That's what majority of people does. Sell when it start falling and buy into things that are rising.

End of the day get buy high, sell low.

Always have cash standby ready. People laugh at you for holding cash but without cash, cannot take opportunity to buy cheaply.

You use UT for quick trade. Zero commision. I know of some people doing that. At the end of the day is still a tool to make money. You are welcome to use how you see fit.

By trying to escape market and buy low is a form of market timing.

I only buy when things are cheap. Cheapskate ma.

This post has been edited by Ramjade: May 25 2019, 01:06 PM

All your questions can be found on first page of this thread.

Can no issue. Been there done that. Only in Malaysia.

Philip money market fund.

What united global funds are you guys taking about?
Can give link?

Reits already expensive. You can buy more if you think they are still cheap. I already stopped buying.

I only use eunittrust MY to buy their money market fund (MMF). If FSM offers higher interest for MMF, I will switch. As mentioned by MUM 0% only valid for transaction of RM5k and above. Good thing about eunittrust MY is no quarterly platform fees for bond funds compare to FSM. Is there really 0% platform? Yes But not in malaysia. In SG only.

You can consider
Stashaway also or DIY S&P 500 Index w/ 0.07% Annual Fee

No deal and market crash.

G20

Nice. Will allow me to pickup more SGD on the cheap.

When is cheap and have collected enough cash. Not going to convert every month. Convert like every 3-4 months. Right now also consider cheap. But if can go cheaper even better.

1. Yes good place.
2. If you are going more than 3 months can try asnb fixed price fund. More info can be found here
https://forum.lowyat.net/topic/4677986
I don't do FD anymore unless interest they give me is very high like say 4.5%p.a for 3 months which HLB did give last time.
3. FSM default money market fund. But again I don't use FSM service anymore except for PRS.
My preferred money market fund is Phillip money market fund.
Reason:
1/ higher interest than FSM
2/ same day withdrawal if you use maybank, better than FSM need to wait like, 2 days.

Avoid. Stay far far away. Many people here complaint their managed portfolio performance sucks.

You can forget about FSM manageed port and dump money into stashaway. It can't get any better than investing in US etf.

Nope. Not possible. That's the disadvantage of going with a robot. No control. If you want that, have to DIY. Nowadays DIY very easy and cheap.
https://forum.lowyat.net/topic/4744515
https://forum.lowyat.net/topic/3396549/+1260 (read the last 10 pages)

This post has been edited by Ramjade: Jul 20 2019, 07:31 PM

Buying gold via unit trust is a bad idea. Slow and inefficient. Gold is best bought via SPDR gold ETF.

I am into dividend investing. Market up or down makes no difference to me. I received dividends every few months. Market up I hold on to my purchases. Market down I buy more. Thus generating more dividends. Collect the dividends wait for opportunities then invest it back in together with capital injection.

Open Interactive broker account, buy SPDR gold ETF from US market. More info at the 2 links below.
https://forum.lowyat.net/topic/4744515
https://forum.lowyat.net/topic/3396549

Difference is 2%p.a fees if go with HelloGold. The 2% fee is not worth it. Not sure if fees have been reduced.

Yes. Stocks. I avoid malaysia at all cost (ringgit issue). My main source is SG but I am opened to other markets without dividend tax (HK, UK). For country with tax (US, Canada) haven't started. Waiting for price to drop first. Already started with Hong Kong.

So far so good. Returns (real cash) have been in 5-7% region. Capital gain 30%+. I don't see capital gain as that's only true when sell. I don't intend to sell but keep.

The tax is for US companies. You are only tax on dividend. Cannot run away. But US have some of the best companies the world have to offer. Yes worth it when price drop significantly as when price drop even with 30% tax you are on the 3-4% region which is still attractive. Not to mentioned some companies in US will increase dividend in a yearly basis without further input form you. But US is generally quite expensive now.

If you buy for capital gain, no tax.

This post has been edited by Ramjade: Jul 28 2019, 01:16 PM

Why do you think I cheer everytime Trump tweets or market drop? Dividend investor don't like high market price as that will reduce your yield. By price being low, dividend yield can be high. High price is bad for dividend investors.

Not one that I am aware of.

Is already so high. How do you want it to go up? If you want it to go up, need to buy when is down. Common sense. Yes high can go higher only if there's a raging bull market.

This post has been edited by Ramjade: Jul 31 2019, 06:09 PM

HK uunrest have cause some good quality Hong Kong stock to go on discount. But they are not mouth watering level yet.