EPF holds 51% in FII (low interest rate) -v- ASx holds 70 - 80% (generally) in Equity (listed on Bursa) which can give unlimited upside

Perhaps u may consider PTPTN

Well, not only you feel the impact, me as well..

I can feel the diminishing value of RM with the rising cost of living..

Monthly savings are taking a slight drop, the price of eateries has gone skyrocket, now i am also looking forward to extra alternatives.. 

RM took another dip today.

I have been saving, practising delay gratification etc to build up my wealth. Now with the RM dropping by about 20% (3.2 to 3.8), my wealth is taking that -20% hit (impact is via kids' overseas education).

Solutions:

Change to US, Aust etc currency?

Invest in gold, silver etc?

Ask nicely first and later force that guy to step down?

Make friends with wealthy Middle East tycoons and ask them to donate RM2.8 billion to my account?

???

again ASM on saleeee

Lol why. I tot u have it already?

Full time student with part time income from online sales. Very small (about Rm100/month if it's good. If no, then just rm20/month or sometimes zero)  Let's call it a hobby of mine maximising returns and learning new ways to make money legally. Have yet to try out stock market and UT. Or maybe I am too obsessed with getting rich. Haha...

Initially was just doing FD at board rate for years. Then decided to step into LYN Finance section. Voila. Learn about promo rates. Decided not to be "generous" to the bank.Why should I help banks to become richer by placing at board rates or placing at not so high promo rates? Get the best deals. Join musical chair or rather go with affin promo. The highest rates with pidm in town. Found GenX's blog and Read all of Gen-X's post from start until finish and got a burning inspiration from him with new knowledge. Banks and government must work for you and not you who are working for the bank/government (giving banks/goverment free money). The inspiration is still there.

Still not satisfied. Check out ASX thread. Then decided to try open ASM.  Now feeling quite satisfied. But next on the list is going to learn stock market to buy reits.

Decided to stick around and help others.

I have seen my friend who shops like Rm700+ of shoes and clothes and then complain no more money. Try helping out some friends by giving them some advise, no one was interested except one. So that's that. I just keep quiet and go about my own ways.

Goal in life is retired and live off and interest or dividend without touching the principal and taking my parents on overseas vacation at least once a year. The least I can do for them. Fancy cars, foods, shoes and clothes does not interest me. One must give something to gain something. Nothing is free in life. One gives up the enjoyment of life now and reap the fruits later. Also be healthy now, rather than be sickly when you are old.

Until today I don't event know how to play dota. well I did play counter strike and call of duty against bots. That's about it

Why should I go watch crappy movies? I usually go for marvel movies and movies which friend said are good. Tgv ticket are RM14. The last I checked (few months back). Besides I usually go and watch when the movie is not so popular anymore. Less people,  less kids screaming, less people with phone on, less people walking up and down.

Second, watching movies mean you are supporting MAFIAA of  America. They are not somebody you want to support. There's always free WiFi at Starbucks.

Thanks for the recommended book.  Will look into it.

Thank you, Plumberly,... for this initiative. Writing would be more effective, if they reply. I asked them verbally and they said to just wait for any related public ann't, if there is. Please update us on the official reply from PNB.

It's really up to the individual. You'll always have those with strong opinions with hopes of influencing others either way. At the end of the day, each investor needs to think for his/herself because whatever happens is as a result of your own-decision making and blaming others is just an escape route from looking at one's self.

For me, the extension is a given. I'm a realist and standards/laws are enforced by regulators who at the end of the day are answerable to the government of the day. And who runs governments? Politicians and the will of politicians is not something that should ever be underestimated.

If you feel uncomfortable that the extension may not be given than by all means, cash out and invest somewhere else. One man's meat is another's poison so there will be those who are hungry for the units you just cashed out on.

Who laughs last in the end? Only time will tell. How many are laughing or regretting now buy following/not following the "herd" when AS1M launched initially?

Investment in ANY form is a risk, and that's it. There's nothing guaranteed in this world other than death and taxes 

Eh, I thought you signed off from this thread already?!

We will await your next post.  By the way, if they don't reply your email, what are you going to do next?

If u notice, dreamer101 didn't share the pros n cons of diversification
His ony conviction is he dun trust Putrajaya which is the MAIN objective to diversify

I wud rephrase 'national service'