my advise is Don't wait till 16 Apr ...for you money may be held till 19 July (early or later) as referenced in your email that they sent.....

"That the Manager be and is hereby authorised to terminate the trust in respect of the Fund and to wind up the Fund on 19 July 2018 or such other date as may be agreed upon between the Manager and the Trustee and that the Manager and the Trustee of the Fund shall be authorised to do all acts and things necessary to give effect to the termination in respect of the trust of the Fund and the winding up of the Fund."

"Upon winding up of this Fund, the termination proceeds will be paid to you
(i) via E-payment or (ii) via cheque which will be sent to you at the correspondence address.
For investments made under the EPF Members Investment Scheme, termination proceeds will be paid to the EPF to be credited into your EPF account.
Should you wish to switch to another fund, please contact your adviser before 16 April 2018."

to be sure read below advise....

mind telling the dates between these Yellow lines?

just curious what happened to the port during that period?
what did you do to the port?
the mkts goes haywired from 2 Feb 2018......but yours looks a lot earlier......


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thanks for sharing...

i am still holding 10%...will see how it goes later in June...
for ManuReits and KGF both are same "Bad" for the last 3 months

found many in google....
https://www.google.com/search?q=etf+lowyat+...iw=1920&bih=963

my port tooks 2 months to goes to -7% as of 28/3 Navs from its peak on 30/1....
just hope that you guys are not as bad as mine....

just bet RM10k into Greater China today....
previous 2 bets are still RED.....

fyi...this 10k is of insignificant value relative to the port value that are already in RED this year
so don''t follow me...unless can afford

just be informed just now.....
Ponzi 2.0 benchmark is 8%pa (based on 3 yrs average)

if gives out 4% dividend pa. (right pocket out left pocket in)

since its inception in 2011 it had been making > the benchmark.

those that still believes in CIMB management team and are looking to park their EPF can try study more on this fund.....






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and I got 15% in that....


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meeting will be convened at the following date, venue and time:
Date: Monday, 16 April 2018

Winding up of the Fund
That the Manager be and is hereby authorised to terminate the trust in respect of the Fund and to wind up the Fund on 19 July 2018 or such other date as may be agreed upon between the Manager and the Trustee and that the Manager and the Trustee of the Fund shall be authorised to do all acts and things necessary to give effect to the termination in respect of the trust of the Fund and the winding up of the Fund.

I would says it has the word "financial...."
the previous few one that I knew of is
Asia Financial crisis,
US subprime financial crisis
Euro bank debt financial crisis

now the only one possible one is the China shadow banking financial crisis....but with china's vast supplies of $$...I don't see it happening.....

if possible, may I suggest that you transfer out now...for one does not know how long it will takes before the money are really automatically in your bank after the meeting on 16 Apr.......after the meeting, they need to audit the a/c, inform SC and trust custordian, processing etc etc....maybe 1 month later??

ever wonder why the NAV growth variant so great but all the 3 risk rewards metrics does no show great variant?
what is more puzzling is that the 3 yrs volatility ratio of cimb is even higher than KGF even though the NAV of Cimb fluctuates lesser than KGF as pointed out above......


This post has been edited by yklooi: Apr 3 2018, 08:18 PM


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contradictory between these 2? One is worthwhile or significant while the other is not much really....

"The tax deductions from donations, EPF, life and medical insurance, PRS, etc, are only worthwhile or significant if you are in the higher tax brackets actually."

"And in those brackets, your tax payable is already so high, the savings are not much, really."


anyway....like pisces88 mentioned...."even if you are at 10% tax rate, u still save rm300 = rm300 return on ur 3000."....which would come to abt 10% ROI or possibly about a 4 days of expenses to some people...

no BAD yet...YTD only my KGF is the BADDEST at -7% in my port....
others are not that bad yet....

somebody must be getting out in a hurry in preparation for the announcement of dissolving of parliament?

wow,...that is BAD....for a day's drops

thanks for the detailed and easy to read calculation work out.....


if $ 780/160,650, just 0.48 %, is peanuts
then $30/150, is 20%, is durian.....

thus, am I right to say that, your statement about,
"The tax deductions from donations, EPF, life and medical insurance, PRS, etc, are only worthwhile or significant if you are in the higher tax brackets actually."

"And in those brackets, your tax payable is already so high, the savings are not much, really."

are all relative to the perspective of metric used?
if in monetary value terms then.....RM780 saved is more than RM30, then the one with 26% tax is the winner
but if in % of cost saved, then 0.48% saved is less than the 20% saved.....the one with the 26% tax is NOT the winner.

combined 2 metrics or angle of view in 1 statement...... something new to be learnt and explore more....

This post has been edited by yklooi: Apr 5 2018, 08:39 AM

thus don't start Getting your ammo ready now. Finally you can still afford to wait to put your rotting cash to work. wait till it drops another 10% than plan....for now is just about 8%

modified word form....

Damn Trump's cronies at work....