I have sold interpac.

did my first interpac purchase last week and its -2.4% today. finally try to utilize that cool off to save few hundred bucks. any one know if i can buy it again any soon?

when greed overcomes all control. sickness of the human mind to get the most profits at the least possible effort. gone were the days where we practiced risk profiling and diversification.

Yar! Especially folks tend to confuse investing with trading.

Xuzen

Haha people are not confused. People intentionally want to perform trading. They know trading is different from investing.

And using UTF as the platform for trading? Not efficient, not efficient at all....

It is like an algo trader trying to trade on index linked counter. Where got syiok wan?

Xuzen

Return efficiency is not the only thing which needs to be considered.

For argument sake, let's say people think they have the knowhow to know when to enter and when to leave a UTF. Not the most efficient vehicle, but gives good return. Cannot meh ?

Then people start to argue, why don't apply it to stock market and get bigger return ?

For argument sake, let's say the skillset only works for UTF. Stock market is too big a sea for the skillset to work. Can or not ?
I don't understand the highlighted part. People's objective is to trade, of course he will go in and out of the market lar.

You may call it speculate, but why can't it be called making moves based on 'informed decision' ?

Preliminary Algozen™ ver four reading for Aug 2017 period:

1) IDS is rejected in favour of KGF. Most likely explanation is Algozen™ ver four algorithm is program for risk reduction.

2) Selina reits    is selected in lieu of Manureits. Reason is probably the same as point (1). Also, the fact that Manureits has 52% concentrated in one single country makes the concentration risk unacceptable.

3) In lieu of RHB Total and Emerging market bond, she now chooses RHB Income fund.

4) The usual favourites: Ta - GTF, India, Esther bond      all make the cut as expected.

5) China specific fund still does not make the cut.

To recap, this session of consulting  Algozen™ ver four was to answer is Safi good as part of a portfolio? Is Manureits better than Selina reits? Does china specific fund has a place in a portfolio?

This round, Algozen™ ver four gave a very clear indication that the sweetest spot aka the best risk to return point is at the 14% per annum level.

Xuzen

Never had her but just curious.

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Other side topic, to those who are investing in managed portfolio, you can now topup now with a minimum of RM1000 per topup 

11 months , last year sept 0.64% promotion if you guys can still remember, top up again during the dip in june.

i think india and ta global tech is already  >20% without the top up.

Then KGF, affin hwang bond also in june. As you know KGF has been flat for quite some time already.

It is the same bro, it counts by percentage 

Lump sum of 10k for 1% vs multiple of 1k for 1% are the same 

U been commented a lot. but rhe basic of UT still not understand?
still paper investment ah?
I learn basic of UT at FSM website. Learn more on strategy or planning in this threat.

Great that u know what u need to do, and counted and planned everything in advance. But, I hope that u execute what u have planned asap.
The first step is go find a decent job instead of pay too much attention on ur investment.

Some points for u,
1. Saving is good, but u need to have consistent income at the first place. Else wise, what to save? Save the leftover of ur expenses?
2. Investment is good, return n dividend is good. But with a capital of <100K and dividend yield 7%, the profit is only RM7K per year. Can u survive with 7K per year?

That's y, for a young person like u, get a good work, and accumulating ur wealth is more important than look at/time market everyday.

my 2 cents only...

lol well if a doctor, then no need to squeeze every penny lah. you may not be rich, but will be comfortable.

BTW what happened to HahaCat?

Open new account. every post is within one tread. Talk kok sing song about Interpac. Then Interpac drop and maintain price. he pull out and disappear.

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.