QUOTE(OPT @ Sep 23 2017, 05:37 PM)
Still a high risk because interest rate may change and you're suddenly stuck with higher debt rate locally...as well as lower return overseas should regional economy impacted.
Should not use debt to leverage, betul tak Ramjade Ramjade
means so fast after join worklife your savings UP UP UP and enough for overseas investment?
Malaysia interest rate cannot go up. Too many people have debts.
Depend on how you use debt leverage. Can use for trading or use to gain double amount of dividends. 6% dividend can be 12% - debt interest.
Me? Rather than channel what I have into malaysia anymore, slowly I shift them to SG. Nothing much but enough where returns are decent 3 digit cash per year.
In SG I pay nothing for their UT. No service charge, no platform fees.
If buy from FSM MY I lose 1.75% already.
QUOTE(savvyaunty @ Sep 23 2017, 06:16 PM)
Still quite high risk I feel. Investing overseas has much more variables - forex rates, political situation in other countries etc and anytime debts % rate may go up
Maybe I'm more conservative in taking risk
I am also conservative.
If you have no money, stay in malaysia first. Build up your cash. Start slow.
Once you have sufficient cash, start going out. That time you have a choice to choose continue investing locally or overseas. Eg. You have RM12k cash in hand. You can choose to continue to dump that RM12k into amanah saham, or you can dump into SG reits/UT and earn that same 6% I park in amanah saham first until I see favorable rate, then I convert. That's is what I am doing now. Go slow. Invest say SGD2-3k/each time as I am not loaded.
If 3x is too high for you, can consider HK. Only 2x our currency.
Reason: RM long term trend will go down (10 years+)
A 6% returns in malaysia is not the same as 6% overseas over the long term.
Hope this help.This post has been edited by Ramjade: Yesterday, 07:23 PM