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.

Personally I  feel changing % allocation in asset class is better than keeping it in cash.

In booming period 90% equities 10% bond/FI.
at 10 year period 70% equities 30% bond/FI.
-5% of equity portion for every year a crash has not happen after 10 years.

Come come. I clear your mind
Amanah saham - parking place. Anytime I want to liquidate, I can get back my money. No need few days. Even if I sell all, they will give me back all my money
FSM - going to liquidate everything.
FSM SG - never even have account with them
Phillip SG - transfer from FSM MY > Phillip SG (hence my portfolio will be all SG UT)
S-reits + S counters - slowly building my holdings. This is my main engine to generate free SGD (I can use the dividend given to buy more shares or throw it into Phillip SG)
Forex - never

Clear?
If -5% for every year that's there's no crash, shouldn't
at 10 year period, you will be holding 40% equities/60% bond?

Personally I  feel changing % allocation in asset class is better than keeping it in cash.

In booming period 90% equities 10% bond/FI.
at 10 year period 70% equities 30% bond/FI.
-5% of equity portion for every year a crash has not happen after 10 years.

Come come. I clear your mind
Amanah saham - parking place. Anytime I want to liquidate, I can get back my money. No need few days. Even if I sell all, they will give me back all my money
FSM - going to liquidate everything.
FSM SG - never even have account with them
Phillip SG - transfer from FSM MY > Phillip SG (hence my portfolio will be all SG UT)
S-reits + S counters - slowly building my holdings. This is my main engine to generate free SGD (I can use the dividend given to buy more shares or throw it into Phillip SG)
Forex - never

Clear?
If -5% for every year that's there's no crash, shouldn't
at 10 year period, you will be holding 40% equities/60% bond?

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.

Maybe it's time you guys push for a more healthy work culture.
I am a graduate architect, long working hours is like a norm in my line of work, even in uni...I was like that too. Sometimes didn't sleep for 2-3 days in a row.
My first job I used to work in a practice that has long hours, especially when we have to meet tight deadlines.
And unlike most jobs other jobs, almost all architecture practices I know of do not compensate pay for overtime.
Sometimes I also haven't seen sun for a week or so.
I can't find time to rest and live a normal healthy life, much less the time needed to study for my professional exam.
But realising this is actually a very bad habit and bad work culture. It wears you out and not helping with the work performance either.
After all it is time management issue, and people seemed to be getting nuts for working prolonged hours, and you are more actually less productive and more prone to be making errors. In the practice of architecture, errors are mostly reversible, perhaps not so much if it is a surgical practice.
Then I changed job, have a normal hours...work outcome is better, people also happier.
This is also partly attributed to the world-wide industry reform trying to eradicate the long hours culture in architecture. I believe the same should be done for medical profession too.
So, get the time management right and it will sort itself out.
New generations just don't hold grudges thinking "during my housemanship I endured this 48-hours shift thrice a week, and you newbies should suffer the same" mentality. Push for a better change.

Don't later end up money in the bank, but people in heaven (a chinese saying)
and time is also something you cannot buy with money

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.

In the first place are bonds able to survive a crash ?

In the first place are bonds able to survive a crash ?

hehehe SG to myr bukan forex kah brother? anyways no harm no joke. as xuzen say we all here to talk kok

Nope. Why? Because long term RM will go down. Not to talk bad, but it's sad fact  Short term yes can consider main forex.

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

this noon is 1mdb payment due date. if they don't make it we are all fucked. you and me and everyone else. Bursa is going into the red as we are talking here. Bye bye myr.

errr guys, so if we placed money in CMF wont be affected much right? same as FD ?

https://www.bloomberg.com/news/articles/201...billion-in-cash

Is this what Ramjade is talking about?

Affected by what?

Affected by what?

market crash

he is asking how safe is CMF in the face of turbulence.

I would say it's as safe as savings account. if both are gone you will be sure that's a economic collapse there. that's the least of your problems.