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FundSuperMart v18 (FSM) MY : Online UT Platform, UT DIY : Babystep to Investing :D
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vincabby
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Feb 20 2017, 03:39 PM
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QUOTE(Steven7 @ Feb 20 2017, 03:37 PM) Great rule, thanks for the info. However FSM suggested a 40% bond, a little bit too much? hm. it might restrict your earning potential? but when the market crashes and rolls, you might be the one laughing to the bank because of that 40%. so again, no right or wrong, too much or too little. if you feel too much, reduce and rebalance.
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vincabby
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Feb 20 2017, 04:05 PM
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QUOTE(janice17 @ Feb 20 2017, 03:49 PM) lady investor here  And i'm convincing my bf to join FSM.  nothing sexier than a woman who knows how to handle finances. and their man!
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vincabby
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Feb 20 2017, 04:38 PM
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QUOTE(Avangelice @ Feb 20 2017, 04:06 PM) Yeap exactly why I placed a not much allocation into AmReits, just wanna point it out to the new hopefuls who wanna ride the return wave and lump sum into a fund. Apply caution when following advise here people! ........ you dissing my girl now bro? I'll have you know she knows how to make the best pies..hahahaha. 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?
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vincabby
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Feb 20 2017, 04:50 PM
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QUOTE(Avangelice @ Feb 20 2017, 04:42 PM) hahahaha...very astute my young friend! thanks doc!
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vincabby
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Feb 20 2017, 05:22 PM
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QUOTE(puchongite @ Feb 20 2017, 04:57 PM) Given a choice I won't visit a doc who checks stock market in real time feed. Will you ? LOL. i don't really have an issue what does in his free time. just don't check trade while mending my bones will do.
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vincabby
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Feb 23 2017, 09:44 AM
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hopefully not poking at the hornet's nest, but where is chris lately? did he migrate to FSM singapore?
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vincabby
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Feb 23 2017, 10:08 AM
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QUOTE(Avangelice @ Feb 23 2017, 10:06 AM) he will be back for sure and with the new job he is applying it will get only worst. i really just hope that when he becomes a risk manager, it brings out some humility in him https://forum.lowyat.net/index.php?showtopic=4202864&hl=gg.com funny how i just went through his profile as well. unit trust fund huh? i thought he would be a stock broker instantly with his gung-ho ness and playing his stocks like cards in a chor dai di game.
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vincabby
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Feb 23 2017, 12:31 PM
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QUOTE(adele123 @ Feb 23 2017, 12:15 PM) or quietly making money and not showing results to us... i'm curious... not because i will do the same, but genuinely curious. last he said was 6.9%. would be good to get another update in that sense.
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vincabby
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Mar 1 2017, 10:21 AM
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any kind soul can fill us up on what that turd talked about and promises he made?
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vincabby
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Mar 1 2017, 03:29 PM
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QUOTE(woonsc @ Mar 1 2017, 03:28 PM) title says financial padawan. have you gone past the trials to be a financial jedi yet?
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vincabby
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Mar 2 2017, 09:38 AM
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QUOTE(coolguy99 @ Mar 2 2017, 09:34 AM) can i ask once i sell a fund, the money will be deposited into FSM? or into my bank account? if not mistaken, you can choose to put it back in your CMF or cheque back into your bank account you registered with them.
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vincabby
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Mar 2 2017, 11:40 AM
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QUOTE(Avangelice @ Mar 2 2017, 11:38 AM) aaaiiissshhhh, that sucks. fine then. Red Dragon. red being cimb official colors. better than typing cimb greater china green dragon stronger i think. always associated with guan yu, red dragon is the general colour. just a off topic thought!
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vincabby
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Mar 2 2017, 11:46 AM
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QUOTE(2387581 @ Mar 2 2017, 11:43 AM) then we may need a white tiger fund...to complete the 'left green dragon, right white tiger' concept. some people believe they are the guardian of their house, or in this case, the wealth.  really? my parents always say our house is in the middle of green dragon, white tiger because of the neighbours always fighting against each other. don't sound like a good thing though. back to topic. we need a white tiger! apa fund macam harimau putih yang ganas??
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vincabby
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Mar 6 2017, 08:39 AM
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QUOTE(adele123 @ Mar 6 2017, 08:31 AM)  strongly agree with the above though the season-ed property investor would not care... if you ask me, said karma is not working fast enough. or maybe even heaven or hell don't want them so they're stuck here wreaking havoc still.
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vincabby
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Mar 6 2017, 08:53 AM
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QUOTE(puchongite @ Mar 6 2017, 08:48 AM) That's not quite fits the definition of property flipping, even LHDN does not count that asset gain value as taxable.  That's investment. DEFINITION of 'Flipping' A type of real estate investment strategy in which an investor purchases properties with the goal of reselling them for a profit. Profit is generated either through the price appreciation that occurs as a result of a hot housing market and/or from renovations and capital improvements. Investors who employ these strategies face the risk of price depreciation in bad housing markets. Read more: Flipping http://www.investopedia.com/terms/f/flippi...p#ixzz4aVEDCD7y Follow us: Investopedia on Facebook or are you saying investopedia gave a "not so fitting definition of property flipping" as well?
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vincabby
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Mar 6 2017, 08:59 AM
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QUOTE(puchongite @ Mar 6 2017, 08:57 AM) Contrast it with Unit Trust buying and selling then.  well if you put it that way, then there's not much discussion to have about it.
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vincabby
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Mar 6 2017, 09:18 AM
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QUOTE(puchongite @ Mar 6 2017, 09:10 AM) Concept of flipping has to be tied to the duration one holds the asset. If I hold an asset for more than 5 year and sell it after that, and still considered flipping, something is not right. fair enough. so less than 5 years only will be considered flipping then.
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vincabby
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Mar 7 2017, 08:22 AM
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i guess it all boils down to which one factor you wan to tip the scale with. you got time to kill? then save up on money. you want to save on money? then kill the available time you have. to one his or her own i suppose?
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vincabby
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Mar 7 2017, 08:31 AM
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QUOTE(Ramjade @ Mar 7 2017, 08:27 AM) Have you guys no thought that iFast have to answer to it's shareholders to increase it's income? Only way to increase income is increase charges. It might not happen now, But will happen eventually especially if they have no competition to keep them in check. They are a publicly listed company you know.  cross the bridge when you see it? many things might and might not happen. did you foresee a north korean dead in KLIA? all this tit for tat between malaysia and north korea? but you have time to spare and to go south and back. so you can do what you do. no wrong in that. just be careful when you travel though. safety first!
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vincabby
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Mar 7 2017, 08:49 AM
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QUOTE(HarpArtist @ Mar 7 2017, 08:42 AM) I guess if time is not valuable to certain someone, he will travel to world everyday to looks for cents  meanwhile I believe most other people actually do have constructive things to do with their spare time. An importer could save money if he decided to travel and pay cash instead of TT to suppliers, but the time he wasted, how much opportunity lost  and again back to the idea of scales, what factors will you use to tip it to find balance. one benefit found might be one thing lost.
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