QUOTE(sgh @ Feb 10 2022, 11:14 AM)
Sorry to interrupt but I think your definition of medium to long term is quite short?
1. RM25k in SA for 2 years.. no win no lose.. surplus a few hundred nia.. i withdrawn all out late last year.
2. PS: FSMOne similar experience place RM50k for a year.. returned was only around RM600.
A time horizon of 1-2 years and decide the returns is not worth it and you withdraw all to invest in stocks to chase higher returns but get stucked for some trades. Isn't this the classical high risk high returns, low risk low returns concept? You just illustrated when chasing higher returns is not plain sailing either correct? The stucked monies if put in SA, FSM maybe got chance earn but at a slower pace?
Anyway, I am not saying your investment strategy is wrong just trying to understand when one say they invest for medium to long term what is it actually in each investor definition.
For me I will diversify instead. Not all monies into stock but split among different investment instrument. Of cuz this strategy comes with the disadvantage if there are returns it is too slow and small but given a long enough time I feel it is better than dump all into stock. In fact if one is chasing for fastest and highest returns in short timeframe, stock trading is still slow. I think Genting Highlands is a much better investment instrument isn't it ?
1 years - 2 years it isn't short. when your investment return is not even generating 6% return per annum you better park your money in kwsp instead.
Also as mentioned i've been trading for quite sometime now when my other return is generating in the region of 10-20k in bursa using slightly above RM150k, it clearly shows SA isn't really performing cause the RM25k isn't even generating 1% of return after 2 years. How long more do you want to wait? 20 years only to realize you are still at 1%? or perhaps 10% overall? When it comes to investing it's not only the return/capital which is important, the time plays a major role here mind you.
Also when comes to diversify i have my money in Bursa, Crypto (Luno), FSMOne, SA. I'm just comparing my returns in this few platform and i can clearly see things aren't working in FSMOne and SA. tell me what other diversification which can be done here. I'm open to all suggestion so long it's a platform approved by BNM.
i'm going to take TNB for example bought at RM8.9 for RM50k. it's generating close to 9% dividend. that's hell lot more compared to what i'm getting from FSMOne and SA. not to mentioned buying at RM8.9 it's all time low for TNB if it ever appreciates to RM14 again, i'll just sell them and take the immediate profit.
Feb 10 2022, 10:25 AM
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