Do the math (without prejudice) and u will know.

If I were younger, I would be offended by this type of comment.

But then I look back. I was also young and cocky once. I thought I knew everything. But I was lucky. I met a lot of humble people who were intelligent and successful in life. I realised that there is so much more in life that I need to learn.

Remember the cliché? “Be kind to everyone on the way up; you’ll meet the same people on the way down.“

A little humility goes a long way. Try it my friend.

Learn this word - arbitrage

that word needs lots of leverage or capital to be worthwhile neh

thus have to learn 2 or 3 words

This post has been edited by wongmunkeong: Sep 14 2016, 05:26 PM

Well, I'm quite sure I won't do it although I do have some money in CMF to make it worth my while
But I've accumulated some credits so far and haven't even use them yet

Anyway, for discussion sake which low risk balanced fund would you go for at this point? Market quite volatile wei, all the RHB local funds don't know will go down further or not; ringgit is quite weak at the moment, if ringgit strengthen foreign funds like RHB Asian Income fund may lose money... it does take about a week for the whole process to go through

And tips to those who plan to do it, don't buy the following funds as there's no FI fund for intra switch:
- RHB Smart series funds
- Aberdeen funds
Boss any other fund house to add?

p/s: I'm so sure FSM would read this but just smile instead of doing anything about it, best customer retaining tool ever. With hundred of thousands of credit points don't think they would go anywhere else

For discussion purpose only......what about RHB Asian Income Fund or Affin Hwang Select Balanced Fund (in FSM's Recommended List)?



This post has been edited by Vanguard 2015: Sep 14 2016, 06:57 PM

How much u intend to sai-lang?

Gua tarak berani go all out..
Yea, there's promo.. But we needs to practice DCA too..

Wah so interesting the conversation these days...
No need la sampai sell house, sell car, pawn jewellery...

Lesser known fact : UT positions can be leveraged.

come come do it quick...opportunities don't come always.
0.57% + mkts already downed a few days.....

come come do it now before FSM closes the door (loopholes)

Or do like Mr guy. Buy low sell high. Forget all the DCA stuff.
Action speaks louder than words (picture of proof of not doing DCA)

The short answer : to follow your pre-determined plan which you have prepared before taking on the position.

If your plan was to rebalance down, then sell. If your plan was to cut losers and load winning positions, then buy.

😁😂😁😂😁😂

This post has been edited by lukenn: Sep 14 2016, 09:24 PM

wtf my Post #390 got reported...

why nowadays too may butthurt people everywhere

and for your answer Ramjade
we cannot really time how low.. maybe now u see "wah so low, can go big". after bought, NAV goes even lower

While i'm a person who believes in lowering transaction cost, playing around with the credits seems a little risky considering there's always promo every now and then, not to mention referral, etc.

anyway, there are not many fund houses that we can choose for this purpose. I thought RHB charges RM25 for every switch?

for discussion purposes, there's affin hwang select income fund, which while it's considered fixed income, sales charge is being incurred, i wonder if it's considered 'loaded' units. for the purpose you mention, this would be 'safer' i guess.

I have no intention to sai lang. My credit points sudah melimpah-limpah due to overtrading. In fact, I can start a sub-topic to sell my FSM credit points.


Hi, thanks for the info. Anyway, my earlier posting about borrowing from Ah Long, etc. to obtain the FSM credit points is meant as a tongue in cheek statement. I am sure the forumers here understood that.

what just a "tongue in cheek statement."??

i thought it was a "command" or an investment advise

Rubbish-lah. My knowledge is only as good as you if not worst.

This kind of wishy washy answer....

The conventional Hwang Select income fund is no longer available for purchase on FSM as mentioned few pages ago, the shariah equivalent - Affin Hwang AIIMAN Select Income Fund still can buy it seems

On RHB intra switching, switching out or into RHB Money Market fund does not attract RM25 switching fee and at the same time can use credit. Tips from our resident credit ninja master

It's very difficult to give advice for assets not under my care. I nether know
1. Value of the position,
2. Strategy for that portion the portfolio,
3. Goals and intentions for that portfolio,
4. Holding period intended,
5. Percentage of position in the portfolio,
6. Percentage of that portfolio in relation to wealth,
7. Volatility of the position in relation to portfolio,

With that being said, the best advice I can give you is to follow your initial plan, which should have at the very least covered
1. Investment objectives,
2. Rebalancing strategy,
3. Take profit/cut loss triggers,
4. FX hedging,
5. Options for tactical allocations,
6. Time horizon,
7. Circuit breakers,
8. Triggers on whether to top up, or remove the position completely

Still wishy washy, or concise enough ?

.
.
.
.
.

Alternatively, you can transfer all outstanding assets to be put under my care, and I can work out for you. Hehe