long term, long term buddy.
don't judge it too fast.......
believe in SAMY and continuois for a few year ma.....

now sell at low sure count as lost ma,
hold it , mana tahu up lagi after take viagra

big fish (should b white jaws)

don't test liao.......lum sum first.......

Just get the reply from CS

With that said, the T&C that you highlighted essentially means that a client is allowed up to a maximum of three (3) Shopee fee credit vouchers (total of RM45 fee credit).

The voucher does not expire upon activation. It will only be used up once the RM15 is fully utilized to be used for management fees.

Hope this helps! 😄

Updated again 6:59pm
That would mean that your voucher of RM15 will be used up for management fees up until it becomes RM0. For example, if your management fee for June is RM5, July is RM5 and August is also RM5. The voucher will be completely utilized for three months.

Hope this helps!

This post has been edited by ironman16: Jun 29 2020, 06:59 PM

Me 2, 😭😭😭 CS reply so slow

I saw it haven't fully redeemed but it won't allow me to redeem, keep saying sorry, try again later 😢😢😢😢

May b the CS give wrong info, one redeem per user bcoz i saw the percentage is moving slowly mean still can redeem.
My second shoppe acc only 275 coin 😢

This post has been edited by ironman16: Jun 29 2020, 05:15 PM

Buy on Saturday but no body work 😁.
Must wait Monday to execute the process. 😀
So, SAMY receive on 29 June (normally is night time received), 30 june start to buy portfolio, probably 30 June or 1 July finish buy order because Monday too many order stuck there.
Am i right? 😁😁😁

If u buy with cash (bank), faster, 2-3day
If switch from portfolio, longer bcoz need to redeem, convert n buy.
Hope my guess is right 😀😀😀

This post has been edited by ironman16: Jun 30 2020, 07:03 PM

I prefer invest in OPUS income fund or money market myself.
I allocation for SAMY is risk 10%, 20%, 30% n 36%.
Risk 10% is for me to accumulate my emergency fund. 😁

Risk 20% expect to invest 5 year no matter up or down, after 5 year baru decide whether go to DIY UT or anything else

Risk 30% n 36% for my retirement planning, just weekly invest, open 2 bcoz wanna comparing both risk 😁.

My main is risk 10%, try to accumulate emergency fund with a few year, this few year baru learn financial planning, late a bit. 😢

Risk 30% only

This post has been edited by ironman16: Jul 4 2020, 09:59 PM

U oledi unlock the higher risk? If yes, suppose u can see the asset allocation for SRI 30%.

[quote=lil_puffa,Jul 5 2020, 07:48 PM]Higher-Risk is still locked  
I can only see the general allocation for 30% SRI like below:
Equity Sector (US)      - 55%
Commodities              - 20%
International Equities  - 20%
Fixed Income              - 4%
Cash                          - 1%

I'm interested in the detailed allocation in the 30% portolio:
IJR    -   15         
XLV    -               
XLP    -                 
XLY    -
GLD  -
IVV    -
SPEM  -
KWEB  -
BNDX  -
Cash  -

IJR - 15
XLV - 15
XLP - 10
XLY - 15
GLD - 20
IVV - 5
SPEM - 5
KWEB - 10
BNDX - 4
Cash.- 1

This post has been edited by ironman16: Jul 5 2020, 08:39 PM

u just open stashaway account (new comer) ? if u refer by ur frien, both get management fee waive for 6 months.

a few week b4, shoppe can get the RM15 management fee waive voucher but now already no more.
i'm very lucky bcoz redeem 2 times n that voucher doesn't have expiring date...

Digi/ grab also can redeem but mostly for new comer (just open account)

One more is Boost, use 200 coint redeem voucher 0% management fee for 3 months.

I only know this way.

This post has been edited by ironman16: Jul 12 2020, 09:44 PM

U can start accumulate ur emergency fund, at least 3 to 6 months. ( may b 1 month or 2 month in FD with different tenure, others just put in money market fund that u familiar. I put in public mutual) 😁

Try allocate at least 10% or may b more is better seen that ur expense still low at this moment.

After that, can consider this,
1. Amanah saham fixed price like wawasan, asm. If u r bumi, u got better places 😁
2. Sspn only if u got child, but u just too young 😁, nvm keep in view first.
3. PRS for tax rebate or u can increase ur epf contributions.
4. UT (Opus, FSM, Stashaway, wahed,....). This is for long term investment like 3 years above.
5. Share trading ( but i wont touch bcoz not familiar n kiasi)

In StashAway,
U can allocate into Simple StashAway account bcoz it is money market fund (Eastspring) Malaysia base.

Since u r young, may b can choose higher risk, let said 36% or 30%, of couse the market is volatile but u just DCA in the portfolio,else oso can open 10% risk n 30% risk, see which one suit ur taste (if u think u cant stomach it, can reduce the risk later)

Just my 2 cent view 😎😎😎😝😝😝

This post has been edited by ironman16: Jul 13 2020, 11:41 AM

Dollar-cost averaging (DCA) is an investment strategy in which an investor divides up the total amount to be invested across periodic purchases of a target asset in an effort to reduce the impact of volatility on the overall purchase.

every month u put certain amount that u feel convinient into the portfolio , no matter what (cakap itu senang, tp bila market crash, semua panic )

unless u can time the market, then u can lum sum in lo

Can back dated? I oso haven't used but already 6 months 😢

Ur 5000 is in stashaway simple or in portfolio?

Its normal la, every day exchange rate not same, sometimes each values of etf oso got up down 😁

😁 Me.
U can't set which day, but can set the date.
Slower than JomPay n depend on ur luck bcoz if kena on Friday, u have to wait until Monday.
But u can earn the interest although not much

one month only uncle

i since dec 2019 only profit RM100+++.
slow n steady ma uncle