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 Investors Club V9, Previously known as Traders Kopitiam

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gark
post Mar 17 2016, 10:30 AM

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QUOTE(TC-Titan @ Mar 17 2016, 10:26 AM)
Depends on the individual preference and circumstances...
I still know a number of friends (chinese) who still stay at this type of places. They are doing ok.
Only issue is finding for parking sometimes and risk of your car getting damaged.

Rental yield can be quite decent.
For me, I won't bother thinking of the hassle, complexity and risk of doing this sort of arrangement.
Not worth my time, sweat and tears.

Only those with a few million extra cash to burn can afford to do this.
There are too many black swan events happening every year, why risk so much just to gain peanuts.  rclxub.gif
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For looking a place to buy, safety is No 1 priority.. Malaysia now too many robbers already.. sweat.gif

The leveraged investment is just a discussion only.. some will want to take risk and some wont. Nothing wrong with that. wink.gif

But Malaysia interest rate is still too high.. SG offering 3.5% interest and the REIT is mostly > 7%... drool.gif

This post has been edited by gark: Mar 17 2016, 10:32 AM
gark
post Mar 17 2016, 10:31 AM

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QUOTE(Pink Spider @ Mar 17 2016, 10:28 AM)
Racun...racun drool.gif
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Give your thoughts lar.. hehe. rclxs0.gif

I think method 2 is the most 'safe' .. cause with pledged FD, you will not likely kena margin call.. unless your FD becomes negative.. hmm.gif

Other risk include capital loss from REIT price down and divvy < interest if REIT rental not doing well.. but if the reverse happens.. devil.gif

This post has been edited by gark: Mar 17 2016, 10:35 AM
gark
post Mar 17 2016, 10:54 AM

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QUOTE(Pink Spider @ Mar 17 2016, 10:48 AM)
But I got little FD sad.gif

Stocks >>> FD
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sell stocks.. pledge FD... buy MORE stocks.. win.. devil.gif
gark
post Mar 17 2016, 12:24 PM

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QUOTE(Pink Spider @ Mar 17 2016, 11:45 AM)
cash rich after taking profit on BPPLAS and PMETAL...ada apa boleh beli? confused.gif
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Hmm dunno wor.. long time no buy MY stocks already de... laugh.gif
gark
post Mar 17 2016, 12:24 PM

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QUOTE(TC-Titan @ Mar 17 2016, 10:57 AM)
Saw this website with simple illustrations on share margin financing.

https://loanstreet.com.my/learning-centre/s...ing-in-malaysia

The margin call still happen as long as the share based amount shrinks and hits the margin call threshold.
I was thinking alternatively, to use safe but strong blue chip counters (e.g Nestle), defensive stocks and perhaps some selective Reits to pledge and/or to use for investments to maximise on the leverage.
Tendency for this type of counters to go down should be limited to some extend and should either remain status quo or rise up even higher, hence allowing more funds for u to invest with lower risk of a margin call.

KYY mentioned previously he had a few margin calls recently when most of his export counters dip. So I think having a balance portfolio for the pledge and investments is critical.
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Normal lah.. higher risk vs higher gain... some REIT are quite resilient .. example MV.. icon_rolleyes.gif
gark
post Mar 17 2016, 05:23 PM

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QUOTE(Pink Spider @ Mar 17 2016, 01:34 PM)
Patutlah tak show up in forum cool2.gif
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SGX and IDX stocks is makiing me very busy... last few weeks now looking at MY stocks again. icon_rolleyes.gif
gark
post Mar 17 2016, 05:48 PM

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QUOTE(felixmask @ Mar 17 2016, 05:26 PM)
gark..your portfolio growing..didn't share what you bought.
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See few pages back ler.. i gave summary.. tongue.gif

QUOTE
IDX
Sold off INDF for a handsome profit and PGAS for slight profit
Picked up AISA, SRIL & BWPT in recent downturn ..

SGX
Looking to accumulate the following income generating stocks after recent heavy selldown wink.gif

CRT - Yield > 10%, Japan Mall Trust
IReit - Yield > 8%, German Office Trust
Religare - Yield >8%, India Hospital Trust
Maple GCC - Yield >8%, HK Mall and China Office reit
LMIR - Yield > 9%, Indonesia Mall Reit

gark
post Mar 18 2016, 04:13 PM

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QUOTE(wenqing @ Mar 18 2016, 03:26 PM)
wah.y all property stock rally?Huayang,matrix and tambun
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Government MIGHT announce DIPS again for 1st time house buyer.. bangwall.gif

This post has been edited by gark: Mar 18 2016, 04:15 PM
gark
post Mar 18 2016, 04:14 PM

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http://www.themalaymailonline.com/malaysia...-made-bnm-chief

QUOTE
KUALA LUMPUR, March 18 ― The financial markets may respond adversely if Treasury secretary-general Tan Sri Dr Mohd Irwan Serigar Abdullah, who sits on 1Malaysia Development Berhad’s (1MDB) board of advisers, is made Bank Negara Malaysia (BNM) governor, an economist said.


