In and out,... I have a lot of my funds and assets outside anyway,... Malaysia becomes my diversifier now, instead of outside,...

I'm glad I made the move to dispose a large proportion of my funds from the PNB late last year. If that catalyst of a possible conversion to VP Funds did not come, I would have just been contented and stayed inside PNB.

When that catalyst came, I made ALL the steps to strengthen my portfolio outside and transferred my funds out. I have an even stronger portfolio outside of the country now, earning foreign currencies. In the process of strengthening my portfolio, I was alerted by some quarters, my external investment bankers, to move my children out, to go to schools outside.

It is good for my foreign investments if we are residents in those countries.

So,..all in.. I am glad that catalyst came,.. and things turned out as such for me today.

My children are still young,.. not of university age yet,.. moving them out is more expensive,.. but no choice-lar, bro,...

Okay, bro,... Tq,...

The problem we have with this place is the trust that people have with the govt, and with letting the govt manage their money.

The environment is different in Sgp. The govt will take of its people.

Just sharing with the forummers here,... I heard from reliable sources that the dividend rate for 2016, to be given out in Feb next year will be lower than 6%,... because 'susah lar nak dapat more than 6%' in this climate,... so said the source,... Just sharing with you guys only lar,... let's check next year if it's true,...

This thing abt borrowing from foreign banks is that if the exchange rate goes against us, we will have to service a higher interest expense, especially if the US starts to raise interest rate.

Dishing out a higher interest expense will reduce the distributable income for contributors.

A counter view,... yeah, based on analysis,.. perhaps right too,...

I supposed if there is no effect towards what we currently have in Accts 1 and 2, no one would mind. What people would mind would be if they've decided to withdraw their funds from any acct. comes a certain time, and EPF suddenly changed the rules and prevented the withdrawal,... This is what makes people mad, because this disrupts their plans,...

I think for EPF, we have no choice, must contribute and are not allowed to take out,...

Wow, SGD 1.96 and USD 2.60 - that's like,... wow,... a very long time ago,...if you have been investing those funds outside, actually,... you don't need to move any out anymore into those denominations. Like for myself,... actually,... I have enough to invest from the dividends and the coupons that I earn from my SGD and USD investments. So,... no need to convert into those denoms,... the money made can be plowed in to make more money.

...if you plan to diversify, go INTO ANOTHER currency, another country. That's my thinking,....

Frankly, I noticed that the SGD is also at an all-time high now ! The RM has been defeated left, right and centre.

I have not checked, but yes, I would agree with you. Mathematically, all currencies weakened against the USD. The stringer ones weakened lesser, the weaker ones plunged. Hence, mathematically, RM wouldn't weaken so much against the SGD compared to against the USD.

They can't do much anymore,... but then again,.. personally, they are safe,.. most of them are,...all loaded,...

YES ! Couldn't care less abt us anymore !!

Bro,... Q4/16 is not here yet,...perhaps they are able to make a quantum leap in Q4,... then we will be able to match 2015 rev..

Wow,... good analysis,.. Plumberly,...

If, in this case, the EPF HAS NOT been politically compelled to 'absorb' this disposal from the CIMB, and if the EPF made it own decisions to acquire this asset, then I'm quite sure the EPF would have done its due diligence before purchasing this asset. The EPF must be seeing good opportunities in the Aus commercial asset sector.

Yes, gentlemen,... then we must now know if the Aus mkt is now good in terms of its commercial mkt,...and if there are prospects moving fwd,....anybody knows ??

They must have a reason then for choosing Australian commercial assets.

2016 dividend rate will be affected next year !

Looks like all of my RM dividend rates for 2017, namely EPF and ASX FPs will be dropping,...

Very easy for them to make money in Msia,... Really easy, bros,.... Just one round like this, transfer of wealth from us to them already. And this is LEGAL some more....

Then for us, even if we are smart enough not to be fooled by them by investing into FGV, ultimately we are affected by our pension fund's involvement. So,... staying in Msia, there is NO WAY OUT ! Left or right,... they will 'makan' us also !

So,..