But does it make sense to buy at the peak or near the peak?

True.


Er, when words like record high, higher than history, same height as previous peak, should be clues right? We cannot know when is peak but we can know when is near peak and prepare for it.

True. IMO a drop won't happen if everyone is preparing for it. Only when everyone is in the mood of FOMO, then drop will happen.

This is my answer.
1. Got difference. The more money you put in, the higher the loss/profit. Eg. Put in RM10k vs RM1k, if both drop by 10%, for RM10k, you lose RM1k. For RM1k, that's RM100. How to diversify? You can allocate more to section you think will perform better (kind of like betting)/fix your allocation. Know what and how much you want to put in first. If you really blur, you can try this blogger's allocation.
Turtle Investor Asset Allocation. You can modify it to your liking or just copy it. He's using ETF.

2. Bull run already 8 years old. Do you feel lucky to do lump sum? You can set up the RSP or you can do your own DCA (manually). How much to divide your RSP depend on your comfort level. That one only you can answer yourself.

3. Of course you need to worry about drop. Why? What happen if you need the money during bad times? Do you liquidate? If yes, you are already taking a loss. Now, say if you can liquidate whenever you like, you can seat tight and pump in more and reap the benefits of bull run and pocket your profits.

4. Perhaps he found better place? Sometimes it's good to cut loss and hop on to something which is making money. So that you don't waste time waiting for it to rebound. That you better wait for his reply. Yes. You only earn 0.3

5. Correction. RHB CMF give only about 3.3% with 1 day lag time when you decide to withdraw. Never 3.5%. Phillip money market is 3.5% with zero lag day (if you use maybank). Got. Amanah saham fixed price fund. 6%, instant withdrawal on the spot. Need to go bank/asnb branch. I am using this insteaf of using CMF.

Hope this helps.

This post has been edited by Ramjade: Oct 11 2017, 01:33 PM

Lower than banks/agents> FSM MY
Lower than FSM MY> POEMS SG/Dollardex (0% service charge, 0% platform fees).

Define your definiton of safe. If you really want safe (cannot lose money), your best best is
1) Promo FD
2) Amanah saham fixed price fund
3) EPF

This is because most of them treat ASB as a SA. Masuk keluar sesuka hati. Like that, how money going to grow (since asnb calculate how much dividend you are entitle based on lowest amount of the month)

My guess is asb performance hace drop below 7% (most recent result)

Actually can see. How? Look at the index for each market. A fund is suppose to beat the index. Now if index down, takkan fund also not down?

I don't think so. Remember a few weeks ago, there's a systemic selldown in asia, US? All index drop. Same with all funds. Nothing was spared.

This post has been edited by Ramjade: Oct 17 2017, 02:13 PM

I can't give you an honest answer if you put such settings.

Just sell. Move on. Have no regrets.

Q7. There are some answers I would like to put 7 or 1 (multiple times). But because you set such restriction in place, I end up just "X" the page without submitting anything.

Either you adjust it or you won't have your data

This post has been edited by Ramjade: Oct 18 2017, 10:47 AM

I want to give my honest answer. Some of them don't warrant a 3, 4 but because of the restriction, one is force to choose that.

Ranking could mean from 1-7, how would you rank them individually instead of in a group. Your understanding is rank all in a group. For me, my understanding is rank them individually.

So some stuff I would like to rank only 1 (few of them) but because of the restriction, I had to rank them at 3-5. Now how honest is such answer? A survey is based on honestly. If one cannot give his or her honest answer, the survey is flawed.

Is not about arrogant. Is about giving an honest answer.

Precisely. Make it free for life then we are talking.
Nope. I already liquidate my FSM port and move them over to Phillip SG already. No interest in earning RM from my investments. Now my UT in SG are earning me SGD.

This are what I will be using them for.
Phillip MY - to buy affin hwang select bond fund (parking place/SA)
FSM MY - to buy PRS/use EPF to buy (if they don't go the way of FSM SG)
Phillip SG - my main UT engine

This post has been edited by Ramjade: Oct 20 2017, 09:33 AM

You cannot buy anymore. You can only sell.

This is not amanah saham. Close means close. Cannot buy even if someone sold RM1m worth of units.

Come I pour cold water
- ETF

Don't restrict yourself to bursa only. There's so many instrument to get access to ETF.

Brokers
- 8 securities
- Charles schwab

Robo advior
- Stash away
- Autowealth

Correction. I don't use FSM SG. I use POEMS SG. ETF future. Not now.

Of course. You can apply everything online without the need to have a SG bank account or step into SG. If you are willing to pay 0.1% platform fees per QUARTER to FSM SG. I am not. Hence I went for POEMS SG (their competitor with 0% service charge, 0% platform fees, 0% switching fee).

Note FSM SG managed portfolio is way cheaper than Malaysia as it only cost you 0.5%/year when you compare to FSM MY managed portfolio.