So, it means it is "fresh" money every month, right? If yes, then is no difference.
Putting in Malaysia's bank FD will be yielding 3-4% a year. Investing in shares or trust funds are not really a good idea considering current situation. My auntie that used to look for Datuk's money for trust funds also starting to look for relatives to dump money.
Keeping cash in FD still the best way now, as when you need to use the money, your rm1000 still rm1000. But in funds or shares today you put rm1000, on the spot you lose out ~rm100.

google and found this
"Strong BUY"...according to this
http://www.investing.com/currencies/sgd-my...cal?period=week

unable to interpret the Technical indicators and summary from it...
"strong buy" means...investors are encouraged to buy SGD or MYR?...
any idea?

Okay - in laymen terms as blow :-

When we 'play' currencies, we look at a pair. Strong Buy on the SGD/MYR pair means this pair will RISE IN VALUE. When the SGD/MYR rises in value, it means 1 SGD CAN BUY MORE MYR, which in turn means the MYR is WEAKENING against the SGD, because the amount of MYR that an SGD can buy increases.

Tech Indicators - 5 different Tech Indicators are used here to predict the turnaround points. Turnaround around points are indicators for taking prfit. Howevr, these pints are not necessarily accurate.

I will not sell, I am not a trder. I accumulate and invst more into the USD and SGD mkts. But that's me,.. and my stregy. Others may be good traders, so they can go in and out.

so after obtaining the comments...(if assuming want to follow the comments),
one also have to look at the TITLE of the analysis? 
ex,..if "Strong Buy" is recommended, could it mean different things when the title is SGD/MYR and MYR/SGD...
so or the above case,...Strong BUY for SGD/MYR means ...can buy Sing Dollars...right?? 

Yes, look at title first. YES, Strong Buy would mean different things between SGD/MYR and MYR/SGD.

If a pair is, say, XXX/YYY, then always look at it as 1 unit of XXX is able buy how many units of YYY. Just carry this visualization in mind.

If it can buy more YYY, then XXX is strengthening OR in other words, YYY is weakening.

If it can buy LESS YYY, then XXX is weakening OR in other words, YYY is strengthening.

In the beginning, this may sound cofusing, but as you practise this mindset movng forward, you will become more familiar with it !

  will try to play with my mind....

Foreign investors offloaded RM852.7 million last week, says MIDF Research
By Surin Murugiah / theedgemarkets.com  | June 15, 2015 : 11:06 AM MYT  KUALA LUMPUR (June 15):

The heavy foreign selling on Bursa does not seem to be abating, with foreign investors have now been net sellers on Bursa for seven consecutive weeks, according to MIDF Research.

In his weekly fund flow report today, MIDF Research head Zulkifli Hamzah said that for the third week running, the amount offloaded was more than RM850 million a week.

“It has been the longest undisrupted stretch of “intense” selling so far this year.

“Last week, investors classified as “foreign” sold equity listed in the open market on Bursa on a net basis amounting to RM852.7 million,” he said.

Zulkifli said it was only a small let up from the RM926.1 million sold the week before.

He said that for the third week in a row, foreign investors were net sellers every single trading day of the week.

“All in, they had been selling for the past 19 straight trading days.

“As was the case in the preceding week, the amount exceeded the RM200 million mark on Tuesday and Thursday, making it 20 days so far this year that the amount had surpassed the threshold,” he said.

Zulkifli said that in comparison, daily foreign sale exceeded RM200 million on 23 occasions in 2014.

He said that last week’s selldown increased the cumulative net foreign outflow in 2015 to RM7.5 billion, surpassing the RM6.9 billion outflow for the entire 2014.

“We estimate that there is still an overhang of about RM15 billion-RM20 billion of foreign portfolio liquidity on Bursa.

“Foreign shareholding on Bursa should be close to 23%,” he said.

Zulkifli said that foreign participation (daily average gross purchase and sale) declined 16% to a moderate RM846m, the third lowest this year.

He explained that local institutions mopped up RM852.0 million last week but participation rate fell further to RM1.56 billion, the
lowest this year.

