In that case, by default if we can maintain cash investments of roughly 50% of the value of our EPF (assuming no withdrawals made before), we should be doing fine?

I.e.
EPF = 23%
If cash investments about 10-11%, total of EPF + cash investments = 33%

US futures look very red...

Economic indicators are not looking good...

Which means...Fed rate hike won't happen anytime soon...

Federal Reserve officials gather in Washington for a two-day policy meeting. The central bank is trying to determine whether declining oil prices, a slowdown in European growth and any fallout from the Greek elections will threaten the U.S. recovery as it considers raising interest rates. Chair Janet Yellen told reporters after the last meeting not to expect higher borrowing costs before the end of April.

Your EPF Savings alone are not likely to be enough to support your retirement. A higher life expectancy, low salary and an early retirement period at the age of 55 years will use up your EPF savings within a short period of time.
Since the EPF was established on 1 October 1951, the age for withdrawing one’s entire EPF savings has remained at 55 years though the life expectancy period of Malaysians has increased to 75 years. This means that your EPF savings has to last for 20 years after your retirement period.
The 2013 EPF statistics for members aged 54 years revealed that:
 69% of members have savings of RM50,000 and below;
 54% of members have savings of RM20,000 and below; and
 Only 31% of members members are still working at the age of 54 years.
This amount of savings will not be able to support you for 20 years after your retirement period.
http://www.kwsp.gov.my/portal/documents/10...14_28052014.pdf

In today's term, I just need roughly RM2K+ a month to survive (no car loan, no home loan, no dependent)

RM500K to retire?

U.S. stocks tumbled as a drop in durable-goods orders and disappointing results from Caterpillar Inc. to Microsoft Corp. heightened concern about the economy’s strength.

Orders for business equipment unexpectedly fell in December for a fourth month, signaling a global growth slowdown is weighing on American companies. Bookings for non-military capital goods excluding aircraft dropped 0.6 percent for a second month, data from the Commerce Department showed. Demand for all durable goods -- items meant to last at least three years -- declined 3.4 percent, the worst performance since August.

Slackening demand from Europe and some emerging markets is probably weighing on orders, making companies less willing to invest in new equipment.

A separate report showed home prices in 20 U.S. cities rose at a slower pace in the year ended in November, a sign the industry struggled to find momentum even amid low mortgage rates. The S&P/Case-Shiller index of property values increased 4.3 percent from November 2013 after rising 4.5 percent in the year ended in October.

Who is thinking top up now?

Even with yesterday's market slump...my portfolio actually went up!

Means...Ringgit really koyak-ing

cimb apdif and abardeen word islamic are doing very well now, especially cimb apdif........... wonder this is a result of the market crash that happened earlier or normal performance of these two funds??

I read the 1st post, it mentioned the NAV price bought will be T+4 for most funds. So does it means the unit price I bought that instant will actually be 4 working days later?

Appreciate gurus help here.

So can I say that I will be purchasing today's NAV if I transfer before 3pm but the units purchased will only reflect in your account after 4 days?

Germany’s inflation rate turned negative in January for the first time in more than five years, aggravating a slump in consumer prices in the euro area.

Prices in Europe’s largest economy fell 0.5 percent from a year earlier, the Federal Statistics Office in Wiesbaden said today. That’s the lowest rate since September 2009. Economists predicted a drop of 0.2 percent.

“Euro-zone inflation is likely to stay negative in the first half of the year before base effects and the lower euro exchange rate could return rates into modestly positive territory,” said Christian Schulz, senior economist at Berenberg Bank in London. “A return to the ECB’s 2 percent target remains a distant prospect.”

The outlook for lower inflation is boosting bonds as it preserves the purchasing power of their fixed payments. Underscoring that point, Germany’s 30-year yield fell below 1 percent for the first time on record on Thursday.

The euro-area inflation rate was probably minus 0.5 percent in January, according to a separate Bloomberg survey. Eurostat, the European Union’s statistics office, will publish the data on Friday at 11 a.m. Luxembourg time.

  16.32% was about right.....IRR 427.39%?      "kesian" those regulars here that posted their IRR <10%?

If Ponzi 2.0 is for the long term.. why don't ust put in CIMB PRS?
Which invest in ponzi 2.0..
Lower SC charges again..

i have..      haha super volatile.. must have for bulls.. sell when bear..

  not so ponzi fund like last time already..