Won't increase so much. Why?
1) banks will increase loan first rather than FD as FD is a liability to the bank
2) loan interest usually will increase > FD interest

I use eUT MY for their CMF.
FSM MY for PRS
eUT SG to replace FSM MY as
1) I can get zero service charge everyday
2) more fund selection

For those who miss FSM 0% promo code, fear not.
Here's your chance again to buy at 0% service charge provided you have have the moooo.
eUnittrust CNY Promo

This post has been edited by Ramjade: Jan 30 2018, 10:22 PM

A crash will come when people less expect it. If everyone is sitting on cash, a crash won't come as more or less everyone is expecting it. Only when FOMO happens and majority of people pump their cash in pushing price higher will a crash comes.

And be concentrated in Malaysian stocks? Good luck. I prefer diversification rather than concentrate everything into bursa.

Come joint me in Thailand funds.

You can't buy at the bottom or sell at the top, but you can buy at near bottom and sell when near top

If on FSM MY, don't know. The average return of Thai index have beaten the S&P 500 over 10 years.

All funds red. Should they drop further, will warrant a buying opportunity.

That's why I learned from dasecret never chase service charge promo. Buy when market is having discount.

I think is going to continue for a while. This is because I think people are realising loan interest are no longer "cheap".

Those who borrow heavily during easy money days, well I think the time is up to pay up

Red = more shopping opportunities.

Lovely may the carnage Continue

This post has been edited by Ramjade: Feb 6 2018, 07:16 AM

May my 20% discount materialise.

When everyone groaning why keep dropping.

20% off the index should put more people into panic mode.

Could be start of something big. Remember the world is due for correction as the bull run started on 2009.

Not necessary.When such news hit front page it's usually too late. Remember 2008? Not everyone saw that coming. Some saw it. Those who saw it were labeled as skeptics back then.

If you have been reading, US economy is actually not doing well (so many stores closing, wages stagnating, inflation not roaring back to life and Feds just keep increasing rate - they are preparing the next crash as interest rate at 0%, you can't do much. Hence they tried to make it to 2% so that they can do something)

When to fire is the million dollar question. Fire too early and you are out of ammo unless you have infinite than...

Bagus bagus

If one fire at every 5%, good luck.

Who says I been holding back? I am just building my war chest for greater stuff while remain invested but I don't go chase blindly. If I have stayed at the sidelines, how would I have known Japan small caps is a gem?

That's why. 3.75% if it goes back up. Should it turn lower, one will experience more losses.

For me, I don't need to chase service charge promo as I can buy everyday for free. So basically I can just seat and wait. The advantage of free service charge

I don't think I need to wait very long as market is overvalued + increasing US interest is starting to crack the US market

This post has been edited by Ramjade: Feb 6 2018, 10:51 AM

This is the time you keep your eyes peel open and get ready your cash.

This is the time where cash is king. If you have been using cash to relentless topup, you are just able to see your portfolio turn red and can't do anything about it.

This post has been edited by Ramjade: Feb 7 2018, 05:42 PM

Correction. Futures shows DJIA and S&P500 in negative territory. We are not out of woods

Sorry. I don't do those funds. I believe in consistent winner rather than one time champion.

When there's super sale nothing is spare. Not even good funds.