Just feel up stating tak dapat mencapai target.

Rates dropping. You want you better lock in.

My ASW from 1997.
Stagnant till this year -May after I discovered this wonderful thread on opening ASM & AS1M & learn how to top up too.

Great to hear that .. yeah i must say this is a amazing thread with all the wonderful people here ....

Yes, I was thinking auntie must have >2M for saying 2% extra can be for her daily use.

Have losses from UT and some bad experience there. Banks RM really NG on their recommendations.

Not easy to get consistent return from UT.

This time I actually diverge some dough from CIMB Klibor (called back by CIMB) and MBB GIA-i into FP. But also top up some from matured FD.

This post has been edited by bbgoat: Oct 19 2016, 05:58 PM

I don't need much per month. 2% extra is good enough for me.

If I were younger, I'll only stick to ASX FP and properties/ REITs investment.
Long time ago, I'd discovered no FUNs with VP UTs. Only Funds manager/ agents having FUNs earning fees from you.

my bad...

Yes. FD the safest one but its also have lower rate because lowest risk

UT on bonds should be more consistent on return and less risky than equity?

Yes but the returns almost similar to FD rates

Yes and no. Local bond funds like rhb islamic/bond fund, libra asnita are stable. Funds like rhn asian total return are unstable even though it's a bond fund.

Yes. But the return like FD level
So your choice is

Have one bond fund that held for 3 years. Initial "promise" is return of 5.2 to 5.5%. Later have about 3.5% on maturity.

Which bond fund is that ?

Which REIT auntie invested?

If not in written in paper (agreements), don't have high hope

This post has been edited by nexona88: Oct 19 2016, 07:06 PM

You show your color so fast?

I only wanna confirm with you personally that Your stand is that FD or ASX is a waste of time.
Clearly you refused (dared not?) make a stand here.

From the tone of your reply, it is obvious you take offence to
my factual statement: "many in FSM cant even get 6% returns".

I can see you all in FSM glorifying FSM UT investment so much and looking down
on ASX and FD people as if our returns are so low.

Who is the guy with big ego?
Those who keep saying/hinting people who invest in FSM UT are clever/smart,
and those who put money in FD or ASX are stupid. Who are these people?

For those who dont know, go read FSM.

Ask Ram, who got bullied with every attempt to post anything there,
till i could not tahan the bullying,and joined the fray to teach them a lesson or two ,
by reminding them , "why so egoistic you FSM fellas?" ....."just how high is your IRR?"

And that is why this dasecret talk about me comparing whose ball is bigger,
when in actual fact those FSM guys are the ones who keep glorifying FSM at the expense
humiliating ASX/FD investors.

And that is why you see pinkspider and dasecret started making post here, in a thread they
actually hate and look down upon. (ask them how much they invested in ASX or FD)



comparing the returns (aka IRR) from various investments you have is unavoidable.

Otherwise you would never know how much you actually get back for the amount of money
and time invested. Which is better investment, which one to drop and which one to choose.

I was not there to laugh at those in FSM whose IRR was a miserable 3-4%. I was just trying
to point out those other egoistic sifus who keep humiliating the FD/ASX people,
hey we can get more than you la, so dont keep saying we are stupid and only if invest in FSM
is considered smart investors.

I cannot believe my ears when those in FSM with poor IRR said IRR is just a number, meaningless number.
that sounds like a sour grape. How can one not bother about the IRR at all? Why invest?
You want to make money! How to gauge that? IRR is one way.

People fear comparison only if they cannot accept what they are "cheering" or "glorifying"
is not actually what they get. Self-cheating so to speak.




Go read FSM, many pages back where i argued with them.

They would tell you they bought at the wrong time la, market crash la etc, so return <ASX.

Meanwhile they will laugh we at ASX are stupid,
conveniently forget that market crash or not ASX pays out 6+% same.


Yeah, we continue to enjoy our return here, let those in FSM who thinks they are "superior" to carry on, but recently they invaded this thread.

Have you guys missed out that BIG red color post by pinkspider in ASX thread (last version)?

I was worrying about my bond target fund purchased in UOB.

Whatever it is on FSM supporters going to say.... as long as we enjoy consistent 6% plus plus for next 5 years ( short term) and another next 5 years then all of us will very happy already......

AMCONSTANT MULTI MATURITY 2. Already matured early this year.

The best is Public Mutual. Invested 100k in 2000, by 2014 4.4X. But after that, keeping the same value until now.

Thinking of whether to move it elsewhere !

This post has been edited by bbgoat: Oct 19 2016, 07:27 PM

A fund which cannot outperform FD is not worth investing in (hint:ASG, ASN3)