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 Fundsupermart.com v4, Manage your own unit trust portfolio

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lunarwolf
post Aug 9 2013, 11:17 AM

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QUOTE(wankongyew @ Aug 9 2013, 10:48 AM)
Do you not rent out your property? If you do, managing renters can be just as troublesome. Confrontations over slow payment or unpaid rent, property damage, snowballing utilities bills, negotiations over rental rate increases, maybe worrying about tenants sub-renting rooms to others you don't know etc.
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All the above listed can be solved by signing a agreement with the person you rent your property to. U dont need a lawyer, juz Rm15 for the stamp.

The only downside about property investment is that u need bigger capital compare to UT. Well u can start UT as low as rm500, but as of property if u dont have rm50k then dont even think about it, and with that u still need to calculate for bank interest to see whether your investment is worth of all the bank interest u are paying
lunarwolf
post Aug 10 2013, 09:26 PM

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QUOTE(Pink Spider @ Aug 9 2013, 09:04 PM)
I feel tempted to lend a word or two into this argument:

Traditionally, stocks mean ownership of a company. Only wealthy ppl and/or ppl with excess wealth would purchase stocks, to own a certain % of a company and to participate in its profits and decision-making. Hence, if stock prices went up, it's bcos ppl are willing to pay more to own it. If u can't afford it, then don't buy, u won't die/suffer without owning stocks.

Whereas for properties ESPECIALLY residential properties, the original intention/purpose of residential properties is to provide a shelter to ppl. But greedy ppl went to speculate and push up property prices, causing ppl who need a house to pay more. Don't u property investors believe in karma?
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I think people went into property for investment because there are some hole within the system.

Property developer tend to cover the interest for you until your unit is fully built. Usually the property took around 2-3 years to completed its construction and during this period of time no interest charge on you. Investor can easily foresee the price of property in penang, kl and iskandar area. So in other words with small capital only and borrow a huge amount of loan, they can easily getting a big earning in it. Imagine with RM50k capital and RM350k loan from bank, they can earned up to rm400k within 3-4 years. Bank Negara already looking into this "hole"

I read an article not too long ago, this investment is actually having lower risk compare to stock market or UT...

This post has been edited by lunarwolf: Aug 10 2013, 09:27 PM
lunarwolf
post Aug 22 2013, 11:08 AM

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QUOTE(gark @ Aug 22 2013, 10:52 AM)
ASEAN countries are taking most of the damage... sweat.gif One after another like dominoes..
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1998 world economic heading south

2004 only asia economic heading south

2008 world economic heading south again

2014 asia economic heading south again? shakehead.gif
lunarwolf
post Aug 28 2013, 11:18 AM

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The world population is growing in the past and the most important thing is food. This fund should have a bright future, even economic crumble we still need food right? But data show the other way round... blink.gif

http://www.fundsupermart.com.my/main/fundi...lnumber=MYAMGLA
lunarwolf
post Aug 28 2013, 12:15 PM

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QUOTE(yklooi @ Aug 28 2013, 11:24 AM)
i think "climate change" has a more serious impact than this, what do you think? but what has the world really did that has real impact about this till now to tackle this? just think about it
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QUOTE(Pink Spider @ Aug 28 2013, 11:31 AM)
at the same time u have crop problems, min wage policy, rising cost of production, rising cost of logistics...all sorta problems
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But then on the other way round shouldnt that crop problems/etc causing direct impact to the price of the goods due to shortage and thus push to price up? I know things like sugar, flour, rice are a price control product in malaysia but in some other country they are not.

http://www.heraldsun.com.au/archive/news/w...f-1225991126558
Maybe inconsistent yield make this fund kind of hard to predict. Or maybe we cant get the yield in just a few days, like rice at least 3 to 4 months needed just to get the product itself. Too much time wasted just to get something which is not so much profitable.
lunarwolf
post Aug 28 2013, 01:04 PM

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QUOTE(s_kates81 @ Aug 28 2013, 12:43 PM)
I m in a dilemma right now. For the past few months, I've been doing weekly DCA. But since the markets worldwide are in down slides more and more, is it a better idea to stop DCA and wait for all the blood shed to finish? And once markets start to recover, fire a bazooka to average down in one shot, or start weekly DCA again then?
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Well I do hope the US market heading south till end of september, then I can get a good price on my company share tongue.gif
lunarwolf
post Sep 2 2013, 11:53 AM

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QUOTE(TakoC @ Sep 2 2013, 08:19 AM)
Yup. If you compare the past years, Sept has always on the down side smile.gif
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Is it because budget gonna get announce on October so investor take some precaution on the market? hmm.gif
lunarwolf
post Sep 3 2013, 05:51 PM

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QUOTE(Pink Spider @ Sep 3 2013, 05:44 PM)
AmDynamite kena kao kao cry.gif
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AmDynamic seem like dropping down the most, my RHB islamic bond also not doing very good... mad.gif
lunarwolf
post Sep 18 2013, 10:04 AM

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FSM: Something big is coming stay tuned?


