dreamer101, I will answer your question later when I am back home and have read it.

There are so many money changer in town. You tell me how to know the one with best rate? Do you expect me to visit every state and ask their rates?

Your answer was just this
I asked you about your opinion regarding cold hard foreign cash. You say is a better option than holding rm paper. This is cash we are now taking. Not fca, or any foreign investment but physical cash.
I asked you about what happen if there's a fire or a bulgar. You didn't answer that. I said physical cash is not able to generate any interest/dividend. It will forever be say usd1000. It will never become usd1001. So my question again

1. What happen if there's a fire/burglar?
2. I won't talk about ASX here since that will get us no where. But say you have physical rm and you dump it into FD for one year. At the end of 1 year, your rm increases. Now back to your physical usd1000, by keeping it say underneath the mattress, at the end of one year, that usd is still usd1000. It didn't increase at all. Isn't the goal is to ensure it increases somehow? Please comment on it.

showtime747 already did 10 yr comparison with SGD some weeks ago.

result is same as yr 6 yr USD, i.e. about the same returns whether rm sgd or usd.

but... here is the diff... the big diff is in the last 1 (ONE) year.

so, dreamer is right:
as we deliberate, usd/rm touched 4.3787 this morning.

those who still think "there is no difference", pls think/calculate again.

but if one knows the big diff but decides not to do anything, that's a diff story.

Hi,...a fluctuating instrument is still worthy to buy if it gives out consistent cashflow. For me, I will just hold it for long term, and with the additional cashflow generated from the instruments (or from my profession), I will plough it back into the instruments if I think the fundamentals are still there but the instrument is dropping in price because of 'a falling tide'.

Cashflow is utmost in my mind.

I was replying to your statement on something not worthy to hold-in to. Yes, if your position has changed and you are now saying that fluctuations can still make instruments worthy to hold-on to because of the potential capital gain, I would agree too. HOWEVER, for myself, I'd rather hold-on to assets of good fundamentals and with fluctuations that can be explained, on the condition that such assets provide good cashflow.

Thanks for sharing, but I just feel like I've been reading the same article again and again for months now.

Volatility, capital flight, Fed "potential" interest rate hike, bear market etc.

Seriously I think you could take one article from 3-4 months back, change the date and post it and no one would see the difference. It's as though the journalists have nothing else to talk about and just recycle the same things.

It's like watching those Korean dramas with the same storyline over and over again.

PAP wins in a landslide with 69.86% of votes in Singapore GE 2015

The ruling party takes 83 seats and recaptures Punggol East SMC while the Workers’ Party retains Aljunied GRC and Hougang SMC with reduced margins.

1.00 SGD  = 3.15 MYR  next week 

actually wanted to write 3.30, but was thinking it's 'too over" so I settle for 3.15 MYR

sadly it's so true 

+1 

Long live the SGD ! Long live the PAP, friendly to international investors !

Yea, I'm curious too. Can anyone shed some light, time to cash out ?

Did RM strengthen today ??? I saw the exchange rate from RM into the SGD is at the highest point on record now.

http://www.theedgemarkets.com/en/content/s...foreign%20selli

MYS has taken over the sick man of Asia.

Disclaimer: If any photoshop is by the publisher.

Markets move in anticipation. For example, US Central bank impending rising interest rates sends EM currencies south.

Fundamentals are secondary, all economist will say something like RM will settle at 4.0 or some figure to justify the "strong economic" fundamentals.  But as we know, it never becomes the case.

Ringgit risks falling further if 1MDB issue unresolved
http://www.theedgemarkets.com/my/article/%...solved%E2%80%99

V can expect RM4.50 by year end?

One of the reason y Banks raise FD rate is their LTV is very High

There is no relationship between bank deposits n Asx as both have different features