Just wondering, where do you guys park your emergency funds (3-6months)? CMF or FD?

Looks like alot of people are getting very tempted at the 0.5% sales charge. Don't get greedy of the 0.5%. Study a bit first before jumping in.

At Investment Fair now. Tea and coffee only. No snacks

Pinky any view on am precious metals?

Far from stage...

but now the US market is bleeding because of oil price plunged, when oil price recovers, Myr recovers, we buy at low price then the changes in exchange rate should be offset by higher titan fund price right? 

If I buy into Kenanga ASEAN Tactical Total Return Fund... ASEAN shouldnt be such a big problem right, with 0.5% SC

Crazy amount of people in queuea even b4 9am.
Didn't manage to say hi to Eugene, Alfred or Jennifer - they were @ the registration countera.

BTW looks like those registered online were mire than walk ins based on the queues from b4 9pm till I left

haha... btw what is gung-ho? 

Gung ho is an English term used to mean "enthusiastic" or "overzealous".

Any of you jus made a 50 bond 50 equity portfolio or f*** it with 90% equity or more ? btw not gonna retire anytime soon so my blood still boils seeing red sea ...

Did u ask why Aberdeen Islamic Equity Fund is such down performer ? What India now ?!

yup, always recommended 100% in equities; since I believed UT investment is to supplement retirement income; and retirement for most readers here is still decades away.

45 years old - still got at least 20 years to work, earn, save and invest; I know the present retirement age is 60, in 10-15 years time by 2030, I think it will be pushed to 65 as people will not afford to stop work at 60. People who don't save and invest will find it even more difficult to retire... at old age with no job & no money, tough luck as we don't have welfare support.

But why you got mm funds? Part of your 'emergency fund'? Switch out from equity and parking temporary in MM, because you are trading and doing some timing?

Or because you think you have a "big" sum of money invested and too much to lose? First, try to compare it against the regular investments that will be done in the next decades. What is 50k when the final objective is 500k?

Take more risk when you can still afford to take the risk. Don't wait till it is too late to do so.

Wrong move. 

I am not sure if I made the right move, but I don't think topping up sinking ship is a great idea, there is RSP for my ponzi 2, which I realized late

(also missed 0.5% SC)

I just tried to be realistic! I'm an engineer and I work with numbers and data! 

I have a suggestion for the excel file update:

For PRS purchases, we do it mainly because of tax relief. Can we have a transaction type that could cater for the tax relief benefit so get a better picture of the IRR including the tax relief?

at the moment I do it manually by killing the excel formula for the acquired units and reflect the transaction amount net of tax relief.

Should we ask our excel master to add a transaction type to reflect the tax relief? 

I got this calling to help the unfortunate.. 

Another round of top up for ponzi 2.0 !