^ First blood, Double kill, Triple kill

Mobile Legend: Bang bang LOL!

Must be very jialat that why you need emphasize 3 times in 3 posts. Haha

No lar....

bad internet connection. Putus - putus.

That is why ter"klik" tiga kali. Posted 3 times in a row.

Xuzen

Bring back karts post to here for further disfussion.

So kart, are you in this Islamic type? Same daily interest calculated and given if earlier uplift?

How does PMMMF derive its invested capital? Isn't it what I invest in and take out excluding the divdend payouts? In the system the invested capital is higher than my calculated invested capital. I found this strange as my unrealised profit should have been the equivalent to the dividend payouts I have received?

PMMMF is now at 3.7%p.a!!!!

most of my funds are in red. ranging from -2% to -10%.

I plan to cut loss afew to invest into a business.

is that a wise idea? rather than take up another personal loan to start the business.

my only fund in green is TA global tech

My opinion, I think you should, personal loans are not worth it, better not to use borrowed money to start a business, unless it's something like ASB loan with a higher (guaranteed, sort of) return then yes.

tq bro ...

Know why is the market red. That's why is all about timing. I am still in the green. Right now is a good time to buy if you want. Want to wait for it to drop further to buy also good idea. This is a global event as money is flowing out from countries into US as US is seen as attractive and safe now. Don't understand. Let me give you an eg. FD in Malaysia offering say 2.5% vs 2% in US? Which will you put in? Majority will put in US.

Buying when market is in the green is a very foolish thing to do. Is what majority of retail investors will do. That's why majority of the people loss money when come to investing

If you cannot tahan losses best to look at safe thing like FD, Amanah saham fixed price and EPF. Stocks/unit trust will not be suitable for you.

How sure are your business profit > loan interest? What happen if business rugi? Cut loss and continue paying loan?

This post has been edited by Ramjade: Sep 10 2018, 12:13 PM

Thanks Ramjade for the advice.

Will think further on starting my business with partners.

You are right, seem like a quite foolish choice to start business with a personal loan.

Money market fund? Is it similar to fund supermart where it is a place to park your money?

Of course sometimes cutting loss is good as you can buy cheaper. That's if it drop more.

Yes even better.
1) higher returns
2) same day liquidity if you use maybank and withdraw before cut off time compare to FSM where need to wait like for 1 day.
If you use FSM MMF, you withdraw after cut off time, need to wait 2 days for money to come in

Hey Ramjade, you dont invest in anything local? REITS, Unit Trusts, Shares?

Repost

This post has been edited by SwarmTroll: Sep 10 2018, 12:30 PM

Repost

This post has been edited by SwarmTroll: Sep 10 2018, 12:30 PM

Why? Simple. Do you believe in the power of the RM?

Tell why should I invest in Malaysian REITs giving me mere 5% dividend when amanah saham fixed price is giving me risk free min 6%.

If you don't want to talk about amanah saham, let's compare Malaysian reit vs Singapore reits or Hong Kong reits. I can get higher dividends when I invest in those market, so why should I pick Malaysian REITs which is giving me mere 5% and below?

Why I don't invest unit trust in Malaysia? Why should I invest in Malaysian unit trust and pay service charge of 1.5%-1.75% (depending on which platform you are using) when I can buy unit trust for free any time I want? Besides that, I can get same % of returns overseas or more vs I invest via unit trust from malaysia. So again why should I pay extra charges? Let's not mention selection of fund overseas is more diverse + better quality vs what's offer by FSM MY and eUT MT

So tell me again why should I bother with Malaysian investment when overseas stuff can make my money work harder?

To add icing to the cake, with fintech help, I am able send money overseas via money changer rates. Saving more money vs compare to using local banks.

This post has been edited by Ramjade: Sep 10 2018, 12:43 PM

I have just started investing not too long ago and have been putting my capital mostly in amanah saham and PMMMF (parking here instead of savings account). Was thinking to diversify and try out other things soon, ETFs, REITS, etc.

I would need a large or sizable capital to start a foreign investment no?