Do you think more young people are going to doctors because they are richer and can afford it now? As a doctor you probably know that 95% of the patients you see have illnesses that are not life-threatening and will resolve themselves given some time and rest.

Judging from today's stock, I foresee today is another big win day for ponzi 2.0, after 2 days consecutive win around 0.9%.

to be honest I have seen many younglings who don't cut it to be in the medical line. they lack one important thing these days which is EQ. yes you may know all the conditions affecting the human body, knowing which muscle is located where and what it does but how you explain it to the patient is a total different thing altogether. I have a few friends just giving up on the medical industry to be something else.

Anyways I'm derailing the thread hope everyone is happy in their vocations and jobs. work hard. invest and find something that makes money even after you retire. that's one thing I do not see people planning.

Once you retire in Asia, that's it. your life is meaningless unless you wanna baby sit your grandchildren and watch your spouse grow old and die.

Any effects on malaysian stock market because of the murder of the N.Korean?

Nawps. my stocks are holding up well. looks like nothing is happening

Today it isn't doing that well but we don't know if it is anything to do with the murder. Probably not.

I am waiting for Ponzi 1, Ponzi 2, India, tech to cross the 12% profit mark then I run.

Hi Sifu's here,

I'm really new in FSM or perhaps is investment topic I should said.

My last unit trust was selling off with lost back in year 2008 . I'm no longer young anymore.

I has a goal for kids education let say looking for averaging ~10% - 15% return pa for the next 10 years. Of course some risk concern in mind that do not want to destroy kids education fund which end up with lose or return even lower than normal 3-4% market FD rate in next 10 years time.

I'm planning to kick-off with small amount and monthly regulated deposit for years to come.

What is the best or recommended portfolio that suit to my objective?

I'm open for any other advice, appreaciate and many thanks in advance.

follow FSM's conservative portfolio or Xuzen very low risk portfolio since he is also saving for his children.

AmAsia REITs.
Rhb emerging Bond
Ponzi 2.0
Esther fund

He don't use ponzi 2. He only buy Ponzi 2 for PRS. He include in india and Tech.

Many thanks Avangelice & Ramjade.

Any other advice?

started FSM on october 2016, all my fund is on a bull run since 2017.. in short duration, the ROI is 6%, it is indeed scary. when it is climbing higher, it has tendency to fall harder too.

After few month experience with FSM, i decide to invest using my EPF money too..DCA or lump sum? decision decision..

i would like to add eastspring small cap into my portfolio..
my current portfolio
ponzi 2 40%
ponzi 1 10%
Titan 10%
TA global 8%
Amreit 12%
RHB emerging market fund 10%
Affin Hwang select bond fund 10%

End of 2016, thr sentiment of malaysia focus fund is quite bearish, as a silent reader in this forum, i noted many of us try to offload their MY fund.

but then, 2017, has something changed?

foreign investors pulling out their investments in Malaysian bonds to be funneled back to us because of Trump's new protectionist tax cuts. we basically have been burning our foreign investments to prop up our currency. that and the 1mdb scandal going international

Question - I understand FSM charges 2% (or less) when buying funds, so in effect you lose 2% off the bat. What about when selling? I suppose you will lose the difference between the offer and bid price. Are there any other losses, e.g., redemption fee, etc.?

The big question is where are you now ? How far from 12% ?

I am at 5%+

Say near not so near, say far not so far ( based current gain rate ) !

This post has been edited by puchongite: Feb 15 2017, 01:46 PM

Thanks. Do you invest in this fund? Wondering they invest into where?

Why 12%? You do realise the benefits that you feel available in SG and not MY such as better funds would mean that in a bull run you would earn more with funds in SG instead of MY; and if you believe SGD:MYR would go up to 3.5 in near future would mean it's better to translate now than later right?

Just pointing out the obvious

just be careful....with this ~10% - 15% return p.a
for there is a possibility of 3-4% or less as feared for some years...