I don't think he is waiting for housemanship. I remember he got mentioned his stpm result in LYN . As I know, not possible to enroll medical course with that kind of result.

Sorry, OT.

Work life balance can come later. Getting ourselves trained in skill and knowledge by working more is necessary because if we are not equip with that, we might be putting risk in our patients ever single day. Though we can improve our time management, it does not mean that we can cut down our working time because the number of patients that seek medical care in government hospital is overflow as well.

During my times talk...
sound old.
Nowsdays Houseman good life, can buy big big ca4, no oncall, tagging also lepak lepak.
not the old time like you both ler. assume u all been disconnected with houseman.

Investment is to make m9ney work, to earn extra income.
Not about greedy, but money won't never enough, unless you never upgrade you lifestyle.

Please la. Bukan doctor ok.

This post has been edited by Ramjade: Aug 7 2017, 10:47 PM

wah, you still want to pretend you are sharing your opinions and ideas, when in actual fact you are sharing stupidity and nonsense.

Your above comment in reply to my long post... looks like english, sounds like english, but it is greek. All are incoherent nonsense.

"Yes. Most likely a quick pullback. But must pounce when there are opportunities. That's why must have ready cash."
So the YTD gains and monthly gains for the last 3 months are what? Are they not buying "opportunities"?

Do you know that a pullback is defined as a drop of about 5% from the peak? So tell me whether it is smart or foolish to wait 6 months for a sharp 1 day drop of 5% to make your purchase, and missed the 6 months gain of 20%.

'In the past 6 months, an UT fund had grown by 20%, this morning today, its benchmark index drops 5%, today is the best time to buy with all your money that you have been saving and keeping for the last 6 months.'

It sounds logic or not? Of course it sounds logic to a jobless graduate who is funded by parents. Easy money - easy come, easy go.

"Can a crash happen? Of course. You just need either china or US to be in trouble. People seems to forget that unit trust is still a basket of stocks."
Why are you saying this in reply to my post? Did I say that the market will never crash? Did you really read and comprehend what I wrote?

"A pullback is nothing. A crash is what one needs to be worried whether the company will retrench or not."
Do you know what happens during a market crash? Don’t la talk like a smartass who has been through a real market crash and thinking that a market crash will affect everyone in the country. Then what the fuck were you going on and on about hold cash?

You are one fucking moron… yes, I am damn annoyed. (Yes, I too can pretend to be angry, just like you pretend to be smart and talking like a know-it-all authoritative figure when you're just a jobless duke fresh out of school.)

Who wouldn’t be annoyed? I took the time to share some opinions and to further the discussion, and here you are replying to my post, trying to counter my input and brushing it aside with a seemingly sounding authoritative voice – "A pullback is nothing. A crash is what one needs to be worried whether the company will retrench or not."

What a moronic, trolling, waste-of-time-and space, useless piece of shitty comment which you had so effortlessly pull out of your arse. Great job! Well done!

come brother ain't worth it. it's too early to be angry over the internet. have a cuppa of coffee, theres so many different personalities here in UT and even stocks and believe me stock guys are worst.

Anyways *punches his shoulder* calm down brother. you have to get used to Ramjade, sometimes the things the say ain't right like the time he calculated compounding interest very very very wrongly in another thread and everyone was aghast that it came from him. lol..

This post has been edited by Avangelice: Aug 8 2017, 09:33 AM

While Ramjade is hoarding cash I'm sure many here including myself are laughing to the bank. My Ponzi 2 and Manu India result are pretty delicious YTD. Maybe his amount is so small and insignificant that he can chill and do nothing cos still depending on parents.

better ramjade than hahacat or contestchris. just saying. no offense brother ramjade.

Very well said. Summarizes Ramjade for what he really is and not what he pretends to be. Unfortunately that fella is very thick skin one and will now share his experience of going through a "crash" in SG REITS

I don't know why today everyone seems to wake up and synchronize the attacks towards Ramjade. Poor Ramjade becomes the serving on the morning breakfast plates for everyone. LOL.

I thought his persistency in dispelling sifu Xuzen's idea of Am Reits over Manulife Reits is commendable.

This post has been edited by puchongite: Aug 8 2017, 09:49 AM

i got no issue with him to be honest. that manulife over am reits is to his credit as well. but everyone has their own opinion so i don't speak for everyone else.

But Ramjade is very persistent and tough. He has not problem handling all these. He won't change his mind.

then great! when it works, all credit to him. when it does not, he has no one to blame.

You have your way, I have mine. Some things to ponder about.
- what will you do if it fall just 5%? Like so many here 1% fall already hoohaa.

You think a crash is pretty? Take 1998/2008.
- You don't think everyone is affected? 1998 companies was closing down left right center. How many people lost their job? How many people committed suicide?
- US market crash, know what happen? US start printing money like crazy. People use that opportunity to flip houses until your normal everyday house which was affordable suddenly became unaffordable. RM200k house nowadays sitting easily at RM500-800k. No effect eh? Price of things shot up.

None. It's ok. As I mentioned, everyone got their own plan. They don't like mine so what?

voyage23, btw I am still vested in case you didn't know. But I am not adding any more.

Go ahead. We see who will laugh to the bank when a crash comes. US (automobiles sales aren't great, US stocks are pricey, interest rate is low, uses of leverage is almost similar to before 2008), China is looking unstable. Let's see how the US or China going to rescue their economy this time around.

I will be prepared. I just need to wait. FOMO, that's real. But I rather have $$$ than FOMO. Know what you want. Do you want a measly 10% return one time or do you want a forever 10%+ dividend p.a/3 digit returns? I know what I want.

Chill la. Just because I am contrarian. People buy, I wait. People said don't hold cash, I hold cash. If you don't learn from the best, there's no point learning at all. The best here are some people who went through crashes and know what they are doing. Keep your troops and fight another day. Take your time.

The problem is that you sounded like holding a lot of cash. Instead of talking in absolute term, which is not fair, could you please tell us the % amount of cash ( in whatever form you defined it ) you are holding in anticipation of major market plunge ?

go through his previous posts when he posted about his portfolio and how much is inside.

How to tell what % of cash? I don't keep track of my cash. Whatever cash I have I just throw inside amanah saham (parking place) if there's nothing to buy. Definitely not 100% like some unker here. I think maybe >50%? I am also

It'a not hard to simulate Ramjade's strategy vs the general strategy.

Take the last average 5 years equity returns = x%

That is what Ramjade returns "must beat" 1 year after a downturn for the strategy to be successful. The return must beat the lost opportunity cost for the past 5 years.

eg:-
Manulife India
5 year return :- 153.47%

TA global Tech
5 year return:- 126.82%

CIMB-PRINCIPAL ASIA PACIFIC DYNAMIC INCOME FUND - MYR
5 year return :- 121.81%

So my guess is for Ramjade strategy to be successful, he needs to generate >130% return in the first year after a recession. 130% is just breakeven.
I expect 180% for the strategy to be considered "better"






This post has been edited by Drian: Aug 8 2017, 10:22 AM

I don't wanna target you man. I am not gonna be an asshole but I am just pointing out that when you advise to keep cash in preparation for a crash, many would think it would be a very liquid entity. then suddenly you say you park in amanah saham.

so now people are questioning your plan.

kejap FSM.
kejap FSM SG
kejap SG reit
kejap ASx
Kejap Forex.

Hence why you being attacked personally because you make no sense and at the same time insist to advise people.

my two cents.

for him, amanah saham = cash