1. Agree
2. 2 cars, 2 houses (landed), spouse (mestilah 1) 
3. Agree
4. Maybe 

Wah..so many posts..

My ratio atm...ASX:FD = 60:40

My personal take on all this...

1. Never put all in one basket
2. Some people say it's best to have liquid cash in hand that can lasts you 6-9months. Very subjective, depending on your expenses/commitments. For me, no more debts means I don't need too many cash lying around 
3. Never been too bold to venture into stocks, so still no go for me atm
4. UTs got play sikit-sikit

Assets no sold, so no mm 
In fact, at current rate, most when retire will become millionaire (incl EPF)..just that atm many retirees with lower pay in early years dats y EPF so low...

Btw, seeing so many FD vs ASX comment in here 

Wah, stalker 

unker goat from 0 to 120k within few days, dats y should be nearing mine at that rate...

Don't forget unker goat FD masih manyak 

ASX:FD = secret    (but not so low lah of course)

I better go back to primary school to learn and improve my English!

AA  Don't mean to pour cold water over the consistent good dividends fire from ASX. Ha.

*** I mean what it says, not pouring cold water over the fire!

BB  No no, I am not pouring cold water on ASX

***  What more can I say. Maybe it is the double negatives ( no no) which means positive (yes)!

In a nutshell, ASX FP is giving consistently better returns than FD (except one year). One can just move from FD to ASX FP and enjoy the higher returns.

What I am trying (looks like I have to try VERY HARD) to highlight here is the danger in taking good things for granted. What if one day they stop this FP and move to VP? So be prepared should the day come.

End of story. PERIOD. Tamat. XXXXXXXX

Y u worry so much
We'll cross that bridge when we get there

I presume potential investor wud have tot on tis point b4 invest
Thus, 'worry' won't arise at all when u have decided to put the initial or top up sum

Asw 5 figure today

Welcome back.. aunty...... you are the only aunty here who already meeting the target, so i guess no need top up ....give chances to others unkers here..... 
Btw how they know you are aunty and i also doubt the rest unkers meh.....?  Someone or he himself or she herself disclose  sendiri

I seriously need help with moving my FD to ASX FP...large large sum sumore 

Method (i)
FD > SA > ASX FP

Method (ii)
FD > Cash > ASX FP > Go home if don't have > Repeat

Method (ii) is my preferred method all this while.

Bcos I'm buying the so-called best performing PM UT 'SC'...but nowadays performance like FD

Anyway, I buy sikit-sikit saja...not even 1% of my ASX FD 

I have ASX FD, I have FD...I need other alternatives lar....haven't really gone into FSM 

Not everything into 1 basket 

Don't be like that lor...
Give more info..
Like amount, what fund & what time (if possible)
Don't be shy shy

I salute your guts, being "bomb"ard left n right, for a student u did very well.

No way 100% even u add chemical to the compound: , it is only 55.0763%.
Year Dividend (sen)
2010 6.38 106.38
2011 6.5 113.2947
2012 6.6 120.7721502
2013 6.7 128.8638843
2014 6.6 137.3689006
2015 6.4 146.1605103
2016 6.1 155.0763014

Even at average of 7% it will take 10 years to double the investment.

In btw your mum must have top up lah.

My FD almost fully subscribed liao 😱

Second round

5digit AS1M&asw
4digit ASM

Haha...don't worry. Slow and steady wins the race, as long as one have a good saving/investment habit, should do well.

I'm off for the next few weeks and maybe just before the end of the year I will resume my top up. Ramjade has opted for other priorities, so looks like I will compete with Bill-His-name ✌️️

Where is mine...

While waiting in queue...what else is there to do wor? 🤔

Future no one knows...

Huat ar!