Nexona is right ! I'd be selling everytime I see a chance to convert out. But if there is no chance to convert out, ie waiting for good forex rates, other liquid funds available to send out first.. etc,... then I'll leave the funds inside PNB.

But yeah,... no choice-lar,.. to me, the RM is not worth investing into anymore, earning the RM from normal daily work is okay, but consciously investing and making more RM is not the right way to go today,... for me-lar,..

Added : I guessed it's win-win-lar,.. I'm happy to leave, and others are happy to buy more,... this is mkt ! If everybody is happy to leave, then it won't work for me anymore.

Nexona is right ! I'd be selling everytime I see a chance to convert out. But if there is no chance to convert out, ie waiting for good forex rates, other liquid funds available to send out first.. etc,... then I'll leave the funds inside PNB.

But yeah,... no choice-lar,.. to me, the RM is not worth investing into anymore, earning the RM from normal daily work is okay, but consciously investing and making more RM is not the right way to go today,... for me-lar,..

Added : I guessed it's win-win-lar,.. I'm happy to leave, and others are happy to buy more,... this is mkt ! If everybody is happy to leave, then it won't work for me anymore.

Sifu,

You are my idol and I m tailgating you closely. From nothing in Dec 2016 to have quite a big sum in Sg reits, I think this is a great achievement. I m not smart but I m willing to learn and do some simple research. Hope to bear more fruits in future.

Nexona is right ! I'd be selling everytime I see a chance to convert out. But if there is no chance to convert out, ie waiting for good forex rates, other liquid funds available to send out first.. etc,... then I'll leave the funds inside PNB.

But yeah,... no choice-lar,.. to me, the RM is not worth investing into anymore, earning the RM from normal daily work is okay, but consciously investing and making more RM is not the right way to go today,... for me-lar,..

Added : I guessed it's win-win-lar,.. I'm happy to leave, and others are happy to buy more,... this is mkt ! If everybody is happy to leave, then it won't work for me anymore.

Sifu,

You are my idol and I m tailgating you closely. From nothing in Dec 2016 to have quite a big sum in Sg reits, I think this is a great achievement. I m not smart but I m willing to learn and do some simple research. Hope to bear more fruits in future.

Speaking with a few estate negotiators these few days, concluded that many properties in Klang Valley are declining their values, which included some properties from the conventional demanding areas.

Yesterday, an agent sent me a list, 11 new units kicked out from booking because of loan rejection.

It is now the buyer time, especially for those with rich cash in hand.

Buying properties, maybe, an alternate of convert out, to secure weak RM.

I'm thinking of that.

Bro,.. I am flattered,.. I'll try to help out wherever and whenever possible,.. can earn better karma,...

Then : I am very happy that you have moved so far in yr pursuits for yr retirement,...

Speaking with a few estate negotiators these few days, concluded that many properties in Klang Valley are declining their values, which included some properties from the conventional demanding areas.

Yesterday, an agent sent me a list, 11 new units kicked out from booking because of loan rejection.

It is now the buyer time, especially for those with rich cash in hand.

Buying properties, maybe, an alternate of convert out, to secure weak RM.

I'm thinking of that.

it's a buyer market yes, but buyer still needs to get loan to finance their purchase.

and banks are very prudent now, and loans about 500K is very hard to come by unless one has very good credit rating.

and property markets all price their product >500K, of course can't get buyers lel

Malaysia has young population, so the demand for housing is always there, it's the matter of affordability.

Nobody wants to build property below 500K anymore nowadays... all want to build near prime area, 700-800K range.. how?

Speaking with a few estate negotiators these few days, concluded that many properties in Klang Valley are declining their values, which included some properties from the conventional demanding areas.

Yesterday, an agent sent me a list, 11 new units kicked out from booking because of loan rejection.

It is now the buyer time, especially for those with rich cash in hand.

Buying properties, maybe, an alternate of convert out, to secure weak RM.

I'm thinking of that.

Same here. But I am not tailgating you closely. Have other ideas up my sleeve (provided no restriction). lol Remember, I don't have enough Moooo to tailgate you closely. 

it's a buyer market yes, but buyer still needs to get loan to finance their purchase.

and banks are very prudent now, and loans about 500K is very hard to come by unless one has very good credit rating.

and property markets all price their product >500K, of course can't get buyers lel

Malaysia has young population, so the demand for housing is always there, it's the matter of affordability.

Nobody wants to build property below 500K anymore nowadays... all want to build near prime area, 700-800K range.. how?

today got 5k for AS1M
hmm...For the past few months all i able to topup is AS1M only. Any special news that I don't know, ppl are withdrawing from there and I still blindly topup?

Invest in Sg REITs via Fsm?

Couldnt get any asm for today. Will try again tomorrow.

Four digit top up on Friday for all 3 books.