Unker most senang today, Pto. So, Unker share my 2 cents while Sis & Elder likely join later.

Start with some alignment in boundary assumptions....
1. Asx funds to consistently outperform  bank fd promotions.
2. You are Malaysia Chinese. Not bumi status.
3. Current purchasing period is closer to May 2019 conditions, rather than Apr. (don't have objective data, but during Apr month, ASM was frozen. Only ASM3 abundantly avail. While in May, feels like ASM1 easier to buy)

Then, the unavoidable reality,.... Availability of funds cannot be ignored.

Chinese simply grab what's avail for sale!!! That's one of the reason newbies want-in to wa and/telegram group. To know which pond has most fish. However, the recent chat btw Skty n Elder Believe, about human nature n self-serving instinct, sums it well.

Can still balance your portfolio, but Unker thinks, over much longer periods, if asnb continues to selectively open a particular FP fund.

It is counter productive to hold on to your money n not invest.... Say, you want asm3, but cannot buy. Yet a lot of asm1, 2 for sale.

Lastly, pls refer  asnb FAQ for Transfer vs Switching requirements.

Thank you unker!
So the tldr version is just invest in any fund I like as long as fund avaiable. Correct?

Bumpy ride for KLCI.

IF following q3q42019 can push to 1800 pts. Next year q1 push further 1850.
Asm no problem 6.5%

Dr jomo ask 1malaysians to brace for hard times ahead la

Dr jomo ask 1malaysians to brace for hard times ahead la

Dr jomo ask 1malaysians to brace for hard times ahead la

Heard that many many times.

Council of elder can't do anything also. 

Let's hope the best.

Can't do without risk of losing votes.

unker, how much ASM1 you managed to sapu today

Hello Elder,
Unker was only fishing short while in morning, after back from lunch, Unker was marathon watching :
Elementary S7 E4.
Designated Survivor S3, E2 till E7.

Dinner was sliced fragrant pear, grapes n mangoes... Served on a platter. Auntie over-pampers me.

Long answer, bottomline, $0. Hahaha.

Can't do without risk of losing votes. Besides, it's our culture. Like Greece also has its own culture.

So what I'm saying is, I don't think KLSE going up. Add 50-100 points still possible. ASM x higher dividend requires higher dividend from invested stocks or big fluctuations in KLSE to sell high buy low. Last I read yesterday, more property foreclosures, so banks and property stocks also affected.

Agrees with what's shared among Elders.

Tendency for dark-history to repeat itself, as humans don't really learn from their mistakes.

That's why Elders n Unkers, have made it a point to share more info, rather than just tactical info on ASX.

Most of such macro economic issues are too big for commoners or even small countries like ours to resolve.

But, we in this forum can share n suggest for younger n newbie forumers the need to continue with asset allocations, ie safe investments like asnb Fp. So, eventually when SHTF, you are able to protect your loved ones.

Don't look down on the amount you have, be it $1k, $10k, $100k,.... build your emergency fund. ...all else being equal, Unker guarantees, you will sleep more peacefully than someone who has $0 n baby hungry.

Bumpy ride for KLCI.

IF following q3q42019 can push to 1800 pts. Next year q1 push further 1850.
Asm no problem 6.5%

Yup. Major share dropping. This bring chain rxn to asnb and EPF.

Even MAHB also drop shit. I damn sakit hati. Rhbbank also. Damnmmmm

Talking about property stocks...
ASx is investment mostly in SP Setia right?

Today saw in newspaper about hike in cement prices & its effect on property cost...
Some says Non issues since property developers profit margin is quite high... Highest in Asia... Compared with others countries...  40% increase in cost close eye only... Just drop in ocean only 😈

Is transfer of units service still available ?

One can hope. I'm bracing for the possibility of 4.5% by ASM2 & ASM3 later this year, 5% for ASM1 if there's a climb Q42018 or Q12019.

For now this fisherman only wants to achieve a nice balanced pie of ASM1 and ASM2 to pass some time while watching the market swing up and down.

MAHB sudah goreng up for almost 2 weeks.
I don't remember, but someone, either ASM or EPF has a high stake in SP Setia.

they won't close 1 eye. They will give excuse to Price Higher, but unfortunately, a lot of properties aren't selling well. Cement price actually dropped a lot. Last 2 months, I bought at $12.50-$13.50 a bag to repair tiles. Now kerajaan Price Higher. 3 years ago it was $18.50.

I don't remember, but someone, either ASM or EPF has a high stake in SP Setia.

they won't close 1 eye. They will give excuse to Price Higher, but unfortunately, a lot of properties aren't selling well. Cement price actually dropped a lot. Last 2 months, I bought at $12.50-$13.50 a bag to repair tiles. Now kerajaan Price Higher. 3 years ago it was $18.50.