Be prepared RM 5 = 1 USD

Time to lari......... devil.gif
gark
post Mar 18 2016, 04:55 PM

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QUOTE(Pink Spider @ Mar 18 2016, 04:52 PM)
Time to re-enter export counters icon_idea.gif
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user posted image

Is this a face of a BNM governor that you can trust? puke.gif
gark
post Mar 19 2016, 01:36 PM

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QUOTE(wenqing @ Mar 19 2016, 12:50 PM)
Sorry hah. May I know what is DIPS stand for? hmm.gif  hmm.gif
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Sorry wrong spelling.. it's DIBS

QUOTE
To put it in the simplest term, DIBS is a scheme where a property developer absorbs the home loan interest of the home buyers during the construction period of a property. 

If you buy a house that comes with a DIBS, the developer will pay any home loan interest that is borne by you during construction (which is usually 36 months starting from project launch).  Thereafter, you will service the loan interest as you would a normal home loan.
Interest free during construction ... means house flippers rejoice. laugh.gif
gark
post Mar 19 2016, 04:11 PM

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QUOTE(wenqing @ Mar 19 2016, 03:04 PM)
Thankssifu notworthy.gif  notworthy.gif . That explain why the property stock got some movement this week....
So it good time to enter some property stock? hmm.gif  hmm.gif
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Dunno wor.. depends if govt really follow through. Now still suggestion only.
gark
post Mar 21 2016, 06:54 PM

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Pink Spider

Since you like divvy stocks... rclxms.gif

user posted image
gark
post Mar 22 2016, 09:39 AM

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QUOTE(Pink Spider @ Mar 22 2016, 09:17 AM)
Tasek...Guinness...Pana... hmm.gif
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Star and UP tak mau? tongue.gif
gark
post Mar 22 2016, 09:49 AM

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QUOTE(Pink Spider @ Mar 22 2016, 09:46 AM)
Star is not much different than Utushit ohmy.gif

Who reads it nowadays? ohmy.gif

UP hmm.gif
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My family still do.. for entertainment purpose only.

The star is much less political than utushit.. puke.gif
gark
post Mar 22 2016, 09:59 AM

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QUOTE(Pink Spider @ Mar 22 2016, 09:55 AM)
OT a bit...

» Click to show Spoiler - click again to hide... «

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Boleh ka? hmm.gif

This post has been edited by gark: Mar 22 2016, 10:00 AM
gark
post Mar 22 2016, 01:52 PM

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QUOTE(Pink Spider @ Mar 22 2016, 01:44 PM)
Purely a speculative play blush.gif

On the home loan trick...
I get my EPF moolah...
On paper, he sells his property to me
He still continue pay his current monthly loan instalment, only that this will become a "rental" payment
This "rental" payment goes toward paying my home loan
End of the rental period, he still get back his home ownership, I gonna transfer back to him at zero consideration
This is a genuine home purchase, no main tipu

I think I can do better than EPF blush.gif
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EPF giving 6+ % consider ok lah... keep as part of your 'bond' portfolio allocation loh.. yawn.gif

Otherwise..

Better you buy property charge rental (to offset loan) and get appreciation, in the end the property is yours..

This post has been edited by gark: Mar 22 2016, 01:53 PM
gark
post Mar 22 2016, 01:58 PM

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QUOTE(Pink Spider @ Mar 22 2016, 01:55 PM)
I tak nak the headache of collecting rental and maintaining the property...that's why I went into REITs, remember? doh.gif
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Den you collect rental from your 'friend' no hassle... later if he went into financial trouble then how? Electricity no pay, water no pay, condo fees no pay.. then you are liable as house owner.

Advantage for him is after 'selling' the house to you, he no longer owes the bank, but owe you.. you have no legal recourse to force him to pay. Bank can take his property, you cant because it's already yours.

Even rental agreement usually state give 1 month notice only.. then cabut.. tongue.gif

You must study carefully why he wish to dump the bank loan onto you? brows.gif

Remember buy and sell house twice means you incur stamp duty twice and lawyer fees too.. siapa pay? If house less than 5 years old, got RPGT also. tongue.gif

This post has been edited by gark: Mar 22 2016, 02:04 PM
gark
post Mar 22 2016, 03:02 PM

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QUOTE(felixmask @ Mar 22 2016, 02:34 PM)
Where you buy ?
What mine 2 sen - if you buy for long term like 5-9year onwards juz go ahead.

1) Rule 1 : Rental yield > Reits yield.

2) Rule 2 :  committed
Malaysia Birth rate:
https://www.statistics.gov.my/index.php?r=c...klWdzQ4TlhUUT09
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Rental yield can never be higher than REIT yield.. this is due to REIT yield is ARTIFICIALLY boosted with leverage. tongue.gif

It's a form of financial engineering. rclxs0.gif
gark
post Mar 22 2016, 03:07 PM

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QUOTE(Pink Spider @ Mar 22 2016, 03:04 PM)
ada banyak afrika orang doh.gif
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Yeee .. that kind of place also you want. dry.gif

Anyway.. propguru says.. OUG Parklane average selling price (psf) drop from peak of 457 to 441..only 3.5% drop nia. innocent.gif

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