Thanks,.. I understand,... but sometimes reading too much makes one too risk-averse and misses all the opportunities in life,... because of being too fearful. I read too much too,... because it'd be expensive if one under-estimates the risks.

Not just too much information, but they seem to contradict one another.

One day the news say China's service sector grows, and we top up;
Another we are told China's manufacturing contracts, and we sell;
Still another day the news say China's PMI is down, but beats expectation, and we are confused, do not know what to do...

Oi! Drag me into water!

So, Algozen™ is a credible ANAL-ysis?

Licenced Financial Planners go with statistics to make their decisions, in order not to be held at fault in case in case their investments failed. Licenced Fin Planners charge fees.

They are expensive, and they lack one very important factor in their advice - human sentiment.

How will our Malaysian economy and share market perform for the 4Q of 2015 and the 1Q of 2016? Will it still continue to trade sideways? With the current low oil price and depreciation in RM, the Government need to increase its revenue. If you were the Finance Minister, what would you do?

(1) Increasing the toll for PLUS highways

PLUS aka the Government has confirmed an increase of about 5% for 2016. It is only a question of timing. Possibly before the CNY holidays in February 2016 to maximize the income?

(2) Increasing the GST

VAT in Europe ranges from 15% to 27%. It may be political suicide for the Government to increase the GST to 7% or more before the next general election in 2018. But gradually the GST should go up to more than 10% in the mid term to long term.

(3) Increasing the personal income tax

Already done. Maximum tax rate for the wealthy (i.e. earning RM1 million and above) has been increased from 25% to 28%.

(4) Increasing the sin tax.

Already done. Over 40% increase in excise duty for cigarettes.  Current price for a packet of Dunhill is about RM17.00.

(5) Reducing the remittances by foreign workers to their home countries.

In the pipeline. The Government is proposing a scheme requiring foreign workers to pay a part of their monthly salaries into a fund. Alternatively, their salaries could be deducted directly as a remittance to the fund, in a manner similar to the Employees’ Provident Fund (EPF) contributions.

(6) Any other possible revenue?

top up lor....

So daring ar you... when will reach 6 figures?!!

my india holdings are red since months..and now not helping with india slowing down...

My portfolio as of 24 Nov:

1) CIMB Global Titans (32%) - bought in April 2015 - up 8.56%
2) Ponzi 2.0 (29%) - bought in April 2015 - down 4.87%
3) Big Cap China (22%) - bought April 2015 - down 10.80%
4) Aberdeen Islamic (17%) - bought Feb 2015 - up 3.89%

Should I dump Ponzi 2.0?

u sound so like that mad cat

lai lai let Pinky give u some salt...

Today I top up

Yes, my KGF started since 14-Sept is up by 5.6% net today. I follow templeton's advice about Malaysia.

Can shed some lights on how to determine the correlation matrix of the funds? 

Below is my current fund allocation and I'm planning to embark on my first rebalancing act. With the hype about the [rate] hike, suggestions please? 

Kenanga Growth - 29%
Eastspring MY Focus - 25%
Ponzi 2.0 - 31%
Titanic - 15%

Thanks.

Dear Sifus,

I have a serious question to ask.

Assume we have 3 separate FSM accounts. One main account for ourselves, a second beneficiary account for our wife and a third beneficiary account for our infant child. Let's assume an investment horizon of 20 years.

Would it be foolhardy to buy the same funds for all 3 accounts? This means if the funds perform badly for a particular period, all the 3 separate accounts would be equally affected. Wouldn't this be a classic case of putting all your eggs in one basket?

May I know what is your view?

Key point:
http://www.fundsupermart.com.my/main/resea...16-Outlook-6560

Would love to see how crystal ballman xuzen interpret this report

What I would do...slow down on top ups, build up cash reserves. CMF2 yield is quite good now.

my portfolio stopped "cheong"...
why it cannot keep on "on Viarga" for a few more months?.....