apa sales slipping?

Big value items like properties and cars, yes

But middle-income esp youth spending...go see crowd/queue at Starbucks

    what is that???any hints?

feeling funny too today...got an email from them..."Good luck with your investment"....

As one member pointed out above...

U cannot INVEST in gold, gold does not generate any income returns...

U can only HOPE to buy cheap, and sell it off for profit IF later it does up.

Whereas with equities and bonds, even if value drops, you have dividends and interest incomes that, over time, should negate the value drop.

how to be
the wise
the prudent
and not to be
the foolish
the ignorants?
isn't that is for the history to tell?

"invest in whatever you see fit"....
invested in UTs in 2013..then QE stopped
invested in property then property mkts slowed
invested in Malaysia EQ (said to be defensive & "protected" mkts)...then ringgit falls, oil price falls, 1MNDB issues, then....

YES,...where to park the money?   

....but will the returns be "eaten" by the inflation? 

Emerging stocks decline with currencies amid global growth risks
http://www.theedgemarkets.com/my/article/e...al-growth-risks

You'll see the effect from tomorrow's posting NAV.

What are you seeing now is last Friday's NAV.

for me, I had been looking at that for the past many months.....now, already numb...
in the beginning have to rely on amlodipine (BP medication) to cool it.   

Pelabur dinasihatkan bersedia hadapi pasaran saham turun naik (Utusan Malaysia - Bisnes)
https://www.kenangainvestors.com.my/KIB/KIB...20Interview.pdf

I don't like pure MYR bond fund

Aiyo

Don't let temporary setback spoil your confidence to invest!

My balls data are in... this mth sikit early wor...

Before I talk about Algozen™  recommendation, let me just say a few observation.

I) The risk-return of equities generally has gone done. Meaning, the equities are getting more risky. The days of easy buffet lunch is getting less. You want more gain, you need to take more risk. Simple as that....

II) Equities across different geographical zones are converging, the correlation-coefficients are increasing. This means that it is not easy to get good diversification.

Now, onwards to the recommendation:

Titanic is still floating, iceberg is nowhere in sight;
Titanic is still preferred, even though the Europeans are making headway,
Ponzi two is still game on, it is loved for its low volatility,
Don't ignore the small cap, she may surprise you yet, show her a little bit of love.
Titanic with Ponzi two with small dash of small cap is still the best diversified portfolio there is according to Algozen™...

Xuzen

Again, maybe i'm still not clear enough.

After your explanation, this is my understanding:

Invested in same day, same NAV- total 20k
$10k EPF - ABC fund
$10k Cash - ABC Fund

After 5years sell of ABC fund - total 25k
$12.5k go to EPF account
$12.5k go to Bank account

is this correct?

Now my concern is can i transfer the profit 2.5k fund that i purchased by using EPF account 1 to my bank account?

Did anyone realize tat FSM didn't update price for RHB Asian Total Return Fund as it still show pricing @ 18/9?

Ponzi 2 have been updated in my portfolio

Actually it has been updated since around 2pm/3pm at its page:

http://fundsupermart.com.my/main/fundinfo/...umber=MYCIMB007

I don't use the apps. Sorry, bro!

Was about to ask if anybody is attending the talk in kch. Checked my schedule and I can't make it too.......