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 Fundsupermart.com v3, Manage your own unit trust portfolio

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JinXXX
post Jun 9 2013, 03:26 PM

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QUOTE(Pink Spider @ Jun 9 2013, 03:24 PM)
^
Listen to unker

When recession, u lose your job, u need cash, your stocks lowly valued, a bad time to liquidate them

Hence it's a better idea to keep emergency funds in FD and cash, NEVER equities or even bonds
dad ain't insured
*
so cash is king during recession ?? if recession bank chap.. how the money ? BNM give u back via PIDM ? or it will dragg on

anybody thought of that ?

oh okie understand that part... smile.gif
SUSPink Spider
post Jun 9 2013, 03:28 PM

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QUOTE(JinXXX @ Jun 9 2013, 03:26 PM)
so cash is king during recession  ??  if recession bank chap.. how the money ? BNM give u back via PIDM ? or it will dragg on

anybody thought of that ?

oh okie understand that part... smile.gif
*
Need to go until THAT pessimistic meh...if talk until like that, savings account also not secure...better sell all and buy Genneva gold laugh.gif
SUSyklooi
post Jun 9 2013, 03:28 PM

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QUOTE(Pink Spider @ Jun 9 2013, 03:12 PM)
I still reluctant to touch my FDs lar, maybe take out a bit more from bond fund to buy more equities. Most decent local stocks now yielding 4%+ at best. doh.gif
*
my thought is to use "Some' of it at the bottom of the curve.
Some?? how much is "some"?
bottom of curve,...when?

for me, i still hv 1/3 EPF saving....when to use it? i am thinking of 18 months from the time i goes down....
SUSPink Spider
post Jun 9 2013, 03:30 PM

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QUOTE(yklooi @ Jun 9 2013, 03:28 PM)
my thought is to use "Some' of it at the bottom of the curve.
Some?? how much is "some"?
bottom of curve,...when?

for me, i still hv 1/3 EPF saving....when to use it? i am thinking of 18 months from the time i goes down....
*
If u are 50 or older, EPF is touch-able. For ppl like me, got millions (I wish tongue.gif ) in EPF also no use, cos cannot withdraw doh.gif
JinXXX
post Jun 9 2013, 03:30 PM

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QUOTE(Pink Spider @ Jun 9 2013, 03:28 PM)
Need to go until THAT pessimistic meh...if talk until like that, savings account also not secure...better sell all and buy Genneva gold laugh.gif
*
keep physical gold at home. keep about 1 kilo.. when need use knife cut as accordingly smile.gif


QUOTE(yklooi @ Jun 9 2013, 03:28 PM)
my thought is to use "Some' of it at the bottom of the curve.
Some?? how much is "some"?
bottom of curve,...when?

for me, i still hv 1/3 EPF saving....when to use it? i am thinking of 18 months from the time i goes down....
*
1/3 epf saving ?? meaning ?

JinXXX
post Jun 9 2013, 03:31 PM

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QUOTE(Pink Spider @ Jun 9 2013, 03:30 PM)
If u are 50 or older, EPF is touch-able. For ppl like me, got millions (I wish tongue.gif ) in EPF also no use, cos cannot withdraw doh.gif
*
u sure u wish ? thought all your portfolio more than EPF by 3x ?
SUSPink Spider
post Jun 9 2013, 03:32 PM

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QUOTE(JinXXX @ Jun 9 2013, 03:31 PM)
u sure u wish ? thought all your portfolio more than EPF by 3x ?
*
u mad doh.gif

I'm not THAT loaded doh.gif

If my investments can match my EPF balance also I happy til cannot sleep already
SUSyklooi
post Jun 9 2013, 03:33 PM

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QUOTE(JinXXX @ Jun 9 2013, 03:26 PM)
so cash is king during recession  ??  if recession bank chap.. how the money ? BNM give u back via PIDM ? or it will dragg on
anybody thought of that ?
*
we hv seen some very severe crisis thru out the past few decades in Malaysia/globally...so far got any bank in Malaysia that chap? further more, after so many crisis world wide, i think the BNM and alot of others had learned alot from it.
i think it should be ok.

SUSPink Spider
post Jun 9 2013, 03:35 PM

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QUOTE(yklooi @ Jun 9 2013, 03:33 PM)
we hv seen some very severe crisis thru out the past few decades in Malaysia/globally...so far got any bank in Malaysia that chap? further more, after so many crisis world wide, i think the BNM and alot of others had learned alot from it.
i think it should be ok.
*
Malaysian banks have strict liquidity ratios that they need to maintain.

