Kaka, that day u were sitting with the HwangIM representative, u got his contact?

HwangIM website since the makeover is displaying prior day NAV...i.e. when I click to view fund prices, it shows 01-Mar-2013 NAV but those NAV prices shown are 28-Feb-2013 prices (I confirmed against Bloomberg and FSM data)

Anyone with experience investing EPF a/c 1 money with FSM? Can share how's the process like? I'm thinking to buy Hwang Select Opportunity with EPF money

Yeah, 3-year, 5-year and 10-year historical data proved it. And I've got the time to let it catch up should equities underperform for 1 or 2 years.

Don't wanna lend too much money to our rotten government

On a serious note, doubt I will need to purchase a house of my own since I'm the only child, marry also will live with my dad. Might as well take on a little more risk in search of more returns.

Hi ben3003,

  I do simple model calc buying rm 400k, require 10% pay from EPF account 2.
The person work for 5 year equivalent salary permonth to save rm40k

Assumtion house above rm400k, then account 2 also atleast minimum rm40k
10% house down payment = rm40,000
5year EPF contribution with montly to Acc2 =rm 666.6666667
Acc 1 70% montly = rm1555.555556
Acc 2 30%monthly =rm 666.6666667
Montly Contribution to EPF=rm 2222.222222
Employee Salary using revese EPF contribute 11% + 12% = rm7911.111111
the person need to earn rm 8k per month for 5 year only can save rm40k to pay 10% down payment.
I remove the yearly EPF dividend, to made it simple clear cut for 5year flat saving.

  Forgive me i do any wrong calc let me know, juz to share my view and my maths.

Yea, up to 20% of your A/C 1 excess can be used to invest/buy house

Shld be account 2. Pay 10% downpayment must hv cash to pay upfront within 3year from SnP can redem from account 2 EPF.

I used my EPF for UT investment in Public Mutual. long term becoz i dont want EPF used my money buy/sell stock by paying back   less then UT.

By the way i open EPF-Public Regular Saving Fund during Aug/2008@0.5033 & Mei/2009@0.4582 Financial Tsunami.

HSO only if u are adventurous, OSK-UOB KidSave Trust highly recommended, its a very solid balanced fund.

I already said, yesterday's crash was driven by property stocks which are mostly large cap stocks, Hwang AQ invests in smaller caps. Read the news la bro...

Yeah my Hwang Global Financial Institutions down 0.33% yesterday, as I said yesterday drop driven by property stocks in HK/China, and usually when property stocks selldown, banking stocks also kena cos the 2 sectors are closely related.

+100

That's why I only buy OSK-UOB funds that I believe can hold for long-term.

With OSK-UOB I have Income Fund, Global Equity Yield and Emerging Markets Bond.

And of course, Cash Management Fund

Actually...US market now also quite scary when hitting all time high....we can not time the market folks....jus follow the flow and keep amour....need to turn down the monthly top up into GEM + world + China/asia fund as well.....have no direction wher market heading now...except japan

Do Value Averaging on your portfolio as a whole, e.g. if u plan to "value up" RM500 a month, but your portfolio went up RM300 last month, just top up RM200 on your portfolio, top up on the laggards. That's what I do.

CMF lo

*think reverse scenario*

If u top up RM500 come rain or shine, what about a month when your portfolio kaboom go -RM300? Still top up RM500? Then it's net +RM200 for the month...

I'm of the opinion that Value Averaging is superior to Dollar Cost Averaging. With DCA, u might end up deploying your cash even when the market is overheating. With VCA, u top up more when the market crash, top up less (or even stop topping up altogether) when the market rallied hard.

Hi there,

Take a look at my portfolio
http://forum.lowyat.net/index.php?act=Atta...post&id=3314350

That was last month's position, some changes were made since then but not really that significant.

about 100k
ahhhhhh im scared liao, but the return for 10 years is more than 100%, everyvyear also make money

Let me guess - U loggin in from office? Where yr IT ppl has setup a load balancer?


FSM's system can't handle it the last i tried - multiple IPs while "keeping the same password token".