abg gark, would low coal price still contribute to TNB bottom line? coz I think they now have imbalance cost passthru program that pass back the cost variances to the customers

I know your poison.. you like to play bagger one!

Coal has been dropping for the past 1 year... your electricity rate got drop or not?

Cost pass through mechanism protects TNB if sudden rise of fuel cost, but if reverse.. it goes down much slower.

Of course.



Was there any reason for FRONTKEN to go up 100%? why would someone buy it at 0.17? What does that someone see in Frontken at 0.17 that makes him want to buy it?



Isn't that like saying if you think it is better to take public transport, you should not waste time learning to drive? even if you take public transport, I think it would be a good idea to learn how to drive. Knowledge is never wasted anyway right?

Sure the risk i can take.. risk is not much to me if there's a return.. but if there is a return. I'm not asking anyone to show me how they make money.. but how they know how much to spend. I understand how salaries and FD works - you get RmX.. you spend RmY.. you save RmZ. Next month, same thing happens

But if you are trading.. you make RmX today.. what is the Y and Z ? end of the month how do you pay your bills?

Lol you are as confuse as they come to stock investing... 1st time i see such argument

Never mind I will feed the troll...

By investing you are attempting to do as below....

You get RM X from your salary .. you spend RM Y and INSTEAD of saving RM Z , you INVEST them.

From the investment of RM Z, you invest/trade/speculate (or whatever that floats your boat) and get gain .. or loss.. repeat and rinse, while keep adding to your RM Z from your monthly extra. It still stay as RM Z.. it does not goes away.. unless you lose it all..but highly unlikely if you have stop loss strategy. You WILL win and lose from time to time.. the trick is to make sure you win MORE than you lose and thus will get gains. As the RM Z snowballs get bigger .. so does your net worth.

No questions on how to pay your bills here.. and .. never play margin.

By putting all your money into FD, you WILL lose purchasing power over time due to inflation.. and or the recent flavor of the day.. currency debasement. It's a slow and painful.. but unseen death.

This post has been edited by gark: Sep 12 2015, 01:03 PM

Yes kind of confused



Not a troll just confused lol



OK but what if you have an emergency (like if your house burns down, or you lose your job in a downturn or whatever?)

Always have an emergency fund.. i would suggest 6 months salary in savings, FD or bond fund. Never to be touched. Also to be adequately insured, i would suggest medical plan, term life, PA and maybe house insurance depending on your needs. Never buy unit linked insurance plan or over insured.. thats a road to the poor house.

Investment can be a huge word, it does not necessary mean only stock market.. it includes FD, Bonds, gold, funds, ETF, property and stocks, each has it's own merit. Heck there are people who invest in art and wine.. Not all is suitable for everyone. Even for stocks there are different combinations, REITs, growth stock, dividend stock, value stock...

I have a combination of all the above in different percentages. except art and wine LOL!

This post has been edited by gark: Sep 12 2015, 01:10 PM

Ok so you are basically saying that if your house burns down and you lose your job you can survive on that for the rest of your life?



So why do you buy what you buy? like that other guy said "if you bought Frontken at 0.17" but what makes someone think "I'll just buy Frontken at 0.17" ?



So the stocks and bonds that you bought, what made you buy them?

Emergency fund is to tide you over for short term.. you can always look for a new job. You cannot work forever right? Otherwise if your investment can give you decent income, then we live on our investment, that is called financial freedom. Or worse case you can slowly liquidate your investment (within 6 months) to tide you over if required..

Different people have different strategy.. i cannot comment on others. You must have your own convictions, not every investment is suitable for you. I for 1, will not buy until I have done in depth study on a stock or it fits my overall stratergy.

I buy them so I can get capital gains to grow my net worth/income generation potential instead of relying on monthly paycheck, it is one of the ways to get financial freedom. And also as you get older you move your capital gain stocks more into income generating stocks/bonds which is less volatile to 'fund' your retirement.

