Bug them about it... Apr div should be in long time already.

Pretty hard to bug AMB.. probably FSM then

How long has this been running?


This post has been edited by wodenus: Jun 3 2014, 11:44 AM

How old is old?

So everyone who had KGF units last year.. how long did it take for the dividends to be paid?

AMBond used to be the best performing bond around... I remember it was fully subscribed once.

LOL yes it was AmDynamic Bond .. you have a better memory than me

How does a negative return work, do banks charge you for saving money?

KidSave is kind of flat now right?

Depends, some banks you can cancel the FD but you won't have any interest added. So as far as liquidity is concerned, they may both be the same.

"Slightly" depends on how much you have invested. 0.4% of Rm500,000 is an extra Rm2000 a year over ten years that is Rm20,000 People only DCA when they can't stand to lose money. It reduces short-term risk at the cost of long-term gain.

DCA is better than not investing, but not better than lump-sum, as far as long-term capital growth is concerned.

This post has been edited by wodenus: Jun 16 2014, 02:46 PM

What's wrong with it? for long-term capital growth, lump-sum is always better just like buy in cash is better than HP, in the short term you take a big hit, but in the long term you come out ahead

Based on that guy's study? and many others.



The point here is to increase long-term profit, not to decrease volatility.



Yea it's more risky in the short-term but then we are talking about profits not risks.

http://www.moneychimp.com/features/dollar_cost.htm

http://ibd.morningstar.com/article/article...Id=12,%20brf295



It's actually all about perceived risk than actual risk. People DCA because they can't stand to lose money. Maybe it's better if they lump-sum and manage their mental state instead of their money

The point is this.. do you believe that it is going to go up? if yes, why aren't you all in now? if not, why are you in at all? the market won't be so volatile that the edge you get in investing small sums at market downturns can beat the edge you get being invested with a large sum as the market rises.

It just makes you feel better. It doesn't make you more money, but it makes you feel better psychologically.

Also, who is going to DCA your account after you are dead.. you have to consider that as well. Suppose you DCA your account.. maybe you have a beneficiary account in your son's or daughter's or nephew's or niece's name. He/She is a year old now.

Stick Rm500,000 in it, with your fund manager, and a clause in your will that says this money you can't touch for 50 years. Next year you are in a traffic accident, or have a heart attack and pass away. Your money is still safe, in 50 years' time your beneficiary is a multi-millionaire, won't have to worry about retirement.

If you have say Rm10,000 with your fund manager, with plans to invest Rm500,000 in your lifetime and the same thing happens, your beneficiaries won't nearly be as rich, you can't guarantee that they won't spend the money that you leave to them.

That's something you have to think about.

This post has been edited by wodenus: Jun 16 2014, 04:57 PM

But then again... 450K in an FD in MBSB or BR... is also perpetual, depending on expenditure.

Rm450,000 x 4.5% = Rm1,687 a month. Not too hard to survive either considering, but of course UT is usually more than that, and we always want more profit out of it



This post has been edited by wodenus: Jun 18 2014, 01:34 PM

Yea, that means 200K would be worth 580K.. 400K now would make you a millionaire

Bleh.. They charge 0.70 with FPX.. and their news is not up to date even

I mean think about it, suppose you put in Rm1000 at 1%. You save 1%.. that is Rm1? okay so you save Rm1.

Now you want to put in say Rm200 every month.. and then you get charged Rm0.70 every month, that's like Rm8.40 a year.

So you are going to spend Rm8.40 a year.. to save Rm1?


This post has been edited by wodenus: Jun 18 2014, 10:04 PM

Doesn't change the point, it will be Rm16.80 in two years, so you will still be spending RM16.80 to save Rm10

Which MF can gain 50% in one day lol

Wow so it's not Rm0.70, it's Rm2?