If you don't mind me asking...you queue through CIMB or FSM?

I did a xirr calculation based on:
-CIMB priced at 101.5, no further fees
-FSM priced at 100, processing fee 0.5% and platform fees 0.045% quarterly. Assumption is price stays at 100 over the period.

Up to yr7, FSM is still marginally cheaper.
However FSM quarterly fees changes based on price...so if this bond perform very well after issuance...CIMB may be cheaper much sooner.

What is your thought?

You got a great RM

350k points = RM875...what point is this? Reward points?
How does it work? How to ask for this point when subscribing for bond?

***
Sorry guys it's marginally off topic..but FSM got this bond offer so still within the thread

Weird. I am holding reits (stocks) and it did not even drop.  Is like a big rock, refuse to move at all.

[attachmentid=10309927][attachmentid=10309928]

while they kiss and make money...

In the mean time I lost money in Aug19. Another five figure lost. 2% M-o-M lost.

Even defensive is no longer defensive. REITS pun kena hit.

Xuzen

All SG reits but some have business in other country.
Mapletree commercial
Frasers centerpoint
Aims apac reit
Frasers logistics
Keppel KBS US reir
Ireit
Cromwell EUR reit

I already give up on keeping track the IRR. No time and not obsessed anymore. As long as money coming in every few months on the dot enough for me.
Below are estimated yield on cost price and dividends are more or less guaranteed unless I sell and let's assume that dividend remain the same (which in reality won't as majority of my reits increase dividend on yearly basis). So all I need to do is seat back and collect cash. All on auto mode.

Gold new high again today. Those holding equity fund keep your attention on high alert.

I actually sold my RHB
I'm holding United Golden Opportunity Fund now.. Only about 12% of my portfolio.

PRECIOUS METALS SECURITIES + 17% currently, anybody selling off their gold funds? or hoping it will break 1800?

Wow. Even better.

haha nice..

I am still holding mine. +34.68 %

I don't see any reason to sell yet. Gold up + stock up, is both positive for miners.

I even added some additional position for gold last week.

But it is getting a little nervous with this quick rally. It rally quite a lot this past couple of week

be greedy when others fearful
be fearful when others greedy

imo, the fearful > greedy
anyhow, i still advise friends and families, do whatever you will sleep soundly.

lets see if it can break its previous high

Anybody hold precious metal funds right now? Noticed a minor pullback, should i topup?

I am cutting 1/3 of my precious metal fund holding

Yes, I'm waiting for 5% drop then top up again

I'm not greedy. I am +23% now. I will know my selling price next Monday.

Hi sifus, may I know when do u know when to sell your UTs, do you sell when it hits a certain percentage gain or when you have somewhere else to better invest? In a dilemma now whether to sell off my TA GLOBAL TECH as I am not in urgent needs of funds and not sure where to invest if I sell. Since fd is basically giving v low returns shd I just keep holding the UT?

Added some position into Precious Metal today.

precious metal sharpe and momentum took a hit recently. i took partial profit at 55 cents at May 29th

1 month later it refuse to go down and seems to pick up momentum again. Gold got pick up once again and i doubt they will lockdown 2nd time which should be a positive for mining. Lets see if it can go to new high this time.
u need to have a proper action plan.

Vix is unpredictable. Anytime can change directions.

I just waiting for that other shoe to drop.

My indicator are lagging indicators because they are based on price action. I cannot predict before market turn lower. I use a dynamic portfolio sector n region allocation to mitigate this effect which allows me to profit both direction. I have been slowly adding to gold position since Feb. For equity, I've cut my holding by a little bit to lock some profit around Jun. Mostly by 1/3. But after that market continues to rally with a crazy euphoria. Gold new highs. I will share here once I see a momentum change.

Retail investors are just crazy.

https://www.bloomberg.com/news/articles/202...srnd=markets-vp