QUOTE(MGM @ Mar 20 2016, 01:31 PM)
when la they come to my town....eh. can summerize the whole seminar? until the end including the om nom nom. I shall out it on 1st pasge credit to you. as detail as possible hehe
Ultimate Discussion of ASNB (47457-V) IV, Wholly owned subsidary of PNB (38218-X)
|
|
Mar 20 2016, 03:06 PM
Return to original view | Post
#61
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
5,752 posts Joined: Jan 2012 |
|
|
|
|
|
|
Mar 22 2016, 09:47 PM
Return to original view | IPv6 | Post
#62
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
5,752 posts Joined: Jan 2012 |
QUOTE(Hansel @ Mar 22 2016, 08:05 PM) All said above is fine so long as one is satisfied with the 6.4% yield per year, payable once a year. And for a non-Bumi, one is willing to spend the time hunting and in a way,...'begging' for at the banks. I supposed the 'workload' here is the hunt,.. rather than studying on investment instruments and other global activities. For myself, I would rather be satisfied with an 11% yield per year, payable every month and furthermore, get to learn about new instruments and get to participate in overseas investment-related activities. The workload here would be studying investments instruments, fundamental analysis, technical analysis and attending seminars and AGMs worldwide. I wouldn't say it takes a lot of capital to invest using my way,... it's just whether a person is wiling to go down the route or not,.. and willing to try or not,... So,..let's not say that I am able to do what I am currently doing because I have a lot of funds at my disposal,.... and others do not. I have seen even young Singaporean novice investors starting to do what I am doing with minimal funds. I know this for a fact,... because I am their guru,.... So,... what's stopping us adults in Msia ? I see that many of the young novice investors in Sgp are still university students, and they save whatever they could to start on their journey,... So,... what's stopping us ? The good life of not needing to work hard to invest,... and the comfort circle that is holding us back- that's all,.... QUOTE(Hansel @ Mar 22 2016, 08:29 PM) If I am designating an instrument as a vehicle for me to park my Emergency Funds, I wouldn't use return as an important factor anymore. I would use liquidity and safety as the factors. Basically this explained the whole view of ASX.. Nicely written and straight to the point. Why ?... because if I start to think of the 'good returns' of the designated instrument, then I am sure I would start to skew my thinking into parking 'ALL' my funds into that instrument. And this, is in itself, destroying the basic purpose and the required function of setting aside of Emergency Funds. Emergency Funds should be just an amount of funds necessary to maintain one's lifestyle for 6 months in case he loses his income - not more,...... One should not associate an Emergency Funds parking vehicle with a vehicle for returns. YOU are not putting your funds inside ASX because you are using it as a vehicle for parking your Emergency Funds,.. face it,... you are putting your funds inside the ASX because it is a vehicle of return to you, being that you find it safe, can easily give you a STABLE dividend (which you said in your posting),... and you DO NOT need to do any work to learn about this ASX,... you only need to trust it. It is only your SECONDARY OBJECTIVE when you treat it as a vehicle to park your Emergency Funds because of its liquidity,... it is definitely not your primary objective. Do recognise the difference here. Yes, the reason I like the fp is that relatively safe, stable return, and this 2 factor = worry free. And whats the best is that you actually no need to do hell lot of research to earn that 6%. Well compared to the 10% which is high risk. This fund for me I think is suitable for those uncle and aunty which is going to retired and to those student which is really really busy with the study life. Or no life. Who don't like money? I myself frankly speaking, FSM actually under my radar and I wanted to try it so hard with maybe around 1000.00 myr. But, I can't really find out the time to do this... Just too busy..... But looking at other people like those in art stream student or free life student ** take note I am not looking down on them, I just comparing the leisure time we had ** going shopping mall, watch movie, not enough money take from dad and mum, those with girlfriend more worse, take dad and mum money go raise gf, buy this buy that in the end don't know got become husband and wife or not spend so much money already. What la... Use the money buy UT or what or FD also more return than the gf. Well maybe got fubu and they might think is worth it. And this ASX also, not that clear actually the whole thing. Do they actually earn? Or do they actually can give more than 6%? Or do they actually give out the reserve eventually, because from what we see, every single year also got reserve, impossible la only 6% pa.... For the past 20 years reserve around 2 %... ** this they said they capable of giving out 8% pa every year ** where is the rest? Pink spider do highlighted this points. Too much to write. Now getting old already.... |
