come to think about it and going by this logic....
additional cost to be incurred by the consumers are good then?

A 4% slide to $47 a barrel comes after prices soared higher to close Monday above $49 a barrel -- a nearly 30% rise in three days.
still have 26% rise in 3 days...
http://money.cnn.com/2015/09/01/investing/...?iid=H_MKT_News

Nothig to worry wor-bro...you had been doing good wor..even during last week Global rout

weakening Ringgit had been going on for a while
this article was published in May 2015
How Can Malaysian Investors Cope with the Ringgit Depreciation?
http://www.fundsupermart.com.my/main/resea...on-22-May--5873

Will Ringgit continue to drop? Strengthen? Or stay flat?.... August 21, 2015
http://www.fundsupermart.com.my/main/resea...stay-flat--6200

This post has been edited by T231H: Sep 2 2015, 07:43 PM

EPF is abt 6.x%, H/L is abt 4.x%

ok....for me.........for item #1,....I will discuss when the time comes.
for item #2 and #3 will discuss when I am in that shoes...still got a long way to go...

well that is me...no sure about the others

maybe create a topic in this forum? would be interesting too...
https://forum.lowyat.net/RealWorldIssues


This post has been edited by T231H: Sep 2 2015, 08:26 PM

try post there.....you don't have to pay anything...the most is the post be deleted by the admin....
else you can try create a topic in
https://forum.lowyat.net/index.php?showforum=153

This post has been edited by T231H: Sep 2 2015, 09:00 PM

unknown to what opinion you wanted....therefore I simply shoot....

Q: What are the benefits of the Cash Management Fund?

A: Below are some features of the Cash Management Fund:

• Zero sales charge to purchase, or to redeem.
• Potentially earns higher returns, with the fund actively managed by a dedicated fund manager. (compared to saving a/c rate)
• Daily returns on the Cash Management Fund. Daily returns are based on historical pricing.
• No lock-in period.
As long as there is a sufficient amount of monies maintained in your Cash Management Fund, it can be used to make payment for your cash purchases upon transaction. We will not need to wait for your cheque or Internet bill payment to reach us before we start to process your cash purchases. When you sell your unit trusts, you may choose to park the sales proceeds in the Cash Management Fund to facilitate your future cash purchases, while earning potentially higher returns for it.

BUT not as liquid as cash in ATM machines....

buying at DCA (monthly or periodically)
have INDIA at about MAX 5~8% of your portfolio value.
that is my suggestion.
How much % do you think of allocating for INDIA?

OK...take your time assessing...
btw, what is your criteria for this assessment? can share?

deleted...double postings

This post has been edited by T231H: Sep 15 2015, 01:33 PM

how far walking time does it takes to get from Padang Merbok to Petaling street?
if the crowds go from there to there.....now..... KLCI tomorrow

S&P lowers Japan sovereign credit rating
•16 Sep 2015 at 19:25

Standard & Poor's cut Japan's long-term credit rating one level to A+ on Wednesday, saying it sees little chance of the Japanese government's strategy turning around the poor outlook for economic growth and inflation over the next few years.

The move comes just a day after the Bank of Japan refrained from boosting record asset purchases, betting there will be a resumption in growth and inflation.

http://www.bangkokpost.com/news/asia/69564...n-credit-rating

commented by FSM in june recently...
RHB-OSK Asian Total Return Fund [June 2015]
http://www.fundsupermart.com.my/main/resea...June-2015--5901

while waiting for a more value added respose...
try read from this post # 359, 360 in page 18 and followed till page 19 post# 37x
https://forum.lowyat.net/topic/3704916/+360

it id mention something like mkts priced in expectation and unreasoned mkts

and this latest article from FSM SG
Fed’s on Hold: 3 Strategies for Bond Investors
https://secure.fundsupermart.com/main/artic...Investors-10846

Depreciation of Japanese Yen Fuels Growth of Corporates’ Earning
This article will talk about the impact of depreciation of Japanese Yen to the Corporates’ Earning.
Author : Marek Chiu ....September 4, 2015
http://www.fundsupermart.com.hk/hk/main/re...articleNo=10339

More Investment Value in Japan Right Now?
The global stock market has experienced a downfall as a result of uncertainties in monetary policies, low oil prices and a slowdown of growth rate in Asian and emerging markets, and many investors might take this opportunity to adjust their portfolio’s allocation. The question is, given the current market volatility, which market is still worth investing in?
Author : Fundsupermart ..... September 11, 2015
http://www.fundsupermart.com.my/main/resea...mber-2015--6286
....................
In Malaysia, investors can consider Affin Hwang Japan Growth Fund which has a flexible hedge strategy - the fund manager can choose to remove hedging based on his views if he thinks that the yen will appreciate.

This post has been edited by T231H: Sep 22 2015, 05:01 AM

any special consideration of this HSO?
why HSO and not Kenanga Growth Fund?

I think the certain percentage of HSO outside M'sia is just too little to make much impact to the overall % in the portfolio allocation in relation to the invested amount, further more
he mentioned "Felt that Bolehland stocks are quite reasonably valued now, esp some large caps"....so I was wondering why not take the KGF for it has a very good track record and make full use of it to "attack" the reasonable valued big cap mkts.

Q: How do I redeem a unit trust holding invested through EPF Account 1?
A: First you need to place a sell order online for the EPF Account 1 invested fund you wish to redeem.

Q: When I sell units that were purchased through my EPF Account 1, do I get a cheque for the proceeds?
A: The proceeds will be credited directly to your EPF Account 1.

http://www.fundsupermart.com.my/main/faq/1...-Account-1-4745

maybe this?
Stocks Dragged Down by Commodities, Carmakers as Treasuries Jump
European stocks tumbled, led by miners and carmakers, and U.S. equity-index futures declined as sliding commodity prices sparked a selloff in higher-yielding assets.
http://www.bloomberg.com/news/articles/201...k-as-bonds-sink