QUOTE(yklooi @ Sep 9 2013, 10:40 AM)

you keep bullets in FD or FUll FEXI Mortgage loan until needed?
wow must be a long time in FD or FUII Flexi. because crisi happens very far between
btw, how do you determine when to go in? (example, is it by % of mkt dropped from its recent peak?)
did you keep invested after the crisis had blown over? or moved back the $$ to FD or FUII flexi?
if moved back...how do you determine when to move back? (example, is it after how % from bottom?)

NO NO...I started FD after i got my job in 2004 , then UT in Public Mutual during Financial Crisis when NAV below 0.25 sen especialy PCSF & PSEAF , PFEPF and PRSF via EPF and OSK (using DCA) even i be PM agent.
I dont TIME the market to enter or exit, but JUZ BUY/Save BUY/Save BUY/Save with my money i saved the time SINGLE man.
Dont TIME the market, but allocated your portfolio according value with less risk.
Bought my house Sept 2011, then i move 50% my Equity Fund to MY 1st BOND Fund as buffer for emergency money for house installment to substain 3year installment. Also another reason headline news of QE making the stock market high.
But what i know when CI peak, so to NAV fund, since i hv a house and under FULL FLEXI mortgage i utilize/allocation as my saving rather put everyting at STOCK RISK.
Im not a sifu knowing exit and entry of fund or stock. Im diversify when needed with allocate my monthly saving .
CASH alwasy is KING
I type dont buy thing that dont need, sell thing that need.