U r so generous, some of group B are Gen X la... but I'm one of those that fit your definition in group B; seems to be the more conservative type who prefers to watch paint dry instead of keeping in exciting

Been doing it for longer than most on this thread... slightly over 4 years

I prefer not to showcase my IRR and ROE; would only comment that even with a auto pilot 60EQ:40FI you can achieve 9% p.a returns quite comfortably

Depends on the ratings on the bond.
I'm pretty sure all A- to AAA rating bonds will be weather it.

Not investing with borrowed money. Housing loan is my first house for my own stay. But I can have extra savings monthly after deducting my monthly house installments and have 6 months installments parked in the flexi-mortgage account.

As I have extra savings every month, the dilemma is to put into the flexi-mortgage account to save interest or invest in UT?

No idea how the Cs team managed to compare one tech fund with global titans which invests in US, Europe and Japan. not the same yet he came to a conclusion it's better than the other.

https://www.bloomberg.com/news/articles/201...by-najib-budget

Southeast Asia's Worst Stock Market May Be Buoyed by Najib Budget

"The 2018 budget to be released on Oct. 27 is likely to include an increase in cash handouts and infrastructure spending that will filter through to consumption stocks, builders and construction material suppliers, said Rudie Chan, the chief investment officer who oversees 40 billion ringgit ($9.5 billion) at Eastspring Investments Bhd. in Kuala Lumpur."

“The budget is going to be expansionary, there’s no question about it,” said Chan at Eastspring, whose Malaysian small and midcap fund has returned an average 24 percent annually over the past five years to beat 90 percent of its peers.
"While Malaysia has received 9.5 billion ringgit in foreign investment since the start of January as its economy grew at the fastest pace since 2015, the FTSE Bursa Malaysia KLCI Index has only added 6.9 percent, lagging behind the 23 percent gain by the MSCI Asia Pacific Index."


    You guys better top up the local funds and give support! 

"The Bursa Malaysia Technology Index, the best performing industry gauge out of 10, has jumped 77 percent this year and closed at a 12-year high on Friday, driven by the global demand for electronic products that are fed into the global technology supply chain from the country."

Which fund has this index as its benchmark?

Thanks sifus for the advice.

For now, probably give her 36k ( 18k each) for affin hwang and cimb.

Then, fsm put in 5k each for affin hwang and cimb. Play safe for now.. Hehe...

Not much experience yet on fsm.

Wanna learn step by step

This could be the preview.

  if only if, this is year end profit taking and investment houses rebalancing by selling overprices stock and move to value stocks.
then tis is an annual occurrence at tis time of the year?