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Guys, want to ask how long does it take for FSM to verify my account? 1 week/2week?
Planning to open account to take their 0.57% SC.

Btw, if open now, entitle for 0.57% or I will get 1%?

Fyi, I did not report anyrhing and most of what I post here get reported anyway. Being kedekut is the way to go sifus.

Let you have lots of extra cash when your peers habis duit at the end of the month.

Especially when you cannot print money or have unlimited amount of money.

The target here is returns. Every one got their own strategy. All roads lead to Rome. It's just a matter of which one arrive faster. But will look into it and see which one is better for me. There's the DCA way and the trading way.

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)

You may want to consider mr guy way. Watch the nav for low value. Buy in. Once it exceeded a certain threshold, sell. He make 7+% with that method. No DCA what so ever.

How about if one set a personal target say 10% profit (doesn't matter if it goes up higher), sell the whole thing, then look at a fund which is considered low price then buy into that (using the money principal + profit) and wait for another 10%. Doable?

Why is that so? (smallcap)

We will see. We will see.

Also, I have something to asked you. Why do you prefer Affin Quantum (Ponzi 1) vs Cimb AP (Ponzi 2) when Ponzi 2 have lower risk and better track records?

Care to share what fund is that?

Walao. I never kacau you also.
At least good or bad times I am assured the 6% imagine bad for 3-4 years. Apa nak buat. Or repeat of 1998 people all panic left & right all withdraw to cut loss but those with ASX FP cool as cucumber.
Asal ~ +-EPF returns & must be > FDs for stable monthly income cukup la.

All right. Let's go. Lai. Was thinking about posting in ASNB thread but what the heck. No exposure. Here max exposure.

1. What's wrong with no transparency?
- They did give a report stating they make a loss/profit. That's not transparent enough? They only don't state their reserves.
- Main point here is you will never rugi despite the fund making a loss as they will honour all withdrawl big or small on the spot. Been there, done that.
- Even if loss but as long as give regular 6.x% returns and can withdraw in full with profits what's the problem? Is your money what. Tell me can Libra asnita do that? Give 6.x% every year without fail?
- Even you can use that when apply for loans/CC from banks. Banks accept screenshot of FSM or not?
- Even if no transparency, how come big shot pump in 6-7 figure (seen with my own eyes at a bank 2 random aunties comes to the bank everyday and pump in 4-5 figure/day)
- If people bother about transparency, how come whenever a new fund is release, lots of people line up and the fund is sold out within a week?
-> Since you like analogy so much:
Whenever apple release a new iphone, people all line up like crazy to buy. Apple don't disclose what hardware they use also. But we all know that when samsung release new phone which beats apple anyday, how come we don't see people lining up to buy? (let's not turn this into apple vs android/samsung)
- How come you see now FD rates down, lots of people trying amanah saham?
- Even if no transparency, how come ordinary people (I see people at the bank) hear the name amanah saham only kena conned into buying their other non-performing fund? (the power of the brand despite no transparency)
- You mentioned about reserves, don't you think Bank Negara will not sound like what happen the last time?

And for the record,
*being honest here = I never even look at post count or stars before now in this forum or any western forum I joined*
- So please explain about why post count is important. If get paid for post count OK la. There's nothing in it for post count!
- Not even like some forum where post count let you see some secret stuff which is worth it.

Your turn.
Now after this, I hope we can put aside out differences and focus on FSM. OK?

This post has been edited by Ramjade: Sep 23 2016, 05:38 PM

Hi, Thanks for the reply. Much appreciated it. Cause actually I am looking so see whether I am right or not. Like the DCA vs lumpsum. Both methods work. We have proof from both side. DCA works if you have heart of steel. Lumpsum technique works IF can be done like 3-4x/year (again there's proof) if one refuse to take a loss (from observation - when profit hits a certain self target, run)

Also there's a matter of taking profit. Some said hold. Some said skim profit. But if skimming profit, isn't one taking the principal too which will spoil the effect of compounding interest. All too technical calculations as I don't have any financial background. Anyway, I know already what I want already after reading a bit.

I think you guys must have mistaken me here. I am talking about lumpsum RM100k. My lumpsum is only like RM200/each time. This is what I meant -> Instead of buying the fund now at expensive price say this month (RM100/month - DCA style), keep it in CMF/eGIA-i. For me, I choose eGIA-i as it give the highest interest (don't get me started on this) and when next month comes and opportunity comes, one lump sum RM200 inside. I am thinking more along the way of VA.

When I look at the people's posting of tables of (-), board rates, promo rates FD returns, all make me
Because for me personally, I set my own benchmark that a UT MUST beat FD/EPF/ASX FP. Because no point investing so difficult (emotional challenges) when there are simple stuff which get you there too. My teacher used to say why kill a mosquito with a machine gun (making things hard when things are simple) and till this day.

You asked me to forked out lumpsum also I scared From my observation, adults just want their money to be safe (the ones I know and observed)

Hey, I am open to discussion. Sorry if it seems like personal post. lol

Thank you again.

You can try upload the pic to imgur. Then copy the link for forum (if I am not mistaken is call bb code) which will look something like [ img ] url of pic [ img ]

No need to make new account/download app. Button to upload is top right (cloud icon).

Hope that helps.

Actually, xuzen, I would like to correct you on this. People with priority banking, just drop book at counter whenever want to topup. Collect the book at the end of the day. Done. Targeted amount achieved. Once a month 5 figure also no problem. Let's not talk about priority banking (not everyone have one). Even some banks let you drop book at the counter IF you are a regular face and not a PB (personal exp - which I never use)

And as cheahcw2003 said, high liquidity. Want to withdraw 6/7 figure one shot > SA also no problem. On the spot. So is actually a perfect parking spot especially for PB customers + bumi as intended target to topup again is easily achievable. *see reasons on top*

But this is OT. (now waiting to kena report for stating the truth)

This post has been edited by Ramjade: Sep 25 2016, 09:56 PM

Few questions

1. Is it ok to leave row 11-108 as it is (not filling it up/not deleting it) and just starting from Fund B?


2. When I try adding new fund by copying the total rows in "Fund B many rows.. Self copy" (85 of them), how do I make it collapsable (like add the square"+" icon)?

What I meant is making the new row like the old column where you can "open" and "close"?


Now I tried Group Data top bar there and this is the result I got A new "+" button appeared which close everything.


3. Do I add 6.00% into the GST column?

4. NAV uses the date NAV or weighted average?

I think that's all for now.

Sorry noob in excel

This post has been edited by Ramjade: Sep 28 2016, 02:21 PM

Guys, sorry for disturbing again, few more questions.
1a) How come the value didn't come out?
1b) What amount is it showing?


2a) I started with RM3k, how come it showed only RM1k?
2b) Any idea to update/fixit?


This post has been edited by Ramjade: Sep 28 2016, 06:52 PM

Figured it out.
Now it's all back to normal.
IRR is now -1.96
ROI is now -0,02

Thanks. Got it.

Nevermind all the technical stuff. Asal can work and can get the results.

Anyway how I got it to work:
1) Delete everything except fund A cause I noticed if use fund B template, results won't show correctly.
2) Recopy back fund A, rename it to fund B and give it a test. Result shows exactly like how FSM shows it + IRR + ROI
3) Repeat the process for fund C

Yup. Target is min 10%. Following your strategy but won't sell.

This post has been edited by Ramjade: Sep 29 2016, 05:53 PM