U just value-oriented la

like rich & soon-to-be rich folks, even multi-billionaires get a kick out of getting $1 value for 60 cents or 80 cents cost

"short term love" ok la?

i've finally moved NEARLY 50% of my equities over-the-sea (and causeway ).
woohoo! another 16%+ to go

holistically.. er.. shouldn't one take into account of one's TOTAL assets (real la, not doodads)?
coz
even EPF can be channeled to foreign focused mutual funds again now + hopefully self-directed stock purchases inn future again too

if one' cash in bank/flexi already in MYR + EPF also bulk MYR assets, shouldn't one at least look @ developed markets? at the very least?
OR
sailang all Malaysia's the best/boleh coz EPF is 100% trustworthy forever and ever & having everything tied to MY boleh?

dunno - maybe i'm just a worry wart
0.1 cent's thought

This post has been edited by wongmunkeong: Oct 29 2016, 12:34 AM

er.. he & i are talking about similar stuff, different side of the coin.

as for the EPF trusworthy thinggy - read entire sentence pls. there is a "and...", thus take into context

"sailang" = "everything in"
just flipping the other side of the coin of trusting 1 country's gov + sovereign fund + companies there 100%
VS
the 3 or more countries & 8 or more sub-assets (ie. chicken kaka method )

Simple Asset Allocation test - also good, no need no stress/pick gila nor crystal balls :
1. Equities, Developed Market:
CIMB Global Titans 17%
.
2. Equities, Emerging Market:
Eastspring Global Emerging Markets 17%
.
3. Equities, Real Estate
AmAsia Pacific REITs 33%
.
4. Fixed Income, Bond (can also be represented by EPF)
Libra AsnitaBond 22%
.
5. Fixed Income, Money Market (can also be represented by Flexi Mortgage)
RHB Cash Management 2 11%

http://iportfolio.com.my/snapshot?cntp=5&f...22000&readp4=TZ

PS:
a. Purposely simplified.
IMHO if want to spend more effort / time - might as well get into direct stocks/properties to be worth the effort

b. Simple alternatives shared too
Coz it's holistic right? not in vacuum
eg.
I wont have $ in
+Libra Asnita coz i've enough % EPF
+RHB Cash Management coz i've enough in prepaid Flexi Mortgage
+took all CIMB Global Tit.s out to fully fund my direct investments via US Exchanges, thus $0 too in CIMB Global Tit.s

This post has been edited by wongmunkeong: Oct 30 2016, 10:49 AM

lazy - told U simplified also good lor
see the OPTIMIZE>>RISK results heheh

English usage problem la
It's not auto-optimize, it's for U to screw around (add/remove/change amounts) VS your ori

is gud, is gud
more lemmings, easier to make $

have U seen REITs going down >30%-40% ar?
if not, please don't state stuff like that..

This post has been edited by wongmunkeong: Oct 30 2016, 05:05 PM

to Ramjade also
Local, SG, US, etc

example 1:
http://finance.yahoo.com/chart/5120.KL#eyJ...uZyI6dHJ1ZX0%3D

For those who cannot clink on links / lazy spoonfed flers:


U want more? go dig - so many tools these days VS old farts days of newspapers & magazines

hehe sigh... it's good that newbies are so gung ho.. thus they call it the generation-cycle or 20-30 year cycle when the new ones forgot what happened 1 to 2 generations ago, it repeats

This post has been edited by wongmunkeong: Oct 30 2016, 07:54 PM

methinks more importantly, it is the "spread of asset classes / sub-classes one is in AND still returns worthwhile" since funds / UTs comes/goes.

past 5 years data is not as good as 10, 20 or 40 (40 or more being the best since we invest that long - into our retirement BUT.. have to take with pinches of salt lar since half a decade+ difference

just my 0.02 thoughts

dasecret kamsia kamsia for the sharing.
BTW - how/where U find such nice stuff ar?
from our local (now MIA) UTC?
just wondering what they provider "gets out of it" - WIIFM (What's In It For Me), coz i don't see any subscription / email request, etc.

heheh - thanks guv
my adblocker + anit-popups seem to have worked wonders, was monkeying around with it for awhile (1hr+/-)

for those with nice fat $ accumulated or >=1/3 of their investment assets in cash/$ market, they will love U if it happens

the rest will hunt U down and give U a columbian necktie for "creating such events", even if U can't really affect the outcome, they will still demonize U

thus, beware of what U wish for - it may come true and then U have to deal with it

man-with-a-plan
no one can stop this man

go up - happy
go down - happy
sideways - also happy

ah.. U studying there?
ouch

up/down or left/right - doesnt really matter to me, already near/at the allocation %s i want to be in. now it's just focusing on tracking & tweaking on/off
+
saving my butt off to build another cache of bullet - been spending too much past 3 years (equivalent to my previous 6 years' spending, i just noticed last week when reviewing )

Proper Diversification:
Asset Allocation,
Sub-asset allocation
+
Markets diversification,
Time diversification
+
don't go crazy with 25 mutual funds/UTs/ETFs.. (used to be in such situation )
ohm... ohm..


Just a thought

er.. where did U pull that "With EPF, you are confirm get +2% above inflation"

http://www.kwsp.gov.my/portal/en/member/fa..._viewMode=print
"..
Under Section 27 of the EPF Act 1991, the guaranteed minimum dividend rate is 2.5% per year on members' savings. As such, members are guaranteed to receive the minimum dividend rate in any situation.
.."

Different country's EPF or new syariah compliant wan izzit?

This post has been edited by wongmunkeong: Nov 3 2016, 08:02 PM

so.. it's just based on "he says"?
and using that as a basis of truth
and also telling others that too instead of the legal/contracted as the "confirm can get"?

cool
makes it easier for others to "make $"

English - no difference between targeted Vs contractual minimum Vs "will get"?
never mind - continue on.. music/pianos & cows..