Can be bought from FSM la. No need PM. But this year return only 2%.

2% only this year. All this year's KGF outperform ASX FP. It's fair what. During good time you get double digit. During bad tome you get low returns. There's no simpan2. Remember it's not ASX FP where you will get 6.x% regardless of how the market perform. Also a note, while other funds are red, KGF is among the only one which is green.

This post has been edited by Ramjade: Jun 2 2016, 08:54 AM

Lots of people look at short term.

But it don't give returns above the unofficial rates.

Long term wide should be OK.

ASX FP cause it's always ~6.x%. Epf not so consistent. Some more EPF hinted lower returns this year. But EPF have foreign exposure while ASX FP is all local base.

Not if amanah saham dividend cannot outrun unofficial inflation.

I guessing it's >6% since we have GST. If no GST I think is 4+%. Cause people say FD rates cannot outrun inflation. So if FD rate cannot outrun inflation, the base would have to be 4%+.

This post has been edited by Ramjade: Jun 2 2016, 01:25 PM

Unfortunately, that looks like it. That's why I am withdrawing my FD. If keep in FD, it's redundant and cannot outrun inflation. Say thank you.

This post has been edited by Ramjade: Jun 2 2016, 01:43 PM

Nope. End of the year.

Banks like to suck people's money. So no way going to give them free money. Opportunity will come. It just take time. I intend to hold until maturity.

It's ok. Non of my FD have never not make it into ASX FP. It just take time.

4.x+% My FDs all have the highest promo rates by affin bank. No more board rates/low promo rates as I don't believed in giving banks free money.

Just topup the other book lo. Stop topping up the book which already reach target

I think that's only for ASB & asb2. If like that, we take loan and buy ASX FP liao.

This post has been edited by Ramjade: Jun 2 2016, 05:30 PM

That's right. The lowest amount of the month will will be used for dividend calculation
That's why some people only topup on end of the month or early of the month to maximise dividend calculations.
In the mean time, they Park the money elsewhere.

This post has been edited by Ramjade: Jun 2 2016, 06:13 PM

Because any topup after 1/6 won't be counted. (the lowest amount of the month will be used to calculate dividend)

Eg 1.
You have rm10k as of 1/6. You topup Rm2k on 1/6. Lowest amount for that month will be rm12k

Eg 2.
You have rm10k as of 1/6. You topup Rm2k on 2/6. Lowest amount for that month will be rm10k

Eg 3.
You have rm10k as of 1/6. You withdraw Rm2k on 29/6. Lowest amount for that month will be rm8k. Your rm10k before that not counted as it's not the lowest amount of the month.

This post has been edited by Ramjade: Jun 2 2016, 06:20 PM

Check the eg I give you. Much clearer.

For now yes.

Nope. Cause bursa will need to suffer first before anything happen. Besides "invisible hands" at work also help.

No. You will need the as1m book.

School holiday starting or ending. Major festival, dividend day, major scandals. Here are the reasons for mega sale. The last one was the biggest and longest sale. (you know what happen + a rapid depreciating of RM during that time)

This post has been edited by Ramjade: Jun 3 2016, 02:26 PM