Yes. The reason is this is a goreng stock. People goreng to make money. Of course there is fundamental, but I don't think the wide swing can justify that. Short word - speculation

Maybe driving is not a good analogy. You should use teleport as a reference.

FD is taking a public bus from JB to Kangar. Takes a whole day

Stock trading is taking a teleport from KL to London. Takes 2 second

Risk of taking bus - low, but you will get there eventually. Could be a waste of time

Risk of taking teleport - high, but you zip thru the world in no time. And enjoy life

Ask yourself whether you are willing to take the risk of disappearing from this world first before you talk about knowledge


You are confused.

You should set aside an amount which you can lose without affecting your daily life. That is your gambling money. This amount of money even if you lose all, it should not affect your financials

Of course, there are traders who sailang. They don't plan too much. They see opportunity and use 100% of what they got, even borrow 200% money (1:3 margin) to trade. If they make it, they win big. If they lose, they are in debt. That is the risk they take like a genting gambler

The above are 2 extreme of traders. It comes back to your risk appetite which one you want to be

From what I understand of you, I don't think you even want to be a trader at all. You don't have the risk appetite. Gamblers need big balls. They don't ask confused questions like you.

You should be a long term investor in stock market. Study a stock for its fundamental, invest for dividend yield and also slow steady increase in share price. Don't bother about short term price fluctuation. Just hold long term

But what if you can't find a new job? what if you are involved in an accident and lose a hand?



I see.

The problem is that I have done some serious studying in the local market, and i have not found, over the past 30 years or so, an investment that will consistently provide better-than-FD yields. In most countries yields (even for stable companies) are much better than FDs (or CDs) but here yields for stable companies are typically lower than FDs. Take for instance the US - CD rates are 0.5% - 1.5%, Yield for something stable like Con Ed is 4.17%. In the UK FD rates are the same, but yield for Royal Mail is 4.46%. In KLSE yield for Tenaga is just over 2%, Pos Malaysia I think is about the same.. but FD rates are 4.2%.

So what is the case for yield investing in the KLSE?

Ok so would you know a good blue-chip stock with a dividend yield that is significantly better than 4.2% ?

Wow u guys spend the weekend entertaining the confused troll

My 10 second google search show me there are 8 of those which fit your criteria

Bro, do your own research lah.

If you are so skeptical and scared, want 100% sure thing, I can tell you stock market will disappoint you one....don't waste your time. Stick to your FD. You are not alone. There are many people who feel FD is the best. Nothing wrong

Very free mah....

By the time you think2 and thinkX10, the price of the export stocks have gone up leaps and bounds, even during this bear market.

Google Lattitud, Liihen, VS, SAM, Magni. Even Poh Huat which went down a lot one time.
FLBHD also has gone up past 1 week.

The bluechip stocks, ie index stocks, up and down. WHen down, EPF and gang will push it up. Buy when down, sell when EPF push up,3% to 5% nett profit, intraday also can on good days.

By the time you quarter way thinking, people get 5%, 10% profit already. Havent count dividends yet.

Ok-lah, give one tip, Padini's dividend is at 7% at the current price of RM1.40. When market was dropping badly, it's lowest was only RM1.28, unlike others which can give heart attack.
Scores of stocks have dividends more than 4.2%, even the reits do that.

This post has been edited by eaglehelang: Sep 12 2015, 09:57 PM

Don't u guys find it creepy and fake when someone writes something cynical yet ends the sentence with a ?

Is this the case of cannot read or dont want to understand? I have already said please get adequately insured in the past posting. Anyway god forbid if i lose my job and hand tomorrow, my investment income is more than enough for my family to live on.

Past 30 years? LMFAO! If you had just put your money in a good blue chip like pbbank, your yield on cost will be likely double digit %. Not to mention triple digit % capital gains. Come on no need to brag on us or uk stocks, you are not the only 1 who invest internationally.

He wants to educate you gamblers.. insaflah...

Niasingh u