Nice. I didn't even bother about this. All I bother is
1) I sell, I can get back my money
2) how fast I can get back my money
3) stuff which give me the highest interest

If you want to boost it, can try parking money in amanah saham fixed price fund. Min 6%p.a. To buy and sell is a hassle.

Yup. Received my payment. I noticed they have been paying on the 1st of every month.
It's available on https://www.eunittrust.com.my/
Scroll down and you can see how much is the rate for the month.

Another place you can check is fund factsheet of the fund.
https://www.eunittrust.com.my/Home/FundDetail/?fcode=001100

This post has been edited by Ramjade: Aug 1 2018, 10:43 PM

Here you go. Interest changes more or less every month but they have been more than Egia since Egia drop to below 3.5.

Check the fund fact sheet. Yes take slightly longer time. Keep in mind each transaction better be in RM500 (have to read the TnC again). For me doesn't really matter as well my transaction with them memang >RM500.

No one is going to give you 3.xx/day. Is 3.xx/year.

More info can be found in this thread. I wrote a short summary at this link.
https://forum.lowyat.net/index.php?showtopi...post&p=89986305

Just reply to this thread.

This post has been edited by Ramjade: Aug 19 2018, 09:28 AM

Never tried. So can't tell you the answer

For SG part, best would be ParkwayLife Reit if you can get it at 2.5x.
Second would be Citibank maxi gain. Need SGD15k to open.
More info
https://theboywhoprocrastinates.blogspot.co...-for-2018.html/
https://heartlandboy.com/citi-maxigain-savings-account/
Third DBS multiplier
Fourth SSB (not sure if we can buy)
Fifth Cimb fast saver.

At current price now worth going in.

I believe you can fill in SG address with post code.
Just wait la. No one replies so early. Wait few 1-2 days.

This post has been edited by Ramjade: Aug 20 2018, 04:27 PM

As long as the bank is part of FPX network, you can use FPX to pay. But of course because you are not using maybank, then need to wait longer for your money.

If you want to use lots of service in Malaysia, best to open a maybnak account. Both ocbc and UOB are the same. Limited branches and atm. Just close one of them and get maybank account.

Keep in mind that dividend in UT means nothing as is exit left pocket, enter right pocket. By receiving dividends, the value of the fund does not change.

Won't appear so fast. Wait a while.

Yesterday raya la. Cut off time is morning 1030am for Phillip money market fund which means your money must reach them before 1030am. So only process today since you bought in the afternoon.

This post has been edited by Ramjade: Aug 23 2018, 10:43 PM

Forget Egia. Old news. Is totally useless nowadays.

For money market will forever be free. eUT freq does free service charge promo.

No service charge. Money market fund is unit trust which invest in mainly FDs

No need. Those are for other UT than money market fund. Of course for money market, better to make sure your transaction is min RM500.

Bro interest paid once a month on the beginning of the month. Withdraw your maybank account.

Interest won't be paid to bank account It will be paid into your Phillip money market fund.

Reinvest back into Phillip MMF

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

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

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

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

Not necessarily. Since I invest primarily in SG, my I started with SGD12k only. Allow me to buy 3 reits only. But 3 is more than enough as they are already giving me >6%p.a dividend. You don't need to be HNWI but as you are starting with small amount, cost is very important.

SG UT also same like Malaysia. Starting only cost SGD1k. Subsequent purchase is SGD1000 or SGD500. Only differences is it is SGD and not RM.

With active work + dividend investing, you have more money to pump back in. Eventually your dividends will enable you to buy a counter on it's own. No discount just wait for price to drop. There's no hurry.

My amanah saham is my last resort watchest. Should 2008 happen again, that will be unlocked. For now, I am not touching it.

This post has been edited by Ramjade: Sep 10 2018, 01:00 PM