|
|
Mar 23 2016, 06:10 PM
Return to original view | IPv6 | Post
#63
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
5,752 posts Joined: Jan 2012 |
QUOTE(Hansel @ Mar 22 2016, 11:32 PM) In the world of investment, it is always said that when you are young, you should take on more risky assets, with higher adjusted returns. YOur stocks to bond ratio is around 80% stocks and 20% bond. When age catches up, slowly you move the ratio in the opposite direction. Sometimes I regret that I did not take on more risks when I was younger. I may have made more. Time has gone past now. Well, that's my point of view tho. for me at least. you shouldn't generalise all in 1 statement...If Sgp students can still dig out time to learn investments, then I am really wondering why our Msian students are not able to ? And finally,.... if you have a chance to earn 11% with monthly payout, then I start to wonder why do you choose to earn only 6.4% with annual payout ? So that you don't need to work hard in order to earn more ? Well then,... people who do not intend to work harder should not complain if they do not gain more in life, especially when time was on their side when they were young. After time has passed, it will not come back again. Finally,... I get the message - Msians would rather earn less so as to have an easier life. Perhaps this would be applicable for the older generation, but younger people ?? Middle-aged people ?? You have to understand 1 point. Not every single field works the same! If those studying account finance related or business administration waste their time on not trying on doing investment like you said.... then its really sucks. On the other hand, take doctor as an example. If HO, no need to say.. Time confirm not enough, they rather sleep, then playing what investment. We take MO as an example. Life as a MO just slightly better than HO. 8 - 5 confirmed. If oncall straight >24 hours. Later post oncall need join ward round. That also depend on what department you are in A and E definitely busy. O and G also sure busy. And the next day 5pm go back rest la. Or writing report, prepare for specialist training... and discussing with consultant. Thing repeats..... While a more leisure job - teacher. 6 - 2 confirmed. Maybe one of the days 6 - 6 for koko or weekly meeting. Go back around 7, marks paper, prepare lesson plan for next day until 10. Sleep. Now they doing better. Last time under moohy got want online fill up data. need to wait till midnight for server to cool down that even keluar newspaper. Impossible you miss this news. Now that server closed shop already... I take the 2 jobs above as example because I find them really busy and really time constrain, and yes, they are pretty young too around 24. whats better investment for them? Maybe property? FD? ASX? If they having family... More serious Well, for student. The Big 3 - Med, Dent, Pharm. I know they really really busy. And hell lot of stuff to study. Don't believe? Ask kkk8787. 8 - 5 confirmed. Make presentation, study, essay writing, case writing, follow up. All takes time. All stress up and I do understand sometime, they go and relax abit via some entertainment... Who don't want money... Who... For those slack people, lazy people surely wasted. But those are doing the right thing at the right time, persuading their dream, contributing to the community, you cant say them rather earn less so as to have easier life. |
|
|
Mar 24 2016, 04:37 PM
Return to original view | IPv6 | Post
#64
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
5,752 posts Joined: Jan 2012 |
|
|
|
Mar 24 2016, 11:03 PM
Return to original view | Post
#65
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
5,752 posts Joined: Jan 2012 |
|
|
|
Mar 28 2016, 08:11 PM
Return to original view | IPv6 | Post
#66
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
5,752 posts Joined: Jan 2012 |
QUOTE(Ramjade @ Mar 28 2016, 02:34 PM) Asm ~ 2 year + Joining FSM or joined? I plan to do that with 1000 myr first lol. And your ASG 3 years? Shouldn't be that bad right? What the IRR up to now? Asw, as1m < 1 year (as1m didn't topup anything) Asg ~ 3 years + (going to withdraw and dump into FSM. Never topup anymore) QUOTE(Hansel @ Mar 28 2016, 02:41 PM) I held-on to my full portfolio of ASM units from FY April 1st., 2015 last year till eond about Oct., 2015. The dividends that I have accumulated from April 1st., 2015 till Oct., 2015, ie till I sold-off my units... how would I be receiving this dividend ? In reinvestment or in cheque paid out to me ? Reinvested. Either way is okay to me,... QUOTE(MGM @ Mar 28 2016, 03:07 PM) Last last mine was around +3.2% during last December. |
|
|
|
|
|
Mar 28 2016, 08:15 PM
