So OK, enough clowning this morning. On a serious note.

Personally, May ASX purchases continues to be a dismay. Don't get me wrong, I'm with the rest of team, thankful we managed to still buy some ASM123. Unker managing $2.3k/active trading day.

Comparing May same period with 1-8 Mar vs 1-8 Apr.
This month purchases is down by 2.6x vs 7.5x respectively.
Still, my morning message to all will be self-serving, "Health with Wealth, or vice versa."

Enjoy this day. It only happens once every 6 decades.

Based on Unker personal experience.... Again objective sharing, no bullshit or showoff.

Last Nov till today, slightly more than 5 months and certain months like Mar, Apr very easy to masuk duit during that time, we already managed $510k. Another 70% effort to go.

If situation like May,... Cannot imagine lah. This is with Auntie or Unker full time spamming during this period.

🙏🙏🙏 Eminent Koon YY for his benevolence towards education n children scholarship. His family will be rewarded with +++++ positive karma.

This Unker small time sponsoring children thru World Vision. Pls spread their work. Takes very little for the children n community. Its just we do something small yet sincere effort. This birthday, one wish for school shoes, another one bicycle. Over here, we are truly thankful,... Forumers just chasing investment. I firmly believe most if not all of us forumers irrespective of our beliefs, are enjoying the sweet fruits of karma from our daily good deeds.

Thank you Elder for sharing on Eminent Koon.... Likely, you both share same domain expertise in KLSE. This MBB very strong leh... 😋.

Hello fellow My,
At my age, mid 50s, Unker investing for Income.
Excluding property. Largely into Kwsp, ASX, ILP, medical insurance, cash, 2% bullion, 10% SGX. The gold & SGX were to be a currency hedge, in case the ex-PM runs this country bankrupt. Thankful for 508!!!

Unker still working at least while I'm still able to contribute, to stay active n enjoy my work mentoring n imparting knowledge to the next gen leaders.

So, a long answer to your question.... Our circumstances are likely different, no single truth, so you need to define your own financial goals n explore your path.

By virtue you are investing in ASX, very confident you are in the correct mindset n best of luck in your journey!!!

As human being, we need to improve ourselves. Need to find a better way to do it.

[/quote]
Thru your writing style, Unker imagines you as someone in your mid 20s to mid 30s. Definitely, below 35.

Ambitious, decisive, comes from close knit family, n despite your relative young age, you get to make decisions. If Unker wrong, pls give face, ah? Hahaha.

Maybe, adopt a simple n passive investing approach ...leave it to your Elders. Don't think they'll ever starve!

Focus on your career n new biz opportunities. Maybe, that's your real calling. This ASX spamming is just too distracting for you, this very moment. Just keep an eye on this forum, Elder Sis will share if Mega Sales.

Unker kay poh.... Pls don't throw rocks, ah.

Morning Elder,... I think I'm grasping it now. I gather this year div is below 6%.

Morning Elder Sis.... 1 year after 508 and 1mdb disclosure, the BN swamp hasn't been drained dry yet.

I think many financial Institutions involved in the Pembinaan PFI (yet to expose) challenge... I won't dare use the 'sxxxdal' term yet.

Can only hope n pray. Nasi tak jadi bubur.

Tq again, I need to consider the $ gains from DRP @$8.00.
Got it.

Your note stirred Unker to activate some brain cells this morning, as Auntie n myself was debating on this exact topic some weeks back. Of course, the 2 felines sided her, angrily hissing n showing their backs at Unker when I made my points.

Anyway, as usual Auntie presented a more holistic n probably casestudy. Since Auntie won. Will just share you her major viewpoints.
1. Shareholder structure of major KLSE counters. Refer example MBB below. Very low foreign stakeholders n retail, below 20-25%, rest is Khazanah, EPF, PNB, other retirement funds. Interestingly, different % holdings among ASB, ASM, ASW, etc.
2. Over the months, foreign stakeholders have been exiting KLSE. Apr YTD $RM2.0B. Worst within Asia Market.
3. Lower growth, 4.5% compared to last year, disinflation in Q1, slowing economy, PH stopping all major projects (now TM reversing OBOR related decision, but impact will only see 12-15 months time)
4. Worry abt Malaysia Bond thing, Auntie says wait till June to see some light... Some other things, she mention Unker wasn't concentrating, Unker won like $2m in Zynga Poker that time.

