much better & more effective ways at releasing stress than typing/expressing thoughts ya know..
pho pho - "more efficacy"

flexi mortgage (re-drawable online/ATM anytime)

Me still no house neh

CMF needs T+2 to get the funds

What if u need urgent funds on weekend/public holiday?

eFD safest, u just need log in and uplift, then go ATM withdraw

Sounds like a good plan

Ok Pinky. Might just follow dasecret 's style. Don't angry ya. Later I belanja you banh mi

me also leh - still owned by bank

Isn't Pinky's idea the same as mine? I probably learned this trick from him over the years also....
Ideally CMF should not have a lot of funds, because one should stay fully invested other than for emergency funds; but I'm too haphazard and sometimes just keep it in CMF when I don't feel like I should buy anything (because it was too high, or it's falling )

Wong seafood, I'm interested in your twinvest strategy leh. Can bestow me the knowledge please?

Btw, if invest using VCA or twinvest, when does one do topup? At a fix day every month ie 15th of every month or are there any other parameters?

Excluding FDs and savings account funds

My investment and investable assets ratio is now
29%: bond funds + cash in CMF + cash in stock trading account
71%: equity funds + KLSE stocks

IMHO must always have some cash to take advantage of bargains

Pinky's idea didn't say part of it in eFD, part of it in CMF so I assume he show hand emergency fund in eFD. Lol.

Fully invested? Never realized that. Thanks for the tips

Juts read Pinky's post. Kinda agree have to save some bullets

This post has been edited by ohcipala: Oct 28 2015, 02:25 PM

er.. how to bestow knowledge other than: Seek (the books + practice/model in Excel) and Ye Shall Find /Gain
Below = shared to clarify certain required items/variable + books

For clarity:
In pragmatic terms of "Easy to do/execute" & being mentally screwed (ie. no fear / no greed)
DCA < TwinVest < Value Averaging < Value investing

1. DCA - put in blindly every period, put in same amount
can be totally auto

2. TwinVest - every period, dedicate same amount but put in different amount based on VCA+DCA
semi-auto with tiptronic
http://www.amazon.com/How-Make-Stock-Marke...ywords=twinvest

3. Value Averaging - every period, dedicate same amount but put in OR sell depending on calculated expected value VS held value
http://www.amazon.com/Value-Averaging-Stra...s/dp/0470049774
manual 5-speed

4. Value investing - any time (but best to base on asset allocation structure), any amount, analysis & valuation of company's fundamentals, etc.
manual 8-speed with NOS button-manual injection

definition of:
a. "every period" - set specific time, eg. every month, 2-months, quarter, 4 months, bi-annually, etc
b. "put in" = invest/spend
c. "dedicate" = put aside the $ for the program, may not be used yet
d. "expected value" = dependent on your value averaging program's dedicated amount -cost +expected growth per period
e. auto, semi-auto with tiptronic, manual 5-speed, manual 8-speed with NOS button-manual injection = gives an idea of how changgih it can be BUT human execution/decision can lead to weird stuff like no execution (fear / paralysis through analysis), over invested (NOS button) thus can win big or kaboom big short term, blah blah

rolling eFD. haha. should be ok.

Mine i have them rolling at 1k per cert. 3 months at a time.Offset some become 6 months.

Kena before i put one lump.

Then when have to take out. burn all interest accumulated although only used abit of the money. Kena burnt and then learnt.

For those who wants to put efd,

Best is maybank Islamic efd 1 month 3.25% min rm5k
Ambank Islamic efd, 1 month 3.15%, minimum rm1k.

To add my 2 cents worth....I opened an FSM account for my wife sometime in January 2015. But I only started investing her money in it from August 2015 onwards.

It is a super duper conservative account. This is because if it lose money, I will either be sleeping on the living room couch or eating mee maggi for the next 6 months (no more home cooked food).

But in any case her FSM account will never lose money because it is capital guaranteed.....by the Bank of Vanguard. In other words, she take the profits and I absorb any losses.

To summarise, the monies to be transferred out from my wife's FSM account can only go to a bank account in her name. But for new money pumped into the FSM account for investing purpose, you can use the monies from your own bank account via the FPX system to pay. It does not have to be money transferred from a bank account belonging to the FSM account holder.

This post has been edited by Vanguard 2015: Oct 28 2015, 02:50 PM

Well said.... no execution is the problem I faced for my own portfolio, so I'm doing mainly DCA plus a bit of value investing for my mum. Probably will be doing VCA when I sell for her annual 'dividends'

So many of u got waifu already


This post has been edited by Pink Spider: Oct 28 2015, 02:52 PM

Ur waifu not ur current profile pic?

dream girl =/= waifu

I completely un what you mean....
Mum called after reading the monthly statement in her email asking why in red... then I told her, a week later it's back to black la... anyway, she can't complain much since the money was previously in Hong Leong unit trust and its 100% malaysia equity funds... would have been much worse if she kept it there

Her portfolio is standing at 9.3% IRR after 5 months