Return to original view | IPv6 | Post
#67
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
5,752 posts Joined: Jan 2012 |
QUOTE(Ramjade @ Mar 28 2016, 03:20 PM) QUOTE(Ramjade @ Mar 28 2016, 04:35 PM) Asnb declare dividend for ASM. Only it wasn't clear dividend going to be in units or cheque. Cheque is given if no approval from SC to increase fund size. If give cheque, got extra work to do. Cheque > cash in cheque > try luck in topping up. Well, do you know its quite hard for you to ensure that profit > loss in this current market by ASG? Because when their so called income distribution, the NAV actually decrease by the percent, and looking the KLCI, is that possible to climb back up? I think no...... If units, just update book. UT by FSM give better returns than ASG. ASG service charge 5% + 6% GST. FSM service charge max only 2% + 6% GST. That's the reason I am going to liquidate and taruh all into UT by FSM. Liquidate when confirm profit and not loss. |
|
|
Mar 29 2016, 05:55 AM
Return to original view | Post
#68
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
5,752 posts Joined: Jan 2012 |
QUOTE(gReeN sOda @ Mar 29 2016, 12:15 AM) yea.. actually you know how to calculate the ASG? cause i calculate mine.. the num of units seems lesser after using the formula (amount/NAV seunit). Well can you tell us the exact date when you invest into asg? And what is the nav during that day? Maybe you can gain from it since you buy when the market low... |
|
|
Mar 29 2016, 07:58 AM
Return to original view | IPv6 | Post
#69
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
5,752 posts Joined: Jan 2012 |
QUOTE(gReeN sOda @ Mar 29 2016, 06:58 AM) ok... Rite now the transection is suspended now. Have to wait 1/4 to reopen, that time only have the nav value. Then you use that Nav to multiply the units you have. its written also. If you invest at feb, I don't think you're on the loss side. |
|
|
Mar 29 2016, 08:09 AM
Return to original view | Post
#70
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
5,752 posts Joined: Jan 2012 |
|
|
|
Mar 29 2016, 09:05 AM
Return to original view | Post
#71
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
5,752 posts Joined: Jan 2012 |
Hey, correct. Its 9164.
And yea, do you remember the nav during 22/3? Try calculate based on that. But as I say earlier, I don't think you make loss alot. |
|
|
Mar 29 2016, 09:15 AM
Return to original view | Post
#72
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
5,752 posts Joined: Jan 2012 |
|
|
|
Mar 29 2016, 10:26 AM
Return to original view | Post
#73
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
5,752 posts Joined: Jan 2012 |
9794
|
|
|
|
|
|
Mar 29 2016, 10:46 AM
Return to original view | Post
#74
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
5,752 posts Joined: Jan 2012 |
QUOTE(Ramjade @ Mar 29 2016, 10:35 AM) Rm10k/1.0363 - (Rm10k/1.0363 x 0.05) = 9167.22956673 (if I factor in GST, your value will become even lower than 9164) This. 9164 x 1.0687 = 9793.5668 = 9794 Lol actually the value appreciated. If income distribution 7% Meaning Nav = 0.9939 And 9164 * 107* = 9805.48 9805.48 * 0.9939 = 9746. Still after all, lost 300. Because of the 5% sc. |
|
|
Mar 29 2016, 01:09 PM
Return to original view | Post
#75
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
5,752 posts Joined: Jan 2012 |
|
|
|
Mar 30 2016, 11:12 AM
Return to original view | Post
#76
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
5,752 posts Joined: Jan 2012 |
How about ASM?
Ehhh my bad. Still suspended. This post has been edited by [Ancient]-XinG-: Mar 30 2016, 11:14 AM |
|
|
Mar 30 2016, 06:27 PM
Return to original view | Post
#77
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
5,752 posts Joined: Jan 2012 |
|
|
|
Mar 31 2016, 05:52 AM
Return to original view | Post
#78
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
5,752 posts Joined: Jan 2012 |
QUOTE(guy3288 @ Mar 31 2016, 01:07 AM) 10% pa nett gain, paid out consistently, Diversify is good. But since you did invest in many area, what's your opinion in asx fp compared to other? Currently do you have any investment which is around 7% monthly? I do really wish to know because I am dint touch any econ or finance in my school days up to now. Lol. What I am study now also not related to business at all.is simply too good for any product with comparable risk(to ASX). Surely many would want to know what exactly are those products you have there.... |
|
|
Mar 31 2016, 10:42 AM
Return to original view | Post
#79
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
5,752 posts Joined: Jan 2012 |
Per month? Pay out is per month?!
|
|
|
Mar 31 2016, 10:53 AM
Return to original view | Post
#80
|
![]() ![]() ![]() ![]() ![]() ![]() ![]()
Senior Member
5,752 posts Joined: Jan 2012 |
Owwhhh. I thought that is what Hansel say.... 11 % per month.
|
|
Topic ClosedOptions
|
| Change to: | 0.0277sec
0.72
7 queries
GZIP Disabled
Time is now: 12th December 2025 - 10:06 AM |