSBF waaay earlier.
These days... direct into stocks hehe
Thus methinks U da man for EPF mutual funds neh

er.. bro, need only $8K initial withdrawal to start the a/c with Amera neh.
And yes, ETFs, REITs, PBBank, etc - to your previous Q on what to buy

Hell, make $ off PubMut's, CWA's, etc profits mar

$25K was with Phillips Mutuals - oooooold one
My initial probing into "self-directed" investments via EPF during early-mid 2000s.

Your link - unsure why Amara is $25K, i was told $8K when i started last year

This post has been edited by wongmunkeong: Apr 24 2013, 08:26 AM

ahem ahem - i've no favourite stocks neh.
their just vehicles to get to a destination - as long as the fare is of value VS the ride, why not?
cheap b*st*rd's method to getting there

This post has been edited by wongmunkeong: Apr 28 2013, 05:53 PM

Interesting stuff - stress testing Asset Allocation (a variety of sub-methodologies)
https://www.dropbox.com/s/ep841u04ks0lri9/s...est_taa_v01.pdf

Bolded item - sure boh bro/sis?

hm.. most (not all) unit trust agents dont know kaka when i poke them for:
a. details (sharpe ratio, CAGR of moving 3/5/10 years & why such drastic differences)
b. and methodologies (especially DCA vs others in different scenarios / environment vs lump sum asset allocation - heck even the concept of asset allocation)

IMHO - it's the concept or WHY that is not too right

One's $ hard earned sweat (unless stolen lar ), give to someone else to totally manage is DANGEROUS to say the least, unless they have earned one's trust. At the very least - outsource the running about to agents but do the decisions / asset allocations oneself.

Unless of course one wants to have a scapegoat to blame lar
Just a thought

my crystal balls say FOR SURE..
still can... go higher
still can... go lower


Sigh.. still these kind of Qs around

Just sharing:
Franklin Templeton Malaysia is in MY (er.. i may be late to the game, this is news to me )
http://www.franklintempleton.my/en_MY/institutional/home

Hi TakoC,

If U know, can share how's Templeton's charges (service charge, switching and back load) and requirements (amount needed to open, top up, etc.)?

Their website has no details - i've just emailed them early morning and hehe opportunity struck (U posting U've dealt before with them awhile back)

Just thought some investors here may be interested in this:
Credit Suisse Global Investment Returns Yearbook 2014
https://publications.credit-suisse.com/task...1CE20B5D14A7818

Minimal risk = very low risk
Lower risk = lower risk
Thus, personally, i think the word "Lower risk" should be used in your sentence, especially when U are comparing investing on our own VS mutual funds AND the "lower risk" part ONLY applies to single stock falling.
IF the entire market or markets fall, U really think mutual funds are "lower risk" than the stocks they are holding?

BTW, i can achieve the same "lower risk" via ETFs for lower upfront cost + lower annual costs
However, ETFs can get hit by sector or market falls too, like mutual funds.

Note - i've nothing against mutual funds, i personally use them as one of my vehicles for investing. It's just that word - "minimal risk" which jumps at me

This post has been edited by wongmunkeong: Mar 13 2014, 07:44 AM