Hmm. Ok. I myself do self contribution. I went kwsp and there was this i saraan which so long you dep more than 1.7k per year they give you additional 200 or somth.

Talking about Public Mutual, seems like there is no more active tread about it in lowyat forum. I have some cash investment in PB but heard the % earning is not very much.

Thinking of withdrawing them.

i guess you are ancient xing mpeg player?

Hello Older Unker, despite the woman avatar. I just took approx 15 mins study... Here goes :

Definitely head of family, household with 4-5 pax. Hmmm, landed property.

Exposure to financial knowledge, thinks Asnb is too slow to make money. Asnb to Unker more of a distraction. Unker playing investment with Average to Higher Risks. (Asnb is low risks).

Hmm, into football and mid-tier cars, with wide range of contacts. Comparatively, Unker an extrovert n social animal - active posts thru out the day.

Likely already retired or boss allows Unker freedom with own time. Your preference for Nokia kinda show hand your age.

Me cannot pass-up Unker's request to profile. If I offended Unker, pls forgive me. 

Respectfully thanks Unker for being anchor contributor in this forum.

By searching your posts? 都市獵人

Young? What are you doing playing Wolf 3D and Doom? Or maybe those came out during my mid-age. Heh. No Karateka right?

Drat n double drat!!
Unkers own bitter 1st lesson of the week... Never say salmon run, unless you have actually caught some fish.
Hahaha. Down from $5k to $1k...stll zero catch.

Oh. Weekend one message, reminder Father's Day lah.

Over past months, I read abt dutiful children query abt asnb for mom's.... But, never for dad's. Our Asian culture ah... Dad background somewhere, just remember to give thanks to him this weekend.

Morning Elder,
My view Specifically on Penang, as I'm still active in the mfg circle. Manufacturing among the niche EE is maxed out. MNCs are still awaiting 2 more weeks decision on US, China trade. Most low end going to Vietnam, China border where they can act as release first, declare later status. Otherwise, its looking like Taiwan, Thailand n Penang are main beneficiaries. I know of 3PL actively scouting for tens of K sqft warehouses in Northern mainland. The durian Orchard land near Sg Batu main road, etc is approx $70-100/sqft while those near the designated Mara college Balik Pulau, agricultural land is still ard $40/sqft.

Penang State Govt needs to decide on southern island reclamation, its a decision to weigh btw setting up next gen semicon resurgence vs livelihood of 2k fisherman.

Geopolticals wise, all the prophet of doom has been wrong for last 9 years. Corrections are normal cycles in stock trading. US stocks will continue to be invincible as long as Congress doesn't ban Company Stock Buyback.

China will need couple of years to workaround all the US chip supply, FB, Google n other US Apps. Nowadays, I only follow Jim Rickards Blog n Ted Bauman articles....Good video sharing by Col Lawrence Wilkerson, James Bradley for Iran, US n understand China, USA history.

If u worry about geopolitical conflict or not, watch shares of Lockheed Martin. I spiked during the last Iraq War,...its trending up last 6 months. Hence, my reservations to immediately jump into stocks.

I hold substantial Singtel  & Genting Sgp shares for dividends n speculative buy respectively, also currency hedging. Eagerly watching Ocbc, Amazon, Alibaba.

I love Asnb, but think KLSE is rigged, held up by Kwsp, KWAP, PNB, (just repeating what you, Sis Nexona, Elder Believe,...) shared.

My 2 cents. Or, this was your clever trick to distract me from spamming. Unker write nonsense.

Specifically for slow catch days or when Elder Believe shared his $20k catch,.... I remind myself advice from Mr Koon YY.

actually not angry but curious No report being done.

guess many have "soft spot" on UnkerPanjang... many like the long winding pusing2 posting done...
 

Surprisingly I've read so much more insights about many things rather than just ASNB here, lol...it's a gem to stumble upon Unkers and others on their daily rants.

Hello Mummy, Daddy Paogeh,

Really, really in my mind... As another parent. Is to buy a medical insurance for your child/children.

I know when people younger, all feels indestructible as Superman. At young age, child premium very low. Also got savings one.

Touchwood, etc and you think company coverage etc. But fact is, Unker also from top USA MNCs in the past,... Such benefits will slowly deplete. If got spare cash, this is another alt investment.

Disclosure : Unker not promoting for insurance company, ok... Nanti kena yellow card pula.

hard to say though, my parents bought for me last time, coverage only 100k. fast forward 20 years, what is 100k?

Only country seeing improving middle class n wealthy class is China,... likely, Vietnam.

One obvious reason, Manufacturing moved to China. Only Manufacturing (before Robots & AI), you need VP, Director, Snr Mgr, Mgr, Sec Mgr,..... Operator. While Service Industry is very lean n mean.

That's why TunM wants another national car, being an OEM, JDM will allow better Profit Before Tax... Can feed more people. That's why in Malaysia, if you work as Logistics, Service Industry, your Ops margin is all single digit %. A good OEM margin can be 40-50%.

Someone mentioned 2 days ago, why the FAANG companies don't invest in Malaysia.... Hahaha, we don't have the available land, people, education, supporting technology n most important attitude. Mfg contributes to approx 30-40% of country's growth.

Malaysia will have chance with a China +1 strategy, if the big bosses wish to hedge their mfg... In view of long term China vs USA trade war. Trump can get impeached, but not remove as the House is Republican controlled. Why risk give presidency to a Democrat. Also, USA need approx 5 years (per published report) to develop 5G....the tech is there, but need time spent on reconfiguring their USA Defense n Encryption frequency for 5G. That's why US was happily complacent n sleeping on this tech front.

Last generation, like Unker was lucky... We has approx 25 years golden period of industrialization n mfg moved to Malaysia.... Before China woke up. We trained our 1st batch of China engineers in 1994, when they stayed 6 months in Penang.

Unfortunately, all this time, we took life easy... Hardly, any enterprising professionals moved to tech nor biz start up. All complacent to be millionaires thru MNCs. OK, don't mention abt Gomen.... Totally different story, in case I go jail for Sedition Act.

So, now if we don't attract reasonable FDI, likely, well be exporting citizens to other countries as hopefully white collar professionals,.... Not maids n janitors. Language syills again!!!! Go learn Mandarin & likely Russian.

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

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.

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.

still cannot get even 1k ASM1. maybe retained for bundle package already. normally not so difficult woh

Thanks bro. I try again tomorrow. I think 高手 buying, so more difficult to buy.

Surprised that you also reduced to 1k already.
Good for us no?
You're getting better already.

Which bank now offer bundle??
😒

asnb got to play this carefully. 'as long as better than fd' will not protect them long at this rate.