it's not fsm that is to blame for this but the way BNM regulates how we invest our monies. Singapore is a financial hub and rightly so but the protectionist Goverment of ours continues to hinder us. then again some may disagree that it's better to have less choices than too many choices.

No.no.no.. you misunderstood. I'll depend on the other 90% for my living expense. The projection is your life saving will last for your life time, for example, by next 20 or 30 years, you'll used up all your life saving. Assuming your ROI will take care of inflation and extra spending. The 10% is to grow your capital or at least maintain it. That is the plan anyway. If you screwed-up the 10%, you're still ok, may be nothing left for your kids after you die on schedule

I do not intend to have kids anyways so care for much about passing on. maybe sell my house and live in an apartment then place it in a will to be passed on to charity.

When the market is crashing, how does not identify it early ? If we wait until it is fairly obvious, a large part of it is already gone.

This post has been edited by puchongite: Dec 14 2016, 04:56 PM

Strategists Predict Growth in Asian Markets for 2017

1. China, India remain overweight targets among strategists
2. Trump trade policies, stronger U.S. dollar to impact Asia

URL: https://www.bloomberg.com/news/articles/201...egy-predictions

just like stock trading. you can set a notification for yourself when is the lowest comfort level you want to lose your capital. with stocks we have a floor price but with UT it is a bit hard. maybe we could skim the profits and lock it into money market? let the capital run through the course and weather the storm. once it has passed then reinvest the profit back in?

So it is China, India, not Asia Pac .....

some articles mention China as all doom and gloom and India too.

take everything with a pinch of salt

interesting...thank you very much for sharing.
i read about a recently retired blogger in Sg...he uses his 3-tap solution to sustain his retirement.
quite like yours too

2 years+ = 45% ROI there about.

Good times. Now cannot already.

No one answered means no one invest in Quantum already? Lol.

This post has been edited by TakoC: Dec 14 2016, 07:03 PM

don't have IRR figure. But i suspect higher than that for mine. Not by big margin

a few of us here have picked up Quantum just that they may be busy trying to chase for last week of 2016 sales to get bonus.

kimyee73 aye I read through your 3 tiered approach and this is similar to the pocket within the pocket approach. one pocket for unit trust and within that pocket there's a long term, mid term and short term pockets and another pocket called stocks which has the same only in different industry with varying dividends and returns. thank you for putting a name onto this. I'll read up more.

titan all time high yo. 8.xx% now.. lol

Not just titan. Almost all US funds are performing well.

Manulife US.
Ta global tech.
EI global leader.
......

This post has been edited by puchongite: Dec 14 2016, 08:58 PM

Unit Trust Investment Fair: What and Where to Invest in 2017
https://www.fundsupermart.com.my/main/resea...st-in-2017-7814

7 Jan ...Penang
14 Jan ..KL

0.5%SC on all participation FHs....

How safe is it investing using FSM? A noob question.

There is no sure fire method of identifying. Some would set a stop limit, such as -10% from high watermark. Some would use moving average crossover. Some would probably asking for opinion in this forum. Personally I would use indicator on S&P 500. Beware of false-call though. Once triggered, you can either skim all your profit into MM like what mentioned by Avangelice, or reallocate certain percentage from equity to MM. If the crash is really big like 2008, it is better late than never. In 2008, the indicator actually triggered couple of months before the other 80% of drop from S&P 500 all time high. Based on about 40% drop in 2008, if you take action then, it already drop 8% but would have avoided the other 32% drop.

safe as in what?
chances of losing invested monies due to DIY or
chances of being cheated or FSM platform being sort of just a Ponzi scheme?
or what do you mean by "safe"?

https://www.fundsupermart.com.my/main/faq/1...-and-Safety-230

part of the FAQ you should read. not noob, valid question although FAQ is there.

if word of mouth is what you need, i guess the number of respondents here are a fairly good number?

too late to purchase tho. I saw the charts if we buy now we will be purchasing at the apex curve. that's just me lah. if wanted to buy should have purchased right after the elections