Generation Y and/or Z has FAMA foundation.

Generally, they tend to enjoy what they earn.

Very true...i can see this happen alot in my uni..parents give 1.5k , by end of month tinggal less than 50 only

ahem ahem - build first, THEN spend within 3%pa
NOT spend first, then build yar

I have it nice and comfy til uni...then now my turn to suffer. Cos my parents got no savings and EPF fully used

T.T I see my dad help me with FAMA scholarship, i also kelian d..


I meant when i am 35:P

Takpe bro...we save, then by 30 we help them and we also enjoy haha
Suffer now, enjoy later

Ur siggy, very good life lessons.

That's one of, at least 3 ways, to do it
hint hint that's entire portfolio-style WITHOUT CAGR expectations and cost expectations

tunjuk ajar ku seefoo

real sifu = author of the book
go buy

see-food (eat food) only converted it to Excel heheh.
Wait - snapshot for sharing later in this post.


If i share the Excel - i worry most folks wont know how to use unless i write a "mini manual".
i too dang lazy.
Ok ok - XLSX here in ZIP format BUT pls go analyze yrself them formulas ar
Simple concept = YELLOW CELLS are for U to type in your variables
Pls dont expect mini bible manual - go understand them formulas AND make the sheets your own

Provided 2 worksheets as eg

1 for ETF CIMBC25: buy/sell cost about 1%+, expected 8%pa CAGR, expected sell trigger 20%, per period = 4 mths, minimum transaction RM2,850
VS
1 for mutual funds via FSM (hey, we are on FSM thread right): buy cost about 2%, Sell cost 0%, the rest is the same for easier comparison and easier example for me
Lazy...
 Value_Averaging.zip ( 243.23k ) Number of downloads: 74


This post has been edited by wongmunkeong: Sep 2 2014, 04:36 PM

i would want an ecel..
but for funds, how to we do VAI?

So fueled up since first time investing in something different than public mutual, until every hour refresh email for purchase receipt..

Until now still dont have never process yet haha

These abbreviations, u got a link for this abbreviations like vai, cagr etc etc...? I ask this to fsm, until now no reply haha

sama sama jadi Financial Independent..


Err.. haha
Well, my 1st few days too..
but it will be processed tmrw i think.. haha
Unless they give u VIP access..
Chill man.. haha the RSP is on the 15th of every month

No la, but if you start to read and ask when you don't know, i can TRY to help..

Unless you open a thread and start compiling!

No worries..im chilling..

Very well then

What is RSP, VAI,

And also CAGR in wongmunkeong 's reply?

RSP Regular Savings Plan
VAI Value Averaging Investing
CAGR Compound Annual Growth Rate

IS it allowed to like upload the book?

Value Averaging: The Safe and Easy Strategy for Higher Investment Returns

I found it online..
I just wanna share..

Thanks

Most probably illegal to upload, but still pm me link