choose right time?....how to know when is the "right" time?

fund is deeply undervalued?...how to know when is "deeply undervalued"?

"The world is greater than the kampung. Why one must limit oneself in the kangkong land...."
Nowadays, there is a wide range of products for consumers to choose from. It is important that you take time to choose something that is suitable for you. Take a look at your goals and investment objective, what investments you already have, what you can afford, and your risk profile.

Buy only what you fully understand – be familiar with the product’s benefits, risks, limitations and costs. Know how much you can lose in the worst case and how this may happen. Think about diversification - will the product complement, supplement or replace what you have? Or will you end up being over-exposed to a particular risk?

bottom line .......Kampung or condo does not matter, as long as it fits ones risk appetite and he/she are comfortable with it given returns for the allocate amount of time and effort one can spent.

"The herd is undoubtedly blinded by greed, couldn't separate the wheat from the chaff".
yes that is very true, .... to be able to that one must have the to wisdom to know and understand if he/she is a wheat or a chaff first.
listening to others without FIRST understand one self is like ....
a herd of buffalos or bison trying to follow a streak of tigers or a pride of lions.
a timid person trying to follow a group of gangsters for a fight
a guys that is happy with a FD rate returns for years trying to follow a person that do forex trading all his life.

bottom line .......it is their money after all, who are we to judge them for what they do.....they earn more or did not earn more with what they are doing does not matter to us in the end.

judge not lest ye be judged

just add up the cumulative interest earned at 3%pa then add up to see if the sum is more than stated in the LSI?
That charts shows a different of Rm 30k....can the FD interest gives RM 30k?
With the monthly moving of money away from FD.....i agar agar calculate that the interest gained can achieve less than RM10k

This post has been edited by MUM: Nov 18 2017, 01:11 AM

so that article is not misleading then?....
If i am not wrong...that article had been in the public domain for many many years already....and if it can be so easily found to be misleading then i think that author would hv corrected it.

I think t231h posted that to said that what you had said abt lsi lose money......is not 100% correct


This post has been edited by MUM: Nov 18 2017, 01:59 AM

That chart did shows lsi out performed dca wor.
i guess that is why he said ...not 100% correct

btw, you mentioned something like
"The best way to invest in UT is dollar cost  averaging........Most ppl loss money in UT because they invest in one lump sum."
.........what does it imply?

This post has been edited by MUM: Nov 18 2017, 09:01 AM

This post has been edited by MUM: Nov 18 2017, 12:32 PM

ok...point noted...

after you had bought and held.....no change to the funds held even if it is bad for a long period of time?
cos if you do, then it will also sort of doing the timing thing....