I don't need to see. History have already shown us. You think RM can appreciate back to 3.8 vs the USD or 2.x vs SGD/AUD?

Well it's your choice. I have already make mine. If you have faith in RM so be it. I don't. I regretted not listening to Dreamer last time.

That's true. Malaysia is not ETF ready. That's why Smartly the robo advisor which was going to launch in SG which invest in ETF said for malaysian and indon market, they will use unit trust instead as banking regulations does not permit ETF investing.

UTF management fees are already calculated into the NAV. If a fund beats the index benchmark, it means it also beat the ETF (ETF is based on the index) as performance of the fund have already included the management fees.

Eg. Kenanga Growth Fund vs KLCI (there are few ETF based on KLCI). It beats the KLCI by wide margin yearly. If you buy KLCI ETF, no doubt it's cheaper, but you did not beat Kenanga Growth Fund which means you get less money as the KLCI did not perform as good as Kenanga Growth fund.

Actually he's anti everything Malaysia. He mentioned anywhere is better. Even if he's pro US, he's laughing all the way to the bank as USD is still 4.3 vs the RM. Yes no doubt RM strengthen but how long can it last. I want the RM to strengthen (it's good for me as I mentioned before a strong RM can let me buy household items from US at cheaper price than malaysia as I get free shipping vs if I buy the same item from malaysia) but I am a realistic person so I don't my hopes high

This post has been edited by Ramjade: May 30 2017, 03:28 PM

Consolidate KAF > KGF = 20%
Eastapring > 5% Manulife india + 5% cimb greater china/10% india
Consolidate Rhb Emerging + Libra asnita > affin hwang.

You can use eUT to buy affin hwang select bond fund if you have >=rm5k. For this bond fund, ok to do lump sum one shot. This will save you few RM/year (no need to pay FSM MY platform fees).

KGF trumps KAF. Lower volatility, higher returns (KGF)
Emerging market is basically asia. India can be considered emerging market. Both china and India can generate high returns over what emerging market fund can do.
Affin hwang select bond trumps other other bond fund when it comes to stability and return. Don't believe me, plot libra, affin and rhb and you can see the sell off during Trump tantrum in nov and you will see which one fall the most. Bond funds act as an anchor and you should choose the best anchor in terms of stability and returns.

This post has been edited by Ramjade: May 30 2017, 10:38 PM

21 things I learnt from AirAsia 2017 AGM

Although this is a singaporean investment blog, the authors write about malaysian stocks as well as they also invest in malaysian stocks.

Correction: tiada investment in MY stock, bitcoin, gold, forex.

This post has been edited by Ramjade: May 31 2017, 02:31 PM

Xuzen orang conservative what. RHB drop because USD dropping. If you have faith in USD, keep it. RM cannot keep appreciating. Will reverse course after election. If you have faith in RM, sell RHB.

Some say in Sept after SEA game. Latest August next year.

I think because 2008 wipe off huge chunk. 1998-2008

2008. 2008 wipe out a big chunk from the market.

This post has been edited by Ramjade: Jun 1 2017, 12:56 AM

I know some people withdraw everything now and keep cash only Even Warren Buffet is doing the same. "We know crises will happen but we don’t know when. In order to account for that, we have to be prepare for mega discount." You want to sit on the sidelines or you want the opportunity of once in a lifetime? Of cause must have titanium balls for that

Imagine netting Midvalley/Maybank/Nestle at 10%p.a dividend.

Pick either Cimb Asia Pacific or KGF. Malaysia stock market die, KGF also die. Malaysia stock market die, Cimb asia pacific won't die. I pick Cimb. No more amasia reits for me.

This post has been edited by Ramjade: Jun 1 2017, 12:55 AM

Menteri cakap anything more than 6-7%p.a. is unrealistic (replying to reporters on how avoid scam) and here we are all aiming for >10%

This post has been edited by Ramjade: Jun 1 2017, 08:55 AM

I have already reached my min 10% but not sure if sustainable or not.

Be confident with what you have bought. Ask yourself whu did you buy it in the first place.

Amasia fund manager lousy.
Wonder if it can even reached 5% in a year...

This post has been edited by Ramjade: Jun 1 2017, 05:26 PM

If you want min 5% put in amanah saham/EPF/Affin hwang select bond fund. Guaranteed can get 5% p.a

This post has been edited by Ramjade: Jun 1 2017, 07:56 PM

I am gonna dump when the return = 1 year promo FD = ~4%.

This post has been edited by Ramjade: Jun 1 2017, 09:19 PM

No connection.

You sure or not? "Seeing how the property market perform currently". Let me show you some of my s-reits These reits give dividend 4x/year. So the dividend


This post has been edited by Ramjade: Jun 1 2017, 09:35 PM

Haven't even reach. Right now only 2%. Every single time it reach 2%+ it will reverse gear to 1.6%-1.8%. Tell me how to reach 4% like that.


This post has been edited by Ramjade: Jun 1 2017, 09:43 PM

Switch to manulife reit. Now increasing I am not gonna do that. Don't know how much it can increase further. Better sit tight and hope amasia also increases.

This post has been edited by Ramjade: Jun 1 2017, 09:56 PM

Nope. I intend to buy when market dips. Either way I will dump amasia when it reaches 4% or when it reaches 1 year anniversary (whichever comes first).

Since January. But just got my first payment around May. Miss my payment for January as I bought after ex date. Keep in mind that if you use a fund and invest in reits, you kena with holding taxes vs if you go on your own.

This post has been edited by Ramjade: Jun 2 2017, 11:24 AM