RM40/RM3000 = 1.33% only. One time "rebate". I will skip. Thank you. RHB PRS also not nice... My condition for PRS buying:
1) good fund which can perform
2) for tax relief

If cannot fulfill condition 1, I won't even bother to look.

Alright

jdgobio I don't believed in hiding in cash/bond during bad time. If bad time, the discount is not nice for me, I won't buy.

Everyone have different strategy. Yours is hide in cash/bond. Mine is take look. If not enough blood, I hold my off my purchases until more blood is seen.

After reading many blogs with the blogger's own proof, I came to the conclusion. one need to be brave to take look at when blood are on the street. By taking action during such time, one will be rewarded by
1) juicy dividend
2) possible triple digit returns.

No choice if one wants the 2 stuff.

This post has been edited by Ramjade: Jul 20 2017, 11:25 PM

Two questions A fund could be could be holding say 50 stocks at a time.
Q1 How do you know what stocks are the fund manager holding? Usually only top 5-10 stocks holdings are shown. The rest are not shown. I am sure fund manager will never let outsiders know what stocks they are holding (like a trade secret)

Q2 Stocks holding changes on a daily basis. How do you keep track of it then?

I will share with you. S-reits sell down in Nov to dec. When I invest?
- Manulife AP reits in Nov. Right when sell down was bad. Lump sum. Plus topup amasia (which was lousy as amasia never performed). I didn't have my brokerage yet.
- Real S-reits in January when I got my brokerage account.
- It lasted for 1-2 months. Start to see real reversal in Feb.
- Investment is S-reits at that time is one of my best decision. Some of my reits are giving high 7%+ and high 8%+.
- Trigger: Donald Trump

Singtel
- Few months back. Major selldown also.
- Lasted I think 3 months of sell down. I only bought in the 2nd-3rd months onwards.I didn't average down further as drop was only ~4%. Before I bought, drop was quite significant. Before drop: 4.36. I bought at 10%+ discount to high price.
- Trigger: Competition in AU and SG.

Only foolish people keep cash under pillow. Find a high interest account 3%+ to keep your cash.

If SG. no choice, invest in bond fund giving 2-3% or 1% bank account. SG bank accounts are not nice.

Going forward, keep cash in amanah saham. Instant liquidity, 6% p.a while waiting for SGD to drop/blood to appear.

That's why I waiting for bad times. I haven't been doing any more buying these few months.

If you are scared, follow this strategy. This one unker's strategy. Not mine.No need to read annual report, no need to go for agm, no need to analyse.
- Wait for very very bloody scene.
- Buy bluechips supported by govt
- Sit back and enjoy life.
- Enjoy 6-10% dividend from the bluechip

This unker have over SGD1m and that was what he did and he hold only 3 counters. He have been holding them for over 20+ years. Retired unker. I like his strategy. Very little stress, very little work to do. I am partially incorpating his strategy together with ASSI.

You have your own way, I have mine. As long as you are happy and comfortable with your own way, there's no need to follow people.

This post has been edited by Ramjade: Jul 21 2017, 02:33 PM

Come come. Default. Let me buy something. Hand sudah itchy.

I sell loh. No regrets.

Sell all of selina fund.

Of course.
FSTE ST Real Estate Investment Trust (old version)
SGX S-REIT Index (new version created by SGX)

Want S-reit ETF also ada
Phillip SGX APAC Dividend Leaders REIT ETF (australia heavy)
Nikko AM-Straits Trading Asia ex Japan REIT ETF (singapore heavy)

I am not vested in either ETFs as they are both lousy

This post has been edited by Ramjade: Jul 24 2017, 11:15 AM

Er who knows? I never look as I am not interest in those index.

I have said many times, reit is > bonds. With interest rate going up, bond coupons are fixed. Reits dividends are not.

I think it exist on FSM SG. Volatility and returnd wise, United still beat those HY bonds funds (according to historical data).

This post has been edited by Ramjade: Jul 24 2017, 08:59 PM

Eastspring have some HY bond funds available in SG. There's asian, US I think.

Of course.

But you can switch

That's why must know what PRS you want to buy. So no switching switching business

30% focus in Malaysia. What do you expect. If KGF also stall, Affin Hwang Select Quantum should also stall as basically how malaysia bursa perform, that's how the both that fund will perform.

All funds basically you need to put in min then only can start RSP. Once RSP is started, you can stop it anytime. For me I never use RSP so I cannot tell you to start or stop it. I topup when I like.

Ok thanks. My mistake.

If you are a bumi, no need for affin hwang select bond fund.
If you are a non bumi, can consider it as replacement for ASW2020, ASM, AS1M if you cannot get these 3 funds. But all these 3 funds guaranteed can get once a year.

Your choice. I keep my ASNB over affin hwang because of it's instant liquidity.

This post has been edited by Ramjade: Jul 27 2017, 09:16 PM