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

Calm down mate. I'm still learning

Should be similar to GIA-i right?
GIA-i also not capital protected

Me too,

Paper profit dropped 33%, and affin quantum fund profit is 0.6%

lol ASNx. it's not easy to procure those units now is it. it's not like any time you suka suka buy and on top of that I don't have the time and day to see ada chance.

If a person works too hard while young with all the stress and what not, then he might die faster or ends up with many preventable lifestyle diseases. This is because they are sacrificing a lot of things (e.g. relationship, heath etc.) in order to achieve their dreams in the shortest time possible. So even if one can retire at 40 with a few million ringgit, that is not very smart at all. Most of the money earned would be spent on medication and treatment. This is not a good way to enjoy retirement. Some might even be forced to retire due to their medical conditions, not because they have earned enough. While others might be forced out of retirement when they run out of money. This is even sadder.

It is not true that the longer you work, the more stress you have. It depends on the job & individual itself. Working until 50 to 60 years old is not such a bad thing after all if one is healthy & enjoys what he is doing. If a person is healthy, then no need to go seek medical treatment in SG in the first place. There is more to life than just making money.

The above is a very good illustration of "OPPORTUNITY COST"

Xuzen

P/s I wonder if TS can add this post unto page 1 for ease of reference?

Been lurking a long time here. Pretty interesting when you guys catch and pitch with each other.

Finally took the plunge and signed up for a FSM account, mainly for the reason of PRS but once I've accumulated RM 10K will jump into the managed portfolio (most likely the aggressive portfolio) and get my bearings of all the terminologies.

Now the painful wait for the identity verification to go through.

Appreciate all the (past) insights from all forum members and look forward to eventually catching and pitching with you guys as well. First step into the UT world

Btw any forum members attending the "How to Construct a Winning Portfolio?" workshop during the weekend? I'll likely be there.

A friend of mine feels there will be an obvious bias into the instruments they vouch for, since they only do UTs lol.

Any thoughts?

sad to heard that. nvm, I'm keep learning here. Anyway thanks bro.

Gut feeling says that soon FSM would publish an article on the woes of customer service in Malaysia.

Selling Off TA GTF
Buying In CIMB Greater China
Buying In KAF Vision Fund
-----------------------------
Current Portfolio Consists of
CIMB Greater China
CIMB Global Titan
CIMB Asia Pacific Dynamic Income Fund
KGF
East spring Investments Equity Income Fund
KAF Vision Fund
AHSBF
CIMB China-India-Indonesia

I'm tempted to just dump all my money to them to manage. dont have the energy and heart to do it anymore.

Is bond fund risky? With rise of us interest rate gradual pace?

is it a holiday in west malaysia today?

sometimes I wonder if you guys have forgotten the basic principles of unit trust investment. just keep to your allocation and leave the investing to fund managers. I periodically come in this thread and most of the time I fell like I'm visiting a chicken coop. loads of noise for a minor trigger. my two cents.

Anyways every market is being corrected at the end of the year, this is healthy for everyone involved and most stock traders are locking in their profits for the year end hence the correction.

Stop panicking and enjoy life instead of acting like crazed aunties in the pasar

Wanna ask you guys, normally when dividend is given out you guys choose to reinvest or take it out? Does FSM allow you to have an option of the dividend?

What's irrelevant?

So ultimately you'll only crop it when you sell it?