I'm topping up AmAsia Pac REITs, EI AP Shariah, EI GEM, Hwang AQ, OSK-UOB EM Bond, OSK-UOB Global Equity Yield and Pacific Global Stars next week...under Transfer-In programme

Can describe how's the process like?
From what I read, it seems that wayne84 wanted more MY equity exposure ma

Ok, same as what Eugene told me. So, when u did it?

I'm still waiting for the money

CWA redemption proceeds took how long to pay? FSM is T+4. I hope Hong Leong also T+4

PRS with hwang or RHB better? suggestions? wanna buy 3k for tax relief YA2013

Hah! SC following MAS rules, indemnifying themselves if investor lose money, you sign your fault.

MAS one crazy, either must own dip/degree in investment/finance only can buy UT OR trade UT more than 6 times per year OR take assessment test.

If fail cannot buy UT and have to sell off all UT within 90 days. All UT lol, including bonds..

Usually to pass i trade UT 6 times just before my assessment expire. 

Stupid regulation if you ask me... BUT licensed agent can buy sell for you even if you fail.. just cannot DIY. 

Yes, I can park my cash at CMF, but that doesn't mean I use cash or cheque to pay them - I will still be using IBG. So, that's irrelevant.

There could be a delay sometimes, but that should normally be within the 2 or 3 business days. Any more than that, and more often than you would like, I suggest your company change banks.

But, more relevant in an FSM thread, they previously sent a reminder when they did not receive payment. That should normally be automatic, which may or may not be how they operate. My post was more to see whether others have experienced something similar, ie 5 days still pending and no reminders?

if talking bout gold, i personally prefer to hold it physically.
buy from reliable shop, well known brand/miner.
coz so many scam around.

during september 2011 i was playing with gold futures,
that one day can earn 100k usd, its 300% profit. on the next day lost all.
lucky its not real money, just demo. 

then lot of people say that end of 2012, gold will reach 2k.
but when it didnt happen, i hv bad felling bout it. something wrong will happen.
just counting down when it will go to bear market.
now that it happen    just wait lah till it goes up again.
hope it wont drop and stag too long like during 80's

my father said that gold is on a 'fake' price now,
the real cost of making it is way lower than that.
lucky i listen his advice, not lured with speculator and media advice to buy more gold.

Conclusion
NEM management did a good job limiting the increase in production costs for 2012 and keeping the company's total costs in-line with the rest of the industry. But with true costs at $1295 per ounce, the company has very limited margins in the current gold price environment - and that is without including dividend expenses. If gold production costs continue to rise without a subsequent rise in the gold price, then NEM may have to consider additional ways to reduce costs including cutting exploration or even reducing the dividend.

For investors interested in gold as a commodity (GLD investors take note), we believe that NEM's true cost figures offer a number of interesting takeaways. The first thing is that even the largest gold producers are experiencing rising costs despite their attempts to control them and margins are being squeezed. Secondly, even with rising costs gold production is actually being reduced, most miners are producing less gold than in 2011, and they are forecasting flat or lower production for 2013.

These two things, regardless of central bank policy, are very bullish for gold investors, because the industry is reducing gold supply even while their costs of production are rising. This shows that there is some major stress in the industry, and we do not think that the gold price can fall much farther before we start seeing even more significant cuts in production and reduced gold supply. Aggressive gold investors should be accumulating on the drops, while conservative investors should be eyeing the $1200 to $1300 range as a very strong floor for the gold price - though we do not think that gold will drop to those levels.

newbie post


20% of my asset is in emergency cash they would be enough for about 4-5 years expenses
40% in EPF (5 years later hopefully can take out unless the govt up the retirement age)
40% cash.... that i would like to invest.

do post your experience when you buy PRS from FSM.....i wanted to buy also but its not as simple buying UT from FSM...there are 2 forms to fill but i not sure if top up monthly can just be simple as clicking or need to fill up the forms also...

If PR takes over, I might hold station, who knows they can improve management of EPF?
Actually it's quite simple...

First time need to fill up Fund House a/c opening form + subscription (purchase) form
Subsequent purchase just fill up subscription form
Each time have to submit with photocopy of MyKad

EPF needs the paper documents.

Must post. FSM will send u a stamped envelope addressed to their office when u request for the EPF forms.

Or u can bribe your office boy ask him send for u

To a technicalist, high or low is determined by looking at charts and patterns.

To a fundamentalist, high or low is determined by reference to valuations. Most commonly used measure of valuation would be Price/Earnings Ratio and Dividend Yield. U cannot get this from looking at the chart. U have to rely on reports from analysts like those published by FSM on market valuation.

gee, already taken out from a/c 1 for PM UT. thanks for asking.

I'm an investor, not a trader

Never liked betting on trends...I hate trends...they made me lost loads of money both on KLSE and Uncle Lim

wow, good to know that you can have (Almost a save heaven for yr investment) if the KLCI drops.
what i am interested to know is any idea what the M'sia Equities Funds would behave is the KLCI were to drop 5%?
what about yr whole portfolio behave if the global stock mkt crashed like for example 2007/8?

Nope, not so keen on going for a 100% MY fund with my EPF money. I prefer to maximise my foreign exposure with 70/30 funds. Hence my shortlist of Hwang SOF, OSK-UOB Emerging Opportunity and OSK-UOB KidSave. Sadly, no EPF-approved bond funds with switching facility under both HwangIM and OSK-UOB.

When you plan to decide and buy into using EPF? I remembered you mentioned you sent the documents to FSM, but was lost.

My share investments...gain 15% in 1 month

Now go screw yourself