avoid Healthcare stocks.

they are placing Healthcare as underweight for the year onwards.

depending that transaction bro.

cash management fund is T+2

purchase is T+3

sell off T+3

one thing I am proud about malaysia is that we have gone through so much shit that our finance and banking sector are highly adaptive and stable. Stupid policies like the NEP, race based politics and corrupt government have tempered our spirit.

that being said I take it very personal that our prime minister is having shit in his head and I'll avoid malaysia for the time being in my portfolio.

How to improve when our klce fluctuates between 1600 to 1670. true enough KGB and ponzi 1.0 jumped in tandem when KLSE rose from 1635 on the 3rd of January to 1677 on the 12th of January but it is just temporary I do not see a horizon or a catalyst for us to improve our current standing

I still place Malaysia as a no go until things stabilizes.

Ps I also consider my epf as part of my investment portfolio which has mostly Malaysia investment so yep. I lose nothing by not touching Malaysian EQ

This post has been edited by Avangelice: Jan 19 2017, 01:29 PM

Total lost incurred.

2% to interest rate.
2% to service charge
1.8% platform fee for EQ (calculated in nav)

Total 5.8%

return rate for January 2017 to December 2017 (best case scenario) = 8%. worst case scenario 6%

Total return. 2.2% / 0.2%

lol. worst than savings account/inflation rate

This post has been edited by Avangelice: Jan 19 2017, 02:34 PM

A special interest rate/ management fee of 1.99% flat per annum (equivalent to effective interest/
management fee rate of 3.65%p.a. – 12 months), 2.99% flat per annum (equivalent to effective interest/
management fee rate of 5.64%p.a. – 24 months) and 5.88% flat per annum (equivalent to effective interest/
management fee rate of 10.87%p.a. – 36 months) will be charged to the Cardholder’s account based on the
amount approved. This is a one time interest/management fee rate and will be calculated upfront on the
principal amount and will be billed over a period of 12, 24 or 36 months instalment as selected.
E.g. for approved QuickCash amount of RM20,000, the monthly instalment is computed as follows: [RM20,000
+ (RM20,000 x 2.99% x 2 year)] / 24 months = RM883.17 per month.

why you no read the terms and conditions??

investing money that's not even yours yet to time the market. sounds like a brilliant idea when you do make money but if you don't...kaput.

ebrokers allow you to buy stocks with money that isn't yours first and sometimes x3 to x2 the amount. that's how people get into trouble

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.

well said. I don't wanna have to go suddenly from this world and leave 4 debts onto my dad. it's a sinful thing to do.

knowing him double thick means

"the fuck you waiting for, sai lang!"

you do know that fund managers may be investing in SOME stocks that may be in the yellow instead of green sometimes right.

example. klse goes up by 100 points because 20 stocks went up the day but other 200 stocks stayed the same on the same day.

Don't know where you got your information from

Taiwan Semiconductor Manufacturing Taiwan 8.30%
2 Alibaba Group Holding China 6.00%
3 China Mobile China 4.20%
4 Tencent Holdings China 4.20%
5 Sina China 3.80%
6 Weibo China 3.80%
7 Bank of China (Hong Kong) Hong Kong 2.80%
8 China Construction Bank China 2.80%
9 China Pacific Insurance Group China 2.70%
10 AIA Group Hong Kong 2.60%

country allocation.

China 67.70%
Hong Kong 14.90%
Taiwan 13.60%
Australia 2.40%
Liquid Assets 1.40%


asset allocation.
Schroder - ISF Greater China 97.35%
Cash 2.65%
Total 100.00%

my two month old portfolio that I built after trump. only thing I got rid of is kapchai and anita

I'm happy with the returns. contestchris chill just take things slowly. I'm not letting it go on autopilot.
Total ROI to date 2%

This post has been edited by Avangelice: Jan 20 2017, 10:44 AM

i did a major change onto my portfolio. Added 30k on to of my 20k portfolio post election day

Got Eastspring emerging market, ponzi 2.o, Manulife US, Esther Bond fund, RHB AIF

The ones that maintained were Manulife India, AmAsia, TA global.

Prior to Trump, my roi was 6% and was brought down by Malaysia funds to near negative returns.

This post has been edited by Avangelice: Jan 20 2017, 12:06 PM

I can always switch to kap Chai next year or the year after . Fuck yeah intra house free switch for the win. that capital was from kap Chai fyi and I stop topping up. hahahaha.

plug and play is my style. anyways you are right on ta global vs Manulife. I'll just keep them both as status quo as they already hit their target allocation.

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.

they are looking to start a war they may not even be able to pay with China but prod and poke they are doing onto our Chinese look overlords. they fucked themselves over when the populist and racist bigots votes trump over Hillary who thought the people of America are too stupid to vote for him. pfft.

check the volality and the returns and compare it to AmAsia REITs, from there you get your answer. also infrastructure vs property. I rather invest in properties rather Goverment projects.

think it is because properties have always been giving good returns? when it's cheap people will buy when it's expensive people make money from it. I think to him it's a win win situation. plus what's not to like properties in a growing market that had potential. that's my take on it. Asian properties are always good as compared to the old and saturated Japan, Inflated prices in Australia and Canada along with developing countries.

I hope you are prepared to get whacked when you tell Master Xuzen he is old.

Anyways he did his research. stable volality wins the race in a long run. think of a reliable cheap family car that will bring you from point A to point B at a slow and steady pace, you may face potholes and such but you reach your destination.

getting high risk funds are like buying a ferrari. sure you get to point B faster but at the cost of it breaking down easily from a minor pothole or worsy engine damage.