Bro, doesn't matter what stock I buy. Buy stock in 2014 sure KNS one la. All see no day light one.

Didn't lose money is good enough.

How about 2015 return?

Bet you average down right?

Top up which one more?

How come my IRR did not go down, went up instead? Based on 7/1/16 NAV price, IRR is now 7.87%, up from 7.23% on 31/12/15. 

Maybe I'm too heavy on fixed income at 61%. 9% in RHB Islamic bond, 8.5% in RHB EM bond, 8.5% in RHB ATR, 30% in CMF and the rest in various bond funds for switching purpose. Follow FSM advice, cut back on equity allocation.

I think this is going to be brutal year. The priority here is capital preservation. Forget about making double digit return.

I consider it a bonus if I can get single digit return using FD as the benchmark.

story time...may not be useful.
On 4 Jan morning, i sold off HSAO and H Jpn Growth funds...direct from Hw office.
on 11 Jan i got the proceed for sales of HSAO banked into my a/c.
(7 days)
The proceed of HJGF is till not in today. (already 8 days & counting)

How many days does FSM need to do it?

You can't see who reported? If it's your post, I think you get a notification who reported which post. I think I know who

  wow ..that is bad...
you used to have IRR of 7.x% right?
just these 2 weeks...dropped so much IRR..

1 USD vs. 4.50 MYR coming soon 

while CMF return now is quite high at 3.9%, it is way better than normal board rate. but for some conservative ones, locking in with FD which the interest is guaranteed than is more favourable.

i like to point out also that CMF isn't always this high. it does vary, but based on my own experience thus far, i think on average should be around 3.6% or 3.7% for the past year which is still not bad.

i remember you mention this before.

but it's just that lately even tom, dick, harry retail customer like me can get 4.5% which in comparison to currently almost 4% CMF, still lose out a bit. of course, the convenience of CMF is a big win... still looking for opportunities to top up... in small amounts.

btw, while i do use i3, i don't post anything. don't recall having an avatar...

ada

No need to worry one. EPF is like a giant Ponzi scheme. There are always new employees that will contribute and lock down for about 35 years before can take out. 35 years later, there are always new employees contributing enabling you to take out your money 

Well, you can ask Pink Spider to do CPR on you...