why forego RHB Islamic BF ? it has been doing extremely well and consistently for past 5 years

I am now at Genting Highlands. I just came out from the casino but I didn't spend a single cent. The minimum bet for Pontoon or Blackjack is RM100. 20 years ago the minimum bet was RM25 or sometimes even RM10.

I did some mental calculation. The odds are better if I put RM10k into TA Global Technology Fund or AmPrecious Metals. In the worst case scenario, I may lose 20% of my investment in a few months. But in the best case scenario, I may earn 10% return in a few months. So better for me to buy unit trusts than to gamble at the casino.

I was also there last night...with a 

I also no enter casino

Valuecap may make last min appearance tmrw 
Perhaps an astrologer have an answer

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I got this from FSM CS....
"Yes, you will enjoy promotional sales charge of 0.5% by visiting to our event on 16 January 2015."

the word "by visiting".....??

Need to be aggressive..  Still many people out there preger to feal with agents rather than diy..

Some do not have knowledge, not computer savy to buy online. So need to relying on agents. Public mutual doing well in rural area.

yalo... 

What to do now?!!

Sad thing is not many EM funds on fsm.

You may want to dump some amount at some point to preserve your ammo. Of course you don't wait 10 years to come back. Some would suggest holding on to it and average down but you'll ran out of ammo half way through unless you are heavy on fixed income as reserve ammo. In 2008, my PM UTC advised me to switch all my profits to MM after my profit was down by 20%. Switched back to equity in 2009 for the ride up. It is really up to you on what course of action to take due to several schools of though on this subject.

As for me, I regularly take profits as you never know when a black swan event will come. Downside of doing this is I will not fully benefit from compounding effect.

Take profit when more that 6%.
Switch to bond fund or CMF. Some time is good to keep cash.

Prior to 2008, I did not monitor my investment. My UTC alerted me to this during our monthly meet-up. I made about 50% profit over the next 2 years.

Off topic,..but needed answer fast.
a friend of my wife receive a notice from the bank saying that the cheque that she banked in is "Post dated"
1) what will happens to the cheque?
2) will she need to get the issuer to issue another new cheque
3) how much does she has to pay for banking in a posted cheque?
4) how much does the issuer has to pay because of that?

sorry for off topic subject.

That was because she is my newly minted UTC. My old UTC totally ignored me. When I approached her, she was surprised that I have not switch. They have alerted all their customers to switch already. Those were the days when I was totally noob about investment and depended on UTC.

link
Can percaya?

Quote from CS for the talk

Starting Jan 9, major investors are permitted to sell no more than 1% of a company’s shares on the open market in three months, the China Securities Regulatory Commission said in a statement on Thursday.

any good info at the seminar to share

Those who want to go for China fund. H shares PE is at around 6. Can consider Manulife China Equity Fund.

H shares is at nearing its historical low PE.