Not in malaysia. Already check.

You want health exposure, no choice but to invest in stocks. IHH is pure play health, Sunway got exposure to healthcare.

This post has been edited by Ramjade: Jun 2 2017, 01:24 PM

A fund won't maintain the NAV. NAV will keep going up and down depending on the market provided there's no distribution/dividend/unit split If there's a distribution/dividend/unit split, you will x% amount of units and NAV of the fund will also drop by x%

Read again. When a fund increase unit by x times, the NAV of the fund also drop by x times.

Of course I own UT. That's why I am talking to you

All distribution will be reinvested back into the fund (as I said earlier give you x% distribution, price drop by x% = no change). Unless you yourselg go itchy hand withdraw it. If you take a look at Manulife India, you will see that there's no distribution involve. So what you see is what you get.

This post has been edited by Ramjade: Jun 8 2017, 10:00 AM

Don't worry. Now only. Celebrate/exchange while you can. Long term wise RM sure drop.
Do you think RM can go back to 3.8 vs the USD or 2.x vs the SGD?
Org mesti "cari makan" what.

This post has been edited by Ramjade: Jun 8 2017, 04:32 PM

Well you have your views, I have mine. Of course they can. If you understand SG economics you know that for them a strong SGD is good. It let them import items at cheap price, assemble it/modify it then sell off at cheap price. A strong currency helps to lower inflation and it's helpful in a country which impirt everything.

Heck, malaysia is selling them water at cheap price and buying back from them at expensive price. Let's not forget that SG is known as Switzerland of the East. In the recent crackdown by indon govt to bring money back home, only 10% of it was bought back. 70% of it is in SG (declared but not bought back). Rich indons are smart. There's a reason for that. Tax haven (low tax for the rich) + low income tax strict banking laws. That's why the rich comes to SG and park their money there. eg. Jet Li, Eduardo Saverin (one of FB founder),

When you have one of the most free, safest and stable place to do business (the other being HK), it's a magnet for investment. If you been to JB you will know. It's very unsafe place. Just across the Causeway, you feel the difference. You actually fear getting rob.

SG doesn't need to rely on local population. They rely on foreign talent (especially from malaysia). 50%+ of people in SG are foreigners. And these are not your normal run of the mill bangla, indon, nepal. TB is practically non existence in SG. Unlike us, TB used to be almost wipe out. Thanks to influx of indon, bangla, nepalese, TB is back and kicking in malaysia. These are all highly skill people. That's why some people said as a foreigner, you are treated better than local Singaporeans. We take in more unskilled workers while they take in more skilled workers (including ours).

True they have no land, but they are always building more land. Their development unit planned everything and don't just simply built things.

Let's not forget their national budget. Unlike us, we always ask for extra in January. They on the other hand always have extra Singapore govt is one of the richest country with a AAA raring by all 3 rating agency. On the contary, US did one even get AAA.
That's why unlike most country which depend on interest rate to control the economy, SG uses appreciation against a basket of trading partner currency. (SGD must appreciate against their trading parther over time)

This is 2015 news but still relevant aa MAS is expected to resume this policy again later this year.

The key word here is they are rich, so they are able to use this policy.

Richest man in forbes for what, at the end, bring all his wealth to other country (eg. robert kouk)

aoisky as I have said many times, history don't lie.

Two good things about being a Malaysian:
1) no taxes on foreign income. So invest overseas (don't limit ourself to SG) and earn foreign currency and spend in malaysia as long term wise, RM will slide.
2) no death tax

This post has been edited by Ramjade: Jun 9 2017, 09:59 AM

1) Can 1 change even if replacement happen. Who knows in the future, there toemdeebee
2) This one keep increasing every year.

Avengelice aoisky, your sifu have spoken

Lai lai, sifu xuzen, kasi you



This post has been edited by Ramjade: Jun 9 2017, 11:29 AM

Heck even official inflation also 5.1% in March. Better wish price of oil don't jump back to USD100. (it can't jump back anymore because of shale oil)

Ya lo. Go shopping and see how much you need to pay for groceries. Even SG newspaper publish about how bad is our cost of living.
http://www.straitstimes.com/asia/se-asia/m...slowing-economy

Ini kasi tips to SGrean jangan complain. Things still better over their island.

This post has been edited by Ramjade: Jun 9 2017, 04:49 PM

Pick either one
https://www.fundsupermart.com.my/main/fundi...ass-C-MYCPPRS5C
https://www.fundsupermart.com.my/main/fundi...h-Fund-MYK1PRSG

You better go public bank/public mutual, tell them you want to make withdrawal.

<5% drop, nothing to see. Give me min 10% baby

This post has been edited by Ramjade: Jun 12 2017, 10:27 PM

Agent fees, marketing, fund house need to make money also and you being retail investor. FSM is considered institutional so they can buy big amount one time. Big amount usually give you good discount lo.

Cause they are the first? Also, last time, public mutual was performing. After that don't know why not performing. Some people prefer to see their agent, see building. They don't trust online.

Depends on what time did you do you your transaction. If before 3pm, you will get today's price. If it's after 3pm, you will get tomorrow price.

That's normal. Takes about 4 days to finally showed up.

I am afraid I am too late. Tech stocks have risen back. I think it drop ~5-6% only.

This post has been edited by Ramjade: Jun 14 2017, 07:53 AM

That's true. When a fund is non syariah, it can invest in both. If syariah. it's only restricted to syariah which means less choices.

What this means if say Apple at 5% is bump up to 10% on the index, more people will scramble to add apple (think ETF investors + normal retail investor). This will cause apple price to increase (more buyers). Which will lead to increase in NAV for TA global tech.

This post has been edited by Ramjade: Jun 17 2017, 12:11 AM

Amanah saham

Yes there are so many combinations.

Step 1
Determine your risk level (there's a questionnaire by FSM)
https://www.fundsupermart.com.my/main/riskP...kProfiling.svdo

Step 2
After getting your risk level, determine how many % of equities and how many % Fixed income (FI)matches your risk profile (FSM will give you a guide). It's just a guide. Up to you want to follow or not

Step 3
Read the fundfactsheet and see where the fund invest. Compare it with it's peer (same region fund). Divide your % of equities to what % fund to buy. You can choose between choosing a balance fund/pure equity.

Step 4
Same with step 3 but for FI (you can go for bonds. I go for reits fund. Although reits is counted as equities, but it's consider pseudo bond as reit manager can increase rental to overcome increase in interest rate while bond is fixed.)

Step 5
Stick to max 6-7 funds. That's more than enough.

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Alternatively, you can go with Turtle Investor 4 fund combination. (I prefer 5 funds) This blogger invest in ETF which we malaysians don't have access to.
http://www.turtleinvestor.net/asset-allocation/
30% global can be replace with 15% US/Developed countries/tech, 15% Asia pacific
30% in Singpaore STI can be replace with 30% Nikko SG Div/15% Nikko SG, 15% Kenanga Growth Fund (this allocation is for home field advantage)
30% bond etf can be replaced with bond fund
10% reits can be replaced with reits fund.

There you go 4-5 funds combination.

Of course, if you want more boost/oomph (return), add in india/china at a cost of higher volatility

This post has been edited by Ramjade: Jun 19 2017, 12:22 PM

You can use this to screen for funds
https://www.fundsupermart.com.my/main/fundi...fundSelect.svdo