Spare cash = cash that can be used for investment. A person can put extra cash into EPF right?

If emergency fund, yes. Cannot argue. But inside your CMF, you know a X figure you can't touch because that's your emergency fund already? Die die also won't touch?

Again, for discussion purpose.

To me, CMF is money not utilize, idle. Opportunity cost losing. If I sideline half the year, I missed out on EPF dividend.

That's why to me stock and UT must get better return than EPF. If not, what's the point? Better put in EPF right?

This post has been edited by TakoC: Nov 19 2015, 08:57 PM

European Mkts are doing GREAT too.....now.

Good discussion.

Let's say you invest 5 years period. Average return you get 3%. Means something is wrong right? Would you liquidate everything and just put in EPF for better return? Or buy dividend stock? Or just lock in FD?

Like gambling, some people gamble for the sake of the thrill and don't care win or lose.

Unless you invest or punt stock, frequently buy/sell UT for the thrill. Then what I said doesn't apply. If you want make money and you not doing a good job, better to let EPF do for you or FD with no risk right?

This post has been edited by TakoC: Nov 19 2015, 08:58 PM

if you want to use EPF to invest...make SURE the returns can be at least 30% more than the ave returns of the past 3~5 yrs EPF pa returns ...else better consider EPF as FI funds.

yes,...if average is about 3% pa.....need to be frank and analyse WHY?
traded too often?
buy based on past performance?
FI too heavy?
too focused on a single country?
etc, etc....

better talk to the CIS if after 3yrs still at 3% pa...

This post has been edited by T231H: Nov 19 2015, 09:03 PM

We're talking about EXTRA money that could be put in EPF. Not money taken out to invest.

But yeah. I get what you mean.

No la. Maybe not 3% so terrible. Maybe 5% average?

Maybe someone bought in at the peak le. That's why 3% over 5 years. Crash and recover.

That's RSP, DCA and VCA plays to the role ...

put in EPF is easy...
if/when want to take out...unless one is at certain age.....I think not that easy leh.
(suddenly your viet moi want to get married, your family want you to global travel with them,...etc, etc ...when one want extra money,..but locked in EPF...how?)

you talked about me?....
2 1/2 years is at 5% IRR


Attached thumbnail(s)

Extra funds to me also means cash that I might need to use next month to service my car/pay off CC bills. Liquidity is of utmost importance here.

my pc monitor just kong off.. Need to spend money to buy another... Help help

Give me gain some $$ in UT to cover this purchase lei..

You can claim tax relief for that ...

Only buying monitor can ka????

This monitor only 6 years lei.. Still belum balik modal la. Sakit hati betui..

Opps ... I thought you want to buy a new laptop or PC.

Put in parents EPF la, bro!

I have a feeling you would comment. That's why I refrain myself from giving such comments. Hahaha!

Cpu still can use.. So only monitor. Will try to check my monitor again over the weekend see still got hope or not..

it will still need some time to get it out....ex letter of probate, letter of administrator etc, etc...king of stuff
just don't put too heavy in it...diversity....else if needed like....

China will lower lending rates for loans made under the standing lending facility (SLF), a policy tool to inject cash into the banking system, in the latest step to support the slowing economy.

The overnight rate would be cut to 2.75% and the seven-day rate to 3.25%, effective Friday, the People’s Bank of China (PBOC) said in its official microblog on Thursday.

The rates are now at 4.5% and 5.5%, respectively.

http://www.thestar.com.my/Business/Busines...osts/?style=biz

Off topic. Get a Samsung monitor. Very lasting!

Thanks for the tips.. My impression any good brand of monitor will last ling