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

Am I entitle for 0.5% sales charge if I am not attending the investment fair?

thanks for you rview, will seriously consider to sell.... oil really can go down some more??how low can it go....

should be. i bought some without going to penang ones. got the 0.5%

don't forget those who died without a named beneficiary

most mention USD 20/bbl, but stanchart gave usd10/bbl

i made net extra 0.5% switching from ponzi 2 to titan

Binged and found this....if one is interested to read....

How Low Will Oil Go in 2016?
https://www.bing.com/search?q=How+Low+Will+...2016&FORM=QSRE1

The projected oil price drop is USD 20 a barrel. It may or may not happen. Warren Buffett is buying up shares in oil companies. Unfortunately we are not him. I would rather use the money from Am Commodities to invest in other funds. I am just looking at the lost opportunity costs.

It is your money and your call bro.

This post has been edited by Vanguard 2015: Jan 15 2016, 03:53 PM

Higher volatility = higher risk = higher reward.

Not easy to make the call; after finding that there was more risk than one can stomach. Which is common enough since investors often think of high returns, and seldom the higher risk of loss.

It is back to square one, the initial decision before getting into any fund: How much volatility/risk should one take?

If switched to another less aggressive fund now, there could be another round of lost opportunity when the market rebounds. Tough choice...since switching into another less aggresive fund could means taking a longer time to recoup the loss.

=============

Whatever funds to switch into, even the same fund after pulling out temporary; maybe ponder on this investment strategy with a big sum of money:

1. Don't do one-time lump sum investment.
2. Split it into 2 halves, and invest 50% first.
3. Staggered the other 50% over 5 years.
4. If market behaves normally, then invest 10% each year.
5. If market falls sharply, then do following to take advantage of the steep drop:

Market fell by this much; Invest this much.
10% 10%
15% 22%
20% 30%
30% 13%
40% 12.5%
50% 12.5%

Q: What if market drops less than 10%?
A: It is normal and expected in an aggressive and volatile fund. As seen in recent days, funds can easily lost 1% to 3% in a day. If one can't withstand the volatility, then choose a more conservative fund with lower expected returns.

Very exciting times....

My CIMB China is down by 6% and RHB China India is down by 6.2%.

I am not sure how long my heart can take this...

My RHB-OSK China-India Dynamic Growth Fund has down for -9.9%

Whose heart can't take it now!

This is very true but also very difficult for some investors to understand. If you ask an average investor, "Would you like to make a potential gain of more than 10% per annum investing in unit trusts?" He will say "Fuyoh, where do I sign up"?

Then tell him, "But in the short run, there could be some bumpy years. You need to ride out the bumps by investing for the long run. So you could make a paper loss of 10% or more in the short run...".

The average investor would say, "Huh.. WTH. I only want the potential gain but I don't want to suffer the potential loss. Can ah?".

Our answer, "Mana boleh. Where got free lunch one in this world? "

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

He only does CPR to dong gals.

top up top up top up .... top up

Ptui, ptui, ptui. And he will let his brothers in arms in the forum die from heart attack.

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

No more no more no more. Wait until April 2016. I just topped up last week.

For me....ASM/AS 1M, OD account.....

I tarak FD or CMF. Living dangerously is my motto.

This post has been edited by Vanguard 2015: Jan 15 2016, 05:12 PM