I made a transaction before 3 pm yesterday on FSM. Till now the status is still processing. Usually how long does this take to finalize ?

I know the feeling when you know where to invest. you know how to make money work for you but the only road block is that you don't have enough. I been there before. only stopping me from going a out is that I have a 500k housing loan to keep me in check. one mistake and I can potentially get myself in more debt.

my honest opinion is try saving whatever you can from your daily expenses. set a saving limit. put said savings into an account and shift the money into any investment vehicles. it's slow. it's boring but it's your money. not the banks. hope you are careful in what you do.

Guys, please man. Help me.

Yesterday was a good day for Asian markets. Hang Seng Index was up by 1.20%. Yet why my Greater China Fund makes up a measly 0.19%, and my Asian Pacific Dynamic Income fund lost 0.11%? Not logical. Was this affected by the appreciating Ringgit in any way? I'm at loss for words!

Affin Hwang Select Asia and Ponzi 2.0 overlaps each other and to top it off affin hwang has a higher volality and more  Malaysian allocation.

Regards
his policies cannot sustain themselves for long. you provide a tax cut and pulling companies and factories to stay in the states but honestly I rather have cheap workers from under developed countries than Americans who ask for higher pay and medical coverage.

my take away on how great he will make America great again.

WhAt you all view in this:

I have few friends been investing for some time and they say never buy unit trust but go for stocks. They show calculation that the same long term investment even with FSM 2% charge in losing over 100k in chrges.

FSM assigned it a risk rating of ten because their house view is that it is a sectorial fund and automatically assign it the highest rating by default. FSM lump it together as though it is energy or gold fund because the fund invest in only one sector that is REITS only.

However, if you look at its measured of volatility in the FSM fund selector as well as the own fund fact sheet, the volatility is around below seven, which to my opinion does not deserve such a high risk rating.

Xuzen

Good quality REITS usually have anchor tenant that would have signed long term contract with them. Example: AXIS REITS have DHL, PAVREITS have Parkson, Jusco, AL'AQAR REITS have KPJ hospital, etc. Unless some serious SH1T happens, REITs can be quite resilient.

Xuzen

Not liquid enough? Do I detect a UHNWI?     

Perhaps because of the volatility in the market, many investors both retail and institutional are holding on to good quality dividend yielding instruments lately?

Xuzen

But if it is cimb prs fund eventually they r buying from cimb which is the same as we buy ourself from cimb right?

Between you and I, one of us is seriously misunderstanding what liquidity trap is. I'm a nobody, so maybe it's me.

I buy and hold local REIT. I don't trade it. Don't see what's wrong with moving the price a little. When I buy unit trust, and if that unit trust manager buys a particular stock eg this same REIT, they will move the price too. Despite the ut price being "steady", the amount of new stock just purchased by UT manager is reduced as the price of the stock moved by the purchase. There isn't a special market for UT managers to buy/sell this REIT without moving the price. Isn't it just the same?

When I can, I hold the direct stock. I used ut for things that I can't do directly easily... Like spreading geographical exposure

just out of curiosity and keen to learn....
i had read may past posting about allocations, some posted about their portfolio allocation.....
was wondering,...
after having selected the "diversified "portfolio...(for example: the above post)

how does one go about setting the allocations?
example.....some go for india 5% and some go for india at 16%

how does each of you determine the allocations for the fund?

You see how volatile is it. It went up, now 3 days also go down. It went up a lot, then down a lot. Means very many volatility about it.

Smaller investments I guess you won't see much of the $ difference in service charge.

Go with FSM then, no need to complicate things.

People don't like eUT because :-

1. Put off by the old looking interface - no confidence.

2. Misunderstood the web pages. The biggest deterrent is '* not tradeable online' - which mislead almost everyone into thinking that all funds in the selections are not tradeable online ! I guess they don't even read the web pages themselves to realize the problem. The administrator need to be given a big knock on the head ! LOL.

3. Customer care also pretty clerical - does not give the warm of customer care.

Actually I am now thinking along the line of jump ship again to POEMs singapore ( eUT counterpart in singapore), as it is promotion everyday = 0% SC everyday, 0% platform fees.

1) That's why one should only invest the money one can afford not to lose within a reasonable time frame, one should have a sufficient emergency money before putting extra money oversea for investment to minimize the chances of withdrawing oversea investment money that bear the risks you mentioned

2) Depending on the investment vehicle/platform, for Singapore, you can have banks such as CIMB to transfer between Malaysia and singapore without TT charges (although there is the forex spread, as long as you do not do this frequently, this should not be too big of a concern)

depends on how much money you dca

Normally I DCA minimum amount

If I plan to invest in Singapore, I will transfer from CIMB malaysia to CIMB singapore without TT charges.

Yes, forex risk is there, but if the investment vehicles' potential outweigh the cost, one should not be too concern on that

Sure thing. But I can only do it next week. Too many transactions this week especially in my gambling portfolio.

Portfolio for my main account. Photo shot only.

400 a day That is 12k a month. That must be a platinum  member.

Your goal is to beat inflation/FD. FD rate is usually = inflation.  However in malaysia, inflation > FD despite what official channels claim about inflation.  Trust me  Putting FD is not enough (living proof).

Friend Vanguard 2015,

How quaint! I am also in the similar demographic as you. We are from the same generation, that is, Gen-X'ers.

My following post is actually meant for the younger working adults, those school leavers who have just entered the working live. Hang in there buddies, wealth will come. I mean normal wealth not those obscene wealth derived from unlawful or corrupt means.

Vanguard, I believe and I are your regular worker type. We are not businessman and we are not those born rich type. We are your regular Joes, who after graduating from uni, got our first job, jump companies like a few times and just work, save and invest what we could afford. .

I do not flip properties, do not trade shares or play option. Do not play forex etc. My wealth is mainly in the KWSP which is accumulated from years of regular employment. From there I do regular withdrawal to participate in the KWSP-MIS scheme since ten years ago.

Do not be too in too hurry to get rich by doing things that are risky. Don't try to be hero like listening to your peer to play forex lah, flip properties lah, binary option lar etc.

Stay cool, go for the long haul. You can do it and retire comfortably.

Two years ago I was in the maket to change my old beat up MyVi and even I could afford to hire-purchase a D-segment car like Camry / Teana or Accord, in the end I settled for a Honda City full spec. Why? Always live below your means, it generate much less headache.

If you are being taxable, then watch your tax, plan it in advance so that you can minimize your tax payable.

And lastly, stay healthy and stay away from risky behaviour.

Xuzen