How you know when is the price low?

How low price is considered low?

Before u ask more questions, go read Post #1 THOROUGHLY

“ You certainly won’t get rich quick. But it’s about as close to ‘buy low, sell high’ as we’re going to get without a crystal ball. “
- Michael E. Edelson, Ph.D. ( author of Value Averaging )

Value Averaging
The secret of investing in UT

Look forward somewhere in July... If drop, I will topup further to average down the cost of investment. Otherwise just watch and review what to do.... Huhuhuhu

Till now... just know how to buy only. No sell experiences. Hihihihi.

大家投资，都只是为了赚更多的钱，就这么简单。

看了这贴，让我有了这样的看法。

一只信托基金，持有了上百只股票。的确，是降低与分散了风险，相反的，也降低了回酬。持有那么多只的股票，降低风险这码事我不认为是基金经理的功劳，而是基金本质（投机性如对冲基金别拿来谈）。

我今天把一百万块交给基金经理帮我投资，我不是要基金经理把钱分散买一百只股票降低风险，我反而更想看到的是他把钱集中起来只买十只最具爆发力的潜质股。如果基金里做不到，那么我倒不如把一百万去买三十只指数股？基金经理真的做到了吗？比如说他们推出的PSA30F，该基金只精选三十只股，但大家也不难发现其实他们也是在买蓝筹股，表现如何？他跟指数基金的差距又是多少？那倒不如直接投资ETF，各种收费不是更便宜？

一个人每个月存两百，每一年买一些蓝筹股的票，到头来回酬也不比基金逊色。懂得看基金财报的人，应该都看得懂上市公司的财报。一年里都会有不少投资银行给某公司进行分析与预测，报章就找得到，资料也不难找，可以参考。反而，基金经理看上什么股，攻还是守，只有他自己知道。

每个游戏都有规则，既然你想参与，就得遵守，输赢也得接受。没错，你没亲自上阵，纸上谈兵也没用。有人说，得先了解基金的操作再决定要不要，试问第一次你看说明书你看透了什么？花几天的时间？又有人说，投资要乘早。怎么办？该不该花一个月的时间看说明书，花一个月的时间向代理了解，再花半年的时间去观察及等常年报告？还是听代理的话，定期定码，快点进场，不必质疑市场的走势。

应该是去年，我已经明确的说明我不会再加码了（除非有特别的原因）。所以，认为信托基金不适合自己的人，明确点说‘不’，对信托基金还抱着热忱的人就多花点心思去慢慢观察吧。事情明不明智往往都是等到游戏结束后才揭晓的。

Oh like that laa... thanks.. like that I will leave it in Cash Management Fund then... easy to get in and out right...

Correct me if I am wrong, Cash Management Fund is more liquid than Fixed Deposit right?.. and the rate is comparable to Fixed Deposit if I am not mistaken?

Any other place I can put that is liquid and safe but with high return?

corrected. FD, payable on maturity or terms on fixed % by both parties

SA can..int. can be compounded

Please understand what is unit trust and how CMF works.

CMF is NOT FD nor savings account, it is a unit trust fund THAT INVESTS SOLELY IN DEPOSITS.

CMF interest is not compounded (in fact, it is misleading to use the word "interest" in this context), but the fund manager uses the interest earned by the fund to PLACE ADDITIONAL DEPOSITS.

just a note....if the NAV of your Hwang fund dropped a lot today...dun be afraid...it may just be distribution.

Why it’s Okay to Invest Even at a Market High
......between 1983 and 2013.

Amazingly, the investor who dollar-cost-averaged at annual market peaks only performed slightly poorer than another investor who simply invested at the end of each year; the first investor would have gotten annualised returns of 9.5% while the second investor had earned 9.9%.

http://www.fool.sg/2014/06/10/why-its-okay...-a-market-high/
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add in every month would be encouraged.

ABERDEEN ISLAMIC WORLD EQUITY FUND - CLASS A hits all time high. NAV on 1.2646 as of June 18, 2014

I am those that have a tendency to spend, so this PRS with its lock in mechanism is suitable for me.

Hmmmm, come to think of it, Hwang manages my PRS money, Eastspring manages my KWSP portion, and Kenanga manages my cash portion. All in all... I am happy with such arrangement.

Xuzen

Bodoh punya Hwang orang. These are standard answers that they should prepare before hand... investors are generally kiasu wan, in cakap orang puteh.... risk adverse.

Xuzen

imo there is no difference in buying before or after distribution.

but isn't you investing same amount of money and your return will still be the same whether you bought it before or after the distribution?

well i thought as long as the price goes down (not because of distribution), it can be a opportunity to buy more units with the same amount of money?