Some may feel offended by this, but I'm just speaking the truth.

Ram oh Ram, u ni still a student, plenty of spare time.

Many of us here are busy businessmen and professionals, we could be busy from 9AM til 2:55PM then baru ada masa log in internet read business news or check our UT portfolio then decided to top up...

Wanna log in Maybank2U, uplift itu apa eGIA, then log in FSM and then use FPX to pay? To a busy people, even 1 minute can do a lot of things.

I conclude my "insult" of the day.

the 2 comments above show a very positive attitude towards money(investment)

everything starts from small, no one can become BIG suddenly, out from no where.

Trouble is many only start to look when that amount is big (to them), when small they ignore, dont bother,
they look down on it.

That's why we hear people  say, "aiya why bother that small amount, that is not even enough for my one go at the pub... etc..."

Truth is if you have such a habit of not knowing how to "value" your money ( starting at small amount),
you are likely to continue your habit the same when you grow bigger. Next time you become a miilionaire, you would say, aiya what is RM5000, nothing lah, 0.5% only ma......the same.

To me, every little extra in % counts, even just 0.5% more. When your amount is RM10,000 that RM50 may not seem big. But it is not the amount, it is the way you look at it that matters.

SO yes, i support you 2 guys!

It is not about big or small sum issue, sometimes it is about petty issue.

In investment world, you can't possible "maximise the return" one, aka try to find lowest to buy and highest to sell.

For long term investment, you take a bigger picture and more long term view instead.

Eg.
You correctly bought a stock/UT that worth Rm10 today, if looking back, there is not much a difference if you had bought it at RM1.00 or 1.05.
A long term and bigger picture, is that you made a right decision that you had bought it, be it RM1.00 or 1.05.

Same with property, today your property worth RM1 mil, does it matter you bought it 500k or 520K?
The matter one is you made the decision to buy when it was 500k or 520k.

You don't try to "maximise the return, so that you must buy it at RM1.00 or Rm500k, as in the process of trying to "maximise" the return, you might miss the opportunity to buy it entirely, which you left with no profit.

So from here, we can see, it is the future prospect of current investment that matter the most. Not whether current level is lowest or not.
If the investment has no future, aka over the long term may make a loss, buying at the lower than your friend also no use one. Making less loss than your friend, it is still a loss.

I agreed on maximise return in term of putting FD in a bank that has higher rate, yes, this is correct way to maximise return, because this "investment" we know the outcome aka you will be fully paid on the interest.

But in investment that full on uncertainty, we can't possible maximise the return unless we have a crystal ball to know the exact timing and future outcome.

Cherry picking, and focus on too petty issue sometimes is not good "behaviour" for investment over long term.
We can't possible earn every cent one that available. Instead a bigger picture and long term view may provide way bigger return.

Good sirs,

Please allow me to put in some perspective:

While you are arguing eGIA-i vs Asnita Bond vs CMF for parking in terms of how best each will give you ROI, you people are being petty, that is, no matter which one you choose, the difference will not be a lot.

e-GIAi = 4% p.a

Asnita Bond = 6% p.a.

CMF =  3.5% p.a.

Unless you are talking about parking a million or two ringgit, the end result is insignificant for couple of months placement. The difference cannot even pay for one cup of Starbucks Americano Vente. This is what we called penny wise, pound foolish.

While you are arguing about this insignificant thing, India oh my lovely India      went up 3% in a week.

In one week how much is e-GIAi ROI? 4/52 = 0.077%. 

In one week how much is CMF ROI? 3.5/52 = 0.067%. 

In one week how much is Asnita Bond ROI? 6/52 = 0.115%. 

My point is these instruments are there for a purpose other than for generating ROI.

Xuzen

U guys don't seem to get xuzen's sarcasm.

He's indirectly telling, guys who are comfortable with FDs and eGIA don't belong here. Come here talk bulls and cocks then at the end chicken out...come for what?

Investments are not for u.