If you have more than a million in EPF, you can withdraw at any age every 3 months the excess cash (> RM1M) you have in EPF.

1. Contact Client Investment Specialist like Eugene
2. They will figure out a way for u...trust me, cos I did a FREE transfer before

This post has been edited by Pink Spider: Jun 11 2013, 07:23 AM

Japan stock market went down 20 years ago and did not go back up until recent movement with Abenomics policy.

My target is 10% IRR. So far more or less achieve it with my PM portfolio that I have invested over the last 9-10 years.

U have to get used to the "new normal", 10% annualised return is a thing of the past the way I see it.

Or contact Andy. Please make sure it's FREEEEE!

Zzzzz

I was expecting around 10% too. But I'm happy with my current return too. Well, almost..

1 month -7% pacific equity, asian smaller cos, thailand equity, japan smaller cos

Past few weeks, OSK-UOB GEY and Pacific GSF outperformed the rest of my equity funds

...cos the Ponzi finally corrected?

This post has been edited by Pink Spider: Jun 11 2013, 09:22 AM

aw.. the I enter wrong timing?

why, ur Quantum in red? Mine still healthily in black, IRR 50%+

Oh.. ponzi? That one dat one 6% gain. Those I have listed earlier are sg funds.. T.T

Yeah.. at the peak.. Japanese stocks were PE 50x, selling at 20x book value if you buy then of course you deserve your loss as you are buying due to greed.

If you invest, make sure you do your research first. Similar as if you bought at KLCI peak of 1997, or Nasdaq peak of 1999 you will need >10 years to recover those money.

Never time the market, buy according to valuation.

This post has been edited by gark: Jun 11 2013, 10:08 AM

Couldn't agree more on that. Bought japan fund when it is rallying.. lol.. now drop dead

What is the new normal? Lower or higher? BTW, my profit so far at 60% with IRR at 10.03% as of June 1st 2013. Highest IRR is PFSF @ 17.5%, 1st invested in Nov 2004. But then I gain more from swithing out and in duing 2008-2009 meltdown than pure buy and hold play.

I mean u should expect your IRR to drop going forward

Of course there are reductions, but not significantly koyak lah. I don't really look at short term profit.

Well, I do not intend to give it up, perhaps increase it further. Let revisit this after a few years and see if what you said is true.

I contacted the Client Investment Specialist and filled up the assessment form. This is his recommendations for me.
What do you guys think?
Would it be difficult to keep track of so many funds in the first place? Roughly how many different funds do you keep normally?


Fixed Income Region / Market Suggested Allocation
AmBond Malaysia 20%
Hwang Select Bond Fund Global (Asian Focus) 10%
OSK-UOB Emerging Markets Bond Fund Emerging Markets 10%

Equity Region / Market Suggested Allocation
Pacific Global Stars Fund Global 10%
CIMB-Principal Global Titans Fund Global 10%
Eastspring Investments Asia Pacific Equity MY Fund Asia ex-Japan 10%
CIMB-Principal Asia Pacific Dynamic Income Fund Asia ex-Japan 10%
Eastspring Investments Global Emerging Markets Fund Emerging Markets 10%
Kenanga Growth Fund Malaysia 10%

8-10 funds about right lar IMHO

U can always start with 5-6

This post has been edited by Pink Spider: Jun 11 2013, 02:56 PM