They will be having mega sales soon? icon_idea.gif
lunarwolf
post Sep 18 2013, 12:30 PM

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QUOTE(Pink Spider @ Sep 18 2013, 10:08 AM)
At first I wanna buy something last nite, but seeing this, I chose to wait biggrin.gif
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Everytime when i finished top up, sure they will give some promo...guess they dont like me at all mad.gif

There still some time to go before i get my bonus, but still i have some bullet left for some shopping spree rclxms.gif
lunarwolf
post Sep 21 2013, 09:18 AM

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QUOTE(kkk8787 @ Sep 21 2013, 07:53 AM)
Osk uob asia pacific fund dun seem to be doing that well compared to other asia pac funds ah...wonder its due to the japan exposure not...tot wanna ride on the japan olympic but din seem to work
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Well japan already having most of the world class facility so they dont need to pure in much resources to "upgrade" it. Unlike south africa, greece or brazil.
lunarwolf
post Oct 2 2013, 12:33 PM

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QUOTE(yklooi @ Oct 2 2013, 11:26 AM)
What A US Shutdown Means To You
The US government has failed to agree on a federal budget so it has effectively stopped providing all but essential services. The technical term for this is a shutdown, which sound more terminal than it really is.

That’s because since 1976, the US government has shut down on 18 separate occasions. Six of those shutdowns occurred in the 70s; eight happened in the 80s and three in the 90s. There hasn’t been a shutdown since 1995, which was when President Clinton occupied the Whitehouse.............
............In times like this it is easy to fall into the trap of panicking along with the naysayers. But remember this: While some parts of America may be closed for business, it is business as usual elsewhere in the world.

http://www.fool.sg/2013/10/01/what-a-us-sh...s76yhocs0070001

(click "refresh" if prompted to login)

hmm.gif  Mid October...Depth Ceiling negotiation crisis?? sweat.gif  sweat.gif may lead to credit rating downgrade?? doh.gif  sweat.gif
well that is another thing to worry about....But for now, let's enjoy what we have...just keep the ammo dry...
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From the news they stated statue of liberty, museum and cemetery been shutting down...

Half of my ammo already going into msi just few days ago, not a good timing...
lunarwolf
post Oct 2 2013, 03:20 PM

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QUOTE(Pink Spider @ Oct 2 2013, 01:34 PM)
MSI? Apa tu
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sry i purchase via etrade, actually msi is a code name for employee stock plan...

msi = motorola solutions. Seem like the price is going up yesterday due to Motorola Solutions Expands Enterprise Android™ Portfolio
lunarwolf
post Oct 26 2013, 09:05 AM

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QUOTE(yklooi @ Oct 25 2013, 05:09 PM)
unconfirmed report

#MyBudget2014 RM500 one off for 20 to 30 yr olds who save RM1000 a year in the Private Retirement Scheme. This to go on for five years.
4:56 PM - 25 Oct 2013
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If every year rm1000 and they top up rm500 every year then is worth it.

But if rm500 is only one shot then maybe have to rethink due to the money will getting lock down
lunarwolf
post Oct 26 2013, 11:31 AM

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QUOTE(yklooi @ Oct 26 2013, 09:53 AM)
Najib also announced the one-off incentive of RM500 to EPF contributors who participated in the Private Retirement Scheme.

The incentive would be for those with a minimum cumulative investment of RM1,000 within a year.
“The incentive, which is available for individuals aged between 20 and 30 years, is expected to attract 420,000 youth contributors nationwide. It will be implemented from Jan 1 for a period of five years involving an allocation of RM210mil,” he said.

http://www.thestar.com.my/News/Nation/2013...ntribution.aspx

so I interpret as every year for 5 years....how do you interpret it?
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To me the term seem to be not very clear, I interpret it as rm500 only given one shot and the "promotion" will be available for 5 years meaning as below:

1st year: i contribute rm700 on that year, so no incentive
2nd year: i contribute rm1200 on that year, so got rm500 incentive
3rd year: i contribute rm2000 on that year, no incentive since i already gotten it on 2nd year

Uncle looi seem like you cannot participate? Because you already pension and not epf contributor anymore tongue.gif
lunarwolf
post Oct 26 2013, 12:10 PM

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QUOTE(yklooi @ Oct 26 2013, 11:35 AM)
yar lor....missed 50% profit for RM 5000 investment  doh.gif

think have to wait for the postings of those forummers that attended today's FSM seminar....maybe have clearer news
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If you have son or daughter and they are above 21 years old but still study, then maybe can purchase under their name... U know, make full use of this "promotion" smile.gif

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