We see worst case so far in Cyprus also suffer a bit haircut only.
SUSyklooi
post Jun 9 2013, 03:36 PM

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QUOTE(JinXXX @ Jun 9 2013, 03:30 PM)
keep physical gold at home. keep about 1 kilo.. when need use knife cut as accordingly smile.gif
1/3 epf saving ?? meaning ?
*
= i am > 50 yrs. can withdraw 1/3 of my EPF saving liao. currently i consider this 1/3 as part of my FD....
JinXXX
post Jun 9 2013, 03:38 PM

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QUOTE(yklooi @ Jun 9 2013, 03:36 PM)
= i am > 50 yrs. can withdraw 1/3 of my EPF saving liao. currently i consider this 1/3 as part of my FD....
*
oh okie.. okie smile.gif
SUSyklooi
post Jun 9 2013, 03:41 PM

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QUOTE(JinXXX @ Jun 9 2013, 03:24 PM)
yeah when i read back.. if recession/economic collapse.. u think u will have more worries than a 12 month emergency funds smile.gif

if fd in bank and bank chaplap or BNM ask u fly kite/pidm then still hailat lo.. the 12 month fd smile.gif lol
*
we hv seen some very severe crisis thru out the past few decades in Malaysia/globally...so far got any bank in Malaysia that chap? further more, after so many crisis world wide, i think the BNM and alot of others had learned alot from it.
i think it should be ok.
SUSyklooi
post Jun 9 2013, 03:55 PM

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QUOTE(Pink Spider @ Jun 9 2013, 03:30 PM)
If u are 50 or older, EPF is touch-able. For ppl like me, got millions (I wish tongue.gif ) in EPF also no use, cos cannot withdraw doh.gif
*
it also means I hv abt 1/3 of battery life span life (if i am lucky)
for you guys that still hv full battery life,....go take a big plastic bag (big enough to cover the head, and put inside the pocket) the ask "the sifu" to take you to the place he last time mention maybe can hv your picture taken or splashed in the TV.....(those who followed this thread for the last few weeks should know-lah)...ha-ha... icon_idea.gif rclxm9.gif
SUSPink Spider
post Jun 9 2013, 04:00 PM

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QUOTE(yklooi @ Jun 9 2013, 03:55 PM)
it also means I hv abt 1/3 of battery life span life (if i am lucky)
for you guys that still hv full battery life,....go take a big plastic bag (big enough to cover the head, and put inside the pocket) the ask "the sifu" to take you to the place he last time mention maybe can hv your picture taken or splashed in the TV.....(those who followed this thread for the last few weeks should know-lah)...ha-ha... icon_idea.gif  rclxm9.gif
*
blink.gif rclxub.gif
JinXXX
post Jun 9 2013, 04:03 PM

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QUOTE(Pink Spider @ Jun 9 2013, 04:00 PM)
blink.gif  rclxub.gif
*
very cryptic... sad.gif tak faham langsung..
SUSPink Spider
post Jun 9 2013, 04:11 PM

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I think I know liao...picture taken live on Harian Metro and/or Buletin Utama laugh.gif
SUSyklooi
post Jun 9 2013, 04:18 PM

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QUOTE(JinXXX @ Jun 9 2013, 04:03 PM)
very cryptic... sad.gif tak faham langsung..
*
in chort..if sill hv a lot of battery life...go enjoy and hv fun and thrill. the place for "thrill" that were suggested by the sifu can minum, pegang,pegang, touch here and there...the plastic bag is to cover the face just in case the "mata" come with news crew and hv to board the black maria truck cool2.gif
JinXXX
post Jun 9 2013, 04:20 PM

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QUOTE(yklooi @ Jun 9 2013, 04:18 PM)
in chort..if sill hv a lot of battery life...go enjoy and hv fun and thrill. the place for "thrill" that were suggested by the sifu can minum, pegang,pegang, touch here and there...the plastic bag is to cover the face just in case the "mata" come with news crew and hv to board the black maria truck cool2.gif
*
ohhhh..... that one ah.. batt life still got alot but $$$ not many.. so cannot have fun
JinXXX
post Jun 9 2013, 04:22 PM

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any funds with exposure in US/developed countries that has

Berkshire Hathaway’s shares ? especially class A one ?
SUSPink Spider
post Jun 9 2013, 04:22 PM

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delete tongue.gif

This post has been edited by Pink Spider: Jun 9 2013, 04:23 PM

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