ramjade prob got time to log in log in, come in go out for it la.

How long do you think the bull will last? Maybe need to reduce exposure to Malaysia UT after election...

All is only paper gain/loss anyway. I'm investing for long term, so just need to do rebalancing from time to time   

Is Interpac Dana Safi still a good buy at this juncture? Or has the risk-reward ratio become unattractive?

Wow, i didnt know this.. i wonder why would fsm implement this rule.. alright thanks for informing man. If open new account i dont think can open under my name dy as they will ask for ic all right, unless they allow a single user to open multiple accounts la.

I guess if thats not possible, the next step would be either to top up this current portfolio or manage on my own la..thanks again

yes,...looking at his previous records of RHB Smart Treasure...ave > 23% pa for 5 yrs....

Time to trim down US UT?

Lowering The US to Unattractive

Thanks! sorry let me ask another newbie question if you don't mind.. what happen if i don't pay after i press confirm order, as i was just testing out the system. The order will just lapse by itself?

confirmed we have spy in this thread liao 

FSM reads: should we wait for 20% discount?
..... "As such, from this finding, we can conclude that if one doesn’t have a crystal ball, it is wise to stay invested in the market as it can be very costly to time the market."

Yup. Directed to me. Let me balas back with this article. For those who still think time is not important, they must be kidding themselves.
http://investmentmoats.com/stock-market-co...-bear-market-2/

If this guy haven't DCA/average down, his average price would be worse.

The thing is it take guts to plough money into when the market you buy is at the top

I agree with you. Opportunity cost. Everything come with cost. Investing big during major bear market will give you extraordinary returns (if it work out to your favour).Investing a small amount during bear or bull market will never give anything significant. When a 60 year old uncle showed you his returns by being patient and bide his time you know he his right. No need to listen to hot blooded youths who want quick money.
Hahaha... We shall see. Talking cock am I? I have provided proof and links all these while to show my steps. I think enough proof and talk. Let my own results speaks.

In case you didn't notice, i took the following opportunity
- Sell down of reits after trump, pump in for manulife AP reits (this was a big drop)
- Pump in money during india "removal of currency"
- Pump in money into asia pacific when sell down after trump

If you still think waiting is a waste of time,
Those who bought citibank shares at USD1 during GFC would have made 6000% return. There's no fund in the world able to make that much.

If I am talking cock, still think I can provide all steps and how to invest in SG? Still think I will share all the articles if I am just talking cock? I have nothing to prove to anyone except myself as it's my money.

Moving little by little is still doing something rather than not doing anything and crying like a baby about it. Everyone start small. Remember that unless you have inherited a golden spoon then it's a different story.

In investing it's about being practical and logical. It's about preserving what you have (even if what I have is small). I have said. A 10% p.a returns in terms of rm and in 10% returns in terms of other currency (you can put in any country currency - THB, IDR also welcome when compare against RM) is big difference over a long term IF the RM drops at an annual rate of 1-2%. I don't diew myr. My approach is simple. Why do more work (generating more RM yourself) when I let something do the heavy lifting for me without puting in more work (no need for me to work for more RM).

Eg.
If one is sending kids overseas for edu, one needs more RM (remember in the newspaper parents suddenly need to cough up 20-30% extra for their kids education because of the RM?) Now where to find more RM? Work harder, get more stress, get more disease, Sell house. After sell house, sell what?
Now, compare with another person who invest overseas. No need hunt for more RM as maybe they just need like extra 5%?

In investing, the amount you topup matters. A topup of RM10k makes a lot of difference with a RM1000 topup. A 10% return is RM1000 and RM100 respectively.

And if you think it's penny wise pound foolish to invest small amount, then a 1-2% drop on a yearly basis gets compounded. Never underestimate the power of compounding.

I rest my case if you still don't get it. The point is you don't need to be HNWI to start (a lot of people think you need to a priority banking customer and only the rich can afford it) A small amount will do. The thing is get started.

This is not to scared anyone. Just a practical and logical point of view and yes I expect this post to get reported again

Off Topic. 

Whatever said and done, no matter who is right and wrong, I admire Ramjade for one trait; his perseverance or tenaciousness.

He reminds me of a drunken bar brawl where a person is outnumbered 5 to 1 but he keeps on swinging and doesn't give up.

You have an elephant's memory, sis. 😃

Yes, it was me who said many moons ago that we can't get rich from unit trust investments. It should just form one of our baskets of investment.

20's and 30's is when one work hard to build a career. Early 40's and early 50's would be the peak of the earning capacity. Mid 50's and 60's would be preparing for retirement.

Hi guys, newbie here. what is Selina , Esther fund?
TA refer to TA TAgolbal technology fund?
Manureit refer to manulife investment Asia Pacific reit fund?

Ponzi 1.0 has obviously slided down quite significantly. Switching it to AHSB will be a good choice. Earn credits.

Guys I have RM100k to invest. Im totally new to Unit Trust Funds and how FSM operates.

Any sifus give guidance pls.

May I know what Algozen is and where to access it?

Talking about me? Been busy la

Anyway, one has to know the pattern of AH funds, especially for this quantum, volatility is higher and follow MY market trend more than Asia pac. I'm still keeping the fund, until teng Chee wai leaves I guess

P/s: u shd summon the fella who laugh at me for not buying more when the fund announced softclose. That time NAV was about all time high

Interesting read:

Market Crash sudah mari atau belum?

IDS climbing back up?

But looks like today will berak liao...