QUOTE(SKY 1809 @ Apr 12 2013, 09:20 PM)
Kinda true like what u say UT is a very good tool for investments , just that I do not agree with some people for giving misleading info about the performances of UT to impress others.
Frankly at this point of time, I sold my UT and parked back to EPF account for capital protection with reasonable EPF dividend rates of late. I am rather happy with EPF nowaday, and capital protection is my priority at the moment, which many UT cannot provide. Bonds come with the risks too these days.
1) I follow my own investment /asset allocation method to low yields with less risk like Cash, taking into the consideration of Malaysia and Overseas performances at the moment. It is my own interpretation anyway.
2) As u may know I have invested in some other stocks too like Tambun and UEMland and so on. I would would continue to examine stocks with low PE come with a reasonable dividends yield with + - 5%. Eyeing on MBL and so on.
3) Even if reits fall to a attractive levels, I would pick up some along the way.
All in all, I think many markets could be peaking, with very fragile economy worldwide. I take the precautions and so on. Meanwhile waiting and reading more reports along the ways.
Well some people believe in "stay invested" no matter how, but I go for asset allocations with some cash in hand /bonds/reits .
Well it is my plan. No problems if others want to buy more UT so long the old uncles and aunties are not misled.
Regards
somtimes ppl said timing not good - but i would like said made own target price NAV or STOCK i want to enter, else my money park under bond or FD. Like wise during 2008/2009 financial crisis i got put my EPF investment to UT. Now gain 30% - 40% purchase @0.50NAV Public Mutual Regular Saving. I do invest other fund like OSKUOB AREF, this fund performance not so good for my case.
When come to opportunity is the person to take the risk to invest. Yes when i invest i do drop below the NAV i bought - slowly come up and above the NAV. Same to stock. Investor my evaluate is the TP or NAV of stock or UT is attractive level like sky 18909 mention.
What every go up can come down to NAV or Stock - all come to few below reason
1) Business failure - when come to crisis like renong 1997, AIG bailout ,alot business impacted when Too Big to Fall happen.
2) Investor play contra when one digging other stock hole to cover another hole. The not choice to sell their stock
3) Banking and Insurance & MNC are interlink to worldwide market, if one country hv flu their neighbour will get the same sickness.
Previously i invest in UT - now i hv opt to switch to stock becoz the my wisdom gain from sifu about that give me confident when and what to invest in stock.
When NAV drop becoz of market momentum bad we cant blame Fund manager for those aunty uncle and newbies not realise the prospetus mention the market momemtum drive the UT NAV. UT is a collection of stock of mix countries market of theme invested by fund manager. I do loss money in UT especially PCSF dam really upset me becoz montly i hv do DCA to break even and take myself to be PM agent to cover the clawback the service charge as comission
Buying stock or UT dont rush - no point chasing hight when come down up to individual to accept the capital loss. Juz wait the ccomfortable price to enter - else play short buy low and sell high later cut loss.
My theory may not work or agree by other which hv their own theory investing. It juz my way and juz my money.
Noting right or best - but up my fate to brass the stormy financialy & economy.
2sen
wind after wake up in the morning on sat.
This post has been edited by felixmask: Apr 13 2013, 09:58 AM 
Mar 5 2013, 10:55 AM
Quote
less then UT.
but need a more stable and less risky one, few percent higher than EPF then very happy liao haha.. so HSO is considered a good choice? any other selections?
my wet dream)? Want to reduce paying tax this year.
guy staying late at office answer both your 
Read further...
0.0427sec
0.42
7 queries
GZIP Disabled