“Retailers were hardly in the market, with only RM700,000 change in net position. Participation rate of RM508 million was also the lowest this year,” he said.
http://www.theedgemarkets.com/my/article/f...s-midf-research

not every month but occasional.. its a seasonal and "on-demand" kinda biz... but sure profit.. since operation is online at zero cost (i think u all know what biz d. lol)

investment wise i do personal loans (quite big risk since i do not ask them to sign any papers or sign jpj transfer form) to close ppl so i get few % a month... but i did invest in Kenanga few K recently to support friend.......
my biz requires CASH at bad times (the rare occasion) but i can easily get interest free loans for few months if i suddenly bad cash flow...

thats why im thinking now what to do with my other spare cash... and those foreign currency i have like SGD and HKD which are on the rise...

Ringgit Nearing Asia-Crisis Peg as Zeti Optimism Not Shared

“As with other currencies, the ringgit will face a number of pressures including a strong dollar and higher U.S. rates,” said Mitul Kotecha, head of Asia Pacific foreign-exchange strategy at Barclays Plc in Singapore, who predicts the ringgit will end the year at 3.95. “Given that Malaysia is still the only net oil exporter, any rally in oil prices may alleviate some of the pressure on the currency.”

http://www.bloomberg.com/news/articles/201...mism-not-shared

1. A weaker currency will help revive exports, as Msia is dependant on commodity and electronic sectors.
2. More homestay/hotels boom up, as present TOURISM occupation/booking level is high.
3. Less local ppls travelling oversea for holiday and less ppls import items, as ppls might feel the pain.
4. More Sporean coming to here to spend more $ and more Msian go to S'pore to work and earn SGD ?

Hence, surplus >  deficit ..  Rating Agencies will upgrade rating level ?

1. A weaker currency will help revive exports, as Msia is dependant on commodity and electronic sectors.
2. More homestay/hotels boom up, as present TOURISM occupation/booking level is high.
3. Less local ppls travelling oversea for holiday and less ppls import items, as ppls might feel the pain.
4. More Sporean coming to here to spend more $ and more Msian go to S'pore to work and earn SGD ?

Hence, surplus >  deficit ..  Rating Agencies will upgrade rating level ?

Well, I wouldn't want to be an individual in the above scenarios. Even if I'm an exporter or hotel operatr, I would still suffer higher prices of goods and services that I spend on in-country.

Sure, Surplus might exceed Deficit after some mths, giving a nice CA Balance and TRade Data, however, the 'surplus funds' wil be used to save 1MDB. Fitch wil soon re-evaluate by end-June,... analysts out there are predicting Downgrade.

See the positive side of surplus with weak currency.. Hope NO politic topic, as it is not clear yet at the moment.
Many ppls does not know how to differentiate lost / low cashflow and assets in the present scenarios,
as it was not clarify yet at the moment. They found many "ASSUMPTION' comments in Social Networking/FB..
SPECIAL NOTE:-  A Person is Guilty in Social Networking unless proven innocent in court? 

Not only Fitch, but SnP and Moody rating agencies too will upgrade rating grade? As surplus > deficit , right?

USD 1.00 = MYR 3.755 

I am not depending on 'ASSUMTION' comments. I do my own research and analyes. And I commnt based on what I have done m hoework on. Furthermore, my comments are also based on what I have experienced earlier in my invstments, or are currently investing on and holding onto. Hence, these are real-life happenngs.

Don't wish to comment abt being guilty or not when putting fwd opinons in Social Media tools.

Ratings agency reviews,... see below :-

Fitch Ratings said in March that there’s more than a 50 percent chance it will downgrade Malaysia’s A- credit rating at a review due before the end of June. The company cited falling energy prices, pressure on the current account and state investment company 1Malaysia Development Bhd.’s debt as factors.

Above extracted from : http://www.bloomberg.com/news/articles/201...mism-not-shared

We'll see whn the review comes along, whether dropped to a lower rating from ct rating or elevatd. SnP and Moody's are not due for rating rebiew till later in the yr.

what u expect? 3.0?

Fitch did not talk anything about surplus from Tourism, export of commodities and electronic sectors from weak currency that also contributing a lot % in country GDP.

Fitch did not talk anything about surplus from Tourism, export of commodities and electronic sectors from weak currency that also contributing a lot % in country GDP.