haha. it's also sexy if one knows their way around the kitchen. you're the sexy man with finances and she's the sexy one in the kitchen. i would like to try some of her pies too. oh wai... not an inuuendo is it?

Given a choice I won't visit a doc who checks stock market in real time feed. Will you ? LOL.

Tell that to Manulife AP REITS. This fund gave me 3.2% return in 3 months vs Amasia which only give 1.xx% after 6 months+!  Both same amount just different buying time.
You could also use this simple allocation.
http://www.turtleinvestor.net/asset-allocation/

Replace STI with Nikko SG Dividend Class
SG Bond etf with Affin Hwang Select Bond Fund
REITS with either Amasia/Manulife
VWRD with Manulife US.

Talking about calculative, you must be no 1 liaow. LOL

It's just principal. Take some broker for eg (international ones). They charge you just for keeping the stocks you buy with them while another broker charge nothing. Both have same brokerage fees. Doesn't make sense why?

A one time service charge is better. With platform fees, even if you don't buy you kena charge. What kind of nonsense is that?   
Every new subsequent purchase will also kena charge. So you will kena charge double. Old fund + new fund 
In the long run, platform fees > service charge. 
Think of a water container with a pin hole leak. The water is your money and the pin hole leak is your platform fees. Overtime, water is loss via pinhole leak but you don't see it (cause it's too little but it's real) 

I am never a supporter of platform fees. I avoid them where possible unless no choice (see my stock eg above)

Silly question to Sifu here, always saw posting ponzi 1.0, 2.0 and esther. What is these funds and no search result found in fsm?

Many thanks.

Quite complicated:

RHB Emerging Market Bond Fund -20%
AFFIN HWANG SELECT BOND FUND - 20%
CIMB-Principal Asia Pacific Dynamic Income Fund - 20%
Global Titans fund - 20%
manulife India-10%
East spring small cap- 10%


target for 10 years monthly saving between balance to aggressive portfolio I guess.

Open for advice and comments, many thanks!

I switched out all my RHB Small Cap Opportunity Unit Trust into the RHB Money Market Fund. Eventually this money will be transferred out into my stock market portfolio.

Maintaining KGF and ESIC in my FSM portfolio.

Please see my signature for the list of stocks which I have purchased in the past 2 weeks since I started my stock market investment (or trading) journey. I am active in Traders Kopitiam. Out of respect for the members here, we can continue our discussion there.

opportunity cost of withdrawal $$ from EPF is abt 5.7% pa.
if possible don't touch EPF but use cash

can we use epf to invest on prs???  :confused:  :confused:

What is the additional 1k from?
PRS youth incentive?

Morning all, just for sharing. This shows where all the big investment company are putting their bet on. So maybe can help you decide where you should invest in.[attachmentid=8512171]

Edit:
Just what to add in what i gather from this info, i am noob don't flame me ya.
When Trump came into power there was a huge capital flight from China for fear of trade war. Now when things start to settle down that capital is going into emerging markets like Russia. Maybe Trump showing signs of wanting to be Putin's buddy. But China now seems to be under valued maybe for fear there is still chance for trade war. So maybe China is a good bet, with leadership change unlikely and strong domestic demands.

CIMB china went down 40% in the previous correction. Would you stay put when it happens again ?

That's question I always ask myself.

Then obama put in those stops on the banks. Now Trupm is taking away the stops. Another road to a big reset ?

FSM participants are mostly kiam siap kwee (cheapskate). The money we save can be used to buy booze,  yamcha, tok-kok & blow water. 

Xuzen

Both sifus, can I know your personal finance general portfolio? Not only UT, I mean how many % in KLSE, how many % in UT, how many % in FD or etc.

Hope to learn a thing or two from you, thank you 

Not sifu. But let me share with you my story. Used to be 100% promo FD, then move 30% into Amanah saham fixed price. Was planning to move 100%. Found out about FSM so decide to divert the remaining 70% into FSM. Got as far as 30% then realise RM is dropping like dead flies against all currency. Switch my remaining 40% into SGD for SGX. Will move out my FSM portion to Singapore UT. Additionally 10% from amanah saham into SGX and Singapore UT.

Reason for moving
1) I am trying to make sure inflation don't eat into my money
2) Protect my RM from continuous and futrue decline.

No point earning 5-7% (dividends) in KLSE and see your RM depreciate. Better earn 5-7% (dividends) in SGX and have your value protected. Same with UT. No point earning 10% in MY when you can earned the same 10% in SG.

As you can see it's not fixed. Up to individual prefences and need.

Uh......totally not related to the topic......but what are "cheong sessions"...?