yea. that's my point.
ASNB and EPF is a tool only for people who don't know how to play share market.
They invest in ASNB and EPF so the experts there can use their money to help them invest.
So don't expect always high dividend because they can never throw all funds into one investment even though they are very sure to earn from that as they have certain rules to follow.
ASNB and EPF is useless to those who pro share player.

ahhhh yes exactly bro. i was pro in losing money in KLSE. so now i leave it to the money-making pros. heh

Agree with Elder, n gotta face facts in really economy tanks.

Just read the kwsp May 2019 report. Real dividend means interest on top of CPI, typical 2.5%.

Before Unker gets misunderstood, n get into debate... Disclosure.

Unker understands diff forumers are wired differently,... From the unbridled optimist, skeptics, downright pessimist to World crashing tomorrow dooms ayers.

Also, different investment skillset from the FD to Pro stock players, etc. Unker don't even understand enuf.

But pretty sure, ard 95% are within the 2 sigma distribution of normal minded investors...

Esp us in this forum, just spamming Asx, FD, Kwsp maybe n little something else other investment...

Parking place @ safe investment % of total portfolio..
one cannot go 100% into KLCI / Forex / UT whatever shit available on the market

OK. Now I am officially broke and can't continue fishing already as the cheque still haven't clear by bank for 2 working days already.

so tomorrow we can sailang with better chances loh. I thought you FD, how come got cheque? Some ulu bank without FPX?

Investing n likely financial wise, Unker concludes you are far ahead of the curve as compared to many people ard your early 30s age group.

I recall during that age, Unker waiting salary to pay last month credit card expenses, actually living on paycheck. No investing.

Frightening.... But learn some hard values n lessons.

transfer money lo to continue fishing.

the FD long already used up in ASMx.

now my last three digit is 886. so I look at it like it is telling me, "reach half mile stone already so bye bye loh (886)"

asm3 we have quota right? means chinese withdrawing so we can buy? or malay withdraw and we also can buy?

no la unker.
I got friend who can spend RM200k (but he's Singaporean and earn $ in SG) in 45 days just buying "gift" for those online streaming girl anchor in some mobile apps.
he is just 27 years old and driving mercedes already in SG.

I am so far behind. Earning salary cannot reach that level one. That's why I am now actively looking for own business. They say by 35 years old still don't do business then forever will take salary only. I don't wanna be like that.

This post has been edited by skty: Jun 27 2019, 03:52 PM

wahhhhh power. without a sale, i think no one can break your record already.

Correct. Bossku made it fair for everyone. Bumi-bumi, Chinese-Chinese, Indian-Indian.

🙏,
Thank you for sharing.
Unker sincerely wish you peace, happiness n success.

those not working one can break my record easily.

thank you unker.
be happy is still the most important in life.

If looking into business then Asx not the right place, should invest and expand the business lo

finally cheque cleared, bullet reloaded.
tomorrow fishing day again.

btw someone shared he caught ASM2 30k around 5.54pm today.

wow !

i always though after 4pm , can pull in the fishing line and call it a day .
*now i have to fish extra longer ....

**u;re active in credit card/e-wallet section too

ermmm.
i know why you will think like that because of many advise here
but always know that, if you follow the crowd, you will never be special (whether special in the right way or wrong way )
the worst the market, the easier for someone special who think and act differently to make money, but also easier to lose money. hahahaha

wahaha tomorrow will be a tough day again for us

no wonder lah I whole day habuk pun tarak ASM2. I presume that someone is not bumi?

I did try a few times until 5pm. And a couple of times 6pm. Of course, habuk pun tarak.

This post has been edited by beLIEve: Jun 27 2019, 11:46 PM

Looking back it was so much easier in 2017. Didn't appreciate back then can get 84k in a day.

Only realized today that's my highest catch in one day and I still can't believe it.

Now even 100 seems impossible.