How can I determine the odds of flat betting (no counting, no progressions , etc ) of being ahead in a negative game such as blackjack, w/o counting, with a 0.5% disadvantage after 45,000 or so hands? Is it even possible?

Any basic statistics book should have a standard normal table which will give the Z statistic of 0.8186. So the probability of being ahead in your example is about 18%.
http://wizardofodds.com/ask-the-wizard/bla...ck/probability/

yes...Kenny Roger's word is true. "U gotta know when to hold 'em, Know when to walk-away, Know when to run"...applies to UTs investment too.

You go to casino for entertainment. You don't go there with expectation to win.

I used to play slot machine with expectation to lose, and I set a maximum amount of money I would spend, e.g. RM50. Call this entertainment fee. Once this amount was used up I would stop.

Sorry 

I tot tis week have 4 days 

hi guys

for cooling off period, does that mean if i withdraw within that period, no sales charge occurs?

can we utilize this feature to exit the fund if price drop a lot during that period?

hi guys

for cooling off period, does that mean if i withdraw within that period, no sales charge occurs?

can we utilize this feature to exit the fund if price drop a lot during that period?

.....
Yeah, some UTs are "Urgh Trusts" - though most of them don't lose all capital injected

anyone here use EPF to invest? average EPF past few years about 6% and always positive

any advice which fund is a safer bet? maybe KGF?

regarding dividend, i am not familiar with the price that will be bought

is the dividend money that reinvested will also be charged a sales charge?

if yes, isn't that a disadvantage to us? is it better no dividend at all?

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.

regarding dividend, i am not familiar with the price that will be bought

is the dividend money that reinvested will also be charged a sales charge?

if yes, isn't that a disadvantage to us? is it better no dividend at all?

reinvested distribution no SC lar

anyone here use EPF to invest? average EPF past few years about 6% and always positive

any advice which fund is a safer bet? maybe KGF?

just an example to clarify yah
Let's say the UT current price is RM 1.0000 and normal sales charge is 2%

invested RM 1000, so total units i get is 980 units

Dividend declared 1 unit = RM 0.1000

So, i will get dividend of RM 98 which is reinvested

if the current UT price is still RM 1.0000 (i know that's not realistic but this number is only for easy calculation), do i get extra

1. 98 units or
2. 96 units

thanks

980 x RM0.10 / RM1.0000

i do BUT.. for my own reasons:
1. I've waaaaay too much "Fixed Income" in terms of EPF (humongous compared to cash) + cash/FD/Bonds (little) VS Equities

2. I don't want to have too much % in 1 entity, especially one that can be "robbed" publicly if U get my drift.

3. 6%+/- pa returns from EPF is abnormally high, when compared to the recent 10 years average.

Thus, technically, if one is not heavily lopsided in terms of TOTAL ASSETS in Fixed Income and/or EPF, i'd personally "let it ride" in EPF.

Just a thought