In conclusion,...zzzzz, Yawn! Auntie says expect more of the same lah. Hahaha. Zombie banks, property, infra, industrial counters. All goreng, masak n deep fried by same chefs PNB, EPF n the likes.

Don't throw stones at Unker OK? Since you asked, I felt compelled to share personal opinion.

Don't throw stones at Unker OK? Since you asked, I felt compelled to share personal opinion.

[/quote]
No wonder ASB dividend better... MBB one of only few KLSE shinning star.

2. Over the months, foreign stakeholders have been exiting KLSE. Apr YTD $RM2.0B. Worst within Asia Market.

[/quote]

Sorry ah, Auntie proof-read my notes, kena cubit... Correction,

4. KLSE market capitalization down 10%, by approx $rm200B (not $rm2B), over last 16 months.

5. Kena pull ears, never mention un-refunded $RM20B GST money. But Unker say, PH returning mah... Unker agree, needs time to replenish supply chain.

OK, Auntie satisfied liao.... We going Gurney shopping, Yippeeee, makan Baskin Robbins!!!

Unker thinks... No worries one, no one takes article so serious. But needs to be factual lah.

Both valid and worthy observations, ASB despite the smaller fund size, is heavily skewed to MBB, although I wud think all the ASX funds are syariah compliant.

Why the significant diff in stock selection. Also, some diff in portion of fixed income instruments?..

Hahaha, too much for Unker to ponder after nasi melayu @ Mandarin Cafe, Island Glades. I'm just thankful for the continued dividend, while it lasts. Cheers!

Haha true Sis, thanks for the reminder.
I will have to pay you royalty... For saying, 'Welcome to Malaysia, home of Endless Possibilities'

Morning all, alamak... Early morning, Auntie burst my bubble liao. Cannot face people, going back to sleep.

Haha morning Sis. I avoiding Auntie n the cats.... I eating cereal in the bedroom. Nvm, Unker quite thick skin n short memort. Afterwards all OK liao.

Good morning! You have chosen a noble name,
Equatorian =Gift of God.

I spent time visiting the Mr. n Mrs. Money blog.
Can see why you are drawn to their writeup. Lots of positive stuffs, strong aspirations, travels, likely identifiable with your age group n common interests, idealism.

Areas on investments are a tad too general, they are a great lifestyle blog but hardly passable as an investment/personal finances blog.

Also, with our inflation %, kids' education, no social security, no free health benefits, don't bother to try FIRE, unless you have 30x-50x annual expenses in your bank....you ard mid - late 30s? What's possible in advanced countries, might not be applicable at home.

Continue to read extensively, keep this blog but at same time explore n expand your search for 'mentors',... Happy Sunday.

Now, thinking hard... Change name Unkerpanjang. Really no sense nor class.

Personally, I was hitting asm3 for last 5 months... Only started switch to asm1 from end Apr/early May (after I perceived asm3 dried up)...if on good day, do a increasing buy price. Personally, I like $1-5k/pop. The ASM2 %, btw both our accounts is approx 13%.

With current dry period, I've lost motivation, at the verge of seriously investing in KLSE (🐔🐔🐔🐔 chicken little) or divert some $ into many portions of FD to minimize withdraw penalty. (as shared by Elder Believe).

Today, if you Google, Asnb Kedah, penang, KL, etc. ... Will show only Asnb offices in Terengganu, Kelantan open for biz. Somehow, I thot Kedah n Johor shud be open... But Google shows closed.

Anyway, for scenario if truly only Terengganu n Kelantan open today.... Any non bumi sells in those States, you can buy loh. Or, in unlikely scenario, Asnb headquarters kicks off mega sale on Sunday... You become May month top fisherman.

Unker is a Penang island kampung ulu orang... Only been to Kelantan 3 times, never to Terengganu. Hahaha. Not sure how convenient Asnb offices located to the folks there. Interestingly, Asnb hasn't shared investment deposit $$$ breakdown by States. (deposit us correct term, state office where $$$ deposited)

Aiyoh, wah... Major misinformation. Tq Elder Believe!!!!
I go back test my eyesight or my a, b, c. Hahaha.